Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On numerous occasions I have looked at my account on line and everything is fine, this is usually after midnight.only to later in am to see that transactions posted the previous day, even though that same day they show no record of it online to me. This is a frequent thing. The date manipulation is a way of getting overdraft fees. Also I tried to find the rules governing my account on their website and they were not available to me. I have Truist bright checking. Contacted representative and they could not find it either until they did some research. It doesn't seem right that the rules of my account should be hidden away somewhere. Also I am not an original Truist customer, I am a transfer from SunTrust. This whole operation is questionable in my opinion. Yesterday I made an electronic deposit, to keep my account funded to cover bills. They deposited the funds then reversed them and put a 10 day hold on it calling it highly uncollectible. Each semester I put cash in to my daughter 's college account to cover costs and each semester she will get a refund check which she endorses to me. That's what these funds were. Also printed boldly across the front is the statement that you can call this number to verify funds and the telephone number. The reversal through me once again into a negative balance and set me up to receive overdraft fees. I am constantly seeing the manipulation of account to accrue fees. I thought something had been done to protect the consumer from these erroneous fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Creditor : Truist Bank Account # XXXX I have reached out to Truist Bank repeatedly over the past year regarding my account that was paid off last XX/XX/XXXX. I was told repeated that my account fell through the cracks and that it should have been closed out and the amount updated as paid in full and the balance in my XXXX report shows {$0.00}. I have a letter of proof from Truist bank stating that my account was paid off in full as evidence. I even filed a dispute with XXXX in which they even concluded in XX/XX/XXXX that my account balance was {$0.00} and account was reported paid in full. Truist then sent a response to XXXX on XX/XX/XXXX saying the account was not paid in full which it completely untrue. This is against Consumer Protection laws I am submitting this request for Truist to update my account immediately or I will be filing a lawsuit against them and will being suing for monetary damages suffered as a result of my credit report not being updated. This is fraud and illegal to do this to consumers. I spoke to the following people at Truist Bank : XX/XX/XXXX - XXXX XXXX ( Employee # XXXX ). She stated that my credit report would be correct by no later than XXXX XXXX, XXXX. She apologize as my account fell through the cracks. XXXX XXXX - I spoke to a representative XXXX and he said that XXXX followed out with the account on XXXX XXXX and that they the credit team resolved it XXXX and that it should be removed from my credit reports 30 days after by XXXX XXXX XX/XX/XXXX - I spoke to a representative XXXX and she confirm that the account would be resolved and removed from my credit reports by XXXX XXXX and that a Supervisor XXXX XXXX XXXX would call me back. That never happened. XX/XX/XXXX - I spoke to XXXX XXXX again and this conversation was recorded of then admitting that they were sorry it was not been removed from my report and that it fell through the cracks and it would be taken care of and that Supervisor was going to call me back, That never happened. XX/XX/XXXX - I submitted a dispute with XXXX as the balance still showed {$9500.00} instead of {$0.00} per the resolution decision that was mailed to me from XXXX on XX/XX/XXXX. XXXX stated that someone from Truist Bank submitted a response back to XXXX on XX/XX/XXXX stating that the account was not fully paid off without any evidence to provide. This is illegal and against the law. Truist can not keep unsubstantiated and incorrect information on my credit report without providing proof tot he contrary. I not only have proof with the letter from Truist bank from XX/XX/XXXX, but I also have a recording of the conversations with Truist Bank admitting they made a mistake and this fell through the cracks. I will be pursuing legal actions in the Maryland XXXX XXXX if this is not taken care of as this is a severe abuse of the me as a consumer. I have provided evidence and proof that this has been paid off and Truist Bank continues to practice in a unethical manner. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 219XX
Submitted Via: Web
Date Sent: 2023-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist Bank keeps changing the amount I owe for escrow. In less than two weeks I was told my shortage went from $ XXXX to $ XXXX to an additional $ XXXX. They've applied an escrow payment to the principal in error and I can not trust what they say over the phone nor can I trust their paperwork is correct. To date, they claim I still owe them {$6000.00}. My loan was sold to them in XXXX. Before the transfer my insurance was paid and the difference was sent to me. I sent the difference ( {$6100.00} ) to Truist. ( proof of insurance payment is attached ). That difference would have been close if not enough to cover at least the school taxes, leaving only the county taxes unpaid at the time of transfer. My total monthly escrow comes to {$1900.00} ( based on what was paid in 2022 ), which to-date ( 5 months ) would be {$9900.00} plus the unpaid {$6100.00} for county taxes comes to a total of {$16000.00} for escrow. For all the payments I've made to Truist ( {$23000.00} ), that comes to a difference of {$7600.00} in my favor. My monthly principal/interest payments add up to roughly {$1500.00} for the past 5 months ( a total of roughly {$7900.00} ). My arrears then should only be about {$300.00}. Last week, both Monday and Friday, they said I owed {$8000.00}. I wanted to pay the {$8000.00} and close the escrow account. Then they told me I couldn't close the account until I paid them an additional {$6000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75089
