Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Truist Bank is punishing me because I refuse to open a bank account with them so that they will allow me to pay my mortgage online. I have paid my mortgage the same way every month for well over a year, via online bill pay through XXXX XXXX directly to Truist Bank, and I just received an email from Truist Bank that says that I have not paid my mortgage for this month. That is not true and I have the receipts to prove it from XXXX. I'll attach them to this complaint. Truist is just trying to punish me for not opening a bank account with them in order to pay my mortgage. There is no way to contact Truist bank via email to resolve this matter -- only via a XXXX number that will undoubtedly go unanswered and I will not have written proof of anything that was said during a call. This better not hit my credit, and this is happening often enough that I consider it harassment at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am a former Truist customer and I recently moved. I would like to receive my XXXX as I believe my sign-up bonus may be counted as income on this document. I attempted to call to update my address. Truist will not supply it to me online and they refuse to update my address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: Since my loan was reworked there has been a lingering {$72.00} fee that is simply an " Other Fee '' and those I have spoken to have told me to just ignore and when pushed for info tell me I need to speak to another department that seems to never answer the phone despite multi-hour wait times even when another agent tries to transfer you there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: In XX/XX/XXXX, I was charged multiple overdraft fees by Truist Bank which were compiled upon one another resulting in a total of {$210.00} in overdraft charges. The charges were auto-payments that came out around the same time. I had no idea I was assessing any overdraft charges, as I did not know my account had reached the 0 limit. The reason I found out was, I went into my email account on XX/XX/XXXX and realized I had an email from Truist with the subject line saying Overdraft fees. When I was informed via email regarding overdraft to my account, I went to log into my account and was unable to see any of the charges. I then called Truist and a representative came on the line. I let her know I could not see anything in my mobile app or on my desktop- an error message kept displaying ( I did not screenshot this message at the time as I did not realize I was going to be in a fight for my money ). So she began to read all of the charges to me over the telephone. I was informed that my account was negative XXXX which shocked the shoes off of me! Furthermore, she informed me that the bonus my employer had issued to me had been completely garnished to satisfy this negative balance and I still owed {$120.00}. I was blindsided by all of this news, to say the least! Within 3 days, I was charged XXXX overdraft fees of {$36.00} each. This is above and beyond excessive and I asked to have these fees removed. I was informed that I had one overdraft fee removed in XX/XX/XXXX, so I was ineligible to have any overdraft fees removed and Truist will be keeping all {$210.00} in fees. I then went into a Truist location on the same day ( XX/XX/XXXX ) and the tellers agreed with me wholeheartedly regarding how excessive the fees were. There was a teller and a supervisor who both helped me and filed a formal complaint for me with Truist. They said it really isn't right how much I was overcharged and they could tell by looking at my account how the fees were piled on each other. I also showed them my phone so they could see how I was unable to get any information from the app, so I never could figure out what I owed, from where nor how much. Once the formal complaint was filed, I was also counseled on what next steps I should take while awaiting the result of my formal complaint, which basically was to wait and see what they would say. The tellers wished me luck. I was then contacted again on XX/XX/XXXX at XXXX by a representative from Truist Bank stating that my complaint had been denied and I would not be receiving any of my overdraft fees back. This has brought me to the CFPB on recommendation from a teller, because she agreed that the amount of fees I was charged is quite egregious and encouraged me to do all I can do to retrieve my bonus. Dates : XXXX OVERDRAFT FEE - {$36.00} XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00} XX/XX/XXXX OVERDRAFT FEE - {$36.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21236
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: am writing yet a 3rd time to formerly dispute and request the removal of unauthorized hard inquiries on my credit report, which I believe were made without permissible purpose and in violation of my rights as a consumer. These inquiries have adversely impacted my credit report and may affect my credit worthiness. I kindly request that you investigate these inquiries and take appropriate action in accordance with the FCRA specifically under U.S.C. 1681b ( PERMISSIBLE PURPOSE ). DETAILS OF INQURIES LISTED : XXXX XXXX XXXX REGIONAL ACCEPTANCE XXXX XXXX XXXX XXXX. I believe that the inquires made by the aforementioned organizations were made without permissible purpose as outlined in the FCRA specifically 15 U.S.C. 1681b my interactions with the organizations involved clear communication that I authorized a single credit check a specific purpose. The purpose include but are not limited to credit transactions employment background checks and account reviewed by existing creditors. The organizations in question did not have permissible purpose to make multiple hard inquires without my consent as these actions are not authorized by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Details of an Elaborate Scam Involving Check Fraud