Date Received: 2022-12-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29527
Submitted Via: Web
Date Sent: 2022-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have been currently disputing a double charge on my bank Truist for over three months for a charge in XXXX for {$100.00}. The first time I dispute the transaction via web. I was given provisional credit after I received an email stating that I needed to dispute the transaction with the merchant, I followed through. I dispute with the merchant three times, no resolution. Furthermore, I also contact my bank in the matter that merchant said no record of transaction was found and can not be disputed through them. Likewise, I have proof that I emailed the merchant and a voice mail that was left. I open a claim with Truist which I received no email was informed to wait. After all this time I called again early XXXX according to the agent I had to opened another claim because the previous representative filled the information incorrectly I was instructed to wait again. No email was sent to me, I was only given a claim number. I called end XXXX the agents toggle my call to different departments and was only informed that I must continue to wait the call had drop. I called once again, the last agent that helped me over the phone reviewed my case and informed me both claims I opened previously were filled in incorrectly thus not being processed. The representative said she corrected the information and email a supervisor in regards, informed me to wait til XX/XX/2023 to call. I went to a Truist walk-in branch, a gentleman assisted me in regards and understood my situation. I am entitled to the money that belong to be. He was having technical difficulties with system, he transferred me over to his colleague, she assisted me to open another claim even though I had one open. She XXXX XXXX informed me that I must wait for a letter in the mail and the claim may not be approved due to it being past 60 days. As well as saying that the claim takes 60 days to process as well. Which upset me greatly because I have been more than patient with this bank to process my refund to my account which is funds that rightfully belong to me that have not been accessible this whole time. This was a situation that should have been solved by the second claim I made. I trusted the representative over the phone to do their job correctly and because they did not, I am paying the consequences of their actions. Her response made no sense because it also took time to dispute the transaction with merchant, and it also took time to receive answer from them. I only comply with what I was told at the time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33155
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Dear Sir/Madam : Thank you for your time. I have a small business checking account with Truist, and I always check my account before I use my debit card to conduct business. But recently I discovered that the bank was withholding purchases and placing them in pending status sometimes as long as weeks. Finally, when all the transaction are drop in the account it causes overdraft resulting in fees. I contacted the bank to resolve this issue, I was told by the young lady that it was the bank discretion on how long the items remain in pending status. The reason I used the debit card to make purchases. I have direct deposit from my social security, I am senior citizen on XXXX with a fixed income, and if nothing is done, I will not be able to make my rent payment on the XXXX of XX/XX/2023. This will be creating undue hardship. I need some kind of help, thank you, and XXXX bless. XXXX XXXX XXXX, ( XXXX ) XXXX - cell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I sent several letters to XXXX XXXX, XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None if these companies responded to my letters.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Hello : Once SunTrust merged and became Truist I began receiving overdraft fees in abundance. On XX/XX/22 I contacted Truist and told the Customer Service agent that their Available Balance info was not being properly updated to include ALL transactions, holds and pending items, despite Truist having a note next to the available balance that reads : " Your available balance is the money currently available to make purchases, withdrawals, and payments. This balance is updated throughout the day with the transactions you make, including pending transactions and holds. It does not include bill pay checks or checks you've written or deposited that have not yet posted. This balance is used in making payment decisions and triggering overdraft fees if applicable. '' Despite that statement, I would later be charged overdraft fees for items listed in " XXXX XXXX Transactions '' as pending transactions when balance available above does not show a negative balance. I have screenshots and phone recordings with the bank. There is no way I should be charged an overdraft fee for a charge that's listed as pending when according to Truist 's statement right next to my available balance, that pending transaction would have been included in my available balance above. Therefore, as soon as that transaction is pending my available balance should've been negative. Yet my balance never showed negative for this transaction. In fact, I received a bank notification at XXXXXXXX XXXX stating my balance was {$19.00}, then at XXXXXXXX XXXX I received a text saying my account was negative {$14.00}. Then at XXXX I checked my account to find it's negative {$42.00}. I was also charged overdraft fees on XX/XX/22, XX/XX/22, and XX/XX/22. I truly believe Truist is not accurately reflecting all transactions, holds, and pending transactions in customer available balances. I do not write checks, so that is not applicable to me. These frequent overdrafts make me look financially irresponsible when I am not. I pay my bills early or on time and keep a running budget of expenses, spending, and bill due dates. This should not be happening and I want to close my account with Truist and go to another bank. Myself and many of their customers feel they are crooks. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I checked customer complaints online and on XXXX and found many customers have been receiving constant XXXX fees since SunTrust became Truist. I think they are being dishonest in the way they post customer available balances in order to charge overdraft fees. I have screenshots and dates that I'd like to provide. Thank you.
