Date Received: 2023-05-05
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: I went to get a car from XXXX and ran my credit a total of 30 times, I have them {$2000.00} in cash as a down payment. Three days later I had to bring the car back because the lender that agreed to do the loan reverse their decision and turn down the loan. I want all the banks and lenders that did not go through removed off of my credit. I need XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, XXXX XXXX 3xs, XXXX XXXX XXXX, these are just the ones that have come to the house I'm still receiving letters everyday.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 351XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Not notified of mortage being sold from previos lender making me late and or behind a month in payments and now charging late fees on or about in between XXXX to end of XX/XX/2022 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have asked Truist several times who owns my loan? Are they just the servicer or has it been sold at any time Since XXXX? I have even sent this is a written form and have never received an answer to this question. What is there role in my mortgage? What are there responsibilities when it comes to my loan process? Do they own my loan? Loan number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank Accounts was open fraudulently
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76201
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After going into the bank to withdrawal money from my checking account, my funds were frozen. The funds that were frozen were from a wire transfer from a real estate title company ( see attached ). Prior to going into the branch, there was no hold placed. When I went into the branch, the teller told me that I could not withdraw any funds because the wire was in pending status. She began to interrogate me as to what the money was for. I called the branch after learning that my funds were no longer available and was told that the wire was under investigation. I believe that this is discrimination. It wasn't until after I went to the branch that my funds were placed on hold. I am going to seek legal remedy in this matter as it had prevented me from moving forward with a major transaction and caused late fees for other financial obligations
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I gave my personal details to someone posing as a lotto prize agent the scammer ask me for my bank details and my debit card photograph front and back. When I realized that I was scammed I took the debit card to the local branch Also the mobile number that Was enter in my application was incorrect. And I have since relocated. I was not able to update my information because of the instability of the account. I have forgotten my pasword and all my effort to get the account unlocked has proved futile. It seem further and further away for this reason. I determined that I don't need this account Because of the mental and emotional and anxiety over the process to get access to my login details I decided to close the account Immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear XXXX XXXX XXXX XXXX, I am writing to express my utmost frustration and utter disappointment with Truist, my mortgage servicer, for their repeated and egregious failures to correctly service my mortgage account. The numerous errors they have made with my mortgage account are completely unacceptable and have caused me significant financial and emotional distress. In XXXX, Truist illegally and incorrectly placed my mortgage into default while it was in a Covid forbearance plan. They then demanded that I pay a lump sum of the delinquent amount to prevent foreclosure, causing me immense stress and anxiety. Despite my efforts to resolve this issue with Truist, I had to file complaints with the XXXX XXXX XXXX XXXX and State Attorney General to get the mistakes corrected. Truist has once again demonstrated their complete incompetence by continuing to make errors on my account. My account is now in total disarray again, with inaccurate tax statements, escrow balances, failure to credit payments correctly, incorrect payoff amounts, incorrect interest charges, incorrect escrow advances, and more. Here are some examples of their mistakes and incompetence : Truist sent me a corrected 1098 for XXXX stating that I paid {$0.00} interest on my mortgage in XXXX instead of {$3900.00} that was actually paid Truist mailed me a payoff statement that is incorrect by almost {$26000.00}. Truist recently called me, stating that my account was past due for XXXX of XXXX and were seeking to collect on that debt, despite the payment being made over two years ago. Truist sent me a letter stating incorrectly that my mortgage is delinquent and threatened foreclosure Truist has been sending me emails stating that my mortgage payment is changing, effective XXXX, despite it being XXXX. My most recent monthly statement is a jumbled mess, showing a principal increase of {$900.00} without a clear explanation, and over XXXX XXXX adjustments, un-applied funds, and other items. There is an {$8000.00} escrow advance they said they made to me, which