Date Received: 2023-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My husband and I have owned a condominium unit in XXXX XXXX, NC since XX/XX/. Every year in XXXX, the HOA renews its flood insurance policy, which covers all the condo units. Every year we submit the new policy to Truist 's website ( XXXX ) and every year Truist claims that they have not received the current policy. One year they even purchased a flood insurance policy of their own and tried to make us pay for it. Since this occurs every year, I am beginning to suspect that this might be their goal- to force us to pay for a policy we do not need. I have tried to call them on their insurance number and on a general number, but they have labyrinthian loops, none of which offers the chance to speak with a actual human person. I finally did manage to speak with a human, but the call was cut off. In past years, it took months to resolve the issue. I do not know why they put us through this song and dance every year, but it needs to end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are multiple hard inquiries reported on my credit report. On my XXXX credit report, one from LightStream on XX/XX/2023 and also from XXXX on XX/XX/2023. On my XXXX credit report, there is a hard inquiry from XXXX XXXX XXXX, on XX/XX/2023. I do not recognize any of these. I called the companies on my XXXX report to request a deletion letter on XX/XX/2023. I called the company on my XXXX report on XX/XX/2023 to request a deletion letter. They said there is no account open in my name so they can not provide that for me. They suggested that I report it to the federal trade commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I just opened account online on XX/XX/19 and made an initial deposit. Today, I just tried to log in online and was told my account was locked due to fraud detection. They wanted me to come into a local branch to verify my identity. However, I am out of town on a business trip for 5+ months and there is no branch located here. I offered to go into an affiliated bank here but they declined. I am out of options so wanted to close my account and be refunded the deposit since I can't have access to my money. They told me that I could not close my account until I visit a local branch which is impossible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My account was charged fraudulently for two identical transactions on XX/XX/2023. I submitted a claim and both charges were temporarily credited to my account. A month later, the bank denied the claim for one of the charges and {$500.00} was taken from my account. I do not recognize the vendor and have never made a transaction with them before. The bank refuses to return the {$500.00} after I have called and complained several times. This account is linked to my mortgage and now is at {$0.00}. Please help me recover the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On or about XX/XX/2023, Truist Bank told us that our endorsed insurance check would be endorsed by the Bank so we could cash it to provide the funds to us or deposited in our HELOC account. Instead money was kept by the Bank and Bank will not release it to us. We previously filed a complaint with CFPB and were advised that the company would respond. However the companys letter did not address our complaint that the XXXX Florida branch manager XXXX XXXX and the Sr Relationship Manger XXXX XXXX XXXX explicitly and repeatedly represented to my wife and myself that if we endorsed the insurance check, the bank would then endorse it and return it to us for cashing or deposit in our line of credit account. Rather the Banks letter from XXXX XXXX of XX/XX/2023 simply repeated what the Bank says is its policy- to retain insurance check funds and disperse them only upon completion of the work. The letter did not address our complaint that the Bank agents made false representations as detailed above. ( Regardless of whatever policy the bank claims it has, the bank officials represented something entirely differently to us as detailed above, and did not tell us that the bank was going to confiscate our funds. ) The Branch Manager and Sr Relationship Manager are legal agents of the bank and their representations to customers are legally binding. Here the bank obtained our endorsed check based on false statements and misrepresentations. We request that your agency conduct a proper investigation of this matter, rather than sending it back to the bank who failed to respond to our claim. XXXX XXXX Truist Bank HELOC account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Sent money via XXXX and it was a scam. The amount is still pending and the bank will not try a chargeback or stop payment. Total {$1500.00} from both my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: All transsation from XXXX are being denied by truist bank. I have went to the branch office and sat for XXXX hourd to try a correct this problem. Now any transcartion online is denied without explanation. This undeserved action by truist bank is affecting my credit rating..This action by truist bank is highly undesirable banking practice. I am afraired of -what =next with this bank. I hace tried their corp office. I got an very poor and unproffessional response/ I have no where else to turn Your help is deeply apreciated Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XX/XX/XXXX, From : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX To : XXXXXXXX XXXX XXXX XXXXXXXX powered by Branch Bank Attn : Billing Inquiries and Fraud Department Re : Notice of disputed charge to Account No. XXXX To whom it may concern : I am writing to dispute a charge of {$4800.00} to my account on [ date of the charge ]. The charge is in error because it is a fraudulent charge for goods or services that I did not accept. I did not authorize the transaction. I CERTIFY I did not authorize the transaction to a fraudulent merchant in the XXXX XXXX I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Please correct the error on my