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: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are Inquiries that are reflecting on my credit report that I have not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23324
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been waiting on a XXXX XXXX flex modification to complete for over three-months since returning the permanent modification paperwork XX/XX/2022 ( Date received by Truist, XXXX XXXX : XXXX - also see photos included of signed documents and UPS package XXXX. My number XXXX concern is getting this permanent modification completed. Truist has not been in touch with me about any additional delays, even though at XXXX point it seemed due to XXXX funds coming in that my modification had been stopped, but we got things moving again all the way until permanent paperwork and then nothing. So my first and primary issue is- where is my permanent modification? This is not the first time I've had issues with the former Suntrust ( now Truist ) harming me. They did it during the last housing crisis when I ultimately achieved a loan modification ( my first on the property ). I even was in discussions with the XXXX XXXX since it appeared Suntrust continued to commit crimes after their huge settlement, which amazingly I was not included because I was harmed AFTER the settlement. I asked that they re-open the case and not defer criminal prosecution because they were/are still doing the criminal acts. Ultimately Suntrust offered me money that I never received. The XXXX simply forwarded my communication to Suntrust and accepted everything they said as gospel. I ask that the CPFB please not trust XXXX and PLEASE verify what they say. I have provided a lot more documentation this time so that this complaint doesn't simply get sent to Truist, they respond, and XXXX closes the case. In addition to still waiting on my permanent mortgage modification, I would like to report some of the misinformation, delays, deception, and intimidation tactics by XXXX XXXX XXXX past year. Ignored electronic messages/ or did not follow-up as promised Sending representatives to my house unannounced during peak XXXX My repeated requests to enter loan modification ignored ( for XXXX months ) Due to missteps and delays by Truist, I XXXX out on XXXX XXXX interest rate Automated dialer calls to my mobile even though never approved Automated dialer calls continue even after requests to remove Totally inaccurate information given on loss mitigation programs, repeatedly Repeatedly requesting borrower response package when none required Sending workout options after already contracted for trial modification Sending letters during trial and after that my mortgage was delinquent Phone calls on missing trial payments which were in their inbox each time After completing trial, told they were keeping my payments, and to start over I have provided a chronological timeline and all my notes made for each correspondence ( uploaded ). I am sorry it is so long, but this is over a year of communications and there is just so much that has gone wrong on XXXX side that I'm not even sure how to fit this all in XXXX complaint. It is only due to the fact I educated myself with the Fannie Mae flex modification guidelines that I even made it to the end, because multiple times I had to completely ignore what the Suntrust XXXX was telling me and ask to proceed because they themselves did not know how the processes work. In fact, I would say nearly XXXX XXXX of the communications were inaccurate or misleading. That is insane! CFPB- please REGULATE! Not only have I experienced financial harm as a result of Truist 's inability to follow the federal guidelines, but it has come at great emotional / mental health costs. Probably the worst thing that was done is Truist taking my trial payments, even after I had received XXXX funding and saying I must continue making them, overpaying my mortgage, then telling me there is no modification and they are simply going to keep the extra money and that they had a federal right to do so even though they could not point to any law or regulation saying they can. This was a theft of my property. I would have NEVER made extra principal payments being I'm under financial distress and eligible for a loan modification. Somehow XXXX XXXX XXXX having a borrower under distress, with a year of payments unpaid, to having all those payments covered, some principal paid down, and an extra month prepaid. Basically the loan went from high risk to prepaid and Truist didn't have to do anything but lie and deceive me to get to that point. If this permanent loan modification does not get processed, I would like to request criminal investigation as to how they were able to get me to pay more than I owed telling me it is to get the modification, then say there is no modification and they will use the extra cash how they see fit. That can not be the law and so far, no one at Truist has been able to tell me by what laws they accomplished this reduction of risk on their mortgage with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32605
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with customer service
Subissue:
Consumer Complaint: I was in an accident and was rewarded money from it. I called truist to let them know that I wanted a wire transfer to a car dealership. They said that I could. But instead of them wire transfer into the the car dealership, Truist sent them a check DURING THE MIDDLE OF A HOLIDAY! I was in need of a car since I did not have one, so I called them to get things straightened out. I was then told that I could not wire transfer unless I was in a physical location. I couldnt because I was in a different state. Well, I decided to wait for the dealership to receive the check. They havent yet received the check! Now Truist wants me to PAY THEM ( TRUIST ) for canceling the check. Im not paying out of pocket for something I did not do. I was once again told that I could wire transfer and after a few days I called back to do a wire transfer and said ONCE AGAIN that I could not do one. The check was sent out on the XXXX of XXXX and was to arrive XXXX. Its now the XXXX and I have no car and no way to work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have issues anytime Im about to be charged or have a deposit. I received a payment for child support on XX/XX/2022 and its not in my account. This seems to be happening more, I was double charged by XXXX and given a temporary credit, I called immediately when I received a reversal and asked to remove the provisional credit, it wasnt removed and charged back to me. It is tbe XXXX and I have not received my {$200.00} deposit that was wired on XX/XX/2022. I dont want to incurred any fees because theyre holding my deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: TRUIST BANKS XX/XX/XXXX Request cash advance of {$1500.00} Realized didn't need and paid back immediately Called bank to have fees taken off since wasn't a need ; customer agent said because I had paid back they would have to do a reversal to have fees taken off but would be taken care of. Called back about 2 weeks when nothing seemed to be done and was told that customer agent didn't do forms correctly and it was rejected and saw new form was submitted and nothing they could do except send email to their supervisor. Went into Truist bank to speak with someone since a reversal was done and the {$1500.00} was back in my account and they couldn't do anything but suggested I pay back the {$1500.00} again and hopefully that would clear up the fees. Called credit card line again a week later because I now have interest fees along with cash advance fees and was told that it was in progress and someone would be in touch. Called again around XX/XX/XXXX to find out what was status and was told that it was still in progress but customer agent would send email to supervisor and should hear back soon. Called again today, XX/XX/XXXX, and received the same response of sending email to supervisor and someone would be in touch. During this whole process, have not received a response, either by phone, email, letter, or text in response to my numerous and repeated attempts to have fees taken off my account. This has been going on for close to two months and I have made numerous attempts to handle before more fees are added but can't get a response or anyone with any authority in branch or on line that can handle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A