Date Received: 2023-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX of XXXX someone broke into my vehicle and stole my phone, purse, identification, bank cards, check book and other items. That year this person used those items to deposit a fraudulent check into my personal checking account and they ruined my business account that was in the business name of XXXX XXXX XXXX XXXX XXXX. I have made several attempts to clear this matter up including taking the police report into the bank and have a representative send it up to the proper servicing center on 3 occasions in XXXX. I also mailed a copy with my explanation to the customer service center in XXXX, North Carolina. Truist is still treating this matter like it was my fault. They closed both my accounts and have refused to talk to or do business with me further. I understand they take fraud very seriously as I do as well. I am the victim in this situation and Truist has treated me very unfairly even with my evidence proving I did not complete the fraudulent transaction. They are also reporting the activity to XXXX XXXX and XXXX XXXX XXXX which has kept me from getting any credit since this happened. This has caused mental pain, XXXX, anguish, homlessness, embarrassment, pain and suffering. I had to close my business due to being misreported and misrepresented. This is unlawful according to : XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: We were set to close on a condo on XX/XX/XXXX. I unknowingly transferred our closing funds to a 3rd party account due to an elaborate email scam. I thought I was wiring the funds to our closing attorney. My money was wired from my XXXX XXXX XXXXXXXX checking account. The receiving bank is Truist Bank. The woman who's account my money is sitting was also the victim of a scam, seemingly an online dating scam. I know my money is frozen at Truist Bank, but neither bank will cooperate in returning my money. Truist is holding my money XXXX and XXXX XXXX XXXX continues to XXXX to me every time I call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29926
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The bank froze my account and I demand it to be closed I tried numerous times to close my account and I just cant find a way
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/2022 I applied for an extension of credit {$40000.00} I was denied. This is a direct violation of my consumer rights 15 usc 1602 ( f ) tell me credit is my right. I can not be denied a right. 15 usc 1602 ( p ) makes it clear that they committed fraud and used my credit card without authority and I received no benefits. Federal Reserved section 16 part 2 says my application was the collateral and it says that the collateral is worth dollar for dollar for the value of the federal note that was taken from the federal reserve bank. So, since those Federal reserve notes was exchanged they wasn't even changed so I would like to use the credits that arises from that transaction. I would like to apply it to the principal account. I would like you to obtain the greatest amount of redress possible. This behavior is punishable under Federal Law This is a violation of both 15 USC 1611 AND 15 usc 1691. Also, the Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants. I have been discriminated against ; on the basis of race and defamation of character. I contacted the company and they stated for me to do what I needed to do that they couldn't extended me credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Certified Mail Letter mailed, received and signed for by XXXX XXXX on XX/XX/XXXX, a representative of recipient of this letter and Banking Institution I wish to place a complaint on to facilitate closing my deceased parents ' bank accounts at this Branch ( formerly known as SunTrust Bank ) My last correspondence is as follows : Truist Bank of XXXX XXXX, Attn : Branch Manager or administrator, XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Re : SunTrust Accounts : XXXX, XXXX XXXX and XXXX ( Both Deceased in XXXX ) Former Florida Address : XXXX XXXX XXXX, XXXX XXXX Personal Money Rate Savings - XXXX and Truist XXXX - XXXX To Whom It May Concern : On XX/XX/XXXX, I sent a letter via XXXX XXXX Mail to the above address, also to the attention of the Bank Manager , and I have yet to receive a response from this letter, nor to my many voice messages and emails sent to XXXX XXXX XXXX who I initially spoke to with regard to the closing of the XXXX accounts referenced above per the Second Amended Order of Summary Administration ( copy enclosed ), following the directives of the Last Will and Testament of my parents, XXXX XXXX and XXXX XXXX XXXX customers of your bank when it was still SunTrust. It is unclear to me what is holding up the disbursement of the balances of the XXXX accounts to the beneficiaries named in the Order, namely : XXXX XXXX, XXXX XXXX and XXXX XXXX - all mailing addresses are also reflected in the Court Order. As a retired life-long secretary ( retired from a 20+ career as a secretary in a School District, with experience in Real Estate Banking and XXXX XXXX 5 years in hospitality as an administrative secretary - the XXXX XXXX, XXXX and the XXXX XXXX, NJ XXXX I am astonished with the unprofessional manner in which this delicate matter has been handled by Truist Bank. Im not sure if anyone at the Branch ( which was still SunTrust ) remembers my