Date Received: 2023-05-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Please review the attachments and let me know if you feel there is a miscarriage of justice ... .or in other words some illegal practices being levied against me by Truist Bank . Chronological list of events leading to issue that I need your advice : - We sued and settled with Truist and XXXX XXXX XXXXTime passes and I am utilizing my accounts with no issues - My daughter is issued a tax refund in the form of a Treasury Check in the amount of around {$2500.00} dollars- I called the branch office of Truist Bank ( formerly BB & T ), explain my desires to a person I know who is a Teller Supervisor : to deposit in to my account a partial amount of money from the check and cash a portion of it, for my daughter to have some in cash. My daughter has no account elsewhere. Also she only has a copy of the driver 's licenseThis person tells me no problem, she will negotiate the item for me - However, I had many appointments that day and the time is approaching XXXX XXXX, which is closing time at the bank. Therefore I I can only make it to the local Truist office to negotiate the item on this day, and my daughter needs to pay some bills. - My daughter and I enter the drive-thru of the local office and begin to be helped by a person, who it appears is the branch manager. -He reviews the transaction request and he denies the transaction. - He proceeds to mention a policy indicating that he needs the original license. - I tell him to call the other office where I had prepositioned the approval of th er transaction- He will not call the office. -The item can not be deposited. NEXT DAY : I visit my old office where the item was approved by the teller supervisor the day before, and negotiate the item. -I FILE A CHAIRMAN 'S COMPLAINT AGAINST THE BRANCH MANAGER OF THE OFFICE THAT WOULD NOT HELP ME. - CITED IN THE COMPLAINT THE FOLLOWING ISSUES : - This Managerdid not embrace the values, behaviors and attitudes that are supposedly being practiced and experienced when you visit a Truist office to be helped with your financial needs and objectives. - The Manager did not attempt to call the office where arrangements were made that would have enabled me to deposit the item. - The Manager had a very condescending tone in the manner in which he spoke to me. - I explained to him that the other office would okay this item, would take the responsibility for any possible loss due to the negotiation of the item ( which there would be none ), that I was a prior employee of the bank, that I had two direct deposits going in to the account which would cover the item if returned : my Social Security check and my PENSION CHECK FOR BB & T!!! - He would not do it. XX/XX/2023 : -I visit the office where I had trouble with the branch manager and withdraw funds from my checking account that have been deposited electronically. -I went up to the Manager and asked him very politely and professionally why he would not negotiate the Treasury Check for my daughter. He told me because of the papaer copy of her license. I asked why any of the other factors mentioned above were not taken into consideration. He told me they did not matter. I asked him if his decision was in line with the vision, mission, and values, being advertised in the media. He said they did not matter. XXXX asked him if his best customer came into the bank with the same transaction, would he negotiate it? He said NO. A COUPLE OF DAYS LATER : - I received the letter from Truist dated XXXX, indicating to me that my total account relationship is being closed on XX/XX/2023 : BECAUSE OF INFORMATION OBTAINED DURING OUR REVIEW OF YOUR ACCOUNTS. What Review? Why were my accounts Reviewed? - This was the only letter I received. TODAY : I try to make a purchase at a convenience store using my debit cards from both of my checking accounts, where there is money on deposit, enough to cover the transaction. -I WAS DECLINED -After several attempts, I called Truist Customer service and after they place me on hold for several minutes, I requested to be transferred to Fraud Management . They place me on hold and return indicating that I must go to the local branch and discuss the hold of my funds with the branch personnel. - I went to the office where the deposit was denied, and the branch manager had provided me with terrible service, compelling me to place a " Chairman 's Complaint ''. - I proceed to inquire from this same Branch