Date Received: 2023-01-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We got approved for our loan modification ( after trial payments made ) XXXX and paperwork was signed and turned in XX/XX/XXXX. The process is still not complete we can not get a straight answer not to mention we have not been able to get an accurate payoff since XXXX. No one can explain or answer questions not to mention they keep asking my husband if we want to foreclose even though our payments are being made on time. We are also getting XXXX on our taxes cause they have not applied any payments to our mortgage since XXXX so we can not claim mortgage interest and full escrow on our taxes. The mortgage company keeps saying they sent us a form to refill out but wont send another one saying it shows we received it. They will not provide us that tracking number either. I think they are hoping we cave and give the house back as it is not normal for a bank to ask if you want to foreclose as you are making the payment. We need help!!!!! The bank is Truist formerly Suntrust. I have also reached out on social media and they just lie to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79705
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: WE SENT MONEY ON OR ABOUT XX/XX/2022, {$17000.00} TO TRUIST BANK TO THE ACCOUNT OF MY VENDOR XXXX OF XXXX XXXX, XXXX XXXX WITH THE WIRE TRANSFER INFORMATION PROVIDED BY XXXX ON THEIR OFFICIAL INVOICE. APPROXIMATELY XXXX XXXX LATER XXXX ASKED WHY WE DID NOT PAY THE BILL. AFTER EXTENSION INVESTIGATION WE FOUND THAT THE EMAIL SENT FROM XXXX TO VALENTINES HAD BEEN HACKED AND THE WIRE TRANSFER INFORMATION WAS FRAUDLENT. WE HAVE SPENT INNUMERABLE CALLS, SECURE MESSAGES, TEXT MESSAGES, EMAIL, PERSONAL VISITS WITH CHASE AND TRUIST BANKS. THE ONLY POSITIVE OUTCOME IS THE MONEY WAS SENT FROM XXXX AND THE MONEY WAS RECEIVED BY TRUIST. TRUIST WILL NOT GIVE ME THE NAME AND CONTACT INFORMATION OF THE ACCOUNT INTO WHICH THE MONEY WAS RECEIVED. WE HAVE CONFRONTED XXXX WITH THE ACCUSATION THAT THEIR EMAIL SYSTEM HAD BEEN HACKED AND IT WAS THEIR RESPONSIBILITY FOR SENDING XXXX FRAUDLENT INFORMATION ON THEIR OFFICIAL INVOICE WHICH THEY DENIED AND PUT OUR ACCOUNT AT THIS VALUED VENDOR ON REFUSE TO SERVICE DUE TO PAST DUE ACCOUNT. IT APPEARS THAT TRUIST BANK DID NOT VERIFY THE NAME ON THE ACCOUNT WITH THE NAME OF THE WIRE TRANSFER. HOWEVER, IF THE NAME ON THE TRUIST ACCOUNT WAS " XXXX ; XXXX XXXX, XXXX '', AND MY VENDOR DENIES SETTING UP SUCH AND ACCOUNT, THERE THEN MAY BE FRAUD IN THE ACCOUNT ESTABLISHMENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My husband passed away XX/XX/XXXX. In going through his papers, I discovered a Certificate of Deposit that he had purchased on XX/XX/XXXX, ( attached ). I am his executor and beneficiary ( part of will attached ). The CD was issues by XXXX XXXX and XXXX XXXX of Maryland, XXXX, MD. I mailed a packet of information to an address I found on the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was unable to deliver and returned the the packet to me. I telephoned banks with similar names, but none acquired this particular bank. I heard a presentation by XXXX XXXX, Consumer Protection Advocate for the District of Columbia Department of Insurance, Securities, and Banking, XXXX. His office discovered that the above bank was ultimately in the hands of Truist Bank and suggested that I contact XXXX XXXX, Truist Bank, XXXX XXXX XXXX, XXXX XXXX The Maryland State Unclaimed Property, XXXX -- XXXX and The District of Columbia Unclaimed Property Unit, XXXX. I contacted al three on XX/XX/XXXX. XXXX XXXX told me that there was no CD under my husband 's name and that they " no longer hold that relationship. '' Any unclaimed proerty would have been sent to MD or DC Unclaimed Property Units. The DC unit emailed me a letter ( attached ) stating that my husband had no unclaimed funds. The Maryland unit tols me the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Problem when making payments
Subissue:
Consumer Complaint: This company is pulling from my account on the XXXX and the payment is due the XXXX. I have had to move money multiple times from a credit card as we dont keep much in this account. I have complained twice. They said they are pulling payments in accordance with the loan terms. The loan terms state to pull on the XXXX, this is when I am paid this must be fixed. I am very upset.