Date Received: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I went on my honeymoon on a cruise and while in XXXX we purchased items. XXXX of the items was a store selling food. They are supposed to charge {$3.00}. and change or close to it. she ran the card, and I didn't think anything of it. After I got home, I realize that I was charged {$320.00}. I called the bank and informed them of the situation. The bank is asking me for a receipt. I don't have one ... who keeps a receipt for {$3.00}. The burden is not on me is on the merchant. They won't even look at it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33470
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: XX/XX/2023 at approximately XXXX XXXX I called Truist Bank in regards to my repossession and my options. I spoke with XXXX ID : XXXX XXXX advised that a certified letter of right to cure was sent. I received no notice from he postman that a signature was required to receive my certified letter leading me to believe one was not sent. I requested my payment history, copy of right to cure letter, copy of contract and the payoff quote. I also requested to speak to a supervisor and was immediately told none were available. I was not given the option to hold to see if one was available. I was told they were all on another call and it would be at least an hour before that call was over. I requested to hold until a supervisor was available and was denied the right to hold. I was told I would receive a call back when the hour phone call they were on ended. I have the past due amount plus the repo fee but they're refusing to accept it unless I give them {$5700.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This letter of complaint is regarding the issues I am currently experiencing with Truist bank. These matters have grossly affected the funds of both my XXXX XXXX, and the clients my agency serves for fiduciary and guardianship purposes. My statements below are a brief synopsis of my reasons for submitting this complaint against Truist bank. I am in high hopes that by filing an official complaint with your corporation that the following issues will be effectively resolved in a timely manner, as Truist has refused to do so despite being aware of the situation. On XX/XX/2023, I was informed by several of my clients with closed Truist bank accounts that they had received checks from Truist to be cashed. I immediately advised them that the checks were not to be cashed as I had their accounts closed several months prior. Following the advisement to my clients, I contacted Truist via email and phone calls to local locations, the customer support center and fraud department for several weeks requesting this error be corrected as soon as possible. The only response I received with every contact made was that the issue would be looked into. In XXXX the same error was made in which clients received Truist checks from closed accounts. During this time Truist also drafted my agencys business account to issue checks on closed accounts. I again, reached out to them several times seeking rectification and was told I would have to recoup the unauthorized funds from my clients. During the month of XXXX, the same issue occurred again. Clients received checks from closed accounts and my business account was drafted for these funds which left the account over drafted, compounded with fees and in the negative. To date, Truist has not resolved the issue that is causing checks to still be distributed from closed accounts to my clients, and my business account being drafted for these unauthorized funds. I hope that your corporation will be able to assist me with a timely resolution so that I can continue to operate my organization without the distress of unwarranted transactions taking place from both closed client accounts and my business account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have my mortgage through Truist Bank. Again, this year, they are trying to take escrow out for my flood insurance, just like last year, when my flood insurance is paid for by my HOA. This was discuss last year and the same thing the bank is trying to do is to increase my escrow for the flood insurance - even though I have provided to the bank the paid policy that is in effect from XXXX of XXXX through XXXX of XXXX. They do not want to even look at my account - that in the past years, they have never taken out for escrow with my flood insurance since it is through my HOA. I believe that this borders on harassment since every year I have to go through the same argument with them. The departments at Truist Bank show be reprimanded for continual avoidance of the facts that I have presented above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX I noticed a charge on my Truist XXXX and immediately filed a claim for it when it posted on XX/XX/XXXX claim XXXX. The charge was {$1200.00} for a plastering company in RI. I live in FL have no idea who the company and have never done business with them. When the claim was filed Truist stated they would investigate it, send me papers to sign for the dispute, block the card and reissue it. They also stated, it would take about 14 days for the claim to resolve. While the transaction was under investigation the amount would be deducted from my current balance, would not affect my minimum payment amount and I would not be charged interest on the card. I followed up on the claim on XXXX was then told I would