Manager, as to why this is happening to my accounts. - The Branch Manager tells me to sit down and he will help me. - After 5 minutes he provies me with Letter Number 1, as well as Letter Number 2 WHICH I NEVER RECEIVED OR SAW BEFORE NOW ... .TODAY XXXXXXXX -PLEASE REVIEW THE LETTER : I CANT GO IN TO ANY BRANCHES TO GET MONEY. I CANT GET MONEY FROM ANY ATM MY FUNDS ARE FROZEN UNTIL THEY ARE BEING SENT TO ME AFTER MY ACCOUNTS ARE CLOSED XXXXXXXX HOW CAN I PAY MY BILLS? HOW CAN I EAT? HOW CAN I GET GAS? HOW CAN I FEED MY GRANDSON? HOW CAN I PAY MY ELECTRIC BULL, MY WATER BILL, MY MORTGAGE WITH TRUIST? HOW CAN THEY DO THIS??????? NO WARNING ... .. AND LETTER NUMBER 2 WAS DATED XXXX, BUT I NEVER RECEIVED IT AND THIS " FREEZE OF FUNDS '' JUST BEGAN TODAY .... NO NOTIFICATION OF FUNDS BEING FROZEN, AND JUST BEGAN TODAY ON XXXX, BUT LETTER IS DATED XXXX. CLOSING LETTER DOES NOT MENTION ANYTHING ABOUT FUNDS BEING FROZEN. FUNDS FROZEN 12 DAYS AFTER LETTER NUMBER TWO ISSUED ... .WHY? WHAT DID I SAY THAT WAS HARSH ENOUGH, WHAT BEHAVIOR DID I EXHIBIT THAT WAS BAD ENOUGH, TO WARRANT ACCOUNT CLOSING.. WHY WAS I NOT ASKED BY ANYONE IN UPPER MANAGEMENT MYH SIDE OF STORY? HOW DO THEY EVEN KNOW WHAT I SAID? SINCE WHEN DOES FILING A CHAIRMAN 'S COMPLAINT GIVE PERMISSION TO THE ACCUSED EMPLOYEE TO CLOSE MY ACCOUNTS? HOW CAN THIS MANAGER CLOSE MY ACCOUNT WITHOUT ANY REVIEW OF THE SUPPOSED INCIDENT, INCLUDING BUT NOT LIMITED TO ME BEING ASKED WHAT HAPPENED, THE CAMERAS BEING REVIEWED FOR ACCURACY OF THE EVENT, AND A NOTIFICATION THAT MY FUNDS WERE BEING FROZEN PRIOR TO THE ACCOUNT CLOSING. LETTER MENTIONS NOT GOING TO ANY OFFICE ... I VISITED THE OFFICES SEVERAL TIMES AFTER XXXX, AND GOT MONEY. LETTER SAYS DONT VISIT OFFICES OF TRUIST ... NOT YOU WILL NOT BE ABLE TO GET MONEY ANYWHERE, AND BEFORE YOUR ACOUNTS ARE CLOSED .... THIS IS A PERSONAL ILLEGAL VENDETTA BY THE BRANCH MANAGER AND IT IS BEING ENDORSED BY HIS MANAGER. WHAT IS GOING ON? THIS CANT BE LEGAL ..... THIS IS RETALIATION BY THE BRANCH MANAGER, AND A PERSONAL VENDETTA.. AND THE BRANCH MANAGER 'S DIRECT MANAGER IS ... ... .XXXX XXXX XXXX!!!!!! THE PERSON WE SUED!!!!!! IS THIS LEGAL? Please let me know Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: TODAY DATE XX/XX/XXXX XXXX credit bureau CREDITOR REGIONAL ACCEPTANCE CORP Account number XXXX CREDITOR bankruptcy XXXX XXXX According to FCRA SECTION 611 I AM DISTRESSED THAT YOU HAVE INCLUDED THE INFORMATION BELOW IN MY CREDIT PROFILE. YOU HAVE FAILED TO OBTAIN/ MAINTAIN REASONBALE PROCEDURE 'S IN YOUR OPERATION THAT ASSURE MAXIMUM POSSIBLE ACCURACY IN THE CREDIT REPORT YOU PUBLISH. PROVIDE FULL DESCRIPTION OF THE PROCEDURE USED TO DETERMINE ACCURACY AND COMPLETENESS. CREDIT REPORTING LAW 'S ENSURE THAT BUREAUS REPORT ONLY 100 % ACCURATE CREDIT INFORMATION REPORTED IS COMPLETELY ACCURATE AND CORRECT. THE FOLLOWING INFORMATION, THEREFORE NEEDS TO BE RE-INVESTIGATED. I RESPECTFULLY REQUEST TO BE PROVIDED PROOF OF THE ALLEGED ITEM. SPECIFICALLY THE " CONTRACT '', NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE. FAILING THAT, THE ITEM MUST BE DELETED FROM THE REPORT AS SOON POSSIBLE. SERIOUS ERROR IN YOUR REPORTING. PLEASE DELETE THIS MISPLEADING INFORMATION, AND SUPPLY A CORRECT CREDIT PROFILE TO ALL CREDITOR 'S, WHO HAVE RECEIVED A COPY WITHIN THE LAST 6 MONTHS, OR LAST 2 YEARS FOR EMPLOYMENT PURPOSES. ADDITIONALLY, PLEASE PROVIDE THE NAME, ADDRESS, AND TELEPHONE NUMBER OF EACH CREDIT GRANTIOR OR OTHER SUBSCRIBER. UNDER FEDERAL LAW, YOU HAVE THIRTY ( 30 DAYS ) TO COMPLETE YOUR REINVESTIGATION. BE ADVISED THAT THE DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION IS HEREBY REQUESTED AS WELL, TO BE PROVIDED WITHIN FIFTEEN ( 15 DAYS ) OF THE COMPLETION OF YOUR REINVESTIGATION. THIS SAME LETTER HAS ALSO BEEN ISSUED TO THE ATTORNEY GENERAL, DUE TO THIS IS THE 2 REINVESTIGATION, WITH XXXX, NO PROOF OF CONTRACT OR NOTE OR OTHER INSTRUMENT BEARING MY SIGNATURE HAS BEEN PROVIDED. ATTORNEY GENERAL HAS ISSUED A LETTER HEAD TO CREDITOR THAT YOU HAVE LISTED, FOR PROOF OF SIGNATURE NO PROOF PROVIDED. 30 DAYS REINVESTIGATE AND 15 DAYS TO GIVE PROOF. NEXT LEGAL ACTION ACCORDING TO FCRA LAW. 30 DAYS FROM NOW WILL BE XX/XX/XXXX, do not provide me with a automatic reinvestigation letter, requesting a copy of contract, or noter with my signature. THANK YOU XXXX XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 237XX