On Wednesday, XXXX XXXX XXXX XXXX I was approached by XXXX XXXX ( XXXX ) XXXX from XXXX XXXX XXXX. He informed me that my resume on XXXX and I had piqued his interest and he believed I would be an excellent fit for a data entry role with flexible hours. He advised me to contact XXXX XXXX for an interview. Following his advice, I reached out to XXXX and underwent various procedures. The interview took place on XXXX XXXX, a platform that XXXX had suggested I download. During the interview, XXXX asked me about my background and subsequently offered me the job. She informed me that I would receive a check to purchase the necessary equipment for the job and that training would follow. Two checks were deposited into my account. For the first check, amounting to {$2000.00}, I proceeded to cash the first check using my mobile banking app. Next, I was directed to contact XXXX XXXX via XXXX and send him the remaining {$1500.00} as a friends and family payment, which resulted in an additional fee of {$43.00}. XXXX assured me that I would be reimbursed for this fee. Once I confirmed that the money had been sent, she issued another check for {$2000.00}. However, the funds did not immediately appear in my bank account. My bank subsequently contacted me, alerting me that my account was under review for potential fraudulent activity. This occurred after the first check had cleared but during the processing of the second check. During this time, Im uncertain whether the XXXX transaction went through, but I do know that the XXXX transaction for {$1500.00} was successful. This resulted in a deficit of over {$1000.00} in my account and recurring overdraft fees. My bank account is currently locked, and Ive been informed that it will remain so until the deficit is cleared. Only then will they proceed with an investigation. This has left me in a precarious situation. The initial check bore the routing confirmation number XXXX. However, this was subsequently removed from my account due to the check being deemed invalid. It was a disheartening revelation to learn that the check was, in fact, counterfeit. This unfortunate incident has further complicated my predicament. Under their guidance, I executed an email transaction of {$500.00}. The recipient of this transaction was identified as XXXX XXXX, reachable on XXXX XXXX. This particular transaction was distinguished by the reference number XXXX, serving as a unique identifier in this intricate web of financial exchanges. This added yet another layer to the unfolding narrative of this complex situation. I was instructed to execute a transaction via XXXX, amounting to {$1500.00}, to a certain XXXX XXXX. This transaction was to be conducted through XXXX, with the recipients email being XXXX, under the name XXXX XXXX Upon completion of this transaction, I was to provide XXXX with a confirmation code. The transaction bore the ID number XXXX and was for the sum of {$1500.00}. A few days later, on XX/XX/XXXX at XXXX, XXXX inquired about the status of the XXXX payment. I informed her that it was still pending. She then communicated to me that the software vendor required additional materials for a duration spanning six months to a year. To facilitate this, she would send a check for {$2700.00} to my account, which I was to deposit and use to pay for these items. Upon receiving an alert from my bank, Truist, I informed her that the deposit of {$2700.00} had been received. However, the funds would not be available until the next business day. Despite this, I proceeded to deposit the check into my account. XXXX later requested another screenshot of the XXXX payment, which had not gone through. Similarly, the XXXX transaction was also unsuccessful as my bank did not approve it. Despite this, my bank locked my account and approved the transaction anyway, resulting in my account going into deficit. I contacted my bank and was informed that the checks were fraudulent. When I relayed this information to XXXX, she insisted they were not. Since then, I have not heard back from her. I informed her that the checks were fraudulent and that my bank account was locked, but to no avail. This has left me in a precarious situation, grappling with the consequences of these fraudulent transactions. I was told by Truist Bank customer service representatives that my account would not be charged since the account was frozen meaning no one would have access to it including myself. I spoke with the supervisor who ensured the same thing. After the money was deducted, I called the fraud department and they said they would not investigate anything until I paid XXXX. I followed up with several emails to the fraud department and I went to the local Truist and provided all the information. They would not provide the local representative with any information regarding my account. Now they are threatening to send my information to XXXX XXXX and XXXX XXXX to further complication my financial situation if I dont pay them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 239XX
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I previously filed a CFPB complaint about this issue. My complaint was supposed to be handled by XXXX XXXX at Truist. XXXX never responded to my complaint. I believe XXXX has violated the 45 day rule. Truist applied for a different type of line of credit than what I was told I was being applied for. I showed up with funds to create a secured card. They applied me for something entirely different and they have cause harm to my credit report. They have disregarded my first complaint and refused to make corrections to my credit report. Truist refused to communicate with me during this complaint process. They never attempted to resolve the issue. They actively ignored my emails and calls and voicemails. XXXX Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Electronic communications
Subissue: Frequent or repeated messages
