Date Received: 2022-10-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have 3 fraudulent credit inquiries on my report. Truist dealerServices bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10701
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: [ 1 ] XX/XX/XXXX Borrowed $ XXXX 6.56 % to buy used car at XXXX XXXX XXXX thru TRUIST BANK. [ 2 ] XX/XX/XXXX I went to pay down loan by {$12000.00} at the TRUIST BANK of XXXX SC which they refused to accept as the had no offical loan account had been established [ 3 ] XX/XX/XXXX TRUIST called to communicate that by or before XX/XX/XXXX loan documents would be processed and an account would be established to accept payments/prepayments officially [ 4 ] XX/XX/XXXX {$12000.00} partial payment made [ {$12000.00} + {$100.00} adtional ] Submitted written request to review payoff amount reflect XX/XX/XXXX event & {$12000.00} partial payoff onXXXX [ 5 ] XX/XX/XXXX I called TRUIST loan department to request review of correcting retroactively reducing loan balance by {$12000.00} and the related per diems, as well as the addtional {$100.00} payment of {$100.00} and again the per diems. TRUIST refused to adjust the per diems [ 6 ] XX/XX/XXXX I have a loan commitment for $ XXXX 3.39 % and can not close without resolving the PROPER/ACCURATE/PRECISE determination of the payoff
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: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Recently, I did an investigation on my report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didnt make sure it was reporting 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my cred it reports and Under 15 U.S Code 6181e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report. As a consumer, I request to know the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification Description of reinvestigation procedure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2022-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed that purchases was made with my account mid last month. I immediately reported the card lost/stolen. I filed 3 claims. One for the purchases that was pending and the other for the purchases that was already posted. They gave me the money on the pending charges back once they posted. Yesterday they told me that my 2nd Claim was denied because my card was actually present when it was used. I was dumbfounded. I was like duh. He said since it was in the hands of whoever found it that means I authorized it. I couldnt believe what i was hearing. I told him I didnt authorize anything and I would like my money back. They gave me the money back on the other fraudulent charges but not the 2nd one. Im guessing because the 2nd claim was larger. I never use my card credit. All purchases was done by credit. I always use a pin/XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: To whom it may concern, I have been with TRUIST BANK for a long time, and I have always appreciated the good value and service I have received from TRUIST BANK. Recently I checked my credit report and noticed a mistake. I was devastated to see a late payment show up. Surely this must be a mistake. As you can see from my elite streak of payment history, I have a perfect record of paying on time. I would like to remain an active consumer of TRUIST BANK and will be happy to do so as soon as we get this matter cleared up. Will you kindly send it to me? confirmation that this erroneous late payment has been corrected, updated to paid as agreed and deleted from my credit report. You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. The items below should all be updated to paid as agreed on my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76205
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XX/XX/2022 I did a one month loan extension on my auto loan through Truist Bank. Since I did this my account has not been corrected. Truist took XXXX monthly payments out of my checking account in XXXX which was not authorized, only XXXX payment had I done myself. They have since reimbursed me for this error. That said, all my debts paid from my checking account that month have been returned as nsf adding late fees to every account plus now my credit is being negatively affected! Now this month they are attempting to try to say I made a late payment and expect me to pay two payments plus a late fee. I have made my normal monthly payment of {$270.00} ( reference XXXX ) I was not at fault for any of this mess and I feel Truist should correct this mistake asap so I am not being affected every month! This is just unacceptable service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36330
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
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: On XX/XX/2022 I filed a CFPB complaint with Truist Bank, XXXX, XXXX and XXXX about false and inaccurate information. Truist Bank is reporting false and misleading information because there is no loan given as the transaction was a retail installment sales contract but it is being reported as a loan. All of the companies listed above have been given over 30 days, 50 days to be EXACT, to make the correction and since they have not I am demanding that the tradeline Truist Bank be removed from all of the consumer reporting agencies that they are reporting to. I have attached the article that the CFPB has published on what a retail installment sales contract and I quote " A retail installment sale, on the other hand, is a transaction between you and the dealer to purchase a vehicle where you agree to pay the dealer over time, paying both the value of the vehicle plus interest '' this statement is located on the CFPB articles that is attached. I have also upload the retail installment sale contract, which it clearly says at the header of the attachment, in which Truist Bank is claiming that it is a loan, which is proof that the information is false and inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: A check was deposited in my account without my knowledge. My account now is in the negative because of the check and I did not authorize any of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2022-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Re : XXXX Reference complaint had to do with truest selling my information to a third party. I received another solicitation. This one has the Truist logo, being used by XXXX of XXXX, and the papers tell me they can deduct a monthly premium from my bank account, and it appears the third party XXXX of XXXX already has my bank account information. See attached photo.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23669
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A