Date Received: 2023-03-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Was running a little low going into the week of XX/XX/XXXX. Knowing pay day was coming XX/XX/XXXX, we logged into Truist app and turned overdraft protection on for our Checking account. The Truist Credit card used for this protection had {$900.00} credit available and in good standing. Just paid an {$89.00} annual fee on it. Next day, we get hit with an overdraft fee as the electric bill auto drafted. Next day the phone bill drafted and insurance payment so two more overdraft fees posted. Went by the XXXX, VA branch and the teller XXXX apologized and fixed it in their system. Next day we get hit with two more overdraft fees for more bills being auto drafted. We were paid and now have a good margin in account but called Truist today to ask they fix the issue and credit 5 overdraft fees of {$36.00} dollars. You can request the recording of the phone conversation today at XXXX XXXX - XXXX XXXX XXXX. The representative today on the phone offered a courtesy of {$72.00} dollars as the credit card team told her theres a 7-10 day wait period to tie accounts to each other. She could not credit the entire {$180.00} after I asked several times. I let her know we would file with the CFPB but I was willing to speak to a manger. Im not sure she understood what I was asking. The app did not disclose this wait time to us, neither did the teller at the bank. Both accounts in good standing. We ask Truist to credit these 5 fees immediately. We will be looking for a new bank if not. Sincerely, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Truist Bank continued to charge XXXX XXXX monthly fee since XX/XX/XXXX to my checking account, until the balance went to XXXX, then they started to charge overdraft fee, and finally they started to collect the money total at {$79.00}. I was not aware this until I received their collection letter because my account was initially opened with XXXX XXXX, then XXXX XXXX sold it to XXXX XXXX XXXX XXXX, then sold to Truist Bank. I called the Truist Bank and they offered a settlement of this debt. In their letter dated on XX/XX/XXXX, they state " Truist Bank, formally known as Branch Banking and Trust Company is willing to accept a settlement of {$59.00} ''. On XX/XX/XXXX, I sent a check of {$59.00} to Truist Recovery Department listed on their Settlement Letter. However, on XX/XX/XXXX, Truist Bank Default Recovery Department sent me a letter asking to pay again the Balance {$79.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75205
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: So about 3- 4 months ago a little bit before XXXX i opened up an account with truist. The day i opened it i gave them my check and everything seemed to be fine. They said my debit card would be coming in the mail soon so i said great. I didn't have my phone when i was there so i had to log into my bank account on my mother 's phone so when i got home i tried logging in on mine. I must've got the password wrong cause it locked me out but then i remember either changing my password again or remembering the right one and it worked. Next day was locked out again and tried calling on the phone to get it unlocked and they said my account was locked due to fraud. Day 4 or 5 i get a letter in the mail saying my account has been closed and a check will be sent in the next week and if not to go to my local truist and get my funds. Four months later they've been giving me the run around back n forth with i have to go to the bank or the bank tells me to call. Finally a banker helped me n we sat on the phone with the main people who run the fraud services and basically what he told me was they have so many fraud cases and even though they've revived my case thet still can't give me my money. It's been four months and they can't even tell me when ill get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My account was always on autopay. The sole purpose of establishing autopay is so that payments are always drafted on time. My account is being reported as late in XXXX of XXXX. I went on line to make that payment and the system prompted me that autopay was on and this would result in 2 payments. Therefore, I did not process a manual payment. The autopay did not go through, and I was reported as late. While it is my responsibility to make sure the payments are made, it is Lightsreams responsibility to have accurate information on the online portal. I want the payment to be reported as on time since it was 100 % not an error on my part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24018
