Date Received: 2023-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting that you validate the information on my report with all original documents including payment history and original contracts. You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted Truist Bank to inquire the information needed to wire funds to make a principle payment on our mortgage. I called the customer service number provided by Truist. I was told there was a maximum daily amount that Truist would accept for principle payments. That seems to be equivalent to a prepayment penalty in terms of wire transfer fees and additional interest accrued by not being to remit the amount I wanted to. The customer service representative assured me that was Truist 's policy and could not be waived. She was also not familiar at all with the information I needed and had to call me back to provide additional instructions. My bank had additional questions regarding those instructions that I was unable to get from Truist when I called again to get it, and speaking to a second customer service representative. The policy of essentially limiting prepayment contravenes our mortgage that clearly has no penalty for prepayment and feels very predatory on the part of Truist Bank. I question the quality of supervision and training that Truist is providing to their front line customer service personnel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 618XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hi, I opened an account with Truist Bank, they did not mention I would need to go in a branch. After taking XXXX dollars in deposit, they now blacked out my account, so I can not log in. They said I need to go to a branch to unlock it. So I asked them to close it and mail me a check. They said ok. They did not close it. I called a week later and now they are saying they cant close it. I want my money returned and the account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07307
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Opened an account online with Truist Bank on XX/XX/2023. On XX/XX/2023 I attempted to login to account but got a messaged saying the following : Account locked - your online access has been restricted for security purposes. To resolve this issue, please contact the Truist Contact Center at XXXX. I called the number and the representative told me to contact their fraud department at XXXX. I called the fraud department and they told me they could not provide any information to me, that I had to visit a local branch to get more information. Problem is that there is no local branches near me. Closest branch is about XXXX miles from me. I told them this info and rep basically told me to call the branch and see if they can help. I called the branch and they told me they could not help me with this request, that I need to contact the fraud department. Really disappointing experience and I had just enrolled my direct deposit to this bank and I am not able to access my money due to the unprofessional services provided by this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78526
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Beginning XX/XX/XXXX I discovered irregulaties on my account, thinking that it came from using the card at different locations. My decision was to ask for a new debit card to be issued. Before XXXX I called where the card was I was told to wait since it was the holidays. Beginning of XX/XX/XXXX I asked what was going on, we checked again the mailing address, mind you I get every check, bill and government letters concerning voting, tax at my address without any issues. I even asked my neighbors if they have problem receiving mail none of them has a problem. Again a new card was send out. Coming to today XX/XX/XXXX and still no card, I called and got the same answers. I find it absolutely unacceptable that I as private citizen had no access to my account for over 2 months. Decided to close the account, was told that my small balance ( I have been using another bank for deposits since I need to pay bills ) which will be send to me within 10 business days starting tomorrow. Let 's see if Truist is able to comply with that. I would like you to see what is going on, the latest merge of this bank does not seem to go smoothly and customers are at the negative receiving end of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX XXXX I lost my temporary debit card while stranded with a flat tire in XXXX XXXXXXXX XXXX I had requested an acquaintance to please send me XXXX to my XXXX XXXX visa after I will send him the same amount via XXXX. He did XXXX transactions for me on the XXXX and XXXX, XXXX for {$XXXX} and the other for {$XXXX}. I was out of town and had to spend the night because the shops didnt have the tire. On XXXX XXXX XXXX around XXXX XXXX I requested the same favor and sent {$XXXX} via XXXX because I didnt have enough to pay for the tire on the XXXX XXXX. The translation was immensely placed on hold, and when I called they asked me many questions and at least XXXX times over the phone to verify my identity but they didnt release the funds and instead locked my account due to suspicious fraudulent charges even though I had verified my identity many times and the validity of rhe charges. On XXXX XXXX XXXX I went to the local branch as instructed to present XXXX IDs. The banker immediately proceeded to call the fraud department but never told me what happened, what type of fraud, and only spoke and asked many questions about the {$XXXX} transfer to XXXX, even to say that I was not at the location i said where I made the XXXX transaction. They claimed that for that reason they couldnt unlock my account. A few days later and after researching my account and XXXX frauds, and calling to check balance, it appeared very obvious that money was stolen/account compromised/hacked. This