Date Received: 2023-04-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've asked many times for check images. Truist has failed again and again to provide them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: Auto was totaled in XX/XX/XXXX car was financed with BBT/Truist Bank and the GAP insurance was purchased through XXXX XXXX XXXX their was continued miscommunications between both companies which delayed the gap payoff covering the final balance of the auto loan this was paid off in early XXXX and is reporting XXXX can we please get this removed asap. Im trying to purchase a home and I am not one that does not pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40509
Submitted Via: Web
Date Sent: 2023-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new Truist Simple Business Checking account using promo code XXXX at the branch on XX/XX/2023. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " XXXX. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. XXXX. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. " I have completed both requirements ( please see attached screenshots for proof ). However, it still shows " Enrollment Pending '' offers.truist.com rather than " Reward Pending ''. I called Truist XXXX XXXX XXXX on XX/XX/2023 and XX/XX/2023 on a recorded line. Even though the agents I talked to confirmed that I have enrolled in this offer and I have completed the XXXX requirements ( please check the recordings on the recorded line ), they can not help me get the {$300.00} bonus. They just transferred me to another agent again and again, which put me in a loop. Would you please investigate and resolve this issue? Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting the loan
Subissue:
Consumer Complaint: Since Friday of last week, XX/XX/2023 I have been told that I was approved and was to receive my funding on Monday XX/XX/2023. I have XXXX and XXXX currently and needed my granddaughter to speak for me. I sent in everything requests and even set up auto pay and picked the date of when my payments will be deducted and they still won't speak to my granddaughter or send me my money. I have SEVERAL calls and emails to prove such. I just want my money. Can you please help me? XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have a new vehicle and all my paperwork has only the dealership name on it. When I asked the company that calls everyday to send any paperwork that states that I have a contract with them they repossess my car off of private property and signs are posted stating private property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23235
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have received by first printed bill from Truist after transfering my from another card in XXXX. The terms of the Truist Credit Card balance was 0 % interest for 1 year/12 months. When I looked at the bill that I have received it was NOT 0 % ( bill attached ). When I received the letter that my balance transfer was " in process '' there was NO mention of the change of terms of the transfer. I called XXXX on XX/XX/XXXX at XXXX pm to discuss the Bait and Switch and spoke with XXXX ( who was very nice ) but told me there are NO credit cards available now for me with a 0 % balance transfer and that would create a report # XXXX. In Mid XXXX BEFORE I made this transfer my Credit rating was XXXX and I would NOT have applied for another credit card balance transfer if it wasn't 0 % interest for a set period of time!!! When I submitted my information, Truist had your choice of THREE different credit cards with different benefits but ALL THREE HAD 0 % balance transfer. Please help, there was not small print that gave the consumer a chance to decline if there were different terms!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was told that my auto loan was with XXXX and not TRUIST Bank when I did my lease end buyout with XXXX. Therefore, I did not receive the mailing from TRUIST Bank regarding my loan and did not make payment. I reached out to XXXX several times between XXXX regarding not receiving a bill for my auto loan and was told that it would be coming shortly from XXXX and not TRUIST. The communication was terrible. I also never received official looking documentation from TRUIST Bank or any communication until I contacted TRUIST Bank on XX/XX/XXXX after finally finding out from XXXX that my auto loan was serviced by TRUIST Bank. It was at this time that I explained the situation and made my entire payment in full and set up autopayment. I contacted XXXX and TRUIST Bank on XX/XX/XXXX to discuss and dispute this and my issue was not resolved. I pay all of my bills on time and would have done so if I received proper communication from XXXX and TRUIST Bank. This took over 2 months for me to find out that my load was with TRUIST Bank at which point my account was past due and I did not know about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80221
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Getting a line of credit
Subissue:
Consumer Complaint: ON XX/XX/XXXX I VISIT THE XXXX XXXX XXXX LOCATED IN XXXX XXXXXXXX XXXX A CREDIT APPICATION WAS SUBMITTED FOR A XXXXXXXX XXXX DURING THE PROCESS NO AMOUNT WAS DISCLOSED. SHORLTY AFTER THE DEALER ASKED IF I HAD A DEPOSIT ILL BE WILLING TO PUT DOWN WHICH I DEINED. THE APPLICATION WAS RECIVED BUT HAD A PENDING STATUS AND WAS TOLD ILL BE CALL ONCE A DISCUSSION HAD BEEN REACH. XXXX XXXX XXXX I FINALLY SPOKE WITH DEALERSHIP WHERE THEY SAY SHEFFIELD FINANICAL WAS REQUESTING A CO-SIGNER. REASON STATED BECUASE OF LOAN AMOUNT. IVE EXPLAIN THAT NOT ONLY HAVE I PAID OFF EQUITMENT NOT FAR FROM THE AMOUNT IN THE PAST IT WAS PAID OFF EARLY. I ALSO INCLUDED THAT I HAD ANOTHER LOAN FOR THE WITH HIGH LIMITS PAID OFF EALRY. ON XX/XX/XXXX I CONTACTED Sheffield Financial ServicesXXXX WHERE I WAS BY XXXX XXXX. I ASKED FOR HIS COMPANY CONTACT INFORMATION. HE THEN BECAME VERY AGGESSIVE. I TOLD HIM HIM I WOULD CALL BACK. FOLLOW THAT CALL I CALLED BACK IN SPEAKING WITH XXXX XXXX. I REQUSTED THE COMPANYS INFO, I WAS THEN PLACE ON HOLD SHE STATED SHE DIDNT HAVE ANY INFORMATION. MOMENTS LATER XXXX XXXX GOT ON THE LINE STATING " IS THIS XXXX YES WE MADE OUR DECISION AND WE DONT WANT TO DO BUSINESS WITH YOU AND HUNG UP ''. HE NEVER INTRODUCED HIMSELF AND DIDNT LET ME GET A WORD IN .... I HAVE DOCUMENTS FROM THIS ACTION ALSO. ( audio files are to long for upload please provide an alterative source ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 236XX
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We made a deposit in the amount of {$22000.00} on XX/XX/XXXX. It was a check from our 401K that we were using to pay our income taxes. The bank put a hold on the bulk of the funds for 11 days. They said it would be on hold till XX/XX/XXXX. I understand the reason for the hold but I think 11 days is excessive being that we have been a long time customer with no problems with our account ever. We checked with the issuer of the check and they said the funds were cleared on XX/XX/XXXX. So i again went back to the bank and asked that the hold be released since the funds were cleared. They denied my request citing bank policy. They gave a few excuses which did not make sense in this situation. Everything from the time our account has been opened ( which has been years by the way ) The large amount of the deposit, ( but ok it has been cleared ) to bank policy. I vented my problems to the bank manager, then twice to their help line. I am not one to complain but I felt this was something I should address. In the mean time we had to mail our taxes and we hope that it does not overdraw our account if the funds are still on hold. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19002
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I openedan account with TRUIST bank, on XX/XX/XXXX ... the agent informed me, that theres was a CHARGE OFF on record, I was surprised, I NEVER had Truist, but he clarified that it was under BB & T bank, ( it went out of business ) and the CHARGE OF WAS FROM XX/XX/XXXX XXXX years ago, this created a problem with opening a checking account with Truist. Can you help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33173
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A