Date Received: 2023-01-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've already filed a claim about Truist Bank/BBT ... they closed my account of XXXX years because they " thought '' I was involved in fraud with my acct ( which I fell for a stupid scam on line ) and left my with a huge balance with service charges. I had a deposit come thru for XXXX on XXXX. Well they keep my deposit on my " CLOSED '' account and they will NOT refund me for the deposit just made after they closed my account! HELP ME!!! They just keep adding and adding to this " closed account ''!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Of XX/XX/2020 I paid of my car loan and never got a lien release. XX/XX/XXXX I called truist formally XXXX and XXXX to try to get a lien release from them. I called them every day and a different employee would put in a request saying they would email me I'm two days and mail one in 10-12 business days. I have gotten nothing and called the XXXX to be told the same thing. truist is giving me the run around and has not given me my lien release so I am unable to sell my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-16
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Complaint : I was denied a checking account for no apparent reason and have not received the adverse action letter which is required by law. There was stonewalling at the local branch and at the telephone centers. I had to take time off from work because it is not clear if I am a victim of identity theft or something else. This issue had left me with mental anguish and uncertainty as to why I was targeted for potential banking fraud. I do not know if I was even illegally discriminated against or not. Here is the background. I went to the XXXX XXXX branch on Sat XX/XX/XXXX to set up a new checking account as I am planning to move up to XXXX in the near future. Branch manager took down all personal info after discussing what I wanted to do. My father and aunt set up similar accounts the prior day, with a different manager there. It was my familys intention to transfer a sizeable amount of money to Truist upon our move. Manager assured me that the starter checks could be mailed to my current mailing address- which is listed on my current drivers license. The new PA address is currently under construction as she was informed. I never received the checks in the time frame she suggested -which should be approx 10 days after the visit. ; so stopped by the same branch on Sat XX/XX/XXXX. My father and aunt received their checks correctly sent to the XXXX mailing address and imprinted with the XXXX address, on XX/XX/XXXX. On the XXXX, one of the front desk tellers took my info and then went to get manager over to assist.Manager told me that my status was flagged for potential fraud could not provide any further details or even printouts to show such. The account was closed on Tuesday XX/XX/XXXX, cant be reopened. All of this was done in the lobby of the bank ; and caused embarrassment and shock. I will continue to feel this way. Manager gave me Truist Fraud department number ( XXXX ) XXXX but said they were not open on the weekends. Manager then had me sign Truists Client Information Change Request Form. The area that shows Change Physical Address now had YES checked and the VA mailing address listed on it. She was initally not willing to give me a copy of this form but I pressed to get the signed copy for my own records. I do not recall her asking me to sign this earlier, although later learned that my father & aunt has signed such a form the day they established their checking accounts. I have NEVER ever had any issues with a bank. Since time was of the essence, I went to another financial institution that I have been going to for over ten years no problem on their side. I have checked with the following agencies : three credit reporting bureaus, my credit card issuers ; and XXXX which has XXXX XXXX monitoring. Further inquiries with XXXX and XXXX XXXX XXXX came up with the same result : no issues found.When I called into the number for the Truist fraud department, I asked Why flag me? Were the address ( es ) inputted wrong by this manager? The answer, from XXXX at your customer service center, was that she could find no flag.There was no answer to : Why not contact me immediately by phone, email, text? Instead Im told a physical letter, an adverse action notice, would come any day now- which has not shown up. There was no answer to : I want the {$500.00} check I used to open the account back ASAP. That check was cashed, funds withdrawn form my current bank account on the XXXX. I asked, When can this be sent to me? No answers as to what the next steps would be or how to get corrected.As of Friday, XX/XX/XXXX, I still did not have any adverse action notice and called again to figure out how to get my money back. Customer Care told me that it could be given at the XXXX XXXX. I had to call out of work and then went to the XXXX branch. As we waited for the same teller to get into my account, she had to make two phone calls herself for figuring out a way to return money to me. This took forty