Date Received: 2023-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Home was damaged by XXXX XXXX. An wind insurance claim check was received by the homeowners from XXXX XXXX in the amount of {$75000.00} payable to the homeowners ( XXXX and XXXX XXXX ), Truist Bank ( mortgagee ) and the homeowners public insurance XXXX. The check was sent to Truist Bank, Loss Draft Department XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for endorsement by Truist and return to homeowners. The check was received by Truist XX/XX/XXXX. On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX saying that they were going to hold the money and only release a portion of it once homeowners provide the insurance adjusters report and a signed XXXX XXXX. Additional funds from the insurance check will only be released following inspection of the repairs by Truist. I immediately called Truist to request the funds be released, they refused. The funds are needed immediately for hurricane repairs. The amount outstanding on the mortgage is {$64000.00} approximately {$11000.00} less than the funds they are refusing to release. Additionally the value of the land alone is at least 4 times the amount left on the mortgage. Truist has absolutely no need to withhold the funds, the money owed on the mortgage is more than secured by the land value alone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80228
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am NOT financially responsible for the real estate mortgage loan with Truist Bank formerly Suntrust Bank opened on XXXX in the amount of {$32000.00}. It belonged to my mother. I have NEVER signed as applicant, co-applicant or guarantor for any loan or real estate mortgage reporting on my credit file with XXXX and XXXX. Truist bank is FRAUDULENTLY verifying that the information reported is accurate which is AGAINST THE LAW. I am requesting that TRUIST bank deletes the loan account from my credit profile IMMEDIATELY. Should they refuse, I request that they supply you with the record of original loan application and settlement documents with my signature as evidence that I am a signor of the loan in dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRUIST BANK IS VIOLATING 15 USC 1692c attempting to collect of a debt owed or due or asserted to be owed or due to another to extent activity, I, XXXX XXXX XXXX XXXX have a signed contract or any agreement with Truist bank for XXXX also 15 USC 1692e False or misleading represntatives of any claims against XXXX XXXX XXXX XXXX any debt to Truist Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Truist Bank displays the entire bank account number on all bank statements including the business account that I am accountant for and my personal account that I closed and moved to another institution. I called Truist and reported the issue they have not responded or corrected the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 326XX
Submitted Via: Web
Date Sent: 2023-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I RECIEVED A RESPONSE FROM TRUIST BANK DATED XX/XX/2022 SENT XXXX XXXX XXXX XXXX XXXX XXXX IN REFERENCE TO COMPLAINT # XXXX & XXXX STATING : " I HAVE REVIEWED THE LOAN CONTRACT YOU SIGNED DATED XX/XX/2022 AT THE DEALERSHIP, AND ON PAGE ONE UNDER NO COOLING OFF PERIOD, IT SAYS, STATE LAW DOES NOT PROVIDE FOR A CANCELLATION PERIOD. YOU WILL NEED TO CONTACT THE DEALERSHIP DIRECTLY REGARDING THESE CONCERNS '' SECURITIES FRAUD IS A FEDERAL OFFENSE ALSO IT SHOULD BE NOTED THAT THIS FINANCIAL INSTITUTION HAS ISSUED A " REPO ORDER '' WITHOUT A JUDICIAL ORDER VIOLATING 2 KEY LAWS AND ESPECIALLY IDENTITY THEFT WITH THE TRANSFERRAL OF MY PRIVATE INFORMATION! 15 USC 1692 ( f ) ( 6 ) WHICH OUTLINES THE ONLY WAY A REPOSSESION IS LEGAL AND LAWFUL : ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or disablement of property if ( A ) there is no present right to possession of the property claimed as collateral through an enforceable security interest ; ( B ) there is no present intention to take possession of the property ; or ( C ) the property is exempt by law from such dispossession or disablement. -- -- -- -- -- -- - 15 USC 6802 ( b ) OUTLINES REQUIREMENTS a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. ( 2 ) Exception This subsection shall not prevent a financial institution from providing nonpublic personal information to a nonaffiliated third party to perform services for or functions on behalf of the financial institution, including marketing of the financial institutions own products or services, or financial products or services offered pursuant to joint agreements between two or more financial institutions that comply with the requirements imposed by the regulations prescribed under section 6804 of this title, if the financial institution fully discloses the providing of such information and enters into a contractual agreement with the third party that requires the third party to maintain the confidentiality of such information. NOTICE OF RESCISSION WAS SENT ON XX/XX/2022 REGISTERED MAIL # XXXX TO TRUIST LEGAL DEPT. RECIEVED ON XX/XX/2022 XX/XX/2022 REGISTERED MAIL # XXXX TO TRUIST LOAN SERVICES RECIEVED ON XX/XX/2022 XXXX ) 12 C.F.R. 226.15 ( A ) OUTLINES MY RIGHTS