Date Received: 2023-05-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XX/XX/2023 I woke up and saw a mobile deposit in my account that I did not recognize or authorize but before any of that I had a balance of XXXX in my account when I woke up Friday morning I tried to make a withdrawal at truist bank and they told me I couldnt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Dear Sirs, 1. The documentation below is to investigate and dispute the unsolicited opening of an equity line of credit, under my name, without my knowledge, my consent, nor my signature, on two different occasions ( as reflected in the credit report ). 2. I recently discovered this fraud by accident through the Credit Report agencies, as the bank consistently denied to explain and disclose the origin of such equity line of credit including arbitrary charges. The bank also provided contradictory answers that are meritless and inconsistent with Truists own account holder portal. 3. The bank as of today is still failing to produce proper, legal, and compliant documentation despite stating that they are in possession of it and that it would share it with me on the spot. This was back in XX/XX/XXXX, other attempts in XX/XX/XXXX, followed by additional attempts on XX/XX/XXXX and again, on XX/XX/XXXX, and again on XX/XX/XXXX. 4. After nearly 7 months and multiple calls and in-person visits to the bank to gather the proper documentation and make sense of the situation, not much came to light other than Truists customers representative admitting that he himself could not explain this irregular opening of the account, and could not pinpoint either why the fees were originated as the account ( # XXXX ) was officially closed and kept a XXXX balance since XXXX. 5. Another compelling fact is that the back never provided a sensible explanation as to why anyone would open a credit line for US {$25000.00} and never withdrew any money against those funds. Such left me with no other option than to close out my checking account ( the only existing active account ) to prevent Truist from further damaging my credit score, which from a stellar average maintained for over three decades, I saw it fell out of the blue more than XXXX points. 6. In addition to this uncomfortable situation my normal personal and work life were affected ( the same with my husband ). In this context, I was forced to miss work, driving several times to the bank office. Furthermore, even when having scheduled meetings, we were denied service. I spent countless hours looking for anything that might not look familiar or out of the ordinary, to no avail until a potentially negative event came to the surface, triggered by some overdue charges I had no knowledge about until then. 7. And thats not all. In order to close the accounts, I had to satisfy all fees charged to my checking account ( ending in # XXXX ), which amounted to approx. US {$120.00}. This is unacceptable and unfair. 8. I have included my husband due to this is a joint account and were both affected by this situation. Sincerely, 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: 331XX
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was promised concert tickets so I sent the money via XXXX. Never got the tickets and have proof of the promise of tickets and my bank is unwilling to help get my money back because they say I did authorize it. Which yes I was stupid and fell for a scam but there should be no reason I can not get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX You are in direct violation of The Fair Credit Reporting Act ( Truist Bank XXXX ), and has violated several of my rights. 15 USC 1681 section 602 A. clearly states the I have the right to privacy. 15 USC 1681 section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions. 15 USC 1666B : a creditor may not treat a payment on a loan account under an open-end consumer credit plan as late for any purpose. Remove these late payment and update this 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: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I transferred the full balance on this credit card to another lender who paid the last bill in full. Now the bank ( Truist ) is charging me {$31.00} interest on a XXXX balance. When I called them they stated to me I had not been making payments but that is not correct. In the past 90 days I sent them the following pymts : I paid {$150.00} with check # XXXX, on XXXX. I paid {$140.00} with check # XXXX on XXXX. I paid {$150.00} with check # XXXX on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34205
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I moved from XXXX XXXX XXXXXXXX XXXX XXXXo XXXX, XXXX this week. I walked into my local XXXX XXXX Truist Financial branch to withdraw funds to pay for my movers. I handed them my XXXX license. They asked me a couple of security questions, which I was able to answer ; however, when they asked me what year I opened the account, I could not remember. I opened an account with BB & T about a decade ago. I never opened a Truist account myself. That automatically happened with Truist bought out BB & T. Since I could not answer that question, they stated that I was not the account owner and they couldn't help me. So, I left. I went to another branch down the road, but by the time I had arrived there, the first bank had flagged my account, so they would not help me either. I went home to transfer my funds via online banking and noticed that my account had been frozen for debits. I called the XXXX number for customer service ; they stated that this can only be resolved at the local branch. They asked if I could drive back to the branch, call the customer service again and they would assist in verifying that I am indeed the account owner. I called the local branch before driving back over to confirm this as well as ask what other forms of identity I could bring since they were obviously unhinged over the XXXX driver 's