Date Received: 2023-03-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: I sent {$200.00} through XXXX from my personal account with Truist on XX/XX/23. The scam was facilitated by XXXX XXXX and emails on XX/XX/23 from XXXX ( confirmed not XXXX ) stating I needed to reimburse the buyer who had bought a wallet and I have already shipped ( paid for shipping of {$13.00} ). The funds would be released in XXXX once the {$200.00} was received. I have no transactions in XXXX ( verified by XXXX ) and the money is out of my checking account to XXXX XXXX - XXXX in XXXX. The XXXX XXXXXXXX buyer is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX PA XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After significant renovations to our home, we contacted Truist to remove the PMI in XX/XX/XXXX. After 7 months of back and forth with them, they approved this ( attached ) on XX/XX/XXXX. However, they are still charging us PMI, and have doubled the PMI premium going forward on the latest statement ( attached ). After phoning and getting no solid response nor timeframe to get this resolved ( and being cut-off again ), we are now trying to get this resolved by contacting the CFPB- as we are not willing to wait another year before they eventually agree / answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I visiteXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL Truist location to pay some bills. I have been in the location a total of 3 times. I was given a document by XXXX I believe to be forged by the employees at said Truist. The document stated that they were going to trespass me because of my behavior at the branch. I can no longer go into the branch to pay my bills. I believe I am being discriminated against due to my veterans and XXXX status. I have never been rude, threatened anyone, nor even said a cross word while in the location. I called and spoke with customer service over the phone and there were NO annotations in my account as to any negative remarks or mention of the letter in any of my accounts. I asked for both the regional manager 's number and the number of the individual who wrote the letter from corporate security and both of which I was refused. The individual who forged the document needs to be terminated and possibly prosecuted for forgery of bank documents. I would caution anyone who is contemplating banking here against it if the employees at this branch are willing to type letters stating they are from corporate security yet corporate has no documentation of the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I was billed an {$89.00} annual fee on XX/XX/XXXX. Now 4 months later they billed me another annual fee in XXXX. I want it refunded!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32824
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Account was closed after I was scammed with a bad check. Was told that my funds would be mailed via check and not to go into a branch. 2 weeks later, I still have not received my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27804
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: i used my debit card at truist bank to enquire about my account ballance with another bank 3 times in 1 week. i was never imformed that there was a fee involved {$2.00} for the transaction. if ever i requested money from a atm that was not my bank i have always been imformed that there would be a fee and do i agree to that fee, but in these three cases i was never imformed of an inquire fee and i think that they took my money without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30533
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Truist online a month or so ago, I noticed that I was unable use my debit card and went into the bank to inquires to why. The banker informed me that there was suspected fraudulent activity and that they were in the process of losing all of the accounts. The issue is that I had gotten my first paycheck deposited into the account that morning. The banker kept my debit card and said they could not disperse any of my funds. I have had no money at all for going on a week. I called and went into several different location and can not get a clear answer about anything, most importantly, when I an have my money. I have been told that they sent am email to the department that closes accounts and that it takes up to 48 hours for a response, I called after two days and was told to all again after 24 hours. A this rate I am concerned that it will be weeks before I will see any funds that I worked hard for all of the charge on the accounts an deposits have cleared with no issues and I can not understand why I can not access MY money. I don't like getting the run around and I also can not understand why I ant get a single answer from anyone. I don't care that they're closing the accounts as Truist is clearly not a bank I need to be doing busyness with anyway, but I do care that I have no have money for gas, food, or bills. These are all things that are incredibly important and a massive stress has been placed on myself and my family because of this situation. they lure you in with the promise of a sign on bonus of up to {$400.00} but in return, this is actually what you're going to get.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28379
