Date Received: 2022-11-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i received a copy of my credit report and noticed fraudulent accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33056
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Yes I deposited a check in my account for my sister XXXX XXXX XXXX. I was told funds would be available XX/XX/2021. The check deposited belonged to my sister and was deposited through the ATM at Truist due to her not having proper identification to get it cashed. So it was signed over to me. I waited and heard nothing. All of a sudden my account wasn't working. The manager said she tried to reach me around XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX so I wasn't able to take my sister to the bank to sign a paper. I had no knowledge of a paper needing to be signed. We thought we did right when she signed it over. Well since then my sister has been XXXX XXXX XXXX XXXX and has been asking have the funds been released yet and they won't release til they get a signature. It's been over a year and I'm her POA as well. We didnt know about signing a XXXX they made my account dormant which isn't fair as well. Please help me get these funds released so I can send some to my sister for the things that she needs while being XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36265
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: IT HAS COME TO MY ATTENTION THAT IN XXXX MY EXISTING VETERANS ADMINISTRATION LOAN WAS REFINANCED WITH A COMPANY BY THE NAME OF XXXX XXXX XXXX. THEY DO LOANS UNDER XXXX XXXX XXXX XXXX XXXX SECTION 8 HOUSING & SUBSIDIZING. I UNDERSTAND MY VA LOAN CAN NOT BE SOLD TO XXXX XXXX OR XXXX XXXX UNDER THE XXXX XXXX GUIDELINES. AS SHOWN IN THE DOCUMENT THAT WAS SENT TO ME. THE DOCUMENT # XXXX FORM XXXX. THIS TELLS ME THAT MY VA LOAN IS TIED UP IN A SUBSIDIARY CONTRACT PER SAY AND NOT UNDER THE XXXX XXXX XXXX CONTRACT AS IT SHOULD BE UNDER FEDERAL LAW. THESE ARE MY FINDINGS FROM THE RESEARCH THAT I HAVE DONE. I HAVE ALSO SENT THESE FINDINGS TO THE CFPB OFFICE. I HAVE BEEN PAYING {$1000.00} '' XXXX OF DOLLARS OF PRINCIPAL PAYMENTS TO BB & T/TRUIST AND I HAVE REALLY BEEN MAKING SUBSIDIZED PAYMENTS TO MY MORTGAGE TO BB & T NOW TRUIST, AND THIS IS WHY MY MORTGAGE PRINCIPAL BALANCE HAS ALMOST BEEN THE SAME AS WHEN I STARTED IN XXXX, JUST PAYING MOSTLY INTEREST. THIS IS REALLY A SERIOUS MATTER. YOU CAN'T PASS THIS OVER TO BB & T CAUSE THEY MERGED OVER TO YOU. THIS REALLY UPSET ME AS A VETERAN TO HAVE MY HOME LOAN HANDED TO SOMEONE TO MAKE MONEY FROM ME AS A SECTION 8 TENANT. I PAY {$500.00} AS A PRINCIPAL PAYMENT AND {$450.00} OF THAT IS GOING INTO THE POCKETS OF ONE OF YOUR CLIENTS, AS THE SERVICE ACCOUNT HOLDER IS REALLY XXXX XXXXXXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Getting the loan
Subissue:
Consumer Complaint: Hello, I signed a loan agreement with a bank for a plumbing job to be done in my home in XXXX of 2022. The work was completed, the loan approved, and I signed not one but 3 of the same emails I received with the same documents in them for this loan. The loan amount was for {$3000.00}, the job came to a total of {$1700.00}. The loan was for {$3000.00} due to an estimate that was to be given to remodel my bathroom, or at the very least, replacing the bathtub. Upon calling the plumbing company, I was told their department that was supposed to give me this estimate to replace the bathtub would not travel this far to do so, even though their website clearly states they do travel to my county where I am located. Therefore the loan would be revised to the amount of {$1700.00}. The extra funds that were not used should go to me upon speaking to an individual from the plumbing company. The bank sent me a new loan agreement to sign with the total amount for the job only to sign. Since I already signed the agreement for the amount of {$3000.00}, it should not have been changed. I filed a complaint with my local Consumer Protection Agency, of which I have received a shocking reply. This bank replied with stating if the work was not completed, the loan agreement amount can be changed. However, this work was completed in one afternoon, yet the bank 's reply states they thought this work was still ongoing in XXXX. The plumbing company who I had received the financing from and who had done this work, told this bank that the work was unfinished in order to change these loan documents. The bank has been informed and has not taken any action and states they do not have any jurisdiction over the plumbing company changing these documents. This loan is a zero interest loan unless payments are made late. I was current, yet upon checking my account online, there was a payment due back in XXXX when i hadn't even received any bill in XXXX. I instead received a letter from the plumbing company who told me to pay the bill in full. The loan was funded very late due to their mistakes of taking care of their own paperwork. Now I am behind on my bill and will no longer receive the zero interest due to this bill being late that I never even knew existed as I hadn't received anything for it. This financing was completed through the plumbing companies website, which also stated this loan was a deffered account and there would not be any payments due for the next year. That is why the loan was not funded, yet there were many mistakes and confusion about this, with no one looking into anything further. Now I must make payments on a loan that is not supposed to be due for one year with zero interest. However, upon making the first few payments that I was aware of having, I am now told from the bank to stop making these payments since this loan does not need to be accepting them yet. I have done as told and now sit with a credit score dipping as this loan becomes more and more past due. I can't afford to catch up on these payments now, they have accumulated to be too much after I was told they would not do that and would stop immediately. So, there are multiple things happening here and no one can confirm the accuracy of much of this as there have been a lot of misunderstandings and paperwork left unfiled and changed when it should not have been. Also, this loan document was filled out by myself and my significant other upon our applying for this financing. My name was removed as it is no where on the loan documents any longer. Only one peice of information was left behind. The word, " Monthly '' that I had filled out in regards to my income information. Everything else was missing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 539XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: this is an online scam that involves a bank scam
