Date Received: 2024-03-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: someone used my name, birthdate, and social security number to open a credit card with this bank. Date opened XX/XX/2023 {$15000.00} Filed disputes with XXXX, XXXX, and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55105
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. Do NOT include any personal information such as account numbers or Social Security numbers On Tuesday XX/XX/2024 wwnt to Truist XXXX XXXX branch to cash and deposit a check, into one of my 2 checking accounts.since one of the accounts was overdraft by {$110.00} dollars the teller ask me if i want to depostit in the overdraft account i said no iwilltake care of that later since im trying to recover from a week of not work for a medical problem. I make the deposit of {$110.00}. Next day wednesday XX/XX/XXXX i notice that a transfer has been made by the bank from one account to another to cover the overdraft without my consent and the account its not longer active. Icalled customer service and they confirm that a bank employee made this transfer from the branch so i asked to speak with a manager to open a complaint and request my money back, so she said that she open a complaint but the refund most be worked with the branch.i called the branch the same day and discover that nobody did the complaint report, after several atempts to contact some one at the branch that can help me they just write my info multiple times so the branch manager can return the call. I only got a message from the manager stating that if the bank did that transfer is because they can finishing the sentence with I giess. How can your complaint be satisfactorily addressed? Credit my accoumt with the {$110.00} dollars that they take from my account without my consent or even a communication. And prohibit them from doing transactions on clients accounts
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a mortgage with truist my mortgage payments have not been reported since XXXX I called the mortgage company they told me to file a credit dispute they sent me a letter acknowledge that the information but still have not reported it to the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and me went in lobby to withdraw {$11000.00} XX/XX/2023 at XXXX XXXX. The teller only gave me {$10000.00}. We didn't realize until we arrived home and opened folder. I immediately called bank since I live 30 minutes away, I was told my teller had gone home for day so they would call me next morning. I waited the next morning and got no call so headed to bank. I spoke with XXXX XXXX the branch leader. We counted the money together and both verified it was short {$1000.00}. He said he would start an investigation. I brought to his attention that the teller was not very focused on my transaction and was instead complaining of coworkers to drive through tellers. I mentioned my teller asked drive through teller to borrow the {$800.00} for my transaction to help the investigation. Days passed and I got no news so I went to bank again, and XXXX said his superiors would be in the next day to watch cameras. I got a call the next day XXXX said no error was detected. I asked to be allowed to watch cameras he said I would need to hire an attorney. I know that cameras should clearly show the bundle of {$10000.00} she grabbed and obviously where she borrowed the {$800.00} from drive through teller so where is the {$1000.00}? I sold my vehicle to pay off debt and that is how I had that money ; I don't have money to hire attorney and find it very unfair that bank handles business this way. I know I was short serviced and camera viewing would show it. If banks wasn't t hiding nothing, why act this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Truist Bank XXXX XXXX Dispute Analyst refused to submit my claims to XXXX with the correct Mitigating chargeback codes relevant for my fraud claims as a XXXX for misrepresention l gave them all the documentation & proof provided to their email response & spoke with several managers that the Analyst was promised to respond to my appeal requests as evidence showed that these credit refunds should have been permanent. Managers refuse to reopen the cases & let me speak with the lady who was assisting me with my Provisional credits. I do not owe the bank this money & unless they can provide proof from XXXX who says Their dept never submitted my claim for investigation that the money needs to be returned back into my account today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23321
Submitted Via: Web
Date Sent: 2024-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My mortgage is held by Truist Bank. My homeowners policy was scheduled to renew XX/XX/XXXX. Approximately one month in advance of the renewal, Truist paid the renewal premium to the carrier. This caused by monthly mortgage payment to increase because the renewal premium was expected to increase approximately {$1200.00} annually. I called Truist and advised them that I was changing insurance carriers to because I was able to get a rate lower than I had in XXXX, so my monthly payments should actually go down. Because they had already paid the renewal, they indicated I would have to wait for the original carrier to refund me. I would then need to refund Truist before they would recalculate my payment. When I called back to advise Truist that I had refunded that money back to my escrow and wanted my payment recalculated, I found that Truist had made another payment to a carrier for a policy that is NOT in my name, NOT for my address, and has NO affiliation to me whatsoever. That payment was for the amount of {$6700.00}. They told me I would have to continue to pay the increased monthly rate until they got the money back from the erroneous payment, even though it was not my error in any way. To date, the have refused to issue a credit back to my escrow for their error. They said they could " request '' a corporate payment back to my account, but that it would take at least 15 days. This never occurred. I have called and spent hours and hours on the phone, but the situation still had not been corrected. They told me endless times that they WOULD NOT recalculate my payment, even though they were aware of the error and that I was in no way at fault. Over the weekend I received a notice from Truist that my payment would be going up another {$810.00} per month because of a recalculation that they did with the erroneous payment. I have received no calls back from Truist and have continued to have to call them over and over to get this corrected. They are penalizing the customer for their own errors and have not corrected the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80013
