Date Received: 2022-12-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: i have several situations with truist first I had a chargeback with XXXX they refused to file for a month after they stated it wasnt a chargeback its a merchant dispute refused ot give a temporary credit, until i spoke with XXXX and they sent me back some of my money then truist refused to accept the payment that i worked out thats when they tried to act like they were so with the customer but refused to give me a temporary credit then, as i spoke with XXXX i cancelled the chargeback yet truist refused to notify them so XXXX would not return my money becasue truist made me look like i was trying to get a chargeback and negotiate with them, so i had to refile the chargeback... Next situation I went to XXXX XXXX two different times both times the atm dispursed the wrong amount gave me {$100.00} less than than the transaction i made, once i tried to get {$300.00} and the atm gave me {$200.00}, next i tried to get {$200.00} and the atm gave me {$100.00} filed both claims at he same time, both claims the gave me a provisonal credit, 2 days later denied one of them not even researching the issue, I asked for a information on how they came to a resolution yet they will not provide all they say is Truist came up to a conclusion the transactions were not in my favor i asked them to provide documetnation yet they refuse to provide any useful info on how they made their decision all i get is hung up on and disrespected by agent superviosrs and lied to about they have sent me this info they deny claims withough any proof.. 3rd situation i was been billed for 4 months through a auto insurance after they cancelled me i notified truist they did nothing finally a the recurring charges stopped in XXXX, I emailed agents in their department showing them they had been cancelled me yet they still deny me of the claim, and they have yet to complete any of the claims within their timeframe they will not creidit your account instead they will hang up on you and treat you less than a human and it is bad when you call the branch and they treat you the same way like who cares is the action they display to their customers who they treat like we are the XXXX and that is sad once i find a greediest lawyer I can if Truist dont start treating my issues like they treat those rich people issues cause this is a scamming hateful bank and I gave them all the info to every situation as i will have in the attachments stating that they cancelled me yet Truist still finds a way to deny the claim that sad
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist is holding my check for no reason. I deposited a printed check in the amount of {$1300.00} after my account was 90 days old, the check got put on an administrative hold which means someone physically put a hold on it it wasnt the system. The bank refuses to credit my account temporarily in the mean time and they will not give me any information regarding my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 378XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Teller at this location is not trustworthy. My Debit card number was stolen. I use this Debit card only for withdrawals at this Bank location. The Debit card number was stolen and misused. Truist Complaint Number : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed my account on XX/XX/2018 with BB & T, because I moved to XXXX where there are no BB & T branches. I paid off a {$20.00} XXXX XXXX XXXX XXXX XXXX I have tried repeatedly to close this account, and I have paperwork that says the account is closed, however when I pull up my credit report it says its open and in good standing. I have a letter from XX/XX/2018 that says it's closed. When I call BB & T now Suntrust, nothing changes, they say they will close it, but it's still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66215
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022 I was called by Truist Bank and asked if i had made two withdrawals that day one for XXXX dollars and one for XXXX dollars at a Truist Bank in XXXX. I told the person that called i had not. she told me to to go to my local branch and to call their fraud dept. which I did immediately. On XX/XX/2022 I received an email from Truist telling me that they completed the investigation and the had refunded the money. no refund ever showed up in my account. today at XXXX XXXX i received another email stating that they denied the claim. I have proof of all of this. no one can tell me which branch these fraudulent transactions occurred. this has caused undue stress and strain on me. I am XXXX XXXX XXXX and i have all the stress i can handle. please look into this. i am sure they have cameras in their banks and if they review the tapes they will see who stole the money from my acct. I have copies of the withdrawal receipts that my local branch gave me. the signatures are obviously aren't mine and they are not even signed the same way. i always use my payroll signature which contains my middle initial. one of the receipts has the middle initial and one does not. WHY WOULD SOMEONE CALL ME THAT DAY AND ASK ME IF I MADE TWO WITHDRAWALS FROM MY ACCT? something is very odd about this whole ordeal. i just need my money returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/ I was charged overdraft fees due to some charges that hit my account. I contacted Truist in order to figure out how to avoid overdraft in the future and if I could set my card up where I did not get charged if I did not have any money in my account since I had shut down my business temporarily and did not have any money coming in. They instructed me to avoid charges to my debit card, to use the card controls feature, in which I can Lock my debit card from charges, which I did so on XXXX XXXX XXXX Truist fraudulently allowed merchants to continue to charge my account using the debit card that was locked. I was notified on XXXX XXXX XXXX via email that I had overdraft fees of {$72.00} ( {$36.00} dollars each ). I assumed that no charges would hit my account since XX/XX/, since my card was supposed to be locked via card controls. I was lied to by Truist employees that the only way to not be charged was to use the lock my debit card feature in card controls. If I would have known that it was going to be continually charged on my debit card, I would have just closed the account and waited until a later date to open another business bank account, since I was temporarily shutting down my business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27295
