Date Received: 2022-10-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never applied for any Auto Loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11226
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I received a retirement check due to hardship from my employer and I deposited it with my bank. Once I started paying off bills which were expensive the bank flagged my card so I went in to the bank and explained what was goin on at which point they closed my account and told me they would send me a check for my remaining amount but the check hasnt came nor can I retrieve my money to pay bills I am about to be evicted homeless with all XXXX of my kids due to this matter. Truist is terrible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2022-10-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: i called XXXX XXXX XXXX XXXX on XXXX and did not allow me to close my account. i also do a chat on the website and they did not close my account on XXXX. they will not allow me to close me account until i travel 2000 miles to a location branch in texas to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92683
Submitted Via: Web
Date Sent: 2022-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX is a XXXX company that imports food ingredients from XXXX to XXXX. XXXX, XXXX. has a business and commercial relation with XXXX XXXX XXXX XXXX CO XXXX, located in XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, for six ( 6 ) years. Our company ( XXXX, XXXX. ) ordered XXXX XXXX XXXX XXXX XXXX XXXX XXXX mt of soy protein which were going to be imported to XXXX. For this transaction we received email`s from ou regular broker ( XXXX XXXX ) corporate`s email address XXXX several false or forfeited instructions. Through XX/XX/2022 to XX/XX/2022, our company was victim in a scam crime using the XXXX official email address of XXXX XXXX, false documents of billss with your companys name a representations, false bills of lading, and several other false documents were issued with the XXXX companys name, logo and other apparent fraudulent impersonation, including opening and managing and account under the companys name in Truist Bank, United States of America. XXXX claims no responsability in the scam, or having bank accounts in the United States of America. We have proof of the above, causing our company actual losses in the amount of US XXXX XXXX USD. Through the period of XX/XX/2022 and XX/XX/2022, our company received a series of emails from XXXX corporate email address in which indicated a change in the payment instructions due to a bank alert regarding XXXX hi risk country statement, reason of which our first payment to the company of US {$29000.00}, -transferred through our regular payment instruction schedule from our account bank in XXXX XXXX XXXX to XXXX XXXX XXXX XXXX returned to our account under that alleged circumstances on XX/XX/2022. After the amount was returned to our bank in XXXX on XX/XX/2022, we received several emails from XXXX XXXX corporate email address giving new payment instructions to our company to an american Bank account in Truist Bank. The beneficiary of such accounts is registered impersonating XXXX XXXX XXXX XXXXXXXX XXXX XXXX After our first payment to such account, false export/import documents were issued, but our company could not have identified them as false, until second payment was already ordered to the same account in Truist Bank XXXX Neither XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX recognize issuing any of the above emails claiming all as false due to a purpoted or eventual hack. At some point after demanding an explanation to the false documents issued, we received an email from XXXX XXXX corporate email, claiming a ransom in bitcoins to fix the wrong payments made to the Truist Bank accounts. No ransom was paid and no further contact was made addressing the matter. We also received an email from address XXXX stating " this is one of the members of the group who intercepted two payments of {$29000.00} and {$68000.00} from an invoice meant for XXXX XXXX XXXX XXXX. We were able to complete this operation with the assistance of one of your company 's insiders. I'm writing to inform you that the second payment is still intact in another bank account in the United States, despite the fact that the payment was held due to suspected fraud transfer by the bank here. Our bank in XXXX is trying to withdraw the transfers with its correspondant banks in the U.S.. Also we alerted Truist Bank through out a branch manager. Since this matter occurred through a Bank in the United States of America, and the US financial system, we are addressing an alert and complaint to the FBI as the authorities in such country.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I'm XXXX XXXX, I need your Help in contacting this company. I made an effort to contact them to find out who had opened an account in my name and why. I'm disappointed that this serious problem is now affecting my credit score. I don't allow anybody to use my name, birthdate, or any other details since it also violates data privacy. They need to identify the person who opened the account in my name and give them the data rather than me. Kindly help me in resolving this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19973