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58504
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-26
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Several transfers were attempted to be made into my bank account with Truist from a XXXX account. These transfers were made between the XX/XX/XXXX and XX/XX/XXXX. After giving time for these transfers to clear ( about 2 weeks ) I still had not received any of these funds. I called Truist to see if there was a problem with my account, or if the money was taking longer than expected to clear. The representatives on the phone where extremely unhelpful, could not see any record of these transactions being sent and told me to contact the other bank. The other party that attempted the transfer has been in contact with their bank as well, XXXX claims they can not link my account number to my account and the money has been put on hold due to potential fraud. The account number and routing number I provided are accurate, there were no errors by either party in transcription, these are the correct numbers. XXXX also claimed there was nothing they could do and the other party was told to contact Truist. The funds have been removed from their account but not transfered to mine. Neither party was informed of this hold being put on the funds, no notice was given, and no help is being offered. As it currently stands the other party is attempting to get the money refunded so it can be sent through third party services ( XXXX XXXX XXXX. ) As a result of their ( XXXX ) inability to verify my account with Truist and the refund request these transactions are now being investigated as fraud by XXXX and a further hold has been placed on the funds. As far as I can tell I have done nothing wrong but I have been struggling financially for almost a month now due to bank error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11208
Submitted Via: Web
Date Sent: 2022-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Truist bank has been wrongfully reporting a inaccurate late payment on my account from 2017. It is negatively affecting my life, credit report, and ability to acquire financing. According to the FCRA : 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 : States a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681c. ( a ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681S-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a VISA credit card though Truist bank and I noticed XXXX charges against my account for Segment Balance transfer debit. I was charged on XX/XX/XXXX and XX/XX/XXXX. I contacted XXXX ( the phone number on the back of my card ), and they first told me it was fraud. I then started asking more questions, and they informed me it was for a promotional deal and that I owed the money. I explained that I was not aware of any promotional deals, and then told me it was to keep my card active. They applied a credit card for these charges, but my concern is that they couldnt give me a legitimate reason as to why they are charging me. Also, I am unsure if this is legal since they are charging me without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My identity was compromised in XX/XX/XXXX and my banking information along with my SS # were stolen and subsequently used in three Truist banks in NC XXXX XXXX, XXXX and XXXX ). Four total transactions were completed totaling {$30000.00}. Two of the four transactions took place at the XXXX location with in few hours of each other. ( I am amazed that this didn't trigger a question or two from the banker ) One in XXXX and the last in XXXX NC. All transactions were targeting my equity line of credit. Two transactions were funneled through my checking account and the other two were direct withdrawals from my equity line. Truist did replenish the funds that were funneled through my checking account ( {$14000.00} ) within 24 hours of my complaint. However, the direct WDs from the equity line have not been resolved ( {$17000.00} ) includes one missed payment and interest. Apparently the direct WDs from the equity line require a different fraud complaint along with an affidavit. My local branch VP helped me complete the required documents and forwarded to the correct division within Truist on XX/XX/XXXX. Unfortunately, as of XX/XX/XXXX, Truist ( Equity Line Division ) has not confirm the acceptance of my Fraud complaint nor have they responded to my local branch when my equity account will be corrected. This has been the worst case of negligence involving a serious customer issue that I have ever experienced. I have received more information from the police detectives in each of the cities than Truist has offered. I have a right to know and I need your help to get the information I deserve. Best Regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29642
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: As an international scholarship student undertaking a XXXX XXXX in Education with XXXX XXXX XXXX, MD, and with the assistance of the University 's International Office, I opened an account with BB and T in XXXX, Maryland in XX/XX/XXXX. When Covid 19 happened, I returned to XXXX in XX/XX/XXXX and finished my XXXX online. Truist has taken over BB & T and I have been trying on a constant basis since XX/XX/XXXX to close this account with emails sent to various Truist staff members most of which went unanswered. XXXX XXXX replied to me on XX/XX/XXXX seeking " the branch where the account originated and he would seek the XXXX XXXX to begin the process ''. I replied to this email on XX/XX/XXXX providing the information sought but heard nothing. I also made an appointment online with XXXX XXXX Truist Branch to call me on XX/XX/XXXX but again no call was received. On XX/XX/XXXX, I made 4 different telephone calls to Truist XXXX XXXX XXXX XXXX with my initial conversations on the first 3 calls being terminated by Truist. On the 4th call, I had a long conversation with XXXX however I still have not been successful in getting my account closed and funds remitted to me. Additionally I sought a credit reference from her and this has not been provided either. I have pursued every avenue open to me from XXXX to contact Truist and get matters resolved. I obviously can not go to Maryland to do an in-person closure- all I want is to have my account closed, to have the monies remitted to me here in XXXX and to also have a credit reference provided to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A