Date Received: 2024-01-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist bank. Deposit what you people call cash into the atm. The atm cut one of my {$10.00} bills In many pieces. Called Truist number nothing happened. Need my {$10.00} credit to my account. I have a Id government card called XXXX XXXX XXXX Your bank tellers in XXXX fl asking me for my drivers license. My card is issued by the state. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The following account REGIONAL ACCEPTANCE acct # XXXX was charged off as of XX/XX/. Since the the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understanding charged off accounts should NOT include an active payment history. This is a direct violation of the consumer Fair Credit Reporting Act. This also falsely manipulates the statue of limitations. This account is approximately XXXX years old. Which due to the nature of falsely reporting every month as a late payment or past due this account should be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: After merge if Suntrust, XXXX and Truist Bank and repeated cards being suspended by Customer Service in the XXXX and my card being suspended always in a XXXX or XXXX weekend, XXXX mortgage payment were lost by merge by computer failure during merge and ongoing inconsistencies between the XXXX shore and stateside customer service, I went to their XXXX XXXX XXXX XXXX and was treated by the XXXX, disrespectfully on XX/XX/XXXX and returned to the same branch where there was only XXXX teller in the bank and explained I wanted the account for only direct depodits by SS benefits and no other activity on this accout. One employee teller was present and I explained what I wanted and withdrew leaving {$50.00} to maintain this holding acciunt. This teller acknowledged understanding and did nothing. I then spoke with XXXX XXXXXXXX XXXX XXXX XXXX there XXXX XXXX, XXXX Truist XXXX who again acknowledged understanding. Now I am told both last month and again by XXXX XXXX conversations with offshore customer and stateside Truist supervisor customer service that Truist policy is firm and not flexible and since my wallet and all my id, cards etc was stolen in XX/XX/XXXX, that I could not withdraw any funds from my account until which time I could supply a picture ID which XXXX as my new XXXX XXXX XXXX bank has mailed a new permanent debit card with an approx arrival date if XX/XX/XXXX. waned tge account to only be a holding account until I could get direct deposit moved to XXXX XXXX XXXX XXXX XXXX bank in XXXX Ga, I do not want and XXXX XXXX did not iffer a Truist debit card as I did make the account active only for SS check Direct deposit and funds would be withdrawn and my business would be solely with my new bank, XXXX XXXX Bank in XXXX. At no time until my XXXX SS direct deposit was I made aware. Interestingly after contacting an Elder Advocate office she advised me of XXXX XXXX, Assistant Vice President at the Truist branch at XXXX XXXX XXXX XXXX in XXXX and XXXX XXXX did release my funds with only his signature. This was done at the suggestion of the Elder Advocate woman who was familiar with XXXX XXXX. I have had unexpected diagnosis and lastly during an outpatient cardiac catheterization at XXXX in XXXX, GA by XXXX XXXX XXXX the worse possible unexpected problem happened in XX/XX/XXXX which resulted in my being admitted to their XXXX. In fact I had to have the office XXXX of the XXXX XXXX audio call me as to what happened and why I woke in the XXXX. During this outpatient procedure the catheter wire pictured my left XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Of course this was unexpected by both myself and XXXX XXXX and is a nightmare as I had excellent health until the last 2 years ( in XXXX ). Needless to say this added stress us detrimental toy health and this date ( XX/XX/XXXX I spent from XXXX to approximately XXXX speaking to XXXX offshore Truist customer service representatives and XXXX XXXX side supervisor of customer service Truist representatives who all say the same thing- the Truist policy is XXXX XXXX even if all ID and wallet was stolen and I can not get a driver 's license without either going to the XXXX XXXX XXXX having a current Debit/credit card XXXX my name. This is unreasonable and is exactly why I chose to end a 30 year relationship ( XXXX states ) XXXX XXXX tears after tge merfe to change banking institutions. I followed all directions by the off shore Truist customer representative and called back to find the second representative stating the same. It was then I asked to speak to an stateside customer service supervisor rep ( XXXX ) who