Date Received: 2022-10-03
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I tried opening an account and it wont let me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Truist Bank closed my credit cards without any explanation whatsoever. I was approved for XXXX different credit products from them. I went to the branch and showed my ID because I applied online and they had a block on the account until I provided my ID. The block was released and I was able to use my cards. A month later, I was not able to use any of my cards at all. I kept calling customer service and they kept telling me a special department was handling it and they were evaluating the relationship between Truist and myself. They also said I would receive a decision/letter on the status and I havent received anything. This was 4 months ago. I feel like Truist has discriminated against me because of my gender and race. This type of behavior is unacceptable! The account in question are XXXX. XXXX, XXXX. XXXX, XXXX. XXXX, XXXX. XXXX I was even discriminated against when I opened a business account, I was approved for a line of credit and then out of no where, it was closed. This is after I signed paperwork and it was funded to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We were scammed By selling our baby crib & they used XXXX & we received an email we had to send money to them to verify acct & XXXX would sent it back & they could pay us then. It was a scam & we lost {$500.00}. This happened on XX/XX/2022. Im trying to work with my bank but we cant be guaranteed that they will refund the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32327
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Truist Bank in XXXX, SC cashed thirteen forged checks on XXXX, XXXX totaling {$6100.00} from my checking account. Then they cashed another one for {$3400.00} on XX/XX/2022, putting my acct into overdraft ( which I had never used before ). It was obvious that the signatures on the checks were not mine. The checks were very old BB & T checks stolen from a closed compartment in my locked car in my driveway of my house on my property during the night, along with several neighbors who were also robbed. I went to bank and reported the problem XX/XX/2022 after I saw my bank statement. I filed a police report with XXXX Police the same day. I was reassured by the bank employee that I would be reimbursed, but it might take some time. The police detective became frustrated with the bank for not cooperating with their investigation and subpoenaed the bank. On XX/XX/2022 I received a letter from Truist Fraud Claims saying that because of my negligence in safeguarding my checks, Truist denies my claims for reimbursement. I asked for a review and received the same denial letter XX/XX/2022. Truist said they were trying to recover my funds, then later said they could not because the thief used a XXXX XXXX They denied responsibility for not recognizing forged signature and cashing all 14 checks because of the XXXX XXXX also. Now I am told that they can not recover the funds or trace the money. But I can wait 180 days and see if something comes up! Bank manager at Truist said they often deny claims because their guidelines are different from other banks. Police detective said he has never seen a bank deny reimbursement on an obvious fraud claim. {$9500.00} is a lot of money and more than I had in my account. I am now having to make payments on the overdraft account! Please help me. I am XXXX years old with an adopted XXXX year old, retired, living on my social security and dwindling savings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: While I was on vacation my mortgage got purchased by Truist Bank. I only became aware when my payment wasn't swept from my account on the normal date. I found a notice in my unopened mail and called Truist Bank to set up new recurring payments. As it was already the XXXX of the month my payment would not make it in time. I was told to skip my XXXX payment and start XX/XX/XXXX. In XXXX I noticed they hadn't taken my payment again. I called and was given the run around and could never speak to a supervisor. They said one would call me and they never did. They stalled until the XXXX day and finally called and said if I didn't pay it would mark my credit so I emptied my savings and payed. They have refused to allow me to see a transcript of my original call where I was told to start with my XXXX payment. They also said if I recorded any phone calls they would not talk to me. I have made mortgage payments for 30 years without ever being late or missing a payment. The methods of Truist Bank are to speak in circles and deny any wrong doing and " accidentally '' disconnected phone calls 3 times as I was supposedly being transferred to a supervisor. This is no way to treat hard working people. I did not ask this fraud of a bank to enter my life and cause so much stress that I was losing sleep. I feel helpless against a XXXX dollar corporation with no recourse. I hope this can help others as I'm probably beyond protection. Thank you. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I called Truist on XX/XX/XXXX and talked with XXXX XXXX about flex modification on my mortgage. She advised me that I would go into forbearance for four months, after a three month trial period, Then she stated that my mortgage would be stretched out for 40 years and that the rate would go down a point ( currently XXXX - XXXX = XXXX ). I called Truist XX/XX/XXXX and was told that I successfully completed my trial, and that the modification to my loan is now 40 years and at the rate is XXXX. That has been my rate ever since I got the loan in XXXX. They told me that it would be dropped one point which would be XXXX. I called Truist and gave them dates, times and the people I talked to that verified loan would be modified to 40 years and drop a interest point. Truist said it will go through the recordings, and even if Im right that they still arent going to honor quoted rate. I had 3 different Truist representatives verify my rate would drop on phone calls prior to XX/XX/XXXX.