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a human being a natural person and I have rights under the Fair Debt Collection Practices Act. XXXX and SunTrust XXXX XXXX are governed by this act. I am disputing the below referenced inquiry because I do not recognize nor recall this debt. Please verify this debt, specifically the contract, note or other instrument bearing my signature. SUNTRUST XXXX XXXX- Inquiriy because I am disputing this debt, it should not be reported to or by the credit reporting agencies. It has already been reported, so please contact XXXX and inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctl violates the Fair Credit Reporting Act. Aside from the verification of this debt, the creditor MUST NOT CONTACT ME ABOUT THIS DEBT. The Fair Debt Collection Practices act, 15 USC Section 1692c requires that they honor this request. Their cooperation is appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After a long week of work I was thinking yes I got my check. However, XXXX XXXX the check and it was said it was fraudulent. It was not under my control.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2023-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My account was hacked through XXXX and as I was told by my bank to try to get the money back from the merchant I did but they didnt help me at all. So I was told to try to get the bank to get my money back which was {$1100.00}. So I started a case with them and sent them all the information they needed. My mother is the one who sent it since she has a fax machine and keeps records of it and they confirmed they have it and they said now I just have to wait and I said ok with a relief. A month passes by I call just to see whats going on and they tell me my case has been closed and I said I never received anything back and they said I took to long to send my information and I told them I sent everything over to them and they said they couldnt find anything. And I asked what can I do now they said its to late that I took to long. This isnt fair Ive been trying to get my money back I left suntrust
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Truist Bank continues to let the XXXX XXXX XXXXXXXX bill my Truist credit card despite my repeated communications to both organizations that the charges are not authorized. In XX/XX/2022, I noticed that the XXXX XXXX had been charging monthly charges ( $ ) to my Truist credit card. Neither I, nor anyone in my family has any recollection of setting up the subscription. That month, I contacted the XXXX XXXXXXXX which didn't have any record of an account associated with any of our family email address. They could not find my account based on the Truist credit card details. They said they could not do anything about ceasing the charges. I have contacted Truist multiple times about refusing these charges. Truist most recently said they can not decline the charges from XXXX XXXX XXXXXXXX because .... " Our investigation revealed that the transaction ( s ) are valid. Your case is being denied based on the following : Evidence shows this purchase was a recurring transaction and we have received no evidence that shows this authorization was cancelled. '' So Truist 's de facto position is that I must pay these charges in perpetuity unless I cancel my credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-27
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: In XXXX of XXXX Truist Bank sent a Release of Lean letter along with a free and clear title on a vehicle that we had direct withdrawal payments on. Then in XXXX Truist Bank sent a loan payment letter stating that I have XXXX in outstanding loans with them. During the investigation Truist Bank said that the payments were for a XXXX vehicle that was traded in back in XXXX. Once we advised Truist that the vehicle make/model in their records was for a vehicle that we traded in back in XXXX they then found/updated the vehicle on record to be the XXXX make/model that we have traded in as well as of XX/XX/XXXX after receiving the Telease of Lean letter and free and clear title back in XX/XX/XXXX. Then in XXXX of XXXX Truist Bank sent us additional paperwork stating one again that the loan for the vehicle had been paid off. Now 8 months later Truist Bank is coming at me with a request to pay for a vehicle that I no longer own. I tried to work it out with Truist Bank and even offered to split the difference that they say is owed. Every attempt to ( work ) something out came with the same response, we appreciate the effort on your side but we want every last penny or we will negatively report to the credit bureau. After having the title in hand for 7 months and multiple letters from Truist Bank stating that the vehicle was paid in full we traded the vehicle and entered into a new loan agreement on another vehicle. It is my opinion that Ive tried to bend here and bend there to rectify THEIR mistake but Truist Bank is not bending at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to you because you are reporting inquiries on my credit report that I do not recall. Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A