Date Received: 2022-11-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX account opened Received letter saying a lien was placed on my house and credit was reported on XXXX 15 day past due bill which I called and spoke to multiple people to let them know I was in the XXXX I have medical records that can prove all of that. They continue to call and threaten my credit and home. I have paid the account up to date plus an extra payment. I called to ask how to resolve this lien issue the company informed me that they only have one call center and that they could not provide me with any information or phone numbers to contact anyone above the person I was speaking to and I could call and call but would not get any further information or contact from anyone other than him and the agents at this call center. The loan was a home improvement for XXXX. Again Ive paid in full but I XXXX XXXX XXXX XXXX XXXX XXXX which I tried explaining to them and they basically disregarded all my concerns and issues. And wont help me in speaking to anyone that possibly could and I was XXXX from XXXX until XXXX in the XXXX so it wasnt that I left with no contact but there was little I could do. Also if medical numbers or my medical team or XXXX need to confirm my dates I can release certain information to you. I find it disturbing that a company would treat me this way. Thank you for your help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19606
Submitted Via: Web
Date Sent: 2022-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for the Truist XXXX Credit Card due to the 12 months 0 % APR offer for new customers in XXXX XXXX XXXX and was approved. I soon received the card and setup my online access by following the instructions laid out on the website. I was able to gain access with all my business information present. I start to make some purchases and noticed that the payment due amount is not updating, nor is the due date for the payment. I have credits coming into the account due to refunds, so it appears that the credit is taking of the payment due, based on the language found on the dashboard of my account. Not only is there no payment due, but a negative number is there with the refunds in place. I have business credit cards from XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX -- all current and no late fees or delinquencies -- and the method that Trusit uses to display what is due was needlessly confusing. But I am going with what they are showing me on the dashboard, so I think nothing of it at the time. I receive billing statements in XXXX to my home that is showing me different figures from what the website is showing me. This includes a late fee and a finance charge. I immediately call Truist customer support to get to the bottom of this and after walking them through the website and showing them the discrepancies, they informed me that the webpage I am going to was not the right one. I needed to go to the Admin page to see the " full '' account. How can that be accurate, I asked. The page that I have been going to, has my name, the business name, the last four numbers of my credit card, and the credit line ( not to mention the purchases made so far ). The agent told me that the site is needlessly confusing and the process has not been adequately documented for new customers so that they don't run into this issue. Since I was not the first to complain about this, that they would reverse my late fee. I told them that they truly need to address this issue, but that I am glad the late fee had been reversed. My next billing statement arrives and see finance charges again. I call in again in XXXX XXXX XXXX and tell them that my 0 % APR should not be gone due to an error of their own doing. They agreed and said that it would need to go to a business analyst that can make the changes. No reference number was given to me, but I took them at their word. A week went by and no word, I called back and the agent stated that they could not find any work being done on my request, but that they would start this process and get it resolved. I could not take their word for it this time ( especially since they couldn't provide any reference number that they can prove that this is actually being looked into ). I decided to now take this fight to consumer protection agencies and will exhaust every avenue that I have at my disposal as a customer. I have found many stories like mine with this company, and I am in the process of taking this to the local news in my area to get the word out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-24
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: My account was charged off due to account being overdrawn which I understood. The reason why Im not happy with the outcome is the amount of fees which was added on the overdrawn amount. I couldnt come up with the money, however deposits went into my account so I asked the Bank to use the money to offset the charged off account since they offered me a settlement. Another deposit went into the account again and this time they have taken the full amount I owed originally without consulting me. This is very unfair and I need my money back. They are negating the fact that they provided me with a settlement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2022-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-25