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: 2022-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I am a victim of fraud at Truist Bank. I discovered fraudulent activity after receiving a postcard in mail from Truist Bank indicating I had declined overdraft protection for a checking account opened online XX/XX/2022. I never opened an account with Truist Bank, nor heard of them before that time. I thought the postcard itself was a scam to get my information. Especially after I spoke to the representative on the phone. I was forced to communicate via a XXXX number with a representative of Truist Bank who DID NOT understand the English language and continually asked for MY account number and my social security number after explaining I was a victim of fraud, instead of transferring me to the Fraud Dept as son as I mentioned fraud. After numerous calls and wait times, I was finally transferred to a Truist Employee Department ( further example of incompetence ) who spoke English and transferred me to the Fraud Dept ( weeks later ). During this time, I received two bank statements with negative balances and a returned fraudulent IRS check. The rep from the Fraud Department told me I had three accounts opened in my name in XX/XX/2022. The first account remained open, while the other two were considered fraudulent and closed. No one contacted me about this fraudulent activity. I asked the representative if they had an intention of notifying me about the other two accounts and he replied, No. I asked him why Truist allows accounts to be opened online without any form of identification. He replied, we have ways of confirming the information without identification. I am sure Truist can confirm my information is correct, but they can not confirm the information is being legally used without me and my photo Identification. I have been with the XXXXXXXX XXXX for 45 years. They require two forms of picture identification cards to open an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19026
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I TALKED TO A TRUIST REP, AND SHE SAID NOW THEY CAN GIVE ME AN OPTION OF A VA DISASTER MODIFICATION. BUT I DON`T UNDERSTAND IS WHY THEY FAILED TO OFFER ME THAT OPTION BEFORE BACK IN XXXX. THE VA HAD 2 OPTIONS FOR VETERANS BACK IN XXXX. THEY WERE SAYING THAT MY LOST MITIGATION PACKAGE WAS INCOMPLETE AND THAT IS ONE OF THE QUALIFYING MEANS OF GETTING THAT OPTION. IF THEY HAD OFFERED THAT OPTION I WOULD`VE SIGNED THE DOCUMENTS FOR THE MODIFICATION BUT THEY WANTED TO GRANT ME A EXPLOITATION OF TERMS. MY CASE WOULD`VE BEEN IN THE PAST. THEN THEY THROW THE PACKAGE IN THE TRASH WITHOUT THE OFFER FROM THE VA. NOW YOU SAYING I AM 19 MONTHS BEHIND IN MORTGAGE PAYMENTS? MY FORBEARANCE STARTED ON XX/XX/XXXX AND ENDED ON XX/XX/XXXX, SO YOU SAYING I MADE NO PAYMENTS FROM XX/XX/XXXX TO XX/XX/XXXX. ( XX/XX/XXXX TO XX/XX/XXXX = XXXX ) AND XX/XX/XXXX TO XX/XX/XXXX = XXXX. YOU STOPPED MY PAYMENTS XX/XX/XXXX.
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: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
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: Charge by Truist on my visa charge by XXXX XXXX for service I canceled on XX/XX/XXXX XXXX {$240.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2022-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-02
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX I received a series of charges in the amount of {$1700.00} from a company called " XXXX '' and " XXXX. '' We assume that " XXXX '' is for the XXXX XXXX XXXX, and XXXX is subsequently a similar company. The total amount of charges over the month amounted to XXXX charges from XXXX, and XXXX from XXXX. I have included an XXXX sheet detailing the transactions. While I did order a few items from XXXX, I did not order that many items, nor did I order that much. I also did not order anything from XXXX at all in XXXX of XXXX. I also did not approve to have multiple payments spanning over the months to be charged to my account, which is what XXXX has done. Given that the amount and scope of what XXXX I consider all of these charges to be predatory, and erroneous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
Submitted Via: Web
Date Sent: 2022-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A