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX, XXXX Letter to Truist Bank XXXX XX/XX/XXXX to XXXX XXXX XXXX XXXX I am a victim of identity theft. The information listed below does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am requesting copies of the documents relating to fraudulent transactions made or accounts opened using my personal information. In XXXX I was a victim of identity theft and believe it may be the same person again using my information as I have also received letters from other creditors asking me to unfreeze my credit report. Please note I did not answer the previous notices from Truist Bank as I believed it to be a company trying to get me to call them in a ploy to scam me. After the multitude of notices being sent to me on XX/XX/XXXX, I called and spoke with XXXX at Truist Bank at XXXX and advised this was a fraudulent account. He directed me to call the Charge Off Department at XXXX, where I left a voice message stating that this was a fraudulent account. I thought the matter was settled as I did not receive a callback. Then I received another letter in the mail dated XX/XX/XXXX, that this was a final notice. I then called XXXX, per letter is Truist DDA Recovery Department. I spoke to XXXX XXXX, who advised that I would need to contact XXXX XXXX XXXX at XXXX, which I did and again left a voice message that this was a fraudulent account but received no call back. I then received a call from someone at XXXX XXXX XXXX at the end of XXXX ( I did not write down the date ) advising they were the collection agency, that I could file a dispute, and that they would be sending me a letter with the dispute information. Truist Bank Reference #, {$3500.00}. On XXXX XXXX I put a credit freeze on all credit bureaus ( despite this account no showing on my credit report ) and Filed an Identity Theft Report with the Federal Trade Commission XXXX I then received in the mail the week of XX/XX/XXXX, from Truist a request to 1 ) Complete a Truist Identity Theft Affidavit 2 ) return with a copy of a police report 3 ) my federally or state-issued ID 4 ) Proof of my residency. On XXXX XXXX Called Truist and spoke to XXXX- I asked what information was used to open this account and he advised my SSN. Asked if there was another address on file and he stated " No '', I asked where they sent the debit/credit card as I had not received one in the mail nor did I ever receive any bank statements, only overdrawn notices. He says no card was issued, so the person probably made all the transactions electronically. Also, on this date I received in a separate envelope copy of bank statements from XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX which had Withdrawals using XXXX to Multiple Named people as well as bill payments. I then called and left a voice mail for XXXX XXXX who was listed as Financial Crimes Case Analyst- XXXX to send me a copy of all the bank statements, Signature card, and picture ID used to Open this account so I could include it with my police report. On XX/XX/XXXX, received a return call from XXXX and she said she was unable to send me any of this information since I did not open the account??? and that there was no signature, or photo ID because the account was opened online. On XX/XX/XXXX, I went to the XXXX XXXX Police Dept to file a report and was advised that since it is an online crime It falls under the FBI 's jurisdiction and would need to file at IC3.gov. So, I filed a report and faxed it to XXXX @ XXXX with a letter attached stating the following : XXXX XXXX : Thank you for returning my call a few days ago. My attempt to file a police report with the XXXX XXXX Police Department resulted in me being told that since this crime was committed online the XXXX XXXX Police Department does not handle it as it is in the jurisdiction of the FBI IC3 ( Internet Crime Complaint Center ). Attached you will find my FBI Complaint form. My request for a copy of all bank statements pertaining to this fraudulent account and a Signature Page and Photo Identification. Your response was that you could not supply me with bank statements since or if I did not open this account. Also, there was no signature page or photo identification required by Truist Bank to open this account since it was opened online. I Inquired with a XXXX XXXX Police Department Representative if this was legal and was told that providing proof of identity is at the discretion of the bank. It is very disturbing to know that banks are willing to allow this type of oversite. I would say that Truist Bank allowed itself to be scammed. Then expects innocent victims such as myself to jump through hoops, to prove the fraud when it all could have been avoided by simply asking for proof of identification. This situation has caused me lots of stress and many sleepless nights which causes my XXXX to flair up which results in aches and pains that dont go away easily. I ask you, to bring this to the attention of your employer because it could have been avoided if theyd simply asked for proof. Attached are the following : A copy of my Identity Theft Report. Federal Bureau of Investigation Complaint Form I truly appreciate the time you have contributed to working on this case and for listening to my rant. On XXXX I received a call from XXXX stating she needed a police report, and that the FBI report was not acceptable. She said she calledXXXX and was told the police report could be filed online. I proceeded online to file a report and again came to the statement that if the crime is an online crime it would have to be filed with the FBI. I even showed her that even if answered UNTRUTHFULLY there was no option to file an online crime. I faxed copies of all to XXXX on XX/XX/XXXX with the following note on the fax cover : ATTACHED : XXXX. NV Drivers license and Insurance Proof of Residency XXXX. Nevada Police Dept. Website screen print - Last section states report Internet Financial Crime to Internet Crime Compliant Center. 3. Step 1 - Sample of me trying to answer question ( not all true ) to get to the next step. There is no option for N/A and if answered truthfully results in a popup stating - Your answer indicates you are a victim of an internet crime. Please file a report at www.ic3.gov OR Your answer indicates the crime occurred outside our jurisdiction. Please contact the correct jurisdiction to file the report. 4. Step 2 of Police report answering Untruthfully - Incident Type- shows there is no option to file a financial crime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89131
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has a collection on my account they refuse to remove. this is no my account. i do not have a contract agreed to pay with my wet ink signature and they have no legal validation not verification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXo my knowledge , I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A