Date Received: 2023-02-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On Friday XX/XX/2023 all of my Trust accounts ( 4 ) disappeared from my online banking portal, and I lost access to them. After spending a lot time with my local branch associate, we found out that " corporate '' made a programming improvement that disappeared everyone 's Trust accounts. Now 11 days later I still have no access. Truist has not sent a single email or reached out to me to explain what happened. They're " customer care '' is a total joke, because they have none. This is an outrage! I have 6 personal accounts and 12 business accounts with Truist. I am going to start looking for another bank ; one that actually gives a darn about their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Truist Bank mishandled over {$300000.00} dollars in funds and I have in my possession a screen shot of a check and deposit slip from another customer of Truist. My business account ended up negative - {>= $1,000,000} which in turn my book keeping service and XXXX XXXX flagged me as fraud and would not release any of my wire transfers to my bank. It took over a week of back and fourth to resolve this issue. I was advised by Truist via phone call ( after being transferred multiple times and ending up in the fraud department ) to go into the branch where this took place because they could not resolve it on their end. I was told I could not even speak to the XXXX XXXX due to having a full schedule and leaving for vacation the next day and to set out an appointment WEEKS out. After stating I was not leaving until this matter was handled XXXX XXXX brought me in her office and after sometime the XXXX XXXX did join us. The XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX refused to write me any type of letter that this was a banking error and told me not to call corporate. Both woman had said very similar things to me when both parties were not present even after XXXX XXXX could not stress enough that she no idea this happened and I do believe they are doing something illegal by the way they treated this is situation. They both used gaslighting and manipulative techniques to avoid me going to the police or a lawyer about this. XXXX visible looked distressed when I told them I had pictures of checks and deposit slips. After I told them I would refuse to leave without them taking some sort of responsibility for this they wrote me a letter but did NOT include all charges and said that was the best they could do. I asked why I wasn't called or told what happened with my account and XXXX told me that I was called. I missed the call the day before approximately XXXX and when calling it back they did not have a voicemail set up and they did not leave a message. My guess this was done on a personal line. This was the most bizarre and unprofessional encounter I have ever had. They did correct my bank account that day, but I still have a very bad feeling about all of this. I have multiple screen shots of all XXXX charges, a check written from XXXX XXXX for {$170000.00} and the letter they wrote. Again, I can not stress enough that this was the most unprofessional and insane meeting I've ever had at a business. I did receive a phone call from XXXX XXXX at Truist bank after summiting a claim to the Florida Attorney General 's Office and here is the Case # XXXX. However, I just saw the email from XXXX XXXX XXXX XXXX XXXX XXXX stating this : " In addition, we encourage you to contact the Consumer Financial Protection Bureau ( CFPB ), a federal consumer agency which reviews complaints about banking issues and consumer financial products and services. You may reach the CFPB at ( 855 ) 411-2372 or http : //www.consumerfinance.gov/ '' I am just trying to do the right thing so this doesn't happen again to someone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Truist Bank of XXXX NC has destroyed my Personal Identity on the Current XXXX Credit File in the Claimant that is Initiating this Criminal Investigation into Fraud on XXXX XXXX XXXX with Impunity with XXXX XXXX of XXXXTruist Fraud Resolution Specialist and North Carolina Commissioner of Banks XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX FBI XXXX XXXX XXXXXXXX Credit File Fraud Specialist XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Investigate with Impunity Immediately!
