Date Received: 2022-11-18
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I Entered into a forbearance program due to XXXX with my Mortgage company Truist. As the forbearance XXXX started to come to an end I reached out to Truist and informed them I had applied for the SC cares act homeowner rescue program at which time I was advised by one of there home preservation specialist to wait until I had confirmation if I was accepted or not in the program and then call them back and let them know. Instead they immediately moved forward and tried to foreclose on my home. Upon being notified I was accepted into the homeowners program and immediately contacted the the lender at which time a stay was put on the foreclosure until mid XXXX so they could verify and receive the funds. I received confirmation that the funds were sent to the lender in the amount of {$23000.00} on XX/XX/XXXX of XXXX Ive tried calling the lender to see if the funds have been applied at which time I was told they have not received the funds yet. I called again in XXXX and asked if they had received the funds yet at which time I was told no they still have not received the funds and it wasnt until yesterday that I got confirmation from them that they did receive the funds and they have notes in their system from XX/XX/XXXX when the funds were received however they have yet to apply them to my account. so in the meantime they have begun the foreclosure process again and I have been getting harassing phone calls as well as process servers showing up to my house calling me trying to serve papers on me. All while The lender has had The funds in their account for over two months and has yet to apply them to bring my account whole instead theyve just sat on them. This constant harassment has brought undue stress and much aggravation to me all because of their inability to do their job and apply the funds in a timely fashion and this isnt the first instance Ive had issues with SunTrust/ Truist XXXX What They are doing is criminal and uncalled for and they need to be held accountable for this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
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: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: SunTrust Bank repossessed my XXXX XXXX XXXX it is used and it is a XXXX. SunTrust/Truist just came and got my vehicle last night. SunTrust did not call me not did Truist. They said they had the correct phone number on file so why didn't they contact me? I had issues with payments missing and I have made multiple payments for the same month. I really do want to keep my vehicle. I received a statement for XX/XX/XXXX. This is when the payment is due for my vehicle. I explained to them that I would have to make the payment XX/XX/XXXX. I really do not understand why I have to make these payments. I have made payments online in which they locked me out of my online account. The statement clearly states that I need to make a payment for {$2800.00}. I am not sure why this is the case when I made a payment for {$1400.00} in XX/XX/XXXX. The vehicle needs to be returned. There was too much fraud on this account. I really do not feel comfortable but I am also trying to figure out why the representative for Truist recovery departments asking me for {$4700.00}. Then she went on to say that did not include the recovery fee. I declined to pay this amount and looking at my statement it did not make sense. I asked them what happened to these payments. I believe that there are people at the bank who are disputing these amounts and putting them in their own accounts or giving them to other people. I personally feel that SunTrust/Truist should be made to pay their own recovery fees. I did not cause this to happen. I just figured out how to read this statement and I am not letting them take advantage of me with this account. I have documentation that I tried to fax from the bank. I pulled money out on XXXX XXXX. You can see it was multiple times and this does not include what I paid going through the teller line outside of the bank. I have the online payments as well that I am unable to access.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022 : I believe that the bank has discriminated against me by refusing access to the funds in the account and placing account restriction. The bank placed an account restriction on a banking feature that permitted withdrawals through a XXXX. ( 1 ) they requested for me to call in to verify the account that I was performing the transaction, ( 2 ) they asked identity questions verbally of name, address, SSN, drivers license #, transaction amount, ( 3 ) upon verification, they sent the initial XXXX request of {$20.00}. Later in the same day, they blocked a second transaction for the same suspicious activity reasons for a transfer of {$90.00}. They refused to follow the same process and requested for me to visit a local branch to verify identity. ( No suspicion ) I advised the bank that I am currently in the State of Washington and I do not have anyway to visit a physical branch. In addition, I have not replaced my identification but I do have a birth certificate. This account has all of my cash and I need it to get to work! The bank is suppose to have a procedure to verify identity through an alternative method program according to the XXXX. They requested for me to call a out of footprint department I left a message on the phone number that they requested. I believe that it was the manager phone number that I had spoken to that maliciously blocked access to viewing my online account or setting up a transfer from another bank. Very Malicious. Later they said that they have not established a department to assist customers that are not able to verify in person. So the manager was dishonesty. I don't know how I will get to work with my second part time job next week! Extended Grievance : the bank is going to make up an excuse about the system automatically flagging and blocking accounts for random or duplicate activity. But I do not have a physical debit card and since the account opening, I have always withdrawn money from this Truist checking account and deposited in my XXXX XXXX checking account. ( Manipulative. ) I live paycheck to paycheck, daily relying on the funds to be accessible for me to have reliable transportation to work and food to eat. This caused me to be late to work and did not receive reemployment opportunity from this employer because of the performance issue. I lost the job! How am I going to pay for my gas bill to ensure that I have heat throughout the winter, phone bill or food to eat. If I didn't open another account, I wouldn't have been sble to sign up for another XXXX membership to use roadside coverage to bring me XXXX gallons of gas as I sat in my vehicle on the side of the highway ramp for XXXX hours trying to figure out what I was going to do. ( Inhuman ) And I had to sign up for a fast food application for a free sign up meal just to get something to eat. Yesterday and today. ( That's not right ) You may publish the information but please remove the name because there are comments about me being poor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45424