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Reference closed CFPB case XXXX On XX/XX/XXXX, I received a letter from XXXX XXXX XXXX XXXX XXXX XXXX, Truist Bank that was a response to the above case. Today, XX/XX/XXXX, I had a productive telephone conversation with XXXX XXXX concerning her response letter. However, as there were several issues, still unresolved, XXXX XXXX suggested that I file a new CFPB complaint so that these issues could be addressed by Truist Bank. The following are the issues identified in our telephone conversation : 1. Truist records indicate that my account address was updated on XX/XX/XXXX. I did not initiate this update on XX/XX/XXXX. I changed my account address in early XX/XX/XXXX and have two Truist Bank statements mailed to me at my new address for XXXX and XX/XX/XXXX to show that change. XXXX XXXX was unable to identify the Truist employee who made this address change on XX/XX/XXXX. 2. I have had a XXXX dollar return statement fee charged to my account each month since XXXX, XXXX, even though I changed my statement preference from mail to electronic notification in XXXX, XXXX. XXXX. The return statement fee appears on my account approximately two days after the statement has been mailed by Truist Bank. This is not enough time for the letter to reach its destination, be determined undeliverable, and returned to Truist Bank and posted to my account. XXXX. If possible, it would help if Truist Bank were to flag my account and keep the returned bank statement in XX/XX/XXXX to see what the problem is with the address. They do not have any pictures of returned statements for XX/XX/XXXX through XX/XX/XXXX. XXXX. I spoke with my mail carrier and he stated there is no problem with my current address and knows of no action that I or the post office can take to identifier why the statement is being returned to Truist. XXXX XXXX requested that if a different client resolution specialist is assigned this case that the specialist reach out to her for background information. Thank you for your assistance in this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX was in a vehicle accident and I had been waiting for the police report to go through online because I work out of state as a XXXX XXXX. I notified the XXXX dealership as I was told to do to find out about my GAP. On XX/XX/XXXX I had gone in to XXXX dealership in XXXX, Tx. and she gave me the information and the name of the XXXX company. I had been in touch with my bank XXXX immediately waiting for the settlement to go through on XX/XX/XXXX. On XX/XX/XXXX the information was sent to XXXX XXXX to a person named XXXX. I then got in touch with XXXX XXXX. On XX/XX/XXXX I sent everything to XXXX because she told me she would help me and submit the paperwork to XXXX which never happened. I again have to do everything by phone and email due to working out of town. I obtained my police report on XX/XX/XXXX and has sent that to XXXX. Then forward that to XXXX XXXX. On XX/XX/XXXX I had been on the phone with XXXX in tears because Truist bank would not supply the information needed for my GAP to pay off the vehicle. XXXX contacted Truist bank as well on my behalf with no information obtained. I have documentation of all the times Truist has been notified with a failure to respond to my requests. I have documentation of my insurance company XXXX making attempts, I also have documentation of XXXX XXXX attempting to notify XXXX of their representatives at Truist bank. I spoke with a female each time I had called and she was rude and after multiple attempts she said she would mail me some information. I never received any information at all. This caused my XXXX not to be paid and now I owe the rest on my vehicle that was totaled. I have good credit and do not want them messing with my credit due to their failure to respond causing my gap not to be paid. I owe a little over {$7000.00} and I am not paying for XXXX vehicles when gap should have paid off my totaled vehicle. I am at a loss and have tried to find a lawyer but none are responding to my inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I got the auto loan in XXXX and the car was repossessed in XXXX. It was sold at for a little over XXXX XXXX. It was updated on my credit report in XXXXEver since it continues to be updated and listed as a personal loan on my credit report and it appears to be renewed, every time the removal date comes up. There is no balance due, this is just malicious, I'm fairly certain this violates the fair credit act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12309
