Date Received: 2023-05-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Call bank to ask about sone fees issue about a month or maybe more ago, bank tells me they gon na close my account on XX/XX/, i ask them why they tell you will get a letter with an explanation! letters.come but no explanation i go to a branch in XXXX dc XXXX XXXX they tell me they can not help me to call a number on the letter sent, no number on lertter though! i Feel i owed an explanation after banking with them over the past 10 year before it became truist bank. before it was Bbt bank. I really feel violated i need this bank account to help out my kids in college and the sad part is that i can not open another bank account no where else! i need an explanation!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: My small business account was sent and received ( please see screenshots ) 2 XXXX transaction market XX/XX/XXXX. The funds still have not made it to my bank account. I was told on XX/XX/XXXX that it would come that night or the latent Saturday morning XX/XX/XXXX. Funds to the timexof this complaint have not been deposited unto my account. Truit XXXX sent Texts to my ph showing that the payment were received. However each Truist employee and Supervisor has give a different time frame on when I will have the funds. Apparently all of the truist employees say that money was sent from customer 's bank XXXX XXXX XXXX XXXX as a delayed transaction. This doesn't make sense because I received norifocation that funds were received. Now they are telling me were received but not delivered. My local branch did contract Truist on my behalf and was not able to get a resolve. Funds are not in a pending Status but Show received XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21801
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX, my husband died. On XX/XX/XXXX SunTrust bank, the bank that was holding my auto loan, contacted me to ask me if there was anything they could do to help me through the difficult time See letter from XXXX XXXX thanks, Services XXXX. XXXX XXXX was to be my account liaison helping with the transition because my husband held the account for my auto loan SunTrust asked for his death certificate, and they also offered to rewrite the loan for me. A loan modification was done, and I was sent an E sign certificate from XXXX XXXX to sign the loan over to me and modify it to be a lesser expense. XXXX went from being {$720.00} per month approximately XXXX, XXXX that was agreed-upon and signed for on between the XXXX and XXXX of XX/XX/XXXX. I have plenty of copies of all the payments I made and I never missed a payment nor was late so on XX/XX/XXXX. My new payment of XXXX XXXX was to begin. However, I was also offered XXXX relief since XXXX it happened immediately after my husbands death, I have documentation through emails agreeing to this modification. I had to sign a document requesting it and then they follow through with giving me a three payment deferral extending my loan date to XXXX XXXX and the next payment due is XXXX, XXXX that was on XX/XX/XXXX of XXXX they then proceeded to refund me a couple payments and I have checks stating that, I have an XXXX statement that shows my schedule payment amount being due for XXXX XXXX payment due XX/XX/XXXX and then they actually moved it to extend one more month for XXXX until XXXX. Upon which time I set up a bill pay to do so for {$520.00} just to make it even starting on XX/XX/XXXX and I set it to last for 84 transactions thats true I XXXX XXXX XXXX checking account So my first payment after this modification was technically due on XX/XX/XXXX of XXXX. It is no the loan started brand new. I set up another payment to be scheduled for starting for {$520.00} and that continued on until Truist bought suntrust. Ever since the transition, I have had nothing but issues with Truist bank. Right from the start, the payments were coming out left and right and I went up double and triple pain. I dont even know how to explain it but I want to over paying for my loan so much that I almost paid a year to thirds of 3/4 of a year in advance. I was working with the TRUIST BANK to set this all up and they were at the time taking money out of my bank, it was so horrific and I believe about seven or so payments had to be stopped with them because of so many errors in processing, and they promised that they were going to reimburse me all of those fees I got two notices that they would reimburse me XX/XX/XXXX, which is just a few months after they took over and had so many overpayments from me and then they never fulfilled that reimbursement request or promise I should say So it wasnt until late last year XXXX, XX/XX/XXXX that I realized that even though I thought this was all taken care of it wasnt and my payments werent correct as they should be for {$520.00}. Upon reaching out to them they were not at all nice, and they claimed that it was all my fault, and that it was because of my late payments which I insure than that theres never been a late payment payments or set up for every day of the month and everything comes out monthly theres never been a missed payment, and there should be no fees. After many times going back-and-forth, I went up talking to XXXX XXXX, who is a specialist, supposedly and handling these kind of situations and I had to literally argue with him numerous occasions even