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-19
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have contacted Trust on more then one occasion advising them that fraudulent charges were on my account. I was robbed of all my worldly possible and my Trust card is one of the things stolen from me. I have had to file a police report with the XXXX, Virginia police department. I am asking that Trust please update my account and remove all fraudalent charges from my account. I am also asking that they communicate with me to please resolve my Truist account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 243XX
Submitted Via: Web
Date Sent: 2022-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XXXX SUN TRUST reports two federal student loans. The Honorable Donald Trump signed a law forgiving the student debt of 100 % XXXXXXXX XXXX. I am a 100 % XXXXXXXX XXXX I submitted the documents to have my loan forgiven and removed from my credit report, and yet XXXX SUN TRUST continues to report the debt as valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 743XX
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX offered me a forbearance for 3 months on my mortgage because my husband had XXXX. Truist was questioning health concerns which is inappropriate. I stopped payment on XXXX XXXX through Truist and I have a letter from Truist stating it has stopped and a letter from XXXX XXXX stating that they have given me forbearance. Its been two weeks since they took my money out and still havent returned my money. The amount taken from XXXX XXXX was {$2200.00} on XX/XX/2022. I was Granted forbearance on XX/XX/2022 from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022 I deposited a check from XXXX XXXX in the amount of {$8200.00} to my checking account. Truist bank put a 7 day hold on the check and stated that it was due to a possibility of being fraudulent. I understand that the check could be held for approximately 3 days but 7? So I wait the 7 days and as per my mobile app it says the funds will be available on XX/XX/2022, I look in my account and still no funds are available. I have uploaded a copy of the mobile app screenshot. I call and the girl, XXXX, is telling me the hold is until after XX/XX/2022. I voice my concerns letting her know the funds state they should be available today XX/XX/2022 and does not want to hear anything else. I asked for a manager and spoke to XXXX. She was also unhelpful ; she states that because at the time of my deposit I did not have {$8200.00} in my account and that is the reason for the 7 days hold. Yet another reason, I let her know that when I opened the account, I deposited {$87000.00} check and yet that cleared in 3 days and I surely did not have that amount in my account. Obviously, they do not do any research on your account before placing hold for earlier in the year I had {$15000.00} in my account. I can guarantee that tomorrow morning I will be closing all my accounts at Truist! Do not recommend this bank. On another note, I was in another state for 3 weeks and my debit card was not working and the girl had to order me a new one and send it to me, I told her that I was out of town and had no cash on hand. You think she escalated the mailing of this card, no I had to wait 10 days for my card to come with no money. Worst service ever!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/2022 Truist checking account fraudulently opened in my name with my addresss
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43035
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: In XXXX I opened a checking account with XXXX XXXX in Washington DC. I received monthly paper statements and continued my account when the bank was sold to SunTrust and again to Truist. In XX/XX/XXXX we sold our house in XXXX, Virginia and moved to a new residence in XXXX Virginia. During the first week of XX/XX/XXXX, I notified Truist of my address and telephone changes by going into my online account profile and making the changes. In XXXX and XX/XX/XXXX we received a monthly statement from Truist bank at our new address in XXXX, Virginia. In XXXX I did not receive a statement from Truist and received a notification in XXXX from Truist of a XXXX dollar return statement fee. I telephone XXXX and talked to a nice gentleman in XXXX for over an hour trying to straighten out what the XXXX dollar return statement fee was. He finally informed me that there had been a miscommunication between the various branches of the bank and my statement had been sent to my old address in XXXX Virginia. He asked me what I wanted to happen and I told him that I wanted the statement to be sent to my new address as it had been in XXXX and XXXX and for the fee to be reimbursed to my account. He assured me that this would happen. In XXXX I received another another notification from Truist that a XXXX dollar return statement fee had been charged to my account. In XXXX another XXXX dollar fee for a returned statement was charged to my checking account. I immediately called Truist and spoke to a young lady somewhere in the United States and explained what had happened. She investigated and informed me that I needed to go into my profile and change the statement delivery method from a paper statement in the mail to a digital statement. She stayed on the line and talked me through making the change to my online profile. She informed me that the change had been made and that I would be able to switch back to a paper statement in the mail in two months. Additionally she assured me that the prior XXXX dollar fees for the returned statements would be reimbursed to my account. Yesterday, XX/XX/XXXX I received a notification from Truist that a XXXX dollar return statement fee had been charged to my checking account. Im at my wits end and dont know what I can do to satisfy this mistake-prone financial institution. None of the fees have been returned to my account. I hope you have more success in resolving the situation than I have. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: saw XXXX charge in pending transactions. Was told could not challenge until posted. Called back when posted. Was deleted than reposted XXXX times. Reposted again then charged late fee for non payment plus interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32763
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A