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I received a Truist fraud alert text on XX/XX/23 with case number XXXX. I had a lengthy one hour conversation with XXXX in fraud management to confirm that a charge for {$130.00} dated XX/XX/23 was not me ( it is showing as a declined charge ). He blocked the card and for the reissued card, I asked that it be sent to me via express mail. The same individual ( XXXX ) called me back on XX/XX/23 at XXXX XXXX and informed me to call back to XXXX. I called back and they advised me that instead of a replacement card being ordered, in error the account was closed. This is for card : XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am filing a formal complaint against Lightstream for violations of 15 USC 1681b, which pertains to permissible purposes under the Fair Credit Reporting Act ( FCRA ), as well as violations of the Privacy Act of 1974. It has come to my attention that Lightstream shared my personal information with a third party, namely XXXX, without a valid permissible purpose. The specific details of the violation are as follows : Violation of 15 USC 1681b ( Permissible Purposes ) : Unauthorized Sharing of Personal Information Lightstream, without a valid permissible purpose, shared my personal information with XXXX. This unauthorized sharing of my personal information is in direct violation of 15 USC 1681b, which outlines the permissible purposes for which consumer information can be shared. I have not authorized Lightstream to disclose my information to any third party, and this violation raises concerns about the protection of my privacy and the security of my personal data. In addition, this action may have adverse consequences on my creditworthiness and overall financial well-being. Therefore, I strongly urge Lightstream to immediately cease any further sharing of my personal information with unauthorized third parties and to take appropriate measures to prevent such unauthorized disclosures in the future.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34208
Submitted Via: Web
Date Sent: 2023-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I have evidence Lightstream/Truist Financial Corporation ( `` Creditor '' ) received payment-in-full from the XXXX XXXX and XXXX XXXX ( `` Principals '' ) in the form of a promissory note which is the enclosed Contract, a negotiable instrument according to UCC 3-104 and can be accepted as a deposit to the Creditors bank account in exchange for credits according to 12 USC 1813 ( l ). Also, since the Contract included a promise to pay the Finance Charge, the Creditor has also already received the Finance Charge in full in the form of credits exchanged for the promissory note. This is only possible because the promissory note is evidence of debt and is secured by direct obligations of the United States according to 12 USC 347c. The Creditor used the promissory note to receive credits from the US Treasury in the same way banks receive a US dollar bill, which is also evidence of debt, in exchange for credits to a bank account. Although the Creditor has already received payment-in-full from the Principals through the promissory note, the Creditor willfully and knowingly created false and misleading invoices mailed to the Principals in order to receive additional payments from the Principals. 15 USC 1605 clearly states the Finance Charge is the sum of all charges in connection with a consumer credit transaction. Since the Creditor created charges in addition to the Finance Charge they already received, this is a violation of 15 USC 1605 and the Creditor is subject to civil liability pursuant to 15 USC 1640 and criminal liability pursuant to 15 USC 1611. In regard to the principal balance shown in Principals online access ( viewable document not provided because Creditor has not made one available ), it is presented to the Principals as a remaining amount owed by the Principals to the Creditor. The principal balance is actually a credit balance owed by the Creditor to the Principal. This is evident from the Creditor having to adhere to the Generally Accepted Accounting Principles ( GAAP ) pursuant to 12 USC 1831n ( a ) ( 2 ) ( A ) since they received the promissory note as an asset on their books. To legally offset the asset ( promissory note ) received from the Principals, the Creditor securitized the promissory note by creating a liability owed to the Principals in the form of a debt instrument/bond. Therefore, the principal balance belongs to the Principals. According to 15 USC 1666d, the Creditor should