license. I offered my passport and social security card. The gentlemen on the phone stated he would not help and that I need to go back to XXXX Currently, I feel like my funds have been stolen by my own bank, and I am very frustrated. I need help to get my funds back. Then, I can just permanently close my account so as to never deal with this bank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have had a credit card with Truist for years. Recently, Truist has begun charging " interest '' on the card even when there is no past due balance. This month, there was no balance carried over from the previous month and there were no transactions on the card at all. Notwithstanding this fact, Truist charged " interest '' on the account. I contacted customer service and could not get a coherent explanation from anyone about why they were charging interest on a card that had no outstanding balance and no transactions. The customer service representative said that " the system charges it '' and that she had no other information or explanation to offer. I suspect that whatever is going on here is happening to others as well and that Truist is counting on the fact that most people do not want to take the time to investigate or complain. Sounds like a consumer class action waiting to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: A scammer through social media scammed my from my social media XXXX of XXXX dollars. I filed a police report and the detective inactivated my case. The case number was XXXX. I filed a dispute twice with the bank twice and was denied. I also filed a dispute with XXXX XXXX and was also denied. My truist account number is XXXX and my routing is XXXX. My XXXX XXXX XXXX account number is XXXX and my routing number is XXXX. The suspect or scammer XXXX profiles name profile XXXX XXXX account is XXXX and the routing number is XXXX by the owners name was XXXX XXXX but it may possible may not be an owner or unkown XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Truist XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX phone number XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Federal trade commision case number XXXX XXXX The detective who supposed to be assigned is detective needles. XXXX XXXX and XXXX only protect from scams or frauds but doesnt protect you once youve become one. I want an investigation as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2023-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2023 I was informed of a virtual assistant job opportunity through my XXXX XXXX email from XXXX XXXX XXXX, a law professor. XX/XX/2023 I responded and forwarded my resume to XXXX XXXX. XX/XX/XXXX I was officially hired by XXXX. XX/XX/XXXX I was sent instructions by XXXX that included making a donation on behalf of herself to XXXX XXXX XXXX for XXXX dollars. I was emailed a check and informed to mobile deposit it. XX/XX/XXXX Truist made the funds available and I was informed to purchase XXXX XXXX gift cards and send the codes to the foundation. Before purchasing the gift cards a called the Truist branch at the XXXX XXXX and informed them of what I had been asked to do and questioned if the transaction would be okay. I was told there didnt seem to be any issue with making a purchase of this manner. I made the purchase and sent the gift cards later that day. I was then instructed to deposit a second check for {$1400.00} in order to make a second donation. The funds for this second check were never made available. XX/XX/XXXX I was informed by Truist that both checks were fraudulent. XX/XX/XXXX I went to the Truist branch I had originally called to dispute the transaction since they had wrongfully advised me. I spoke with the branch leader and he said that his bankers were new and this was why they had advised me poorly. XX/XX/XXXX my dispute was denied. XX/XX/XXXX I returned to dispute the transaction for the XXXX again. I also asked to dispute the overdrafts fees of more than XXXX dollars that had been applied to my account. XX/XX/XXXX I was denied again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Lightstream who is part of Truist Bank has completely neglected requests for removal of a fraudulent account that came as a result of identity theft. I have asked Lightstream/Truist on 4 different occasions, via certified mail with return receipts to record all of our interactions dating back to XXXX of 2022, to remove the account from my personal name & credit report & to stop fraudulently collecting on a account that is not mine & or lawfully validate the debt in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692 ( g ). Lightstream/Truist is in direct violation of Federal Law 15 U.S Code 1692 ( g ) which requires them to validate such debt by providing All of the following : 1. The identity of the original creditor. 2. The amount of the alleged debt. 3. The name and address of the original creditor, if different from the current creditor. 4. The original lawful contract signed by both parties in wet ink, therefore binding both parties, XXXX XXXX ( the natural man ), and Lightstream, that proves I agreed to pay the alleged amount. 5. A GAAP accounting documentation ( both on and off ledger ) showing the exact asset ( s ) used to collateralize the debt. It is my right to request validation of any purported debt under the Fair Debt Collection Practices Act & It is Lightstream/Truist 's obligation to supply the aforementioned materials as requested which they have failed to do time and time again. Not only has Lightstream/Truist not lawfully validated the debt but they have continued to fraudulently collect & report the fraud. Lightstream did not validate this debt under the FDCPA laws & I demand them to remove this fraudulent account from my credit report as it is continuing to harm my well being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91950
Submitted Via: Web
Date Sent: 2023-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A