Date Received: 2023-03-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is a direct violation to 15 USC 1681n, 15 USC 1681o, 15 USC 1681e, 15 USC 1681a2b, and IRS Publication 4681. I have been disputing this fraudulent account for years and it has been extremely difficult, damaging and hurtful. Not only is this not my account all three bureaus have conflicting information from, account type, date opened, payment status, comments, and payment history. Because companies can not keep my information safe, I have been a victim of multiple breeches, fraud, and other identity violations. I have suffered, denial of credit, increased cost of credit like paying 159 % interest for a small personal loan, and lost opportunity to obtain credit. I have suffered damage to my personal and professional reputation, derogatory info sent to insurers, creditors, banks, and employers. I've also suffered damage to my reputation among my peers ; loss of financial independence ; loss of self-esteem, being personally violated, and continuous harassment and invasions of privacy. Not to mention the emotional distress, embarrassment, and frustration of being denied credit, having to explain errors on the credit report, knowing that false information is being reported, physical symptoms : headache, loss of sleep, XXXX, crying, irritable ; interference with normal and usual activities ( time spent trying to fix errors, get credit, review reports, interference with work, distracted, inability to concentrate. ) I am currently trying to get a new job and a new home, and this has come up yet again threatening my personal and professional wellbeing. This is absolutely total defamation of my character and humiliating to have to explain. This is also in violation of Fair Credit Act and Fair Debt Collection Practices Act, Public Law 111-203 ; Title X ; 124 Stat 2092. Please remove this off all my credit reports immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40511
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: Last year, a company called XXXX started auto debiting my account once a month for {$140.00}. I have complained about this four times to Truist. Each time a case was opened, I received full or partial repayment, and a new debit card was issued. Today I found a new auto debit from the same company and I was unable to get Truist Fraud Prevention to listen to me. I was cut off from my first phone call and left on hold each time I tried to call back. I have never, ever interfaced with XXXX nor have I ever received goods or services from them. I am complaining to you because Truist keeps failing to stop this and now they wont even allow me to talk to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened a new account with Truist on XX/XX/XXXX with an opening deposit of {$250.00}. I tried to log into my new account on XX/XX/XXXX and could not access my online account. I was told to go into the bank to show my ID to resolve. I went back the following week and they were able to unlock my account at the local branch. My company attempted to direct deposit my paycheck to the Truist account on XXXX, but the direct deposit was rejected. I found I was locked out of my account again and that my account was charged a {$12.00} service fee on XXXX because a direct deposit had not been made to the account yet. I went into the local branch on XX/XX/XXXX in an attempt to resolve the issue. The local branch then notified me that corporate Truist intentionally rejected my direct deposit and then closed my account. I feel like Truist basically stole {$12.00} from me by forcing me in a situation where I was not able to make deposits to the account to avoid the service fee and then ultimately closed out the account. The local branch told me they could not refund the fee as it was put on the account by corporate and corporate Truist told me the local branch had to handle. They had me stuck in the middle of their ineptitude.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37343
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The same complaint is the issue : XXXX They have still not sent an inspector. We have asked them to text or e-mail so we have the paper trail of them trying to reach us. Truist says the inspectors call and leave messages, which they've not left and we don't have any missed calls. - Response to the closed case cited above, " We still have not received any phone calls from your inspectors. No one else is having trouble getting ahold of us. In fact, your offices ( Truist ) have reached XXXX XXXX, my wife, several times following up on the issues after the complaint was filed. Please give us a number to reach an inspector! We can give you pictures to show the work has been done. We have already completed the work matching the funds being held and Trust would know that if they sent an inspector. '' Original unresolved complaint - " This is not related to the payment process from our side. No option matches the issue we're having with Truist Bank. Hurricane Ian caused severe damage to our home. We have worked with XXXX XXXX and a contractor to get everything paid for and rebuilt. XXXX XXXX has been wonderful working through the process. We finally have drywall up in all of our rooms. The problem is that Truist is holding our money from XXXX XXXX. We have tried in good faith to follow their process of sending them the checks and adjustment forms. We have also tried to get an initial inspection done so they can believe that we are rebuilding our home and release the money so we can pay our obligations. They change the dates of the inspection requests every time we contact them and have canceled the inspections saying we did not return a voicemail call from the inspector. We had no missed calls or messages on the day in question XX/XX/XXXX ( why would someone only try on one day ). Our initial online request for the initial inspection was on XX/XX/XXXX when they told us they would be holding our money from XXXX XXXX. We