though all of the obvious documentation was there it wasnt until I found two of the notices that said they were gon na pay me {$25.00} times two back that they finally agreed to pay me my fees back for at least the two notices. I thought this is all taken care of until a couple of weeks maybe a month later after this was finally caught up when I noticed that there was another payment out of whack called XXXX and found out that they found another yet another late fee for {$25.00} which they didnt find before interestingly enough so now I have another {$25.00} and all of my overpayments all of this time Ive never been adjusted or put back because its supposed be going towards principal, and they were paying off late fees, and then they never even went back and corrected it and now I have another late fee. XXXX went off to find out about this, and came back to me, and said that theyre not going to reimburse me or let me not pay the fees They insisted I pay. In addition, THEY FOUND A NEW PROLEM AND ARE NOW TELLING ME THAT THE AMOUNT OF {$520.00} IS NOT MY CORRECT PAYMENT ACCORDING TO TRUIST BECAUSE THEY CAN NOT FIND THE DOCUMENTATION ON THEIR BEHALF OF MY AGREEMENT WITH SUNTRUST BANK FOR THAT AMOUNT. I then scavenged for whatever documentation I can find and presented to them. But none of this documentation appears as them and the link where I signed the document is no longer valid because its a suntrust link. All the documentation that I do have clearly states that the amount due for my payment is {$520.00}. I have many statements that say scheduled payment amount is {$520.00}. I have continue to pay {$520.00} every single month since this modification has been made. I have paid on time and in full and have never missed a payment!!! I have a document from SunTrust that states that my loan is for 84 transactions starting XX/XX/XXXX of XXXX which then got pushed out to XX/XX/XXXX of XXXX so my maturity date was clearly extended to XXXX of XXXX. According to SunTrust. I have provided ample documentation from suntrust, and theyre should be no doubt about the terms of this loan It is for {$520.00} per month for 84 months commencing on XX/XX/XXXX of XXXX. Truest bank will not stop harassing me for more money and theyre looking for an over {$900.00} payment right now I am a widow. This is very painful to deal with over again and I simply do not have the finances to be able to pay such a payment. The person that they have been having me deal with XXXX XXXX its almost too embarrassed to deal with us. At this point I feel as though its highly illegal to just change the terms, and I can not pay more than I am currently paying, as I am a struggling widow, that is technically out on Workmens Comp., and about to lose my Social Security due to my child aging out. I am perfectly willing to continue to pay the scheduled payment of {$520.00} per month for the term of the loan as agreed-upon. They, whoever they are that XXXX XXXX talks to are refusing to allow me to do so. To confirm, the payment that they are looking to collect is invalid It was my husbands loan that ceased to exist in XXXX of XXXX ; When I took over after his death, had the loan modified modified and put into my name with me being responsible for it. SunTrust was a very caring bank, and was very amicable to work with. Truist quite the contrary, is the most ludicrous, uncaring money driven fee driven, corrupt bank ever!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Truist our relationship ends here. Ive been a loyal member since you were XXXX be in 2000 and before you transitioned to SunTrust, and now to Truist. I am so dissatisfied and frustrated with the customer service that I have received, especially when it comes to any kind of dispute. I need a company that has my back when something goes wrong and you definitely do not have that. I had a situation with XXXX paint and I opened a dispute. You sent me documentation and as Im filling out the documentation, the same day you send me a message saying that you cant dispute it???? What was the freaking point of opening the dispute for me in the first place??? Then immediately sending me the documentation saying I cant dispute it.. Im done here and I will be leaving reviews in various places about my experience with you as well as contacting the banking commissioner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX - Fraudulent activity on Truist account. {$13000.00} withdrawn to pay unknown credit card bill, not initiated by us. In " pending '' status XXXX - Called Truist. Was told I could not talk to fraud until the money was completely gone ( past pending status ) and no guarantees it would be returned. Asked if we could put a stop payment. Was told that would work to stop payment or ensure refund, but they'd have to charge me {$35.00}. Told them that was the less ridiculous or 2 ridiculous options and agreed. Freeze put on account. Discussed that my Truist mortgage payment would be pulled that night and asked what would happen. Told there would be no issues and I had a 15 grace period to pay. XXXX - Fraudulent {$13000.00} returned XXXX - {$25.00} fee charged on mortgage XXXX - Went to branch to open new checking account and unlock old checking account to transfer funds to new. Discussed risk of additional fraudulent activity but necessary to transfer funds and wait for direct deposit to transfer to new account. Discussed strategy of keeping at {$0.00}. {$35.00} stop payment fee waived. XXXX - Called branch. {$25.00} mortgage fee waived. All money transferred to new checking account per discussion, except {$71.00} to pay a bill hitting XXXX. One unexpected payment hit, resulting in an overdraft. Charged 2 overdraft fees of {$36.00}. ( One was refunded on XX/XX/XXXX ) XXXX - Expected payment hit, along with another unexpected payment. 