Date Received: 2022-09-19
Issue: Problem with customer service
Subissue:
Consumer Complaint: This is related to XXXX XXXX, two problems 1 ) truist send me response in snail mail, nobody tried to reach me in phone or person, in which they say attached statement abd original disclosure but none were there, trying to keep fraud and cheating for more money 2 ) I deposied check of $ XXXX to pay off this un-wanted deal, the deposit timenwas XX/XX/XXXX, again they deliberately delayed cashing of the deposit to XXXX XXXX, charged another interest of {$190.00} against my will 3 ) as of today, I had paid off the money {$10000.00} I borrowed from Truist by their cheating ; I'm hereby request Truist cancel the interest and fee {$680.00} they charged and refund it to me
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: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: My husband and I have a home equity line of credit ( HELOC ) with BBT/Truist , valued at {$100000.00}. Prior to last XXXX, we had a balance owed of approx {$16000.00}. In XXXX, we used approx {$5500.00} more for home expenses, then visited to the bank branch to request a " freeze '' on the interest rate. This would total approx {$21000.00} balanced owed for both loans. The branch manager froze the interest rate of the {$5500.00} amount, and kept the original {$5500.00} on our account -- thereby creating a third withdrawal with a variable interest rate. Our total subsequently reflected over {$26000.00} balance owed. I have visited the branch 5 times between XXXX XXXX XXXX ; I left messages with the front desk agent ( XXXX XXXX XXXX XXXX to have the branch manager contact me. No one has returned my call. I have contacted the customer service line ( ph XXXX ) many times with little to no response. Meanwhile, since we did not withdraw these funds, we have not been paying towards erroneous loan balance, and we are in turn being assessed late fees and reports to the credit agencies. In XXXX, I was able to open a ticket ( # XXXX ). No information was given about how to contact this department correctly. I only repeated calling the main customer service line. While paying the XXXX mortgage, I noticed a credit of {$5400.00} was applied to the original fixed loan but it still leaves the erroneous variable loan open. Between Friday, XXXX XXXX- XXXX. XXXX XXXX, I have called Truist 6 times -- and have been disconnected while on hold with their agent. Apparently, no one is able or willing to assist on their end. Hence I am left with no choice but to file this formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was a BB & T customer and the merged with Suntrust and now its Truist. All the years I was with BB & T they provided payment booklets. Ive always made my mortgage payment on the 15th or 16th of each month. I most always pay by phone before the late charge is accessed. If the payment falls on a weekend I will personally take it the bank. Since they merger I finally one month XXXX look at statement and it stated I had all these late charges. I never know anything about large charges. I called the first time spoke with a XXXX and she said I had payment make on the XXXX. I said I have until XXXX before charging a late charge. She couldnt give me a answer. I was transfer to manager name XXXX XXXX?. She stated since the merger there have been a lot of complaints about late charges. She stated collections should have call me. I told her I have never received a letter nor call regarding a late payment. Also, when I call to make the payment no mention of it either. I have tried calling an speaking to different people with and leaving voicemail with no return call. The last manager left message for was XXXX and voicemail with no last name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022, Truist Bank received a check the amount of {$1300.00} and return the check back to the Mortgage bank without placing my overdraft protection in place. Truist Bank didnt give me an opportunity to see the check in the bank, Truist Bank didnt place my overdraft protection in place and give me by the end of day to to transfer the remaining balance to cover the check before they sent the the check back. On XX/XX/2022. It was {$800.00} in the account. Instead the Truist Bank turned my overdraft protection off turned my email notification off and sent the Check back to the Mortgage Company then sent a notice of overdraft letter to my address a week later after the XX/XX/2022. For years Ive been with Suntrust and never had a problem with Overdraft Item because of the Overdraft Protection protected my account and always gave me opportunity to put the remaining balance back into my account. I can show my bank statements that will show my overdraft items and how by the end of the day I deposit the negative amount into my account to make the account positive. If the Truist Bank wanted to do any changes to my account I they should of contacted me by letter or email and gave me opportunity to decide. Truist Bank did not do nether. As a consumer I should be protected against unfair