minutes! She also had to wait for manager 's approval to obtain the {$500.00} and then asked how I wanted it. I asked for cash, concerned that Truist would later reject their own check. Without teller 's assistance, I would still be dealing with the concern of how and when I would get my money back. Basically speaking she knows the true definition of customer care.After receiving my money, I received the report from XXXX XXXX XXXX, that showed no negative information, only that the current account status was listed as Post No Debits. I called again to customer service to obtain further information. There were several phone numbers and representatives in customer care centers that do not know the meaning of customer care. A representative name unknown, told me that the account was flagged and visit the local branch. We had been already to this branch, said that the local branch ( XXXX ) XXXX was not a help and I needed to speak with a supervisor. XXXX- later learned full name was XXXX XXXX in client escalations took all info and then went to check with yet another dept. Internal dept does not need a reason for not giving out information, they dont need to tell me! was the answer she came back with. I reached XXXX in claims again, and XXXX at another extension, both who could not deal with the issue once given the synopsis to date. XXXX transferred to XXXX internal dept only, who stated that she could not help public, only Truist employees. She was ready to disconnect but offered another phone number to try - Truist Customer Care ( XXXX ) XXXX XXXX at the above number picked up my case ; then referred us back to the XXXX number and reached XXXX in fraud dept. XXXX then took the synopsis and read the various notes to see what was going on. I described that this was taking up a work day ( since this department is only open Monday to Friday during business hours ) and causing me increased stressXXXX was not able to tell to see any specific flags and put us on hold to check with unnamed coworker. They could not tell WHY initially but said it was possible that it had to deal with the XXXX address; refused to identity or let us speak with who had placed the flag ( made the decision to deny the account ). She refused to respond when told father & aunt had opened accounts earlier XXXXwithout any issues and then proceeded to read a statement that they, Truist, could close account if it did not fit profile, etc. She then informed my father and I that the call was recorded, and proceeded to rudely hung up when we told her that we recorded the conversation. Under the XXXX of XXXX law, we were in our right to do so.To resolve this problem : I would like a written statement within 15 calendar days from your bank explaining exactly what went wrong with my account. There was no adverse reason to close it. Truist should notify XXXX XXXX XXXX that the account was closed without cause.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2023-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized credit inquiry on my credit reports on XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: AT THE BEGINNING OF XXXX, I GOT A STATEMENT FROM MY CREDIT CARD THAT I BELIEVE IS WRONG. I PROB CALLED ABOUT XXXX TIMES, ASKING FOR A SUPERVISOR. AT ONE POINT I DID GET XXXX SUPERVISOR, WHO STATED, I HAD TO PAY THE BILL, I STATED IT IS WRONG SO WE WENT OVER THE NUMBERS TOGETHER, AND SHE STATED, SHE WAS GETTING FRAZZLED AND GOING ON VACATION AND HAD TO CLOSE AT XXXX XXXX SO SHE WOULD RESUBMIT IT TO THE ACCOUNTING TEAM THIS WAS OVER A MONTH AGO. SHE STATED I WOULD HEAR BACK IN XXXX HOURS. AGAIN I CALLED AND CALLED NUMEROUS TIMES, WITH NO RESPONSE AT ALL I WROTE THE BANK XXXX LETTERS ASKING FOR HELP, I AM TRYING TO FIGURE OUT WHERE MY CACULATIONS WENT WRONG AS I DO NOT BELIEVE I OWE AS MUCH AS I DO, AND I PAID A LOT TO COVER THIS. I HAVE NOT PAID MY BILL IN FULL AS I CAN'T STAND THE STRESS, AND ALSO WAS IN THE XXXX WITH XXXX XXXX XXXX, THE LAST TIME I SPOKE TO AN EMPLOYEE, AND WE WENT OVER THE NUMBERS VERY FAST, AND I AGREED, BUT THEN I DID IT AGAIN AND I KEEP COMING UP WITH THE SAME NUMBERS THAT I DO NOT OWE AS MUCH AS THEY SAY. TODAY I CALLED AND SAID AGAIN I WANT A SUPERVISOR FOR THE XXXX TIME, AGAIN THEY TOLD ME THE SAME THING THEY WOULD ESCALATE THIS, I DO NOT THINK ANY ONE WILL EVER REPOND, I WANT THEM TO TELL ME EXACTLY HOW I OWE AS MUCH AS I DO B/C THE NUMBERS TO DO ADD UP TO MAKE MATTERS MORE CONFUSING THEY PUT OVER XXXX BACK IN MY BANK BUT REALLY DID NOT SO THAT IS TOTALLY CONFUSING. I NEED HELP GETTING THEM TO ANSWER ME AT THIS POINT RIGHT OR WRONG I NEED TO UNDERSTAND WHY THEY THINK I OWE AS MUCH AS I DO WHEN I DO NOT IN MY MIND AND MY CACULATIONS, IF I AM OFF I ALREADY PAID, BUT I AM NOT HAPPY AS I FEEL ITS STILL WRONG AND WANT THEM TO GO OVER IT WITH ME WITH A SUPERVISOR NOT JUST AN EMPLOYEE RUSHING ME THANK YOU DATES STARTED ABOUT XX/XX/15 I HAVE WRITTEN THEM XXXX LETTERS ALREADY WITH TRACKING TO SHOW THEY GOT THIS. I HAVE CALLED ABOUT XXXX TIMES. I FEEL I OWE AT THIS POINT XXXX CENTS YET THEY HAD ME PAY XXXX AGAIN I NEED THEM TO GO OVER THE FEE NOT WITH JUST AN EMPLOYEE BUT WITH ME AND A