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We notified on Friday, XX/XX/22, that there were questionable charges on our debit card. We informed Truist Bank that we suspected fraud using our company debit card. On Friday, XX/XX/22, I disputed with the bank regarding various transactions that took place over three months ( XXXX, XXXX, and XXXX ). When notified, we canceled that debit card and filed the complaint. On Monday, XX/XX/22, I called to follow up on the complaint and was informed that our complaint was denied. I filed a police report on Wednesday, XX/XX/22, then contacted merchants. One of the most significant merchants ( Cash 1 ) I reached out to did a review on their end and confirmed that it was fraudulent activity with my card. They provided me with something in writing, and I supplied that email to the bank, and they are still denying our claim. We have been scammed out of {$17000.00} plus, and we have done extensive leg work to prove that we did not authorize any of the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I, XXXX XXXX XXXX received a negotiable instrument/draft, ( hereafter known as a " check '' ), for {$3000.00} from XXXX XXXX XXXX XXXX The check was assigned from the BB & T bank which falls under the Truist bank corporate umbrella. I went to the Truist bank at XXXX XXXX XXXX XXXX XXXX XXXX, MD. I put my signature and attached a reservation of rights on the check ( see attachment 1 ) per Uniform Commercial Code Article 1 Section 308 ; previously U.C.C. 1 - 207 ( see attachment 2 ). I preceded to cash the check when the teller informed me it would be {$8.00} fee. When I informed her that I had reserved my rights on the check, the branch manager, XXXX XXXX, ( hereafter known as the " manager '' ), approached me and asked what the problem was. I informed her that I was there to cash a check, which by law is a draft/order from the account holder to the bank, to pay the bearer of the check the amount stated unconditionally upon demand, and that i should not have to pay a fee because company policy is not law ( see Attachment 3 ). I further informed her that without full disclosure of bank fee policies on the check, charging a fee in lieu of a reservation of rights is paramount to fraud. The manager stated incorrectly " it is not fraud! '' I explained to the manager that i would not pay the fee and that i would be filing a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a folllow up to a previous complaint that was closed after the mortgage company responded. That complaint number is XXXX. Truist said that were reworking the escrow after sending me a new mortgage payment of {$1900.00}. XXXX XXXX told me on XX/XX/2022 that was being reworked by the escrow manager and to continue to pay my {$1800.00} and to continue to hold my XXXX escrow payment. It has been one month and despite numerous attempts to contact XXXX XXXX for an update, I have received no response. Meanwhile, I continue to get notices to " assist with my late payments ''. I am paying less that the current amount shows per his direction. This can only be causing more problems. Again, there is no full resolution to this problem and the company continues to fail in communication. I would like to know what options I have. Can I hire my own forensic accountant to fix their problem? Can I hire an attorney? I just want this resolved and would love for Truist to answer to their issues. Not only for me but the countless other complaints I am reading from other Truist customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 704XX
Submitted Via: Web
Date Sent: 2022-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This company charged me a XXXX dollar nsf fee for a payment that was XXXX cents short. I am unemployed and waiting for my XXXX approval and to have XXXX these fees that Truist keeps charging me are keeping me from buying groceries! When I noticed the discrepancy I immediately tried to remedy it. As you can see by my attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-12
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had five checking accounts with SunTrustBank that were closed on XX/XX/20 without explanation. I received a letter in the mail stating that " the remaining funds in your accounts will be mailed to you in the form of a check within 5 business days. '' After never receiving my check, I contacted the bank via phone and was told that I would have to wait up to one year before receiving my funds for a reason that has yet to be explained to me. It's been almost two complete years and I have never received the remaining balance from my accounts. The totals in the SunTrust Bank accounts were {$3000.00}, {$100.00}, {$100.00}, {$100.00}, and {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2022-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A