Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ive had an ongoing issue with my bank ( Truist ) since XX/XX/XXXX. I have been back-and-forth trying to get this resolved with both financial institutions. ( Truist and XXXX XXXX ) and still no resolution. The attorney generals office advised to contact the consumer finance department - It is imperative, I speak to somebody regarding this matter, not only to help resolve my issue, but because it was brought to my attention, that my bank, Truist, has committed fraud by illegally hand writing in an account number on one of my checks when they re-deposited for payment XX/XX/XXXX, I deposited four checks each in the amount of {$500.00}, totaling {$2000.00}. My bank took out {$500.00} on two separate dates. ( XX/XX/XXXX and XX/XX/XXXX ( total if {$1000.00} ) stating one check was returned and the other {$500.00} deduction out of my account was for an adjustment case. I have contacted XXXX XXXX numerous times regarding the situation, and after speaking to many representatives, including the supervisor XXXX at the corporate office, they all informed me and sent a letter and the checks stating that the checks were paid/cashed. XXXX XXXX advised me to contact my bank and have my bank contact XXXX XXXX to resolve. After my bank manager told me she was not going around and around with me anymore and removing this from her desk, I then contacted area supervisor, XXXX XXXX, up in XXXX, in which he told me, my bank manager should have stood by me until this was resolved, he promised the same Now he directed me to another branch manager up and XXXX XXXX, South Carolina, after speaking to her, XXXX, and explaining to her that XXXX XXXX confirmed the checks were paid, and that they asked for Truist bank to contact them to resolve, she ( XXXX Truist manager ) told me that they can not speak to XXXX XXXX. I work a full-time job, I am a single mother, and {$1000.00} is very valuable to me. I need help with getting this resolved and finding out who has my XXXX dollars. I appreciate your help in this matter and Im willing and able to send you any or all documents I have on this case. This has been a long drawn out process, that has caused me not only Time but a lot of XXXX XXXX. Thank you in advance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom This May Concern, A XXXX-day late payment was filed against me last week from SUNTRUST BANK that I did not recognize, I had done some research and it turned out that XXXX XXXX had sold my loan to TRUIST BANK ( ALSO KNOWN AS SUNTRUST BANK ). I had reached out to XXXX XXXX, and they stated that my loan was in fact sold to TRUIST BANK back in XXXX and I should have received a notice from TRUST BANK also and provided me with TRUST BANK account number. I had reached out to TRUIST BANK on XX/XX/2023 and they acknowledged that they had both the incorrect contact number and incorrect address on profile. - The representative from TRUST BANK had acknowledged that the mailing address on profile is not a valid address, the zip code only had four digits, the mailing address shown on their profile which they claimed is what they received from XXXXXXXX XXXX is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX. The correct city should be just XXXX, and the correct zip code should be XXXX. - The representative from TRUIST BANK had acknowledged that their account had the incorrect contact phone number as XXXX which is not my contact number. - The representative from TRUIST BANK had confirmed the error that they would file the dispute from their end to all three credit bureaus and I should be receiving the results in XXXX business days. I have not yet received an update on the dispute result. - The autopay Ive setup with XXXX XXXX was never carried over to TRUST BANK which results in the late payment and since TRUIST had the incorrect contact and mailing address I was never notified. - No email/letter/phone call was made from XXXX XXXX regarding the selling of the loan to TRUIST BANK - No email/letter/phone call was attempted by TRUIST BANK regarding the purchasing of the loan from XXXX XXXX. - I have not yet received any letters from any of the three credit bureaus and would like to also file the dispute myself because this negative impact has brought my credit score from XXXX down to XXXX. - I have filed a dispute with XXXX and the result just came back as of XX/XX/2023, the status shows the account is updated but still with a XXXX days past due balance and nothing was fixed, my credit score is still at XXXX. - All three credit bureaus should have the 90 days past due from SUNTRUST BANK/TRUIST BANK removed and my credit score should be back to XXXX points. - XXXX still shows my balance with SUNTRUST Open. with XXXX days balance of {$5.00}, XXXX past due as of XX/XX/2023. This should be {$0.00} balance as of XX/XX/2023. Best Regards, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92865
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I bank with Truist bank. On the dates of XX/XX/XXXX and XX/XX/XXXX someone duplicated my debit card and charged {$2100.00} worth of fraudulent charges at a XXXX XXXX in XXXX XXXX Florida using the duplicated debit card. I called Truist and let them know someone had duplicated my card and made fraudulent transactions using the duplicated card. Truist claims that their debit cards can not be duplicated so I had to be present and using the card at that time. However, I live in XXXX, Maryland and was in XXXX, Maryland at the time of the transactions at a work retreat. I have 19 people who can attest to my whereabouts on the dates the transactions occurred. I submitted proof to Truist Bank that I did not make the transactions and that I was not in Florida at the time of the transactions. I also walked into a bank branch on XX/XX/XXXX and Truist representative acknowledged this and cut up my cards and opened all new accounts for me. Now Truist is denying my claim of {$2100.00} even though their systems allow for duplication of truist debit cards. I repeat I was not in Florida where the transactions took place. I have proof of this. I did not authorize the purchases I have proof of this. Truist is liable and needs to refund me for the fraud on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Re Truist Bank XXXX XXXX, XXXX On XX/XX/XXXX, I deposited a cashiers check in the amount of {$5000.00} at a Truist Bank branch in XXXX, VA. I asked the teller when the funds would be available to me and she said in a day or two. Two days