has not been properly accounted for. Attached documents show more examples of their mistakes. Their repeated mistakes have made it impossible for me to keep track of my mortgage, and I am now having to consider hiring an accountant or attorney to help me make sense of all these numbers. I have contacted Truist to try and resolve these issues, but their customer service has been abysmal. A lot of times, there automated system tells me no one is available during business hours. When I do manage to get through, I am constantly on hold and transferred to different representatives who give conflicting information, and they have been unhelpful in addressing the errors on my account. I have completely lost faith in Truist 's ability to properly service my mortgage account. I can not see how this company can be allowed to be in the mortgage business. These are serious errors they are committing that are involving reporting incorrect amounts to not only me, but the IRS. As such, I am requesting that the XXXX XXXX XXXX XXXX to look into Truist 's mortgage services. Truist is contracted by XXXX XXXX and the US government to service this mortgage, and they must be held accountable for their incompetence and repeated errors. I am also demanding that Truist take immediate action to correct the errors on my account. I am in the process of selling my home and need an accurate and correct payoff amount. I am also demanding that they correct the error they made when submitting a false and incorrect corrected 1098 to the IRS for XXXX. Thank you for your attention to this matter. I hope to expect a prompt and satisfactory resolution to this situation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98662
Submitted Via: Web
Date Sent: 2023-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX Someone fraudulently accessed my current lightstream online profile and applied for and took out a loan in the amount of {$25000.00}. This was deposited into an account I never use and do not regularly monitor and was somehow set up for auto payment out of this account which had been coming out without my knowledge until XX/XX/XXXX. XXXX never sent me notification through mail or any means at all of this loan being taken out in my name. I did not become aware of this fraudulent loan until when I became aware of other identity thefts in early XXXX in my XXXX and XXXX Bank accounts. This led me to discover additional thefts from XXXX, including this loan and another fraudulent transfer. We know the address of the person who committed the identity thefts and it is as follows : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX After discovering these identity thefts, I immediately placed fraud alerts on my XXXX credit reports, filed an identity theft report with the FTC and sent this information to all credit reporting agencies and creditors impacted. All other companies have responded and taken appropriate action on the accounts and inquiries that were a result of the theft. XXXX has failed to respond to my notices and apparently sent notice to the credit bureaus that they certified the account information was correct and added it back to my report. I am asking XXXX to please review the Identity theft reports provided to them and remove this account from my reports as it was opened as the result of identity theft and was not opened by me. Their unwillingness to cooperate is a violation of my rights and I expected more from this company. I have taken out 2 other loans with this company in the past and have had no issues. However, this loan was taken out fraudulently in my name under my account and I am not responsible for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2023-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Overview : Truist Bank put our business checking account into dormant status in XX/XX/XXXX without any notification to us, even though the account had been used twice during the previous year, as recently as XX/XX/XXXX. This cost us {$63.00} when an online tax payment made in XX/XX/XXXX to the state of Delaware was rejected. I asked Truist to reimburse us, but they refused. They said there was no error on their part it is their policy not to notify customers when an account becomes dormant. Details : 1. I made an online tax payment to the state of Delaware using their website on XX/XX/XXXX. But on the evening of XX/XX/XXXX, I received a letter via email from the Delaware Division of Corporations that said : Your payment in the amount of {$430.00} for file number XXXX to pay your taxes was returned by your bank for the following reason : ACCOUNT CLOSED. A {$50.00} returned check fee has been assessed to your account. Please contact your bank with any questions regarding this transaction. You may have to clear this transaction through your bank by allowing a debit or unblocking our company ID # XXXX. 2. I called Truist Bank the following day, XX/XX/XXXX, to find out why the payment was rejected. The person I spoke said the account was fine and the last transaction had been in XXXX. The rep said he did not see any record of the XX/XX/XXXX payment. 