Date Received: 2023-02-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: on XX/XX/2022, I walked into the Truist Branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida. I needed to open up a business account. I recently became an XXXX and was previously a sub XXXX XXXX client. I already had a personal account and checking account with Truist ( formely Sun Trust ) The Branch Leader XXXX XXXX invited me to his office where we worked through opening my business account. I sat there while he told me to sign items electronically that came through my email via phone. He then informed me during the process " congratulations, you have been approved for a business credit card with a $ XXXX limit '' I said " I was not going to use your company for a business card. I was going to open a XXXX business account because I like their points and I have a personal card with them already '' He then said " well you need a business card anyway, you are already approved, we have one with travel mileage you can earn '' I was a bit taken back and trying to absorb what happen. My XXXX XXXX is in the XXXX and thought, i dont want to take another hit on my credit. So he showed be the travel one and selected that one. I went home and thought it through. What gave him the right to run my credit and approve me for a card without my permission. I reported by calling with in 48 hours. I have repeatly have requested an update and I have been told its still under investigation. Ive told many reps on the phone and everyone just apologizes but no one has a manager call me back or anything. I feel violated and I question why I still have any accounts with them. I have now found out that the travel card has a yearly fee and I dont travel for business. Now I am not sure how I will even justify that to my accountant. I have been banking at the same institute for over 30 years ( through mergers etc ). This should not happen to anyone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a car through regional acceptance bank. It was totaled in a car accident. The insurance paid the car off. They stated I owed them XXXX. I paid the balance. The never updated my credit report. That Debt is well over 7 years old. It needs to be removed from my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07104
Submitted Via: Web
Date Sent: 2023-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-27
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Regional acceptance Account # : XXXX On XX/XX/XXXX I went in XXXX XXXX XXXX at XXXX XXXX XXXX in XXXX, IL to purchase a used vehicle while on vacation/leave during XXXX XXXX service. The dealership is now named XXXX XXXX XXXX. I went in to purchase a new XXXX XXXX XXXX, but the salesman who assisted me told me that all of the XXXX XXXX I seen in the lot were being driven by employees that worked there. Although, they were in the sales lot with the rest of the cars. Instead, he showed me used XXXXXXXX XXXX and wanted me to test drive it. I drove the vehicle and told them it jumped forward when you press the brakes to come to a stop. They told me the vehicle had adaptive steering that adjusts as time goes on to the driver. There is no such thing. I believed them as I didnt have much time to look around because I was an XXXX XXXX service member at the time and was only home for a few days. Also, I called prior to coming and I was told they had new XXXXXXXX XXXX to sell. I provided my most recent XXXX ( pay stub for XXXX XXXX XXXX ) and filled out a credit application. My credit was ran and it came back as mid XXXX, to be specific, XXXX. The salesman came back and told me that I wouldnt be approved unless I put some money down, and stated my credit wasnt great but it was a XXXX. I had nothing on my credit but student loans in Good standing. He came back and stated that the financial institution, Regional Acceptance, wanted a {$1500.00} down payment and wanted me to obtain a co-signer. I couldnt make sense of this because my credit was fair without negative marks. Also, according to my knowledge at the time I didnt think a dealership could charge a down payment of the vehicle was being financed because the down payment didnt count towards my finances amount at all. I asked my mother to co-sign and she agreed- her credit score was lower than mine but they did not care at all. This was also weird to me but I needed to get a vehicle before leaving to go back to the military base. I signed all documents as the primary applicant and my mother signed as the co applicant. Two months after receiving paperwork for the vehicle- the paperwork had been changed afterwards to reflect my mother as the primary and me as the co-signer. We called regional acceptance to change this, but they refused to do so. Stating that the dealership, XXXX XXXX XXXX XXXX XXXX had submitted her as the primary instead. The dealership refused to acknowledge theyd changed the applicant information, and ultimately stopped answering my calls. While on XXXX XXXX, I had a decrease in pay due to an overpayment from my employer. Regional acceptance refused to assist me with remedies, and repossessed my car. Due to dealership fraud, and the finance companys refusal to correct the fraudulent contract and error- I wasnt afforded any relief options that protected me under the SCRA . This was done intentionally due to me making my XXXX XXXX service status known upfront at the dealership. The finance company was also aware that having me as primary applicant meant theyd have to abide by the SCRA and Id be able to invoke my rights. I lost a vehicle and I lost out on money, and assistance that wouldve helped me to keep my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77380