later, XX/XX/XXXX, I checked my account online and it stated that the {$5000.00} was included in my Available Balance. I then paid some bills and withdrew {$1500.00}. Later that day I was shocked to see a Return Deposit Item showing the {$5000.00} had been deducted from my account, leaving a negative balance. I since discovered Truist didn't realize the cashier 's check was counterfeit until after they listed the amount in my Available Balance. That meant I not only lost {$1500.00} but also accrued overdraft fees in the amount of {$100.00} related to bills I had paid. My bill paying and cash withdrawal on XX/XX/XXXX, were made in good faith based on the assurances from the teller and Truist 's online banking information ( see attached documents ) that explain the deposit process and available balance. Any customer would have a reasonable expectation that such plain language would be true and accurate and could be relied upon. Well, they would be mistaken, as I was. Simply put, they are neither true nor accurate. In fact, they are unreliable since they are deceptive, dishonest, false, and fraudulent. In other words, lies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Managing an account
Subissue: Deposits or withdrawals
Consumer Complaint: My mother found 2 certificate of deposits in an old safety deposit box in XXXX, NC. One CD is for {$1000.00} and the other CD is for {$1400.00} that were purchased by her by were for myself when I was little. They were issued by the XXXX XXXX XXXX XXXX XXXX in XXXX, NC. Upon further research, it was determined this bank is now Truist. When she went to the bank to attempt to cash them in, she was told there was no record of them and they would not be able to give her the money earned. I have attempted to get ahold of Trust to see if anyone could help me but have had no luck and would like to cash in these CDs so I can put the money in savings as my mother had originally intended when she purchased them in XXXX and XXXXI have attached a picture of the CDs to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-24
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I had not been checking my credit regularly. Last XXXX I attempted to open a credit card at XXXX XXXX. I was denied my request. I received a letter stating I had deliquent charges. I decided to review my credit report via my bank and noticed that i had dropped dramatically. I then realized that there was activity with Truist Bank which I had not done. I went to a local branch and found out that there was a checking, saving and a credit card opened using my personal info. I realized I had been a victim of identity theft. My credit score it has been negatively impacted and I need to ensure all of those transactions are removed from my history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77025
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Inquiry wasnt authorized by me.
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: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I did not open an account with Truist banking because someone opened an account with my name and personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24551
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had my mortgage for 16 year with no escrow account. I have always paid my own taxes and insurance. In 2021 XXXX XXXX hit Louisiana and when my policy went to renew the insurance company was no longer writing new policies and we had a 5 day lapse in coverage until our insurance company could find us a new policy. Truist then placed coverage for that week and told us when we get a policy to send it to them which we did XXXX days after getting the coverage. It was faxed and also uploaded into our account so that they would have the new policy information. This is what we were told to do and the escrow would be taken off. I have paid my mortgage every month as I did for the last 16 years. I then get told that they are denying the request to have it removed even though we showed proof that we have coverage. The lapse was out of my control like everyone else in Louisiana that dealt with having to find new coverage and having issues getting the new policy. I have not missed XXXX payment of my original house not ever. I was not paying the escrow portion of the statement due to being told multiple times we shouldnt have had it put on and they would request to have it off. Which I know it was requested once and never again after we disputed the denial. I own a business and for the first time I have been denied leases for the medical equipment we supply due to Truist reporting the credit bureau I have not paid my loan for several months which is not true. I now have a XXXX XXXX XXXX and am at XXXX XXXX where I will have to closed my business which is my families only source of income. Instead of taking off the escrow since I am paying my insurance premium monthly directly to insurance company therefore I dont have another XXXX a month to also pay on top of my regular mortgage. Truist sends me papers for financial assistance. I dont need assistance I pay the mortgage payment monthly!! I need the escrow that should have never remained on the account off! Especially due to the fact the lapse was due to a natural disaster NOT because I didnt pay my insurance bill! This company clearly doesnt have supervisors because I have been waiting for months to call me to address the denial for the request to have the escrow removed. Only found out I was being turned over to the credit bureau was because I was denied with my long time vendor a lease for equipment due to my having a poor credit score. I have never been informed by Truist that I was being reported. Since I was paying my mortgage and they were accepting if I did not think this would be reported while Im still waiting for answers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70301
Submitted Via: Web
Date Sent: 2023-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I purchased my home and my mortgage was {$1600.00}. On XX/XX/XXXX It went up to {$1700.00}. When I called to make a payment I asked why it went up $ XXXX and never got a straight answer. On XX/XX/XXXX it went up to {$1700.00}. They keep raising my payments amounts and now it is at {$160.00} more per month. Im struggling to make these payments and every time I ask why or ask for help they give me the runaround and do not give me any solutions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2023-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A