need to wait longer for the dispute to resolve, and brought up the fact the amount was still in my balance, accruing interest, and affecting my minimum payment amount. On XX/XX/XXXX I noticed two additional fraudulent charges were made on the same account with the card that was supposed to be blocked and reissued. I confirmed with the representative that the card in question was never blocked and reissued and the charges were allowed to post so I filed another claim for those XXXX. I again questioned the resolution of the original claim XXXX made back on XX/XX/XXXX. I was told the claim could take up to 2 statement cycles. I have two statements one for XXXX one for XXXX both have the {$1200.00} amount showing, accruing interest, and affecting payment amount. I have lost all confidence that this claim will be resolved correctly, and me made whole as a consumer. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Truist reported that XXXX payment was paid late and that my account was past due. I called them and they said that they would fix it on their end but I would have to reach out to the credit reporting companies. My credit score fell over 100 points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My complaint is between Truist Bank ( Truist ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 1. I phoned XXXX to purchase an airline XXXX ticket from XXXXXXXX XXXX XXXX I needed to return home to XXXX, as my brother, ( over XXXX yrs ) was quite ill. 2. During call I was transferred to some group called XXXX. XXXX took my bank details to pay for my flighth ticket. She emailed me a form, and said that it was all I needed to take to airport as proof of purchase. XXXX. Next morning, my bank, TRUIST emailed me that my acct. was on hold. XXXX XXXX during XXXX attempted 13 times to withdraw various amounts of money. Three addiitonal payments were approved before bank caught it. I was quickly reimbursed for those 3 unauthorised withdrawals. TRUIST - a week ago told me my flight ticket claim was denied. How can it be denied, when XXXX told me that I never had a ticket because it was never paid for. XXXX XXXX kept my money.
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: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear Sir/Madam : My credit report contains inaccuracies regarding late payments. I'd like the credit bureaus to erase the inaccuracy from my credit record. On this account, I was NEVER LATE. I'll say it again : I've never been late with a payment. I can challenge erroneous status on my credit report under the Fair Credit Reporting Act. These credit agencies are providing inaccurate data, and I'm curious as to what they're basing it on. They can't prove I was late, and they aren't CORRECTING OR UPDATING this information in their records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11236
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-24
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: i purchased a vehicle off of my uncle and traded him cars he passed away last year afterwards but I continued to register the vehicle in my name. He was also the borrower I don't have any contract with said lender but I do own the car and have tried several times to contact the financing company Regional Acceptance Corporation over the last 3 months notified them what had happened and tried to obtain the title since I knew the car was either paid off or very close to being paid off. On thursday they repossessed the car while I was sleeping, they broke down the fence to my back yard leaving it wide open and for my pets to escape and the person in charge when I call is not helpful in any way he talks as if he is trying to trick me and eludes any question without giving me any sort of guidance and just requesting things from me but when provided doesn't escalate this problem toward any solution he just says we will contact you if we need more documents. On Monday when the paperwork was sent to my uncle the previous owner of the vehicle i retrieve it since I'm in charge of his estate for now I lived here before he passed, I was giving him my XXXX and making the payments toward that and was driving the XXXX which had only 5 payments left. Since it was automatic deduction from his account I knew I wouldn't see a bill but they didn't notify my uncle or send any letter to collect any outstanding charge left on the vehicle nor did they mention it in the calls I made regarding this vehicle, and they are requesting XXXX $ now plus the impound fee of XXXX XXXX Which is much higher than the XXXX payments I had left, the account started with them 5 years ago my uncle bought this car and hasn't missed a payment XX/XX/XXXX this car was delivered and he had auto reoccurring payment option from his bank account which I am not completely sure of the exact closing date but it was around a month after his passing so most likely the financing company got a payment in XXXX last leaving 4 payments left to be paid off by XX/XX/XXXX. When they found out of him passing from my attempts to do a pay off and retrieve the title they repossessed it not knowing I had registered it in my name. If my uncle was alive he wouldn't be able to even retrieve the car since he isn't the registered owner anymore and neither regional acceptance corp or the towing company has yet to notify me where I can get the car they did send my deceased uncle paperwork but this isn't his car anymore and I need to get this