attempted to reach both the XXXX XXXX Truist XXXX, XXXX XXXX XXXX and XXXX XXXX at the XXXX XXXX location and was not successful in reaching any Truist Employee at either location. And again stated the Truist policy of current photo ID was permanent and unable to allow any exceptions for any reason. I find this cruel and abusive as I am XXXX and now in bad health and quite weak. All correspondence is simply {$36.00} overdraft charges in my holding account to be used for the direct deposit of my Social Security Benefit direct deposit can be moved to my current bank ( XXXX XXXX XXXX Bank. I find this inflexible policy absurd and XXXX quite detrimental to my health. I am XXXX XXXX XXXX in XXXX, XXXX XXXX XXXXnd enjoyed my 50 year XXXX career very much. I had no issues for approximately 30 years as a loyal Suntrust customer and have found this merge nothing but abusive and to withhold my SS XXXX deposit should be illegal. i have the number given to me by a local attorney who dies not have the number for the XXXX XXXX governing attorneys for guidance in obtaining representation in this matter. This is all unnecessary and to me a crazy unreasonable Truist policy thst obviously differs from one Truist bank to another. Please help me resolve this issue XXXX give direction as to where I can get a local elder advocate or attorney hopefully with no further out of pocket expense to me. Thank you in advance for any assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: We - XXXX XXXX and XXXX XXXX- have XXXX mortgages with Truist bank, XXXX and XXXX. We pay our monthly p & i on time each month, generally on the first day of the month due or in some cases the last day of the prior month. Beginning a week ago, I started receiving emails from Truist on a daily basis, and then every few hours claiming our XXXX mortgage payments had not been received. Despite this, the Truist online app reflected that the payments for XXXX were paid on XX/XX/2023, three days early. Now, on XX/XX/XXXX, my accounts reflect that they are in arrears and we have been charged penalty fees. This is simply incorrect and reflects a fraudulent attempt to collect duplicate mortgage payments. I would like the records of my accounts corrected, my accounts placed in good standing, the penalty fees reversed, and the credit agencies notified of Truist 's error. ( Please note that my CFPB account includes my late mother 's name from a complaint filed several years ago. She, deceased, is not related to this new matter. )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 024XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: There is inaccurate information being reported on my XXXX file for the account with Truist Bank. 1. The account states I've paid of 51 % of this account. Why is it 51 %? I have previously requested verification in the form of documentation and XXXX has failed to verify this information. 2. The term on the account states XXXX months ( XXXX years ) but then states the account was opened XX/XX/XXXX ( XXXX yrs, XXXX months ) ago. That date is XXXX years and XXXX months longer than the initial term of the contract. I request verification of said contract and not from the creditor reporting this account as the reporting is inaccurate. XXXX. XXXX reports the last payment made on this Truist account was XX/XX/XXXX. A payment was made when? This information is inaccurate and I would like to request verification in the form of a receipt showing the payment which XXXX is reporting as being made on XX/XX/XXXX. XXXX. XXXX is reporting this account was closed XX/XX/XXXX. How was the account closed XX/XX/XXXX when that date is longer than the initial term as well as the date XXXX reports the account was opened XX/XX/XXXX. XXXX years and XXXX months ago? Section 623 ( a ) ( 8 ) Furnishers must comply with federal regulations that identify when an information furnisher must investigate a dispute made directly to the furnisher by a consumer. Under these regulations, furnishers must complete an investigation within 30 days ( or 45 days, if the consumer later provides relevant additional information ) unless the dispute is frivolous or irrelevant or comes from a " credit repair organization. '' Section 623 ( a ) ( 8 ). Federal regulations are available at www.consumerfinance.gov.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33610