mom and dad, but they were an adorable couple and my father, true to his spirit, was the friendliest customer you could ever hope to meet. I am enclosing a photo of them with the hope that someone will recall them and how cute they were ( married 61 years when they passed away ) and take care of this for us. Its been quite challenging, to say the least, to settle their affairs when they both passed away suddenly and within XXXX weeks of XXXX another, all during XXXX XXXX, in the Spring/Summer of XXXX, as Im sure you can appreciate and imagine. It is my hope to have this final matter concluded by the end of this year. Again, I would appreciate it if someone from this bank branch would contact me via phone, text or email upon receipt of this letter. I really dont want to have to file a claim with the Florida XXXX XXXX XXXX XXXX XXXX however, upon our XXXX XXXX advice, we may have to if my efforts continue to be ignored. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Regarding Truist Bank. Account XXXX XXXX Received a letter from from their recovery department dated XX/XX/XXXX. I received the letter via XXXX XX/XX/XXXX. The letter says I owe them {$52.00} including a {$30.00} charge off fee. I have called them XXXX XXXX XXXX XXXX times XX/XX/XXXX and XX/XX/XXXX. Talked to representatives who couldnt tell me what the debt was regarding. They transferred me to their recovery department XXXX XXXX ). Left messages both days because they said in a recording they were very busy and couldnt answer the phone. I left my name, account number given in the letter, my phone number. On XX/XX/XXXX, the message said they would return my call within XXXX hours. I havent received a call, now 2 days later. I said in the message left today, XX/XX/XXXX, I would be contacting your department. FYI, I checked XXXX Credit Bureau and saw nothing with the Truist name on an account. There is a payment invoice to be detached and returned with payment to : Truist XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX and XXXX is stating that an auto loan on my report is mine and saying that it was verified by the company however I know that is inaccurate. In 2017 XXXX XXXX was taken to court for allowing someone named XXXX XXXX to open an account with a fraudulent signature as a co-signer on my behalf. Ive asked multiple times for both parties to produce a contract showing this vehicle loan is mine. Neither have been able to do so however the information continues to be reported despite being provided COURT DOCUMENTS showing the outcome of the judge agreeing on my behalf and ORDERING BOTH COMPANIES to remove the account from my report. XXXX has also been provided with the court order, ftc report, and police report and once again have neglected to remove the account from my profile. They are in violation of MULTIPLE FCRA infractions as well as contempt of fraud and the neglect of following a court order. My next step is to pursue litigation again XXXX for the frivolous reporting as this is my fourth and final notice. You all can not ignore XXXX ORDERED documents you are now in contempt of court and financial relief can be seeked. The refusal to correct information after being provided proof of inaccuracy is a violation of FCRA sections 623XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX case XXXX XXXX XXXX XXXX and XXXX XXXX XXXX. You all also did not VALIDATE the debt which is pursuant of FDCPA SECTION 809 ( b ). The reporting of my credit history inaccurately is a violation of XXXX XXXX XXXX XXXX, XXXX XXXX, No XXXX XXXX XXXX XXXX XXXX XXXX You also can not report ANY ACCOUNT TO A CONSUMERS CREDIT THAT HAS BEEN INVOLVED IN LITIGATION. If the situation is not resolved within XXXX days following this notice that will also be sent certified mail, the next form of communication you all will need to seek legal counsel as I will be going to court. I am not asking you all to remove this information but requiring you pursuant of the multitude of laws you all have managed to break. The original FTC REPORT DOC # XXXX Was sent to them XXXX via certified mail. The court ordered document requiring them to remove it was sent and NOTARIZED via certified mail and received XXXX. The police report # XXXX has also been sent to them and received XXXX these are all government documents that you all are choosing to purposely ignore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: tuist bank closed my business checking account and have refused to release my account balance to me after closure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I had unauthorized transactions of XXXX. Which made my account negative XXXX. I filed a claim twice. Truist did not provide proof of investigation of my claims. I filed my claims in XXXX around the XXXX. My second claim was about three days after that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27597
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had previous Truist account I left on good standing. I went to branch to close account with zero balance, months later I was told account was still open without my acknowledgment and I had a XXXX charge which I didnt made which accumulated interest which caused my account to charge off. This is not fair I paid the company XXXX to be in good standing to later find out Im being penalized for something that wasnt my fault
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A