Date Received: 2023-03-24
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: After our second CFPB complaint filed on XX/XX/XXXX I myself have recevied a response finally ( attached letter from Suntrust/Truist ) however our attorney received the offical Vailidaiton of Debt ( attached ) on XX/XX/XXXX. In writing Suntrust/Truist is stating they never received our demand for validation of debt on the multiple request sent to their address shown on ( MY CREDIT REPORT ). This means regarless of sending it to the address they put on my credit report they've conveniently denied receiving any legal communication since XX/XX/XXXX from us and our legal representation. Clearly we also didnt receive any of Suntrust/Truist 's commuication to collect a debt due to them sending their mail to the wrong address to us which I am glad that we've received the requested after 7 months to our correct address. Now that we have received what has been demanded for months with the help of the CFPB Suntrust/Truist is still in violation of FDCPA 809 which requires a response from them within 30 days and as you can see here at least 4 violations. Which they denied receiving our letter even though sent to their address published on our credit report. Furthermore, the fact that FDCPA 807 ( 8 ) has been violated multiple times still with our proof ( attached ) from my credit reports to where Suntrust/Truist Bank has still failed to enter a notice of dispute at any time which is required by federal law. Each of the above times we disputed they didnt enter a notice of dispute and along with the recent time through this CFPB platform on XX/XX/XXXX which they began a reply on XX/XX/XXXX and replied through this platform on XX/XX/XXXX which they did reply to the CFPB but not to us. Since they failed to enter a notice of dispute FDCPA 807 ( 8 ) has been violated multiple times. How many times are we going to allow this to happen without holding Suntrust/Truist Bank accountable to these violations? In their communication they have failed to address their violations of FDCPA 807 ( 8 )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2023-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-23
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 need help with a loan that I have with Truist. Truist has been an absolute NIGHTMARE to deal with. I called customer service and got passed around from department to department just to get disconnected 5 different times! The branch leader in XXXX XXXX, XXXX XXXX, has been a nightmare to deal with too and worthless. Ive gone to see him 3 times in the past week because he never answers the phone, calls me back, or responds to email. Ive filed a complaint with customer service and was told Id be given a call this morning, and have yet to hear anything. Ive been trying to reach XXXX XXXX since last Thursday and have had to come in every time because I cant get him to respond to calls or email. My truck was stolen and I received an insurance payout and they sent a check for the remainder to Truist last month, so I didnt make a car payment. Then I got hit with a late fee for not paying. So I called to ask what the reason was and was told you Truist couldnt cash the check and I needed to go to my local branch. I go to my local branch and am told the title wasnt perfected because Truist was never listed as the lien. Ive had the truck for over 5 years and Truist was never on the Lien!!! Thats on Truist not me! So then I was told to go to the DMV and have them add you as the lien. Well the DMV tells me they cant give out a duplicate title for a stolen vehicle and that the only way would be to get the stolen status lifted which there is no way in hell the police are going to do during an ongoing investigation. And Ive contacted Truist over and over, and stopped by numerous times and no one can help me figure it out. I swear to God Truist better make sure that my credit score is not effected. As of now they have crushed my credit and I demand they do whatever it takes to get it back to the deserved credit score as well as cash the damn check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2023-03-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Truist has once again charged me an overdraft fee even though I have overdraft protection turned off. Instead of declining the charge, they accepted it and charged me {$36.00}. I have addressed this pattern of junk fees in multiple complaints. None of those complaints have been addressed satisfactorily. In the last company response, they used account info that was not in line with the information provided through my banking portal. I am accusing Truist of charging junk fees, which have been deemed illegal. Until this matter is properly investigated by an outside source and not a dishonest Truist representative, I will continue to file complaints as I am being continually lied to. They are purposely manipulating pending charges on customers ' bank accounts in order to charge their customers more junk overdraft fees. I believe an investigation into this practice is merited and if there is an investigation, you will find a policy or culture of applying junk fees to the most vulnerable of their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12866
