Date Received: 2022-11-09
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was invited to Open my Trust account at Truist Bank After making an appointment with the Bank Manager I was advised after I would recieve a call after the FINANCE TEAM has reviewed my documents. ALL of My documents are Authenticated and on County Records and I was told after I continued to call and ask why was it taking over XXXX weeks when it only takes about XXXX days for documents to be approved. The day I call and express to the Bank that I am feeling disscriminated against as I felt the same day I took My DOCUMENTS IN TO BE VIEWED I asked if there was any type of preference due to the way I was questioned about my account. once The treat to contact CFPB and XXXX the next day I am denied an account all due to BIGOTRY AND DISSRECMINATION AGAINST ME AND MY TRUST. I was treated with the utmost dissrespect and when speaking of the misstreatment of the Bank I am then turned away. I know my personal information has been used for its SOURCE DATA AND I expect this matter to be looked into and resolved as to the bigotry i experienced there will be legal actions propsed against Truist Bank. after holding and looking into my private paperwork and if it was not up to par then why would it take over XXXX weeks to say that it could not be opened? please look into this asap
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76208
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: I deposited two Cashier 's Checks in my accounts. The bank ( Truist Bank ), closed the accounts, yet, continues to withdraw funds from the accounts for it's sole purpose. Enclosed. Letter sent to the bank Dear XXXX XXXX, As you will recall on XX/XX/2022 ; you, XXXX ( Operations Manager ), XXXX XXXX, and I met in your office to discuss me getting my money out of Truist Bank. Until this day, no one gave me an explanation why, I cant have access to my account, and yet, the bank continues to deny me access to my accounts. On or about XX/XX/XXXX, before meeting with you, I met with XXXX who informed me that my money would be released within 24 to 48 hours, all to no avail. Around XX/XX/2022, I received a letter from the bank telling me that Truist has made the decision to close the account referenced above. From XX/XX/XXXX, until about XX/XX/XXXX, the bank refused to talk with me about my account. Instead, each time I called, about 43 times, the bank fed me deceptive lies and confusions. For unknown reason ( s ) the bank continues to block me from accessing my money, yet the bank continues to access my accounts, transferred, debited my accounts, and use the funds for its sole purpose. Then, the banks behavior and activities, at best is fraudulent and unethical? The bank continues to make unreasonable demands of me, and the sources, I received the Cashiers Checks from. The bank Cashiers Checks were cleared. On XX/XX/2022, XXXX XXXX met the banks demands. He emailed the requested documents to you, however, until now, I have not heard about the release of my money. If I do not hear from you by XX/XX/2022, XXXX file complaints with the various banking authorities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33950
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I purchased a house in XX/XX/XXXX ( closing was on XX/XX/XXXX ) and paid $ XXXX by loan from a mortgage company. Late XXXX, I sold our house ( closing was on XX/XX/XXXX ), and I was about pay off my mortgage loan ( $ XXXX ). I knew my mortgage loan was sold to another bank before XX/XX/XXXX by mail from new mortgage bank. I received letters from mortgage companies in regard with my mortgage was transferred between XXXX companies. XXXX was delivered to our house late XXXX ( XXXX XXXX XXXX ), and the other was delivered XX/XX/XXXX from the original mortgage company. According to the letters, my mortgage was sold on XX/XX/XXXX. My original mortgage loan was supposed to be no penalty for early paying-off, but new bank is charging me {$1500.00} for " XXXX XXXX '', according to their pay-off statement which provided me per my request ( I called to new bank to pay-off my mortgage loan on XX/XX/XXXX when our original house was closed ). I received payoff statement on XX/XX/XXXX, I found this " fee '', so I called to the bank and asked what this charge, and a representative of new bank told me that overdraft was charge that I pay off my loan. It sounds like penalty which I would not be charged on the original mortgage. In addition, I have to pay one-month of interest even I pay off 1st day of the month. It supposed to be calculated daily basis as late payment penalty. I decided to go to the bank, and I will discuss with loan officer face to face tomorrow ( XX/XX/XXXX ). Thanks a lot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: I got married and my car was due for registration this past XXXX. I reside in Alabama and originally financed a car ( in XXXX of XXXX ) through SunTrust, now merged with Truist. I have had nothing but hour long holds that end up getting dropped, phone calls for the same issue that never got resolved