Date Received: 2022-12-08
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: ADDITIONAL COMMENTS I still receive multiple daily calls to pay interest fees and late fees on the interest they say is due. The letter I received repeats the same narrative that their representatives state on their phone calls and use intimidation tactics not allowed by debt collectors. However, since the Federal, State and Local governments are solely on the side of the banks, my complaint was useless. I am a fly on a very large wall run by the banks, saved again throughout history by the government. The average citizen does not count, and you prove it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account # XXXX has violated my rights 15 USC 181 SECTION 682 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer report furnish an account without my written instructions. 15 6SC 1666B : A creditor may not treat a payment on a credit card account 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: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I had just opened up a joint account with Truist in XX/XX/2022. We had just gotten married and were excited to begin a new relationship with Truist. On XX/XX/XXXX my husband had received an XXXX check from his job for {$1100.00}. My husband endorsed the check and submitted a mobile deposit through his Truist app. Later that evening his card was declined while trying to buy dinner. He was never notified that the account was blocked prior to this. We both reached out to Truist immediately and spoke to the fraud department. No one could tell us why our joint account was frozen/blocked and could only assume it was the check that was deposited earlier for counterfeit. I had requested to speak to a XXXX and no one was available at that time but we were told the problem could be expedited. They recommended we go into a branch which is what we would do the next day. My husband went to a Truist branch located in XXXX, GA. He was told there was nothing they could do for him and was given the same number to the fraud department. So we called again and finally spoke to a XXXX who to no avail, could not give us the reason for the account being frozen and said the check looks like it may be available XX/XX/XXXX. Of course my husband and I are incredibly upset and live paycheck to paycheck. Our rent, car payment, electric, food and gas were all going to be paid from our Truist account. We had no cash or additional funds. At this point my husband can no longer access his account but I am still able to see mine. Thursday XX/XX/XXXX I had saw that my direct deposit for {$1100.00} had deposited into the account via XXXX which is also through XXXX. The account was still frozen and my husbands check had not cleared still, but we now had {$1100.00} available funds. I went to the XXXX XXXX XXXX we opened up our account at in XXXX, GA. I spoke to the teller who could also not tell me what was going on so at that point I requested to speak to a XXXX. I was able to speak to the same XXXX who helped my husband and I open our account. I calmly explained my entire situation to her. She showed little sympathy but that is fine I just wanted my available funds while we waited for my husbands check to clear. She looked up our account and like everyone else before her, could not even locate a note on why the account is frozen. She called the fraud department and spoke to a rep who told her that the check was on hold until XX/XX/XXXX and that is when I would most likely be able to access my account and my funds. They could not provide a reason such as specific fraudulent activity or anything that may have been why they feel the need to freeze the account. The XXXX I was working with asked the rep if I could at least receive the funds I have available already and of course I was told no. She proceeded to give me the number to the fraud department that my husband and I had already received 3 times before. I was of course very upset, got up from the desk and showed her the note that another customer had given me earlier at the bank telling me to go to a different company entirely to do my banking at. I told her my husband and I have no way to purchase food or gas, have no way to pay rent. All she could do was say she was sorry. At this point I was so angry that we ended up having a confrontational exchange of words and I left the branch. I later received a message back from their instagram account. It seemed hopeful and they seemed understanding in their message. I was told to give them XXXX business days to hear back from their leadership team. I have not heard back. It is now XX/XX/XXXX and my husband and I can not access any of our money still. I am saddened to say that this is the worst and most unprofessional experience I have ever had with any company. My husband and I plan to close the account as soon as we receive our money and will be going elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX I was notified that as of XX/XX/2022 Truist Bank would be taking over my mortgage from XXXX. Since day 1 I have been trying to set up a way to pay my mortgage to them but they have given me nothing but excuses as to why their systems won't allow me to set up an account. Today I tried again and they told me that my cell phone did not pass their security measures so they couldn't set up online banking for me. I said sending me a book of payment slips would be fine as well. I just need a way to pay. They refused to send a book also. I said there.must be a way to pay my mortgage. They had no response. I did not ask to do business with this bank. I was perfectly happy with my original bank. I feel that Truist bank is purposely not allowing me to service my loan because of my low interest rate and they are looking for a way to add additional fees or foreclose on my home. All I want is a simple way to pay my mortgage like I always have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, i deposited a {$52000.00} check at TRUIST bank, at a branch office in XXXX XXXX, FL. I was informed by the teller that there would be a hold placed on the funds. But I had nothing else I could do with the check, so i deposited it, and i figured i could call the bank and discuss the hold the next day. In fact, there was a " partial '' release of {$5500.00} 2 days after i deposited the check. Obviously, the bank would not have released any of the funds if they had not been sure the check is good. But TRUIST has not released the {$46000.00} balance of the deposit. They said they would release it today, XX/XX/XXXX, but they have not. TRUIST should not be allowed to steal customers ' money for this long. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33612
