Date Received: 2023-03-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Regional Acceptance Corporation is making me liable for an account my father signed on an auto loan. I as XXXX XXXX XXXX did not signed a contract on XX/XX/2016. The contract the company sent back with the contract and signature, that is not my signature it is my fathers so I should not be liable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened checking account and enrolled in the Truist One Checking {$400.00} Offer XXXX XXXX XXXX at a Truist branch on XX/XX/XXXX. At that time I received an email saying " Thank you for enrolling in the Truist Truist One Checking {$400.00} Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' But after about one week before I made any direct deposit, I received such an email : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' In their website it shows " The checking account must be in good standing with a balance equal to or greater than {$0.00} at the time of qualification. The account was checked for qualification the week of XX/XX/XXXX. '' But at time I didn't enroll in the offer successfully so I don't think they need to check this part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78717
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: On XX/XX/XXXX, I contacted Lightstream ( Suntrust ) Via phone to have this loan not report on my consumer reports. They claimed they couldn't help me but according to LAW On my truth and lending DISCLOSURE, 15 US Code 6802b. I MUST have the opportunity to have any information not be disclosed on my consumer report. I WAS NOT GIVEN THIS OPPORTUNITY. As now it is XXXX and this is a detriment to my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX amounts of XXXX times XXXX and XXXX $ times XXXX and a XXXX XXXX of XXXX sometime during XX/XX/2023 and XXXX in the amount of XXXX $
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had my identity stolen and I have unauthorized and fraud and false information in my credit report and I need it removed from my credit report I have contacted the companys and they cant provide written documentation that I signed for any of the inquiries that is showing up 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: 75056
Submitted Via: Web
Date Sent: 2023-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Regional acceptance, XX/XX/2019, the car was an ex of mine who did not pay the car off because the engine went out and he did a voluntary repossession with out my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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: I paid off the loan, and actually overpaid the loan, with Sheffield within XXXX month of buying the trailer. They charged me {$37.00} for XXXX month of interest in a loan that had an annual rate of XXXX XXXX and will not refund the overpayment or give me the title. When I call, I'm transferred to multiple people and then put on hold for more than XXXX minutes at a time. They are not helpful and something's not right about this company. It's like pulling teeth to get to the right person or talk to anyone who can or will help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
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 and early morning on XX/XX/XXXX XXXX I paid for entry into the XXXX night club. The door charge that night was {$40.00}. I didn't have cash on hand so they allowed me to pay with my card. To my surprise the next day I found a charge of {$400.00} on my card. I sent a few messages to the business and they ignored me. I also called and no one has called me back to this day. I disputed this with my bank ( Truist ) and they denied my claim because I didn't have a receipt. I explained to them the situation and asked how would a receipt that would say {$400.00} fix this issue. I showed them additional proof which was in the form of flyers that said {$40.00} entry. My next point would be to say that I wasn't charge any taxes or tips on that fee which shows it was entry fee only. It is easy to make {$40.00} into {$400.00} in that atmosphere on the machine and I wasn't given a receipt. Truist has refused to look into this further and still hasn't given me a proper explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30038
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-29
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I requested a payoff on the loan on XX/XX/XXXX and received a payoff from XXXX good through XX/XX/XXXX with a daily per diem of {$.00}. The payoff quoted on XX/XX/XXXX was {$2400.00} good til XX/XX/XXXX with a daily per diem of {$.00}. The payoff was received by XXXX on XX/XX/XXXX in the amount of {$2400.00}. The account was actually over paid by {$1.00}. payoff good til XX/XX/XXXX and 6 days of interest since payoff received XX/XX/XXXX... the payoff would have been {$2400.00}. They collected {$18.00} in interest when payoff was received and as of XX/XX/XXXX still showed my balance due of {$570.00}? The total amount due shows as {$1100.00}, online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37803
Submitted Via: Web
Date Sent: 2023-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had a problem with making a payment to my Suntrust/Truist credit card. I made a payment to pay off my credit card from my US Postal Service Federal Credit Union checking account. At first my credit union accepted my payment dated for XX/XX/2023, but after I hit the submit button, I got a message that Truist could not accept my payment before XX/XX/2023. I checked each day with Truist and my payment wasn't posted. I called Truist several times at XXXX about this issue as my payment was never posted. I paid {$10000.00}. At times I waited on hold for over one hour before speaking to someone. I've talked to several people at Truist and have even used an email address I was given and to the present time the same problem exists. I even called my local branch at XXXX and never got an answer and despite leaving voice mail messages, my calls were never returned. Today, XX/XX/2023, I went into my local branch that is located at the XXXX XXXX in XXXX XXXX, MD. I didn't want to see a teller. I wanted to a clerk that would be sitting in a desk. I waited for 35 minutes until someone finally saw me. Her name was XXXX and she immediately copped an attitude with me. While I was trying to explain to her how I was treated and that I was upset about that, she kept looking at her phone and then the ceiling. When i told her that I didn't like the way that I was being treated and was considering taking my banking elsewhere, she told me that I could do what I wanted to. Now I am very angry. Despite being very agry, I was in no way abusive with any employee. I went into the managers office to explain how I was being treated. She accused me of copping an attitude with her clerk and told me not to come into her office upet. Her name was XXXX XXXX and based on the way she treated me, I don't believe she has the wherewithall to be a branch manager. To put it simply, I don't think that she knows how to treat people and neither does the clerk named XXXX. Perhaps they both should be replaced in their employment. I finally found a very nice lady named XXXX who helped me but neither one of us was able to get a final resolution from Truist. What is also very upsetting to me is that I have used my credit card for several cash advances and interest accrues every day that the credit card has not been paid off. Truist charges me interest daily, but refuses to accept my payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A