Date Received: 2022-09-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account on XX/XX/XXXX. Truist website was supposed to take me to a webpage to fund the account via credit card. The website did not redirect and instead went to a confirmation page. I followed the instructions to create my online access to the account. I forwarded {$1.00} to the account and then set up ach transfers which require verification in approximately 5 days. I received the email to verify my ach accounts and went to log into the truist site. I could not log in. I called and was informed that the account needed in person verification. I went to the bank to verify on XX/XX/XXXX, and the bank attempted to reach the fraud department to confirm that I verified in person. The fraud team did not respond. On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from truist advising me that the account was closed. I was advised not to submit any deposits, stop all withdrawals, and that I would receive a check mailed to my address on file within ten business days of the letter. A day later, I received a bank statement dated XX/XX/XXXX confirming a positive balance of {$1.00}. A month later after XX/XX/XXXX, I received another bank statement. This time the bank statement showed my account as open and they have now charged me a {$12.00} maintenance fee. The account is now $ XXXX. Two branch officers refuser to assist me. They said that the first time I went into the branch the branch employee could have verified and fixed my account and because she did not it was her responsibility and not theirs. The fraud team thinks I submitted a fraud request due to unauthorized use of my account. I did not not submit this request because no one has used my account/ Truist puposely kept the account open past XX/XX/XXXX despite the XX/XX/XXXX letter telling me the account is closed. Truist needs to reimburse the {$12.00} fee, give me back my {$1.00} and close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77388
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist has been putting administration holds on everyones deposited checks when done through mobile deposit. I have been depositing checks on mobile ( BB & T ) for 3.5 years and never once had s bad check or a bad standing with the bank. Yet, they have decided to hold 5 checks for over {$6600.00} dollars in one week. That is for payroll for my company and for my family to survive. THIS IS CRIMINAL! It is happening everywhere with Truist. There are hundreds of complaints online about this exact behavior in the last few months. 3 of these checks are bill pay checks where the other bank verifies the funds before sending the check!!! I have been depositing those same checks for over 3 years and never had a hold or a bad check!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2022-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Two banks, TRUIST and XXXX XXXX XXXX allowed withdrawals exceeding {$120000.00} from my accounts!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27265
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was involved in a scam where I lost over {$8000.00} to a fake landlord. I had wired over {$4000.00} to the fake account unknowing that it was a scam. I moved across the country and found out that the apartment I was supposed to move into was completely fraud and had someone else living in it and wasnt actually for rent at all. I asked Truist to do a wire recall on XX/XX/15 which they attempted but couldnt get any money back. They closed my bank account for investigation and then sent me a letter five days later saying that they would not give me any money back because the transfers were authorized and therefore it wasnt fraud. I tried to explain that I had no idea that this was a fraudulent company but they would not budge in their decision. Ive received no money back for something that wasnt my fault.
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: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: I deposited my paycheck through TRUIST mobile deposit, that was issued through the corporation XXXX XXXX XXXX XXXX, and was placed on a 9 day hold. The check was {$800.00} and I had more than enough to cover the funds if the check was fraudulent. I live paycheck to paycheck to feed my family. When I called the staff told me all these ridiculous reasons why it would be held, none seemed to be reason enough to hold that amount for that long, and eventually was told that they " COULD HOLD ANY CHECK AT ANYTIME FOR ANY REASON. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-23
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/22, I deposited a check written for me from my college XXXX account ( XXXX XXXX XXXX XXXX ). I was advised that the check would be held until XX/XX/22. When I could finally access the check when it posted on XX/XX/22, I realized my account had been frozen ( no notification from my bank Truist ). I went to my local branch and was advised the check was marked as fraud and needed to be investigated. It has been 4 weeks to the day now as today is XX/XX/22. NOTHING has been resolved. I have been told to provide proof that the check was for me, which I did get documentation from the XXXX XXXX XXXX XXXX and submitted it over two weeks ago. I had multiple 4 way phone calls between me, the account holder for the XXXX plan ( my Aunt ), a rep from the XXXX XXXX XXXX XXXX, & a Truist Fraud Rep. Yet, they say call back in 1 more business day or 3 more business days just for nothing to be resolved. I havent been able to access ANY funds in my checking account as my whole account is frozen. I can not pay any bills nor access direct deposit from my employer. All of my bills companys are charging me late fees as well as returned fees. It is ridiculous and Truist is no help at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17701
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Our truck loan was originally with Suntrust. Truist took over the account in 2020 sometime. We have had nothing but issues with this company pulling out 2 payments during auto pay and when trying to get them to reverse 1 so I can have the money to pay my other bills on time- we continue to have issues. They either want me to call my bank to put in a stop pay AT MY COST. We did this the first time, as requested- to only have not the bank stop pay but they also reversed a payment - causing now no payment at all. We expressed our concerns and now here we are again. They will not refund me immediatly and want me to wait on a check in the mail for 10 business days. I do not have extra funds to cover XXXX worth of other bills- now causing me to be late on those with added interest. Truist wants to take your money ( twice ) but then you are the one holding the bag in the end when you can not pay your bills. Our mortgage was sold to this company and we have the EXACT same issues. We ended up paying off the mortgage to avoid same problems with taking XXXX XXXXXXXX out twice. We took out a loan to pay off mortgage to avoid them at all cost. This is a scam and most folks are not this in tune with their accounts. I can not believe in these days a company can get away with this with most folks on limited incomes and working paycheck to paycheck.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77316