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Fees or costs during the application process
Consumer Complaint: During the Truist application and approval process we were notified that we were on a " float option '' for our interest rate. When rates started to drop a little I called my loan office and asked her what the rate for that day was. The date was XX/XX/XXXX and we were not closing for another 5 months. She advised me that the rate for that day was 6.875 % and asked if I wanted to lock in. This was the exact rate that we set for our budget so I called her back and asked if we could lock in and what we needed to do. She said to just tell her we wanted to lock in and that was it. So we locked in and she called me back to let me know that we needed to pay {$1700.00} for a rate lock fee. I was shocked and asked her if we would be getting this money back and she assured me we would at closing so I told her as long as we would get it back I would go ahead and pay it. We received a loan estimate updated to the locked rate good through XX/XX/XXXX. We had received poor communication with the loan officer throughout the process but it got worse and I shopped the loan. When the new mortgage company looked at the disclosure they asked what the points were for. I didnt know anything about points so they explained them to me which XXXX me. I called the loan officer to find out what the points were for and she never gave me a direct answer but found out that she charged us XXXX points to get that rate to 6.875 % without asking us if that is what we wanted to telling us that is what she did. We would have NEVER locked in 5 months before closing if we were given the correct interest for that date! Now they are telling me we cant get that money back. This is not fair as she should have never charged {$5000.00} in points without asking if that is what we wanted. She failed to give us the interest rate on that date and gave us what she wanted with buying points. I dont know if she benefits from this is some way or why someone would do that without disclosing this was what she was doing and nothing was signed for the rate lock and it is not clear at all on the disclosure statement. They need to refund the rate lock fee as they hid those points and took 3 days for the loan estimate to be updated and being too late to back out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28012
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Recently, I attempted to make a scheduled payment online, only to discover that access to my account has been unjustly denied. This has prevented me from making timely payments, thereby accruing unnecessary interest and fees, which I believe is unfair and detrimental to my financial standing. Upon noticing this issue, I promptly reached out via email seeking assistance, only to be advised to call your customer service. However, I find that a phone call should not be necessary for a matter that can be resolved through granting access to the online portal. My request is simple and straightforward : I need immediate restoration of access to my account so I can fulfill my payment obligations without further delay or financial penalty. Moreover, the accruing of additional charges due to this access issue raises concerns about the bank 's practices as outlined in its prospectus. I am deeply troubled by the possibility of this being a tactic to push towards the repossession of the vehicle. Therefore, in addition to requesting immediate restoration of my online account access, I hereby request the following information regarding my loan : 1. The CUSIP number associated with my loan. 2. A detailed activity statement of my account including any and all transactions, interest accrued, and fees applied. 3. Copies of any 1099 forms issued in relation to my account. 4. Detailed information on how my application and any loan securities associated with my account have been utilized, including whether they have been traded or have earned interest. I also want to make it explicitly clear that I do not authorize Trust Bank to share my personal information ( including my name, home address, etc. ) with any third-party company that is not owned by or directly affiliated with Trust Bank , in accordance with my rights to privacy and data protection. I trust that Trust Bank values its customers and will address this matter with the urgency and seriousness it deserves. I look forward to a swift resolution that enables me to manage my loan responsibly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a hard inquiry on my credit report from LightStream bank and it was supposed to be a soft credit pull. No where on their site or in their XXXX XXXX XXXX did it say that it would appear as a hard credit inquiry on my report. I never received the loan, nor did I get a reason why I got declined. Either way, I think its unfair for me to have a hard inquiry on my account from a bank that provided little to no clarity on the process. In addition to that, most alternative lending companies do soft credit pulls so you can see what rates you qualify for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2024-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-01
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I made a payment in full to close the account for this daily accrual interest loan on XX/XX/XXXX but was told that it takes two days to process the payment. I was charged interest over the two days that it took THEM to process the payment which resulted in an extra {$1500.00} that I still had to pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2024-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A