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-14
Issue: Managing, opening, or closing your mobile wallet account
Subissue:
Consumer Complaint: I received an email from " XXXX '' about supposed " Upcoming changes to your Online and Mobile Services Agreement. '' To my knowledge I have no financial relationship with Truist or XXXX ( mentioned in the email message text ). I have never downloaded either app on my mobile phone. I do not want to have a financial relationship with any of these entities, do not agree to any of their terms of service, and am confused why they have my contact information. I tried to access customer service on their website and they have no obvious option to contact them. The fine print of the email message directs me to reach customer service while logged into their App or website. But I do not have login credentials for an account I did not create. Their website does not allow me to reset these credentials using my email. I do not feel it is my obligation to chase down their opaque customer service options to discontinue this relationship since I never sought their services. My name is XXXX XXXX. The message was sent to XXXX. I would like them to close it down any account created attached to my name or my email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: My bank account in not reflecting accurate information when it comes to the balance. I'm getting negative balances when the day before my account reflects a positive balance. On XX/XX/2022 my balance was {$37.00}. I deposited {$60.00} dollars XX/XX/2022 that evening which took my balance to {$100.00}. I made an transaction that night for {$70.00} which left Which left the balance at XXXX. I made an transaction on XX/XX/2022 for {$9.00} which left the account {$27.00}. I checked my account on XX/XX/2022 it was $ XXXX. I'm noticing that transactions are being posted and then removed and being posted at a later time. Which puts my account into a negative balance. This is my second complaint to the Financial Institution. I was not having this issue prior to now. I moved to this state in XXXX. I noticed in different cities in this state fraud and identity theft is higher Once I moved to this current city I started experiencing these issues. The Financial Institution said that they will handle everything for me and put an fraud alert on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33311
Submitted Via: Web
Date Sent: 2022-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Deposited a check on XX/XX/XXXX in the amount of {$3100.00}. Checking account opened in XX/XX/XXXX ( more than 30 days ago ). Check amount less than {$5000.00}. Account never overdrawn. Truist not abiding by Federal Reserve availability of funds policy/act. Truist not making any funds available until XX/XX/XXXX. Need to fine or hold them accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Complaint against Truist Bank XXXX XXXX XXXX XXXXXXXX ) specifically handling of XXXX transactions XXXX New Account opened around XXXX as not happy with my previous bank " XXXX '' which charged me {$25.00} service fee despite long term relationship and approx {$8000.00} direct deposits through my salary -Deposited on XXXX check for {$2100.00} with Truist which was on hold for 7 business days ( understood as it is a new account ) supposed to expire on XXXX - Scheduled XXXX payment on XXXX towards rent payment ( to be paid on XXXX - date expected hold to be released ) - Bank debited my account on XXXX but XXXX payment not sent. - after continuous follow up, they complained about having XXXX XXXXssues and was informed by recipient that payment was received thru ACH on XXXX - processed two more XXXX payments for {$200.00} and {$300.00} on XXXX ( supposed to be immediate ) -- > amount debited to my account but payments processed only after 30 hours, late XXXX after several calls with Bank Reps - scheduled another recurring XXXX payment on XXXX for {$220.00} to be processed every two weeks. Amount debited immediately but payment received by Recipient only on XXXX - Presuming the above issues were due to new account, scheduled another {$800.00} on XXXX to same beneficiary ( already set up for recurring payment thru XXXX for {$220.00} ). A message " payment under review '' was triggered, though this recipient already set up and processed.. - till XXXX around XXXX, recipient did not received {$800.00}. - called the bank and they said, payment was cancelled by the sender ( that is myself ) which is absolutely " false '' ... today morning, i received an email from bank that transaction cancelled by the sender I requested to speak to the supervisor, who i was told, was busy..throughout last week, i requested to speak to the supervisor, but never got to speak to anyone yet. I believe, my account is not being handled well or the bank is having issues with XXXX and the customers are not informed. Due to their problem, the customers are having issues. As a result, my funds are being misused, as the amount gets debited, being used for two days and then gets credited Also, I am worried, that the bank states that the last XXXX transaction was cancelled by me- WHICH IS FALSE. I did not cancel the XXXX transaction and i want the bank to give me copies of all activity. I come from the XXXX XXXX XXXX XXXX ) and I know, the systems have a way of recording all activities. I would like you to take this seriously as other customers may be having issues with this bank but not able to communicate effectively nor do they have the time and just bear it up I can be reached via email or phone at XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A