Date Received: 2023-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I created a recurring transfer to automatically pay my mortgage serviced by Truist via ACH on a monthly basis. I later attempted to cancel the recurring transfer at https : //bank.truist.com/web/tap/transfer/transferActivity so that I could make manual payments each month. Despite selecting " delete series '' to delete this recurring transfer ( multiple times ), the recurring transfer continues to re-populate and draft from my account each month. The net result is that there is no way to delete a recurring transfer via Truist 's web interface and Truist continues to ACH draft my account each month. In addition, upcoming ( scheduled ) ACH payments do not show up in the Account Overview @ https : //bank.truist.com/web/accounts/i/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
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: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX XXXX I purchased XXXX XXXX stream service on my truist bank credit card at the XXXX XXXX store on XXXX XXXX in XXXX Tennessee. On XX/XX/, I returned the box and canceled the service. I received receipt of the returned. The cost {$130.00} has been canceled from my XXXX account, but my truist bank credit card did not credit my account. I have sent cancelation letter to truist bank from my email sent by XXXX XXXX, print out of purchase., and another form showing canceled the next day. I also sent XXXX XXXX location and phone number where I made the purchase. All information was sent to email creditcard XXXX, bankcard XXXX and a fax number XXXXThe XXXX merchant ( store manager ) has compromised for further assistance on this matter. Everytime I call truist bank rep or manager, they tell me something different about the claim. They also keep giving me different claim number. These are the claim number for the same case. Claim number XXXX. Claim number XXXX XXXXXXXX. Claim number XXXX. All I want is for {$130.00} to be credit back to my credit card ending in XXXX. If you need more information, feel free to call me at XXXX. My name is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: To whom it concerns, I refinanced home mortgage from Suntrust ( Truist now after merger ) to other financial company at XX/XX/XXXX. I received disbursement check {$4300.00} and deposited at my checking account of XXXX XXXX Bank on XX/XX/XXXX, but was charged back on XX/XX/XXXX because of refer to maker reason. From XX/XX/XXXX to XX/XX/XXXX, I have talked numerous Truist client resolution representatives. And upon request from them, I submitted my bank checking account statement of chargeback to 3 different Truist representatives. Then XX/XX/XXXX I received a letter claiming that disbursement check was deposited at XXXX XXXX XXXX on XX/XX/XXXX. I don't have any account at XXXX XXXX XXXX. I submitted XXXX XXXX XXXXXXXX document showing no account under my social security number. I requested Fraud investigation to Truist and on XXXX Truist sent me a letter of investigation started and expected to complete in 30 days. My bank ( XXXX XXXX XXXX ) reached out to me about inquiry from Truist regarding disbursement check chargeback records and I granted XXXX XXXX to provide all necessary information. Since then I have not received any information of fraud investigation and I asked to different Truist client resolution representatives, but no response this year. These are Suntrust ( Truist ) mortgage account information XXXX XXXX XXXX XXXX And I received 2 case numbers ; XXXX and XXXX. I can not waste any more of time after 14 months of this. Thanks, 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: 22030
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: I have opened a credit card with sun trust bank on XXXX XXXX since that time I set auto pay so all my payment come out from my bank account with XXXX XXXXXXXX ending XXXXXXXX since the i never had a problem with late payment until Truist Bank purchased Sun Trust on XXXX never once i was informed that my auto pay would not migrate to the new Truist bank despite their claims that that they have informed me of their error. on three occasions they called me about late payments that were shorter than 30 days interestingly enough i made the payment over the phone and they had my XXXX XXXX information I thought it was strange that they had my XXXX XXXX info but they didn't use it for auto pay. Fast forward to XX/XX/ I got a message while I was overseas tending to a XXXX father that I was late. At first i was perplexed why are not using auto pay, so when I came back to the state i contacted the bank immediately to resolve the issue so on XX/XX/ I spoke with XXXX XXXX XXXX and explain the situation. XXXX XXXX assured me that it was a bank error and she also refunded the late fees however, she did nothing to correct the problem with the credit agencies. On XXXX XXXX I contacted the bank again this time i spoke with XXXX XXXX XXXX who also insisted that it was a bank error but referred me to her supervisor XXXX XXXX, XXXX XXXX assured me that XXXX bank will fix the problem with the credit agencies still no correction in fact the credit agencies validated the debt wich caused my credit score to drop by XXXX point causing me to lose a mortgage i was refinancing. To add insult to injury today I received a letter from a XXXX XXXX XXXX apologizing for the " frustration '' that the bank merger caused oh yes ruining my credit was merely a frustration to XXXX XXXX. Frankly his letter was despicable to say the least. To say I am a disappointed with a respectable bank 's action its an understatement. Three different bank employees on three different occasions admitted to the mistake including XXXX XXXX second paragraph. I feel that my rights under the fair credit act as well as the care act were violated by Truist bank and I am requesting that they correct their mistake ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2023-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, my