Date Received: 2023-05-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022, my savings Account XXXX XXXXXXXX was either frozen or closed I dont know. everytime I celled regarding my XXXX account no one knows anything either what to said. Everyday I called different people says different things even has telling me go to a branch and your XXXX account money will be given to you which its a lie all this situation had me with depression, anxiety and mental breakdown and drainage. I XXXX my job, because of this and since all this Ive has been visiting a XXXX XXXX is not a joke. Whats the problem with Truist bank staying with people money just like that, money I made by working and part of my unemployment. I need and want access to my XXXX account before I put a lawyer on this matter. This isnt right playing with the savings of people just like that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33174
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Getting the loan
Subissue:
Consumer Complaint: XXXX I applied for a loan using XXXX XXXX and XXXX XXXX links. I received and email beuling approved for {$4000.00}. Provided my banking information and Driver 's license. Was provided approval letter and asked to sign agreement. Was told they had to verify my banking information for deposit and payment. Then was given excuse they were having trouble and they would try again later. I never received the funds promised. XXXX XXXX is the loan associate direct line is XXXX. The loan officer was XXXX XXXX. I haven't heard from them on explanation. the loan application number is FL XXXX XXXX at 7 % APR..I never received the funds in my bank account as promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I came in to open a trust business account and provided my Ein # and certificate of trust. I explain to the banker that I needed a business account because I didnt want to be in violation of commingling personal funds with trust funds and the checking account could not be a personal checking account. And that I would like to apply for a business line of credit and a business credit card for the trust account. And if it was not completed correctly, it would cost the trustee and the trust approximately {$20000.00} a day if the account were not set up correctly, the banker proceeded provided me with a truist one personal checking account for a trust. I stated that I would open up a personal checking account too if that was the only way that I could receive a business account so that the trust would have its own separate account. She stated that she would open up a personal account if I gave her my Social Security number, and I had to be a citizen. I replied that I was not going to give my Social Security number, because there is no law that requires me to give a Social Security number to open a bank account and then I continue to state that I wasnt a citizen that I was a national, and she replied that she could not open up a personal bank account or a business bank account without forcing me to contract with my Social Security number, and that I had to be a citizen which was a violation of the equality act and the equal opportunity act .She stated that she called the back office and they have notified her that was the proper account for a business checking account. I left that branch and returned back on a later date to speak with the branch manager at the same location in XXXX, North Carolina. I explain the same thing to her that I need a business trust account because we were applying for a business line of credit an a business credit card for the trust. She stated that she called the back office and they notified her that a personal checking account was the right account for a business trust account. And that I would have to go to XXXX North Carolina branch to apply for a business line of credit and a business credit card for the trust account. I left the XXXX North Carolina branch. Headed to the XXXX North Carolina branch and on my way there. Ill call truist customer care phone line and explain the situation and the representative agreed with me that I should have a business checking account for the trust. At that point, the representative tried to switch over the account herself, but upon her checking, her system did not allow her to do that, so she suggested that I step in to the branch and speak with the branch lending manager and she assured me that she should take care of it. I proceeded in the bank and notified the branch lending manager of the situation. She first stated that she did not have time to complete the process that day, and that she would call the back office to see what was going on with the account at that point, she picked up the phone and called and seen that there was a mistake with the accounts, and that the trust account should be a business account for a trust. She immediately told me that I had to come back the next day at XXXX XXXX and that she may leave early because of personal issues, and that I could see the other banker, and the other banker could call her on her cell so she could walk the other banker, through the process to get the business account established. I show up next business day at XXXX XXXX the branch Lending manager have left for the day. So I proceeded to wait in the lobby for the next banker to become available I noticed that her door is wide open and she yells.. I will be with you when i finish up with the customer inside of her office. I feel for the customer because the customer had no privacy with her private matter between her and the bank and neither did I by the end of my discriminatory visit to this branch. Meanwhile, sitting in the lobby, I overheard the banker, make a phone call in regards to me while dealing with another customer complaining that she didnt want to deal with a national, and it made her uncomfortable to deal with someone that was not a citizen and didnt want to provide their Social Security number. So I politely waited until she called me in the office. I explain to her the situation in which her branch manager told me to explain and at that point, she notified me that she has not spoke to the branch lender manager, and the branch lender manager never told her that I was coming. After I brought it to her attention that I overheard her speaking to someone about my nationality. Then she replied that she spoke to the branch lending manager on the phone and she just said that she had mentioned that I had some