3. I then called the Delaware XXXX of XXXX ( XX/XX/XXXX ) and told them Truist said the account was OK. The rep said it was possible that there was a block on my bank account that would have to be removed before I could try to make the payment again using their online system. ( BTW, the rep said other customers had called about problems with Truist Bank. ) 4. I called Truist back ( XX/XX/XXXX ) and asked if there was any type of block on the account. This second rep told me that the account was dormant. She said that if an account isnt used for 365 days it automatically goes dormant, and that I would have to go to a branch in person to get the account reactivated. When I pointed out that this account had been used in XX/XX/XXXX and XX/XX/XXXX, she tried very hard to convince me that XXXX and XXXX were more than 365 days apart. ( This would have been funny if it wasnt so frustrating. ) 5. On XX/XX/XXXX, I went into a Truist Bank branch office to get the account reactivated. The rep in the branch said that Truist doesnt include online, ACH-type transactions when determining whether an account should go dormant, because it doesnt consider them to be customer-initiated, which was why the account became dormant. I asked for the rules in writing, and he printed out the entire 40-page Truist Bank Services Agreement . The relevant section is 14. Dormant Accounts under G. Account Rules, which says : DORMANT ACCOUNTS. With the exception of time deposits and IRAs, an account will be classified as dormant if there has been no owner generated activity on the account, including any deposits to or withdrawals from the account, or other account related contact for a period of twelve months or more. Recurring or Automatic Clearing House ( ACH ) or other similar electronic deposits or debits are not considered to be owner generated activity except where allowed by applicable state law. For an account classified as dormant we may, at any time in our discretion, reject any transaction in order to protect the account against unauthorized activity. 6. Received a notification in the mail that the account had become active and would be accepting transactions, just in case we didnt want it to be active. ( XX/XX/XXXX ) XXXX. On XX/XX/XXXX, I received a call from a XXXX XXXX at Truist Bank, who was following up on my complaint about the fine I owed to Delaware because Truist had not notified me when the account became dormant. He seemed sure that we would have received some type of notification, but said he would investigate and request reimbursement if there had been no notification. ( XXXX XXXX was a Suntrust employee before the merger with BB & T. ) 8. I emailed XXXX XXXX the letter from the Delaware Division of Corporations about the fine, and receipts for additional expenses incurred to pay the taxes a second time. ( XXXX of {$63.00} ) ( XX/XX/XXXX ) XXXX. XXXX XXXX called back on XX/XX/XXXX to say it is Truists POLICY not to notify customers when their account goes dormant, because customers should know the rules, which are right in the Bank Services Agreement. So since it was not a bank error that we were not notified, Truist would not reimburse us for the fine. The main concerns I have with Truist Bank are : 1. Truist Bank did not communicate the dormant status of the account to us in any way. There was no call, no email, no letter, and the monthly checking account statements we received for XXXX and XX/XX/XXXX did not indicate the dormant status. 2. Ignorant customer service reps : When I first called Truist to find out why the tax payment to Delaware was rejected, the rep said there was no problem with the account. Then the second phone rep, who did notice the account was dormant, didnt know that electronic transactions didnt count. 3. I question whether the rules Truist uses when deciding to make an account dormant are even legal. They are definitely outside the norm. They are much more restrictive than some other financial institutions. Both pre-merger Suntrust and my federal credit union keep an account active if it has online transactions only. The Truist Bank Services Agreement says Recurring or Automatic Clearing House ( ACH ) or other similar electronic deposits or debits are not considered to be owner generated activity EXCEPT WHERE ALLOWED BY APPLICABLE STATE LAW. I doubt that it is against Maryland law to consider electronic transactions when determining if an account should stay active. Truist Bank says ACH-type transaction do not count as customer-initiated transactions. Even direct-deposit of a paycheck doesnt count. Nowadays, and especially because of the pandemic we have just lived through, more and more business transactions are paperless. Multiple Truist reps said I should just go into the branch every month, etc., and make a deposit or withdrawal to keep the account active. No thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20782
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-08
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: Hi my name is XXXX XXXX. I have noticed unauthorized hard inquiries on my account from Regional Acceptance on dates XX/XX/2023 & XX/XX/2023. Please remove immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12550
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A