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: 2023-02-14
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: My checking accounts were closed without giving me justifiable cause and they don't want to open personal checking accounts for me and they also don't want to open business accounts for me and I have an employer identification number ( EIN ) that the IRS assigned to me, preventing me from starting to operate with my business which contributes or is a cause of recession, if I can not have a checking account they are preventing me from meeting my financial obligations and paying my debts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33135
Submitted Via: Web
Date Sent: 2023-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My wife and I created the XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. This is still valid, it has been valid with XXXXXXXX XXXX then BB & T and now Truist. In XXXX of XXXX we added an XXXX XXXX XXXX. This is The XXXX and XXXX XXXX XXXX XXXX it is dated XX/XX/XXXX. on XX/XX/XXXX this was filed with a local Truist branch. Both trusts are identified by my social security number. This is stated in section 1.07 No New Tax Identification Number for the Trust. " Pursuant to federal income tax law, this trust qualifies as a " grantor trust '' for income and estate tax puposws in accordance with Code Sections 671-678 and is not required to have a separate identification number. The identification number for this Trust is either of our social security numbers ( see Code Regulation 1.671-3 ( a ) ( 1 ) ). Their 'back office ' wants to recharacterize our private trusts as business trusts. They never contacted me, our Truist branch. They just arrogantly and arbitrarily made ur are making unilateral changes to our accounts. It should be noted the original trust of XXXX is still in effect, the Legacy trusy of XX/XX/XXXX in also in effect. They have been with Susquehanna Bank, then BB & T and now Truist. No problems until this 'merger ' of equals. If more info is needed contact me or my attorney. 2NOTE : My State of Maryland contact used the phrase 'Systemic Problem ' once I told her my sources had indicated approximately 60,000 accounts have been impacted. This was sent to XXXX XXXX This came to my notice on Monday XX/XX/XXXX, I called one of the Truist branches I deal with. The banker, XXXX, said yes his phone had been busy. The 'back office ' wanted to make our trusts into business trusts, all without my concurrence or even notice. nothing was done, no phone call from Truist, no email. this dragged into Friday the XXXX. I found a XXXX affiliate in NC that had, a year ago, a story on Truis and Social Security issues. So I called, talked to a 'reporter ' she took my info and contacted someone in Truist XXXX That as XXXX on XX/XX/XXXX. By XXXX a phone call from a Truist employee about my problem. I did not know this person nor his branch. It seemed my TV contact had hit a nerve. But arrogance dies hard. Today I filled with the North Carolina Commision of Banking. This was at the recommendation of the Maryland State Banking Commission because they think 'Sytemic problems exist in Truist for this behavior. I can supply the file number if you need it. So the Maryland Banking commission also offered your contact information, so here we are. XXXX XXXX XXXX XXXX XXXX XXXX Apt XXXX XXXX MD XXXX XXXX XXXX IF NEEDED Attorney XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21228
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I was trying to make a mobile deposit around a year ago for around {$79.00} and I made a small error and tried correcting it where my account was flagged with fraud. When I got flagged with fraud, I got locked out of my account. I called them and was then transferred to the fraud department and explained to them everything and they told me it was an honest error and they would try to fix it. I couldn't login into my account because it was being reviewed. I then started being charged every month in fees until I went negative, then I received another letter after a while saying my account has been closed and my negative balance has been removed. My account was already closed so not sure why I'm even still getting letters. I never got any of the money I tried to deposit, they took all of it. Today, they sent me a settlement letter stating I have to pay {$26.00} in debt. What am I in debt for? They took the very money I tried to deposit. They charged me in fees and left me with {$15.00}, which was all used up in more fees but my account was already confirmed closed, so how and why was I being charged? It stayed quiet until today XX/XX/XXXX which is when I got the settlement letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I was lied to tried to close this account they told me it was but items kept hitting. Was frauded for XXXX dollars thru a fake loan company. They also on the same day gave me XXXX and XXXX dollars and my husband within hours of one another.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: XXXX morning XXXX about XXXX I tried to withdraw XXXX dollars off my payroll card and the ATm said they were having technical difficulties... But they withdrew the money off my card and I received no funds from the ATM... I went to the bank at lunchtime because the card company told me to ... the bank said they couldn't do anything it was the card company responsibly... I work hard for my money and I need my money refunded to my card and I'm getting the run around... please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I received a corrected 1099r from Truist for my annual Ira Distribution. The following day I returned to Truist in XXXX, Florida to find out if the distribution was transferred into my Truist checking account. The Bank Officer could not locate where my distribution was transferred and ask that I leave my phone number and he would get back with me. To date I have not received a call back from Truist. Please help me to locate my money. Respectfully XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my credit profile in XX/XX/XXXX, I identified a discrepancy with the account listed under XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again in XX/XX/XXXX and the account continues to reflect on my credit report. nor has my credit report been updated to reflect that the account is disputed/deleted. I find that the creditor does not have the authorization to access the account nor authorization to attempt to collect on the account and the account continues to NEGATIVELY affect me. Several laws/ codes have been broken as I have all right to protect my personal information. Please REMOVE / DELETE this account effective immediately from all credit bureaus ( XXXX, XXXX, XXXX ) 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. 15 USC 1681B : 15 USC 1681S2 : Responsibilities of furnishers of information to consumer reporting agencies 15 USC 1681i ( 7 ) : 15 USC 1681e ( b ) and Cares Act has resulted in an FCRA violation
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A