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Hello. To whom it may concern. Due to identity theft, multiple deaths in my family, losing my job all due to COVID, XXXX XXXX, thousands of dollars stolen from my personal bank accounts, and fraudulent loans taken out in my name, my husband and I had to file for bankruptcy in XXXXXXXX XXXX XXXX. Our lawyer advised us to file XXXX XXXX, wipe everything clean of all the wrong-doing. He was able yo save our house and assets. We have gone through a nightmare of an ordeal not only with our mortgage company, but many other companys. My mortgage complaint will be separate. We have gone two years to where weve been treated like XXXX from many companies. No one would listen to our circumstances to get approved for anything. So we had to wait it out. We saw the opportunity to refinance, which we planned to do. Our mortgage was included in the bankruptcy, so all of our credibility was lost, and we technically didnt own our house. Another day for that compliant,. So, we shopped around. Our credit was good enough to be able to do an fha refinance since fha was the only thing we can qualify for cause of our bankruptcy. We were on a huge roller coaster with that process. So we were finally able to convince a lender to take us on. Escrow runs title. And low and behold, there was a lean out in our home. We had no clue about this lean. We were never informed. The lean stated it was created by XXXXXXXX XXXXXXXX. We had never done business with XXXXXXXX XXXX. So were called XXXXXXXX XXXX, they said they would give us a call back. Why did a creditor which would be Service Finance Company LLC call me back pertaining to the lean? We discharged their debt in our bankruptcy. A guy calls me and says I have to pay that amount in Order for them to lift the lean. The amount was XXXX. According to the XXXX XXXX company, the lender will not go through with the loan if there is a lean on our home. Service Finance company LLC fraudulently registered the lean under a different name in order to collect their discharged amount they didnt receive. It was a UCC -1 lean that was placed under XXXXXXXX XXXX that was not registered until XX/XX/XXXX. We purchased the hvac unit from XXXX XXXX XXXX in XXXXXXXX XXXX XXXXXXXX. Service Finance was the lender, whom we did not originally sign a contract with, of XXXX XXXX XXXX. XXXX XXXX XXXX was the company we voluntary signed to hold the lean on the hvac system. We even obtained a copy from Service Finance that a lean was not attached to our mortgage in XXXX. However, when we filed for XXXX XXXX, we included the amount due to Service Finance, in which that amount was discharged with our bankruptcy on XX/XX/XXXX. So here is a breakdown list of where I find this company in the wrong and in violation. 1. Original Signed contract does not Service Finance. Only XXXX XXXX XXXX. 2. Service Finance claimed no leans on our property were in place not working there ever be one with them in XXXX. Letter, signed and dated by Service Finance. 3. Service Finance then went and placed a lean on our property under a completely different name that filed. XXXX XXXX 4. We were not informed of a lean placed on our property, being that weve never done business with XXXXXXXX XXXX. 5. When we called XXXXXXXX XXXX, our return call callback was Service Finance Company LLC. claiming the amount owed was the discharged amount included in the bankruptcy in order to lift the lean. 6. Service Finance knew we were under a time restraint which they used against us. And not only did they use strong-arm tactics, they also used a bait and switch scheme. 7. Because of time restraint, we were forced to have to pay them in which they in formed us AFTER the initial inquiry of original amount owed, that we pay {$5000.00}. They also informed us that this was a negotiation. When it clearly wasnt, it was a demand. 8. After agreeing to pay the {$5000.00} they switched the amount to {$7000.00}. Stating that {$5000.00} was the negotiable amount. That was not the negotiable amount, that was the agreed amount including a hardship letter. 9. Service Finance company forced us to pay {$7000.00} to lift a lean for part of their discharged amount that was included in the bankruptcy. 10. Service Finance company should not have been in contact with us in any regard under bankruptcy laws. Why were they able to harass us for their payment? We never reached out to Service Finance LLC. We only contacted XXXXXXXX XXXX, the lien holder on our property, whom weve never done business with in any regard. Who has no rights to anything on our property. 11. This goes with out saying, the hvac unit is included in the equity of our home that was filed exempt for our Bankruptcy. If the unit is part of our equity, then there is, essentially, nothing that a lean can be placed on since the hvac is included in our equity in which the unit is exempt. So the UCC-1 lean does not stand since it is not allowed to be attached on an exempt item. 12. Service finance did not go through the proper protocol of suing us to place the lean. Consumers like ourselves are trying to pick up our lives and live with a prosperous financial future. We paid on the loan for 3 years until we filed. We went through the proper protocol to discharge our debt. Which does not go with out any reprimand with rebuilding our financial future. Service Finance had their cha nce to show up to court and prove why they should be repaid. They never showed up to the creditors/ lenders claim portion on our filing date with the court. Because Service Finance Company LLCs shady practices including strong-arming us, bait and switched us with their demanding legally discharged settlement agreeing to XXXX and last minute to XXXX, harassed us, forced us to have to pay them {$7000.00} in order to lift a lean, placed by XXXXXXXX XXXX whom we have never done business with. I literally compare it to having a XXXXXXXX XXXX to our heads by Service Finance Company LLC, because we were XXXX I will be filing everything possible with every department, and we will go to litigation if we have to in order for this company to return our money, and get reprimanded for their shady practices. I will stop at nothing until those two demands are met. Thank you for your patience and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92504
Submitted Via: Web
