Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have fraudulent hard inquiries on my XXXX report that need to be removed immediately. They are as follows : XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX SUNTRUST XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXXXXXX XXXX XXXX inquired XX/XX/XXXX XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX inquired XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 583XX
Submitted Via: Web
Date Sent: 2022-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: I have been doing business with SunTrust for roughly 14 years. After converting to Truist I started having problems. Most recent, I wrote a check to myself from another account, which I have been doing ever since mobile banking has been allowed. I live in a rural area and a branch is more than an hour away, so this is how I move cash or other money. I've probably done this 100+ times. I had funds not be paid at my other bank, which returned the check. I went the next day and put cash in the Truist account to cover the mishap. Several weeks later, I couldn't access my account online and couldn't see my husband 's payroll check deposit. I contacted Truist on XX/XX/XXXX and they claim it set off a fraud alert so they blocked all incoming and outgoing transactions and that the payroll deposit would be sent back. We waited for 7 days working with the sender with no notifications from Truist. I started calling Truist again on XX/XX/XXXX. Each day it was a different story. They said they did credit the account with my husband 's check, paid an outstanding balance of around {$600.00} and I had a balance of XXXX XXXXXXXX. I told them we couldn't go without the paycheck, they created a mess with bills I scheduled to pay and that I needed to pay my electric bill. Each day I've called and they state they will call back or that they will get the block off, but no response thus far. Now they're stating that due do old accounts, they haven't released funds. We need our paycheck and the problem resolved, but can't get any assistance from Truist after 6+ calls to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received mailings that someone opened over XXXX accounts in my name. I never opened an account with truist bank. Their customer service is less than helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I signed a Retail Installment Sale Contract on XXXX, as well as a GAP contract. The contract that I signed was to finance a XXXX XXXX XXXX for a finance amount of {$26000.00}, with an interest rate of 15.95 %. The GAP contract was for {$660.00}. The car dealership contacted me weeks later stating that they needed me to pick up additional paperwork, which appeared to be the same paperwork. I was on a lunch break at the time and did not have the original papers on hand, and was also going through an unexpected death of a toddler in the family. When I got home I did not look at the original paperwork as it all looked to be the same. Now looking back at the paperwork the second set of paperwork has the same deal # on the sales contract, but the financed amount shows {$25000.00} with an interest rate of 18.95 %. The GAP contract has a different debt cancellation agreement #, and the second contract has a price of {$700.00}. I have been paying on this loan for over XXXX, and the company that financed the vehicle is stating that only {$950.00} has been applied to the principal balance, and all of the other money that I have paid has been applied to interest. I did have some hardship deferments due to XXXX, being out of work without pay, over the XXXX. However, the dealership also agreed that even with a much higher interest rate and many more deferments it is not legally possible that my current 10-day pay off amount for this loan can be less than {$100.00} of the original finance amount for the same loan. This loan has never been refinanced, and there is nothing in the original contract that would reflect that I would have paid on this loan for XXXX with this being the final result. There is something about this loan that has to be illegal, as it is designed to keep the consumer trapped into paying an excessive amount for a vehicle that is triple the amount than what the vehicle was worth at the time of financing, and the employees of the finance company have even stated to me that this is the worse kind of vehicle loan that anyone can have. I would be surprised if there was not some type of lawsuit against this company for this same type of issue. I have been under a great deal of stress due to being trapped in this contract. I have paid over $ XXXX in payments on this loan and the finance company is still stating that I owe {$25000.00} for a 10-day pay off on this same loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23703
