Date Received: 2022-12-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX of 2022 I opened an online bank account with Truist in hopes of building a relationship with the company. I have a small business and was hoping to utilize some of the products the company offers to help people like me. On XX/XX/2022 I received a notice of account closure. I called Truist customer service to inquire on the reasoning behind the closure and the representative informed me that it was for identity fraud. The rep then transferred me to the fraud department, who confirmed this reasoning, and proceeded to informed me that Truist is requiring me to enter a physical bank branch near me, with XXXX forms of identification, to reopen my account. The rep also informed me that there was no way I would be able to upload the required documents. When I opened the account initially in XXXX, I uploaded the required documents which in-turn led to Truist to accepting me as a member. Even going as far as letting me deposit money and sending me a debit card. If Truist suspects my identity as fraudulent, why didnt this bank flag me in the early application stages? Does Truist require all members to visit a local branch to verify identity? I live in XXXX, Ohio and the nearest branch is in XXXX, Ohio, XXXX miles away! What if I cant make it to the nearest branch? Whats the solution then? Close my account? I refuse to believe that with all the modern technology today, Truist Bank cant figure out a way to verify a new members identity without requiring them to come into a physical branch. I believe I am being wrongfully targeted and am being totally neglected by this companys policies and tactics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 454XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: XX/XX/22 : attempted cash advance at a TRUIST ATM on a TRUIST charge account. XXXX x declined for {$200.00}. NO MONEY RECIEVED. XX/XX/22 : declines still appear on my statement against my balance. Called TRUIST to resolve for the third time. Asked to escalate to a XXXX, rep on the phone refused to transfer to a XXXX, told me it was a " process '' and the charges would eventually come off. These fees go against my daily balance costingvme additional money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On around XX/XX/202XXXX XXXX XXXXXXXX {$13000.00} loan was put into my Truist checking account I was informed with a text like a gentleman by the name of XXXX XXXX Text my loan was approved That I requested I am really fired back at a text saying I did not authorize this get the money out of my account soon after that I received a text message from Truist saying that there was money deposited into my account within 12 hours and 2 withdraws the money was taken out of my account.. via online banking which I never had Truist let these people set up an online banking account attached to mine with an email address and phone number that werent my own I immediately got notice that my account was - {$13000.00} plus and then I was accused of being part of a scam ..to say I was not happy would be an understatement, as a matter fact I requested to shut down the account immediately and start a fraud investigation I gave the people in the fraud division at Truiist all the information on the individuals or people in Texas and people in California I had their numbers and gave them all the information I had The individual in Texas had put in some kind of a check that was bogus and that was part of the XXXX some XXXX XXXX months later I was founded not be part of the scam I Given an affidavit from Truist Bank to sign in the appropriate areas and you have notarized and witnessed stating that I was not part of the scam and I was supposed to recover my funds were going on seven months now And to add insult to injury employer still put a direct deposit into the account of Of courseI received a live paper check Its all transpired from a Saturday XXXX until the Monday that I was informing our payroll department to 36 hours if that Monday of that pay week i informed Our payroll person that the account is compromised and I would need a check at the end of the week instead of in my direct deposit Because my account was compromised it was told yes OK thats fine XXXX But direct deposit went into the account anyway which Truist kept knocking the {$1400.00} off of my - {$13000.00} bill plus balance and there was {$430.00} In my account when its all transpired on that Saturday these people knew exactly when to do this XXXX and there are no branches open and the fact that Truist allowed them to open an online banking account which I would never do and youre a different email and a different phone numbers in my own is Criminal and just wrong And to add insult to injury Since Truist kept the direct deposit my employer made me pay back the {$1400.00} out of my pay over the next couple pay checks taking {$300.00} out each pay it was paid off and I OK that I wanted to play by the rules because there wasnt much I could do about it anyway.. And I adamantly begged the people at Truist to give the money back to my employer they absolutely refused.. And were belligerent about the whole matter because I was still guilty instead until I was proven innocent by thier fraud investigation The person I work with at the local branch his name is XXXX will just call him that which is his name its been almost 4 months since I handed in that paper that he faxed ..the affidavit. Which I had to get notarized and witnessed and signed as proof of my innocence and that I wasnt part of a scam He said I should have my money back after we open up a new account in about 5 to 7 business days ..Im losing my patience.. because XXXX kept trying to call the fraud department with already signed off on the matter when he was supposed to call the charge-off department so that they could sign off on it too.. how do I know this because I got through to both entities within the last couple weeks I just want my {$430.00} back which was in my account when this originally all transpired on around XX/XX/2022 and I want the money back for the direct deposit that I paid back to my employer the truist kept so you do the math {$1400.00} plus my original {$430.00} comes to {$1800.00} I want to put back in my account, once I go to a branch and open a new account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a post card datedXXXX stating acct. ending XXXX from Truist bank was overdrawn by { XXXX } .The acct had been overdraft for more the XXXX. When I received post card I immediately went to Truist bank to let the bank know that someone had committed fraud. On