SUPERVIOR OR THE ACCOUNTING TEAM LIKE THEY PROMISED THIS IS GOING ON WAY TO LONG. IT CLEARLY STATES ON MY STATMENT TO WRITE TO THEM AND I DID XXXX INCLUDING EVERYTHING THEY ASKED, AGAIN I AM NOT A MATH PERSON, BUT I CAN USE A CACULATOR, AND THEY NEED TO REPOND WITH A HIGHER UP PERSON NOT JUST AN EMPLOYEE THAT WAS RUSHING ME TO FIGURE THIS OUT THANK YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On or around, XX/XX/XXXX @ approximately XXXX, I called Truist and spoke to a representative of the bank, employee # XXXX. I then proceeded to want an ACH stop payment enforced on a merchant, XXXX XXXX ( XXXX XXXX ), in the amount of {$91.00}. However, a few days went by, and I received a letter in the mail from Truist regarding the stop payment, along with the amount stated but the amount stated was incorrect from which I initially gave the bank, it stated {$90.00}. I immediately contacted the bank on XX/XX/XXXX @ approximately XXXX ( spoke to a representative, who then transferred me to a supervisor-as I requested, by the name of XXXX : she provided me with case # : XXXX and that the money wouldn't be drafted out ). Again, it was drafted, never returned, so I called the bank again on XX/XX/XXXX @ XXXX and was able to speak to a representative, who then transferred me to a supervisor. I was constantly informed that the money in question for the merchant wouldn't be deducted from my account. However, it still was and still is currently, XX/XX/XXXX. I had to calling the bank, versus going there in person because I'm currently on Worker 's Compensation, from an injury sustained on my job since XX/XX/XXXX and have to use crutches to get around. It should also be noted that I emailed the CEO of Truist as well, notifying him of my displeasure of not having my stop payment honored. I explained the above situation to him as well on XX/XX/XXXX @ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2023-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My consumer credit transaction was with XXXX XXXX ( a ) 2 I have no contract with TRUIST. I sent TRUIST a validation letter to validate the alleged debt within 5 days of the first correspondence 15USC1692g, because I believe it was a billing error 15USC1666 I gave them 30 days to validate the debt and I have revived nothing but threats of theft of my car and harassing phone calls 15USC1692d. I also never gave written permission to report this alleged debt and ruin my reputation 15USC1681. In accord with the United States Codes mentioned in the time frame given please cease all collections
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I was at work that unauthorized person withdrew {$260.00} from my bank account by using XXXX ATM on XXXX XXXX. I reported to bank but unfortunately the result was not in my favor even I filled polis report But it was not helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Dear XXXX XXXX, I am writing to request that my loan payments be reported to the credit bureau. I understand that the regular reporting of loan payments to the XXXX and XXXX is a key factor in helping to build and maintain a good credit score. As such, I have been faithfully making my loan payments on time each month and would like to receive the credit benefits that come with having these payments reported. I have included my loan account information below for your convenience. XXXX Thank you for your time and I look forward to hearing from you. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On approximately XX/XX/2022, I learned that XXXX checks from my company XXXX XXXX XXXX XXXX XXXX XXXX, in the amounts of {$9300.00} ( XXXX # XXXX ) and {$1100.00} ( XXXX # XXXX ) had been cashed from my business account, but the names of the payees had been changed from the payees I wrote the checks to ( and in the case of XXXX # XXXX the amount had been changed to {$2500.00} from the original amount of {$1100.00} ). I filed a fraud claim with Truist Bank. They told me that my cash could be tied up for XXXX days while they investigated the claim. This has put a serious cash flow hardship on my small business for an error that was made on the bank 's part. I am complaining about the policy of Truist Bank holding on to my company 's cash for a long period of time when the error was made was on its part. After complaining to my local Truist branch for over a month and having them contact the bank 's fraud department, I finally called the fraud department myself and was told that the paperwork was incomplete. No one had ever told me about any paper work to be completed. I completed and filed the paperwork immediately. I called the Truist Fraud Department today and was told that the investigation could take up to XXXX days, now XXXX days longer than I was told initially. I simply do not understand how Truist can hold up my company 's money for an error that it made, putting my business at risk. XXXX 's motto is " We've Got Your Back. '' In my case Truist is stabbing my company in the back. The bank just clings to its stance, saying " this is the bank 's policy. '' It is a poor one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A