Consumer 's right to rescind. ( 1 ) ( i ) *Except as provided in paragraph ( a ) ( 1 ) ( ii ) of this section, in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind. 2 ) 12 CFR 226.15 ( ii ) ( 2 ) & ( 3 ) OUTLINES HOW I MAY CHOOSE TO RESCIND : *To exercise the right to rescind, the consumer shall notify the CREDITOR of the rescission by mail, telegram, or other means of written communication. Notice is considered given WHEN MAILED, or when filed for telegraphic transmission, or, if sent by other means, when delivered to the creditor 's designated place of business. *The consumer may exercise the right to rescind until midnight of the third business day following the occurrence described in paragraph ( a ) ( 1 ) of this section that gave rise to the right of rescission, delivery of the notice required by paragraph ( b ) of this section, or delivery of all material disclosures, OR whichever occurs last. If the required notice and material disclosures are not delivered, the right to rescind shall expire 3 years after the occurrence giving rise to the right of rescission, or upon transfer of all of the consumer 's interest in the property, or upon sale of the property, whichever occurs first. In the case of certain administrative proceedings, the rescission period shall be extended in accordance with section 125 ( f ) of the Act. 3 ) 12 C.F.R. 226.15 ( b ) OUTLINES WHO IS RESPONSIBLE FOR THOSE DISCLOSURES. THE DEALERSHIP IS NOT A CREDITOR TRUIST BANK IS! ( b ) Notice of right to rescind. In any transaction or occurrence subject to rescission, a CREDITOR shall deliver two copies of the notice of the right to rescind to each consumer entitled to rescind ( one copy to each if the notice is delivered in electronic form in accordance with the consumer consent and other applicable provisions of the E-Sign Act ). The notice shall identify the transaction or occurrence and clearly and conspicuously disclose the following : ( 1 ) The retention or acquisition of a security interest in the consumer 's principal dwelling. ( 2 ) The consumer 's right to rescind, as described in paragraph ( a ) ( 1 ) of this section. ( 3 ) How to exercise the right to rescind, with a form for that purpose, designating the address of the creditor 's place of business. ( 4 ) The effects of rescission, as described in paragraph ( d ) of this section. ( 5 ) The date the rescission period expires. ( c ) Delay of creditor 's performance. Unless a consumer waives the right to rescind under paragraph ( e ) of this section, no money shall be disbursed other than in escrow, no services shall be performed, and no materials delivered until after the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. A creditor does not violate this section if a third party with no knowledge of the event activating the rescission right does not delay in providing materials or services, as long as the debt incurred for those materials or services is not secured by the property subject to rescission. 4 ) 12 CFR 226.15 ( d ) OUTLINES THE EFFECTS OF RESCISSION AND A TIMEL MANNER IN WHICH PERFORMANCE IS GRANTED BY FEDERAL LAW d ) Effects of rescission. ( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge. ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. ( 3 ) If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation. TRUIST BANK HAS ALSO PROVIDED MY PERSONAL INFORMATION TO A MULTITUDE OF COMPANIES ( XXXX, XXXX, XXXX AND AN UNIDENTIFIED TOWING COMPANY ) WITHOUT PERMISSION AND WITHOUT PROVIDING THE MATERIAL DISCLOSURES REQUIRED OF FINANCIAL INSTITUTUIONS IN 16 CFR 313.10 WHICH OUTLINES LIMITS ON NON DISCLOSURE AND FURTHER DETAIL : 313.10 Limits on disclosure of non-public personal information to nonaffiliated third parties. ( a ) ( 1 ) Conditions for disclosure. Except as otherwise authorized in this part, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer to a nonaffiliated third party unless : ( i ) You have provided to the consumer an initial notice as required under 313.4 ; ( ii ) You have provided to the consumer an opt out notice as required in 313.7 ; ( iii ) You have given the consumer a reasonable opportunity, before you disclose the information to the nonaffiliated third party, to opt out of the disclosure; and ( iv ) The consumer does not opt out. ( 2 ) Opt out definition. Opt out means a direction by the consumer that you not disclose nonpublic personal information about that consumer to a nonaffiliated third party, other than as permitted by 313.13, 313.14, and 313.15. ( 3 ) Examples of reasonable opportunity to opt out. You provide a consumer with a reasonable opportunity to opt out if : ( i ) By mail. You mail the notices required in paragraph ( a ) ( 1 ) of this section to the consumer and allow the consumer to opt out by mailing a form, calling a toll-free telephone number, or any other reasonable means within 30 days from the date you mailed the notices. ( ii ) By electronic means. A customer opens an on-line account with you and agrees to receive the notices required in paragraph ( a ) ( 1 ) of this section electronically, and you allow the customer to opt out by any reasonable means within 30 days after the date that the customer acknowledges receipt of the notices in conjunction with opening