Date Received: 2022-11-11
Issue: Problem with customer service
Subissue:
Consumer Complaint: on XX/XX/XXXX I paid off my account with Service Financial and overpaid by {$700.00}. I notified the Company of this overpayment and they told me they cut a refund check on XX/XX/2022. I called them on XX/XX/XXXX inquiring about my check. They told me to wait until the XXXX and contact them again. On XX/XX/XXXX I called and they told me to wait until XX/XX/XXXX and they would cut another check. I called again on XX/XX/XXXX and they told me to wait until XX/XX/XXXX and that they would submit another request for a check to be cut on the XXXX. You can see where this is going. This bank is based in XXXX XXXX, FL yet is doing business through XXXX XXXX XXXX Ohio. I spoke with a supervisor named XXXX on XX/XX/XXXX. At least he tried to explain the entire process. I need the {$700.00} dollars now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75028
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Money was taken from your bank account on the wrong day or for the wrong amount
Subissue:
Consumer Complaint: A XXXX employee filled out an incorrect telephone when they created an XXXX loan on a tablet. I was unaware because there existed no paperwork, etc. and was purchasing a XXXX contract, not an XXXX loan. At some point in 2021 I needed a new credit card due to theft, and it should be noted the bank I use permits charges from previous business. Long story short, XXXX was charging my old card for a year up until they [ presumably ] made a system change in XXXX and the old card no longer worked. XXXX did ( to their credit ) call the incorrectly entered phone after some number of failed charge attempts due to the closed card. The number in their system was for my fianc and she ignores spam calls. I found out about the issue when my credit dropped XXXX points and am certain XXXXXXXX has systemic issues after looking into them on XXXX and other consumer protection sites. I immediately called and brought the account current with a new card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Problem when making payments
Subissue:
Consumer Complaint: On XX/XX/XXXX I lodged a complaint about XXXX XXXX XXXX complaint # XXXX. It is regarding double payments & billing iseues. On a couple of occassions I had made XXXX payments in 1 months time. I received a invoice stating my next paymnent is due XX/XX/XXXX. I contacted the company again today, only to be informed that : when I make a double payment in a months time, the additional payment goes directly to the PRINCIPAL!!! Which I was unaware of & I was informed it is in the agreement... .. well a ) I do NOT recall the agreement as took this loan out over XXXX yrs ago ; b ) IF it is in the agreement, I did NOT see this notice because I have a visual impairment & can not see regular print. I need larger print or BOLD print to see. So all this time I am making additional payments on this loan thinking I am ahead by 2 months & in reality I am NOT ahead in montly paymwents IT is just deducing my principal. I am paid up through XX/XX/XXXX .... in my calculation BUT in the company calculation I am just minus the principal amount. To me this is misrepresentation & misguidance to the consumer. I do NOT know IF anything can be done about this BUT I do believe someone should have called me & notified me of this practice ... .. that additional payments go towards the Principal! Again I was NOT aware of this @ all!!!!! A company 's billing practices should be clearly explained to the consumer. All this time I am believing I am ahead in my monthly payments BUT in reality I have just deduced principal amount!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/XXXX a thief breaking in to my car and rob my purse with my driver liscense ; my debit card ; banking cards and my Credit cards i call the Police i reportevery institution about it but they still tryand went to the Banks and tried get money from my accounts ; they did get money from my truist bank it happen on XX/XX/2022 ; i wish somebody can be more alert with this froud and ill be better if they alert me at any suspicion of fraud thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: TRUIST BANK, which " inherited '' my checking account from BBT, has been violating clients ' rights for a long time. This is not my first complaint, and they refused to negotiate with anyone to solve the past one. The issue now is that TRUIST BANK IS REFUSING TO RESPECT MY LEGAL RIGHT OF CLOSING MY ACCOUNT. They got in touch once ( in the transition from BBT, they eliminated ALL METHODS of written communication, which I really know to be illegal, since I have hyperacusis and do not use the phone ). They were disrespectful and starting threatening to demand my full attention and compliance. This is just too surreal for me to comprehend - how can a bank be allowed to function here when it simply violates ALL their clients ' rights? My first request from you is whether you can make them obey the law and close my account. My second question is what will happen if I just transfer all the funds, leaving it with {$5.00} only. In one month, the account will be delinquent ( maintenance fee ). They will try to collect. Doesn't that configure EXTORTION? If so, how are things done in the US? In the other countries I lived in, that's when you file a report with the POLICE, because it is a crime. It is also a crime ( a misdemeanor ) to refuse to allow a client close their account. I don't know what to do, and I got in touch with other customers. They report the same issues and they are all trying to close their accounts. I will be waiting for your instructions. You have my permission to use any means to force this quasi-criminal organization to follow the law. yours, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73119
