Date Received: 2023-04-07
Issue: Fraud or scam
Subissue:
Consumer Complaint: After receiving information of fraudulent charges on my bank account, direct actions were taken to stop the issue. A day later I was contacted by a phone number I could identify as my banks customer service number and when I answered they identified themselves as members of the bank Fraud Department. They disclosed further compromises to my bank account and walked me through a variety of steps in which I never disclosed personal information, rather it was quoted to me to verify. I felt it my be a scam and repeatedly questioned the caller as to authenticity. By XXXX choice I believed what he was telling me and subsequently set up a XXXX recipient to receive a {$3500.00} payment in order to clear my account. The change was supposed to be rejected of course, but it in fact went through I am out {$3500.00}. As it was a XXXX transfer through my bank, they will not stop the charge nor reimburse for the fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, My name is XXXX XXXX XXXX and I am contacting you on behalf of my fianc and I, XXXX XXXX. We are in an emergency crisis situation, ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC A GOVERNMENT OFFICIAL ). Where we are supposed to be receiving help from the government but they have failed us at every level for going on 17 months. Our bank account was breached by employees of XXXX XXXX XXXX. We reported to officials, we have contacted the XXXX XXXX XXXX, which then triggered the FDIC being contacted, and when they failed us, we were passed to the Security and Exchange Commission. There even was a joint task force comprised of the FBI, SEC, and the FDIC. And this is where we have been ever since, just going back and forth for 17 months at this point with no real progress made. This has made its way all the way up to the Financial Services Committee of Congress. Everyone from President Joe Biden, to Vice President XXXX XXXX, Chairman XXXX XXXX from The SEC, XXXX XXXX the House Representative for our district. We have an invoice that was provided to us by the SEC, and the FDIC. We have been up for eviction at least 3 times in the past 17 months, because I had to leave my job to be able to constantly call to try to get the government to actually do its job. So my family is begging you. We are barely surviving, literally surviving off what our parents can provide but we are all alone, our families live in different states. We are XXXX years old and we had to leave college due to the pandemic and now we are faced with this crisis and no one is truly helping us. We are trying to start a family and pursue our opportunity at the American dream. But its being stolen from us. Please help us to get Justice. We have been told multiple times that our case could lead to the collapse of multiple banks and even the financial industry as a whole especially with the failure of XXXX XXXX XXXX. Please reach out to us as soon as you can. We desperately need your help. We are owed money by the government and we have the invoice to prove it. Thank you for your time. ( ALL OF THIS TURNED OUT TO BE A LIE BECAUSE THEY ARE IMPERSONATING Chairman XXXX of the SEC, A GOVERNMENT OFFICIAL )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27403
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am a paperless Truist customer and have a Truist credit card. The closing date of each month is the XXXX and soon thereafter they post the statement on the website which I access with my XXXX or XXXX. However, this month, XX/XX/XXXX, the statement was NOT available. I contacted customer service through Truist Assist, their online customer service portal. They informed me that their technical people were aware of and were working on getting the statements posted. I waited several more days, then today XX/XX/XXXX, the statements were still not online. I contacted Truist Assist again to inform them that they were delinquent in sending me a statement and I demanded that they email me a pdf of the statement. They said they could not do that. They said they didnt know when the statement would be available. They said to pay the amount due in the payment summary page. I told them I was unaccustomed to making payments without statements. My complaint was sent up the chain. Truist, no doubt, has many paper customers who receive statements in the mail. Yet they can not accommodate me by sending me a paper or pdf statement when the error is theirs. Or is it that they have been hacked and can not generate statements? I could not find any reporting online of statement issuing problems with Truist. Regardless, I am annoyed and frustrated by Truists inability to provide me with my statement in a timely manner as is my right. They must implement backup systems to provide customers with statements should they incur technical difficulties in the future. Statements are normally available a few days after closing. It is now at least 16 days after closing. Thank you for your attention. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