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dear Team, I recently fell a bad victim of a really bad crypto scam. I lost $ XXXX in this scam and Im really devastated. I couldnt spot the red flags because the website seemed really legitimate and I thought the person is really helping me with the real profit. It was a Ponzo scheme. Here is the link to the fake website : XXXX XXXX XXXX My funds sent to XXXX were part of a cryptocurrency scam.I found out I was scammed 5 days ago when I was unable to withdraw my funds. After several days of investigation, I found evidence indicating the platform is a scam, along with other victims who had similar experiences. I tracked the downstream wallet, which was reported multiple times for fraud. XXXX ignored the fraud reports and did not do anything to investigate and/or freeze the fraud wallet. I have reached out to XXXX for assistance but they did not claim any responsibility. I did not receive the service or protection that was promised or described by them in fact they have a big loophole that enables scam platforms to launder money and steal funds from customers. They are complicit in fraudulent practices and did not have any safety precautions in place to protect myself and others from similar scams. My funds sent to them from my account should be investigated and refunded from them. I need assistance at this difficult time. My police case is in progress as well. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2023-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have my bank account with Truist Bank, and they recently came out with an account that charges no overdraft fees. I have called them two different times they have confirmed on a recorded line that the account has been converted and that I wouldnt be receiving overdraft fees, the first one took place roughly about three months ago another call last month and here I am today still getting charged overdraft fees and them telling me they cant help me with anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33172
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have already filed a complaint with XXXX regarding a loan made to my wife and I that was not what we asked for or was explained properly by a Truist rep. Truist has responded to the first complaint but referred me to the agreement we signed saying we could have changed from a variable rate to a fixed rate at any withdrawal. The problem is that reading that would not have meant anything to us because we told Truist that we wanted a fixed rate for the entire life of the loan. We firmly advised them we did not want any variable rates. As stated already we have never had variable rate loans, even with Truist. We were told since we picked the fixed rate there should not be any problem. Because Truist took out more money than they should have, it caused other bills of ours to not get paid. When we discovered that we called the creditors to pay, everyone charged us a late fee. So the Truist response does not address to the issue. If they could not guarantee that any part of our loan could be subject to a variable rate, they should have told us. They are taking XXXX responsibility. We were told we had a fixed rate. They lied or their rep was grossly negligent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In accordance with the Fair Credit Reporting Act, the company listed has violated my federally protected consumer rights to privacy. XXXX XXXX, XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My initial claim was started on Friday, XX/XX/2021 by my bank with the fraud department. I started my own investigation and called XXXX XXXX Illinois and spoke with XXXX a specialist he was able to pull up the account in question by my social. But the email account, debit card on file and phone number did not match. The acct number he gave me for reference was XXXX. He stated he would send a request to their fraud department. From that day forward I called my bank fraud department. Had email exchanges with a fraud specialist with no resolution. Apparently the initial transaction started in XX/XX/2021. The debit name on my account was from XXXX XXXX {$210.00} and was taken out about XXXX of each month. My bank, Truist, stated that the license, signature and information they found was not a match to mine but still no resolution. I even filed with the police and they ran into a dead end. I checked my creditwise account and found phone number, and address in XXXX, IL that was added.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 466XX
Submitted Via: Web
Date Sent: 2023-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-30
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX had XXXX issues, before my husband knew this he tried to send me {$400.00} via his bank WE financial. I received an email from XXXX that the deposit never made it to me and to have my husband re-send the transaction. However the {$400.00} left my husbands WE account, and never made it to my XXXX account and he has yet to have the funds return to his WE account. Weve called both banks after waiting to see if money will return to his account automatically and been getting nothing but the run around starting XXXX WE told him XXXX has the money and for me to call my bank. Called my bank they said no WE has the money. XX/XX/XXXX called both banks again. This time WE advise my husband he needed to wait 14 business days from XXXX and the money will be back. XX/XX/XXXX still no money so he went to WE branch. WE tells him, XXXX is supposed to give the money back that was the agreement between XXXX and other banks for the XXXX incident. XX/XX/XXXX we go to XXXX branch, they advise no, all my husband needs to do is file a dispute with WE cause WE has the money. We immediately left XXXX and drove to WE, what did WE say. XXXX has the money, they are aware and that all we can do is sit and wait for it to come back to us. This is getting beyond ridiculous all we want is the {$400.00} returned to his account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A