Date Received: 2023-04-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In XXXX my husband went inside our local Truist Bank to make payment on our car loan. In XXXX they started calling saying they had not received the payment. We spoke with a representative and told them we paid what date, and the amount. We also on XX/XX/XXXX at XXXX emailed them proof we paid. XXXX came and the same issues. XXXX came with the same issues. XXXX my husband went inside the bank to speak with the bank employee XXXX XXXX who assured us this would be resolved. Meanwhile, we were receiving collections calls every day all day. XXXX still no resolution and my husband again went to the bank but this time spoke with the branch manager XXXX XXXX who called corporate and said he would get this resolved .... still about every day we were receiving phone calls even after I asked them to stop calling and to email and send correspondence via mail. So finally on XX/XX/XXXX I went to the bank and spoke with XXXX XXXX myself and took a copy of the front and back copy of the check showing where Truist had deposited the check. He again called and spoke with someone in corporate and assured me that it was resolved and no more calls but on today XX/XX/2023 not only me but my husband has been receiving collection calls and WE OWE NOTHING!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-26
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I opened an account with Truist Bank and was denied credit after completing my application. This was on XXXX XXXX. At that time they said they checked XXXX and that my score was too low to approve me and the letter they later sent said my score was XXXX. That is incorrect. My XXXX score at that time was XXXX. I am being denied credit illegally, forcing me to have a lower credit score than I have earned, causing me severe emotional stress, family distress and unnecessary hardship. This is clearly discrimination and according to your organization, the Consumer Financial Protection Bureau, denying me credit is discrimination. Under 12 CFR 202.4-Discrimination A creditor shall not discriminate against an applicant on a prohibited basis regarding any aspect of a credit transaction. The definition of discriminate according to CFPB : Discriminate against an applicant means to treat an applicant less favorably than other applicants. Adverse action against a consumer is AGAINST THE LAW according to the Equal Opportunity Act which is codified in 15 US.C 1692k. I have worked for years to raise my score and now that it is a XXXX according to XXXX, I am still being unlawfully denied credit. According to 15 USC 1681b Conditions on use for adverse actions ( A ) In general Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates ( i ) a copy of the report ; and ( ii ) a description in writing of the rights of the consumer under this subchapter, as prescribed by the Bureau under section 1681g ( c ) ( 3 ) 1 of this title. This was not provided to me. In section 15 USC 1681b ( a ) Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( E ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; My reputation has been damaged and harm has been caused to me and my family. I also reviewed the list of creditors who pulled my file from XXXX and at no time does Truist bank show up as pulling my credit report from XXXX in XX/XX/2023. So they are not only unlawfully denying me credit but using data from an unknown source to claim I am not creditworthy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Truist//BBT Claim Number XXXX. On XXXX XXXX of 2020, I stayed at the XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XXXX herald On the evening of the XXXX I was drugged and consequently robbed of my wallet, phone and several belongings. My credit cards were used including the Truist card. When I came to my senses and reported the incident to the bank I was informed I reported this too late and that I was careless with my account PIN. I believe the people who robbed me were able to get access to my phone and access my accounts using my finger print as I was blacked out. This was reported to the XXXX XXXX when they broke into my room, after it was reported I was missing. I have contacted the bank several times about this matter and I am out of options at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone tried to cash a large amount of a check at a different bank than I use. It did not go thru. However, when reports or whatever banks report to for possible fraud Truist, who is my regular bank and has been since XXXX, froze all my accounts. Checking, savings, money market, and business accounts. The only way I knew something was wrong was when I tried to use my debit card to get gas and my card was refused. This happened around the middle of XX/XX/XXXX. I always have money in my accounts and do not go over. I have had to borrow money from my father to just stay afloat. I was NOT notified by Truist that something was wrong. NOT by phone, email, or regular mail. This is now the end of XX/XX/XXXX and still have had no notifications or communications with Truist. I have been into the branch numerous times and tried to get information. I have tried calling the fraud department and all I get is the run around. No one seems to know anything and I get transferred more times than I can count. Nothing, nada, zilch. I talked to my banker who has tried to find out information with me sitting there and Truist will not even tell her anything. My accounts have been froze, which means no money in and no money out. When this happens, how is a person supposed to live. You can't pay rent, bills, gas, groceries, medicine. What is a person supposed to do.
