Date Received: 2023-04-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I called in about my account because I made two transfers on XX/XX/23 using XXXX, which show received but have not been made a viable, to my Truist account and the representative refused to speak with me claiming I did not have the ownership type needed. I am a joint owner and my name is on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
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: Truist bank is now holding all checks i deposit for atleast 10 days even a {$2900.00} check. I currently have a check for {$5800.00} they are trying to hold until XX/XX/2026. I have called multiple times local and corporate I have been in office and no one will fix it. It is becoming a hassle to bank with them when they are literally holding every dollar i deposit they are currently holding {$8900.00} of my money for no reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am writing to you because I was in a car accident on XX/XX/XXXX. I had a loan through Truist. XXXX XXXX paid over XXXX and gap was to pay the rest. I checked daily to see if they check was received. Once the check was posted it left a balance of a little over XXXX. I was then told by gap that the moment I made the report to Truist, they should have immediately called the warranty company for the warranty portion of the check. I took it upon myself to call and they immediately issused a check to Truist. The check is attached. Truist said it was sent to the wrong department and they would have to located it. This took 2.5 months. On XX/XX/XXXX, I contacted Truist again because after issuing me a check for the overage, which is approximately XXXX short, I am still documented as late paying ; now three months behind. Once they saw the date on the check, the fair and courteous thing to do was to remove the late payment off of my credit. Attached is the copy of the check and date XX/XX/2023. The check was sent out same day as printed. I asked the credit department to remove the late payment from my credit history and they denied my request. I was never late paying them and think it's a small gesture to have this removed from my credit history. In seven years, this will be removed from my credit report, but the damage will never be forgotten. The check was written and sent out on XX/XX/XXXX, but they didn't credit it to me until XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28352
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are two ( 2 ) accounts on my credit report for auto loans that I did not authorize & I would like investigated, & removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11212
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 with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had a account closed back in XXXX and there just holding my money at the bank for no reason they keep telling me that they can't release my money for no reason they say it's because of they XXXX has hold on my money but when I call to talk to them they say its not them it's truist bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33603
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a XXXX XXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a Notice of Service Transfer for my home mortgage from XXXX XXXX to Truist Mortgage in XX/XX/XXXX with an effective date of XX/XX/XXXX. I began monthly payments ( principal, interest and ESCROW ) to Truist Mortgage on XX/XX/XXXX. A XX/XX/XXXX statement from XXXX showed a payment of {$2200.00} for COUNTY Tax was issued in XXXX, XXXX. This amount was short of the TOTAL County Property Tax ( XXXX XXXX, GA ) issued in XX/XX/XXXX for {$2500.00}. I believe the check of {$2200.00} was issued to TRUIST from XXXX for the Escrow months of XXXX XXXX and that the remaining balance ( + {$310.00} ) to be paid from XX/XX/XXXX escrow at Truist Mortgage XXXX On XX/XX/XXXX, I received a PAST DUE Property Tax bill from XXXX XXXX, including late fees. I contacted Truist Mortgage Tax department on XX/XX/XXXX. Their records indicated that a " check was issued '' in XX/XX/XXXX in the amount of {$2200.00} but had no other information... who sent the check, was it cashed, etc. The Customer Service Rep opened an inquiry on my behalf. I never received a response regarding this inquiry so I followed up with Truist Tax Dept on XX/XX/XXXX. The Customer Service Rep indicated that a NEW check has been requested but not processed. Also, there was NO information regarding the status of the original check and why after almost 4 months since the transfer of my mortgage to Truist. A Complaint was filed with the XXXX XXXX XXXX on XX/XX/XXXX and a Representative from Truist reached out to me on XX/XX/XXXX. XXXX XXXX indicated a Case was " opened '' and it would take at least 1 week to review. This timeline is NOT acceptable as I made TRUIST aware of non-payment of by County Tax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. This Property Tax bill should have been paid by TRUIST on XX/XX/XXXX. TRUIST Mortgage has mishandled and misappropriated funds in my Escrow account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: The gift cards were purchased at a XXXX grocery store in XXXX XXXX, XXXX XXXX, PA. The cards in question were issued by BB & T bank. This bank merged with SunTrust and is now called Truist. I got the cards during the pandemic and just found them this past weekend. Both cost {$100.00} as they charged {$3.00} for the card. I never activated the card as the little sticker on the front of the card said to do. I called the number on the back of the card XXXX and the man said the card is only worth {$49.00} as of XX/XX/XXXX. They have been taking out a dormancy fee of {$3.00} per month for 17 months even though I never activated the card. I called the XXXX number and they said to call Truist. I called them today and alas they said they have no record of any such cards! I asked who was getting the {$3.00} per month and she was at a loss for an answer. The expiration date for the cards is XX/XX/XXXX! The cards were issued by BB & T and are numbered as follows : XXXX XXXX Truist denies these cards exist! If that is true how did they charge {$3.00} a month? Someone is getting the money on the falsity of dormancy. I am a senior citizen and this needs to be addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89052
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am in the process of removing PMI. As instructed by Truist. I started this process in XX/XX/XXXX and ( all in the company records and my recorded calls ) have sent multiple checks to have my house appraised. Every time I call the customer service rep gives me conflicting information. On my last call in XXXX, I was assured that they had my check and that the appraiser would be calling to set up the appointment within 120 days. Now it's XX/XX/XXXX and I called again this morning to get an update and the customer service rep is stating that I have not even started the process and need to mail a check to the same address I've already sent 2 checks to. I refused to mail a 3rd because this is outrageous after all the records they have of me going through THEIR process and following THEIR instructions. Again I started this process in XXXX of XXXX and it's now XX/XX/XXXX with them stating I need to start all over. The calls are all recorded, I've been told so much different information at this point I only want to speak with a manager and have still never received a call from anyone. I feel like I am getting the runaround and being lied to. I am trying to just follow their steps yet they fail to make sense and provide support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are inquiries on my credit report that I did not authorize or know anything about. Most of the companies I never heard of. On XX/XX/XXXX I called all companies to ask about the inquiry on my credit reports and they stated that they did not have me in the system and that I was not a client or customer of theirs. I asked for a written form in the mail stating so and they would not comply. I then called XXXX and told them about the issue at hand. They told me that they will submit my complaints in and to wait 30 days for a response but I havent received one. Fast forward to today XX/XX/XXXX I decided to call XXXX again and they couldnt help me so they referred me to CFPB. I first called CFPB at XXXX spoke to the representative and told her what the issue was. As soon as I stated the issue, the rep hung up on me. I say that she ended the call purposely because I provided her with a call back number in case we get disconnected and she never called back. DATE : XX/XX/XXXX COMPANIES : XXXX XXXX XXXX Truist 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: TX
Zip: 77056
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A