Date Received: 2023-02-15
Issue: Problem when making payments
Subissue:
Consumer Complaint: XXXX XXXX XXXX billing issues : I lodged complaints before on this company & poor billing practices & double billing. Those complaints were lodged : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX. Now yet again having same issue I reported before & is reoccurring continuously. I will also duplicate this report to FTC as this company is very unsavory! I have made duplicate payments in error & this time I could NOT place a stop payment on check since check was already cashed. This is a loan for installation of a walk-in tub. Payments are $ XXXX month. Here is the breakdown of duplicate payments made in error as I keep getting notices : 2nd notice, or 3rd notice. Starting w/ XXXX of XXXX : Paid the {$150.00} on : XX/XX/XXXX ck # XXXX ; XX/XX/XXXX check # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX ck # XXXX ; XX/XX/XXXX Ck # XXXX ; XX/XX/XXXX ck. # XXXX ; XX/XX/XXXX ck # XXXX. Plus, since last 2 checks were already cashed on XX/XX/XXXX I can NOT place a stop payment on these checks!!! So, as you can see, yes, my error also BUT the company is compounding the error because they keep sending out invoices for payment. I am a XXXX on fixed income & have a visual impairment so sometimes I can NOT track past payments. So, I admit my error, so too the company should admit their error & not have cashed the last 2 checks. Plus no one had decency to call me to say that a duplicate payment was made!! Plus : I do not get statement stating what my loan balance is with all the duplicate payments made!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I took out a loan from XXXX XXXX XXXX for my furnace. I missed 1 payment on this loan in the 2 years I had it ... and paid that in under 30 days. However, they continued to claim I missed the payments passed the 30 day period. I have since paid off the entirety of this loan and they have yet to report this payment, which would increase my credit score. I need help on my credit score ASAP... they have destroyed my credit score number with their inaccurate statement of neglected payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/23 I opened a new checking account online and made an initial deposit of {$100.00}. The next day, I was unable to create an online profile to access this account. I contacted customer service and was told my account had been closed due to " fraud activity ''. They were unable to tell me what this activity was, only that their " Enterprise Fraud Department '' had determined my account was fraudulent and it was closed. I was transferred to multiple people who all told me the same thing and no one could help me. I was eventually transferred to an employee only number somehow and they told me to go to a local branch and it will be fixed there. I went to my local branch on XX/XX/23 and XX/XX/23 and spoke with a representative there. I provided 2 forms of ID and 3 forms proving my current residence. This person at the local branch had no ability o help me either and she talked to multiple people on the phone with no answers. I visited this branch and spoke with this person multiple times. She said she would call me back with a resolution and never did. Also, every person I have spoken with has told me there is no money in my account and acts like I am lying about making a deposit. I have received a debit card in the mail which I can not activate. I also received an account statement dated XX/XX/23 that shows a deposit of {$100.00} was made on XX/XX/23 and my current balance is {$100.00}. One of the notices I received about my account being closed stated I would receive any funds in the account via check within 10 business days of account closing. That has not occurred. It is now XX/XX/23, 3 weeks since my account was closed with zero help from anyone at Truist or resolution of any kind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35811
Submitted Via: Web
Date Sent: 2023-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received an suspicious alert about a charge on my account from Regional Acceptance ; I was told the charge was for a auto payment under an account for a vehicle that I do not own ; After much research I was able to track down the fraud department- This company has allowed their customer to fraudulently use my account to pay their auto payment. The merchant is aware of the customer and keeps referring me back and forth to the bank. My local bank also agreed that the charge is fraudulent and sent me back to the merchant to request a full refund of the charges. I do not have an account with this company I do not have a vehicle with this company I do not have a vehicle with any balances I own my own vehicle out right. I spoke to several reps and provided my name, my address, and the last four of the debit card that was used. The merchant were able to verify that I have no association or debt with this company and admitted they are aware another customer made the fraudulent charges using my debit visa card yet they have not done anything to resolve the issue and reverse the charges. I need this corrected. However, no one has been able to help me and I don't know who to speak to or what to do. All I know both the bank and the merchant agreed that these charges were fraudulent and not created by me. The police report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) is already in process but it takes time to have the physical copy in hand. However, it should not take additional time to refund the money back to me especially if you have already admitted that this person committed fraud/identity theft. This needs to be resolved immediately. This person has depleted all funds in my account I am a single foster parent who fosters children and I am required to provide the highest level of care, food and shelter. This is not right. I've already cancelled the card. Charge Date XX/XX/2023 Charge Posted XX/XX/2023 Charge amount : {$660.00} Currently Cancelled Card Used : Last four of the card # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33569
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-16