Consumer Complaint: Attached are the quotes and a paid ( {$69.00} ) diagnosis where on XX/XX/ by XXXX XXXX XXXX XXXX issued to me. See below The diagnosis states that the SYSTEM need to be replaced. The quote on XX/XX/ which was given to me since I was not issued a hard copy of the contract that was on XXXX XXXX XXXX WHERE i WAS NOT ABLE TO SEE THE DETAIL. He promised to return to inspect the installation with me and provide me with a hard copy to no avail. I waited for him for XXXX business days, and he did not call or return as he promised. The XXXX XXXX CONTRACT DOES NOT REPRESENT WHAT THE XXXX XXXX recommended, and the quote XXXX XXXX emailed me on XX/XX/. Any contract that is incomplete, misleading and misrepresents the facts of the quote and the diagnosis issued to me by two YES XXXX representatives is NULL AND VOID and not binding due to FRAUD. The contract was also canceled on XX/XX/. **************************************************************************************************************************************************************** A licensed Carrier Dealer and contractor was not able to determine from the XXXX XXXX scope of work what was installed in my home on XX/XX/ AND noted missing information. See below. NOTE : No mention in the Home Depo documents do I see a full model number, it does state HEAT Pump but gives an AC Condenser Model Prefix 24SCA, & for the XXXX XXXX furnace it gives a model prefix for a gas furnace 80 % AFUE 58SC1A, this is a LoNOx model furnace. XXXX XXXX documents does state it is XXXX BTU Cooling but doesnt provide what amount for BTU Heating, nor an evaporator coil model that I could find. Existing installed models would need to be verified prior to purchase. ********************************************************************************************************************************************************************* So we do not know if I have an electrical furnace vs gas furnace FROM THE XXXX XXXX CONTRACT. I was not informed about any installation or purchase of an electrical furnace. A gas furnace is what I was expecting. If a license Carrier Dealer Contractor can not determine from the contract what was installed how would I as the homeowner know what was installed and understand the contract. The owner manuals were not given to me and now I find out XXXX XXXX has registered with CARRIER the units installed on XX/XX/ which is not the correct date. I am a XXXX senior ( suffer from cataracts ) and it is beyond belief, reprehensible and against ELDER LAWS for XXXX XXXX XXXX XXXX to engage in fraud for financial gain. This is exactly what XXXX XXXX XXXX XXXX IS ENGAGING in my opinion to my detriment. The definition of FRAUD Fraud Definition & Meaning Merriam-Webster https : XXXX XXXX fraud The meaning of FRAUD is deceit, trickery ; specifically : intentional perversion of truth in order to induce another to part with something of value... Civil fraud is when the fraud is an intentional misrepresentation of facts. cc : CTFB ( XXXX Government ) -- -- - Forwarded Message -- -- - From : XXXX, XXXX XXXX To : XXXX XXXX Sent : Thursday, XX/XX/ at XXXX XXXX XXXX Subject : XXXX XXXX XXXX XXXX XXXX XXXX Good day XXXX XXXX I have attached invoice XXXX for date of service XXXX for your records. If you have any questions, or need XXXX out for service XXXX, XXXX or XXXX, please feel free to contact us anytime @ XXXX. I wish you a great day! XXXX XXXX Accounts Receivable Clerk XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX Customer Service Dept. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Check Us Out - Our Website!- Click Here Download all attachments as a zip file XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX ) .pdf XXXX XXXX Scope of Work XXXX XXXX ) .pdf XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92821
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I received XXXX separate emails from Truist saying my mortgage payment was not received. I then received an email that my mortgage was current, as I did make my XXXX payment. But after receiving an apology email from Truist at XXXX XXXX today, I then received another email ( the 10th email ) at XXXX XXXX notifying me my XXXX mortgage payment was not received. Even though I have confirmation from my bank that the payment did post on XX/XX/2024. I attempted to call Truist but encountered long hold times so I didn't have time to stay on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Truist repeatedly mails me letters falsely telling me my mortgage payment is late and threatening to report me to credit bureaus. I have asked them to stop several times and they refuse to. It should be noted that my mortgage was originally entered into with BB & T, not Truist, so I never had a choice when BB & T merged with SunTrust to form this new bank. But BB & T never sent me these threatening letters. Only Truist has done this. I have never made a payment outside the grace period, so Truist has no legal basis to report me and is therefore making baseless threats and false statements. I just paid my mortgage on Friday, XX/XX/. I thought that by making a payment a little earlier ( although I have always paid within the grace period and I have every right to use every single day of that grace period ) that Truist would stop harassing me. Instead, Truist has emailed me three times this morning ( so far ) to falsely state that my mortgage payment hasnt been received. This is unnecessary harassment. Clearly, Truist is trying to annoy me to force me to make my payment on the first of each month even though I have a grace period every single month per the original note. Truist is using this pressure tactic and sending false, unwanted emails in an attempt to make me forego my rights under the note. I am sick and tired of the treatment I receive from Truist and would refinance with someone else if the mortgage rates werent so high right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A