Date Received: 2022-11-14
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: Trying to pay the bank with and was refused payment because of charge off. Could not explain why it was a charger try to re-establish relationships with the company. To find out further that my account was still in charge off static. And to find out they view me as a deceased individual.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I exercised my right of rescission due to non disclosure of my right to rescind pursuant to XXXX XXXX XXXX, along with violations of : XXXX XXXX XXXX XXXX XXXX XXXX ( c ) XXXX XXXX XXXX ( b ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of which were included in the " AFFIDAVIT OF TRUTH '' which was mailed via registered mail on XX/XX/2022 # XXXX and received on XX/XX/2022. TRUIST has yet to comply the lawful effects of my rescission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are unauthorized businesses on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On the date of XX/XX/XXXX a hard inquiry was placed without my permission, as soon as I found out I contacted the credit bureau to have it removed but couldn't I then put a freeze on my credit. I was told I needed to contact the finance company in question witch I did they said I needed to contact the person who submitted the application witch I did and I have a response. I didn't give out my SS # and don't understand how they can do this with out it. When he submitted the application it wouldn't go through because he didn't have my SS # and he wanted me to fill it in and I refused to give it to him. When I contacted him he said he would have it removed. How can this be so easy to do and like XXXX to remove?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I attempted to open a Truist Dimension Checking account online, and it was successful. I made a deposit of {$50.00} into my account to start it off. However, when I tried to log back in, it wouldn't let me. That's when I had found out that my email and bank account was compromised. I immediately alerted Truist, and they had given me a phone call and a link to verify myself. In the link, I had to upload a picture of my face with my photo ID. For some reason, they were not able to verify me despite my efforts to verify myself. I had visited a local branch in XXXX, but she had failed to verify me as well. The account was locked down. I could not go into my account, make changes, close or even deposit funds into it. In my frustration and needing a joint bank account with my boyfriend, we had visited another branch of Truist Bank on XX/XX/2022. I was helped by a banker, XXXX XXXX and he proceeded to open us another bank account, a Truist One Checking account. He had verified both of us and successfully opened the account which I then used. After multiple attempts to call them to verify me and visiting local branches, they still failed to verify me until XX/XX/2022. I visited the XXXX XXXX branch of Truist. The bank verified me successfully, and that's when I had found out that my account was charged " maintenance fees '' even when the account was locked down and I had no access to the account. I tried to dispute the charges for the maintenance fees because 1. I did not have access to the account, including depositing any money into it 2. It does not make sense for me to pay maintenance fee for an account that was locked and unused and lastly 3. Even if I had access to the account, I requested to close the account multiple times, in which they repeatedly told me I could not until I verify my identity despite attempting to verify myself with my driver 's license, permanent resident card, social security card and an active passport. A total of {$80.00} dollars of maintenance fees were charged between XXXX through XXXX, {$20.00} of maintenance fee per month. I was refused dispute of the maintenance charges despite not having access to the account, and they refused to close my account if I did not pay the {$30.00} worth of maintenance fee and also refused to refund my original {$50.00} that I had put into the account when I initially opened it. I am so upset and disappointed with the way Truist bank operates, and even with my active account, I still have problems with it all the