documents that needed to be reviewed. So at that point, she was lying. And depriving me of my rights. Then she proceeded to ask all kind of ridiculous questions about things that I should have done, and nothing to resolve the situation and help stop the loss that the trustee and the trust is experiencing, because of a mistake that had been made on the behalf of a truist banker. At that point she got a attitude and demanded that I either wait 30 minutes for her to speak with the first banker that screwed everything up at the XXXX, Nc branch and allow the banker at the XXXX, nc branch to fix the account or come back next business day and try to catch the lending manager when shes not busy because she wasnt going to deal with this situation. Upon having this discussion, the whole lobby could hear, and there was no privacy whatsoever. I have never been so traumatized, embarrassed, and discriminated against in my life. Only because I wanted someone to correct a mistake that was made on the truist bank behalf. XXXX XXXX XXXX Executive Vice President /Corporate Controller, XXXX XXXX XXXX XXXX XXXX Vice President / Chief Financial Officer and the Indentured Trustee all signed that Truist Financial Corp would abide by the equal opportunity lending act, equality act and the immigration reform and control act of 1986 all of which I have been a victim by Truist Financial Corp XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I came in to open a trust business account and provided my Ein # and certificate of trust. I explain to the banker that I needed a business account because I didnt want to be in violation of commingling personal funds with trust funds and the checking account could not be a personal checking account. And that I would like to apply for a business line of credit and a business credit card for the trust account. And if it was not completed correctly, it would cost the trustee and the trust approximately {$20000.00} a day if the account were not set up correctly, the banker proceeded provided me with a truist one personal checking account for a trust. I stated that I would open up a personal checking account too if that was the only way that I could receive a business account so that the trust would have its own separate account. She stated that she would open up a personal account if I gave her my Social Security number, and I had to be a citizen. I replied that I was not going to give my Social Security number, because there is no law that requires me to give a Social Security number to open a bank account and then I continue to state that I wasnt a citizen that I was a national, and she replied that she could not open up a personal bank account or a business bank account without forcing me to contract with my Social Security number, and that I had to be a citizen which was a violation of the equality act and the equal opportunity act .She stated that she called the back office and they have notified her that was the proper account for a business checking account. I left that branch and returned back on a later date to speak with the branch manager at the same location in XXXX, North Carolina. I explain the same thing to her that I need a business trust account because we were applying for a business line of credit an a business credit card for the trust. She stated that she called the back office and they notified her that a personal checking account was the right account for a business trust account. And that I would have to go to XXXX North Carolina branch to apply for a business line of credit and a business credit card for the trust account. I left the XXXX North Carolina branch. Headed to the XXXX North Carolina branch and on my way there. Ill call truist customer care phone line and explain the situation and the representative agreed with me that I should have a business checking account for the trust. At that point, the representative tried to switch over the account herself, but upon her checking, her system did not allow her to do that, so she suggested that I step in to the branch and speak with the branch lending manager and she assured me that she should take care of it. I proceeded in the bank and notified the branch lending manager of the situation. She first stated that she did not have time to complete the process that day, and that she would call the back office to see what was going on with the account at that point, she picked up the phone and called and seen that there was a mistake with the accounts, and that the trust account should be a business account for a trust. She immediately told me that I had to come back the next day at XXXX XXXX and that she may leave early because of personal issues, and that I could see the other banker, and the other banker could call her on her cell so she could walk the other banker, through the process to get the business account established. I show up next business day at XXXXXXXX XXXX the branch Lending manager have left for the day. So I proceeded to wait in the lobby for the next banker to become available I noticed that her door is wide open and she yells.. I will be with you when i finish up with the customer inside of her office. I feel for the customer because the customer had no privacy with her private matter between her and the bank and neither did I by the end of my discriminatory visit to this branch. Meanwhile, sitting in the lobby, I overheard the banker, make a phone call in regards to me while dealing with another customer complaining that she didnt want to deal with a national, and it made her uncomfortable to deal with someone that was not a citizen and didnt want to provide their Social Security number. So I politely waited until she called me in the office. I explain to her the situation in which her branch manager told me to explain and at that point, she notified me that she has not spoke to the branch lender manager, and the branch lender manager never told her that I was coming. After I brought it to her attention that I overheard her speaking to someone about my nationality. Then she replied that she spoke to the branch lending manager on the phone and she just said that she had mentioned that I had some documents that needed to be reviewed. So at that point, she was lying. And depriving me of my rights. Then she proceeded to ask all kind of ridiculous questions about things that I should have done, and nothing to resolve the situation and help stop the loss that the trustee and the trust