Date Received: 2024-01-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have an auto loan with XXXX XXXX, and their website is unusable. I have attempted to make my monthly payment through their website without success on at least a half dozen occasions, it is unusable. I have discussed this with their customer service team numerous times, and they have made no attempt to fix the website issues. Today, when trying to make a payment, the site transfers me to a blank webpage with no option to submit a payment. On at least XXXX occasions, I have been forced to call in my payment because their website is not functional. It is clear to me that this month will require the same additional effort, me remembering to call in to submit payment over the phone. This is completely unacceptable. I am risking missed payments due to their website 's dysfunctionality, which will affect my credit score if I am not diligent in calling in payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I am writing about a current issue I am facing regarding a Truist joint checking account I had with my mother. My mother and I had this joint account for many years and every month her social security benefit deposited into the account where I, as her power of attorney and primary caregiver, would spend on her necessities. I had taken care of my mother for XXXX years and the current issues I am facing with Truist bank stems from my mothers death which occurred on XX/XX/2023. On XX/XX/2023, her last social security payment was deposited into her account which in turn was used to cover her funeral expenses. When Social Security became aware of the date of my mothers death they attempted to clawback the benefit paid out. As the benefit was already paid out for my mothers funeral, Truist opted to pay out the benefit themselves to Social Security and placed an overdraft on the joint account and is pursuing me in attempting to recuperate the payout. The current amount they are pursuing with me is about {$930.00}. I explained to Truist that the account was only for my mother who passed away on XX/XX/2023 and my name was only on the account in order to manage the day to day care and affairs of my mother. Their attempt to pursue me for the balance owed on the account is especially troubling as I am currently XXXX XXXX XXXX and served as the primary caregiver for my parents over the past XXXX years. During that time, and currently, I was out of the workforce and lack the skills necessary to secure employment. At present, I am reliant on minimal support from my XXXX. Given these circumstances, I kindly request your assistance in handling the necessary procedures related to my mother 's account and any pending transactions. Please advise on any documentation or processes required to address this matter promptly. Your understanding and support during this challenging period would be immensely appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX, XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states. '' It is the policy of the Congress that each financial Institution has an obligation to respect the privacy of it's customers and to protect the security and confidentiality of those customers non public personal information. The financial institution and the consumer reporting agencies XXXX, XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX and XXXX whether it be verbal, non verbal, written, implied or otherwise is revoked. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that '' A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2024-01-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: So I deposited a check into my Truist account with a large sum due to a car sale on XX/XX/XXXX, the funds where released in placed into the account in full on XX/XX/XXXX. Ive been calling since the money was released and they have been giving me the run around. They closed the account and locked my access online and debit card access. Ive talked to the fraud department numerous times and they always try to push the date back. Ive called 4 times since the XXXX. I have a video of my account and the amount inside the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX, I phoned Truist Fraud Protection regarding several charges I did not recognize. The CS rep told me that the charges were " pending, '' and therefore Truist could not do anything until they posted to my account. At this time, around {$110.00} in charges had accrued. The CS agent also said if it were fradulent charges, they would likely drop off my account as the " system '' would flag them as fraudulent. He said to call back several days after they had posted, and they would address it if needed. I called back later in the week and, at this point, now had {$600.00} in charges that had been posted to my account. I filed a dispute of the charges and was subsequently denied as these charges originated from a mobile device using a token. I can assure you we didn't make these charges and am unaware how the XXXX XXXX was hacked. I feel Truist is at fault for not shutting my card down immediately and failing to notify me that these were XXXX XXXX transactions if they had this information. I knew we had the debit card in our possession and it wasn't stolen. I just would like my {$600.00} back in my account but at this point Truist has been unable to help me and although a loyal customer I am not feeling very valued as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX check stolen, washed and cashed. Not sure when There is no time stamp. Truist denied reimbursement of monies stating time framework on XX/XX/year>. Truist case number is XXXX. My business office continued to work with Truist to no avail. Police report with XXXX Police Department started on XX/XX/year> XXXX assigned. Nothing resolved and Truist continues to deny reimbursement. I have copies of everything. Amount of check is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: We deposited some checks in Truist Bank account in XX/XX/2022. One of the check got returned and the bank closed the account. Interestingly bank did not returned us the deposit amount of other checks amounting to XXXX. They are still holding