Date Received: 2024-01-31
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Hello, My name is XXXX XXXX XXXX, Consumer, who currently reside at XXXX XXXX XXXX XXXX XXXX, Fl, XXXX in XXXX XXXX . I am writing this complaint because I did not give any of the parties mentioned written consent to contact XXXX XXXX XXXX, Consumer, or any other person regarding this alleged debt. This is a Notice to place all of the parties mentioned on a Cease and Desist Order.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to express my extreme dissatisfaction and frustration regarding the discrepancies I recently discovered in my credit report through a thorough investigation. The unverifiable, invalidated, inaccurate, and questionable items have caused severe distress and emotional hardship. In accordance with the Fair Credit Reporting Act, it is imperative that my credit report reflects XXXX XXXX accuracy. Under 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ), these accounts are in violation by not reporting information that is 100 % accurate. I have attached copies of all correspondence previously sent to your agency, highlighting these violations. It is crucial that you take immediate action to rectify these inaccuracies and ensure my credit report adheres to the standards mandated by the law. Failure to address these issues promptly will compel me to explore further legal actions to protect my rights as a consumer. I expect your agency to prioritize this matter and provide a swift resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX - The accounting department noticed there was a {$15000.00} unauthorized ACH debit from our business operating account. ( Exhibit XXXX ) XXXX - I went to my local Truist Branch and filed a Fraud Report, C XXXX. ( Exhibit XXXX ) The Fraud Department ( XXXX ) said an investigation would take 90 days. XXXX I went to the local branch to see if I could obtain any additional information. I was told that someone changed my phone number for the two-step verification process ( Where the security codes were sent ) to ( XXXX ) XXXX on XXXX at XXXX XXXX. ( Exhibit XXXX ) I dont have any idea who that number belongs to and how they were able to change my phone number. The hackers outsmarted the Truists security system they had in place. I immediately told the banker the phone number was not my number and needed to be changed. When I tried to change the phone number back to my cell phone, I had to show my I.D . to prove who I was. I was also told someone was in my account on XXXX at XXXX XXXX with a XXXX XXXX address of XXXX. ( Exhibit XXXX ) XXXX - I filed a report with the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. ( Exhibit XXXX ) XXXX After hearing that the hackers were able to change my phone number for verification security codes, I immediately had my computer and server scanned for any viruses. The IT department found that the hackers put in rules in XXXX that prevented Truist and XXXX XXXX banks emails from ever reaching me. ( Exhibit XXXX ) XXXX - Without warning, Truist put a debit hold on all my business checking accounts and told me that I had to close all existing accounts and open new accounts. This caused many problems for the company. Because Trusist didnt give us any warning, many of the checks we previously wrote, plus all the auto-pays, were not getting funded. Needless to say, this put great stress and XXXX on the company and the accounting department. XXXX I received an email from Truist stating, New Online Banking Account Login Detected. This was four days after the fraud had taken place. ( Exhibit XXXX ) XXXX - I called the XXXX XXXX XXXX XXXX to get an update on the fraud and was advised that since my office was in XXXX XXXX, FL, I needed to file the case with XXXX XXXX police department. XXXX I filed a police report with XXXX XXXX police department, Case # XXXX. Detective XXXX has been working on the case. Her phone number is XXXX. Her email address is XXXX. ( Exhibit XXXX ) XXXX I called Trusist for an update, and XXXX advised me the case was still under investigation. XXXX I sent XXXX XXXX, CEO of Truist Bank, a certified letter requesting an update on the investigation and a refund of {$15000.00} that was stolen from my account. There was no response from XXXX. ( Exhibit XXXX ) XXXX I sent Detective XXXX the routing and account numbers of where the {$15000.00} was transferred to. ( Exhibit XXXX ) XXXX - I sent XXXX XXXX, CEO of Truist Bank, a second certified letter requesting an update on the investigation and a refund of {$15000.00} that was stolen from my account. There was no response from XXXX ( Exhibit XXXX ) XXXX Truist sent me a letter stating that they