Date Received: 2024-01-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check into my account they ask me to wait the appropriate amount of days which was ten days to make sure that my check dont bounce and I did that and it did not and now they refuse to unblock my account they closed it now with my funds still there at a postive XXXX I just want me money sent to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76117
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-15
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: Subject : Urgent Concerns Regarding Account Notifications and Customer Service Experience I am writing to express my dissatisfaction with the recent experiences I have had with Truist Bank, which has prompted me to bring some concerns to your attention. Firstly, I have been receiving multiple messages and emails from Truist regarding delinquent payments that, upon thorough verification, appear to be inaccurate. My bank, XXXX, has consistently made on-time payments as per our agreed-upon schedule. Secondly, the staffing levels at Truist 's customer service department seem inadequate, leading to prolonged wait times for assistance. On several occasions, I have had to endure hours of waiting to reach a customer service representative, which is highly inconvenient. I have a XXXX loan with Truist that I established in XXXX, with automatic payments facilitated through XXXX. Unfortunately, I have twice been falsely accused of late payments, resulting in threats of fines. Despite investing considerable time on the phone to resolve these issues, the problems persist. As of today, XX/XX/XXXX, I have received multiple emails and text messages indicating a default on my mortgage payment, despite my bank 's confirming that the automatic payment was issued to Truist over XXXX weeks ago. My attempts to reconcile this matter with Truist 's customer service have been met with extended wait times and, in XXXX instance, an agent hanging up on me. Moreover, I am troubled by the inconsistency in Truist 's notifications, receiving numerous messages about default notices. I am requesting a modification to receive only XXXX email and XXXX text message regarding my account status. In addition to seeking resolution for these issues, I believe compensation is warranted for the significant time lost during my waits for a Truist agent. A reasonable waiting time is typically XXXX minutes, but my cumulative wait time has exceeded XXXX hours. Given my hourly income of {$250.00}, I request compensation of {$500.00} for the time lost. I appreciate your prompt attention to these matters and hope for a swift resolution to ensure a more satisfactory customer experience. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2024-01-15
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: Escrow, taxes, or insurance
Consumer Complaint: On XX/XX/XXXX : I sold my property at XXXX XXXX XXXX XXXX, XXXX TX. XXXX. Consequently loan number ending in XXXX was paid off to Truist Bank, XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX on XX/XX/XXXX. However, Truist Bank did not record the payoff until XX/XX/XXXX. XX/XX/XXXX : I changed the mailing address on Truist Bank 's website from the property in Texas to my new mailing address. On XX/XX/XXXX : I alerted Truist Bank that I still had not received my escrow funds. I was told by a bank representative that the escrow check was mailed to the mailing address for the property that I sold. I alerted the representative to the bank 's error, I was told that the check would be reissued. On XX/XX/XXXX : I called Truist Bank to advise them that I still have not received the funds. The bank representatives are refusing to send my escrow funds to me in a timely manner as per their obligations according to law to return the money within 20 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2024-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Truist Bank has beenaproving credit cards for my for my accounts with them and then after a couple months or even a week they close out the cart, and I think this is due to the complaints with the consumer financial protection bureau about my modification for my mortgage that they are penalizing me from having additional accounts like Loan and accounts and credit cards accounts and I think this is a discrimination issue and I have put a formal complaint in with truist, but I want to put another complaint in with the CFPB Because other people other customers need to be aware of what this bank does to minority and people that have money in the bank. I have almost {$300000.00} in the bank and these people are treating me like XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card and I also believe that the co-applicant with me on my account is being treated the same way he just opened up a credit card account with them for {$4500.00} with truist bank and they closed it right back up and then they closed up secure cards as well so that means that youre trying to disassociate your relationship with me as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am reaching out concerning unauthorized inquiry made on On XX/XX/2024 by Truist Bank, XXXX XXXX XXXX XXXX XXXX, NC XXXX. I received a notification regarding a hard inquiry reported by XXXX XXXX. I contacted Truist Bank directly and they denied having pulled my credit report. XXXX however verbally verified that there was a hard inquiry from Truist Bank. I did not apply for credit nor give Truist Bank consent to pull my credit. I am demanding that this hard inquiry be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My escrow changed and I was not notified because I was on electronic documents. My payments were made automatically from my account and were short. I wasn't called or notified by mail of an issue until 4 months after the problem started. In XXXX I called to straighten the situation out and was given an incorrect figure to bring the account current. The representative pulled from my bank account {$130.00} and should have been {$1300.00}. I was called a few days later to say it still was not correct. On XXXX XXXX The Truist