Date Received: 2022-09-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have contacted Truist multiple time, I spent XXXX hours on the phone yesterday and spoke with 6 different operators. I have called and spoke with them about this issue on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I have resumed making payments in XX/XX/XXXX and not missed every payment. I have received a complete and total lack of communication or answers to my questions, wasting time, pushing me further and further into default. Now have been threatened with breech and foreclosure, I have repeatedly asked to end of this process by paying my past due balances to have my current loan actively out of default. I have asked for a breakdown of what is owed to them including the escrow payments that I made throughout the pandemic and now also including monthly payments made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. After making the XX/XX/XXXX payment yesterday, on the phone for three hours with XXXX operators, they still could not tell me what I owed and how to pay that remaining balance to get out of default. One representative XXXX # XXXX said that I was in breech and that they wouldn't accept any form of payment from me and offered no other explanation or assistance. This obviously would have put me further in default. Luckily I called back and spoke with another operator who did accept my payment of {$1300.00} and a confirmation #. I have been approved for Housing Assistance Funds ( HAF ) since XX/XX/XXXX. HAF has reached out to Truist weekly requesting them to accept these funds on my behalf, Truist has not responded. With the HAF funds, I could then pay the remaining balance owed and then would be in place to resume normally as I was prior to the pandemic. In fact, I was told this specifically on XX/XX/XXXX by XXXX # XXXX. In this case, Truist would be paid all that is due to them and I would have been in a position to have not been negatively impacted, through no fault of my own, by the COVID-19 pandemic - - which is the exact purpose and supposed outcome of the CARES ACT and the point of the entire deferment process. I am resubmitting a complaint through this avenue again because Truist has refused to communicate with me any other way. I have spent hours, amounting to days over the past 30 months on the phone trying to call and reach them and resolve this matter and have repeatedly been given contradicting information, hung up on, passed around to other operators who could not help and left with no options to email or given call back numbers as opposed to waiting in queue. I am requesting a fair resolution to this matter, I am offering to pay along with assistance of HAF funds, to be current on my mortgage. I do not consider a 40 year modification that requires me to pay increased interest on top of interest a fair outcome. Especially since I and HAF am offering to all of the past due amount in its entirety. I don't consider it a fair outcome for Truist to refuse to communicate with me to the point that I am acquiring more interest and pushed further into default when I am currently trying to pay the entire balance but can not come to an written arrangement with Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70122
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Getting the loan
Subissue:
Consumer Complaint: A official copy of my Notice of Complaint by Affidavit regarding the Discriminatory Actions and Federal Law violations made by the corporation in question is being attached to this CFPB complaint along with the evidence/proof that proves the allegations herein Please take note : A copy of said notice will be mailed out today to the the financial institution and its registered agent via XXXXXXXX XXXX Mail 's XXXX XXXX XXXX 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: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Bank called BB & T in XXXX XXXX tx fraudulently opened a bank account in my name. Once I found out I notified the bank and filed a police report and the police arrested and charged XXXX XXXX for opening fraudulent account and theft by check. BB & T still has this account on my name and needs to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Homeowners insurance was sent to XXXX XXXX in the amount of {$2200.00} on XX/XX/XXXX however it was never received as it was sent in a bulk payment. I called Truist to resolve on XX/XX/XXXX and again on XX/XX/XXXX as it was due XX/XX/XXXX and i was at risk of cancellation. On XX/XX/XXXX Truist assured me theyd overnight a new check then trace the wire and stop payment. I received a call from my insurance in XX/XX/XXXX as it still has not been paid and i wont get an extension past XX/XX/XXXX. I finally paid the bill myself and am not confident i will receive the funds back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I closed my bank account with Truist back in XXXX or XXXX of 2022. There was a XXXX XXXX credit line that I paid off and was told that it would close along with my checking. I recently got my credit pulled and Truist is reporting delinquent with past due amount of {$3.00}. I have now which paid that. I was not notified that there was still a balance due on this account. I was under the impression that the account had been closed. I have reached out to Trusit and asked if a letter can be sent to have this taken off my credit report as I feel this was a banking error on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29073
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My name is XXXX XXXX, I have an Auto Loan with Truist which was originally Suntrust. On XX/XX/2022 a Wire Transfer in the amount of {$110000.00} in connection with me selling the vehicle was successfully Wired to Truist, they have validated that the {$110000.00} wire transfer is sitting on their General Ledger in their Wiring Department. However as of XX/XX/2022, they are still holding the money and refuse to apply to my loan to pay off my loan balance and Truist is so incompetent that I can't even get someone to call me back. I have raised an Executive CEO Complaint to Truist, and they still haven't responded to that. Please help me resolve this, I have spend hours upon hours on the phone with Truist trying to resolve this to no avail. I am losing sleep, I have severe anxiety from it and am needing to resolve this and get the loan paid off ... .. they have {$110000.00} confirmed and cleared that they are illegally holding on to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/2020 XXXX payment {$200.00} XX/XX/2020 XXXX payment {$500.00} I went through XXXX since it was asked of myself and my bank had ties with them. After finding this vacation property to be fraud they demanded {$600.00} more from me and I would then get my refund. My bank told me since I authorized the payment they were not accountable and they shortly after overdrew my account by {$400.00} and they dropped me for being high risk of fraud. I was never able to get anyone to help me nor did I know about XXXX. There should not be a time limit on someone stealing from u and a person not knowing how to handle what has happened with no legal willing advice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: This is follow up of XXXX, because Truist misled me into use their bakance transfer offer, and refused to cancel the deal and refund interest they illegally charged me ; i returned all the money to the credit card last week, expecting tgem give me answer on the charges they should not have made on me ; without such response I managed to pay all that charge last night, although I don't agree to it, suppose my balance should be zero with this payment. But to more negative surprise, the payment was not reflected on the account ( but marked as complete in my checking account ), they went to withdraw another {$210.00} on already zero balance account. What is thus bank doing to serve customer other than charge and charge? This fraudulent deal had caused my big hardship, decrease of my credit score, why they are allowed to take time again and again, and make unjustifiable charge on old people? also CFPB us doing to protect people against such damage?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Multiple people have opened accounts under my name at Truist bank. I have spoken to the bank and they still have not closed all accounts under my name. They are extremely hard to get in touch with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11001
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Four months ago, I called Truist bank to request the closure of my account # XXXX and after XXXX minutes waiting and XXXX other minutes from the agent trying to keep my account open he finally gave up and told me that he was going to process my request and send me a check for the {$8.00} left positive on my balance. This apparently never happened and a few days ago I got a letter saying that I owed {$41.00} to the bank and on the letter they even tried to scare me saying that they may report the account closure to the reporting agencies. So they not only ignored my recorded call/request to close my account, but also took my {$8.00} balance and charged me fees on top of fees mounting to {$41.00}. This illegal and deceptive practice should be investigated and this institution penalized for acting this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33125
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A