2 overdraft fees of {$36.00} charged XXXX - XX/XX/XXXX - Multiple conversations with branch about refunding the still outstanding {$100.00} in overdraft fees seeing as they new this was caused by fraudulent activity and we'd transferred funds to another Truist account. Truist declined to waive and send they'd send us to collections if we didn't pay. XX/XX/XXXX - Final 2 payroll checks hit the old checking account, effectively paying Truist the {$100.00} against our wishes. XX/XX/XXXX - All money transferred to new checking account. Old account again frozen ( could not close b/c that department was closed ). Was assured no additional fees will be charged on the old checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77024
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2018, my wife and I got a mortgage from XXXX XXXX to purchase our first home. At this time we set up auto-pay and have NEVER had a single late payment. We have worked for the last 10 years to earn a credit score over 800. A couple months ago I was shocked to see my personal finance software produce a XXXX estimated credit score on their credit estimator tool. My wife and I never pay late, we set up everything on autopay, and were not aware of any issues that would cause this. As I began digging and calling credit agencies I was told that " Truist '' was the source of the negative mark, which made no sense to me as I have never done business with Truist. As I dug through my bank accounts, and called Truist I finally pieced together what happened. My mortgage was somehow purchased by Truist without my knowledge. I was still on auto-pay with XXXX XXXX, and nothing looked off until the refunded payments after I'd paid them months later. As I have finally been able to talk with someone from Truist, they described to me what addresses and phone numbers were called, all of which were incorrect. Documentation was mailed to XXXX XXXX XXXX ( the home the mortgage is for ) but we never received it as it is being sold and has been unoccupied. I now have updated all information with Truist to be current and accurate, but the damage of the negative mark had already been done. I tried doing the phone based " credit dispute '' with Truist but just received a letter that it was declined, which baffled me as no one even got any information about what happened, they just declined it without getting any additional info. I spoke with a Truist agent on the phone that said to use Truist 's online form so that I can actually include the details of what happened and said that " this certainly meets the criteria for a credit dispute approval ''. I have now tried to submit this 3 times and each time no one responds. A month later I receive an automated letter in the mail that they are unable to correct their mistake. This is inexcusable. This is now causing us financial hardship as we prepare to use our credit and it is showing much lower than it should.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80134
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 section 604 A section 2 ; it also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98059
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: XXXX credit bureau has me as deceased. I am alive and well. All of my accounts are listed as closed and ConsumeXXXX deceased. I am not deceased. I have proof. I am alive I am writing this complaint on my computer. Can you please have XXXX reinstate my account as open and being paid. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We advised Truist that we wanted to set up Positive Pay on our account in order to prevent fraud. We initiated this service in XXXX of XXXX. It took until XXXX of XXXX for them to finally get us set up. In XXXX of XXXX, we had a fraudulent check hit our account and were not aware until late XX/XX/XXXX. It slipped past our bank reconciliation process because the thieves used a similar check number and dollar amount as the original check. Truist refuses to reimburse the funds stating we were negligent. However, we attempted to set up Positive Pay to prevent fraud for several months and were hindered by Truist 's slow process to get it up and running. We feel this is Truist 's fault as they could not set up for us the fraud prevention services for us in a timely manner, causing us a loss of $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a business checking account on the phone with Truist on XX/XX/, with a welcome offer of {$300.00} ( promo code XXXX ). I requested that the agent opening my account attach the promo code XXXX, and she confirmed that she did. Till this day, after fulfilling the terms on XXXX I still haven't received the advertised {$300.00} bonus. I contacted Truist multiple times via both email and phone, but the issue still hasn't been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23113
Submitted Via: Web
Date Sent: 2023-05-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A