Date Received: 2023-01-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I earlier filed a complaint about the account I had with suntrust that was closed and it was received and assigned to XXXX XXXX of XXXX XXXX XXXX, However there are somethings I find odd in the response I got, It was stated that my account was closed on XXXX as opposed to XXXX I was told at the branch, and what I was fed at the branch did not happen because I was told then that I would be mailed a check. Now again the response I got from XXXX XXXX of XXXX XXXX XXXX is that {$11000.00} is being held awaiting to be returned to where the funds originated ... Now my question is that. Did suntrust now truist as a company just recently found out about my money at their bank just after my last complaint? After my account was closed almost 2 years ago?????? And after 2 whole years it's still awaiting to be returned??? During those 2 years, what was going on and why was it not returned as soon as they determined the relationship between I and the bank is over? Why does it have to be now they decide to determine it's will be returned????? How solid is their word???????, can I really trust what they say they will do because this will be the second time??????????? if so why was a particular date not stated???????????? why did I not get a statement of my account a as to follow up with my family members who deposited the funds and to confirm if each and everyone got the particular amount that was sent to them??????????????????????????? It's been 2 whole years, surely trust bank doesn't expect me to have every deposit that was done memorized and I demand to know when they funds shall be returned!!!!!!!!!!!!!!!!!!!!!!!!!!! ......
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have a Checking Account with Truist Bank A/C number XXXX. I originally opened this account with XXXX Bank which sold its retail operations to XXXX XXXX XXXX which was acquired by Truist. I moved to XXXX in XXXX, but still maintain this checking account at the Bank. I transacted as recently as XX/XX/XXXX, but when I tried to transact this past week, I couldn't. I called the bank to understand why I wasn't able to transfer money from my account, I was told the account had gone dormant. I used XXXX service XXXX to transfer {$10000.00} to my nephew in XXXXXXXX XXXX for his term fee and living XXXX verified that I had enough money in my checking account but they are unable to get the funds because Truist has deemed my account dormant. They refuse to change the status to active unless I visit a branch, which I am unable to do because I am in XXXX. The only other option thay are giving me is to have someone in the XXXX to go to a branch and I add them as a joint account holder through phone while they are at the branch. This is not possible either. Now XXXX has refered my account to collections which is humiliating as I have never been delinquent or at default before. I am afraid that my credit history will be tarnished.
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: 2023-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am the executor of my mother 's estate. She had a credit card with Truist Bank ( formerly SunTrust ) and I have been trying since XXXX to have the credit balance in the amount of {$210.00} refunded. I have tried calling the numbers on her statement and provided my qualifications papers several times but continually get transferred and passed around or no one can locate the information that i uploaded. I have been to my local branch multiple time. The first time a young lady assisted and told me a check would be mailed to my address. I waited over 30 days and nothing arrived! I received notifications of change of address but no overpayment check. I again went to the branch and spoke with another person in XXXX. I had to provide my paperwork all over again. This gentleman contacted the credit department and told me a check would be mailed and I would receive it by XX/XX/XXXX at the latest. I have still not received the check. When I have attempted to contact the branch person again I get not response! He has gone dark on me. This whole experience has been so aggravating and frustrating and I am at a loss as to how to get it resolved other than filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Applied for a $ XXXX on line company XXXX XXXX with XXXX XXXX. Stated I was approved. Email Loan Agreement. XXXX XXXX signed and I signed. In order to deposit the money you had to have a online account. Did not have one so I open one. He send {$2000.00} for me to deposit in the account. When I did he said he would send the $ XXXX. When I did this XXXX XXXX wrote XXXX checks signed my name and the bank cash then. The bank signature does not match my signature which the bank have on file on my signature card. They went ahead and cash over $ XXXX of checks against my account. I emailed all the information from XXXX XXXX. I even called the bank to tell them to close my account. When into the bank the same day to have it closed. Yet the bank still paid the checks. Filed a police XXXX. Sign a bank affidavit. Bank even mailed a letter after they had cash the checks stating the checks did not look real. Yet they cash them. I had a direct deposit of {$1200.00} the fraud department took the deposit. I never received any documentation stating what they did with it. They also took {$100.00} from my business account XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Only reason I was trying to get a loan was because my motor blow up and my roof is leaking on my house. The fraud department at Trusit Bank has every sheet of documentation. Even after I went in the bank they still paid the checks. I never write checks. Been with this bank over XXXX years I do not even own a check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Getting a line of credit