have credited the credit balance to the Principals account, refunded to the Principal upon the Principals request and made a good faith effort to refund the remaining credit balance to the Principal by cash, check, or money order. Since the Creditor did not act according to 15 USC 1666d, they instead fraudulently attempted to receive additional payments from the Principals. As a result, the economic effect of the Creditors actions is similar to counterfeiting, swindling and stealing from the Principals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: TRUIST block my money. When I opened account and deposit check, the next day they block my access to account. That is ok! I went to the brunch hoping they will give me back my money. But it is not happened. They give me phone number XXXX of XXXX XXXX XXXX. THIS IS NOT EVEN TRUIST BANK. JUST GIVE ME BACK MY MONEY AND THAT IS IT! DO NOT OPEN ACCOUNT WITH THEM.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22015
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Truist denied my online application for a checking account based on hearsay form XXXX XXXX. I did not give Truist the right to obtain contact a third party to obtain alleged information about me. Truist violated the FDCPA and is liable for this violation of my privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30263
Submitted Via: Web
Date Sent: 2023-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-22
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After my car was repossessed by Triust, I had called explaining the reason for delay in payment was because my previous employer persistently delayed the start date despite the contract saying I would start XX/XX/XXXX of last year. In addition, it has prevented me from trying to get a replacement vehicle and ruined my financial and personal reputations with my landlord.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Dear Sir/Madam, This complaint and request for help is in regard to a mortgage and HELOC both held by Suntrust Mortgage for a home we owned in XXXX when the housing market crashed. Realizing we could no longer sustain the financial requirements to keep the loan in good standing, we put the property up for sale. Two offers on the home were submitted and both were rejected by Suntrust. This took place in XXXX. In XXXX of that year we received a foreclosure notice from XXXX XXXX XXXX XXXX on behalf of Suntrust. Shortly after that we received a warrant in debt ( which was dated XX/XX/XXXX ) for the second on this property which had since been sold ( for an unknown amount ) and as a result, we now have a lien on our current home. In XX/XX/XXXX we received a payment form the XXXX Suntrust XXXX which was in compensation for their un-fair treatment and predatory lending practices ( believing this matter to be settled at that point ). Numerous attempts were made within the last 2 years to contact and negotiate with Suntrust. Their representatives could not confirm that a lien even existed. At one point we were left on hold for over 2 hrs. with no satisfaction. On XX/XX/XXXX we received a notice that Suntrust had initiated a garnishment proceeding against only one of the previous mortgage holders and in apparent violation of the statute of limitations regarding the collection of this type of debt. We believe we have been treated unfairly by Suntrust and hope to resolve this matter as quickly as possible. Please see the attached documentation, Thank you...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2023-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a settlement check, upon the deposit I understood that verification of funds needed to be done before funds cleared. As of XX/XX/23 funds are not available, I called to verify and found my account to be closed and check still on hold stating to be fictitious. I have been a customer for more than 4 years and feel this is unjust, discriminating, and uncomfortable being the consumer. The same issue happened to my wife and we even contacted the issuing bank and they've provided proof of funds clearing their account as XX/XX/23 the bank has resolved her account as of yesterday and now I'm experiencing the same negative profiling. Truist bank XXXX department and XXXX XXXX the banker who made the deposit are combative and unapologetic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75061
Submitted Via: Web
Date Sent: 2023-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A