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a XXXX from my XXXX account on XX/XX/XXXX and Thrust bank will not release the funds until XX/XX/XXXX. I issue a check for a deposit on a home for XXXX on XX/XX/XXXX now the check will not clear the bank... I called two bank managers and explained the problem and the funds are still being held although the funds left my brokerage account 7 days ago. REGARDS, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I just got off with my bank Truist XXXX and I was inquiring about 5 separate overdraft fees of {$36.00} with the first of which posting on a positive amount on XX/XX/XXXX. A bit of back story, my job merged with another company and they were issuing our last paycheck with them as a direct deposit to take place on XXXX. On XXXX around XXXX, I received an email from Payroll " Your XXXX XXXX XXXX paycheck from Redacted will be delivered as a physical check, rather than a direct deposit. The check was mailed immediately Friday afternoon, and we expect that you will receive it at your home address by Tuesday XXXX XXXX XXXX. '' I verified my address on file since I've had to myself and my direct supervisor confirm my address since XXXX reverts it back to an old address and, insult to injury they have my old address that I do not live at anymore, though my XXXX does yet she is out of the state at the moment. I end up getting an email from payroll yesterday confirming I have not received the check and that they would put a stop payment on it and direct deposit it by Thursday XXXX, which is better than waiting on a possibility of the check. I reviewed the overdraft fees and called today to discuss options not expecting much, but the level of service was tiers below what I was expecting. On XX/XX/XXXX, my starting balance was {$820.00} my ending balance on XX/XX/XXXX was {$0.00} which is odd because the first overdraft fee was on XX/XX/XXXX and my ending balance on XX/XX/XXXX was exactly {$36.00} not {$0.00}. I first addressed this since this was to me the most blatant issue, how could I overdraft on a positive balance? and if there was a pending transaction the overdraft fee would be associated with a charge causing it like the others. Two different representatives explained that a convoluted matter of a pending transaction that caused it. How can a pending transaction that is no longer pending affect it and why does my balance on my online banking portal not show accurate information if that is true? I do not think they understood my concern nor gave me an answer that thoroughly explained how I can right now see that I was charged an overdraft fee with money still in my account at that point in time. They refused to do anything about that overdraft fee and I knew nothing else would be done for the others. I had earlier this year had two overdraft fees waived no issues an honest mistake. I have been with the bank for 4 years with no issues. Also, all of the transactions were submitted on XXXX but they did not post on the same days. The posted payments were scattered across XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and picking up overdraft fees along the way. I confirmed and took ownership for making the transactions and I had put what I thought safe guards in place. I opted not to have overdraft on and to have a text notification alert when my balance reached less than a certain amount. The text alerts did not alert me the correct amounts because they reflect what I see on my account which is different than what I was told by two representatives with the company. My bank usually has my direct deposit available the Thursday before payday and even if XX/XX/XXXX was the date that my direct deposit would clear, I would avoid the 2 overdraft fees from XX/XX/XXXX and the 1 overdraft fee from XX/XX/XXXX from a recurring payment. I asked if there was anyway that if I showed them confirmation of my payslip that my check was issued on XX/XX/XXXX and was supposed to be deposited on said date that they could waive those charges and they could not give me an actually answer, instead trying to promote the new banking account with not overdraft fees that costs a deposit to someone who has XXXX in my account, how would I even pay for that and how would that even help me in my situation? It felt very insensitive and not aware of the situation. My employer has put a stop payment on the sent check and will direct deposit my paycheck on XX/XX/XXXXXXXX XXXX and the only option I had was to lock my card in case of any other surprise charges and wait until then with other bills that I need to pay. My anxiety is at an all time high from this because that is {$180.00} I actually need.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I checked my XXXX score last night ( XX/XX/22 ) using a service provided by a legitimate credit card account I have and discovered I had an unusually low XXXX score. I then pulled my credit report using a free online credit report service and discovered that XXXX Truist ( XXXXXXXX BB & T Bank Branch & Trust ) credit cards were fraudulently opened in my name on XX/XX/22. It appears that one of the account balances is up to {$14000.00} and the other account balance is up to {$11000.00}. The credit report indicates that no payments have been made on either account. The address connected to the two fraudulent accounts per the credit report is : XXXX XXXX XXXX, XXXX XXXX, XXXX, Texas. The phone number listed on the account is XXXX. That is not my address nor my phone number. I called Truist this morning at approximately XXXXXXXX XXXX CT XX/XX/22 to report the fraud. the representative told me that Truist would investigate the fraudulent account and advised me to reach out to XXXX and file a report with this agency. I will file the report with XXXX and the other credit reporting agencies after I complete this form. To be absolutely clear I have no connection with these two Truist/BB & T credit card accounts. I did not open then, I did not authorize that they be opened in my mane and to my recollection I was never contacted by this financial institution to confirm the authenticity of the these credit applications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75230
Submitted Via: Web
Date Sent: 2022-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2022, I opened an account with XXXXXXXX XXXX and attempted to fund the XXXX XXXX account from my Truist Savings account with a transfer of {$1000.00}. The funds cleared from my Truist Savings account and after 7 days of the funds being cleared I closed the Truist Savings account. However, 5 days later ( XX/XX/2022 ) XXXXXXXX XXXX decided to reject the funds, sending them back to where they originated ( Truist Savings ). Because the account was closed, Truist automatically rejected the return and sent the funds back to XXXX XXXX. However, the funds never reached my account at XXXX. I spent several hours calling both banks, the final answer I got from each bank was that they do not have the funds, they each said that the other bank had my funds. Truist is claiming that they sent my money to XXXXXXXX XXXX, but XXXXXXXX XXXX is claiming that they never received my funds. I have spent countless hours going back and forth on the phone with both companies for over two months. Now I have been missing {$1000.00} ( all of my savings ) for over two months, and I really need my money. Neither bank has been able to help me get my funds back. I understand that there are complications when funds are returned to a closed account, but considering that everything was done electronically, it should not be this hard for the banks to figure out how to get me my money back. Both Truist and XXXXXXXX XXXX have failed me as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20785
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: TRUIST will not let you pay off a mortgage at a branch office or online. The only way they will let you pay off a mortgage is Wire transfer or Cashier check. This is not acceptable. They try to make it impossible to pay off your mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A