Subissue:
Consumer Complaint: As Dated XXXX XXXX, I, XXXX XXXX, consumer, credit worthiness has been judged by Truist Bank using inaccurate information from CRAs to deny my extension of credit. ( see attachment )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-01
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Around XX/XX/XXXX, I called Truist Bank with concerns about suspicious charges on my checking account. I asked for a temporary hold to be placed on my account, as this was sorted out. Truist added the block to my account. This block was my idea, however, I was clear in that I wanted the block to be temporary and wanted the ability to transfer money internally between accounts. On XX/XX/XXXX, I call Truist to ask for the block to be lifted so that I can use the account to pay rent. I had to use XXXX to send the money, and this was the only account that could use it. The savings account, which is unblocked, can not use XXXX, but the checking account would be able to if Truist would unblock the account. I am also unable to send money between my savings and checking accounts. Truist refused to unblock saying that can not do so, and that my {$10000.00} is now inaccessible to me and only available at their discretion. They said they have no protocol or department to assist me and that I can not access my money. They also said they could not guarantee they would give me my money. This is theft. I need this money for my expenses, and denying me access to my own money without just cause is unjustifiable. This is criminal. I would greatly appreciate any help that you can provide, and I am happy to provide more details as needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-01-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a forbearance in XX/XX/XXXX. I made a payment XX/XX/XXXX but then I was told to wait until XXXX because the forbearance was 6 months not 3 months which I was told in XX/XX/XXXX. I received modification paperwork in XX/XX/XXXX, completed and returned. I resumed payments XX/XX/XXXX. Several months went by and I checked in with the bank multiple times. They said they had the paperwork. Then finally I was told they couldn't find the paperwork and they would send me another modification. This was done in XX/XX/XXXX. I recieved notice and called to follow up to start making payments in XX/XX/XXXX for a different amount. So I did. I also sent back the XXXX modification paperwork in XX/XX/XXXX. I resumed payments in XX/XX/XXXX. Then every month i was checking on the modification. I would get different reasons from those I would speak to at the bank. I then filed a complaint here and also with fha. Once those were filed the bank then says, the amount on the modification sent in XXXX was not correct and they needed to send me new paperwork. After several weeks I got another set of papers that had a different amount again. I completed paperwork again. Still no resolution.. by this time i applied for a grant. Also then i got another set of modification paperwork bc they said a signature was missing. I requested many times for an explanation of the amounts and why they were different.. i never got clarification. They had all my payments sitting here in reserve. Messed up my credit because my real estate loan hadnt decreased. I had someone from FHA because i continued to escalate through them told me to send the paperwork back so they have it and we will work on making th necessary corrections with the bank. But just get the modification done so i did.. the bank finally was going to process the modification in XXXX but called me and told me i was approved for the grant so the modification wasn't needed. That ended up being incorrect. The housing was asking for documentation on the balance owed that the bank had since XXXX and never responded. I had to get on the bank about sending that paperwork. They sent in XXXX. I called to make my payment for XXXX and I was told that they decided not to wait for the XXXX and they were doing the modification which was now XXXX XXXX. They told me not to make a payment bc I also had over XXXX XXXX reserve from the payments I've been making and all of that was going to be applied and to start making my regular payments in XX/XX/XXXX. I made my XXXX payment on XX/XX/XXXX. They went and applied this as an XXXX payment. I got a call late XXXX telling me i was passed due. They told me i should have waited until XX/XX/XXXX to make my payment because I made in XX/XX/XXXX they took that as my XXXX payment. Ive been trying to work with them but they are refusing to fix the payments. I am making a payment every month but its showing me behind XXXX month because of that