the account. ( iii ) Isolated transaction with consumer. For an isolated transaction, such as the purchase of a money order by a consumer, you provide the consumer with a reasonable opportunity to opt out if you provide the notices required in paragraph ( a ) ( 1 ) of this section at the time of the transaction and request that the consumer decide, as a necessary part of the transaction, whether to opt out before completing the transaction. ( b ) Application of opt out to all consumers and all nonpublic personal information- ( 1 ) You must comply with this section, regardless of whether you and the consumer have established a customer relationship ( 2 ) Unless you comply with this section, you may not, directly or through any affiliate, disclose any nonpublic personal information about a consumer that you have collected, regardless of whether you collected it before or after receiving the direction to opt out from the consumer. ( c ) Partial opt out. You may allow a consumer to select certain nonpublic personal information or certain nonaffiliated third parties with respect to which the consumer wishes to opt out. THIS FINANCIAL INSTITUTION IS CLEARLY AND DILEBERATELY DENYING THAT THE CODE OF FEDERAL REGULATIONS DO NOT APPLY TO THEM AND THAT I THE CONSUMER ARE NOT PROTECTED BY THEM. THEY HAVE COMMITED DECEPTIVE ACTS AND HAVE NOW STRIPPED ME OF MY FINANCIAL STABILITY AND SAFETY!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXXXXXX XXXX XXXX ( XXXX XXXX, email : XXXX ) have business buy device to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX, have email : XXXX ) who have bank account in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX they using domain email address almost same ) has send email XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX to arrange the payment to : TRUIST Bank XXXX Texas XXXX. At XXXX XXXXXXXX XXXX XXXX. XXXX XXXX XXXX have transfer USD. XXXX to TRUIST Bank XXXX XXXX XXXX with company name beneficiary bank as in XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX info that they not receive any payment from us. And in this moment we realize that our email have been heck ( cyber crime ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received a letter from Truist Bank dated XX/XX/XXXX that an account in my name that I did not create was closed because it was overdrawn. There was a balance due of {$53.00} on that account ( Number XXXX. ) I called on XX/XX/XXXX and talked with XXXX explaining that this was an identity theft situation. He said it would be moved to the Fraud Department and gave me case # XXXX in reference to my situation. He said the Fraud Department would reach out. Called on XX/XX/XXXX because I had not heard anything. I talked to XXXX of the fraud department who told me the case had not been picked up and that she would escalate the case. I should receive something in the mail the following week at the earliest. I received a letter dated XX/XX/XXXX with a settlement offer for the overdrawn account. No notation that I had reported this as a case of stolen identity. XX/XX/XXXX I called and asked for the fraud department. I talked with XXXX who seemed confused by the entire issue. We talked from XXXX. She eventually found the case number and said the account was closed and not to worry. XXXX seemed to focus on the idea that the account could no longer engage in transactions so, therefore, cause me no more harm. I explained that I am receiving collection letters on an account I did not set up and that is linked to my data. I do not think she is part of the " fraud department ''. She then told me to take my Truist card to a local branch if I wanted more closure and help with the situation. I told her I do not have a card because I did not set up the account. I do not know what else to do to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76210
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: This is a complaint that has multiple issues. Firstly, the payoff was made on XX/XX/XXXX and the bank refuses to apply the payment. Secondly, in 3 days, the payment will be 30 days late. This car was refinanced with Truist and Truist has the title and lien release from the previous bank, however they failed to add themselves as a lien holder. The car was totaled on XX/XX/XXXX. XXXX. Truist was paid out on XX/XX/XXXX but will not apply the payment because they never added themselves as lien holder. That is not my problem. Triust has taken payment from me without being a lien holder since XX/XX/XXXX now suddenly they can't take a payment because they didn't process the paperwork to add themselves as lien holder? When call and we're told that we we're responsible for the payment until they decide to apply the check to pay in in full that is SITTING THERE in their office??? Interest is accruing daily and it will soon be reported late to my credit report. Truist needs to rectify this situation immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My previous COMPLAINT Last year I step into BB & T also now known as Truist Bank located XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX. I originally went there to get a secured credit card without an inquiry the bank provided me with a physical application