Date Received: 2023-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I previously banked with Truist bank where I used the account to receive a portion of my work direct deposits for savings purposes. XXXX sat pending for several days so on XX/XX/22 I attempted to access the account online and access was restricted trying to login to my account. I then contacted Truist customer service line and spoke with XXXX mentioned to call back in 24-48 hours for an analyst to review my account. On XX/XX/22 called and spoke with XXXX who mentioned no email was sent and the account was closed for XXXX weeks and no check had been issued. Advised I call back later in the day. Later that day I spoke with XXXX and was told this was an early warning service regarding fraud and the account was not closed. After being on hold for over an hour the line was disconnected. I called back and spoke with and spoke with XXXX and XXXX who said they cant help and to go to a branch. This was not acceptable as I had never been in a branch as everything was opened online. I spoke to XXXX and the a supervisor named XXXX who claimed Someone else is using the account and Fraud was evident. I ended up being disconnected after being on hold for XXXX hours. On XX/XX/22 I went to the XXXX XXXX branch and spoke with XXXX who told me the account was closed and a fraud warning from new accounts was present. He stated he would respond back when he heard something. I received no contact and called back XX/XX/22 and spoke with XXXX in the branch and was told XXXX was out of office and she would look into this. She returned my call XX/XX/22 and left a voicemail stating XXXX would reach out to me. I then reached out a few days later, but did not write down the date. I spoke with XXXX, a supervisor, and was told the account was in fact closed and she could not provide any further details but assured me a letter would be mailed as well as my funds distributed. No mail or phone contact was made by Truist and on XX/XX/22 I contacted the branch and spoke with XXXX and was told XXXX would reach out to me today. He did not return my call, but sent an E-mail at the very end of business hours stating Back on XX/XX/XXXX, I received an email back from our fraud department and they said that we can not reopen the account, can not give you the funds, and they could not give me a time frame on when they would be done with their research. They said that we are exiting the relationship with you and that you will be receiving a letter. There is nothing else that we can do at the branch level. I have not received a reply. At this point the bank is admitting my account is closed, but refusing to return my funds which I currently need to pay taxes and other end of year essentials that I was budgeting for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This bank has continually charged a late fee on payments, made one or two days after the due date. The fees are excessive and I have tried to remedy the situation with the bank in XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Last I tried to fix the problem, I was told someone had used My social security number to open and close a trust fund. Now banks will not work with Me. My identity is constantly stolen and data taken from places that got breached. XXXX XXXX most recently. I am going to be getting lifelock here this month and have tried several times to work with reporting Identity theft always ending in them not helping me and treating me like I am the one creating the issue. I need help. I just want to fix this issue so I can have the ability to bank again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 731XX
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Truist bank and after opening every time I made a deposit they put 2 and 3 week holds on my deposits causing payments to overdraft my account. I was not told this upon depositing but received a note card in the mail 2 weeks later. I called to get it taken off and they said no one could do that and they had the right to do this to anyone at anytime. This happened before one of my many surgeries and I had no way to pay for my medications. I even sent proof that these checks they had a hold on had already cleared the banks the checks were written from and the money was there but they still held it for weeks. After the hold was lifted I had to call back and dispute the overdraft fees. I got them returned one time after this happening numerous times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2023-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was affected by XXXX and participated in the Mortgage Forbearance Program. I setup a loan modification with the company. I started paying the amount designated by the customer service agent at the mortgage company. The mortgage company was Suntrust. Suntrust and BB & T merged into a new company called Truist. I called Suntrust on several occasions when I received letters from them that I was behind on my mortgage during the modification period. I was told by home preservation department that I should ignore the letter because it was showing in their records that a loan modification was in the process. They did an investigation and assured me that they hadnt reported a delinquency on my credit report. However Truist did report derogatory activity to the Credit Bureau for XXXX, XXXX, and XXXX of 2022. This needs to be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2023 I deposited a XXXX check for {$8000.00} into my Truist checking account. As of today, XX/XX/2023, the funds are still showing as pending due to an administrative hold. This has caused the account to go into the negative and they ( Truist ) are now charging me overdraft fees which they are refusing to refund. I know the check has cleared, I have proof of funds, and they are drawing interest off my money while denying me access to it. I have been a customer with an account in good standing at this bank when they were Suntrust for close to 20 years. How is this legal? There should be laws against this, because it is extortion. There are hundreds of complaints about this online. This bank is shady and criminal. This is theft. Plain and simple. Customer service is rude and unhelpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28146
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have multiple hard inquires on my credit report by a dealership that was not authorized.
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: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased this vehicle XX/XX/2017. The payments were not being applied correctly to the principal balance. This has caused me to pay more interest month over month. Some regular monthly payments were being applied to late fees. I have put about XXXX payments to the end of my loan, but those are included in the remaining payments I have left. I would like the payment history since this account opened to be released, showing how the monthly payments were being applied. The loan terms show I have XXXX payments left of {$620.00}, and about {$1500.00} in late fees. This totals approx. {$4000.00}. However, the loan is showing a payoff of {$15000.00}. The extra amounts are unexplainable. Please research, and fix so I can pay this loan off. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43227
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A man saying he was from Truist Bank fraud claim some one was trying to open an account in my name then he tried to get personal information from me. He called from XXXX. He hung up when I refused. 4 minutes later a woman called saying she was from Truist Bank XXXX XXXX XXXX. I told I was calling law enforcement. Her Name on the caller ID is XXXX XXXX. I call the Real Truist Bank but you can not get a live person on their fraud line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99206
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had a business credit card account with Suntrust. I received the credit card with my account number and setup automatic payments as I always do. However, when Suntrust became Truist ( XX/XX/2022 ), I never received a new card nor anything with the actual account number on it so I was unable to reset my password or call in. When I did reach an actual representative, they were unable to find the account with my XXXX or XXXX number. It wasn't until I received a collection letter dated XX/XX/2022 that I obtained a document that had the actual account number on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A