Date Received: 2023-04-05
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Truist Bank d/b/a XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference ID XXXX On XX/XX/2021, Truist Bank d/b/a XXXX denied XXXX XXXX XXXX the extension of credit. Credit is a Right of XXXX XXXX XXXX. XXXX XXXX XXXX is fully aware that credit reporting is voluntary, and XXXX XXXX XXXX gave no consent to any information that shows on the consumer report. ( Reference C.F.P.B. article attached ). This transaction was unfavorable, which makes it adverse, yet nothing under adverse action gives you the right to deny the extension of credit. XXXX XXXX XXXX is fully aware of what a credit card is. XXXX XXXX XXXX credited this transaction as a creditor from his credit card. Truist Bank d/b/a XXXX has committed a crime, XXXX XXXX XXXX 's credit card was used and there has been no benefit to him. XXXX XXXX XXXX has been misled through the conduct of Truist Bank d/b/a XXXX by concealing that which should have been disclosed which deceives and is intended to deceive. This transaction was a blatant discrimination of rights. Respectfully XXXX : XXXX XXXX Without prejudice, all natural inalienable rights reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
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/2023, Truist Bank assessed a {$36.00} fee to my account balance at $ XXXX with pending transactions. However, the account was NOT negative, as of yet, where I was going to make a deposit and their policy is that when the account is negative then they will allow you until XXXX the next day to make a deposit. The policy was not implemented for my account and the {$36.00} overdraft fee occurred. This is not right and I would like to file a complaint against Truist Bank. There was another {$36.00} fee charged to my account when my account was overdrawn by only {$1.00}. I tried to XXXX an amount from another bank account with the instructions from a customer service agent through the Chat and she couldn't tell how to properly deposit the money so that my account would not overdraw. This would be a banking error. Yet, the {$36.00} was applied to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
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: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: Truist said they credit an {$85.00} XXXX XXXX credit on their website but however it's been about 3 months and the credits hasn't been issued on my enjoy travel credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15USC 1681 section 604A Section 2 it also states a consumer report agency can not furnish an account without my written instructions. Under 15USC 's 1666B a creditor may not treat a payment on a credit account under an open end consumer 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: 77034
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: Trouble during payment process
Subissue:
Consumer Complaint: I am uploading a four page later that details the challenges I have incurred with my construction and mortgage loans from Truist Bank. I have a binder of roughly 580 pages with emails and correspondence with the bank that affirms everything claimed in my attached letter. For highlights : - Double paying my property tax despite telling me to pay it directly and that they were not paying it. ( The bank then paid the property taxes. ) - Informing me of my new mortgage payment of roughly {$1500.00} a month, when the actual new mortgage payment was {$4100.00} a month. - Committing to reimburse me for roughly {$75000.00} - {$80000.00} in costs I fronted for this project, and then telling me they can not reimburse me for those funds. - Asking me for a roughly {$8600.00} payment as we transition the loan from construction ( interest only ) to mortgage, but not answering my questions about what was included in the {$8600.00} and how it might related to payments I had already made. The bank then refunded me twice for parts of that payment -- I think -- but there was no correspondence with the refunds to explain the entire process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
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: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I was transitioned from SunTrust Bank where I banked for over 20 years to Truist Bank in XX/XX/XXXX as part of their merger. I paid my monthly bills through SunTrust using XXXX for most of that 20 years without SunTrust charging a fee. After the merger Truist shut off my use of XXXX unless I paid a monthly fee of {$7.00} so I started using the Truist Bank bill pay service. One of the bills that I pay quarterly through the Truist Bank bill pay service is my quarterly property tax. I have it listed in the Truist Bank system to pay the City of XXXX, VIRGINIA. I get on line with Truist Bank after the payment date to confirm the payment was made. On my statement, the payment shows just as XXXX, it does not show VIRGINIA. However in the bill pay planning section it shows as XXXX, XXXX. I then contact the City of XXXX, VIRGINIA each time to confirm that they have received the payment and after confirming I go into the Truist Bank bill pay planning system and manually change the transactions from XXXX, NEBRASKA to XXXX, VIRGINIA. Ive been to a nearby Truist Bank branch three times and have lost count of the number of times Ive been on the phone, getting transferred around trying to resolve the issue. There have been two different service requests created ( ticket # XXXX and ticket # XXXX ) to fix the issue. I just paid my quarterly property tax XX/XX/XXXX and the problem still exists. This has been going on for a year now. Dealing with customer service at Truist Bank has been an exercise in frustration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23518
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Truist bank closed my accounts and stated that it was closed for fraudulent activity I just opened the accounts and were transferring funds from. My previous institution I went to there local XXXX XXXX branch in pa and recieved no help I was given a false customer service resolution information to the department that was suppose to help me I was profiled with an attitude and an eye roll and was talked about as soon as I left the branch I had a family member also in the brands.. When I asked about my funds when I. Reach a supervisor I was told I dont know when youll receive your funds. I recieved no documents from the branch either. They said there was nothing they could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I deposited {$3800.00} on XX/XX/2023. I get holds happen, it is for the purpose a very large checks that are presented, but an 8 day hold and for the entire amount which will negatively impact my account for other items presented, is overkill. I thought, at the very least, the first {$100.00} or {$500.00} was made for immediate use, but no, that wouldn't be the Truist way, they take the entire and report that my account balance is way higher than presented to be. This is shameful and personally embarrassing. What am I to tell everyone? My bank played Big daddy and tell me I am not entitled my money because they feel it belongs to them?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I made a deposit of XXXX, on XX/XX/XXXX I made another deposit for XXXX. Both deposits were held for 9 days and 10 days, none of the funds are currently available. I made another deposit on XX/XX/XXXX for XXXX, funds are still not available. Bank has refused access to my funds, barred me from entering a bank to make a withdrawal and have said they are closing my account in XXXX. My account balance was over XXXX on XXXX, yet my available balance on XXXX is showing XXXX, so I still have no access to my funds for paying bills or withdrawal. I want to withdraw my available balance and they are not allowing me access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid my credit card and it went thru then the next day it didnt so I paid it again, on Monday, I had a negative balance because there was a duplicat transfer, when I filed a claim they said they would resolve it by making a reversal and send me the money back into my account and that didnt happen. So I called the fraud department and they filed it again causing them to reverse both payments which caused my credit card balance to go up to an amount which is not my max limit : my limit is XXXX and now its {$3000.00}, as if I never paid for my card and now its due soon and they still havent send me a check and I spoke with the bank and nothing is being done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27606
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A