Date Received: 2023-02-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had a checking account with XXXX since XXXX. Since that time my name has not changed, my address has not changed, my phone number has not changed, even my email has not changed. I am in the local branch office 2/3 times a month and know most staff on sight. On Saturday XX/XX/XXXX I was unable to sign in to my online account to use bill pay and to XXXX. I tried 3 time without success and finally called customer service since it was a Saturday and no branches were open. I was told I was not authorized to sign on the account. The account is registered to my trust and is my primary account. I told this person they were mistaken. No changes have been make to the account since it was opened. I was told I had to go to a branch on Monday, so no access to my funds no access to my bill pay and no ability to send my daughter a birthday XXXX transfer! On Monday I went to the local branch that we use and staff said I had to fill out some paperwork as there was a system upgrade that locked me out of the account. I asked where the original documentation was from when I opened the account., they did not have or could not find it. I got my estate documents and went back to the bank. Filled out the paperwork I was asked to and they uploaded it to the system. I asked could they call and get me access to my account again, they could not a supervisor had to review the paperwork and she was not in the office. I waited until Tuesday figuring the system had to upload overnight. I was unable to get into my account and again called Truist customer service. They said they could not help my and it may take another 3/5 days. I am unable to pay bills, I may incur some finance charges. I have a XXXX XXXX XXXX and have never been late with a bill in my life. Truist does not seem to understand how important this is to me. I never got a phone, email or letter indicating any problems with my account. I was in the branch just 2 days before this occurred and no teller said anything about any issue. My pension check is direct deposited as is my social security so it will take time if I want to move my funds elsewhere. I get the sense I am not the only person that this has happened to. I am a XXXX XXXX who tries to do the right thing. Who hold big banks accoutable to do the right thing as well?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist paid my property taxes to the county late and now there is a fee being assessed due to the failure to submit a timely payment from my escrow. I have received notice that my name will be published in the newspaper as a tax delinquent unless this is remedied by the XXXX of XXXX. I have reached out to Truist twice, spending over an hour on the phone trying to get some assistance, and have been disconnected both times from their tax department. Truist 's tax representative told me ( before I was disconnected ) that according to their records, they paid my property taxes in XXXX of XXXX. However, the county tax office received payment on XX/XX/XXXX for taxes billed in XX/XX/XXXX. This was past the county 's three month grace period and I have now been assessed a penalty. If my name is printed in the paper as a tax delinquent, it will cause irreparable harm to my reputation and career, and this needs to be addressed immediately. I have just been transferred from department to department and nothing has been done by Truist. Since Truist bought my mortgage, it has been errors upon errors by this bank and I am frustrated that I keep losing both my time and money because of their negligence and failures. This should absolutely not be allowed to continue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Other transaction problem
Subissue:
Consumer Complaint: Transfer money to nephew using XXXX through bank accountTruist on XX/XX/2022 Discovered recipient had closed account. 1. Tried to cancel money transfer. Closed recipient, removed name from my account. 2. Called bank. Told transfer had gone through. 3. Demanded to speak with supervisor. XXXX said need to wait 4-7 business days for automatic correction. She stated nothing could be done until transaction cleared. ( Best of my recollection. I insisted that a record be created of my issue. XXXX said ok. Requested a copy was told they do not do that. Did not hear from my bank. XXXX. Meanwhile, the recipient of my transfer checked with his bank, and confirmed checking account closed inn XX/XX/2022. His bank promised to investigate. On or around week of XX/XX/XXXX my recipient 's told me his bank recommended I contact my bank ( Trust ). XXXX. On XX/XX/XXXX contact Truist. Bank representative asked me if I wanted to dispute the transfer. I said yes. She said it would take a week or so and I should call back. XXXX. XX/XX/XXXX, I called the bank. Bank representative said no record of dispute being filed. She contacted another office to investigate my issue. She said they reported that their files shows that my transaction was completed, the recipient received the funds. I disputed this since the account had been closed. The representative then proposed that I contact the person I transferred the money to. At first I agreed, later I decided this would unlikely solve my issue and told her I would file this complaint. I have a copy of the transaction receipt with XXXX if it's needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card was stolen from me and fraudulent charges where made on my account. I have advised truist on many occasions that the card has been stolen and there are many fraudulent charges on the account. Recently they sent a bill for {$1400.00}. This account balance is incorrect. I was also advised that they would remove all charges and fees from truist since the card was stolen. However that is not the case. They continue to add Truist fees and charges even though the card was stolen. I was also advised by truist not to make any payments on the card until the investigation is complete. However, Truist closed my account instead keeping it open and completing the investigation. The fraudulent charges need to be removed from my account as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2023-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Unauthorized inquiry to my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2023-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was recently sold to Truist Bank by XXXX XXXX. The notice stated that my mortgage payments would remain the same. As soon as I received the necessary paperwork, I began making payments to Truist Bank online. All mortgage payments have been on time. Yesterday I received a notice saying that because Truist was not not able to predict the amount of money