Date Received: 2023-03-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Ive spoken with Truist Bank on multiple occasions regarding some checks that were sent from XXXX XXXX XXXX XXXX, which would close out the remaining of the loan since the vehicle was a total loss. Ive spoken with multiple representatives over the past 2-3 months that mentioned that they would escalate my issue with the checks not being applied to my loan balance. As of today, the loan is still open and accruing interest. One of the checks from XXXX XXXX was cashed by Truist and never applied to my account. I sent three emails to XXXX on separate occasions regarding the checks that never applied to my account and no one ever gets back in touch with me. I began to wonder if they are discriminating against me due to my name being XXXX. There is no follow up and this has impacted my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77019
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I have never had an account I have a decent XXXX XXXX and was denied to to demographics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 352XX
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: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Health Savings Account is with Truist. I have been attempting for nearly 6 months to obtain a debit card so I don't have to come out of pocket for medical expenses. Repeatedly they tell me the card is coming, repeatedly it does not come, repeatedly when I call they say it was lost in the mail. This is true even after I asked Truist to send the card to a local branch. Not only that, they have charged me a {$5.00} fee for this card, which I have never gotten. Most recently, they took my complaint and said the card would arrive in 4-6 weeks to my local branch. Since then I have expended several XXXX dollars on medical expenses for my wife and me, all of which could have been covered by the HSA account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied for a secured credit card on XX/XX/23 at Truist where it was denied then I received a letter in the mail that read. Thank you for applying for a Truist consumer credit card after carefully reviewing your application we are sorry to advise you that we can not open the credit line for you at this time. If you would like a statement of specific reasons why your application was denied please contact our consumer credit department shown below within 60 days of the date of this letter. We will provide you with the statement of reasons within 30 days after receiving your request XXXXTruist I have tried calling that number to request the letter of reasons and no one seems to know the answer or how they can help me I just get transferred to another department until someone hangs up on me. Im just trying to obtain this information because I feel this is a violation of FCRA adverse action & unfair practice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32246
Submitted Via: Web
Date Sent: 2023-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I applied and was accepted for a Truist card on XX/XX/31 so I could make a balance transfer from another card I have. I was preapproved and had no issues getting the card for a limit of {$6500.00} with the perk of XXXX % APR on balance transfers for 15 months. I submitted a balance transfer request via the Truist app on XXXX and it was accepted for {$5800.00}. I waited 10 business days and no activity had occurred. I contacted Truist and they advised to wait longer. To date Ive contacted them four times and each time they state theyve put in a ticket. The balance transfer request was made more than a month ago now. When I log in and research balance transfers now I no longer see the perk because Ive already applied ( but I am guessing this was an IT glitch. ) Truist is not helping and it is unfair to advertise a balance transfer perk and then it doesnt come to fruition.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: TRUIST failed to refrain from charging the account overdraft fees after I opted out of the service. They charged a {$36.00} fee on XX/XX/2023 after I ended the service. They also charged {$36.00} for an overdraft fee on a transaction that was deducted prior to them added an annual debit card fee to the account. This annual fee caused the account to go into the negative. I submitted an oral dispute on XX/XX/2023 and TRUIST failed to conduct the proper investigation and provide written notification regarding their decision. I mailed written Dispute and Cease & Desist notices on XX/XX/2023 and TRUIST never responded. I want TRUIST to deposit the {$72.00} total back to the checking account and pay me {$2000.00} for their violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
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 an 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: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I did a totally legal sale of a home in XXXX XXXX, Virginia. I took a cashiers check to pay off my mortgage with XXXX XXXX XXXX XXXX in XXXX, VA for XXXX dollars. They in turn gave me a check for XXXX in return for the overpayment. This was a Certified Cashiers Check. I deposited the check at an ATM for Truist bank in XXXX XXXX, NC. Then some overzealous Fraud Investigator at Truist Bank locked up my ac count for 7 days pending investigation. I have banked with Truist ( BB & T ) for 28 years. I am a XXXX XXXX XXXX XXXX and a former XXXX XXXX XXXXXXXX XXXX. I have spoken numerous times to the fraud department and then went to the Local Truist bank Manager and She has been trying to help. In the mean time my account has been locked for 3 days and I have automatic debits bouncing and am worried that my excellant credit rating will be ruined. I need help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Financial Institution : Truist Issues : Account Locked, New Customer I am writing this letter as a formal notice to file a complaint against the Financial Institution, Truist. I believe their practices for onboarding New customers/clients is exploitive, unforgiving, and downright unethical. Recently applied and was approved for Confidence Checking/Savings account on XX/XX/XXXX. Submitted minimum opening deposit in total of {$75.00} for both accounts on XX/XX/XXXX with phone representative. Phone rep also helped process order for debit card to be shipped. On XX/XX/XXXX, attempted to login on Online Banking and was briefed with a Account Locked notice. Called Support and was told that account had been closed and would be forwarded to specialist department to resolve. Mislead through many different departments and requested callbacks were ignored ; hours and time wasted with NO resolution. Customer is seeking for immediate reimbursement of opening deposit plus damages. Looking forward to getting this resolved,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77379
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: AS OF XXXX I KNEW A PAY CUT WAS COMING, WENT FROM SALARY TO Route BASE PAY, I CALLED MY Mortgage BANK THEN, AAKED FOR HELP, THEY SENT ME FORMS TO FILL OUT WHICH TOOK 15 DAYS TO RECEIVE NOT 10 LIKE THEY SAID. THE FIST NEVER ARRIVED I HAD TO START PROCESS OVER, WHICH TOOK ANOTHER 15DAYS TO ARRIVE THAT'S ONE MONTH, NOW XXXX I CAUGHT ON TO WHY MY PAYMENT WENT SO HIGH, I WAS BEING OVER CHARGED {$860.00} ON THE ESCROW AND INSURANCE. I HAVE REACHED OIT TO THEM AGAIN TO AT XXXX START PAYMENT BUT THEY WANT FULL AMOUNT FROM XXXX TO XXXX SEEMS LINE THEY WANT TO FORCE FORECLOSURE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91730
Submitted Via: Web
Date Sent: 2023-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A