Date Received: 2022-10-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Sheffield Financial claims I owe over {$12000.00} for a XXXX. Sheffield also claims the date of deliquency started on XX/XX/2016. However they have failed to provide the date of LAST ACTIVITY or the date the last successful payment was received.Sheffield has also failed to provide a full accounting of this debt which I have requested numerous times. Therefore, I am again requesting a full accounting of this deb, including the payment history and how this debt increased from {$11000.00} to {$12000.00}. I have been locked out of receiving this information online. I have attached the small claims lawsuit I am filing today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
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: 2022-10-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist Bank purchased my mortgage. I am receiving spam e-mails daily that do not have an option to unsubscribe. I have called to directly request removal from their e-mail list but they can't seem to figure out how to remove me. I am done wasting my time on hold trying to get this figured out. Banks with such poor service should not be in business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a wire transfer from a client for the buy of my old truck of the amount of XXXX on the date of XX/XX/2022 After that I was using my money and then 2 weeks later they block my account and they say the wire is not good but I have the receipt and everything from the customer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a savings account with Truist on XX/XX/XXXX and over the weekend I received a letter dated XX/XX/XXXX that they closed my account and effective immediately. I visited the Truist location I created the account on XX/XX/XXXX, to find out the exact reason why. They said they will call tomorrow instead of handling it that day. They gave me a number to call and I was left on hold for 2 hours without any wait time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I CAN NOT BELIEVE WHAT I AM SEEING ON THIS BANK STATEMENT. IF IT`S NOT ONE THING IT`S ANOTHER. FIRST OF ALL, YOU SAID THAT YOU WERE OVERPAYING MY ACCOUNT FOR FOR MY PROPERTY TAXES, OUTSIDE OF MY MORTGAGE MONTHLY PAYMENTS BEING AT {$1600.00}. MY FIXED RATE OF XXXX XXXX XXXX AT {$1300.00} & PROPERTY TAXES AT {$250.00} = XXXX YEARLY THAT`S $ XXXX {$1600.00} XXXX {$120.00} OF A OVERPAYMENT. NOW YOU STATING THAT I HAVE A ESCROW NEGATIVE BALANCE OF $ XXXX YOU CAN NOT ADD TAXES OF LATE MORTGAGE PAYMENTS TO A ESCROW. THE ESCROW IS FOR PROPERTY TAXES WITH NO PMI. AND THAT {$120.00} SHOULD HAVE BEEN GOING INTO A SUSPENSE ACCOUNT FOR YEARS NOT THE ESCROW. YOU STATED IN ONE OF MY COMPLAINT`S THAT YOU REANALYZED MY PAYMENTS DOWN TO {$1600.00} WHICH WAS INCORRECT, MY FIXED PAYMENTS HAVE ALWAYS BEEN {$1600.00} LIKE YOU WERE DOING ME A FAVOR BUT WERE NOT. MY PAYMENTS CHANGED IN XXXX TO {$1700.00}. WITH THE OVERCHARGE OF THE YEARS SINCE XXXX. {$120.00} X XXXX = {$1400.00} = {$14000.00}. HOW CAN I HAVE A NEGATIVE ESCROW FOR SOMETHING THAT WAS NOT GOING INTO ESCROW, NOT PMI OR PROPERTY INSURANCE? YOU DELAYED THE PROCESSING OF MY PAYMENTS NOW IT`S LIKE MY FAULT FOR MISSING THE PAYMENTS. A CLIENT CAN`T JUST CALL YOU AS A BANK TO FIX ISSUES WITHOUT FEELING ALIENATED.
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: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XXXX purchased a puppy from a breeder, no paper work was provide, didn't have to sign anything. The breeder was pushing puppies with no paper work, the breeder preferred cash but told the merchant I would only pay with credit card to protect my purchase. Took my pup the next day to the XXXX, and my puppy was very sick. He had XXXX due to XXXX infestation and in poor health, i spent over $ XXXX and countless XXXX visits to bring this pup back to good health as he was so sick and i was afraid he would die. I placed a dispute with Truist who is the issuer of my credit card. I submitted 32 pages of documentation from my XXXX along with USDA paper. The charge was for {$1700.00} ; after a few weeks Truist credit my account, and I was told that the credit would remain permanent and that the investigation ruled in my favor. Today, I received an email from Truist to advise me that the credit has been removed from my account and that the merchant provided document evidence to support their charge of {$1700.00}. i reviewed the paper work supplied by the merchant and the receipts are NOT in my name, they are in other people 's name, address, and phone number. Confused I contact Truist and they told me the merchant repre 'd with documentation, and even though it does not have my information listed, i am still responsible. I was sick to my stomach knowing my bank can hold me accountable for someone else 's purchase!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022 at XXXX a checking and savings account were opened up online with Truist/SunTrust Bank using my social security number. I was told by a banker at the XXXX, PA branch that ppl are able to create an online account and skip the upload ID step. An hour later, at XXXX on XX/XX/2022 money from my XXXXXXXX XXXX checking account has been transferred into these Truist accounts ( {$50.00} into savings ; {$1900.00} into checking ). I have called fraud at both banks. I am extremely upset and cornered that no ID was needed to create an online account with Truist and this fraudulent person was immediately able to start transacting funds. There should be a period of time where the accounts are reviewed for actual ID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19007
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: Terms during covid went to simple compunded daily interest with little to no notification or explanation. It was essentially raking advantage of their customers during the deferment periods as stated in the terms. I want the interest forgiven and applied to my principal balance on my Truist ( previously XXXX ) XXXX # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist took over servicing of mortgage at the beginning of XXXX and I could not register online and setup autopay after all documentation received said to go online to register. Required me to call in and wait for over an hour for them to help me setup online account and was told online setup was not possible without calling them. Submitted payments at the end of XXXX and it took several days for any of them to be reflected online with confirmations or in account history so I submitted a few times. Upon processing all of the payments, payments were not processed as payments of principal. So even if paid ahead, they are not reflected as such and apparently interest is just being held for fun in advance of being due rather than being applied to principal. Spoke with Truist today XX/XX/XXXX and they said they don't care and will not apply any additional payments toward principal unless I specifically tell them so even if no interest is accrued. So if I pay my mortgage early they will not reduce principal and hold the payment UNTIL it is DUE and only apply it based on the payment schedule so effectively a prepayment penalty. That has never occurred in any mortgage that I've ever held and absolute XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98126
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: This is in regards my Truist Money market account ending in XXXX. On or around XX/XX/2022 I noticed that there was an administrative hold in the amount of {$8800.00} on my funds. I called Truist to find out why. They gave me a number to call. That led to speaking with someone at a lawyers office, XXXX and XXXX who said it was a garnishment, scheduled for XX/XX/2022. After communicating with them several times they decided to dismiss the garnishment. After I received the documents, I took them to my branch on and around XX/XX/2022, showed them legal documents that shows the dismissal. I was still told they wont be able to release the funds to go back into my account. so they cant do anything before XX/XX/2022. I noticed yesterday that Truist paid this lawyers office on XX/XX/2022 in the amount of {$8800.00}. I need assistance getting back my {$8800.00} back into my account. XXXX and XXXX dismissed the garnishment but TRUIST STILL gave them over {$8000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A