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have not received a billing statement for my Truist Auto Loan since XX/XX/2022. I have tried to resolve by going to the bank and assured it was fixed ; I still haven't received a bill. I have made payment but not sure what is owed or any billing details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX Phone : XXXX Auto Loan Amount : {$16000.00} Defaulted XXXX, XXXX Supporting letter attached Car was repossessed Numerous attempts to have this removed from my credit reports, as this was defaulted over 7 years ago now. No resolution through company or credit reporting agencies. Regional acceptance does not show charge off amount or correct dates of default, does not report that far back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32570
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX XXXX we applied for a home equity line in the branch with XXXX XXXX. While the bank was still BB & T. On XX/XX/XXXX We had to go back in and resign paperwork for home equity line of credit in the branch with XXXX XXXX. We were we were advised that BB & T was merging to create a new company called Truist Bank. We were told to expect a new online platform and mobile app coming very shortly. On XX/XX/XXXX we also opened a personal checking account so that we could make payments to the home equity line of credit from there. We also were advised that we could fix our interest rate at any time during this process I just needed to come into the branch and let them know. We took advances against the XXXX Acct # XXXX on XX/XX/XXXX for {$50000.00} XX/XX/XXXX for {$25000.00} XX/XX/XXXX for {$37000.00} For a grand total of {$110000.00} ever borrowed against this line. No future draws were ever made, just payments from here on out in the amount of {$12000.00}. On XX/XX/XXXX we visited the Truist branch ( XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX ) to lock in {$100000.00} to be a fixed rate 4.25 % with XXXX XXXX, Relationship Banker, phone XXXX, XXXX. We signed papers and thought everything was good to go. XX/XX/XXXX We discovered that Truist had two lines of credit being reported to our credit bureaus saying we were carrying a balance of approximately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We visited the branch again with XXXX XXXX, he advised he would open a ticket for us. No response, no fix, no communication. XX/XX/XXXX We received a refund check from Truist for acct XXXX XXXXXXXX overpayment in the amount of {$960.00}. We visited again with XXXX at the branch, bringing the check with us. We had the manager come over and meet with us ( XXXX manager, didnt get her name ), and she advised us to deposit the refund check into our checking account. She even wrote up the deposit for us. The check was then bounced back as a stop payment on XX/XX/XXXX ( see attached A ) and we were charged a bounced fee of {$12.00}. ( THIS IS A CAUSE OF A LOT OF THE MISAPPLICATIONS OF PAYMENT, BUT I WILL ADDRESS THAT LATER ). EXHIBIT XXXX XX/XX/XXXX That same visit with XXXX and his manager resulted in an incident number of XXXX. He was going to have them fix the two accounts issue, and credit back any weirdly applied payments resulting from having XXXX accounts, not locking in the fixed amount on XX/XX/XXXX as they should have, and we were assured our problems would all be fixed. From there it has been a nightmare of applied payments, misapplied payments, crazy interest applications, multiple incident reports opened, etc EXHIBIT XXXX On XX/XX/XXXX, I emailed XXXX regarding our credit report, and asked that Truist cease and desist derogatory credit reporting as it was fraudulent until they could straighten out our account. EXHIBIT XXXX On XX/XX/XXXX, I emailed XXXX, still having problems with application so I sent him a simplified one with showing our payments and estimated interest. No response. On XX/XX/XXXX, I emailed XXXX to see if he received my email, he responded he had. On XX/XX/XXXX, I asked if we could go over it, he responded it was best to contact loan department at headquarters directly. ** Email correspondence EXHIBIT XXXX On XX/XX/XXXX I spoke with XXXX regarding applications of payment at your headquarters loan department. She understood everything I was trying to explain to her and said she would apply those accordingly. On XX/XX/XXXX I got a voicemail ( which I still have on my phone ) from XXXX detailing that her application of payment created a past due account on XXXX and that she was escalating it to case XXXX XXXX XXXX for them to research further because she knows that it was incorrect cause XXXX to go negative. On XX/XX/XXXX we got a notice from our credit bureau that there was a hard inquiry from Truist bank that we had not authorized on our credit report. EXHIBIT XXXX On XX/XX/XXXX we got a notice from our credit bureaus that our credit score had dropped over XXXX points for a severely delinquent account which turns out to be Truist HELOC XXXX which should have a XXXX balance. We also were removed from access to this account online period by Truist. On XX/XX/XXXX We immediately contacted Truist regarding both of these issues and were told that the XXXX XXXX XXXX XXXX had never been submitted correctly and that they were opening a second escalation ticket of XXXX XXXX. Also they were going to open a separate computer ticket XXXX to get us access back to our account within XXXX hours. It is now XX/XX/XXXX and we have no access to our accounts still.