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello Im XXXX XXXX XXXX and this unfortunate event has led to the destruction of my long worked for great credit. On XX/XX/XXXX of 2022 I slid on ice totaling my XXXX XXXX XXXX limited. I had my loan with BB & T financial. This was my bank for the car. I owed an outstanding balance of {$7900.00} for me vehicle. After breaking my arm and wrist in the accident and needing XXXX, I called my bank on the XXXXXXXX XXXX XXXXXXXX. So did my insurance XXXX to inform them of my car being totaled and that the full payout for the remaining amount would be paid to the within 7-10 days. BB & T was being bought out by TRUIST financial. The worker I spoke to on the phone did not report my car as totaled after informing her so. The most important issue, when XXXX called TRUIST to get the payout address THE WRONG ADRESS WAS PROVIDED BY MY BANK! but I didnt know this because XXXX thought it was correct as it should have been. XXXX would have no reason to think otherwise when asking for such basic information. XXXX sent the check out ASAP, On the XXXXXXXX XXXX XXXX. The check arrived at its wrong destination on the XXXX. Issue is, IT WAS THE WRONG ADRESS PROVIDED! I was still unaware of this and was contacted about an issue with my car loan. Fast forward to XX/XX/XXXX. 2 months later, i received a statement in the mail, keep in mind this is first time Im informed by my bank that they had not received the check. They said I was late two months payments and now owed them {$700.00}. I swiftly called them to get this sorted out and after a 3 way phone call with them and XXXX we came to the conclusion that XXXX was provided the WRONG payout address by a bank representative and that is what caused the check being mailed to not be received in time. I reached out to BB & T/TRUIST to inform them that the mistake was on their end and now Im in a bad situation unable to get a car loan because of this. They refused to help after I filed the dispute directly with them. Human error was on their end. It deeply saddens me that no one has been able to resolve this matter. The bank did not change my payment to NOT LATE, I was never late for payment on this loan and I can not go my life with this mistake on my credit report. The only further evidence I have to support my end is that XXXX released the documents to me, stating exactly the address that was provided by TRUIST on XX/XX/XXXX and it was incorrect. I also then have the correct address that was provided on the 3 way phone call that day the XXXXXXXX XXXX XXXXXXXX when the full check was RE-ISSUED attached below. Without my diligence this wouldve never been figured out. They can not hold me responsible for a human error on the banks end. Its now affecting my life personally and Im going to have to get a lawyer if I can not find another way to get this fixed. Thanks for your help and please reach out with any questions or need any evidence. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-22
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Amount of debt : Date of Service : Provider of Service : XXXX XXXX XXXX, XXXX, XXXX & XXXX XXXX ran by XXXX To Whom It May Concern, I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified. It is also my understanding that Under the FCRA 15 U.S.C. 5 16811, every single one even each any or all of the unproven, non-compliant, incomplete, untrue, incorrect, and or unverified aspects of any alleged derogatory accounts must be promptly negated in its entirety or the alleged accounts are to be completely deleted. The FOLLOWING derogatory accounts allegations are either UNTRUE, UNVERFIED, INCORR INCOMPLETE, UNTIMELY, NOT MINE, NOT MY RESPONSIBILITY, or otherwise NOT PRO COMPLIANT to regulatory federal reporting laws and or standards and MUST be removed immedia The infractions are as follows : Alleging Creditor and Account as is reported as having a late payment my credit report : ( dispute_item_and_explanation ) I am demanding that this account be updated to Paid as Agreed and Never Late. By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX XXXX XXXX XXXX XXXX COMPLIANCE regulations, I demand that these above mentioned derogatory items be investigated and permanently removed from my report. I await your reply with the above requested proof. Upon receiving it, I will correspond back with you by certified mail. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78233
Submitted Via: Web
Date Sent: 2022-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On or about XX/XX/2022, I opened a checking account for the sole purpose of handling my mother 's estate after she passed away. On opening the account I was told that there would be no fees or charges on the account as long as I maintained a minimum balance of {$1500.00}. After the required probate period required by my state ( WV ) I dispersed the funds in the account to the creditors and heirs of the estate with the exception of {$1500.00} of my share to keep the account open for the future sale of real estate as I believe I am required under WV state law. On XX/XX/2022, the account was charged a " RETURN STATEMENT FEE '' of {$5.00} bringing the account balance to a total of {$1400.00}. After noticing the charge on the account I called customer service and after " getting the run around '' for over an hour the {$5.00} fee was credited back to the account ( returning the balance to {$1500.00} ) and it was explained that the charge was due to an account statement being returned to the bank. ( To clarify the account was not charged to create or mail the statement to me but specifically because it was returned by the USPS as undeliverable. ) Then on XX/XX/2022, the account was charged a {$12.00} " MAINTENANCE FEE '' due to the balance of the account dropping below the required minimum balance of {$1500.00} during the previous statement period ( solely due to the bank 's erroneous charges and for less than 24 hours ). I called customer service immediately and was told that the bank would investigate the matter and contact me. The next morning ( XX/XX/2022 ) the account was charged a {$5.00} " RETURN STATEMENT FEE '' resulting in the current account balance of {$1400.00}. As of today ( XX/XX/2022, I have not been contacted by the bank ( Truist )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A