Date Received: 2023-04-19
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: Truist financed a new vehicle purchase. On XX/XX/XXXX I set up auto pay, online, for the Truist auto loan. I verified if the bank information/auto pay had been saved and my bank information was not stored/set up. I re entered everything again and afterwards the information was still not saved. On XX/XX/XXXX, I decided to make a one time payment online since the auto pay was not processing my information. On the first due date of XX/XX/XXXX, my account was drafted for the payment I had already submitted prior on XX/XX/XXXX. I called and they stated my auto pay was set up and that it would not deduct me in XXXX as I had a double payment. I left it alone and didn't request a refund for making two ( 2 ) loan payments in the month of XXXX. On the deduction date for month of XXXX which was drafted from my account on XX/XX/XXXX, {$710.00} was applied to interest out of the {$890.00} payment. The prior two ( 2 ) payments were applied as follows : XXXX {$890.00} : Monthly Loan Amount, {$600.00} Principal, {$290.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$720.00} Principal, {$170.00} Interest ( XXXX payment ) XXXX {$890.00} : Monthly Loan Amount, {$180.00} Principal, {$710.00} Interest ( XXXX payment ) I couldn't understand why so much of the payment posted on XX/XX/XXXX was applied to interest. I contacted Truist on XX/XX/XXXX and the representative stated it had been corrected however the next day, my new lender XXXX XXXX XXXX, paid the pay off which had been provided weeks prior and I didn't receive a check in the mail, from Truist, for the incorrect amount of interest charged to my account on XX/XX/XXXX. Its impossible for Truist to have corrected it when XXXX XXXX XXXX paid the pay off amount reported to them weeks prior, in the amount of {$50000.00} on XX/XX/XXXX posting date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2023 I sent a notarized affidavit to XXXX 's by certified mail number XXXX and it was delivered on XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered XX/XX/2023 ; XXXX XXXX tracking number XXXX delivered on XX/XX/2023 ; XXXX XXXX as well as XXXX and Regional Acceptance informing them that I never provided consent allowing them to share my personal information and that is identify theft. I also provided the companies with a copy of the FTC report filed stating this information. The companies have failed to respond or even provide proof of my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77581
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: Problem accessing account
Consumer Complaint: I have a business checking account with Truist. The account was opened in XX/XX/2022 at the XXXX, Florida location the person who opened the account opened a checking account and a credit card account. Well the credit card application was an issue cause the person who did the application for the account and the credit card didnt enter my social security properly. So the application kept being denied I contacted the branch and the corporate office several times Recently I was getting charges for XXXX verify which didnt belong to me or my business when I contacted Truist in the middle of XXXX they would not address the issues and the kept getting the run around so I did what I was able to on my end limitations on my business account setting waiting for them to contact me. They didnt and it happened again so I have been battling with trying to get someone on the phone as there was another fraud charge that happened 2 weeks later even though they didnt fix the first one and they still didnt refund my account or credit My Account that first charge they also didnt request and he does additional information. I got no notification know that there is nothing. That was my first complaint the second I complained the same thing happened but this time is a little bit different. This time I havent had access to my bank account my business bank account for seven days I was able to view it online, but in terms of accessing the money they shot my business down. This was the second time that they did this to me. New Phone call no notice nothing My bank has been shut down since XX/XX/XXXX no one call me back. No ones here to help me and I am this is my second complaint to you this site as well no one is responding I have XXXX in a business account with Truist and they are denying it is an access to view my account online they close the account down because of the fraud finally, and they reverse the charges I tried to walk into the local branch and I have to make an appointment. I dont even know where I would do that. And when I went into my local branch, they were rude, disrespectful and self-righteous. Meanwhile, my business account I cant access and everybody seems to be OK with that. I cant utilize my money when I want to and my bills are being denied because they were automatic bill paste that are getting denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-20
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: XXXX XXXX XXXX XXXX of Truist bank was notified on XX/XX/23 that I demanded my accounts at the bank be closed.She was given legal notice of this at her personal e-mail address. Instead of closing the account as instructed she has added a fee and interest to a dormant account. I REFUSE TO PAY ANY MONEY TO THE XXXX BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: For background context, I recently had a serious medical/dental issue and needed to pay for a very expensive dental procedure. On XX/XX/2023, I called Truist to ask about a payment deferral to take care of my immediate medical expenses. I was told by the rep that I qualified, as I was in excellent standing and had had the loan for over a year. She told me to expect an email from Truist with my deferral agreement no later than XXXX XXXX Monday, XX/XX/2023, and to call back if I didnt receive it. As of XXXX XXXX Monday XX/XX/2023, I hadnt received the email, so I called back. I asked if it could be sent to me while I was on the phone so that I could verify if I got it. I was told no. I said okay, to be honest, if I didnt get the first one Im not sure Ill get the second one anyway, as this is clearly an issue with their email server. I asked if there was an alternate way to get the document- via fax or postal service. I was again told no. I asked why I couldnt just receive it in the mail and was told it had to expire, which made no sense considering I was asking for a different