matter taken care of immediately the damages to my life are already substantial I got suspended from my job on Thursday around XXXX after not showing up despite my attempts to have someone cover and my pets are stuck in the house now since I can't let them into the yard without them escaping, my dog XXXX is lucky to be alive I don't know how I found him, but now I have to clean the XXXX off the living room floor for now, and this house I stay at with my uncle is under for-closure so unfortunately the vehicle they took was my only means of shelter besides my transportation. From my research as well they should of sent some sort of 20 days to pay or quit to get payment from my uncle before letting the account go into a claim and they should not of entered on to private property to get access to the vehicle and it seems like more civil codes have been broken by this company but I would need more time to read, but with that im hoping to have this issue resolved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 935XX
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX my home was heavily damaged by a tornado. I sent, via XXXX overnight on XX/XX/XXXX, XXXX insurance checks totaling over $ XXXX to Truist Bank, my mortgage holder, for endorsement. They received those checks on XX/XX/XXXX. Beginning On XX/XX/XXXX I called multiple times and chatted online with representatives that would give me no information on the status except it will be processed. Multiple people gave me multiple dates that unfortunately were not true. On XX/XX/XXXX I received a letter back along with the checks NOT ENDORSED, stating I have to endorse them first and then they will not be endorsing or sending my checks back, but will be deposited in escrow instead. Someone between XX/XX/XXXX and XX/XX/XXXX should have told me that. I endorsed the checks and returned them to Truist on XX/XX/XXXX via their prepaid XXXX XXXX air envelope. They received my endorsed checks on XX/XX/XXXX. Since then, I have had multiple conversations with Truist representatives that have been no help whatsoever. No one can tell me how much they intend to send me, except they will only send me 33 % of my money or $ XXXX or some other amount because they really aren't sure what the amount will be. Even though I only owe $ XXXX on my mortgage, they intend to hold more than I even owe, which should be unlawful in my opinion. I have been told multiple times it will process in XXXX business days only to call and find out that didn't happen. Then I was told I would receive a check of an unknown amount by XX/XX/XXXX. On XX/XX/XXXX I called Truist because the online tool didn't show anything had been processed. On that call I was told it had not started processing, but they would submit it yet again for " processing '' and I was told I " should '' have a check of an unknown amount late in the week of XX/XX/XXXX. I called yesterday, XX/XX/XXXX to check on the status because the online tool still doesn't indicate anything has moved. Much to my dismay, although not surprised, the XXXX told me the processing of a check of an unknown amount has been cancelled. He read some notes that lead him to believe it MIGHT be because they MIGHT be changing the amount of the check, although he has no idea what the amount was to begin with. He said it sounds like some check in some amount might start processing by Wednesday, XX/XX/XXXX, although he really didn't know for sure. I am beyond frustrated that a Bank of this size can treat consumers in this manner and that it is lawful. I have made enough phone calls, online chats, etc. and have asked a number of times for someone that I can talk to that would help get me my money and resolve this matter. While I continue to get the runaround, mother nature continues to pour into my home because Truist has no sense of urgency or concern for consumers in a disaster situation. I just keep being told, this is our protocol, over and over again. This is the worst protocol ever. I may even lose my contractor that I have committed to fixing my home. I have no faith that I will actually see any of my money this week, and fully expect come next week I will have to start this horrible " process '' again of them holding my money and giving me the runaround. The fact that they can even control any of this should be unlawful. I have even signed an Affidavit stating that any insurance money I receive is to be used to fix my home, yet they are allowed to control my money and divvy out to me whatever they please in little increments, causing the renovation of my home to extend by who knows how many months. Also, I was told when I am about to run out of MY money, then I have to contact them and request an inspection. The protocol for that process is also a nightmare. I was told once I request an inspection, an inspector would contact me in 7-10 business days to get an inspection on their calendar. Then after the inspection the inspector has 2 business days to submit a report to Truist, then Truist has 2 business days ( which you can bet is a lie ) to review the report. Then in another 7-10 business days they would start " processing '' a partial payment to me to start more work. This process is unacceptable. By Truist 's process my home just sits there and further rots for what may go into XXXX if they continue this horrible process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72116
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A