to fill out which I did before we submitted the application I asked if this is a soft pull or will I receive an inquiry the banker was unable to answer my question she said she will be right back with an answer for me just fully complete the credit card application before she speaks to the branch manager about whether or not I will receive an inquiry or not for applying. She came back with the branch manager and he explained that yes if I proceed with the application there is a credit inquiry. which I declined, left the signed application at the bank, and walked away. I left the next day I received an inquiry on my credit report. Truist claims they have on records indicating that they responded to my concerns by telephone on on XX/XX/2022. At that time, I was informed that I gave them a permissible purpose to review your credit which is false! Please provide with a copy of these " RECORDS indicating I gave you guys permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am the XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/XXXX, XXXX checks drawn on the above account were subjected to check washing. I became aware of this activity XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and found XXXX fraudulent checks totaling {$14000.00}. I filed a claim on XXXX XXXX ( which the bank lost ), and subsequently filed another claim in XXXX. Our account was eventually credited {$11000.00}. After numerous unsuccessful conversations with Truist, it now appears that the bank expects our XXXX to absorb a loss of {$3500.00}. On XX/XX/XXXX, I called the SunTrust fraud reporting department ( XXXX ) to report the fraudulent activity on our account but after sitting on hold for XXXX minutes, I gave up ( I have phone records to document this ). I then called back the next day, and after XXXX minutes on hold ( again documented by phone records ), I finally reached a human and explained the situation. The person who answered the phone took down all my information and informed me that it would take XXXX weeks for an XXXX to get back to me. She did not provide me with a claim number and given my exhaustion from waiting on hold for so long, I did not ask for XXXX. Given the fact that XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I did not follow up, fully expecting to hear back from somebody from Suntrustnow Truist. When XXXX rolled around and I realized that so much time had passed without hearing from an XXXX, I made XXXX calls to try and file a claim. Each time, they looked unsuccessfully for a claim, and told me that the records for Suntrust was elsewhere. Each time, they promised to call me back but didnt. Finally, on XX/XX/XXXX, I succeeded in filing a claim, by telephone, for {$14000.00}. The bankresponded with a letter dated XX/XX/XXXX. In that letter, Truist wrote, Based on our ability to collect all or part of the amount of the disputed items from the bank ( s ) where they were accepted for deposit, your account has been credited for a total of {$11000.00} as of XX/XX/XXXX. It went on to state that the claim amount was {$11000.00}, not {$14000.00}. Since I received that letter, I have called Truist several times to learn why our account was not credited the full amount of our claim Each time, I have been told that this matter would be reviewed or referred to a different department, and each time I have been assured that Truist will call me with an explanation within a varying number of days in the future ( XXXX or XXXX days, XXXX days, XXXX days ). I have never received a call-back from Truist. This lack of response has held true as recently as XX/XX/XXXX, when a XXXX XXXX XXXX XXXX tried to reach out to Truist at my request. She called the phone number listed in the XX/XX/XXXX letter for Truists Centralized Fraud Claims department ( XXXX ). A recording informed her that that number was no longer in service. She had success reaching Truist at a different number listed in my notes ( XXXX ). She was told that this matter would be escalated and that the fraud investigations department would respond to her within XXXX hours. My assistant called the fraud investigations department ( XXXX ) the next day, only to be told that they had no record of the escalation request that she had been promised. The Truist representative she spoke to on XX/XX/XXXX explained to her, as others at Truist had previously explained to me, that Truist could not replace all the money that had been fraudulently debited from our account because I had failed to file a timely claim. The representative also stated that she would send the claim to Truists Client Advocacy unit for further consideration and that that office would respond in XXXX to XXXX days. When my assistant asked whether she could contact the Client Advocacy unit directly, she was informed that that was not possible. No one from Truist has yet called my assistant or me regarding this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The loss of {$3500.00} is an unexpected and serious blow to us. From the little I have learned from Truist, we must absorb the loss because I was unable to file a claim for fraudulent activity in a timely manner, despite my efforts back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A