representative pulled from my bank account the difference which was {$1200.00} to bring the account current. I requested to speak with a manager and was told no one was available. I requested a call back and never received one. I also requested to remove the escrow and pay the INS and taxes myself and was told I was denied because I live in a flood zone. This is despite the fact that I have over 80 % equity in my house. On XX/XX/XXXX, I over paid the new mortgage amount oXXXX XXXX by paying XXXX. In XXXX, I received a new statement that included another late fee. I called again and was told it could not be waived. I asked to speak with a manager and was told that one was not available and would receive a call back. I never received a call back. I have not missed a payment in 9 years. I have paid XXXX dollars in late fees and even after I have done everything possible to get this corrected I am still being charged late fees. When I asked if I could get something in writing showing the account is now current, I was told I would have to wait for a new statement. This is blatant robbery and Truist is intentionally using this opaque process to make money on late fees. If the figures to bring the account current were not correct, that is the fault of Truist and I should not be charged late fees. I have wasted several hours on the phone trying to get his resolved and I am still getting the runaround.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Name : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX D.O.B XX/XX/XXXX XXXX TRUIST BANK XXXX XXXX XXXX, XXXX, VA XXXX This letter is to provide you with knowledge of intent to sue. The lawsuit will filed due to the utter lack of response from your company. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation. Over 90 days ago I wrote each the creditors in question and demanded proof that I am their customer. I asked for proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature. So far none of them has been able to provide such proof to me. I have sent follow-up letters to each of them and there is still no proof. I have attempted phone contact, but I simply get transferred around and nothing ever gets accomplished. I have fully investigated my rights in this matter. Under the doctrine of estoppel by silence, XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. Your letters to me claim to have " verified '' the debt, but this is in fact not true under law. Simply contacting the alleged creditor and asking them to match up numbers in their database is no sufficient verification for identity theft. Of course the information matches up. Someone clearly used my information without my authorization. Now I am suing XXXX for being such a pain in the posterior to me. I have provided more than sufficient evidence to get these false accounts removed. You may contact me before XXXX via letter at my address listed at the top of this letter. This matter can be settled simply by your agreement to remove the false information from my credit file. I require a response, on point, in writing, hand signed, and in a timely manner. If I get another pointless letter from you saying that it has already been " verified '' then there will be no more opportunity for negotiation. This will proceed in court until I have successfully proven to a judge that this false information must be removed from my credit file. I will also be aggressively pursuing the full judgment that I can get against XXXX for violation of the Fair Credit Reporting Act and Defamation. The items to be removed from my credit report are list one an attach page. I look forward to your response. Attachment included Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name______TRUIST_______________________________ Date open______XXXX__________________________________ Account Number____XXXX________________________________ Reason for dispute_IDENTITY THEFT___ Account Amount_____XXXX______________________________
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: the company gave my non public information to a non affiliate company who used my non public information without my consent or knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am an XXXX citizen and had an account with SunTrust. I had no problem with SunTrust. Unfortunately Truist took it over. Now I can't make any XXXX payments. Bank has not bothered to inform me about this. I have contacted them several times but the issue has not been fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I lost my Truist Bank XXXX debit card on or around XX/XX/XXXX, but didn't discover the debit card missing until XX/XX/XXXX when I logged into my online checking account and discovered unauthorized transactions on the account. I immediately called the Truist Bank customer service number to report the debit card lost and to file a clim for XXXX unauthorized transactions totaling {$2900.00}. I was transferred to the XXXX XXXX and XXXX XXXX. where i was asked a few questions. I answered that the debit card wasn't in my possession at the time the transactions occurred, and that the card was lost from my wallet on approximately XX/XX/XXXX. The reason I said the debit card was lost on XX/XX/XXXX is because that is the date the fraudulent transactions began. Further, I said no one is authorized to use the account and no one else had access to the account including friends and family members. I received a letter from Truist Bank dated XX/XX/XXXX confirming an initiation of a review of the transactions on the Truist account that were reported as fraud. A second letter dated XX/XX/XXXX was then received, which stated Truist Bank is unable to honor the claim because there is a pattern of similar transactions which were not previously disputed that I benefited from. I only used the debit card three or four times in XXXX, and it wasn't used at any of the merchants listed in the claim. The fraudulent transactions occurred in various cities throughout Florida, with most of them being made in XXXX, a city I haven't visited. I've attached the correspondence letters for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A