finished with the investigation and that they will NOT be refunding my funds. However, if the other bank to which the funds were transferred, Truist would refund my money and charge me a service fee for doing so. In the letter, there wasnt any explanation or reason why Truist wasnt refunding my funds. ( Exhibit XXXX ) XXXX - Called Truist at XXXX XXXX and requested a copy of their investigation report. I was put on hold for over an hour and then disconnected. XXXX I called Truist back again at XXXX XXXX, requesting a copy of their investigation report. I was advised they will send me a copy, but it will take two business days. XXXX - I called Truist and told them I did not receive the internal investigation report that I was promised. I only received the letter they previously sent me. I was advised NO funds or internal documents will be sent to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: Got XXXX fell behind on the mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-31
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: The principal unpaid balance of my mortgage is {$130000.00}. The value of the home is around {$300000.00}. I have requested Truist Bank on several occasions to remove the PMI as the value of the home was in excess of 78 % for several years. They refused to remove it and continue to charge it. The continuation of charming me a PMI at this point is illegal but i can not make them remove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2024-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX Truist randomly closed my account claiming fraud. They have never contacted me or gave any info. They claim its related to a check... I explained that in the brand but Truist doesnt care. I loaned someone money and they made a payment to me. They accidentally grabbed their significant others checkbook. That check returned and I never touched those funds. She then wrote a correct check from her account and now Truist is holding my money XXXX. Its been nearly 3 months. There is no fraud except from the behavior on Truists part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2024-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Update : As of Monday, XX/XX/XXXX, deposited funds of {$400.00} into Truist checking account XXXX are STILL NOT AVAILABE in Truist checking account. Today is the 10th day a hold was put on my deposit, and I still do not know why a hold was placed on my deposit. Originially {$220.00} of my {$400.00} deposit was made available immediately upon the online deposit on XXXX XXXX. Then on XX/XX/XXXX, I received notice that a 10-day hold had been placed on the entire deposit amount of {$400.00} without any explanation why the hold was implemented. The deposit of {$400.00} was made by Check # XXXX from my XXXX XXXX XXXX XXXX ( XXXX ) checking account XXXXXXXX XXXX XXXX XXXX XXXXXXXX cleared my XXXX checking account on XX/XX/XXXX. Please see attached image of cleared XXXX Check # XXXX. I have been unable to speak with either XXXX XXXX ( XXXX ) nor XXXX XXXX ( XXXX ), and neither have responded to my email messages ( copes of email messages sent below ). Please see below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Responding from Truist Case # XXXX and Truist Case # XXXX - Image of Cleared XXXX Check # XXXX {$400.00} EXTERNAL EMAIL- This email originated from outside of XXXX. Do not click any links or attachments unless you recognize and trust the sender. Dear XXXX XXXX and XXXX XXXX, Please see the attached image of my cleared XXXX XXXX XXXX ( XXXX ) Check # XXXX in the amount of {$400.00} which was deposited in my Truist checking account XXXX on XX/XX/XXXX. The check cleared my XXXX checking account XXXX on XX/XX/XXXX. As of Sunday, XX/XX/XXXX, I still DO NOT have my funds available in my Truist checking account XXXX, and neither of you have returned my phone calls. I will be filing a new complaint with the Federal Trade Commission for your unlawful withholding of my deposit funds and your lack of customer support. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Resolution, Are Truist Case # XXXX and Truist Case # XXXX duplicate responses to my complaint ID XXXX filed with the Consumer Financial Protection Bureau against Truist Bank ? My personal email address is XXXX and business email is XXXX. Please see the two ( 2 ) forwarded email messaged that I received. One message identifies XXXX XXXX as a point of contact ( POC ) and the other email identifies XXXX XXXX as the POC. Follow-up I would appreciate your prompt explanation on why the availability of {$220.00} of my {$400.00} deposit on Friday, XX/XX/XXXX was reversed and the entire deposit amount of {$400.00} was put under an Administrative Hold for 10-days. I had been a SunTrust customer since XXXX, and after its merger remain a customer of Truist Bank. My Truist checking account is linked with my XXXX XXXX XXXX XXXX checking account and last night, XX/XX/XXXX, one of your Customer Service Managers told me my check was put on hold because it may be a security risk before finally admitting that he did not know the business decision for the XXXX hold. -- -- - Forwarded Message -- -- - From : ClientResolutionConfirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Responding from Truist Case # XXXX Dear XXXXXXXX XXXX XXXXXXXX, Our Client Advocacy team is currently researching your questions or concerns received on XX/XX/XXXX. We assure you we are focused on responding as quickly as possible. If you have any additional questions or concerns regarding this matter, please contact XXXX XXXX at XXXX. Sincerely, Client Advocacy The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. -- -- - Forwarded Message -- -- - From : ClientResolutionConfirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EST Subject : Responding from Truist Case # XXXX Dear XXXXXXXX XXXX XXXX, Our Client Advocacy team is currently researching your questions or concerns received on XX/XX/XXXX. We assure you we are focused on responding as quickly as possible. If you have any additional questions or concerns regarding this matter, please contact XXXX XXXX at XXXX. Sincerely, Client Advocacy ________________________________________
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: WHY MY 12-DIGIT HOME LOAN NUMBER WERE CANCELLED OUT AND IMPROPERLY DIGITALIZED FROM XXXX TO XXXX THEN TO XXXX JUST DOING A REFINANCE THEN TO A LOAN NUMBER XXXX AS A CONVENTIONAL LOAN? VA LOAN GIVEN BY THE VA HAS UNIQUE LOAN NUMBERS FOR PROCESSING LOANS TO LENDERS. LETTING THEM KNOW THAT IT`S A SPECIAL LOAN FOR STANDALONE PROCESSING. LIKE GIVING A SECRET CLEARANCE TO A PERSON IN THE GOVERNMENT. AND THAT NUMBER STAYS WITH THAT INDIVIDUAL FOR LIFE AND CAN NOT BE TAKEN AWAY. MY VETERAN PREFERENCE IS FOR ME TO HAVE THIS BENEFIT. AND YOU AS A LENDER JUST TOOK THAT AWAY FROM ME CAUSE I WANT A HOME FOR MY FAMILY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: When i 1st obtained this loan, i was offered an introductory rate and term so that it coukd be paid off early, instead of the 5 years that they wanted. I never got any paperwork from the loan company for approximately 90 days. I had to contact them in order to get the loan contract with the terms and due date for payments!!!! Now that I've had this loan for over a year, and have even paid extra payments, they are now stating that my introductory term is now void because of past due payment ( s ). I've sent them payments ahead of time thinking that would put me ahead on my payments, and when I spoke to them about this they simply stated that they only process payments within certain days and if you send an extra payment in, it knly goes toward that payment, not the next payment or any other future payments. They also keep changing the due dates on the payments and fail to record payments that i have sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44903
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-29
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: In a period between XX/XX/XXXX and XX/XX/XXXX, Truist bank charged me more than {$540.00} in overdraft and returned item fees that need to be returned to me. On XX/XX/XXXX, a company incorrectly initatied a ach debit out of my Business checking account ending in XXXX of {$2000.00}. I did not authorize this debit and since I did not even have that amount in my Truist account, Truist should have not paid the charge and declined it. I have never authorized Truist to make my account go into the negative. I was charged a {$36.00} overdraft fee for this. The real problem began on XXXX, when I made other purchases with my Truist debit card. Truist did not notify me that my account was overdrawn and approved all of these charges when I made them. They then proceeded to return all the charges and charged me XXXX returned item fees of {$36.00} each. I was only notified of the issue AFTER all these charges were initally approved by Truist and then returned. None of these transactions would have put my account overdrawn if Truist had not approved the first {$2000.00} transaction that made my account go negative. WHY would Truist continue to approve charges only to turn around and return them and charge me {$36.00} for each returned transaction?? This is absolute robbery!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2024-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A