Date Received: 2022-12-05
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This Company is violating 15 U.S. Code 1681b by continuously reporting my information to a third party without my consent. Per the FCRA, as a federally protected consumer. I am now opting out of any ; and all authorization, I the consumer may have given you written, unwritten, verbal, and or non-verbal per 15 USC 1602.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
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, As violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 Section 604 A section 2 : it also States a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat A payment on a credit card account under an open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: this creditors below did not have permissible purpose or my written permission to authorize this inquiry XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXXXXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My XXXX XXXX XXXX was recently totaled XXXX XXXX. XXXX has already finished the total paperwork for {$27000.00} in XXXX. My insurance has tried contacting them and so have I so that Truist can receive payment for the car, but no one answers when we call or send correspondence for documents this has been on going for weeks. Not only that I cant finish my XXXX claim so they can pay the rest of the money still owed until they do whats supposed to be done on their end. Truist has not worked with me at all and they keep saying Im not paying, and reporting it to my credit. All I want is a resolution and for this to be over and done with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My loan originated back in XXXX. During this time both me, co-borrower and the borrower paid our monthly mortgage plus more to our escrow. We did this because our taxes and homeowners insurance was thought to rise. Fast-forward to end of XXXX, I sent Branch Bank ing and Trust a 2- individual copies of our statements from XXXX County property taxes . Our taxes our 50/50 because we are not legally married. Although BBT received these individual statements from XXXX County Property taxes office and myself. BBT decided to only pay one and not the other. I disputed this when I found out that my portion of taxes were now placed in Lien status due to this error on their part. Because of this our mortgage extra escrow was depleted to pay my taxes which now increased over 35-40 %. This exhausted our account plus our financial accounts. We were initially required to pay only {$2900.00} and after this occurred, our mortgage payments increased to $ XXXX for nearly 14 months. BB & T never admitted to the discrepancy on their end. However, I wrote letters and they later came to the conclusion that they messed up but will not waive late fees, or compensate the error. Now 7 years later ( XXXX ), the pandemic happens. I made the decision to request deferral in XX/XX/XXXX to help while our financial circumstances changed. The borrower and I had encountered financial hardship. It wasn't until XX/XX/XXXX when I was informed of TXHAF. I spoke with a representative from Truist, formerly known as Branch Banking and Trust. The representative said I could apply for homeowners assistance but it wouldn't stop negative reporting or foreclosure. I applied for TX HAF in XXXX and my application was processing status. I called Truist Mortgage company almost weekly to keep them in the loop. I received a package from them referring to an XX/XX/XXXX foreclosure. I contacted TXHAF and was told they were waiting for a response from my loan servicer Truist to provide the V-record. I called Truist again to inquire the delayed response that they are causing TXHAF to assist me and the hardship I'm facing but TRUIST gave me the run around. Fearful of being told that I could lose my home I borrowed money from a friend to forward to Truist while TXHAF waited on their response. Fast-forward to XXXX. Truist rejects TXHAF assistance to pay my mortgage for past due payments on my behalf and modified my loan without any knowledge or signatures. Due to this TXHAF informed me they can not assist in which Truist is well aware. For a second time this mortgage company has caused yet another problem, issue, stress, and frustration. I paid with borrowed funds because I did not want to loose my home and I needed the help from TXHAF. Now my mortgage payments will resume in XX/XX/XXXX and I have to repay money from those I borrowed to pay my 7 months of past due payments plus my regular mortgage payments because they caused and are responsible for me being marked ineligible for mortgage assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77365
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Recently had an annual subscription renew. Soon as the company sent me a receipt for the payment, I transferred money via XXXX to cover the expense. I used XXXX due to no local branches being in my general area. XXXX transactions are typically instant. However, this was not the case, the transaction ended up not being deposited till XXXX days later. This would have been still within the XXXX time frame of preventing a second overdraft for the same transaction. Even though the transaction shows deposited, the bank then flagged the transaction delaying it additionally and due to the delay charged me a secondary overdraft fee for not bringing the account to the positive within 7 days. I have tried calling the bank to resolve this, they're answer was even though their system delayed the funds when they tried to refund it the system would not allow. This has been a repeated issue with this bank and since each refund is listed as a courtesy refund, they say they are no longer able to process a refund on my account even though it was delayed at no fault of my own. Both the customer representative and the supervisor tried to give me the refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I suspected fraud on my account so went to a local branch XX/XX/2022. I was told to close the account and reopen another. Not a problem, but I asked the bank employee twice if it would affect my social security deposit the following day, XX/XX/XXXX. He told me not to worry. The deposit went into my closed account on XX/XX/XXXX, but on XX/XX/XXXX it was removed. I immediately called the bank. They told me that my account was CLOSED to deposits and withdrawls!!! The woman I spoke with changed it back and asked me if I had been in the bank that day. I told her no. She said someone had gone into my account. Interesting. And changed something. I had been expecting a deposit from insurance and was happy it went into the closed account @ XX/XX/XXXX. I submitted another and had been waiting for it for days. I called the bank 3 days ago and was told that my account was CLOSED to deposits. I did not ever authorize this. I need to reiterate : the social security check was still not redeposited. I would stop into the bank weekly and this banker would be obviously annoyed at me for asking if they could see if the check was going in. So, apparently, according to the supervisor at the bank someone went back into my account unbeknownst and without permission from me and shut it down. I still do not have that last deposit which was returned and almost didnt get the social security check had I not called. This is in my opinion a serious violation of my rights. I have filed a complaint with the bank and was told to speak to the branch mgr. I have called several times and am told that the mgr is out and would I like to leave a message. I do and they never call back. Unfortunately Ive got a very XXXX XXXX this week and was unable to go in person. I fully intend to once I am better.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34275
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2022, Unable to Access Truist website. System is apparently down and no way to get help. No phone help as the auto system will not direct me to a help page, XXXX page is only way to comment and it has no update posted on outage. Tried a messaging but no response after 1 hour. Chat doesn't respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Truist 's entire system is down and is not allowing me access to any of my money and the wait time on the phone is over an hour.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A