time. It's certain that I am never going to bank with Truist again because of their practices, lack of customer service and ignorance in handling particular situations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: My first attorney on XX/XX/2022 and again on XX/XX/2022 sent notifications to all three credit bureaus about Suntrust/Truist Bank . My latest attorney sent on XX/XX/2022 a follow up and demand to the bureaus and creditor with no reply at all. I'v called the creditor and get passed around trying to validate this account and do not have anything from them. My attorney feels this is infringing upon my rights and goes against FCRA. With no reply this must be removed off our report IMMEDIATELY before we have to take any further legal action. Please help us get a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37075
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
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: The last payment was made on XX/XX/2022 and on XX/XX/2022 the company reported my account as be delinquent. which changed my credit scores by XXXX points this is not fair. Resulting in my XXXX at XXXX and is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11714
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: The company refuses to provide a refund of the overpayment in the amount of {$290.00} made when the account was paid off on XX/XX/2022. We have called the company multiple times to follow up on the status of the refund and each time they tell us " the check was mailed on XX/XX/2022. '' At no point has the check been received. The last three times we have contacted the company we have requested and been assured that a new check would be mailed to us ; however, this is yet to happen despite their multiple reassurances. For three months now, the company refuses to provide a refund for the overpayment of a paid-off loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Settlements as of XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX and XX/XX/XXXX. Incomplete settlement vinacular between worker and account. Checking and savings, both held money as workmanship went on as of completion of work nothing settlement for next appropriation. XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62221
Submitted Via: Web
Date Sent: 2022-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: WHEN I FIRST TOOK OUT A LOAN MY PRINCIPAL WAS {$900.00} WITH A INTEREST RATE OF 6.125 % TOO MUCH FOR A VA LOAN. FOR 12 MONTHS THAT`S $ 10,800.00.FROM XXXX TO XXXX {$32000.00}. LOOKING AT THESE DOCUMENTS SENT TO ME. I HAD THE LOAN REFINANCED IN XXXX, IT SHOULD`VE BEEN A VA IRRRL XXXX I SAW NO DOCUMENTS THAT SAID IT WAS. IT SHOULD`VE BEEN A REDUCTION OF THE INTEREST ON THE EXISTING LOAN. YOU TOOK THE EXISTING LOAN AND THE {$32000.00} IN PAYMENTS AND GAVE ME ANOTHER LOAN STARTING IN XXXX. THEN YOU TRIED TO BRING IT BACK UP IN XXXX SAYING I APPLIED FOR A MODIFICATION THAT WAS FORGED. SOMEONE JUST WROTE ON TOP OF THE DOCUMENT REFINANCE. DOCUMENT # 1 ( XXXX ) AND DOCUMENT # 2 ( XXXX ) WERE NOT DATED AND THE NOTARY LOOKS LIKE IT WAS STAMPED THE DAY YOU MAILED IT ON A XXXX DOCUMENT. AND DOCUMENT # 3 ( XXXX ) LOOKS LIKE THE MATH FIGURES WERE ALTERED. DOCUMENT # 4 ( XXXX & XXXX ) THE NAME LOOKS LIKE IT WAS ALTERED AND SIGNED AS BOTH AND THE NAME LOOKS LIKE IT WAS FORGED. WE WORKING PEOPLE WORK HARD TO TRY TO KEEP A ROOF OVER OUR FAMILY AND YOU JUST WANT TO COME AND TAKE THAT AWAY. WITH SIGNATURES THAT LOOK LIKE THE ONES ON THE PICTURE OF PAST EMPLOYEES TELL ALL. I WILL BE SENDING CFPB COPIES OF MY FINDING FOR ANALYSIS. AND THE FORGED MODIFICATION IN XXXX TO XXXX NEEDS TO BE HANDLED AS A CRIMINAL ISSUE FORGING AND ADDING LOANS TO LOANS THAT HAVE BEEN CLOSED FOR YEARS THROWING THE LOAN INTO A INTEREST-BEARING LOAN. MY LOAN WAS UNDERWATER FROM XXXX TO XXXX. THEN I GET A {$30000.00} LOAN OF EQUITY RECORDED IN THE COUNTY RECORDS AND A {$28000.00} LOAN IT`S IN THE RECORDS. THEN I AM SEEING THE INTEREST RATE OF MY LOAN AS 5.125 % BUT YOU HAVE IT ON THE BANK STATEMENT AS BEING 3.750 % CFPB NEEDS TO INVESTIGATE THIS AND I KNOW THEY CAN. THESE ARE SOME SERIOUS ISSUES THAT NEED TO BE RESOLVED.
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: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A