Date Received: 2022-12-27
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 I called Truist Bank because I had an unrecognized charge. So they closed my checking account and advised me to open a new one. I then opened a new account and attempted to move the money from the closed account to the new account. I was unable to do it online so I then went to the Truist Bank in XXXX, KY on XX/XX/2022 and the man there said he couldnt transfer the funda from the closed account to the new opened checking and he advised me to call Truist and tell them so I then called Truist XXXX and the woman who answered the phone call told me that she couldnt transfer any funds from the closed account to the new recently opened one. I dont know what to do now because nobody is helping me and my money is in a checking account that I dont have access to anymore. I need my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
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: Trouble during payment process
Subissue:
Consumer Complaint: We were a victim of Hurricane Ian. My wife and I took the time to get our damages mitigated to the point where we had help from our church members and family to get all the damages contained and repaired. We received from the flood insurance policy an emergency check for XXXX to help with obtained materials. We now have received our final check from the flood insurance for over XXXX ( total damages over XXXX ). We sent to Truist the check since they were named on the check as a lienholder and they have received as of XX/XX/22. We uploaded all the documentation including the proof of loss and the adjusters work sheet and then requested an inspection, since we were 95 % done with the repairs. Inspection requested on XX/XX/22. Truist did not send to their third party vendor until XX/XX/22. Since our repairs are over 95 % complete, we asked for an expedited inspection since we were that far along. To date, no inspection has been set up so that the inspection can be done to verify the repairs are completed. We have used our credit cards to pay for all the materials, labor and other items related to these damages. and now we will have to pay interest charges on our credit cards due to the delay with Truist Bank 's continual delays in the inspection process. This is not the first time we had to call on CFPB since we had an incident with them several months back related to our Escrow account. I would not bank with Truist if we had another choice in our area, but they have all the banking in our area. Can CFPB get in touch with Truist and get an answer why the current delays?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33917
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an account Statement onXXXX dated XX/XX/2022 from Truist for a checking account I did not open and that had expenses for maintenance fees deducted against the account. When I tried to contact Truist they repeatedly asked for my social security number which I would not give them and then instructed me that the only way I could resolve this fraud was to appear at a Truist location in person which I refused and asked to speak to a manager. After my request to speak to a Truist manager the phone was hung up by the Truist customer service rep.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43202
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In XXXX of 2022, someone opened a credit card at Truist Bank in my name and put {$3200.00} on it. I do not bank with Truist at all! I found out about it in XX/XX/2022 and I have repeatedly tried to speak with someone in the fraud department or customer service at Truist concerning this. In late XXXX XXXX I was finally put in contact with a Truist fraud specialist who was supposed to be handling my case. On XX/XX/XXXX, I sent this " specialist '' a copy of documents confirming my identity ( things that she requested ) via email. I have repeatedly tried to follow up with her by email and phone to get an update and she has failed to respond. This fraudulent credit card remains on my credit and is ruining my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Truist closed my business checking account. And they have refused to give me the balnce of the account after closure. This is criminal and illegal and they no right to hold on to funds that do not belong to them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
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: Trouble during payment process
Subissue:
Consumer Complaint: Truist has repeatedly sent me letters falsely stating that my mortgage is not being paid on time. I pay my mortgage on the XXXX of every month, which is within the grace period. I have been doing this every single month for nearly 13 years and have never once been late. When BB & T owned my mortgage, I never received a single letter like this. Yet, I have started receiving these letters from Truist, which are always dated the XXXX of every month, falsely stating that the bank has not received my mortgage payment. These letters threaten interest and late charges and state that they are an attempt to collect a debt. I called Truist about this over the summer ( 2022 ) and informed them of this problem and that I, in fact, have never missed a single payment. They told me it would be fixed, and for a while it was. Then I began receiving these letters again. These letters are false, upsetting, annoying, and potentially defamatory ( if they are being published to a third party ). My concern is that Truist is going to either intentionally or unintentionally report this inaccurate information to the credit bureaus, damaging my credit. If this happens I will take aggressive legal action against the bank. Truist can easily check my records to see that these letters are falsely accusing me of not paying my mortgage on time. This is, therefore, an easily correctable problem. I want Truist to stop sending me false statements that I am not paying my mortgage and to please update their system to stop sending me these letters. Truist needs to stop automatically sending mortgage customers late notices on the last day of the grace period, since a payment can still validly and timely be made on that date. In other words, they need to wait until at least the XXXX of each month to send these. I dispute any statement from Truist that I have been late with any of my mortgage payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair Reporting act XXXX Account has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 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: PA
Zip: 19135
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: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX) sent me NonRenewal Notice of Termination effective XXXX XX/XX/XXXX Truist Bank XXXX Mortgage Lender sends letter to me stating XX/XX/XXXXXX/XX/XXXXnotified them my property insurance was cancelled ONE YEAR PRIOR : XX/XX/XXXX and will FORCE PLACE hazard property insurance {$4000.00} because they did not read XXXX XXXXXX/XX/XXXX NonRenewal Letter accurately . XX/XX/XXXX. XXXX Truist sends second notice XXXX XXXX " XXXX cancelled XX/XX/XXXX '' and they will FORCE PLACE. XX/XX/XXXX I email XXXX and attach Truist letter XX/XX/XXXX with WRONG insurance expiration date AND I attach the XXXX XXXX NonRenewal Notice cancelling insurance XX/XX/XXXX. XX/XX/XXXX XXXX XXXX, agent, XXXX XXXX called spoke directly to Truist, faxed them the XXXX XXXX Policy DECLARATION Page showing Effective Dates XX/XX/XXXX to XX/XX/XXXX. Specifically told them they are reading the dates WRONG. There NEVER was a lapse in coverage. XX/XX/XXXX Truist FORCE PLACES Hazard Property Insurance and charges {$4000.00} to be added to my Insurance Escrow XX/XX/XXXX I purchase XXXX XXXX XXXX XXXX. Truist pays XXXX XXXX {$2100.00} annual premium to be added to my Insurance Escrow
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: its a 30 day last payment reporting on my credit report when I was never late on my payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Truist bank has been the most unfortunate and deceiving bank I have ever worked with. They allowed over {$3500.00} of unauthorized charges to be made on my card and after opening and disputing the charges they are telling me they will need up until XX/XX/XXXX to determine my claims. I opened this claim with XXXX XX/XX/XXXX when I initially noticed the charges. The next day, XX/XX/XXXX I get an electronic mail stating that they are only going to investigate half of the claims ( totaling {$1600.00} ) because they found no error in the other charges despite the transactions being made around the same time using the same chip card. I even let them know that I filed a police report regarding the unauthorized transactions since it was over {$3000.00} stolen and provided copy of the police report filed. The worst part is dealing with the Fraud dispute department, they lack any kind of sympathy and urgency to their customer 's especially with the situation of fraud. In those three weeks from XX/XX/XXXX i didnt get any type of follow up from Truist or even confirmation that my documents were received, it wasnt until I contacted them today that I was told they started looking into my case today. Thats what prompted me to even file this complaint. I greatly regret ever opening an account with this bank. I I'll never do any type of business with this bank even if my life depended on it.I am so disappointed with the way that Trust is choosing to handle this situation especially in a time like this. It is 3 days until XXXX and my account is overdraft and I have no clue what else to do. After this case of finished I will definitely be closing my account with this bank. ( Claim No : XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A