Date Sent: 2022-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was a customer of SunTrust for over 20 years and never had any problems. When it merged and became Truist, I started getting charged ridiculous arbitrary " assessment '' fees on international transactions, including on top of ATM withdrawal fees. I spend most of my time overseas, so these fees add up quickly, and they are something SunTrust never charged. Truist claim to have sent a letter notifying me of this, but I never received it and I never would have consented had I known in advance. I have contacted the bank many times, but they claim there is nothing they can do, which is only because they don't want to do anything about it. This is straight-up theft, and unless these ridiculous fees are canceled, I will be closing my accounts and taking my money elsewhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I lost my wallet a year ago and now someone opened a truist account in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with XXXX XXXX. I received a letter yesterday stating that my mortgage was being transferred to Truist Bank. I contacted Truist to keep information on how to setup an online account, how to ensure my payment is on time, etc. I was on hold and being transferred to various departments before being told that Truist cant answer any questions, cant accept payments or provide access to an online account until the XXXX. My mortgage payment is due on the XXXX. The letter I got states that any payment due on or after XXXX XX/XX/2022 needs to be made to Truist. However, Im also being advised that Truist wont be able to see my loan details or assist until closer to the XXXX of XXXX, after my payment is due. I dont want a late payment on any record ( internal to the bank or on my credit report ). This is a shady, unfair, business practice due to Truists inability to assist during this transition and is deceptive for consumers. My other concern is that I do not want marketed to by Truist Bank in any form. After reviewing online forums, it appears that Truist begins marketing to people whose mortgages they buy for products like checking, savings and credit cards. I have NO desire to have any relationship beyond this mortgage with Truist. I wouldnt even want the mortgage with them, if I had a choice. I expect Truist to never contact me about cross selling any products or services as I have no desire to do business with a shady financial institution. I do not intend to provide any additional source of income or business to Truist, outside of the mortgage. Please know that my primary concern is related to ensuring I can get a payment processed without any notation of late payment internally or with a credit bureau, and that my concern of being marketed to is secondary. My issue and concerns are not with XXXX XXXX, but with the behemoth financial institution known as Truist Bank. I hope someone can contact me to sort everything out. Thanks.
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: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022 I opened a checking account and a savings account online with a balance of {$50.00} in each account. On XX/XX/2022, the bank sent me a letter saying that the accounts were closed. On XX/XX/2022 the bank sent me a welcome letter for both accounts with a bank statement and a debit card. I have called the bank three ( 3 ) times to find out whats going on. I wasted an hour+ with their representatives who will not release my funds to me even though they have closed the accounts. Theyve stated that they closed my account over concerns with my ID even though I successfully complied with their ID protocols and they sent me emails with my account numbers, saying that the accounts had been opened successfully on XX/XX/2022. Now, the bank will not refund my funds to me even though they have closed the accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10001
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was advised to write to you by your customer service department concerning my credit rating with your company. I have enjoyed a credit account with SHEFFIELD for many years. During the course of our business association, I have honored and respected my account agreement to the fullest. I appreciate how wonderful your service has always been. Unfortunately, I was in a financial dilemma due to job loss. As a result, some of my payments to you were delayed. Because your account with me is extremely important, I managed to borrow the money to cover the late payments. I made those payments XX/XX/60 days late on a few occasions during the course of my situation, but I made sure to fulfill my obligation to ensure that your company suffered no loss. I am thankful and appreciative for the years of positive credit history that I have obtained through your company but now those late marks on my credit reports have become detrimental. I am trying to apply for a new job, but the negative remarks are hurting my efforts. The credit bureaus have advised me that they will report anything as instructed by you, but they need to have that instruction in writing. I am pleading with you to help me and take into consideration how good of a customer I have been and how long I have had an account with you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 104XX
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was XXXX cents short I my bank account with TRUIST & they charged me an overdraft fee of {$36.00}. I called on XX/XX/22 spoke to XXXX at XXXX then his supervisor, XXXX, they both said they will not waive a fee. TRUIST did this to me before I was {$5.00} short they charged 2 fees. This bank is rip off. Im going to the news on them. I was in the hospital & didnt have access to my account. Also, I had death on family couldnt get to my account from being out of town. I will close this account & get me another account elsewhere & let family, friends, business partners know NOT TO DO BUSINESS AT TRUIST
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A