XXXX went to bank to no avail. Then went to XXXX police to file a report # XXXX. After police report I returned to bank and the bank was receptive at that point. Truist bank then gave me an account statement. Someone had used my name, address and ss # to open a checking and savings acct. there. the opened the acct. online. The email of bank representative : XXXX email of person committing fraud : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report. Truist : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$8000.00} Truist : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number : xxxx open date inconsistent and or duplicate account. XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX XXXX Account number : XXXX inconsistent. Not mine, do not have a contract with them. I also have XXXX different social security numbers being reported on my XXXX report which is impossible. My social security number ends in XXXX, but you have it has both XXXX, and XXXX which suggests these accounts may belong to whoever social security number ends in XXXX. The dates these accounts are reporting to have been open are inconsistent. The amounts are inconsistent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30312
Submitted Via: Web
Date Sent: 2022-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a new XXXX XXXX XXXX XXXX in XXXX of XXXX. It took a bit longer in paying off the vehicle. The principle was Satisfied XXXX of XXXX with Regional Acceptance Corporation the finance company. XXXX XXXX hurricane Ian happened the car was destroyed. I've been trying to get them to wave the excess fees because the principle is paid. They are ruining my credit predatory with this loan. I even asked to eork a deal out or settlement. They aren't willing, to comply. I lost everything including all my other possessions my home. I've asked for my principle satisfaction and they won't provide it to me. XXXX has never given any money for the vehicle. Insurance nothing. I've shown proof of loss yet they aren't willing to comply or settle with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2022-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I HAVE BIG ISSUE WITH TRUIST BANK AND XXXX PULLING MY CREDIT REPORT. I have been trying to apply for credit but both banks are stating they cant pull my XXXX report. I thought that they couldnt pull my report because my credit angecies was frozen. BUT, it was NOT. I was able to get credit extented at a different bank. However, Truist and XXXX is not having any sucess oulling my credit. I want Trusit Bank and XXXX be able to pull my credit so I am able to get funding extented to me. thnak you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX, we sent in our normal payment. We were a bit tight, so our XXXX was helping us out ; they provided a check for {$500.00}, while we paid the rest. We included our mortgage statement in with the payment, just as we had every single time we did this process. Truist " processed '' our payment on XX/XX/XXXX. Unlike every other time we've done this, they suddenly forgot how to process multiple checks. They applied our check towards principal only and sent the XXXX XXXX check back to them. Due to the fact that it took some time for the XXXX office to figure out what was going on, direct the check to the XXXX, and the XXXX to jump through the hoops required, Truist marked our payment as over 30 days late, even though we had done everything right. Fast forward to today. We are down to 77.76 % XXXX, our missed payment is more than a year in the past, and they still will not drop our PMI due to that 30 day late payment which was their fault, not ours. We have requested it to be dropped twice since it has dropped below 80 %. The first time was in XXXX or XXXX of this year ; when on the phone with them, discussing why they rejected us, their customer service rep saw the " missed payment ''. When told about what had happened, she was able to follow the trail and confirm that it was their mistake, but that too much time had passed since it occurred and they were unable to do anything about it. The second time was just this month ( XX/XX/XXXX ) ; we just received the letter of denial in the mail. What are our options? We are below the government-mandated 78 % level for automatic PMI removal, but they're still throwing their mistake in our faces. We've paid over {$1200.00} in PMI that I don't feel that we should have been required to pay, as they were the ones that made the mistake processing our payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17022
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist representatives have refused to endorse final insurance checks for repair of home mortgaged through the bank. On XX/XX/XXXX I met with XXXX XXXX at XXXX NC Branch office to have 2 insurance checks endorsed totaling about {$18000.00} for final payment to the contractor. She was refused authority to sign from a remote office that apparently has approval authority. I was told they insisted on 3 business day review time. I returned 4 business days later on XX/XX/XXXX. Met with XXXX and XXXX XXXX on this occasion and was again refused endorsement. The remote authority had not progressed on the request. I returned again on XX/XX/XXXX with yet another refusal. I was informed only " added steps are being taken ''. No further explanation was provided. I gave my phone number to XXXX at her request. Eight days have passed since my last visit without further contact. I stated these checks were for final payment. On XX/XX/XXXX I met with XXXX XXXX of the XXXX XXXX XXXX. The first check of {$30000.00} was endorsed by XXXX. The home in question is in the estate of my sister. I am her sole executor. In the XX/XX/XXXX meeting I provided XXXX with original death certificate and Letter of Testamentary. Also, I returned XXXXXXXX XXXX safe deposit keys and her joint deposit accounts were consolidated with separate accounts of joint owner. I do not know why the delay nor have I been given a date to expect action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28461
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-15
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: TRUIST Item Processing Center XXXX XXXX XXXX XXXX NC XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX They are in violation of 15 U.S.C 1605, 15 U.S.C1635, and 15 U.SC 1692h and 15 U.S.C 1666b. I am requesting the return of my moneys due to fraud. The contract is now null and void failure to disclose right of rescission. Automatic violation in the truth and lending act ( TILA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A