Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I purchased a XXXX XXXX XXXX. I shared my experience with XXXX. It was not mentioned at all during the sales process, by the finance head. I traded the XXXX XXXX XXXX. As requested, I called XXXX to get the pay off amount. The Accountant was on the phone with me. We both talked with XXXX representative. My account was in good standing. I had no past due balances and owed no payments to XXXX. I drove off with my new vehicle which I have now and pay my car note on time monthly. On XX/XX/XXXX, XXXX 's XXXX XXXX XXXX delivered a check in the amount of the Pay Off quoted to myself and XXXX 's accountant to XXXX. XX/XX/XXXX XXXX deposited the check. XX/XX/XXXX, I received a " Past Due '' car note bill from XXXX stating that I owed XXXX an additional {$220.00}. and change. I immediately drove to XXXX 's and met with the Accountant who was not happy with the bill. We called XXXX. Spoke with a representative who did not have authority to look at accounts. The XXXX 's Accountant had a copy of the check ( both side ) emailed to him and shared the date the check was hand delivered and deposited. I went ahead and paid the alleged balance and requested a letter from them stating the the balance was paid in full. XXXX 's cut a remembered me right then and there. XX/XX/XXXX, XXXX charged my credit card an additional {$16.00} as payment for a late phone. My bank retrieved that money back. I then found that XXXX posted on the 3 credit bureaus reports that I was late paying my account for 60 days. I have proof that I am never late with my car payments. My bank statements show that I paid my monthly payments on or before time. I have sent XXXX XXXX XXXX copy of the Pay Off check and documentation of the monthly payments listed on statement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37206
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: Managing an account
Subissue: Banking errors
Consumer Complaint: When Truist purchased BB & T, my account was suddenly transferred to the name XXXX XXXX. XXXX XXXX was originally on the account, but had been removed when he was fired. At no point was he the primary accountholder ; that has always been me. I have made multiple attempts to address this. I called online banking and was told it had to be handled by the branch. I went to the branch, and this initiated a sequence of horrific errors by the incompetent and unwilling bank manager, XXXX XXXX. XXXX initially refused to help at all, saying that this was a matter for online banking. She did not care that online banking had sent me to the branch. She simply refused to help. This resulted in a delay in resolving the problem, as I did not know what else to do. When I finally went into bank again to attempt to resolve this matter ( XXXX again refused to help via email or phone, this time telling me to come into the branch ), I was told by one of her employees that he would have to shut down my checking account and open a new one. I asked if he would preserve my online username, and he assured me that he would. He then proceeded to close my account and open a new one. It immediately became clear that he had caused my username to be canceled, and upon calling technical support it was confirmed that this was entirely his fault because he did not follow proper procedure. XXXX blanket refused to take responsibility for the banker 's error. She does not see errors made by her bankers as her responsibility. She reiterated this in emails following from the problem that was created on this day ( more below ). Worse, this did not get XXXX 's name off of my account. It still shows up as if he is the owner. XXXX has not taken this seriously, treating it as either not an issue at all, or not her issue. She indicated that she would follow up, but not only has she never done so, but when I have attempted to do so she is dismissive, unhelpful, and makes clear that she has made XXXX effort to correct the issue. Even worse, a month later I received overdraft charges due to the " closed '' checking account billing my credit line ( since the closed checking account 's fees had not been paid, as it was closed and should not have had fees ). Once again, XXXX refused to be helpful. Only upon threatening to report her to CFPB and potentially take her personally to court did she make any effort at all. She asserted that this was not her responsibliity ( even though she had taken over handling the closing of the checking account and even though it was her employee that initiated the matter ). After fighting with her for several emails where she proclaimed she was not responsible for her error and that I would have to call online banking ( which I had already done and who had already sent me to her once again ), she finally claimed that she made sure the account was actually closed this time and that my fees were reversed. This did not happen. I don't know if XXXX did not bother to take action, or if she does not know how to take the appropriate action, but she made very clear that she is not competent enough to be a bank manager. It is not clear if she has even acquired a XXXX To top off her XXXX she was extremely rude and blamed me repeatedly for her errors. XXXX has made clear that she not only has no interest in the affairs of individuals banking at her location, but that she is willing to actively take advantage of them to do so. It is likely that she is involved in criminal matters and using the bank as her cover. She made clear that she felt no compunctions about stealing from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I deposited cash money in my account it didn't post to my account until Monday. I was charged {$36.00} for an overdraft of {$3.00}. Then it continued through out the week where Truist rearranged my transactions each time resulting in {$3.00} XXXX to incur an overdraft charge. I have asked them to take this overdraft off of my account XXXX XXXX XXXX refused to remove it. Stating that Ive already receive a courtesy removal of overdrafts which was the same thing. Being charged for Truist rearranging charges to incur a fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 299XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a call from the bank ( Truist ) on XX/XX/22 asking if I requested that a new debit card be sent to new address. I said no. I called the bank back and they said they did not make the call, and they referred me to their fraud department, the lady said she would put a note on my account but at that point there was no unusual activity. Then I got a call from someone ( at the same number I used to call Truist ) saying that they were following up on my fraud incident ( the name was XXXX ) and then he sent my an authentication code via text and asked me to read it to him, then to the best of my memory he asked me to enter my pin via by typing the pin into my phone ( and that for security reasons, he wouldnt ask me my pin. ). He then said he would look into the situation and follow-up and that a new card would be sent to me. He called back on XX/XX/22, following up, saying before he could assist he needed to send me an authentication code to verify my identity. I read the code to him, then he asked if I wanted the card sent to me overnight. He said I could continue using my existing card until I received a new card in the mail. I told him no, because I wasnt going to be home and didnt want the card to sit outside. He then said