method. The rep refused to tell me how long it would take to expire and what my next steps should be. I hung up and called back, getting a different rep. This one talked over me, talked down to me, and would not let me ask a question. He kept repeating something along the lines of maam are you going to work with me as a team? Just repeatedly saying that over and over and refusing to allow me to get a word in or ask my questions. He finally said he could mail it, but would I be willing to wait ten days? I asked for some clarification on the ten days - did that mean I would receive it within ten days or did that mean I had to wait ten days and then call back to resubmit my request? He refused to answer the question and kept asking his working as a team question. I dont need to work as a team for these people ; they already are a team, and their job as a team is to assist me, which they did not. I ended up ending the call and was so upset over the incident I began to cry. I was trying to do a very simple thing and asking basic questions, and instead of being helped I was being spoken to like a bad child. I called back a third time and got a different rep who finally agreed to mail me the agreement. However, later on that night I went online and realized I could file a request there. I did so, which also raised a red flag. If they had actually processed my request, why did it not say it was already pending and not allow me to submit a new one? Less than 12 hours after submitting it, I got the email from the automated system - the automated system responded to my request better and faster than actual human beings. That is a serious flaw with Truist Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17815
Submitted Via: Web
Date Sent: 2023-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Reflecting lates on credit report. In compliance with the fair credit reporting act this creditor has violated my rights. under 15 USC 1681 section 602, states I have a right to privacy 15 USC 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666 B a creditorI may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I opened an account with truist bank on XX/XX/XXXX I was told my irs refund check that was being mailed would be available next day once deposited. On XX/XX/XXXX I Deposited my IRS Government refund tax check and I was told my account was not valid.. I tried to deposit it with XXXX XXXX ( online bank ) and was told truist had already ran the check through their institution by XXXX XXXX. The check went bank to be deposited into truist and was accepted after further explaining on XX/XX/XXXX XXXX was told check would be put on hold for XXXX business day by Branch manager XXXX XXXX XXXX XXXX I was also told I would be able to open an account and have my funds available next day which was not the case. After check was put on hold then released into my account on XX/XX/XXXX the fraud department of Truist bank blocked my account and closed my account with no explanation. When I called the bank and asked for clarity they referred me to the fraud department which asked for several documents which I provided same day, upon receiving documents they advised they would need more documents to release funds including my official tax transcripts. They have cashed the check, which I can see the funds available in my account but have been blocked by the institution. I also went in the office later during the week and talked to another Branch Manager of XXXX XXXX who advised my funds would be realeased after he scanned the documents to the department of fraud. They are now asking for more documents to prove with no explanation or time frame of when I will be able to access my account. The customer service reps have been rude and have not helped at all. I would love some help on getting this resolved as soon as possible. My family is homeless and need these funds to move into our department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23435
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I made a purchase from XXXX on XX/XX/XXXX using my Truist credit card. On XX/XX/XXXX, I returned the item to XXXX via XXXX delivery. XXXX has confirmed receipt of the item and advised me that they sent a credit of {$290.00} to my Truist card on XX/XX/XXXX. As of XX/XX/XXXX, Truist has not credited the amount to my card. I have contacted Truist several times asking them to research the issue and have not received resolution. I filed a dispute for this transaction with Truist 's Charge Back Department on XX/XX/XXXX ; they responded via US mail on XX/XX/XXXX, asking for additional documentation which I sent on XX/XX/XXXX. The letter states " Please return the requested information to our office by XX/XX/XXXX referencing your claim number so that we may provide you the best possible service ''. It does not indicate that my claim would adversely be affected if I did not reply by XX/XX/XXXX. I called to check the status on XX/XX/XXXX and was told a supervisor would return my call. On XX/XX/XXXX, a supervisor XXXX XXXX XXXX XXXX called to advise that the claim has been closed because I sent the documentation too late and that there is nothing more that they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had a bank account at Suntrust 2 years. This bank was bought by Truist Bank.I had dispute in the processing on checking account # XXXX and saving account # XXXX of the account being transfer they started charging my checking account with a balance { {$560.00} and saving {$180.00} } without notifying me. I found out after they charged me for months - They did not notify me about these charges. and closed my account sent/sold to XXXX XXXX XXXXXXXX XXXX XXXX They should not have made this incorrect charges/errors. The ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA, XXXX attempted to collect a debt that not owe. According to the fair credit collection practice act, 15 USC 1692g sec. 809 ( b ) the credit collection company was asked to validate the debit through certified mail which they could not verify. knowing the debt is not mine and these reporting has been affecting me to open up a checking and saving due to im in chex system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I called and ask for a break down of my payment each month I pay the debt and the amount I owe never changes it was a car loan that I already paid intrest on now they are charging more interest
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48141
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A