Date Received: 2023-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Auto loan with Truist bank loan # XXXX. My auto loan payment is due on XXXX of the month. I paid XXXX and it posted correctly. They received my payment in full to pay off the loan on XX/XX/XXXX which included my XXXX payment. They are reporting my payment as 30 days late and it was not. Since XXXX only had 28 days the 30day mark would have been XX/XX/XXXX and they received the payment on XX/XX/XXXX. They are saying that since XXXX only had 28 days that it changes the time frame 28 days as a late which is not stated anywhere in my loan paperwork it says 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35640
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called today XX/XX/XXXX to make my payment to Truist Bank and XXXX XXXX XXXX in XXXX answered and helped me with my payment and then when I asked about why I hadn't received a mortgage statement in the mail she said it was because I requested it. I asked her how did I agree to only electronic statements? She could not answer me I asked her when and on what date and eventually she said twice. Once on XXXX, XXXX XXXX and then again on XX/XX/XXXX. We were on this conversation for 34 minutes and 23 seconds according to my phone log history and not only could she not answer me but she must have lost her place reading the computer screen because she asked me to confirm my account number again for a payment we already had processed in the middle of answering my question on where did I agree to only electronic statements. Again the dates she did provide makes me Question it even more? Again I have questioned your ethics when it comes to observing and obeying Federal Data laws. Show me where I agreed to wanting to stop paper statements in the mail on XX/XX/XXXX XXXX ... .She said she could only see the dates but could not not see beyond two years and I did tell her this was not a reply of satisfaction to any complaint filed and I was Hanging up because she could not answer my question
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: 2023-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My mother sent me money through XXXX she has a limit of XXXX per day with XXXX XXXX. She accidentally sent another {$790.00} on the same day so we could pay the rent and it said that portion would be sent the following day. XXXX XXXX sent the funds to my bank Truist and when I called to ask why I could not access the funds the Truist representative told me they had the funds but that Truist was going to hold them for 3 business days. I called XXXX they said I had to deal with the banks. XXXX XXXX did what they were supposed and sent the funds on the following day now Truist with absolutely zero reason or warrant had taken it upon themselves to just hold the funds for 3 business days. The submitted receipt from XXXX from XXXX XXXX to Truist said the funds would be available on XX/XX/2023 so now no one at Truist can tell me why they will not release my funds!!! Now I can not pay my rent and my landlord will certainly have reason to charge late fees or start an eviction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28677
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: All of the money was taken from my account based on a legal order that was made in error, submitted XX/XX/XXXX. I called Truist multiple times on XX/XX/XXXX and XXXX and the lawyers sent a dismissal multiple times to Truist confirming that the money should never be taken. I went in person to Truist on XXXX as well and confirmed that the dismissal was sent and would be processed. All of the my money was seized from my account in error and Truist has been negligent in resolving this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30327
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries I dont recognize on my report such as XXXX XXXX credit date XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX on XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, Truist Bank XXXX On XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2023-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist bank was our mortgage holder. We closed on the sale of our condominium on XX/XX/XXXX and Truist sent our escrow reimbursement check in the amount of {$890.00} to the old address so it was not received. I called on XX/XX/XXXX to inquire about what had happened with the check and was advised that it was returned as not deliverable. I then provided the correct/current address of where it should be mailed and was advised it would be sent out within 5 business days. The check never came and I called again on XX/XX/XXXX, only to be advised that " someone '' had input the request incorrectly so the check was never mailed but that they would correct it and have the check sent out. It never came and I called again on XX/XX/XXXX only to be advised that the check had not been processed but that they would correct the issue and send the check out within 5 business days. The check never came and I called again on XX/XX/XXXX and I was told the check would be expedited and sent UPS. I was provided a tracking number and, as of today ( XX/XX/XXXX ), the XXXX tracking site indicates that while a XXXX label was created on XX/XX/XXXX, the check has not been issued and provided to XXXX for delivery. At this point I can only assume the failure is intentional or, at a minimum, grossly negligent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2023-05-04
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: please see my 2 previous 2 CFBP complaints which have never been resolved and I still do not know how my payments are being applied. this was to be a 15 year amortizing loan. It appears as though the CFPB is absolutely not help in this getting this straightened out. Who else do I go to? HUD? As a mortgage professional I expected the CFPB would assist in my complaint against Truist since they took over my HELOC from Suntrust. Complete disappointment in the CFPB complaint system. I thought it was there to give consumers protections and answers. complaint # XXXX complaint # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have a few reported hard inquires on my account which seem to be damaging my credit score. These hard inquires are inaccurate and you are reporting it to my credit score. XXXX XXXX ( auto ) XXXX XXXX ( bank ) XXXX XXXX XXXX ( Finance ) XXXX XXXX XXXX XXXX ( bank )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2023-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX You are in Direct Violation of The Fair Credit Reporting Act ( XXXX XXXX & Account Number XXXX ), has violated several of my rights. 16 U.S.C 1681 section 602 A. Clearly states that I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 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. Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 171XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ( Claim # XXXX ) This notice is to inform Truist Bank that you unlawfully verified fraudulent activity as authorized transactions by the consumer - which arose from IDENTITY THEFT that you did not verify as required by law. 12 CFR Part 1005 - Electronic Fund Transfers ( Regulation E ) XXXX Liability of consumer for unauthorized transfers : ( b ) Limitations on amount of liability. A consumer 's liability for an unauthorized electronic fund transfer or a series of related unauthorized transfers shall be determined as follows : Official interpretation of 6 ( b ) Limitations on Amount of Liability 1. Application of liability provisions. There are three possible tiers of consumer liability for unauthorized EFTs depending on the situation. A consumer may be liable for : ( 1 ) up to {$50.00} ; ( 2 ) up to {$500.00} ; or ( 3 ) an unlimited amount depending on when the unauthorized EFT occurs. More than one tier may apply to a given situation because each corresponds to a different ( sometimes overlapping ) time period or set of conditions. 2. Consumer negligence. Negligence by the consumer can not be used as the basis for imposing greater liability than is permissible under Regulation E. Thus, consumer behavior that may constitute negligence under state law, such as writing the PIN on a debit card or on a piece of paper kept with the card, does not affect the consumer 's liability for unauthorized transfers. ( However, refer to comment 2 ( m ) -2 regarding termination of the authority of given by the consumer to another person. ) 3. Limits on liability. The extent of the consumer 's liability is determined solely by the consumer 's promptness in reporting the loss or theft of an access device. Similarly, no agreement between the consumer and an institution may impose greater liability on the consumer for an unauthorized transfer than the limits provided in Regulation E. See interpretation of 6 ( b ) Limitations on Amount of XXXX in XXXX I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A