Date Received: 2022-12-22
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: My sister, XXXX XXXX, purchased a car for XXXX and a finance of 19 % for 72 months, which equals XXXX. It has now been 10 years ( not 6 ) and she has paid XXXX and Regional Acceptance says she owes XXXX more, which will total XXXX for 2012 XXXX XXXX. They are violating MD Law 14-315 f ii, which states loaner can only charge 1.5 % of the monthly payment for late fees. She will sue them in court as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21207
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: After opening an auto loan with Truist I received a promotion to open a banking account with them using promo code " XXXX '' and after two direct deposits within 90 days a {$300.00} incentive would be added to the account. The account was created, with the promotion website showing the enrollment date as XX/XX/2022, after which two direct deposits were made XX/XX/2022 and XX/XX/2022 before the 90 days since the enrollment date shown. However, on XX/XX/2022 I received an email notifying me that the promotion had not been met and I would not be awarded the incentive. I called the number provided, to which they could not provide me with any assistance nor insight as to why it was denied, instead they were directing me to a branch which is nearly 300 miles away. After that I received a contact form of which I provided information to and requested clarification, of which I received no reply. Today, I contacted customer service again, of which the first representative attempted to play XXXX about the offer details, at first continously misinterpreting the promotion, claiming different deposit amounts, then using a points system, then bring in the auto loan. After repeating the information five times, then he proceeded to content that only one deposit had been made despite my online banking showing all the deposits made. Finally, he then said the offer was qualified but could provide no proof or documentation, and that I would just have to wait 8 weeks to receive the incentive, but if I didn't I would need to call again and restart with customer service or I could visit the branch 300 miles away. After continously asking for documentation I was referred to a supervisor of which then I was informed that the enrollment date had been changed to be XX/XX/2022 and because of which my deposit on XX/XX/2022 conveniently did not qualify, but then she escalated for support but could not provide documentation because they did not have email. I have since tried a XXXX XXXX XXXX complaint and attempted to contact the company through phone and email all of which have gone unanswered or not replied too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78572
Submitted Via: Web
Date Sent: 2022-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: A month after I purchased the car my radio screen went out as well as my battery, not even two months after I had to buy a new set of tires and now at almost a year of my loan my car is having more and more problems!! The problems after the first month were addressed at that point and time and the dealership advised there was nothing they can do and they would not let me out of the car, the sales man that sold me the car quit along with most of the staff involved. Im now stuck in this car that has less that half the value Im paying for it XXXX XXXX In XXXX, AR
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX the XXXX 2022, I deposited a check for XXXX dollars to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX. The teller informed me that the bank was going to hold my funds for XXXX business days. The receipt I was given states that the hold is the result of my having overdrafted my account multiple times in the last XXXX months. I called the branch I made the deposit at the following morning on the XXXX and spoke with XXXX XXXX. I asked if some portion of the funds could be released and XXXX XXXX explained to me that no portion of the funds will be released until the XXXX of XX/XX/2022 and nothing could be done. I looked through my bank records and found XXXX overdraft that was a result of my having insufficient funds from XX/XX/2022. XXXX XXXX told me that the hold was a result of the bank the check was drawn on and not because of my overdraft. I worked hard for my money and was depending on it for the care of my family and the purchase of XXXX gifts. The idea that a bank will hold my money to punish me and my family because I can't afford to save money is reckless and immoral. This decision by the bank has ruined XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have no acknowledgment of this account that is showing a negative impact on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19406
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Truist will not allow me to open a banking account with them. In the past, Truist overdrew my account and shot it down. When I try to open a business account they denied me. They discriminate against me due to past banking history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94605
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ate lunch at XXXX XXXX on XX/XX/22. The total was about {$30.00}. I was fraudulently charged {$190.00}. I am unable to reach someone at the XXXX. Truist refuses to credit me for the fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was impacted by the XXXX pandemic, and as a result was approved for a deferment program last XX/XX/XXXX. Most of my mortgage payments for XXXX were placed into a suspense account until XXXX XXXX approved my deferment ( this is what I was told by Truist ) and once the approval was granted, the money in the suspense account was applied to my principal and my escrow accounts. However, the amounts were applied incorrectly, and I have tried multiple times to get this rectified with Truist. As of XX/XX/XXXX, my escrow account should have {$5000.00} in it, but there is currently only about {$1400.00} in the account. The difference in the amount has been applied to the principle balance. This has caused a large deficient in my escrow account, which will then cause me to have much larger payments once my escrow account is reanalyzed in the fall of XXXX. I received a letter from Truist on XX/XX/XXXX, dated XX/XX/XXXX, apologizing for the mistake and saying that the payments were applied correctly. Yet when I checked my escrow account balance online and called Truist to confirm, the balance in my escrow account is still not correct! I am frustrated that Truist is not handing this correctly and would like to elevate this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/2022, I refinanced my auto loan with Truist Bank, my loan was processed with XXXX XXXX a member of the XXXX XXXX department. The middle of XXXX I contacted XXXX XXXX whom help me with my refinance and he didnt respond so I emailed him and he still didnt respond to my email. I called his office and was told he was on a call and would give me a call back which he did not, about a month went by and I still did not get a call back nor had I received my auto tag. I then called and asked to speak with a XXXX and I no longer wanted to speak with XXXX XXXX and then the same day XXXX gave me a call and said he didnt know what was going on and was unsure of why I hadnt gotten my tag. XXXX stated that it was not his fault nor Truist by this time I had paid XXXX car payments and I had been pulled over by the police department for driving without a tag. I then tried calling the bank XXXX XXXX to see if they could help I spoke with XXXX and she gave me her direct number XXXX and she promised that a manger would give me a call as of XXXX no manger has given me a call nor do I have a tag for my car. I have reached out to Truist corp office several times and I have now paid XXXX car payments and occurred travel expenses because of no tag. I would like to be compensated for the travel fees and XXXX auto payments that i was unable to operate my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been dealing with a case of ID theft which I had reported to XXXX, the FTC and to the parties where credit cards were attempted to be taken out in my name, as well as bank accounts set up under my name. 2 were in successful in being ratified by the same company ( Truist ). One being in XXXX for a bank account/CC being issued to an unknown party and recently a short-term, unsecured loan of {$7500.00} on XX/XX/XXXX. I only knew about this because their debt collection department called me on XXXX to ask where my payment was which I was of course ignorant of knowing about. They have been extremely inept in dealing with both case and find it alarming that they allowed 2 cases to slip through their defenses especially with knowing that I already had a dispute with the previous case. Furthermore, I'm not even a Truist client I closed my accounts with them in XXXX I filed a police report in the county where the infraction took place and am waiting for a a police report to be created so I can submit it to the fraud department to help close my case ( at the request of Truist ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90025
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A