will have to stop rebuilding if they keep holding the money. They are currently holding about {$51000.00}. We still have more that will be coming from XXXX XXXX, and we feel like Truist, and the Insurance Claims Check people are taking unfair advantage of us while we are still trying to rebuild our lives. '' As for the company 's reply that the inspector tried to call us on these dates, is untrueand we're not sure what number was called ; it was not one of the ones on file. " However, on XX/XX/XXXX a message was sent to the inspector to attempt to make contact again utilizing the phone number we have on file, XXXX. Subsequently, a telephone call was made on XX/XX/XXXX at XXXX pm, XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX. '' Call XXXX and let her know that she doesn't answer her phone or check her messages. I know she called Truist again today about the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Since I've made previous complaints about Truist and their lack of accessibility, I believed they would do something to make their services accessible. Alas, they have not. Even their " accessibility '' page does not provide an accessible means to contact them. I want to pay off and close my HELOC but can only do that by phone or by visiting a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I can't go to a branch. I have attempted to get Truist to respond via XXXX and XXXX messages. One XXXX message still has not been responded to in over a year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Considering the problem that I have had that were outlined in my complain number XXXX, I would like to request an investigation into the PMI cancellation practices of Truist Bank XXXX As housing prices have escalated, so too has the minimum loan amounts on loans being financed by this lender. If I am having this much trouble getting PMI cancelled, I would assume that many other people are as well. Please consider investigating other consumer loans with this lender for attempts to decline borrower requests to cancel PMI.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX VIA ELECTRIONIC AND CERTIFIED MAIL XXXX XXXX XXXX, GA Truist Bank Mail Code XXXX XXXX XXXX XXXX XXXX, VA XXXX RE : NOTICE OF INTEND TO PURSUE LEGAL ACTION REGARDING REQUEST CANCEL PMI @ XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX LOAN # XXXX Dear Sir/Madame : In your response to my " third request '' to cancel PMI on the above mentioned account, you stated that the Truist review of my file does not bring the LTV to 80 % of the original value. However, the verbiage noted on the CFPB Consumer Laws and Regulations ( HPA ), as well as the U.S Code ( screen print below ) state that Borrower shall provide evidence that property values have not declined below the original value. THERE IS NO DIRECT REFERENCE TO THE LTV IN THE REQUIREMENTS SECTION OF THIS ACT. I have submitted a list of recent sales inside our subdivision as evidence that the values have continued to increase in this subdivision. All of the most recent sales in this subdivision exceed {$400000.00} with the most recent sale next door selling at {$500000.00}. THIS IS WELL ABOVE MY ORIGINAL PURCHASE PRICE OF {$260000.00}. Considering that establishing the true LOAN TO VALUE would mean calculating the home value against the loan amount. If I used the lowest sales price in XXXX of {$440000.00} ; against the original sales price of {$260000.00}, the LTV would be 59.50 % Using the lowest sales price in XXXX of {$440000.00} ; against my current gross balance on my last statement, the LTV would be at 51.24 % Page XXXX XXXX XXXX XXXX There have not been any 30 day late payments on my account in the past 5 years that I have maintained this account. Truist Bank is placing un-due and un-necessary hardships on me as a borrower by now requiring me to pay {$4600.00} towards my balance, in order to remove the PMI, when the true LTV on this loan is less than 60 %. I believe this is a blatant and predatory attempt to discourage me and most likely many other consumers from getting relief from unnecessary PMI payments. I intend to pursue legal action if the PMI for the above-mentioned account is not removed within the next 10 days of the date of this notice. Sincerely, XXXX XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX Washington, DC XXXX Truist Bank Office of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX Enclosure : Lists of Recent Sales
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Truist Bank assumed an installment loan for a truck I purchased from XXXX XXXX XXXX around XX/XX/2019. However, Truist Bank has inaccurately reported the credit status for this account to all three credit bureaus over the last ( 4 ) four years. This action has had a negative credit impact caused by ambiguity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX XXXX, the below company made a hard inquiry on my XXXX credit report and I never applied for credit with them. I would like this removed from my report. Thank you- XXXX XXXX Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX our municipality reached out to inform us our borough taxes were never paid through our escrow account with Truist. They stated Truist postmarked the check 1 week after the deadline for the wrong amount so they returned it to the bank. Truist marked it in their system as paid and never resubmitted our taxes. On XX/XX/XXXX I opened a tax investigation with Truist to resolve as we were unable to receive a new HELOC as the tax was still listed as delinquent. We were advised this would take up to 14 days to resolve. After 30+ calls with their tax department I am told the investigation is still open and each week the date gets pushed back. First it was to conclude XX/XX/XXXX, then XX/XX/XXXX, then XX/XX/XXXX, then XXXX, XXXX, XX/XX/XXXX and now XX/XX/XXXX. I can not get a resolution and its impacting our ability to improve our home due to Truists mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A