Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize these credit inquiries on my report. I would like to have them removed from my credit report or have the company provide the application bearing my name and signature and a copy of my ID proving that I was the person that initiated this inquiry. I did not apply for any credit with these companies. Please verify these inquiries and remove them from my credit report. I have stated this information to the creditors and they have not responded to my claim and this information continues to remain on my credit report. Under the FCRA, if the creditor can not validate the origin of the account and its accuracy and authenticity, they are required by law to remove it from being reported to the credit bureaus. This is damaging to my credit rating and causing me a lot of stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2023-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a new account with Truist on XX/XX/XXXX using a promotional code that offered {$400.00} bonus for new accounts when you have at least 2 direct deposits totalling {$1000.00} or more within your first 90 days. ( 90 days is also the only timeline laid out for qualification period in the Terms and Conditions which I have attached below as well ). I set up XXXX XXXX on the account and received two {$500.00} direct deposits ( XX/XX/XXXX & XX/XX/XXXX ) which met the deposit requirements. On XX/XX/XXXX I received and email ( Attached ) notifying me that they had completed their final review and determined that I did not qualify. This did not make sense as the 90 day qualification period was not even over. I then called the number in the message to discuss why. During this first call, I was told it was because I had held an account with them before. I advised the rep that I had not had an account with Truist ( May have had a Suntrust account years ago but that was for sure over 10 years. ) I then also read the Terms and Conditions to confirm that this was not laid out in them. ( see attached ) I then placed a second call to explain this and was at that time told that it was not a previous account issue rather it was an issues that the account was " overdrawn '' ( her words not mine ) when they reviewed the account on XX/XX/XXXX. Since this is not an account that I have even begun to use yet ( only 40 days open ) I was confused. At this point, I reviewed the account and noticed it was indeed - {$3.00} on that day because of a fee to mail a printed statement ( which was the exact same day ( XX/XX/XXXX ). I explained to the rep and the manager that this shouldn't disqualify me as technically I never authorized the account to " Overdraw '' and i shouldn't be penalized for a fee that just happened to hit the account the same day that they reviewed. Additionally, I had set up alerts on my account to get text notifications which should have notified me of the negative balance and it did not. The fact that it did not tells me that either ( a ) they do not consider it a actual " overdraft '' / account in bad standing or ( b ) it was deliberate so they could immediately review my bonus offer and deny me. I explained this to the manager who said there was nothing she could do but understood how that looks suspicious. The account shouldn't have been reviewed until the 90 day point that was laid out in the Terms and Conditions, at which time I had planned to be using the account and this would have been a moot point. There is no explanation anywhere that they could and/or would review them at any random or stated time frame before the 90 days laid out in there Terms and Conditions. Additionally, I should have gotten a notification either way which I did not either. It seems to me that they have this in place to attempt to get out of holding to their bonus promises. The manager advised there was not other way to have this reviewed or reconsidered as all decisions were " final '' implying they never make any mistakes. The fact that I was given multiple reasons ( first the old account and then the balance ) makes me believe their entire goal is just to avoid holding true to the bonus commitment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Last year I began receiving notices from Truist Bank about a delinquent account that I did not open. The statements stated that my account was overdrawn by over {$10000.00}. Id reached out to Truist Bank and informed the representative that I spoke with that it was a fraudulent account and I was told the account had been closed and that it was being reported to credit agencies that it was fraudulent. To date, I am STILL currently receiving notices from Truist bank about this account and the account is still accruing debt because of maintenance fees being charged to me by the bank. I've spoken to a number of individuals, and I don't understand why this matter is yet to be resolved. This is issue has greatly impacted my credit and I am still confused as to how someone else was allowed to open an account in my name with no verification of identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Debit card information was used on XX/XX/2023 at a XXXX XXXX and three unauthorized transactions took place totaling {$250.00}. A fourth charge was attempted on XX/XX/2023 but was flagged as fraud by the banking company. I was immediately notified of the fraud attempt and called the bank fraud line and spoke to one of their representatives. It was during this time the other unauthorized charges were discovered. My card was canceled at this point as well. On XX/XX/2023 when the charges were posted to my account, I disputed the transactions as requested by the banks representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 376XX