or was told multiple things for before prior to this issue I am filing a complaint for now. I went to my local DMV after being advised by Truist that I had to bring my updated marriage license and drivers license ( for my name change ) to the DMV ( since I do not live by a local branch anymore due to me being in the military ) so that they could send that along with a title request to Truist. XX/XX/XXXX was the first request sent over to Truist. It has now been sent over a total of SIX times from then. In the state of Alabama, a temporary tag can only be issued a total of 3 times. My last temporary tag expired on XX/XX/XXXX. I can no longer LEGALLY drive a vehicle that I am paying for. I went in for my second temporary tag on XX/XX/XXXX after calling the DMV and was notified that they had never received anything from Truist. I figured that it would take time and that maybe another month this issue would be resolved. It was faxed to a XXXX number AND a XXXX number after confirming with Truist the " correct '' fax number which was the first one listed. I let another month go by believing that the issue would surely be resolved. It was not. I went in for my third temporary tag on XX/XX/XXXX and was advised to call Truist and that my DMV would try to contact them since we had still sent over a request and never received anything. I called that day and called a couple days after and was told that the department was " 12-15 '' business days behind and to just give it time. Every time I contact an employee, it is something different from each person. The very last Truist representative I spoke to on XXXX XXXX gave me a number to the title center that deals with faxes XXXX. This was the first time after THREE months that she had told me that they had still not received any requests sent over ( a total of 6 as of XXXX XXXX ) and that I would have to initiate a name change request through CORPORATE. Not only has my information been being sent somewhere where no one knows, but this process is going to take " days '' after it has already been months. Every representative has told me there is nothing immediate I can do and that I would have to wait two business days before a manager can reach out to me. I am in a situation that is completely out of my hands. I was told that there was " never any note '' left on my account and absolutely " no record '' of any information sent. I am now losing money because I can not go to work since I can not legally drive a vehicle that I PAY for. I am in the military, along with my husband and neither of us are being taken care of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I lost my job back when the Pandemic started, so I called my mortgage company Suntrust now Truist Bank to do a Forebearance, got it approved for XXXX. I was working with the Home Perservance dept. I signed a legal document/faxed it in on XX/XX/2021 to agree to come off of the Forbearance. My 1st payment started back on XX/XX/XXXX was to be {$590.00} going forward. I was instructed to disregard what the Suntrust Website stated, however I didn't, when i checked the website it stated to pay {$630.00}, so i did. I then called the Home Perservation dept back to inform them of what I actually paid, the Rep said I was only to pay the {$590.00} amount of what I signed for. I have been harassed every since I came off my Forebearance. Now, I have been accused of not paying my mortgage from XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. I have not missed a Mortgage payment since I came off of my Forebearance. Now, my CREDIT SCORE has dropped way down due to the incorrect information. Suntrust/Truist Bank has harassed me weekly/monthly to pay a lot of money due to my Taxes that went up. That is why the website stated {$630.00}. So I had to keep calling the Home Perservance Dept for help, the 2 departments were blaming the other. I was only following what I was instructed to do of the {$590.00}. I then ask then Truist Bank rep if i could pay the Escrow separate in installments, they said NO, so they took funds from each Mortgage Payment that I was making from XXXX thru XXXX to cover the shortgage. Again, I was never late making my Mortgage Payments. I will attach all my Bank Statement to prove I was never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: An electronics funds transfer company called XXXX, has charged me {$200.00} after I tried to send {$20.00} to a friend XXXX. This company works by letting you put in the amount you wish to send and then hit button which sends the money. However this company does not ask you to 'verify ' or " are you sure '' this is what you want to send. As soon as you hit send the transfer is made and there is no way to see what you sent and no way to reverse or correct the charge once the screen says you sent something else. This is what has happened with my transaction but things get rocky from here. XXXX now only works with bank accounts because some banks will authorize a funds transfer without question, whereas a credit card company or other financial institutions will not. In my bank, truist, I