Submitted Via: Web
Date Sent: 2023-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or about XX/XX/ we recieved a letter from truist mortage saying that they had bought our loan from plant homes. The letter came a month or so after payment was due never knowing the loan was bought out they said we where a month behind, they sent packets 4 times which we filled out 4 times asking if we could defer the one loan payment until the end of the note and set up direct withdraw and nobody will get back to help us.. its ruining my credit it wasnt proper communicated to us because notification was over a month late. Their failure to communicate with us shouldnt make it a emergancy on our end.. please call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 748XX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Notice to Agent is Notice to Principal. Notice to Principal is Notice to Agent. Silence is acquiescence. Acquiescence is estoppel. Re : Unauthorized Transactions [ Account Number : XXXX ] Ref : ( Claim No : XXXX ) On XX/XX/2023 I notified TRUIST of several unauthorized transactions that appeared on my account which caused several overdraft fees to be charged to my account. TRUIST has charged several fraudulent and invalidated overdraft fees to my account. First, on XX/XX/2023 I was incorrectly charged an overdraft fee of {$36.00} for a {$50.00} XXXX XXXX* transaction which brought my account balance to - {$12.00} when my account balance was actually {$73.00} on XX/XX/2023 which means my account balance should have been {$23.00} after the {$50.00} XXXX XXXX* transaction and an overdraft fee should not have been charged to my account. On XX/XX/2023 my account was charged another {$36.00} overdraft fee for an unauthorized transaction of {$37.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged two ( 2 ) overdraft fees of {$36.00} each for one ( 1 ) unauthorized transaction of {$21.00} from XXXX XXXX XXXX On XX/XX/2023 my account was charged another overdraft fee of {$36.00} for an unauthorized transaction of {$10.00} from XXXX XXXX XXXX Around XX/XX/2023, I reached out to the merchants to inform them of the unauthorized transactions charged to my account and requested a refund. On XX/XX/2023 I received a refund to my account for the unauthorized transaction from XXXX XXXX for {$21.00} and I haven't heard anything back yet from the other 2 merchants. TRUIST has refused to refund me the two ( 2 ) overdraft fees caused by this unauthorized transaction on XX/XX/2023 from XXXX XXXX XXXX I received notice from TRUIST on XX/XX/2023 stating they would not refund my account for the unauthorized transactions and the erroneous overdraft fees that were charged to my account. TRUIST has breached their fiduciary responsibility with the servicing of my account and has extorted funds from me for erroneous overdraft fees and unauthorized transactions which is a violation of my rights under The Color Of Law and a violation of the Electronic Funds Transfer Act 15 U.S.C. 1693.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07011
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is associated with a payment that was not applied against my loan balance for my auto loan. The loan is held with Truist Financial Corporation of XXXX, XXXX. Working through the dealer where the car was purchased, we cancelled the extended warranty that was purchased with the vehicle. On XX/XX/2022 a check for {$1700.00} was provided to Truist by the dealer, XXXX XXXX of XXXX, XXXX. On XX/XX/2022 Truist cashed the check ( we have a copy of the cached check ) but neglected to apply the monies against the loan balance. Several calls into Truist were not able to resolve the issue. The issue was escalated multiple times to the Truist back office. No updates or progress despite Truist having the funds for over 3 months. We are asking assistance in having Truist apply the monies to the outstanding loan amount and would also like reconciliation regarding the interest paid on this amount for the last 3 months. Reference # : XXXX Account Number : XXXX Account Owner : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I am a home owner, and rented part of my house to a tenant from XX/XX/XXXX to XX/XX/XXXX. my tenant unable to pay the rent from XX/XX/XXXX to XX/XX/XXXX and because of federal government mandate I didn't evict my tenant. we both file for rent subsidy with broward emergency rental assistance. The tenant left after the lease expired and on XX/XX/XXXX I call the emergency rental assistance and they said my tenant didn't submit requested documents. I try to reach my tenant and unable to reach him. i apply to XXXX. and they said unable to help me.. they ask me to contact a councilor office, and i submit the form, unfortunately no response from them as well. I just follow the federal government mandate, and now I am in financial trouble. I would appreciate if your office could guide me whom I should reach out to submit my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2023-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Complaint : - Period between XX/XX/2023 - XX/XX/2023 ; I had XXXX fraudulent charges range {$0.00} - {$2900.00} totaling {$10000.00}. I got {$6700.00} reimbursed, and {$3200.00} was never credited back to me. THIS IS WHAT IS MISSING XXXX I have looked into the Fraud Charges on : - DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} DEBIT On XX/XX/2023 {$1000.00} and {$2100.00} HOWEVER, I WAS CREDITED FOR XX/XX/2023 FOR XXXX and {$2100.00} AND NO CREDIT FOR XX/XX/2023 FOR {$1000.00} AND XXXX TOTAL {$3200.00} Background : - I was never notified of these fraudulent charges and I called the bank on XX/XX/2023 to report. The bank acknowledged the problem and did not give me any explanation who used it, and why I did not get notified of fraudulent activity. For example, if I purchased anything by website, then I get notified by email that " CARD NOT PRESENT. '' This is the way Truist Bank always tells me. For the above XXXX transactions NO such notification was given. Proof : - see statement attached I have called and called, visited Truist Bank Braches and no one has given me any resolution. NOTHING in writing, why {$3200.00} not given credit. Whenever I call the XXXX and you get to the part " push if you already have a pending dispute '' THEY HANG UP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32259
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/2023 I went in person to Truist Bank to verify my identity & open a new account. I made a XXXX transfer of {$100.00} from my XXXX account to the Truist checking account on the same date & 2 mobile deposits on the XXXX XXXX XXXX ; one deposit of {$500.00} to the savings, one deposit of {$500.00} to the savings. My account was marked for fraud & closed. I talked on the phone from XXXX CST to resolve the problem & was denied access to reopen my account & haven't been told where my deposits would go. This definitely is starting to feel like a problem with my ethnic/national/hereditary background. I need help with this matter as I am experiencing discrimination without cause or merit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: since XXXX cosigns these companies then XXXX should step in a moderate the situation when their logo is on these cards and their websites states they will stand behind the merchant withe their 0 day liability policy then they need to put these cosigns into action i have truist and wisely issue... two issues and i have wrote to the companies already and truist nor wisely have not responded wisely dont even give u a email I was given the a wisely card on XXXX card # XXXX, when I tried to activate it, I was unable to because they said the card was already deactivated and this was my first check with this company which has caused me not to go back to work until this is corrected my insurance has cancelled, and the agents are not notifying me how to correctly file a dispute actually they are doing everything but tell me the correct steps to take to file a dispute. Because I am missing {$170.00} dollars and I need a XXXX XXXX XXXX was already 4 days late then and now I have waited an additional 5 days yet your policy states that I should not have to wait while this is being investigated nor should I have to wait when visa has it 0 days liability ... I filed a dispute with wisely and also put in for a XXXX XXXX but if was also told that I would receive notification pertaining to a dispute and XXXX XXXX within 1 to 2 days, this was done on XXXX XXXXand a have bills that are due and I hope this can be corrected if not I am going to notify your bank 's regulators and every complaint I can about this issue... There are multiple errors on account from XXXX to XXXX. Never made a {$300.00} transaction, because I never received a card to make transactions from the XXXX accounts from which the account was a promo that I was to receive {$200.00} credit after direct deposit never received the {$200.00} for opening up the account after direct deposit. Merchants issues with refunds over {$500.00} in refund after account was closed on XXXX, was told account would be credited, never even received notification that the refund came to account kept being told merchant has the refunds, who was XXXX, they refused to check XXXX number, refunds should have been refunded to me instead they were distributed to collections for an account I never received any information that I owed for an account from 8 years ago, was even allowed to open several accounts with truist also truist is charging me for declined transactions with debit card {$36.00} a piece. Over {$300.00} in declined purchases never had overdraft. Many disputes were denied that should have been approved, also had XXXX told Truist I didnt have them as an insurance company truist still allowed XXXX to take my money in a recuring charge all year XXXX and I paid 2 insurance companies because they refused to dispute it, just as they refused to dispute a lot of fraudulent transactions at atm and online. Truist owes me from XXXX to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2023-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A