XXXX payment they applied to XXXX. So now I'm showing behind in payments and accruing fees. I've called and tried to escalate this many times and nothing gets responded to or fixed. This has been foing on since XXXX. I've continued to make all my payments but because of their MANY errors for over a year. They now want to tell me i need to make an additional payment to get current. This is the insitituons fault since they had no idea what they are doing. They sent XXXX different modifications. Said i got a grant and all was paid then no they were wrong about that. So then they decjde to do the modification after saying they were waiting fir the grant. Told me to pay in XXXX, and I do what they say, to now show im behind a month. Plus I do not think they applied everything correctly from XX/XX/XXXX because I had all my payments sitting in reserve.. they cant explain to me how they came up with the modification total ( which was different 3 times ) nor can they explain how my reserve money was applied but they sure can tell me I'm behind and charge me late fees and modification fees multiple times. Please help me get my payments listed correctly and also need verification on how they processed my payments I've been making and the modification amount. Thank you I have this all written out in in a word document with those o spoke to. I also have copies of the multiple modifications and a letter dated XX/XX/XXXX that my modification was completed and to resume payments. Which is proof that that me paying my XXXX payment on XX/XX/XXXX was to be for XXXX seeing that I only got a letter dated XX/XX/XXXX. I'm not attaching them because they should have copies of all of this and my XXXX calls if notes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2023-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: From XX/XX/XXXX- XX/XX/XXXX we requested and received Covid-related relief on our mortgage payments through Truist ( formerly SunTrust ). By XX/XX/XXXX we were able and eager to restart paying our mortgage. However, since then we have been sent incorrect paperwork to restart the payment process by Truist on multiple occasions. The representatives we have spoken with initially said this was due to confusion on the bank 's part after the merger with SunTrust. At one point we actually filled out the paperwork we had been sent and Truist began auto-drafting our payments ( as we had expected and was done prior to our Covid relief request ) but then reversed those payments saying we had been sent the wrong set of papers and those payments were somehow incorrect. After that they started telling us to call in to Truist monthly to make " good faith '' mortgage payments over the phone to avoid our account being reported as delinquent, which apparently happens if no payments have been made for 18 months. So we diligently did that monthly while we waited for whatever the correct set of papers Truist was supposed to send us ( which apparently takes XXXX weeks every time a new set of forms gets sent ). Then much to our surprise despite all of that our account was reported as delinquent to all of the credit agencies, again despite us making full payments over the phone with Truist since XXXX ( prior to that Truist had auto-deducted our bank account for XXXX other months but then reversed those charges ). So we have been in the sort of darkly comical situation where we have been eager and able to start our payments since XX/XX/XXXX, but Truist has been unable to actually accept our payments because of incorrect paperwork or merger issues. My wife and I have probably spent 24 hours on the line with various Truist representatives since this all started. Ordinarily we wouldn't actually care that much except that this has suddenly and dramatically affected our credit scores. When we discussed this with Truist, they told us to file reports with Truist and all of the credit agencies explaining this but then Truist said they investigated the account and everything still stands. The representative said on the phone they can see we've been making payments but they can't see where those payments are being applied or what account that money seems to be going into on Truist 's end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29609
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello I recently found out about being in XXXX XXXX I've never had an over draft also not for this bank, I can't open a bank account previously I've had accounts close with banks telling me it's for my protecting my identity which was strange, so I recently pulled my report an overdraft for sun trust bank for over 1200 dollars how's that even possible I receive disability this happened in 2018 I'm just finding out also I've made a police report my identity has been stolen in XXXX XXXX XXXX XXXX and XXXX XXXX my child support and disability was stolen recently also police report is with XXXX police dept in Florida
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-31
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Discrimination due to denial of my own credit offered in good faith to receive a vehicle. Please see attachment below
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2022-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A