Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: An account was open with TRUIST BANK without my knowledge. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22405
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On Friday afternoon, XX/XX/XXXX we received an email referring to a potentially fraudulent charge for a XXXX XXXX warranty. We had been in contact with XXXX XXXX about a warranty just prior to XX/XX/XXXX, so receiving a query about the warranty charge wasnt surprising. Somehow unknown to us, someone had been able to take over all of our accounts. We had no notification at all from Truist that our accounts had been accessed and money moved around. The person who said he was with Truist Fraud Dept also said he was working with the feds, that they had already put {$7000.00} into our checking account and they wanted our assistance with a sting operation to catch the hackers. They instructed me to withdraw the {$7000.00} and purchase gift cards from several different locations and to furnish them with the information from the cards for redemption. After the first couple of purchases, I suspected that the people involved were probably not with Truist. So I completely disconnected from their telephone call. I immediately phoned Truist to report what had happened and to cancel all of our accounts. We also filed a police report. Early on Monday morning, XX/XX/XXXX we went to the local Truist bank to report what had happened. We gave all of the detail to XXXX XXXX ( XXXX XXXX XXXX ), who took the information and organized a report which she would file with the appropriate individuals. Meanwhile we opened new accounts with Truist. After a couple of days had passed and we had not heard from anyone about our accounts and what to do, we returned the {$5000.00} to the bank. The entire episode has been extremely distressing for us. We had no idea how our bills would get paid, whether we would get Social Security deposits on time or how long it would take for the situation to be dealt with. Were XXXX and XXXX XXXX XXXX and dont have money that we can afford to lose. The stress continued for another month and we still had not heard anything about our accounts and how people were able to get into our accounts and do as they wished with our deposits, credit card, credit line, and savings account without some notification from the bank. The kind of activity that had occurred in our accounts was completely out of character for our accounts. After 30 days had passed and we had heard nothing from the bank, I returned to the local branch to find out what was being done to protect our money, as we were very concerned about making additional deposits. I learned during this visit that the report filed by XXXX XXXX had been misplaced in the system. She refiled the report. After not hearing from anyone for another few weeks, and in an effort to find out what was happening and who had accessed our accounts, I went down to see the bank manager. She wrote a letter for us to the Complaint Department, and that letter has gone unanswered to this date as far as we know. XXXX XXXX from XXXX XXXX wrote saying she had not been able to reach us and asked that we call. I called her several times, left a message each time, and have not heard from her. XXXX XXXX also called her on our behalf and left a message and said she would contact us when she heard back. Apparently she hasnt called XXXX XXXX back yet either. No one has ever contacted us to help get the accounts settled. Since XXXX XXXX told us during our first visit on XX/XX/XXXX that the FDIC covered up to {$500000.00} for joint accounts, we expected someone to send us a letter explaining how it was to be handled. Were at the end of XXXX of XXXX, two additional months after the report was filed for the second time, and we still have never been told how people were able to access our accounts and what was being done to remedy the situation. Were now receiving threatening letters from the bank demanding payment of an unfamiliar amount. No one has ever sat down to explain why this situation has continued for so long, how they are dealing with our accounts, and why we would owe the bank any money at all. We have been told that the bank could take action which would prohibit our getting a checking account in the future. As you can imagine, were very stressed about something that we apparently have no control over. Were left helpless to be dealt with by the bank as they see fit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: After pulling my credit report I notice that there is a car loan on my report for {$37000.00} creditor Regional Acceptance. I no longer have this vehicle, nor tag etc. This account was closed as stated on my XXXX report as of XX/XX/2021. This is hindering me from getting another loan due to the large amount says owed. This is the only bureau in which this loan appears on and I am requesting it be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX real estate companies have been reported on my XXXX XXXX i would like it to be closed and cleared as paid off and al funds returned to me via my XXXX account per 12 USC 1813.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23701
Submitted Via: Web
Date Sent: 2023-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Trust is the original lien holder for the title on my vehicle which was paid off in 2020. I have been reaching out to them for XXXX months trying to get a lien release mailed to me so I can register my vehicle in a new state. Despite calling their customer service and being told repeatedly that it would be mailed to me, Ive waited now XXXX months without receiving the document and I cant drive my car without it. I have even followed up with their Closed Loan Department without any success. The resolution I would like is for Truist Bank to send me my requested Lien Release so I can use my car again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43068
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: None of the names and dates listed below under my hard inquiries are recognized by myself nor were they authorized by myself and I have tried to have them removed by contacting the companies as well as by disputing them however they are still showing. TRUIST BANK Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX Reported on XX/XX/XXXX XXXX XXXX Reported on XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home was destroyed by XXXX XXXX on XX/XX/XXXX. Truist Bank offered me " forbearance '' in XX/XX/XXXX, while we were trying to obtain payments from our insurance companies. I have contacted Truist Bank numerous times to find out how my insurance checks could be applied to " pay down '' my balance and have been left on hold for hours and hours over the past months, switched from department to department with no resolve, and then disconnected by Truist with never a call back. On XX/XX/XXXX I sent them {$330000.00} in insurance checks via certified mail with a letter requesting that they be applied to my mortgage balance. On XX/XX/XXXX they applied these checks ( with the exception of a {$9500.00} check that is in limbo somewhere ) as a " restricted escrow deposit ''. I have once again contacted them today to rectify and explain this situation to me. I have just spent over 3 hours being switched around to different departments, left on hold for 56 minutes, and then ultimately " disconnected '' on their end. Once again, no return call. In addition, my online account with Truist includes late fees and a disbursement for " prop insp service '', with no explanation. I WANT to pay them off and proceed with a construction loan with a different bank to rebuild my home, however, they are hindering that progress daily.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53066
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Truist Bank offers a Visa travel credit card that is promoted to offer a statement credit on the purchase of global entry. We called the credit card number provided after a few months of not seeing the credit. We were told although they weren't familiar with this, that generally it takes three billing cycles. So,, we waiting a few more months then went into our local branch. The representative pulled up the disclosure and could see it was offered, and that we had not received it. She then called the CC department and got an even bigger run around! Not only was the gentleman unfamiliar with the offer but he was not interested in helping us, and claimed he couldn't even see our purchase.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My mortgage company after I was in a XXXX forbearance was with Suntrust and it got transferred to truest bank. They would not send me the packet to sign and notarize to have my payments put on the end of the loan. It went on and on they told me not to make payments because they could not accept them without the packet being signed and notarized. I never received it I called and called I never received it they got promising but would not send it. Now they are saying that theres a lien that came forward and they cant honor the XXXX forbearance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2023 I received a notification that a lender ran my credit report causing a hard inquiry and my score to drop by XXXX points. At the time that this notification came through I was at my workplace and had no idea of this hard inquiry. I immediately called XXXX and submitted a dispute of this hard inquiry as I did not perform this action. I am requesting this inquiry be removed immediately and if any further action is performed on my credit report withemy consent this will be forwarded to the XXXX and FTC identity theft.gov.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A