Date Received: 2022-10-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I put a stop payment on a checking account ending # XXXX. Truist bank been trying to pull my mortgage through the wrong account and overdrafting my account. They end up sending the money back to me XXXX. I transferred that money to the correct checking acct ending in # XXXX through my bank XXXX. I called truist and made a payment which got pulled XX/XX/XXXX and XX/XX/XXXX in the amount of XXXX. Truist notifies me they never got my XXXX XXXX and started hitting my credit and account with late fees. I called Truist for them to investigate and XXXX way in my bank on the phone call to talk to the Truist representive. XXXX faxed documents to Truist and representative made a complaint which nobody followed up. I called in XXXX to make my payment the rep urged me to make my payment and promised to put it on hold until the investigation was over and they back drafted my account. That never happened. Truist applied that payment to XXXX now nobody is investigating the blatant stealing from my Account and never fixed the issue in XXXX so that Truist can be accountable for the several errors on their part. I sent documention and waited XXXX months for a investigation into this matter. I need help please look into this shady matter. I know you if you look into this you will find a big company taking advantage of a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This debt is not mine and could probably be a friends of an ex boyfriend. Its been a nightmare. I was told to direct my complaint to this institution to be taken off my credit report. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Loan # XXXX I recently got a mortgage through Truist and since closing, the process has been nothing short of a nightmare. I attempted to setup online access to manage my mortgage but the bank locked my loan account and forced me to go to branch and meet with a banker to setup an online account, so I wasn't able to setup the account myself or properly enter my information and build my personal profile and contact info. I had to call the bank numerous times and spent hours on the phone trying to get the hold on my loan number lifted so I can setup my online access but started to realize that their support operations are nothing short of a joke and their information systems are poorly designed and works very well against customers instead of making their life easier. After going to a branch and setting up the account, I was finally able to login to my account where I was surprised with a ton of wrong information on file related to me and my mortgage. For starters the bank had the wrong homeowners insurance policy information on file and so I had to get on the phone again and waste another hour to get that fixed and after uploading the proper policy documents, I still see the wrong policy information on my online banking. Another issue I ran into is that my physical address under my personal information has a typo that the bank made not me, and when I called to get that fixed no one offered to help and simply asked me to go to the branch to get the bank 's mistake fixed because of the some XXXX reason about not being able to verify my phone number even though I provided the useless agent helping me with two phone numbers that the bank has on file and he confirmed that the two numbers are listed on file so not sure why he didn't want to help and fix the bank 's error. If this is how the bank treats customers that just borrowed XXXX of XXXX of dollars, then I am surely in for a rough XXXX year relationship and already regret going with Truist as a mortgage lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22152
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: For two weekends in a row ( XX/XX/22 and XX/XX/22 ), Truist Bank has had problems processing internal transfers between two of its accounts. I have several accounts with this bank. One is a money market account which always has a relatively high balance ( currently, about {$14000.00} ). Another is a checking account. I transfer money from the money market account to the checking account periodically. This is done to control spending and to prevent loss in case of fraud or the card being lost. There is no debit card for the money market account. It is basically a savings account. Last weekend, on Saturday, I was unable to transfer money between these two accounts. I had about {$12000.00} in the money market account last weekend and around {$20.00} in the checking account. Truists customer service closes at XXXX XXXX on Saturday. This left me stranded all weekend with only {$20.00} to purchase groceries and other necessities. Truist informed me this was a technical issue. However, since the banks normal customer service line closes at XXXX XXXX and it was after XXXX when I discovered this error, no one was available to help. I called the fraud line and reported the incident. The representative I spoke with refused to do a transfer for me, even though this error was entirely the fault of Truist. The very same thing has happened this weekend. It was after XXXX XXXX when I discovered that transfers again are not working. The phone representative in the fraud department refused to transfer the money for me. When I asked to speak to someone who could help me, I was returned to the voice prompt that you always get when you call a bank. Essentially, they hung up on me. Because Monday is a banking holiday, I may not be able to make transfers until Tuesday. I have about {$11.00} in my checking account. There is over {$14000.00} in the money market account. But Truist is not allowing me access to it. Two weekends of technical problems in a row is bad enough. But Truist is absolutely refusing to do anything to fix this. Their customer service hours are the same and their phone representatives will not do a transfer for me or other customers to, at least, make up for the problem. What this amounts to is Truist holding my own money from me without cause.