was later stated by at least XXXX fraud department call center reps. The amount was not disclose ti me. I had at least {$XXXX} at the end of XXXX XXXX XXXX but the automated system said I had like {$XXXX} like XXXX days later after trying to reach that extension, and no transactions even close to the difference had been made My XXXX COMPLAINT is that the bank, to this day, had refused to verify the hacking via XXXX type fraud, gives me different stories over the phone, has made me go to verify identity at the branch over XXXX times. The second to last visit the banker said she placed a claim because apparently the fraud alert was valid, and that I would receive mail regarding this. My account was again locked for no real reason a couple of days ago. When I go back to the branch, the manager said there was no record of that claim, and actually handed me like XXXX XXXX XXXX pages with transaction history to verify! And it had been OBVIOUS TO ME that they played around with the numbers and dates, and the ending balance is at least {$XXXX} over the real balance as checked at an ATM and online. I have been treated unfairly and extremely dishonestly like if I was the criminal! Yesterday XXXX XXXX said yes at lser {XXXX hacked, and then the other lady said no flag of fraud or money hacked, and the last one said we cant help you go back to the branch!!! I mean how dare they if form the original conversation it was obvious they were handing a true fraud. Now my account keeps going down, and the transaction histories appeared tampered with as far as dates and order and the actual ending balance. I am now thanks to them overdrawn, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX not able to pay my XXXX rent, dog vaccination or even toilet paper!! After I had so much money. I should also mention that I am a victim of XXXX XXXX and this hacking might have a lot to do with my escape from that place. Its called economic XXXX, part of the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX a return deposit of {$5300.00} was withdraw from my account. The money was never deposited. A check with false information was made out to me, and someone forged my signature. The check they wrote was all fraudulent, from the company name, address, bank etc. I went to Truist on the XXXX of XXXX and started a claim with the fraud department I received a letter in the mail on XX/XX/XXXX dated the XXXX stating that Truist denies my claim. Back to the bank XX/XX/XXXX to discuss this matter with the relationship Banker, she called the fraud department and reopened the claim. I am to meet with the Banker on XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I opened a HELOC Account with Suntrust Bank in the amount of {$36000.00}. I used {$31000.00} dollars of that money and left the remaining {$5000.00} in the account. On XX/XX/XXXX, I requested the additional {$5000.00} from Suntrust Bank and it was granted. The problem is all payments on the {$5000.00} account goes to interest only, although the loans were set for principal and interest applications. I have made all efforts on the phone, by mail, and in person at local branches to correct and resolve this issue. As of today 's date, XX/XX/XXXX, they refuse to make the necessary corrections to apply the payments correctly to and bring the loan balance down. First Account in the amount of {$36000.00}, error is made on XX/XX/XXXX, the payment was applied to interest only and on XX/XX/XXXX the payment was applied to principal only Second Account in the amount of {$5000.00}, errors are made from XX/XX/XXXX thru XX/XX/XXXX by applying all my payments to interest only I would like for Truist Bank to make corrections on both accounts and in writing to please provide an explanation and action taking. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Truist Bank has submitted an incorrect XXXX relating to my account to the IRS. I received a XXXX for {$50.00} of interest earned. I did not earn the said {$50.00} in interest ( my account was only open for 58 days in XXXXbefore I closed the account ). I have made multiple attempts to have this resolved. The {$50.00} in question was not for interest earned ( as the XXXX would indicate ) but rather miscellaneous income because they issued me a {$50.00} VISA card due to their incompetent handling of my account prior to closure. The tranistion of the merger with Suntrust and XXXX XXXX XXXX has been a nightmare for all the customers, including myself. The appearance that my accounts earned {$50.00} in 58 days would indicate to the IRS that I have an account that is not being reported. The income is not interest as indicated, merely a miscellaneous income. I do not need income misreported to the IRS prior to tax filing. I do find this action by the bank unreasonable. the bank took more than two weeks, 4 phone calls, multiple text, several emails, as well as an inperson trip to the local branch all without resolution, only excuses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I settled a debt with Truist on XX/XX/XXXX for {$890.00} and sent a signed settlement letter by email XX/XX/XXXX. I continued to receive debt collection notices from Truist. I called the the third party debt collection company multiple times after receiving multiple debt collection and asked them to acknowledge in their system that the debt was paid. There was no valid reason offered as to why this had not been completed other than the information was sent to a XXXX but nothing had been completed. Payment of the debt was not acknowledged in the system until around XXXX XXXX. I am now receiving another debt collection, dated XX/XX/XXXX, for the for same account for {$170.00} for unknown fees, which I believe are possible fees accumulated from the debt not being acknowledged as paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A