Date Received: 2023-03-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023, I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. The bank has not returned my funds, and a followup the the bank provided zero information on my balances or refund status. Additionally, the bank will not let me online access to see that balance in my account balances are accurate and current. I am hereby requesting the bank provide the following in the next 15 days : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. Additionally, failure to provide ALL the above requests, or failure to return my funds in a reasonable time period, will result in me taking IMMEDIATE legal action against the bank to recover all funds, and related expenses incurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The app- to make payments, withdrawals, deposits, etc - has been down all week long. There is no remedy with customer service and people 's livelihoods are at stake because the bank is inaccessible. Where are the protections for the consumers? This is not right. All week long - inaccessible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting Act XXXX XXXX # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85353
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: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went to Truist Bank to open an account and was denied. They said to ask the cfpb to get more information as to why it was denied, as they were unable to disclose this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30307
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My credit file is showing XXXX and Truist which are fraudulent and a result of identity theft. Im am not in the XXXX nor do I have any family members in the XXXX. As for Truist, I have never opened a Truist account. The accounts are fraudulent and are a result of identity theft. According to the FCRA, I have the right to dispute any information on my credit report that I believe is not correct. I can not accept the allegation of delinquency without factual proof. You should not report any claims that you know or should know are not in compliance with regulations and the law. I am writing to inform you that you need to make sure all your claims are factual and certified before reporting them. This is required by the XXXX XXXX reporting standard. I request that you provide evidence to support the existence of the account and evidence that the account was used for a permissible purpose. I am giving you 30 days to investigate the matter and determine whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I authorize you to take steps to correct my credit and send me physical proof of your actions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2023-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On Friday XX/XX/2023 I received an email from XXXX XXXX at Lightstream XXXX stating that my loan application had been approved and to email her back to start the process. I did and then I spoke with her over the phone and then she sent me my loan documents. I did further research trying to make sure this was legitimate and did not find anything on this company. I then was told because my account was in the negative that they would be doing a " deposit " to make it positive and that I would need to return this money as a " good faith gesture '' via XXXX XXXX or XXXX., as you will see by the screenshots I did this several times and then they did another " deposit '' of XXXX and had me do the same thing but I had reached my limit so the next day I has to transfer the additional XXXX and that was the last payment I had to do. BUT they then deposited 2 more XXXX amounts in my account and tried to access my account and they were denied. By then the bank had noticed all this and froze all my accounts. I then had a negative balance of XXXX and the bank then transferred the XXXX that was in my savings for my sons wedding in XXXX to my checking account and that left me XXXX negative they have since removed all the fees and I am still almost XXXX in the negative. I have never seen any of the " loan money '' that I was promised. This is nothing if completely fraudulent and unbelievable. You will see from the attached documents that this looks very legitimate with all the FDIC numbers on the last page of the loan documents. I have attempted to contact all the numbers they have not responded to text, voicemail or emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73072
Submitted Via: Web
Date Sent: 2023-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with Truist online I founded the account with {$50.00} The day after the account was opened my account was blocked. Truist stopped all credit and debits on my account and referred me over to XXXX XXXX XXXX. XXXX XXXX XXXX took a couple weeks to reach back out to me and finally I couldnt even see whats on my record. I went to the branch and the teller told me infront of other clients my account was closed on fraud. The banker stated she had to submit a form because I was asking her to refund XXXX msf that were charged on my account a total of XXXX . She said I shouldve opened the account with XXXX to avoid any fees. She said she would submit a refund form but never got in touch with me. I called customer service a week ago never got a call back. I just want my money back because I was charged for an account incorrectly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08619
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX, has violated my rights. 15 usc 1681 section 602 states I have the right to privacy. 15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 usc1666B : 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: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. Under 15 U.S.C 1681 section 602 States I have a right to privacy. Under 15 U.S.C 1681b section 604A paragraph 2 States an agency can not furnish an account or report without my written instructions. Under 15 U.S.C 1666B A creditor may not treat a payment on a credit 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: VA
Zip: 22153
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2022 I went to a XXXX XXXXXXXX XXXX in XXXX Ms , to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39047
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A