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, a registered security was submitted to this company 's Trustee for the purpose of satisfying the outstanding obligation pursuant UCC 3-603 and UCC 3-604 . The instrument was tendered in good faith and with the intent to discharge the debt in full pursuant UCC 3-311. I gave beneficiary instructions along with the security stating to process the tender of payment with special endorsement for the principal account for satisfaction and discharge as well as cancellation pursuant the trust indenture for the issuer and registrar. I gave notice to fulfill fiduciary duties and perform, per the Trust Indenture agreement, Trust Indenture Act of 1939 and Securities Act of 1933. The IRS-accepted 1099-A was submitted to the company as well to legally set off the debt. My account was not adjusted properly and car was wrongfully repossessed. I even explained to the company that there must be a perfected lien on the vehicle, to ensure maximum legal rights, in which I performed a UCC-11 search and found out that there was not a UCC-1 filed in the system with this company as the secured party. As a federally protected living consumer and investor, I'm exercising my legal rights and putting this matter on the record with the CFPB. I understand the importance of compliance with the SEC, FINRA, SIPC and UCC rules and guidelines in relation to handling securities. So, once the forensic audit proves my CUSIP number is being sold and traded and I obtain an accounting from the Department of Revenue on the public and private side, I'll file arbitration to prove my claim of potential securities fraud and wrongful repossession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Weeks after my mother 's death, on XX/XX/XXXXXXXX I was contacted by XXXX XXXX at the XXXX XXXX branch of Truist bank. She called me by phone to request that I come to the branch with my marriage certificate and driver 's license to verify my identity, as the successor trustee of my mother 's account. I was home XXXX with XXXX so I asked her to please put the request in an email and send it to me. I told her that I lived in New York and would be in Florida a few days later for my mother 's funeral. I told her that I would stop by the bank to personally hand her the documentation along with bringing a copy of the original notarized trust with me. She agreed that this would be the proper identification needed. I subsequently missed my mother 's funeral as I was XXXX XXXXl from XXXX for weeks. I made a special trip to Florida to go to Truist on XX/XX/XXXX to take care of the rest of the details regarding my mother 's estate. I brought with me, my NYS driver 's license with my previous married name, my updated NYS driver 's license with my new married name, and both marriage licenses to prove my new married name. I brought a copy of the death certificate. I also brought the original copy of the trust agreement which was signed and notarized by both my mother and myself. XXXX told me that all of that documentation was not needed, that all Truist was looking for was the marriage certificate ( Showing chain of surname ) and my current license. Upon going to the bank, I waited over an hour for XXXX to assist me, as she was with another client. She knew I was there, and eventually handed me off to her associate name XXXX. He took the documentation, made copies of everything, and told me that he was going to have to send it to their legal department, because Truist did not have a copy of the trust on file. Apparently, this account was originally opened at SUN TRUST bank which was subsequently bought out by Truist. The day after I gave them all of the documentation, I received a phone call from XXXX XXXX, that Truist was now asking for a letter of legal opinion from an attorney. I was very annoyed and asked her why I was not informed of this information prior to getting on a plane to bring the documentation that she requested. She made no mention of an attorney letter, in her email or phone calls to me. I contacted my investment banker representative at XXXX XXXX and asked her if she had ever heard of this, and she said absolutely not, that the signed notarized document of the trust along with my proof of identity should have been enough to grant me access to the account along with naming me the successor trustee. I contacted the attorney 's office who handled all of the paperwork, and was also told by them that the original notarized copy of the trust was all that was legal and necessary to provide the documentation to the bank. Subsequently after getting no where with this branch I sent a letter to the main XXXX XXXX branch of Truist, sent them copies of all of the documentation and asked for statements and some kind of letter to be sent to the branch in Florida to notify them that I am the successor trustee. I received a package back from XXXX XXXX with the