the amount when we are asking them to provide a written reason for holding the funds they are saying we will not provide any reason. We asked them to provide us the writing request how we can able to get the funds they are not providing the same as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have filed multiple complaints alleging multiple problems with Truist Bank ( formal SunTrust ) regarding : 1. {$700.00} unpaid promotional bonus ; 2. {$25000.00} unpaid Small Business PPP forgiveness loan ; 3. Unpaid several claims {$130.00} ; {$23.00} ; {$120.00} etc ; 4. Severe Violation of my Privacy {$25000.00} ; 5.Health damages $ XXXX for 4 years etc. On or about XX/XX/XXXX a Truist Client Resolution Specialist emailed me a complaint # XXXX regarding the above alleged problems. I have sent multiple responses to Truist Client Resolution Team member XXXX XXXX, branch member XXXX XXXX and branch team XXXX XXXX XXXX regarding immediate resolution and all related financial losses for 4 years including dropping alleged proof on XX/XX/XXXX to the XXXX XXXX branch window teller. According to the proof, I completed a promotional requirement for business checking to offer a {$200.00} bonus ( code : XXXX ) by depositing {$1500.00} accumulated within 30 days after account opening. As far as personal checking account {$500.00} bonus ( code : XXXX ) it was related to unfair employment practice by the federal government ( see court lawsuits ). I did present the promotion code and copies to the banker at the time of the new accounts opening on XX/XX/XXXX as terms and conditions. I pushed this matter from the end of XXXX XXXX XXXX otherwise I wouldn't open these two accounts in XXXX. On XX/XX/XXXX I also submitted a PayCheck Protection forgiveness application via Truist Business Online Portal before the due date XXXX XXXX XXXX to claim {$25000.00} small business assistance. I sent both copies to XXXX XXXX branch on XXXX XXXX XXXX Further, according to the XXXX debit card agreement, consumers have 60 days to file a claim concerning multiple issues such as : defective product {$130.00} ; unacceptable services {$23.00} ; Overcharged bill {$120.00} etc. I have filed claims within 60 days and completed requested forms in a timely manner ; Damage customer credit in XX/XX/XXXX for reporting fraudulent information {$10000.00} plus fees to three credit bureaus as retaliation; Finally, Truist bank severely violated my privacy such as : failure to provide authentication code for login, failure to block unauthorized phone access ; banking related notary ; intentional vandalism and confuse issues ; treat customer in a hostile way by referring me from branch to XXXX XXXX XXXX XXXX ; XXXX XXXX etc. From the end of XXXX XXXX XXXX this bank never assists me to achieve financial gain per my asking. Each issue has been denied and closed by Truist. I certify the subject statement is true and correct and based on my best personal acknowledgement.Please ask for evidence from XXXX XXXX XXXX submitted on XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I already have three previous complaints. The latest was XX/XX/. It would seem Truist has no intentions of correcting the issues. I will continue to make payments to " other '' options. There's no option for principle and interest payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I am writing to file a formal complaint against Truist Bank for the mishandling of a significant funds transfer and potential discriminatory practices based on XXXX profiling. I have been a customer of Truist Bank and recently initiated the process of transitioning my banking services to XXXX. Due to transfer limits on my new XXXX account, I opted to transfer my funds to my husband 's account at XXXX XXXX XXXX XXXX. After successfully setting up and verifying this external account through Truist 's online banking system, I proceeded with an initial transfer of {$5000.00}, which was completed without issue. However, difficulties arose during a subsequent attempt to transfer an additional {$5000.00} from my savings account. Noticing an unusual delay, I visited a Truist branch for assistance. A bank representative informed me that the transfer was processed, but not yet reflected in my app, and assured me that I could proceed with closing my Truist account. Subsequently, it was revealed that Truist had erroneously flagged this transfer as fraudulent and halted its completion, yet the funds were already debited from my account. Attempts to resolve this issue have been ongoing for over a month and a half. Initially, Truist stated they were awaiting an invoice from XXXX XXXX to confirm the non-receipt of funds. However, as of yesterday, Truist claimed ( via a phone call with client dispute representative XXXX XXXX ) that the funds were transferred to XXXX XXXX on XX/XX/XXXX. This claim was contradicted by XXXX XXXX, which confirmed, upon providing the trace number XXXX, that they had not received such funds. It appears that the funds are still with Truist, but they have somehow misplaced my funds. This leaves me without access to my {$5000.00} which is causing significant financial distress. Furthermore, I am deeply concerned about the potential XXXX bias involved in this incident. A Truist representative in the fraud department indicated that the transfer was flagged due to my husband 's XXXX name. The representative 's line of questioning specifically, whether I had met my husband in person and if he was not someone I met online from overseas was not only inappropriate but suggested XXXX profiling. My husband is an XXXX XXXX of the United States military and a XXXX citizen, qualifications necessary to hold a XXXX XXXX account. This experience with Truist Bank has been distressing, both financially and emotionally, and raises serious concerns about the bank 's operational integrity and commitment to fair and non-discriminatory practices. I urge the Consumer Financial Protection Bureau to investigate this matter promptly and ensure that such incidents are not repeated, while also securing the return of my funds. Thank you for your attention to this important matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A