account promptly. Below are details supporting my position and experience. I have lIsted the events related to the unauthorized transaction of my XXXX XXXX Card Debit Account with Branch Bank : XX/XX/XXXX : I realized there was an unauthorized transaction on my account XXXX for the amount of {$4800.00} to XXXX XXXX XXXX says pending. XX/XX/XXXX : I immediately called Branch at XXXX to report the fraudulent transaction. They informed me that I needed to wait until the transaction cleared and was no longer pending before they could report it. XX/XX/XXXX : I completed an XXXX Police Department Report XX/XX/XXXX : After checking every day, the pending transaction finally changed to processed. I called Branch to report it and made an inquiry. The dispute ticket XXXX was submitted. XX/XX/XXXX : I found the merchant on XXXX XXXX and I emailed Branch the information of the location and online profile, which shows they an not a legitimate business : XX/XX/XXXX : The XXXX Police Department responded to my request : XX/XX/XXXX : Branch concluded their preliminary investigation, deposited the money and sent me this email : XX/XX/XXXX : Branch sent me an update indicating my claim was lost : XX/XX/XXXX : I immediately called again and asked for a supervisor. The customer service representative said they would refer my case to a supervisor who would call me back. I never received a call back or an email in response to my request to speak to a supervisor. XX/XX/XXXX : Branch sent me the email below saying the case had been closed. XX/XX/XXXX : On the same day, I requested all documents explaining their decision. I never heard back from anyone at Branch : nd as of today I have not received any news. My account is in negative and I am requesting an investigation by the Consumer Financial Protection Bureau. In summary, I have been diligent in communicating with Branch including submitting the dispute in time, sending the response I received from the police, sending the merchant photos and information from XXXX that shows this is a fraudulent merchant. On the other hand, Branch has not communicated or provided any evidence that justifies their decision to deny my dispute. This merchant fraudulently processed this transaction and illegally transferred {$4800.00}. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, and that I get an accurate statement. Please correct the error on my account promptly. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist Banking have locked our Bank and Savings account already for a year. We can not access our account using the computer to transfer monies. We are living in XXXX. Just so you know; we also have XXXX account. We can do everything with the XXXX XXXX. Truist bank has a lot of problems, please see the internet customer complains. I have nothing to do with that. We are 20 years customer with Truist Banking, prior Suntrust. We have since last year also residence in XXXX. From the Truist office XXXX we transferred some monies to the XXXX XXXX in XXXX. Now being in XXXX we should be able to transfer money from XXXX to XXXX using the computer. It worked a couple of times. Truist bank Blocked our account about 12 months ago. We emailed, we send proof by regular mail, we send emails, also to the XXXX XXXX XXXX, XXXX also customer service, created a case number, but never helped us again. case # XX/XX/2022 XXXX. Obviously, we can not come to XXXX to an office to say hello ... .. Over the phone Truist employees, never helpful, gave us the advise to call the branch office where we use to go in person. We did call the Celebration office in XXXX, never helped. We did call the Truist office in XXXX XXXX Florida, where we banked later because of our move. Never helped. All Truist employees are nice promise to help and call back when you have them on the phone. When you hang up, no help no call back, account is not unlocked. All of this is unacceptable. In the mean time my social security is deposit in this bank. I am not able to access my account and make payments. I have usage of the XXXX XXXX. Never had a problem. XXXX XXXX is outstanding. No limits, quick, user friendly and very efficient. From XXXX to XXXX XXXX in XXXX. On the internet their are a lot of complaints and also videos, telling after the merge between Suntrust and Truist all the customer service is out of the window. Truist bank, you hold my hard work earned money for no reason. We have identified with Truist bank and your fraud department a " XXXX '' times. UNLOCK OUR ACCOUNT. That we have the Truist checking account card, we have added a ATM with draw in XXXX, XXXX. Truist banking, Unlock the account. XXXX XXXX, as a CEO, the least work you can do is to respond on my emails. Please, I refer to about XXXX emails send in the last 12 months to different emails. Everything I asked for is written in these emails. I spend hours and hours with Truist banking to come to a resolution. So far, XXXX. No help, no resolution from Truist bank. I like to refer to all emails, all phone calls and all letters send to Truist Banking. We have send all our new address and phone numbers to Truist Banking on several occasions. The XXXX number is NOT valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX. XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( name of the credit bureauXXXX XXXX and/or XXXX ) credit report. My latest credit report shows 5 credit inquiries that I did not authorize XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX ( ALL ACCOUNTS ) XXXX XXXX ( XX/XX/XXXX ), 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. Under 15 USC Section 1681j, nor use my SSN without my consent or permission. XXXX U.S. Code Title 15 CHAPTER 41 SUBCHAPTER IIA 1679c Quick search by citation : Title enter title Section section 15 U.S. Code 1679c - Disclosures U.S. Code Notes prev | next ( a ) Disclosure required Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed : Consumer Credit File Rights Under State and Federal Law You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A