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I applied for a Truist credit card. It's called the enjoy cash. It has no annual fee and has a promotion of 12 months no interest ; however, immediately after getting the card I get charged an annual fee. I called and after complaining they refunded the annual fee. Then I made a purchase and since I have no interest decided not to pay it off completely, just the minimum required. When looking at the statement, to my surprise I notice an interest fee. This card has no interest for 12 months. Yet I'm being charged interest. Called and talked to multiple reps that confirmed to me I'm not supposed to be getting charged interest and that they would refund it. Weeks have gone by and they have not refund the interest fee. In fact, they have once again charged me interest fee. First time was for XXXX $ and now I got charged XXXX. I once again called and they said they would fix the issue and it's yet to be fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I was informed by Truist Bank that I have an administrative hold on my bank account. I was attempting to make a purchase and my purchase was declining ; therefore, I contacted the Truist Bank to see why my purchase was declining. I went to the Truist branch in XXXX, Ga and the representative contacted XXXX XXXX from the corporate 's office in North Carolina. XXXX XXXX informed me that my account is an LLC and that I made payment to the defendant from the account which proves that it is an LLC account. XXXX XXXX stated that they will not be release no hold from my DBA account. There's no law that states that I can't pay certain people out of my account. I had to make an appointment with a local Truist branch in XXXX, Georgia and I provided them with all documentations to prove that my account is a DBA account not an LLC account. I provided them with documentation that m.y TIN on file with Truist Bank is my DBA account. I also provided IRS documentation of my TIN for my LLC which is not the TIN on my account at Truist Bank. My account with Truist Bank is an DBA account. I provided proof that my LLC with the State of Georgia was established on XX/XX/XXXX and my account was opened with Truist Bank was on XXXX.The amount of the judgement is different from the amount that is on the administrative hold. The amount once matched the judgement amount than after I had a disagreement with the defendant 's attorney the amount went up on my Truist Bank account. I will be pursing legal actions against Truist Bank because this have caused my financial hardship, mental distress and is causing my credit to be ruined because I'm not able to pay my bills all cause of ignorant employees of Truist Bank. Ms. comb is practicing out her scope by trying to make legal decision without using common sense that this is now putting Truist Bank at state for more legal actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist Bank XXXX XXXX, XXXX NC on XX/XX/XXXX I attempted to make a deposit of approx XXXX which consisted of 3 bank cashier checks and was advised by the teller that there would be a 7 day hold on the deposit. 3-5 days is what I expect to be reasonable and inquired why 7 days? I was advised by the bank teller XXXX that this was done on a case by case basis, so I inquired what the case was. She advised " I dont know ''. At the least the rep was not trained properly at the most discrimination was the cause. I requested they cancel and back out the deposit. I contacted XXXX as the bank mangaer and left a message to give me a call back that I would like to share my experience with him. He never returned my call and I am not surprised. XX/XX/XXXX I contacted 3 different individuals one from the main customer service line which hung up on me, I contacted the only customer service # again, went through the un-needed questions and got customer service rep 2 which was a joke and a waste of my time. I called back hoping to get another representive that gave a flip and she transferred me to GA, a supervisior? Which advised there was no general " Customer Complaint '' email option and I should submit my complaint via writing to XXXX. Needless to say these folks have lost my account one which will be quite hefty due to inhertiance and I would like an explaination as to why they were holding 3 bank cashier checks for 7 days and what that case was. I have since opened an account with a local bank and will be transferring all funds and closing my account with Truist immediately. There is no customer service and this is a bank so this is very concerning. I did not sign up for online banking only, where there is an issue an the service provider is a bank they must provide customer service. Thanks, I see they have a ton of complaints listed, they can add mine to the pile.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-20
Issue: Problem when making payments
Subissue:
Consumer Complaint: We ordered windows through window nation sometime early last year. The windows arrived sometime in XXXX months after they were promised to us. We did our financing for 18 months no interest and payments over that time with XXXX XXXX XXXX XXXX out of Florida. XXXX XXXX XXXX was not supposed to pay window nation until all of the work was complete. We still have windows that have not been installed and when XXXX XXXX XXXX asked us whether or not the work was done on 2 separate occasions via email we told them that the blood work was not yet complete and please do not pay when donation they went ahead and paid them anyways now we are still waiting on a window to be installed and repairs to be made yet XXXX XXXX was paid. I have real issue with XXXX XXXX XXXX issuing payment for a job that was not complete especially after we told them on 2 separate occasions that it was not done. Now XXXX XXXX XXXX is coming after me to make sure that my payments are on time when the work is STILL INCOMPLETE!! And surprisingly window nation is not responding to my inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2023-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A