oh are you going out of town ( I thought that was weird ) and I said no. Then he assured me the card would be sent, and we hung up. Then overnight I had multiple cash withdrawals, transfers and a debit purchase. Money was taken from both my checking and savings account. I have entered a claim with Truist Bank, went to the bank to open up a new account and I called the police to file a report, but they say I need proof of the claim from Truist before they could move forward with the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I held an account with Truist for over a year prior to my enlistment in the XXXX and stopped using the account in XX/XX/XXXX without realizing there were still several autopayments being charged to it. I paid off the amount and attempted to stop payments and close the account around XX/XX/XXXX, both had been clearly ineffective as I continued to accrue a negative balance. I made numerous attempts to contact the company but would be immediately hung up on rather than connected to an agent. I paid the account off and froze my card. I continued to call them and finally got through to an agent to close my account around XX/XX/XXXX. I have an XXXX XXXX of {$170.00} on XX/XX/XXXX in my XXXX XXXX account to my Truist account to pay off my debt. I have since received 3 debt collection letters for the amount of {$160.00}, with the last two being sent on XX/XX/XXXX and XX/XX/XXXX. After the first letter, which I can not recall when I received, I called the company several times until I got back to an agent who confirmed for me that the debt was settled and that I could ignore the letter. I can verify the account is closed by my inability to access the account, and their phone system being unable to verify the account number when the number is spoken or typed into the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: I held a private vehicle loan with Truist Financial Bank holding Company, headquartered in North Carolina. The loan value was for {$36000.00} for a XXXX XXXX XXXX. On or about XX/XX/XXXX, I refinanced my home and paid off the Truist Loan in full. After waiting approximately XXXX month, I realized I never received my title / lien release. I contacted Truist on or about XX/XX/XXXX to inquire about the missing title. I was advised that the title was mailed on XX/XX/XXXX. However, it was never received. I requested a new copy of the title on that same day to which I was assured that a new title would be forthcoming. On XX/XX/XXXX, I still have not received the title as demanded and contacted Truist. They showed no record of my calling on or about XX/XX/XXXX and had no record of a new title being mailed. I have now requested a new title to which Truist representative advised they could only provide a release and I will have to visit a local Department XXXX XXXX XXXX to have a new title issued. This is absolutely absurd and a predatory consumer issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Every month for the last 2 years, my bank account receives {$100.00} that can't be explained. I've asked them, they say they don't have any explanation. Three days later the correct amount returns. Well I put it to the test and withdrew XXXX from that account. Now I'm showing XXXX in my account. They've been using my account to launder money in my opinion for some reason. Why else would they do it? If I contact Truist Bank it takes over an hr. to get through or they close the phone line down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2022-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I got a email stating I was denied but when I was in the bank the banker told me I was approved for a credit card
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: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: After months of dealing with this bank refusing to communicate, then finally having them pay me the bonus they owed me, they took {$48.00} dollars out of my bonus check for fees the accrued while illegally not closing my account after being asked to... they sent me a check that removed those fees from the balance before paying so no balance remained .... their collections department is now sending me paperwork in an attempt to collect a debt they do not legally have any right to, nor is it even owed. This bank must cease and desist all communication with me henceforth or shall be taken to civil court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/22 I deposited two insurance checks from XXXX warranty company into my Truist business account for automotive repairs for two of their clients that we were performing repairs on in the amounts of {$560.00} and {$1000.00}. ( I have deposited multiple checks from this company prior with XXXX issues ) On XX/XX/22 I saw that the funds were now removed from my account by Truist and placed on an administrative hold for doubtful collectability and not set to release until XX/XX/22 ( unacceptable ). I contacted Truist by phone to rectify and they did nothing to assist me and denied explanation of why the hold was placed to begin with. I then went to the branch and spoke with the branch manager XXXX XXXX. She told me that the bank that issued the check reported to Truist that the check was doubtful. I contacted that bank and they verified that the check was good and had actually already been paid/cleared on XX/XX/22 and that they never transmitted anything to Truist about their being an issue with the check to begin with. XXXX then called the bank herself and also verified it and proceeded to manually remove the hold ( the same hold she said she couldnt remove and that nobody had the power too ). I ended up losing that companies business because of the wait on repairs due to the holds. Then on XX/XX/22 I deposited another of a different customers personal checks for {$870.00} and again another administrative hold doubtful collectability not to be released until XX/XX/22 ( again unacceptable for me being a small business ). I returned to the same branch XX/XX/22 and spoke with XXXX again at which time she spoke the same lies about the other bank transmitting that the check might not be good and then added that now, even if she does verify she isnt able to remove the hold this time. I drove XXXX XXXX down the road to XXXX XXXX and was instantly able to get written signed and stamped proof from the branch manager that not only did they never transmit anything to Truist but the check had already been paid/cleared on XX/XX/22. I returned with the proof to XXXX and she verified it as authentic by emailing XXXXXXXX XXXX and they again confirmed. She then once again removed the non-removable hold. In summary I lost {$140000.00} of yearly business from XXXX holders the first time, and I lost almost an entire day of work the fist and the second time. In addition the Expedited Funds and Availability/Regulation CC was violated because I was never given an actual reason for the suspected doubtful collectability as required by section 4002 of chapter 41 and was denied this by the call center, the call centers supervisor, 4 different Truist employees and the branch manager which I requested in writing. This is an ongoing situation apparently and I have not at this time had a resolution going forward or any form of compensation for my loss to which I will be seeking legal counsel if not correct appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32159
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A