Date Received: 2023-03-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I contacted SunTrust Bank regarding archived records of my checking and savings accounts, in addition to the possibility of a check deposited in the amount of {$11000.00}. SunTrust Bank did not produce any records, nor to even prove that been a client within their institution. Knowing that I held accounts with SunTrust Bank, I am disturbed by the fact that they were unable to confirm that I was a previous client, even at the very least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44857
Submitted Via: Web
Date Sent: 2023-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX I went into XXXX XXXX Car dealer in XXXX XXXX, Alabama to inquire about leasing a XXXX, after lengthy conversation With salesman ... decided to try for one and was told it would only require 1 credit pull ... as I waited to see I started getting multiple alerts that my credit was being pulled, went into sales office and asked what was going on and was informed they turned down the lease and they were running my credit with lenders for purchase ... I was furious as I did not ask nor want that ... I never signed or filled out an app for purchase nor did unauthorized any type of credit pulls for this, sales said they just thought I would want this and admitted fault ... said they would reverse the inquiries but have not done it yet... They had no buisness playing with my social this way and asked me to leave there buisness when I busted them on it... there is nothing in the form of paper work as I signed nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My husband 's Truist bank debit card was charged for a lot more than what was suppose to be. My husband is XXXX to XXXX. He went to a resturanut on Friday XX/XX/2023. When he paid for services the resturanut charged his card for {$920.00} instead of {$92.00} that he was to be billed. Unfortunately the resturanut did not give him a receipt after the charge. It was very busy at the resturanut that night. My husband 's XXXX was also taken for {$1200.00} at the same resturanut and was not given a receipt. My husband also misplaced his XXXX card at the same resturanut and they tried to charge that card for {$350.00}. Thankfully XXXX did not let that charge go through. Why Truist bank let this charge go through is beyond me. We don't have a single charge through our bank for so much money. We don't spend that kind of money. The resturanut is also called XXXX resturanut which makes it sound like its a casino/gambling place. It's not that at all. Gambling and casinos are outlawed in XXXX. It's illegal. I've tried to get our money back from Truist bank and canceled my husband 's card right away but I believe they didn't even try to investigate the situation. Just because we didn't have a receipt they denied us. I called 24 hours after I spoke to the bank about the fraud charge and they had already denied my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28390
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I mailed TRUIST BANK a letter via CERTIFIED MAIL # XXXX XXXX XXXX XXXX XXXX regarding a charged-off account being reported on my consumer reports. I have requested that this charge-off be removed due to the IRS clearly defining a Charge Off as GROSS or ORDINARY income. INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes TRUIST BANK/LIGHTSTREAMs reporting of this account inaccurate. I also asked TRUIST BANK to provide me with the 1099-C Form that TRUIST BANK/LIGHTSTREAM should have sent when they filed the account as a canceled debt. TRUIST BANK responded and totally ignored my request and continues to furnish negative information on my consumer reports. This is a violation of my consumer rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I filed a dispute with XXXX, XXXX, and XXXX regarding reported late payments on my accounts, requesting that they be removed due to clear violation of the law under 15 USC 1681b permissible purpose of consumer reports, and my dispute was denied. This law clearly states : IN GENERAL Subject to some section ( c ) Any consumer reporting agency made furnish the consumer report under the following circumstances and no other : ( 2 ) In accordance with written instructions of consumer to whom it relates. Furthermore, but their credit reporting act 15 USC 6081 ( 2 ) ( a ) ( I ) Versions from consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( 3 ) the term consumer report does not include : Subject to section 1681S-3 of the title, any ( I ) Report containing information solely as to transactions or experiences between the consumer in person making report ; As a result of this being a clear violation of the law, I want all reported late payments for the following accounts deleted from XXXX, XXXX, and XXXX : Regional Acceptance Acct # XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX XXXX XXXXXXXX acct # XXXX XXXX XXXX XXXX I thank you for your consideration in correcting these illegally reported late payments. XXXX XXXX Social security # XXXX DOB XX/XX/1981
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 128XX
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I sent XXXX, XXXX, and XXXX letters asking them to investigate and verify my debt on my credit report just to make sure the names, amounts, dates and everything else involved with the accounts were accurate. I have received the credit bureaus responses and uploaded them to this case. They have stated that everything is verified and correct, and validated correctly, however, my credit report is still showing inaccuracies and inconsistencies. I have highlighted all of the inaccuracies by circling the account name and underlining the inaccuracies and inconsistencies in RED pen. You will be able to see my credit report from before and after their updated reports to show as proof that it is still showing inconsistencies and inaccuracies. In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681s- ( A ) ( 1 ), the following accounts have violated my rights, which states that " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. " : XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX TRUIST XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87031
Submitted Via: Web
Date Sent: 2023-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Report Act, this creditor has violated my rights. Under 15 u.s.c. 1681 section 602, states that i have a right to privacy. 15 u.s.c. 1681 section 604a section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I AM NOT AWARE ABOUT THIS COMPANY HOWEVER I AM CHECKING MY CREDIT REPORT AND HOWEVER THIS ACCOUNT HAS PUT A HUGE INDENT IN MY NAME. I AM ASKING THAT IT BE INVESTIGATED AND REMOVE. I HAVE NOT SIGNED UP OR GAVE ANYONE MY SOCIAL TO UTILIZE FOR ANYTHING. I HAVE NEVER LIVED AT THE ADDRESS ASSOCIATED TO THIS CREDIT CARD NOR HAVE I OPENED AN ACCOUNT THIS BANK. I AM ASKING FOR HELP FROM BOTH PARTIES.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This complalint is a follow-up to the complaint filed on XXXX/XXXX/XXXX. Several hours after that compalint was filed, XXXX from client advocacy at Truist called and said my case had reached the hightest level and gave me the case number XXXX, She also said she would get back to me within seven days, which was yesterday and I have not heard from her at all. This week I received one letter dated XX/XX/XXXX stating they would send a new deferral or workout option that would need to be exucted. The one on XX/XX/XXXX offered options to bring paymetns current such as a refinance or loan modification. It seems one hand does not know what the other is doing at Truist. On XX/XX/XXXX I filed the orginal complaint and Truist responded : For your mortgage account XXXX, the trial offer was mailed XX/XX/XXXX. Within the Trial Flex Modification agreement, the new approved terms are 121 months with new interest rate of 2.875 % and the new unpaid principal balance of {$79000.00}. The workout plan begins with your first payment due on XX/XX/XXXX in the amount {$970.00}. I have received that document and we signed and noterized it and sent it back. They failed to record it, and have ingnored the finalized exucted document that should end this matter. Plese note I have been paying {$97000.00} to Truist since XX/XX/XXXX, They say the money is in a suspense account. I was less the 15 months in forebearence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23834
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/XXXX of this year, Truist Bank changed the terms of my checking account, ( which I have had for at least 8 years ) without notifying me. My account had never had a minimum balance requirement before. Suddenly I had a {$25.00} charge on my account and was then told by my bank that my checking account now has a {$25000.00} minimum balance requirement to avoid fees. This change was never disclosed to me. I was then forced into a different checking account to avoid these fees. My new checking account does not have the same benefits as my old one. I believe the bank did this to force me out of my checking account which had good benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A