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Overdraft fees charged when deposits are made and money available to cover charges. Deposits made through XXXX not processed for over XXXX hours repeatedly allowing overdraft fees to be charged. Clearing purchases before deposits made before the purchases were.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Please note that in XXXX XX/XX/XXXX, I purchased a new XXXX XXXX and the XXXX dealership provided me a loan with BB & T for a 5 year term loan. In XXXX XXXX decided to contact to sell the vehicle and I call BB & T that is now Truist Bank and their customer service representative denoted that she would have the Title with the notarized lien release mailed to my residence with 14 days. I sold the XXXX XXXX to a very nice lady that I told her that Truist was forwarding me the title with the lien release and I would mail or deliver the documents to her. In XX/XX/XXXX, knowing that I had to go to XXXX XXXX on XX/XX/XXXX, I initiated XXXX more call to Truist and was told the same thing that they send me the title and notarize lien release and they apologize for the delay. Upon my arrival back to my NC residence, in XX/XX/XXXX, I called Truist again and was informed they would get this title and lien release expedited to me. I had been bitten by a tick while I was in XXXX XXXX and upon returning back to NC, I contracted full blow XXXX XXXX. So, I contacted Truist again in XXXX the beginning of XX/XX/XXXX. I started complaining and asked for a supervisor and the supervisor told me that there was an outstanding balance of approximately {$600.00} owed on the vehicle. I immediately paid the outstanding balance by debit card and I was assured that they would put a rush on the title and lien release request and it would not take longer than 7 days to receive. I conveyed this to the buyer of the vehicle. After, the 7 days expired and I had not received the title, I requested to speak to another supervisor, XXXX XXXX. I have several emails from XXXX that confirm her commitment of me receiving the title & lien release within XXXX days and as of XX/XX/XXXX I have not received the title nor the notarized lien release XXXX I believe that Truist should immediately deliver me the title and lien release & provide me and the buyer if the car {$2000.00} each for their deliberate terrible customer service that has caused all kinds of problems for me and the buyer. I have emails from Truist that corroborate with my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27516
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In a letter to me dated XX/XX/XXXX, Truist alerted me to information " about your account ending XXXX ''. I have no such account. All my accounts with Truist were closed in early XXXX, after Truist had allowed strangers to open joint accounts with me ( in one case a convicted drug dealer ) my wife and I closed all our Truist accounts -- those we had opened and those Truist opened without our consent. This process took months and numerous visits to Truist branches to resolve. It included Truist refunding thousands of dollars plundered without our consent or knowledge from our checking and savings accounts and closing all unauthorized accounts in my name. Truist delayed at every turn and treated us shabbily. The XX/XX/XXXX letter had an additional shock. It was also addressed to me and an apparent joint holder of " account XXXX '' : XXXX XXXX XXXX. XXXX, like those persons Truist allowed without verification or consulting me to open joint accounts in my name in early XXXX, is a stranger. It is alarming that long after I parted ways with Truist, Truist is evidently again in the business of setting up accounts in my name with my permission. This is illegal and forbidden by state and federal law. It constitutes harassment and an assault on my financial and personal privacy. It must now be definitively and conclusively addressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20814
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I was notified by XXXX XXXX XXXX XXXX that I was required to take my required minimum distribution on my IRA. I sent the RMD forms in ( see attached ) letter and required forms. XXXX XXXX informed me that the money was sent EFT to Truist Bank. After waiting the required time line of 3 days the money had not shown up in my account. I contacted Truist Bank and they informed me that they had not received the funds from XXXX XXXX XXXX stated to me and to Truist the money had been sent.After numerous calls to Truist this matter has not been resolved. Truist is standing by that they never received the money. It is though Truist is making know effort to tract this transaction. Please review and advise. Respectfully, XXXX XXXX @ XXXX email XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28645
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2022, I was awarded an XXXX from the CFPB. I procured the equipment in needed to satisfy the XXXX, and wired some money to a legitimate supplier on XX/XX/2022. On XX/XX/2022, I got confirmation that the XXXX was fraudulent and so I filed a police report with my local precinct. Detective XXXX XXXX was put in charge of my case. On XX/XX/XXXX, he informed me that he'd put in a request to reverse my wire transfer. 2 weeks later, on XX/XX/XXXX, I followed up with him to ask about progress. He asked me to follow up with my bank as he didn't have any information. I did as he suggested. In that day, the bank froze my account and asked me to go to a local branch where I could get identified in person so my account could get unfrozen. I have since been to that branch 3 times and I have made numerous calls to the fraud department of Truist Bank and my account is still frozen. This is my business account. My business loan repayments and client payments go through this account. No one is giving me a valid reason why my account is still frozen. I just want to access my funds so I can close my account with this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Information on credit report is being reported incorrectly negatively affecting personal data.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A