only had about {$53.00} in the account, so my question to the bank is, why would you allow for over {$200.00} to be debited? I was told it is the decision of the bank manager or people in a particular branch as to whether or not they will allow such a debt. I called both XXXX and truist within 20 mins of receiving a message that I had sent {$200.00}. XXXX 's response it to say that policy does not allow for mistakes on the part of the sender and once the money is sent there is nothing to be done- this is scam number one. Truist stated that after a week had passed they would begin an investigation to see what if anything could be done. I received a letter today, XXXX, from Truist letting me know that my money was gone because having contacted XXXX, they were told that I did indeed make the transfer and despite not having the money to cover this transaction they could help no further. A bank should not have the right to choose if they will debt your account without first checking to see if the money is available as they do in almost every other instance. XXXX probably has many complaints from customers that have made mistakes and find out there is no recourse. The bank has to be the responsible ones to deny any such request and protect their customers. If funds are not available and they then debt an account in any amount, the burden of the cost should fall upon the bank. I have used XXXX for the past 2 years and I am very careful when sending money. It seems unlikely that instead of typing {$20.00} that I type {$200.00} instead and I certainly at no time verified that amount. I only hope that this can be resolved and that an easy fix to this kind of problem can be implemented by both the bank and any funds transfer company doing business with the public.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27707
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: In XXXXXXXX XXXX, many small charges were being run through my Truist checking account and I suspected hacking. On XX/XX/2022, Truist put a debit hold on my account ending in XXXX and opened a new account ending in XXXX. I have a mortgage with XXXXXXXX XXXX that was paid on the XXXX every XXXX by auotpay. Because my account number with Truist changed, I made my XXXX, 2XXXX payment with XXXX manually using the Truist account ending in XXXX. The payment was processed by Truist on XX/XX/2022. Later in XXXX, I got a notice from XXXX that it was charging my account {$25.00}. I called XXXX and ask why I was charged XXXX XXXX.The representative said that I did not disable the autopay and another XXXXXXXX XXXX payment was sent to the old Truist account ( XXXX ). I told her that my account was hacked and that my account number changed ( XXXX ). She said she could not waive the {$25.00} unless I got a letter from Truist that fraud was involved. The rep at Truist said they are prohibited from issuing fraud letters. XXXX sent the XXXXXXXX XXXX payment by autopay to account XXXX instead of XXXX, causing my XXXXXXXX XXXX payment to be late. When I received notice that the payment did not go through, I immediately paid it manually on XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33410
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2022, I received a Tennessee XXXXXXXX XXXX XXXX debit card which is received once someone applied for unemployment benefits. On XX/XX/2022, I received a letter from XXXX XXXX stating that they could not open a checking account because they could not verify my identity. On XX/XX/2022, I received a notification from XXXX XXXX that I had hard inquiries on my account. On XX/XX/2022, my credit was pulled from both XXXX XXXX and XXXX. On XX/XX/2022, my credit was pulled again by Suntrist XXXX XXXX. None of the incidents above did I initiate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37323
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage transfer from XXXX XXXX to Truist, have tried to get a draft set up and have sent in the form, called NUMEROUS times, I made a paymeny on XX/XX/22 when I saw that XXXX reversed since they turned it over to Truist, I sent in the form and called and was assured draft was set up but now they are taking out Double saying I told them to which is not the case, I can not get a supervisor to contact me to handle this issue, there are numerous notes in the account. I also have another account with Truist and have for couple of years. I filed a complaint with Truist # XXXX, I asked to have a supervisor call me back to get this straightened out, I worked with more than one individual to do it online and due to being a new acct / Transfer it is not allowing and I do not want to get a late payment with any lender. thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75160
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2022 Suntrust XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request XX/XX/2022 XXXX XXXX XXXX - an hard inquiry was made to my credit report. I did not make this request
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44136
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A