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a business account with Truist Bank on a promotion coupon. Because I open the account the bank was supposed to deposit {$300.00} promotional credit into my account. I contacted the branch and spoke with a manger twice and both of them assured me that my account would receive the promotion. It's been over 6 months and I have yet to receive my credit amount and on last week Truist closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Truist bank sent me a checking account promotion with up to {$400.00} bonus. I am interested and applied online, the application was declined without an explanation. I have perfect credit score, I have a job, and own a home. So I went to the branch to open the account, they rejected me 5 times at the branch, 1st time : I was rejected because I didnt bring in XXXX card. 2nd time : I was rejected because I didnt bring my passport 3rd time : I was asked to come back next day, because it was XXXX, they dont have time. 4th time : I was rejected because I didnt bring in the promotion letter, which has the code 5th time : I was rejected because although I have drivers license, XXXX card, and passport, but my name is different from the name on the letter, even though the address is the same, even after I told them the name was wrong, nobody live in that address has that name. I think Truist bank sent me a deceptive promotion, they dont have any intention to follow through the offer for me, even after I exhausted everything I can do. I also suspect they discriminate me on race and country of origin. All 4 trips I went to their branch, they were cold and unfriendly. The experience is humiliating, the banker met me on XXXX XXXX disrespect me. The branch location is, XXXX XXXX XXXX XXXX, XXXX, AL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2023-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited an official check for {$100000.00} on XXXX XXXX, 2023 at Truist Bank in XXXX, Georgia. The check was from XXXX XXXXXXXX XXXX XXXX XXXX ). XXXX honored the check the next day, XXXX XXXX, 2023 However, Truist kept a hold on the check until XXXX XXXX, 2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Money was not available when promised
Subissue:
Consumer Complaint: On XXXX XX/XX/XXXX I have initiated two international transfers at your branch in XXXX, GA, in person. The transfers have never been executed, the bank responded to an earlier complaint on the same issue with : * Allegedly they tried to contact me for more information. I have never received such a call. * That I should just try and transfer again, using the transfer PIN issued to be. Whilst it is correct that I have also requested a transfer PIN, allowing me to perform transfers, this PIN only arrived XXXX XXXX XXXX, and when I tried to first use it early in XXXX, it was no longer valid, according to the help desk, due to the merger between Suntrust and another bank, resulting in Truist XXXX I was informed by the helpdesk that I should contact the branch, which does not have to be in person, to have a new, valid PIN issued. I have sent several emails to the branch manager, however I have received no response. I have since tried to have a cheque issued and sent to me, unfortunately your internet banking solution does not allow a bank cheque being sent to a non-US address. My bank in XXXX has confirmed that they can honour such a check. This leaves me in a position where I still can not transfer money, unless I travel to a branch again. I am XXXX XXXX, residing in XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Around XXXX through XX/XX/XXXX BBT opened a Business account online for someone using my ID, SS #, and Address. They opened an account with around {$100.00}, which they were immediately given access to, and the account was opened in the name of XXXX XXXX. All the paperwork came to my house for signatures. I called the bank immediately and explained it was a fraud and that they were going to check into it. In the meantime, I continued to get mail from BBT / and then TRUIST about the account and statements every month. I went over an hour to the nearest branch, several months later, to produce my personal ID and requested information about the account, as it was still open. Since I initially introduced myself and that I was there to make sure that the account got closed. They then informed me that since it wasn't my account I can not access any information about the account. So I can find out who may have my information and stop any further problems. There were also XXXX to XXXX credit checks and a couple of unknown charges on my credit report. I have continued to get Statements up until XX/XX/XXXX, with a balance of {$0.00} on the checking account. I again went to the bank to make sure the account was closed, because I was able to call customer service with my ID information and it pulled up the account as if it was open, I told customer service that this account should be flagged as a fraud account and was supposed to be closed. I still get marketing information from the bank and its affiliates and hate that my personal information is in their system also mentioning my business account with them. I have asked politely for them to remove any trace of my information from their systems. They informed me that it was impossible to do that. Please let me know if there is anything that can be done. There is also a charge on a XXXX account for a XXXX purchase. I have never ordered, received, or visited any of that company 's websites. I am tired of trying to fight this alone. As a recent widow, due to COVID, my options to follow up on these items have been limited. I have disputed some of the items and they won't remove them and it affects my credit as well. Please let me know if you can help. I have a huge, expanding file folder full of mail and documentation to support this claim. Contact me if you can help. I also recently received XXXX Invoices to be paid in a XXXX account with no company name on shipped products. I can't wait to find out where that goes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35611
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Truist Ban k took over Suntrust which is a bad idea. I am trying to resolve closing my account and paying an amount due on a Line of Credit. Because I moved and no Truist Bank is in my area I chose another Bank. Due to automatic payments being take from my Truist account my balance was not enough to cover the checks I had written. The overdraft protection caused the checks to go to a line of credit. In refinancing my home I thought all Suntrust Accounts were closed and I have to information on this line of credit. I get letterrs and cards from Truist and I call the numbers in the letters but I can never talk to anyone and they say " Do to high call volume we can not take your call. We will call you back. THEY NEVER CALL BACK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46131
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A