Date Received: 2022-11-23
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: ... .My name is Honorable XXXX XXXX XXXX XXXX XXXX Please remove XXXX and XXXX XXXX XXXX belongings from my garage. I have paid the {$180.00} more than 90 days ago. I am trying to repair my credit report and have been XXXX all over the place. Court adjourned... Sincerely, Honorable XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XXXX my now deceased parents got a loan from SunTrust ( now Truist ) to buy a new vehicle using the house as collateral. They paid this loan off early after SunTrust raised the payment without just cause. My stepfather XXXX XXXX paid the last XXXX XXXX of the loan at once to satisfy the loan debt completely. However, SunTrust never removed the XXXX on the house without our knowledge. Now, both my parents are deceased and I'm in the process of closing a sale on the house to save it from foreclosure. However, I can't, because Truist is attempting to collect XXXX $ ( the original principle of the loan I'm pretty sure ) to remove the XXXX. My parents already paid that loan off and we don't owe them a XXXX. For them to attempt to collect XXXX that they are NOT owed should be criminal. They didn't even know about the XXXX until my closing lawyer contacted them about it. I've made several attempts to resolve this but they keep saying they'll contact me back and then just don't. If they don't remove this unjust XXXX that should have been removed over 10 years ago. I will lose the sale and my inherited equity due to the foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I walked into a branch to open a business account today. I was told by XXXX XXXX XXXX XXXX XXXX that there is confirmed fraud on my account and that it was scheduled to be closed, and I would was not welcome to open any accounts in the future. After calling the fraud department they said they had no clue what I was talking about and there was no fraudulent activity detected on my account at this time. At this point someone is guilty of induction of fraud by giving me false statements. I have not even received a debit card so there is no way that there is any activity on my account, let alone some confirmed fraudulent activity as XXXX XXXX stated. I feel that Truist Bank is harassing me with discriminating treatment. Its not fair that I cant have an account but other people can. Its also not fair that they are saying that my account is fraudulent when its not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-21
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Credit, pursuant to 15 USC 1602 ( e ), is defined as the right granted by a creditor to defer payments or to incur debt and defer payments. As a consumer ( 15 USC 1602 ( h ) ) and creditor ( 15 USC 1602 ( f ) ), I issued my credit card over the phone on XX/XX/2022 to a rep of XXXX XXXX XXXX and a consumer credit transaction was completed with Regional Acceptance Corporation XXXX Regional Acceptance Corporation denied me credit. The denial discriminate against my rights as a creditor and violates 15 USC 1691 ( a ) ( 3 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: My business partners email account was being hacked on XX/XX/XXXX, she sent me email from her corporate email saying they switched to another bank account in truist bank with same bank account name and address. so I made the remit to the new account. The Truist bank received my payment from XXXX XXXX XXXX XXXX XXXX XXXX and can not return it me, but they did tell me that bank account name is not XXXX XXXX as what I input in the XXXX.
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: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am a representative payee for an adult with a XXXX. He had an account for years with Suntrust and the bank merged into Truist. They agreed to not charge him a maintenance fee since he was a long time member on his Social Security checks. Then they started charging him a fee so I asked to have his account closed XX/XX/2022, wrote a check so his account was XXXX to his new bank and the account was to be closed on the day the bank account reached XXXX and wrote a letter to insure it was closed on XX/XX/XXXX. They did not close his account and accepted his social security check again on XX/XX/XXXX ( and charged him his maintence fee ) It takes a while for SS to change addresses to his new bank address although I have also called them twice and changed it on line... ( He gets XXXX a month and the maintenance fee is XXXX ). So I called back and had it closed again with a complaint filed that requested it close on XX/XX/XXXX. It still was not closed so I called back on the XXXX of XXXX and had the XXXX returned to his account as they realized the account was to be closed and they were told to close it XXXX XXXX when his account was again at XXXX but they accepted his Social Security check again!!! on XX/XX/XXXX and charged hinm on XXXX. I need his XXXX refunded along with the XXXX social security check of XXXX to the account address on file ( my address ) and verification that the account is at XXXX and closed. They are shameless to keep this account open until he will eventually be charged overdraft fees for his account that should have been closed. I do not live near a Truist so I have to rely on phone messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 624XX
Submitted Via: Web
Date Sent: 2022-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These inquires I dont recognize or did not authorize! XXXX XXXX XX/XX/2021. XXXX XXXX XXXX XX/XX/2021. Regional Acceptance XX/XX/2021. XXXX XXXX XXXX XXXX XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Truist Bank is saying I'm responsible for - {$100.00}. My account had a fraudulent charge of {$200.00} from an unauthorized person or place. The {$200.00} went to the fraudulent department and was settled. But, I put a freeze on my account and stated that I had 4 authorized transaction coming out. At that time it was - {$310.00}. They are trying to say that I'm responsible for this amount and I'm not. They claim that they refunded 3 overdraft amounts in which none went to the - {$310.00}. Please look into this matter. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24502
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist is buying loans, requiring homeowners to open Truist accounts to pay their mortgage, and charge unnecessary late fees when a customer forgets to make a payment. This business practice will increase homeowners chances of missed payments and increase late fees assessed by Truist and is an unethical practice to increase their deposits and active accounts. I have used the companies Truist Assist chat bot as well as their 'Manage and pay ' tab ( https : //www.truist.com/mortgage/manage-your-mortgage? tru-tab-select=manage-pay*truisttab-XXXX ) and I end up in a never-ending loop of 'Set up recurring payments ' which prompts you to log in and then you are sent to the main Home Screen. Nowhere does it actually allow you to set up any sort of ACH recurring payment or autopay bank withdrawal with an external source through their website. Truist makes it unnecessarily difficult to set up autopay which could disproportionately affect lower income and/or tech-illiterate homeowners. The only way I see to allow autopay is through a mail in/fax form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I do not know nothing of this debt ( {$2600.00} ) that this debt collector is trying to collect from. I do understand that if I am receiving notices of debt in the mail that my information has been exposed to a third party and this is against my rights according to the Fair Debt Collection Practices Act. I have been harassed by these people countless times. They have sent me emails regarding the debt and phone calls. They have sent mail more than once about this debt. The phone calls implied that further steps would be taken by them if i don't pay for the debt, 15 U.S.C. 1692d. I have been stressed out due to this company because I know they are violating my rights. They are just a third-party debt collector participating in bad debt-collection practices. I wasn't even properly notified how to dispute or even I was able to dispute this fraudulent debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A