needed to cover insurance and taxes they would increase my monthly escrow by {$43.00}. If they had looked they would see that both insurance and taxes were paid last XXXX, and my mortgage had been adjusted down because I had been paying too much into escrow. I seriously doubt that either insurance or taxes will go up by anywhere near this amount. While stating that my mortgage payment would remain the same, they get around raising the monthly mortgage payment by increasing the escrow. I do not believe there is any real need for this increase. If interest rates had not gone up so much since I took out this mortgage I would look for a mortgage with another institution. But since rates have gone up so much there's no way I can refinance without paying a lot more in interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This past weekend XXXX Truist took away access to my checking account online without any prior warning. After many phone call and a visit to the local branch and an email to their XXXX team, I still don't have access to my account and can't pay my bills. I have over {$60000.00} dollars in this account and need to pay my bills. Please Help! XXXX XXXX Phone XXXX email : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I opened a new checking account with Truist Bank, online. I created a login and was given access to my account, routing number and account number. I was able to log in without any issue, so I set up my company direct deposit to go into this account. A few days later, I tried to login to the account and received an error message stating that my account was locked due to security concerns. A friend of mine had also opened a new account and got the same issue a few days later. I called the number provided on the error popup and was told by an agent that they could not unlock my account, that I needed to come into the branch to fix this. This makes absolutely no sense as I have provided all of my personal info, identification, etc. I asked to speak to a manager and was put on hold for half an hour, and when the agent picked up, he pretended he couldn't hear me and hung up. I called back again and asked for a manager and was put on hold for another half hour and had to hang up because I have a job and can't sit on the phone with Truist bank all day. I believe they want customers to come in to the branch for a sales pitch, or because they want to limit the sign up bonus offer that they have out right now for {$400.00}. To me, this is a bait and switch signup process. They offer a very simple and easy online signup process that is too good to be true, they want customers to come into the branch and if that's true they need to state that upfront and not lie to prospective customers. By the way, they have my money and I am unable to access it at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75252
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This complaint is against REGIONAL ACCEPTANCE Until viewing my credit file, I had never heard of this company. I have been disputing an inquiry this company placed on my credit file, without my permission. My initial dispute started in XXXXXXXX XXXX XXXXXXXX. All three credit bureaus come back with first a stall tactic and then a fake validation letter. According to the credit bureaus, they have confirmed with this company that the inquiry belongs to me and that you are not removing it. I Demand that you do IMMEDIATELY! I have lost all my patience and this is the final attempt before I file legal action against this company. I have been the victim of ID theft. I was in a motorcycle accident early last year and someone made an attempt to apply for unemployment in my name. I have XXXX XXXX XXXXXXXX from my job so knew this wasnt me. A few months later they made several attempts to obtain credit cards and car loans in my name. There are several inquiries from various companies, 1 from Regional Acceptance on my report. No one in their right mind would put that many credit inquiries, apply to the same company, in such a short amount of time. I have not applied for any auto loans or credit cards and do not wish to. It's obvious this is fraud. Since this agency is reporting that the inquiry is valid then I demand to see the proof. Also, prove that it is actually me that made the inquiry 1.I demand the original credit application signed by me, showing my wet ink signature? You dont because it doesnt exist. 2.Did you even make an attempt to investigate this matter to prove it was actually me? Again, no you did not as I was never contacted by this company in regards to this so-called fake investigation. 3. I demand a full ledger of every step of your investigative process, for each dispute submitted by me. To continually ignore my request for validation shows malicious and willful noncompliance, which is against Federal Law. You have violated many federal laws in The Privacy Act of 1974. One agency is not allowed to share information with another agency without a consumers consent. 15 UCS 1681 Section 604 A Section 2 - clearly states any furnisher of consumer reporting is to have written consent from the consumer before reporting and item. Regional Acceptance did not have my consent. I have reported this fraud to the proper authorities. I am demanding you remove all inquiries made by this company to all three credit bureaus immediately. Federal law states that fraudulent items are to be removed within 4 days. You have run out of time. If these inquiries are not removed and proof of this action has not been sent to me I WILL TAKE LEGAL ACTION AGAINST YOU. Violation of the Fair Credit Reporting Act is {$1000.00} per violation. Since you have decided to ignore or perform proper due diligence when I demanded an investigation, you are responsible. You are the furnisher of this information, so the burden of proof and all liability is on you. At this time, I am demanding {$1000.00}, for the violations and the immediate removal of all inquiries from this company. The following inquires were placed fraudulently on my report on 1. XX/XX/XXXX Your expeditious handling of this matter is expected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Truist will not release our funds and close our account without personally visiting a Truist branch, claiming the account is dormant. We've been accessing and monitoring the account for years virtually. We live in XXXX and the closest branch is states away. They are holding a LARGE sum of our cash and paying pennies per month. Closing our account should not require expensive travel. The bank refuses to make any other accommodations for us to move our cash.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2023-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A