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: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Dear Regional Acceptance I, the consumer and natural person, was denied credit by Regional Acceptance when I applied for a Auto Loan. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is pursuant to civil liability under 15 U.S.C 1692k. You are subject to criminally liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by Regional Acceptance due to the response I received. Regional Acceptance is in violation of 15 U.S. Code 1642, U.S.C 1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was not issued. Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of Regional Acceptance. If Regional Acceptance fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card I will indeed make Regional Acceptance criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 16810. I will also follow up with an invoice for said violations ( {$10000.00} } per violation ). Thank you. XXXX : XXXX XXXX XXXX ] Without Prejudice, All Natural Inalienable Rights Reserved
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We met with XXXX from Truist bank to discuss a mortgage. We gave him every piece of information and document needed in order to determine what we would pre-qualify for. We are first time homebuyers so trusted him and Truist to guide us through this. We found a house, made an offer, had the offer accepted, and inspected. On XX/XX/22 we delivered our XXXX XXXX. We locked in our rate and have a text message from XXXX from XX/XX/22 confirming we had the rate locked in at 5.9 %. Our closing date is XX/XX/22. Our realtor and our banker have been updated and communicating every step of the way. We knew from the begging that we would not qualify for the First Time Home Owners loan due to our level of income. XX/XX/22 I spoke to our realtor as I discovered our rate was now locked in at 6.6 %. She spoke to XXXX and he said after we locked in at 5.9 %, he independently chose to unlock it to see if we would qualify for the first time home buyers, we didn't, so then we got locked in at a higher rate. I asked how this was possible, as we never as him to do this. She sent him an email asking him to explain. He didn't respond. I emailed him later that day, and including our realtor and my husband, and said that in order to proceed with out loan, I would like a response to her email and I would like the contact information for his manager. He responded " Sure my manager will contact you '' privately to me. XX/XX/22 I emailed him in the group to send the first name, last name, and email address for his supervisor. He again privately messaged me and said " Happy Wednesday, My supervisor will contact you once he is back from his meeting '' I had not heard from him by the end of the day so I emailed and said " I did not I did not hear from your Supervisor yet. Please reply all to the emails instead of contacting me individually, so that we can all be on the same page. I would like to know the name and contact information of your supervisor who will be contacting me in regards to this matter. Due to the sensitivity of information, I prefer to know who will be contacting me. '' I had no response. XX/XX/22 I called the office listed on XXXX 's card and asked to speak to the manager- who was XXXX XXXX. I briefly explained what happened and he said he would have the regional manager contact me. Later that day, XXXX XXXX called me and said he did not have a chance to look into what was going on, but what to listen to my situation. He respectfully did and said he would call me the next day when he could look into it more. XX/XX/22 XXXX XXXX called me. He said that when we locked in at 5.9 % it was for the first time buyers loan, then that was declined, so then the rate increased. I said firstly, I'm confused why it was the First Time Buyer 's Loan, as we knew we wouldn't qualify. I asked where it would say it on the document and I personally did not see. I only saw " conventional 30 year loan. '' I also asked when the loan was declined and if we were notified, as I had not received anything. He said it should be issued that day ( in regards to the 5.9 % ) loan. About an hour later I received a call from my husband that our Loan was denied and that we could try to submit another application. I don't understand what went wrong and how it got this far. We have been incredibly honest with the bank and provided every document asked. If we were to terminate due to not getting the loan, we could have gotten ouXXXX XXXX XXXX back in the first 10 days, but now it has gone too long. Our realtor has talked to our bank and us every step of the way and had no reason for concern. She believes our officer should have known before the file went to underwriting whether we were approved or not. Now we are out our XXXX XXXX inspection fee, time, and more. Interest rates are so much higher that it doesn't seem practical for us to proceed with buying a house. My question is, what went wrong? We don't know if we did something wrong in this process, if the bank did, or if we were taken advantage of. I just want to make sure everything was done fairly. If this is a matter of us personally not handling this right I would like to know what we could have done different for the future. If the bank has done something unethical, I would like to protect other people from getting themselves in this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75080
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: They pulled my credit report without my Authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In reference to the closed complaint ( XXXX ) I feel as though my issues were not addressed, only confirmed. For the account with the negative balance of {$2700.00}, Im aware that is a result of a reversed provisional credit. However if the sellers policy states I had 3 days to return, why would you advise me to STILL return the merchandise and provide you with a receipt and tracking number, stating that you could not help me without me returning merchandise to seller which resulted in a loss of money and merchandise for myself. I only did what I was told to do by your representatives. Also that very account was hacked by someone claiming to represent truist bank. I was sent a text message stating my account had fraudulent charges. Upon clicking the link I immediately reached out to truist only to be told that no money was missing and to just watch my account. The next day I see phone XXXX transfer in my savings account moving my money to my checking account. All of my personal information was compromised including my address, phone number, account number, email etc.which allowed this person to create a fake XXXX XXXX in my name and transfer {$100.00} to themselves. I called truist again! I told them I had proof of this fake XXXX XXXX as well as an XXXX address associated with the fake account. Truist was not concerned with my findings and was not willing to even let me send the information to them to investigate. So NO this was not authorized! As a result I had to place a fraud alert on my credit report, open a new bank account, and Im out of more money. So then we open the Truist essentials account for myself in XXXX which recently got hacked again by the same perpetrator Im assuming because once again I go to use my card at the gas station and all money is gone! I look at my account and I see the same phone XXXX transfer. I was told by numerous representatives and a supervisor that the account with the negative balance was closed and nothing could go in or come out. But apparently whoever hacked my account initially, still had access because they attempted to move every dollar I had ( {$120.00} ) to that negative account, adjusting the balance to - {$2600.00}. I was stuck in a city hours away from home unable to get gas or help from a representative. I was hung up on twice and had to go in a branch, where they only opened a XXXX account ( Truist confidence ) and set me up a new online account. The very next day this account was blocked from use by myself! So scammers can get my money just not myself? Im aware that these accounts are in my name but I did not authorize this transfer nor have I ever utilized phone XXXX transfers. This seems to be a inside job and Im fed up with your fraudulent activity being conducted by someone other than myself and your uneducated generalized responses to my problem. I dont think that people should keep having access to my accounts and personal info with help from Truist. This is unlawful and no one is researching the matter at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23602
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Regional Acceptance car loan appears twice on my credit report. One in good standing and the other is not. I have one account with Regional Acceptance the account that have a balance of {$20000.00} need to be removed. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A