bank practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a car loan with SunTrust Bank. The payment was made each month automatically by XXXX XXXX. Suntrust Bank was purchased by BB & T Bank and the new bank, Truist, did not accept the electronic transfer of the funds for the car payment. XXXX has to mail a paper check to Truist XXXX month. In XXXX I was notified by Truist that the car payment had not been paid the previous month. I contacted XXXX and I was told that the car payment had been sent 4 weeks eariler, but the check was never cashed. I contacted Truist and I was told I needed to authorize an immediate debit from my checking account, to pay the past due payment, and I was told to have XXXX Bank issue a " stop payment '' on the missing check. I did exectly as they asked and the payment was debited from my XXXX account. Evidently, later the same day, Truist located the missing check and discovered a " stop payment '' order was issued on that check. Trusit then charged me a {$25.00} fee for the " stop payment '' even though that is exactly what they had told me to do. When I asked for the fee to be waived, I ws told that only a supervisor could do that. When I asked to speak to a supervisor, I was told that was not allowed. I then asked for someone from Truist to contact me. I have never been contacted, and the fee has not been waived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Talked to a few of the representatives from this company, and explained my issues of trying to pay my mortgage online, like I used to do when they where Suntrust, and had no issues, now can not do this online, and then I have to get on the phone and it takes me anywhere from 18 to 35 minutes to pay my mortgage, Totally Unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: a copy of the credit report showing the past due balance of {$25000.00} to Regional Acceptance Corp. Their phone # is ( XXXX ) XXXX. After a XXXX XXXX was filed in 2014. Why is it showing on my credit report past due? Car was returned.
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: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was defrauded electronically by a loan agency. My bank, Truist, caught the fraud before I did but chose to not only hold me liable for the {$5000.00} of funds defrauded from me that left my account negative but also locked my account but acceoted two seperate direct deposits from my employer before permanently terminating my account and then trued to extort the funds from me under threat of reporting me to credit agencies. I now have no access to any banking services from any institution and my credit report is severly blemished for a fraud that was committed against me with my babks full knowledge. I feel I am being victimized twice in this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18062
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, I'm a XXXX XXXX XXXX XXXX who had a SunTrust account for over 10 years, opened in Florida. I was notified on XX/XX/XXXX that SunTrust was now Truist. And at that time I split my time between the XXXX and my daughter 's residence in XXXX, XXXX XXXX and would have all my statements mailed to me in the XXXX. Since being forced to join Truist, I have had nothing but headache. In order to set up in the app, I had to use my daughters address and it did not recognize my XXXX postal code. I was able to deposit funds however in XX/XX/XXXX I attempted a XXXX payment. After servers attempts in the app and several calls to customer service, I was ensured that this withdrawal had gone through. However after attempting to access my account online, I see that I am now blocked, the XXXX payment did not go through and I soon received a letter ( to my XXXX address ) notifying me that my account has no been closed and I will receive a cheque within 10 business days. It is now XX/XX/XXXX and I have called this bank over 18 times as I have yet to receive the balance of my account. No department can help me. I have been reconnected and transferred from department to department. I have screen shots of 4 hour wait times. And to no solution. I've had " supervisors '' quote me my account number, when they are suppose dot be quoting me yet another number to try to " solve the issue '' and no department seems to be able to take responsibility for my account. My wish, my prayer and my hope is to never have to contact this bank that I was forced to be with again. I would just like my hard earned money returned to me. My last call with customer services was XX/XX/XXXX to XXXX where I spoke to XXXX. Truist is not a bank. Truist does not care about it's customers. They are thieves, and they treat people 's money and time with no regard. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07013
Submitted Via: Web
Date Sent: 2022-09-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am being harassed by XXXX XXXX for a debt that does not belong to me. I have never had an account with them or Truist Bank, the company they claim to represent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A