is experiencing, because of a mistake that had been made on the behalf of a truist banker. At that point she got a attitude and demanded that I either wait 30 minutes for her to speak with the first banker that screwed everything up at the XXXX, Nc branch and allow the banker at the XXXX, nc branch to fix the account or come back next business day and try to catch the lending manager when shes not busy because she wasnt going to deal with this situation. Upon having this discussion, the whole lobby could hear, and there was no privacy whatsoever. I have never been so traumatized, embarrassed, and discriminated against in my life. Only because I wanted someone to correct a mistake that was made on the truist bank behalf. XXXX XXXX XXXX XXXX Vice President /Corporate Controller, XXXX XXXX XXXX XXXX XXXX Vice President / Chief Financial Officer and the Indentured Trustee all signed that Truist XXXX XXXX would abide by the equal opportunity lending act, equality act and the immigration reform and control act of 1986 all of which I have been a victim by Truist XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Today I received a phone call from from Truist XXXX XXXX department saying that they didnt receive the documents that I signed back on XX/XX/23. I spoke to the notary and also confirmed that the documents were sent back to the notary signing company. Additionally I have received mailings in the mail that show the modification agreement and XXXX mortgage had been recorded. The Rep on the phone refused to contact the department on the phone with me to give them the information that I had. the rep also tried to trap me for saying I refused to sign the documents again when XXXX reminder her that they had been signed and recorded. I advised the rep I would be willing to sign documents after she figured out where they were. I asked the rep to speak to her supervisor and she said it would be XXXX hours before that occurred. XXXX XXXX the rep appeared to not fully understand what was going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been unable to use my TRUIST debit card and checking account due to it being in the negative because I was charged 21+ {$36.00} fees. I opened this account for family, personal and household use. This policy is causing my family and I great harm, risk, unnecessary expense, stress and lost of income. I spoke to a customer care representative, which transferred me to her manager who told me they were only able to refund me {$75.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a CFPB complaint about my bank and they retaliated by closing my account with no notice or reason why freezing all my assets unable to deposit withdraw or use debit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 656XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is attached to a previous complaint claim XXXX. Earlier I contacted you for help resolving this complaint. I called you, spoke to a rep that gave me phone # to contact someone at Truist Bank. Called # got voice mail of XXXX XXXX, left voice mails on two separate dates, never heard back from her. Shortly after I received a letter from XXXX dated XX/XX/XXXX that the bank had researched our case once more, still declining the charge on XX/XX/XXXX for {$900.00}. In the past 45 days we received another letter from fraud department that the investigation had been completed and the case was closed. My wife and I never had an opportunity to discuss our issues that she was told she had to have a debit cc for the account. Second, we were in touch with the resort and they asked to speak to someone at the bank, we could never get anyone to cooperate and discuss the fraudulent charge with them. Out of nowhere I receive a phone call XX/XX/XXXX XXXX from XXXX XXXX XXXX assistant vp, client resolution senior specialist ''. I explained the details above, she did nothing for us. I inquired why our checking acct money isn't protected under FDIC guidelines, she said it had to do with a debit card. I have sent 2 letters " one by certified mail '' to the CEO and have never gotten any response from anyone. For a bank that claims to be customer service driven, I couldn't disagree more!!!!! Police report has been filed with local law enforcement if needed for review.
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: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Other transaction problem
Subissue:
Consumer Complaint: on XX/XX/XXXX my wife made an online international wire transfer using Truist online small business wire program to transfer {$19000.00}, - to our travel agent in XXXX. She filled in all colums as asked for in program. A few days later our travel agent emailed us that funds still were not in their account so we contacted Truist bank ; they told us to wait aother day or so so we waited another 2 days but still transfer was not received so we called our brnach and met them they used a tracer to trace the funds. So from XX/XX/XXXX until today XX/XX/XXXX funds are not received, funds are gone, Truist does not give us any information about where money went, what happened and is not refunding us or nothing! We contacted several managers, executives within Truist and also talked to their fraude department and their online customer service department ( through messenger ) and nobody gives us any information about anything ; so no idea on what happened, where money is etc etc. We also already had to pay penalties to travel agent, airline and made hours of our own time to get answers and our money back. it is very frustrating and we are devastated that a huge bank as Truist can not be trusted and is not able to give us information and return our funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I had to report this evil organization summer of last year. It was resolved after a very diligent man from your office contacted them. The company had charged off the account and The lien was removed from my house. However, as of last month they have decided to start reporting late payments of 120 days again to credit bureaus. So it was removed and closed, now they have reopened it and it's starting all over again. Their most recent report cost my credit score to decrease XXXX points. This charged off account is now up to 9 years old and still being reported as 120 days pd. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63043
Submitted Via: Web
Date Sent: 2023-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A