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I searched on XXXX for XXXXXXXX XXXX and was pointed to a website I legitimately believed was XXXX. The website was XXXX whereas the authentic website is XXXX I proceeded to buy a gun from the fraudulent website and sent my money via XXXX as the spam seller requested, this was a total of {$450.00} on XX/XX/XXXX. I received an email stating the transaction was approved and on XX/XX/XXXX I attempted to reach back out to the company in an attempt to give them the contact info of my chosen XXXX dealer, the emails started to bounce back ( there are also photos of this ). This was when I realized that this website was a faked, copycat website. I attempted to report it to my bank immediately when I realized a company I was dealing with was committing fraud and pretending to be a firearms dealer that has been in business for over 80 years and is a very well-known company all over the world. As my bank, I expected them to help protect me. I was told to wait until the money posted and then got a letter stating that because I initiated the transaction, they weren't refunding me my money. I reported the transaction immediately, expecting my bank to help me and they did nothing. This bank did not protect my money and could care less even after proving all the reports I filed about the fraudulent claim. It's sad that after almost a decade of business with me and my family, I don't seem to matter. I did report the fraud activity to the Federal Trade Commission, the Georgia State Commissioner, and the XXXX XXXX XXXX After reporting it to the XXXX Truist said they would look into it and I received a letter stating they couldn't get the money back so I wouldn't be getting it back either. Seriously? The company literally stole my money, how is that even an attempt at a resolution? All of the information provided can be proven with screenshots and images. I also have the name of the original Truist rep we spoke to and the complaint number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30512
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I bank with Truist, and I had 3 fraudulent checks cashed out of my checking account with them. The amounts and dates are as follows. XXXX. XX/XX/XXXX Check XXXX {$8500.00} XXXX. XX/XX/XXXX Check XXXX {$2700.00} XXXX. XX/XX/XXXX Check XXXX {$6100.00} Please note, I have my original receipt for the first check XXXX that proves I never wrote a check for that amount or to said person. All three checks were fraudulently duplicated/made, all XXXX were made out to the same person committing the fraud, all XXXX had my signature forged on it, and all XXXX were cashed at discover bank. I was never issued a check book for checks XXXX to my knowledge, so it seems after check XXXX was stolen they used that as a guideline to reproduce the checks. I can see pictures of the cashed, fraudulent checks, under my online checking account. I write at least XXXX check a month and the XXXX fraud ones were blatantly a forged signature, they don't match any of the other checks I ever signed on my account. My first step was contacting Truist on Monday XX/XX/XXXX over the phone, a claim was filed for the fraudulent checks and I was instructed to go into my local branch to finish the process. On Tuesday XX/XX/XXXX I went into my local bank to sign and read all required paperwork regarding the claim. I was told in XXXX business days the money would be credited to my account, and then from there they would work to investigate this to release the money back to me. Well this morning XX/XX/XXXX I received the following message via email. " This letter is to inform you that we have concluded our investigation regarding your claim of fraudulent/unauthorized activity dated XX/XX/XXXX in the amount of {$17000.00}, in connection with the above referenced account. Based on our investigation, Truist denies your claim for reimbursement because you did not report your claim within required timeframe ( XXXX ). If applicable, the evidence which was used to resolve your claim will be available to you upon request. Truist values the opportunity to process transactions for our clients. Should you have any further questions regarding this matter, please contact XXXX XXXX XXXX at XXXX, we are open XXXX hours a day, 7 days a week. Our staff will be glad to assist you with any questions or concerns. Thank you for banking with Truist. '' My understanding is you have 5 years according to the statute of limitations to report check fraud. Also I can't find anywhere any timeframe that Truist even requires to report this. And that should have been the first thing mentioned over the phone if it was too late, so I call bs on this they just don't want to help me out. This is a huge amount and to receive such a vague response is disgusting. I wanted to go through the CFPB before contacting a lawyer, thank you!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32708
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 I purchase a pre-own vehicle and was financed through XXXX XXXX XXXX on XX/XX/2022. I just received a copy of my credit reports and I have 6 additional hard inquires from : ( 1. TRUIST XXXX-XX/XX/2022. 2.XXXX XXXX XXXX-XX/XX/2022. 3. XXXX XXXX-XX/XX/2022. 4. XXXX XXXX XXXX-XX/XX/2022. 5. XXXX XXXX XXXX-XX/XX/2022. 6. XXXX XXXX-XX/XX/2022 ). On the same date, and I never authorize any of these company to pull my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On a consistent basis Truist continues to take money out of my account in multiple fees per day. I look at my account all day and my account is always 90 per cent of the time in the positive before I go to sleep. When I wake they have stolen hundreds. In XXXX alone I have 25 or more fees. I gave the cash app transactions to show XXXX deposit all money the moment it is overdrawn. I also have the time frame resulting in no reason for the fees. Given the current banking situation I dont keep a lot of cash in the bank sitting but I can always transfer with the touch of a button. Like I say. I have the time of transfer. When night comes they go in and I dont care if I transferred my money at XXXX am. They still give me a fee. Something is not right if one person has 20 or 30 fees a month. Someone is stealing and its not me. I think I am a target. I am crying and broke and not working! They should be ashamed. I am suing them. I have my cash app statements with the times of the deposit. Any one can look and see this is theft. If I was so overdrawn and all the fees are legitimate then how am I staying out of overdraft? How could I pay the amount and the fees? Because I have pawned everything I gave to give to the thieves. I need help asap!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My Loan servicer will not accept HAF funds after my mortgage modification
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A