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. The code was successfully applied and can be found at offers.truist.com. The promotion terms say : " 1. Make {$1500.00} or more in qualifying deposits into the new business checking account within 30 days of account opening. 2. Enroll and Sign In to Truist Online Banking for Business within 30 days of account opening. '' offers.truist.com shows that I have completed requirement 1 successfully ( see the attached screenshot ). For requirement 2, I have enrolled and signed in to Truist Online Banking for Business on XX/XX/2023, the date on which I opened the Truist Simple Business Checking account at the branch. Please see the attached screenshot from my Truist business checking account showing the online login I have done since account opening. However, there seems to be a systemic error at Truist that did not acknowledge that I had fully fulfilled requirement 2. Hence, Truist did not send me the promotion bonus. 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: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On or about XX/XX/XXXX Regional Acceptance Corp reported to all three Credit Bureau 's erroneous information that favored them. I financed a vehicle for {$17000.00} and on XX/XX/XXXX my vehicle was taken from my apartment complex without warning or any type of written/verbal communication. After repossessing the vehicle I did not receive any documentation and they proccessed to sell the vehicle in a auction without notice and did not inform me of anything. I had to call them to find out what was going on. For several months they wrongly reported the original amount and cause me severe fianiacial hardship. In an attempt to ensure I am in complaiance I reached out to Regional Acceptance Corps for the 1099-C since I never received it and it was charged-off. I am seeking justice for all of the 4 years of mental and financial damage due to malpractice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77075
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Truist Bank is reporting bankrupt account as open and past due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2023-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I used to work for BB & T and opened the account the company offered which was a premium account that had requirments or cost $ XXXX a month. since i was an employee, i feel that back in XXXX when i opened it the company steered me to the product. All was fine when I was an employee, all was fine after I left the bank in XXXX of XXXX until I sold my home and started incurring an approximate $ XXXX/mo fee because I had no mortgage and no longer worked there. I feel that part of the off boarding should have been to address this potential impact. We have tried to close the account but the customer support team responds with " you need to come in person to close the account '' even though we moved to an area where I can not readily access a Truist location. ON top of the trapped in the account status, they pull the money out of the account and then charge overdraft fees on top of the monthly account fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-04-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom It May Concern : Thank you for taking the time to read this letter. Im writing because I noticed that my most recent credit report contains late payment reported on XX/XX/23 for my TRIUST account ending in XXXX. Id have an excellent repayment record. Ive had a spotless record of on-time payments. Im planning to apply for a mortgage, and its come to my attention that the missed payment on my record could hurt my ability to qualify. I truly believe that it doesnt reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late payment on XX/XX/23. Thank you for your consideration, and I hope youll approve my request. Best, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/ Truist Bank charged my account with XXXXhree ( 3 ) {$36.00} overdraft fees based on pending items. I reached out to them via their chat and was told that this is their normal practice to charge overdraft fees based on pending items. It happened again on XX/XX/23 and XX/XX/23. The overdraft fees are actually what is causing the account to go negative rather than posted transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 373XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Need assistance or help with Truist bank where I am not able to get any help for last two years. Currently I have loan with Truist Bank in loan modification since XX/XX/XXXX ; making my monthly payments on time as requested. I have been calling every month and asking for status update to get this issue resolved since this caused me lot of trouble for not able to refinance or borrow the money which I needed when the interest rate was very low last year. Have contacted multiple times via emails, phone and other ways to get this issue address. Only the response I get from client service rep that your loan in modification and we will contact you. This is going on for last two years.. Now I have been trying to get 1098 form to file IRS tax for XXXX. I did not receive any 1098 form as well called few times again, no action taken and no status update after calling multiple times for last few weeks. I would appreciate if I can get some support on this issue or guidance to get this matter resolved asap with bank. I'd appreciate very much for the help. If you need personal info about the account and details, please feel free to contact me via email : XXXX or cell : XXXX Will appreciate a lot and thanks for looking into this matter! Rgds, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95148
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A