Submitted Via: Web
Date Sent: 2023-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XXXX XXXX XXXX I received a letter from Truist stating they didn't receive my payment for my credit card ending in XXXX by the due date. I did not previously receive a letter or communications from that that I had a balance due and did not check as this account was no longer active ( last transaction was from XXXX of XXXX ). I contacted them on or around XX/XX/XXXX, and notified them that the four XXXX charges ( on XX/XX/XXXX ) on my account were fraudulent and wanted them removed, and that I needed a new card number. They stated that the they noticed fraud on my account at the time ( XX/XX/XXXX ) of the transactions and stopped the transactions after the four that occurred to the XXXX store. They stated they sent me a letter about this possible fraud but I never received it. They let these transactions sit on my account and eventual cause a late fee and interest and a report to the credit reporting agency that I was 30 days past due. They assigned a case number of XXXX for my dispute and said they would resolve it in 90 days. I just checked my account and they are continuing to charge interest and late fees and have given me no additional info resolving and will not remove the late charges/interest from my account. My concern is they will continue to report ( on charges/fees in dispute ) on this to credit reporting agencies causing harm to my credit score and not remove the charges as appropriate. I called today XX/XX/XXXX to request these charges be removed in a more expedient manner and they hung up the phone on me. This is the equivalent of about {$40.00} in fraud charges that takes them months to resolve all the while as they tack on fees and charges that now total {$100.00} ( of debits and fees and that are not mine ) as of XX/XX/XXXX, and report falsely to reporting credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55119
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-25
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I had a XXXX XXXX XXXX Account with Suntrust for 20 years. When Truist acquired Suntrust, the bank notified me that the terms of my Signature Advantage Checking Account would be grandfathered into Truist 's new product. Despite this commitment, I started seeing fees of $ XXXX, which I would not have incurred under the terms of my prior account. I called immediately and spoke to a Truist representative in XXXX, who informed me that I was correct that the prior account 's terms were grandfathered in, that she would credit the fees back to my account, and that I would not see the fees in the future. I thought I could rely on the bank 's representations, but the bank did not honor any of those commitments. I recently noticed that no amount had been credited back in XXXX and that the fees had continued. I called again in XXXX and even though the bank acknowledged that the prior representative gave me the wrong information and that she did not credit my account as promised, the bank nonetheless refused to credit the full amount of the fees back to my account. Truist has an arbitrary limit of only crediting back {$75.00} fees, and the representative said there was no process or person I could speak to in order to get a full refund. I'm seeking a full refund and Truist should have a process for others who have relied on the representations of the bank to their detriment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20815
Submitted Via: Web
Date Sent: 2023-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a big problem : I can prove around {$5500.00} in mortgage fraud but I can't get credited for it. I emailed cashed checks to Truist 's fraud department ( who never wrote back ) and to another address I was told to send it to ( who also never wrote me back ). I asked Truist for my payment history and my checks are much higher than my history. I keep a spreadsheet showing payments I made. I logged payments up to XX/XX/XXXX but not between XX/XX/XXXX and XX/XX/XXXX. I had a XXXX on XX/XX/XXXX and started making minimum payments after then but before then I often overpaid. Everything checks out up to XX/XX/XXXX and after XX/XX/XXXX but is off between then. I had XXXX banks during this period. XXXX I have canceled checks for and the other I don't. The XXXX bank shows all drafts between XX/XX/XXXX and XX/XX/XXXX and no overpayments when I sent all checks and overpaid every month. The scenario that makes the most sense to me is someone worked both at BB & T ( Truist ended up