car was broken into and my wallet stolen. I received a fraudulent text from Truist bank and replied NO to NOT authorize the transaction. Yet there were nearly XXXX $ of transactions that were attempted between my business and personal cards. Some transactions were denied on my personal account, but my business account was heavily used. There was a gas station amount for XXXX and a XXXX transaction for XXXX that were allowed to go through. After filing a claim with the bank ( XXXX hrs after the crime was done ) I then contacted the XXXX XXXX ( XXXX XXXX police department and filed a report with them. The police have the suspect and WILL be pressing charges. Yet Truist bank sent me a letter saying my claim was denied and I authorized the transactions. I did no such thing, and they found the person who broke into my car and took my wallet. I am dumbfounded how the police has the perpetrator yet the bank is denying the charge. How is that even possible? I was at home sleeping and have ring camera footage that I was home during the transaction period and the police have footage of the suspect in the merchants using my card UNAUTHORIZED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
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: On XXXX XXXX I paid off an auto loan for a XXXX XXXX XXXXXXXX in the amount of {$17000.00}. I called Truist the next day on XX/XX/XXXX, and a formal complaint was issued to request a paid in full letter. I have since talked to the company twice via phone on XX/XX/XXXX & XX/XX/XXXX and twice via the online question center requesting a digital emailed copy of the paid in full letter. I have also been experiencing problems logging into my online portal. I frequently get automatically timed out when I submit my login information. If ... I am able to login, all of the payment receipts, statements, and even account information have been removed. The customer service representatives have submitted formal complaints requesting the paid in full letter, but blame the " back office '' for neglecting their job and tell me to call back in a few days to see if it has been posted to my account. In the meantime, the {$17000.00} was approve and cleared by my bank XXXX XXXX on XX/XX/XXXX. I was told by the customer service rep that I should have received a emailed & mailed receipt after the payment to which I received neither. The last form of communication i received from Truist was on XXXX XX/XX/XXXX in the form of a digital statement. As with the for mentioned example, I have not received in information on the title transfer from Truist to myself. My personal property is being held by the Truist Company with no representative having a clue of how to competently handle the situation or to which steps should be taken to get both the " paid in full letter '' or the " Title Transfer ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I started seeing inquiries on my credit report that I dont recall making
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: The Truist Visa card has only been opened a very short time. In this time though there has been many problems regarding the flow of charges on the card. There are often several charges for the same charge even after cleared the same charge doesn't clear in the pending and status remains on the info I see online. This is also a problem experienced several times when shopping where the cashier returns my card and said it was declined although it should not be. Every week there are double or triple purchases and refunds pending on the card and it doesn't consistently stay accurate to the spending and refunds only for how this card is being used. This is troubling and needs attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited an endorsed check in the month of XX/XX/2022 that was specifically signed over to me by my associates reason being them not having an account or ids to be able to cash their check. So they signed the check over to me and we all agreed that I should pay them the money for the check while I waited for it to be available. So I agreed and the check was processed and deposited into my account but my bank for some reason has had my account on hold since then and Ive been unable to access my funds. Ive made countless phone calls and was asked to bring 2 forms of id to verify myself. I did that and was told will be able to access my funds in 48hrs, so 48hrs later Im still unable to access my funds so I called again and they requested I came into a branch. Now this branch that I went to located in XXXX XXXX XXXXXXXX Maryland. The employee that assisted me was extremely rude and distasteful for no apparent reason but had a completely different attitude with the Caucasian gentleman who was ahead of me. I was then required to bring in the individuals whos names happened to be on the check which happens to be quite impossible for me to do because I cant seem to get a hold of them. Besides this is just unnecessary because my account was funded the money with no issues and its been available for me to use but the hold on my account seems to impede my access. Its been over 7months now and everything month I get a bank statement from Truist bank & I see a monthly fee of {$20.00} being taken from my account but I cant access it. I feel as tho TRUIST BANK is taking advantage of its minority customers. Theres no reason why my account is being placed on hold for as long as its been over half a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20706
Submitted Via: Web
Date Sent: 2023-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX un authorized hard inquiry on my report. Regional Acceptance XXXX XXXX XXXX XXXX XXXX XXXX NC XXXXUN Authorized hard inquiry on my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXX. UN Authorized hard inquiryon XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ks, XXXX. UN Authorized Hard inquiry on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A