copies of the past two years statements and a letter stating that the file was transferred to the XXXX by the XXXX XXXX of Truist. I contacted that branch two different times and was told that they had no knowledge of what I was referring to. I gave them the name of the person in XXXX XXXX XXXX XXXX XXXX ) who sent me the copies of the statements and they basically told me that they could not help me that I should try and get back in touch with her. I left her three voicemails and she has not returned my call. I called my attorney to ask him if he could help and his response was that he has never heard of a bank asking for such a request and even so, he would not even know what type of documentation to put into the letter that they would deem acceptable. I made numerous calls to Truist and was finally put on the phone with XXXX XXXX in XXXX who said she was the regional director for Truist, she told me that " any reputable attorney would know what to do ''. She was rude, unprofessional and quite frankly should not have any type of job in customer service. I am now at a crossroads where I am being forced to hire an attorney to verify my identity, pay money to him, to gain access to an account where I have the original copy of the trust. And the bank seems to have nothing. My accountant has told me that we will need the last 3-5 years of statements so that he can effectively do the Trust 's tax return. To date I have no communication or guidance from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11743
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have had my account overdrafted multiple times with small less than XXXX $ charges regardless of what overdraft setting I use in the settings. Ive called them every single time trying to get it reversed and to tell them to turn it off and just reject the payment and they continue to charge me XXXX dollars for not having XXXX dollars when a subscription renews.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94597
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting all documents used in the investigation along with signature on any documents proving that the debt belongs to me. Each time I request these documents they continue to write saying it is verified and accurate. The is my last request and I don't receive them I will take legal actions for all the violations. The bank did there investigation and said that the social security number didn't match but then left it on my report confirming its accurate. Under the FCRA 15 U.S.C 1681g I have all the right to demand that you disclose to me all of the documents use. Send me copies. Under FCRA 15 USC 1681i all unverified accounts must be promptly deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: I AM SO ANGRY ABOUT THE TRICKERY OF MY VA LOAN BEING CHANGED TO A CONVENTIONAL AND THE 3-YEAR PAY-DOWN STATUS STRIPED AWAY. I WAS PAID DOWN TO 27 YEARS FROM XXXX TO XXXX. YOU SEE THE VA XXXX IS A LOAN WITHIN ITSELF JUST FOR VETERANS SAYING THAT IT`S A VA TO VA. NOT A VA TO CONVENTIONAL. I HAD ABOUT {$54000.00} OF P & I INVESTED IN THE LOAN UNDER THIS LOAN NUMBER IN THIS PHOTO ( 1. ) XXXX. AND I CAN NOT BELIEVE HOW MANY TIMES I HAVE HAD LOAN # FLIPPED AND STILL FLIPPING. FIRST IT WAS XXXX NOW XXXX. THEN I HAVE FUNDS STOLEN FROM MY EQUITY AND ADDED BACK INTO THE LOAN. IF I DID MISS ANY PAYMENTS INSTEAD OF YOU ADDING MONTHS TO THE LOAN YOU ADDED YEARS THEN ADD INTEREST TO THE PAYMENTS MAKING THE PAYMENTS LARGER OVER TIME BY PUTTING THEM IN YEARS. PHOTO ( 2. ) XXXX. CONVENTIONAL LOANS ARE NOT INSURED BY THE GOVERNMENT. ( 3. ) XXXX. I HAVE HAD NO AMORTIZATION SCHEDULE SINCE XXXX, I HAD A FIXED RATE APR TO THE MORTGAGE. AND MY WIFE NAME CAN NEVER GO ON THE LOAN CAUSE I AM USING MY INTITILMENTS. SHE CAN ONLY BE ON THE TITLE AS THE OWNER THE LOAN IS IN MY NAME. I AM NO MORE CLOSE TO BEING A OWNER OF MY HOME THAN I WAS IN XXXX. I MAKE PAYMENTS AND YOU FIND WAYS TO PUT THEM BACK IN TO THE PRINCIPAL.THIS LOAN IS IN A RESTOR STATUS MEANING THE LOSS OF MY INTITILMENTS AND XXXX XXXX XXXX DID A TRUST NOW MY HOME BELONGS TO HIM. IF I DEFAULT I HAVE TO ANSWER TO HIM NOT TO THE BANK? OR SHOULD I SAY TO HIM AND THE BANK. CAUSE YOU DID A CONVENTIONAL AND HE PAID {$30000.00} THAT`S AFTER TAXES.YOU SWAPPED OUT MY XXXX LOAN JUST LIKE I WAS A FIRST TIME BUYER, AND MADE {$54000.00} DOING IT. MY ATTORNEY AND I ARE DOCUMENTING ALL OF THIS. AND THOSE SIGNED DOCUMENTS YOU SENT ME I DON`T NEED NO FORENSIC TO KNOW THEY ARE PHOTO COPY FORGERY. THAT`S WHAT COMPANIES WITH MILLIONS CAN DO.
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: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A