buying them ) and my bank ( XXXX XXXX ) and altered my bank statements to conceal their embezzlement from BB & T. I have XXXX XXXX doing an investigation now. That's been going on XXXX business days. Neither bank shows withdrawals between XXXX and XX/XX/XXXX or from XX/XX/XXXX to XX/XX/XXXX. I asked Truist for checks between XX/XX/XXXX and XX/XX/XXXX but didn't hear back. So I'd like to be credited for the fraud I have proof for ASAP and would like to see all check images I sent between XX/XX/XXXX and XX/XX/XXXX. Truist said they were investigating but I've been writing since Monday and can't get a reply. I have XXXX cashed checks showing about {$5500.00} in fraud but there are 21 months in question. If I multiply {$5500.00} by XXXX I get {$16000.00}. Since there's a gap in my spreadsheet I'm only guessing but I estimate I overpaid between {$12000.00} and {$20000.00}. I think the amount freaked out Truist which is why they haven't written back. BB & T never had problems cashing my checks but Truist is having trouble giving me credit for fraud I can prove. The amounts to look for are {$1200.00} ( the minimum I sent ), {$1500.00}, {$1500.00} and {$1600.00}. I'm not sure if I ever sent any checks for {$1600.00} but know I didn't pay more than that and didn't pay below {$1200.00}. I'm " verbally challenged '' so text ( XXXX ) or email ( XXXX ) are the best ways for me to communicate. I am verbal just not easy to understand. I called them probably five times. Im told they need proof even though my bank statements have been altered. I wrote them on XXXX on XX/XX/XXXX and explained the predicament. They said they were launching an investigation. Ive written every day since Monday ( except today ) and cant get a reply. Id be happy to email supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have a checking account with Truist, previously SunTrust XXXX XXXX XXXX. Since truist took control of whenever I deposit a check they would hold my checks, every single check and then continuously charge we overdraft fees when a transaction comes in. By the time the hold is released 60 % of my deposited funds are being eaten up in overdraft fees. I'm tired of complaining to them, and they say that they will fix the problem and refund the overdraft fees but they never do and it keeps happening. I never had an issue with SunTrust, back in XXXX of 2022 they even closed my account without informing me, and held my funds for weeks.
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: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I separated for the navy in XXXX and haven been transitioning back into civilian life for the last couple month which has coming with its challenges. I had my vehicle was repossessed on XX/XX/23 after XXXX. I got in contact with them the next day I was told my vehicle would be held until the XXXX for the amount of XXXX form the vender ( Truist ) and then an addition amount would be charged form the towing company themselves for storage. I called back on the XXXX the XXXX was XXXX XXXX, so the office was closed. I wanted to verify the amount again so I know the amount to request for finial help. The amount was now XXXX, I asked for how much the towing company would be charging and was told I could get that form their third-party Loss and XXXX. Loss and XXXX informed me that they do not deal with money they are simply a middle man between the vendor and finding a local towing company to retrieve and hold the vehicles. Loss and XXXX informed me that vendor is the one who sets the price for everything even how much towing company should charge me. I have called Loss and XXXX and the towing company and got the same answer each time that they are waiting on the vendor ( Truist ) to tell them how much to charger me. When I call Truist I keep being forwarded to Loss and XXXX to get the additional amount. It been less than XXXX week I just want my car back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I called in for a paper statement fee. I never ordered paper statements. The agent insisted I had to go online to turn off paper statements and she couldn't, her manager couldn't either. That is XXXX. Truist knows if they make it more difficult people will give up and not do it. This is a malicious policy Truist has. So I spent an hour dealing with Truist 's malicious compliance to XXXX me over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist has placed forced placed coverage on my condo for an unreasonable amount of {>= $1,000,000} on coverage that is only {$90000.00}. They are now aware of their mistake but we had several times stated that the amount they were trying to charge was not bonafide reasonable charge but they kept ignoring our request for examinations. We are willing to pay for the amount of coverage that is reasonable. They are trying to charge {$11000.00} for {$90000.00} worth of coverage for a six month period. Please help them per Federal Code title 12 help them follow their part of the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 857XX
Submitted Via: Web
Date Sent: 2023-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A