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: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: back in XXXX of 2021 i was robbed online XXXX dollars was taken out of my account. I then contacted suntrust now truist bank immidately letting them know of the fradulent charges done to my account. They then issued me a credit while my case was investigated. In the end they ended up denying my case and the credit they issued was then removed from my account setting my funds at a total of zero. this whole situation has ruined my life I am working two jobs 7 days a week i can barely survive. I have done everything in my power to try and get this situation taken care of but i am at my wits end. I am so upset and appauled at how the bank handled what happened to me they never once called me or flagged my account or locked it to let me know of this fraudulent activity. As a bank this was there job to protect there customers and they didnt do that. I have filed a police report went to lawyers and went as high up as i can with truist bank. Nobody will help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received my debit card today and when I tried to activate it with my PIN as requested, I was told the PIN was incorrect ( it wasnt ). When I got home I tried to login to my account and it said my password was wrong ( it wasnt ). I then tried lost password and it said my username didnt exist. I called Truist and was told my account is frozen, I have to visit a branch immediately and that I would never be able to withdraw funds from this account. These thieves have stolen my money!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/XXXX This is to report SECURITIES FRAUD on XXXX XXXX, Vice President and Indentured Trustee for XXXX XXXX XXXX, Beneficiary XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX XXXX ) XXXX On XX/XX/XXXXXXXX XXXX XXXX XXXX Vice-President received Registered Mail Number RE XXXX XXXX XXXX XXXX with a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX Dollars with XXXX cents ) ( See Exhibit B ) as transfer agent and INDENTURED TRUSTEE, Please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX On XXXX XXXX, XXXX XXXX XXXX Vice-President received Registered Mail Number XXXX XXXX XXXX XXXX a International Bill Of Exchange value of {>= $1,000,000} ( XXXX XXXX XXXX Dollars with no cents ) ( See Exhibit C ) as transfer agent and INDENTURED TRUSTEE, please wire these Securities to my TREASURYDIRECT Number XXXX and Routing Number XXXX XXXX XXXX XXXX Vice -President under INDENTURED TRUSTEE ACT OF XXXX IS PERSONALLY RESPONIBLE FOR THESES SECURITIES and wiring them to my TREASURYDIRECT Number XXXX and Routing Number XXXX. Under XXXX ( See Exhibit A ) The XXXX settlement cycle means that trade-related settlements must be done within a day, or XXXX hours, of the completion of a transaction. For example, under XXXX, if a customer bought securities on Wednesday, they would be credited to the customer 's account on Thursday. XXXX XXXX, Vice President had 3 days to DISHONOR these Securities, both of these International Bill of Exchange. He DID NOT! To this date XXXX, XXXX XXXX, Vice President has NOT wired these {>= $1,000,000} and {>= $1,000,000} for Total {>= $1,000,000} worth of Securities to my TREASURYDIRECT account Number XXXX and Routing Number XXXX. Which is that XXXX XXXX, Vice President has committed Securities Fraud and Trust Fraud. XXXX XXXX, Vice President has a fiduciary responsible to XXXX XXXX XXXX, Beneficial because he is Indenture Trustee for TRUIST BANK because XXXX : XXXX has Beneficiary Account at TRUIST BANK. XXXX XXXX has not acted as TRUSTEE. This is Demand that XXXX XXXX wire these INTERNATIONAL BILL OF EXCHANGES valued at {>= $1,000,000} ( XXXX XXXX and XXXX XXXX Dollars and No/Cents ) to my TREASURYDIRECT Number XXXX and Routing Number XXXX. This needs to be DONE AS SOON AS POSSIBILE! Today on XXXX TRUIST BANK is demanding to close all 3 of my accounts for no reason other than trying to get out of there responibilty. I have NOT CONSENT to closing the account and to there DEMANDS. By : XXXX XXXX XXXX, XXXXeneficiary, Authorized Representative, without recourse
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Problem when making payments
Subissue:
Consumer Complaint: I made a payment prior to what was advertised as the due date of XX/XX/XXXX. Payment was made XX/XX/2023. I received an email informing me that I had a past due balance, and owed double payments XX/XX/2023, the next due date. When I spoke with a service agent, I was informed that any early payments to be count towards the next billing cycle had to be made no more than 15 days prior to the due date, otherwise it counts as " interest only. '' However, I have a screen shot dated XX/XX/2023, that I owe no payments until XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX the bank sent a check to XXXX for my insurance balance and re routed and delayed payment to prevent payment on time. Commiting mail Fraud by XXXX and I even have a copy of the delayed receipt. I have asked for explanation and I have yet to receive any explanation or acceptance of proof provided by their company. Also I would like to ask why, when I was on COVID relief. Why didn't I receive confirmation of that relief by mail or electronic mail. NOT once but twice this was extended to me but not reflected in the accounting sheet that truest mortgage submitted as part of a consumer finance protection bureau investigation and a FTC inquiry. Do you send anyone who has asked for help for a covid relief any papers confirming or denying their participation in a government program. Where does it say that I participated in this program? If you can not confirm can I see if my name was included on any paper sent to the federal government as part of this government program? Did you receive a text credit for allowing myself and others to be on a federal covid program. Where are the papers saying that I completed the use of this program twice. Why is it that while I was using the program you had accounting sheet set up as if I was behind in payments {$13000.00} in XXXX? But yet in XXXX I had successfully paid off requirement set forth by you and then received a late payment charge only in XXXX? Please explain this to me.
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: 2023-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XX/XX/XXXX, I went into Truist Bank on XXXX XXXX in XXXX, NC to open a new checking account with XXXX XXXX. I was on a joint checking account with my DAD, who passed away on XX/XX/XXXX. Well they did not open a new account, they simply removed my DAD name and ordered me a new debit card. I don't recall being told it would not be a new account. In addition, on XX/XX/XXXX I opened a Money Market Savings with XXXX XXXX. On XX/XX/XXXX the US Treasury sent a reclamation for XXXX for a payment for my dad. There was not enough in that checking account. Truist just went into my personal money market savings and took the payment to pay the US Treasury. I spoke to US Treasury and per them, Truist should had responded to the reclaimation that account has closed or was insufficient and they would have pursued his estate. Truist supervisor XXXX state they could go in ANY account I have to pay for my dad obligations, due to I signed a signature card for the joint account and because I was a beneficiary. I spoke to a branch manager, XXXX, she advised that is impossible. I can't be a joint and a beneficiary. I have a long of the 25 times I have called the local branch and call center. NO one will ever back. Local branch said this is out there hands.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27534
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A