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 after bank was closed I tried logging into my account but it said password incorrect. I tried using user name thats saved on Truist app, but it said incorrect too. Later that night I tried paying for gas but my card declined. I called bank XXXX and was transferred to fraud department. I was told all my accounts ( my sons, daughters and mine ) linked to mine are frozen due to my daughters account having fraudulent XXXX activity. A check on XX/XX/22 for {$4800.00} and a check on XX/XX/22 for {$9800.00} was sent into her negative {$34.00} account and cleared and sent back to the issuer and later found it to be a bad check. The Fraud Dept immediately accused my daughter and said the only way I will receive my monies back is if she provides a notarized letter from the issuers bank stating the funds were good when she received it. My daughter asked me several months ago to close the account due to her account being hacked in the past for small amounts of monies and the bank never gave her back her monies. After speaking w/ the fraud department I went to the bank and spoke w/ a male rep about a force withdrawal for my Social Security on my account that is for my daughter. He told me it takes 24hrs and I could get the funds the next day that is Saturday XX/XX/XXXX, but he is not working on Saturday, therefore I will have to wait til Monday XX/XX/XXXX. On XX/XX/XXXX the male rep was conducting training and referred me to a female rep. While waiting for force withdrawal slip she accused my daughter and turned her screen to me saying this proves she did it. Then I asked to see the signed signature that would be used in court to prove the person did/didnt do the crime. What she showed me was a written initial XXXX and the rep said see this looks like a childs signature. Then she went on to say she sees this all the time where teens are on XXXX and someone approach them virtually trying to be their XXXX XXXX. I asked why I wasnt alerted and she couldnt give me an answer. I asked after allowing the XXXX check to go they why did you all allow the XXXX to go they and why didnt you all see that she has never received a lump sum not even {$1000.00}. She said they cant do that because its discrimination. I was appalled and couldnt believe the lack of professionalism, and negligence on their behalf. She told me the accounts will remain frozen then they will close them, take out the total amount of both checks totaling {$14000.00} and if there are monies leftover in my accounts they will send me a check XXXX the remaining balance. After 40min lecture I asked for a copy of the checks and completed the force withdrawal. After my daughter got out of school I asked her about it again and she said she dont use that account and hasnt used that account and said she thought the account was closed since she asked me to close it months ago. The next day XX/XX/22 I made a police report. My frozen checking account has {$1100.00} and my sons checking account has {$11000.00} and his savings has $ {$1000.00} The majority of my sons money is from the gov FAFSA & pell grants. I called today XX/XX/22 after speaking with his student loan officer and XXXX XXXX XXXX XXXX XXXX asking for a force withdrawal of his FAFSA monies and the fraud dept said they dont have access to the account in real time, but he will put in the request and it will take til tomorrow XXXX XXXX or Monday XXXX XXXX since they will be closed for XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Problem when making payments
Subissue:
Consumer Complaint: Back in XX/XX/XXXX I had installed a walk in tub. It is being financed through Service Finance company. My payments are $ XXXX until payed off. I just received a bill for next payment BUT it struck me as odd because I am ahead on my payments. From my calculations & from my review of my bank account on a couple of occassions I made XXXX payments in a month time, on more then one occassion. I have complained to the company before about their poor tracking system. I have also requested copies of my cancI am looking @ my statement I was sent & there is a huge discrepency with when my payment is due. I am also contacting the bank for copies of my cancelled checks. Yet in reviewing my past bank statements, your company is double dipping & NOT current with all my payments already made. ( this message sent to company ) Again I am requesting copies of my cancelled checks becauxe in the memo section I write my account # & the date payment is for. Here is what I see thus far : I started in XX/XX/XXXX. XX/XX/XXXX XXXX # XXXX was cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX Check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX check # XXXX cashed on XX/XX/XXXX ( this is XXXX payment made in XX/XX/XXXX ) check # XXXX on XX/XX/XXXX ( this too is second payment made in XXXX ) Check # XXXX cashed on XX/XX/XXXX So as you can see there are some months were I paid x2 & so your records are incorrect & * wjhen I get the cancelled checks back from the bank it will prove your error in billing & that you are double dipping & overcharging me. Therefore just w/ this proof of your incompetence I am filing a complaint with the FTC on your company for this mismanagement & double dipping & over charging me on more then one occasion. So I strongly recommend you re-educate your billing personnel & I strongly suggest you get your records in complete order & compliance because even now the bill I received is for XX/XX/XXXX payment!!! XXXX XXXX XXXX # XXXX checks from the bank as in the memo section I write loan # & payment month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A