Date Received: 2024-01-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Money is being requested by XXXX again to change date on documents for Suntrust to lease my funds I have no money left as they XXXX of my money to transfer to my account I am a senior caring for my husband with XXXX I paid for everything and by the time I could get the funds to pay it was a new year and now XXXX is requesting more money. I am desperate. XXXX me the XXXX I will pay you back I promise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
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: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: Violation of Arbitration agreement 15 USC 6802, 15 USC 6803, 15 USC 6804 and 15 USC 6805 Sharing my personal information and accounting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Truist assumed my mortgage from XXXX XXXX in XX/XX/XXXX. I was notified by Truist in XXXX that they had assumed the loan, and set up ACH automatic payments to be paid directly from my financial institution to Truist at the address they provided. Each month from XX/XX/XXXX- XX/XX/XXXX, the ACH funds were deducted and a check was mailed to Truist at the address on file. Each month, I called to confirm that the payments had posted, yet in XXXX Truist claims they did not receive payments. In XXXX, I contacted Truist again and asked to launch an investigation into the source of the ongoing payment issues. XXXX XXXX, and my financial institution representative worked to investigate the issue : it was determined that the remittance address that was saved in the ACH system was incorrect. We quickly worked to make the necessary address changes, I made several Overpayments to make the account current. Yet, Truist refused to report their clerical error to the credit bureau. This has resulted in many negative consequences to my consumer lending. I am trying to refinance my home. I need help from you since Truist is refusing to assist in clearing the reported late payments for XXXX XXXX. Please expedite this process if possible. I have attached all supporting documentation for your review. Thank you! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Theyre being prejudice against me theyre denying every application title, XXXX subsection title, XXXX faults, misleading in denial of my own personal credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX, and I am the account holder of XXXX XXXX XXXX at Truist Bank. Unfortunately, my account has been frozen without any prior communication or explanation, and despite numerous attempts to resolve the matter directly with the bank, I have not received a satisfactory resolution. I have made over XXXX calls to Truist Bank 's customer service department, but each time, I am met with a lack of updates or information regarding the status of my account. This situation has persisted for more than XXXX days, during which I have been unable to access my funds. The financial burden imposed on my business due to this account freeze is becoming increasingly challenging to manage. Despite assurances from the bank that the issue would be resolved within XXXX hours, there has been no improvement in my account 's status. In light of this, I find it imperative to seek your intervention in facilitating the immediate closure of my account and the release of my funds. I have attached relevant documentation, including records of my communication with the bank, to provide a comprehensive overview of the situation. I kindly request that you investigate this matter and take the necessary actions to ensure a prompt resolution. I understand that your bureau plays a crucial role in safeguarding consumer interests, and I trust that you will treat this matter with the urgency and attention it requires. If there is any additional information needed from my end, please feel free to contact me at XXXX XXXX XXXX or via email at XXXX I appreciate your prompt attention to this matter and look forward to a swift resolution. Sincerely, 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: TX
Zip: 77479
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist Bank blocked my account stop me from receiving my funds held my income tax, and 15 USC 6802, 15 USC 6803, 15 USC 6804, 15 USC 6805 it was reporting my personal information to different agencies breaking the arbitration agreement and title 15 subsection title, 1611 faults and misleading denial of my own credit,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33167
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I Have Hard Inquiries On My Credit Report From Lightstream Bank, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX. I Have No Acknowledgement Of These Inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10459
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: I went on Covid forbearance due to loss of income for 18 months. I then reached out to Truist to see how I could begin making payments. I was told different things every time I called. One person said that I would received a packet, but all I received was letters requesting repayment to avoid foreclosure, others were requesting income and tax information. I then went to a branch on XX/XX/23 and had a manager facilitate a call with Truist. The call center, XXXX, advised me that I needed to bring my outstanding payments under 18 months to request a deferral. I made two payments over the phone to do so and it covered the following months payment to cover me while I waited to get approved for deferral. I did not received anything regarding a deferral nor did I receive any calls during this time. I then reached out in XXXX to see if my deferral was approved. They said that I had passed the deadline of XXXX XXXX and that I needed to participate in a trial payment plan and loan modification because I no longer qualified for Covid forbearance related deferral. I had requested this in XXXX and I had continued making mortgage payments while I waited to hear from them. I believe that I have exhausted all requirements and should be afforded a deferral without an increase in my term. I feel that my case was mismanaged by Truist from the start and their own incompetence has led to my situation. Please advise.
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: 2024-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was checking my credit report and noticed that I have multiple inquiries showing on my credit report that I have no knowledge of or never did business with to pull my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-10
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I applied for a loan for my roof replacement prior to agreeing to proceed with XXXX XXXX XXXX for the work ( confirmed work contingent upon accepted financing ). We discussed the project costs, terms rates and installment payment amounts ( which was already more expensive than it should have been, particularly since I paid XXXX XXXXXXXX out of pocket separately from the loan ). We reviewed and completed the paperwork, I made the initial deposit that day, and we scheduled the work to commence the following week. The work began as planned. Then during the installation, they hit a small snag and werent able to do one part that was quoted. The project manager was vague about the change, and said they would credit the balance since it wasnt completed. They forgot to do a part of the roof replacement ( side over entrance off driveway ), so they started demo late, to be completed the next day. Then they said I had to pay for an extra board due to rotting wood, but rather than charge me they would just take it from the refund they owed and it would be a net XXXX change. They did not give me any paperwork to match this change. It seemed like everything was resolved and the work was completed. They did have me sign ( on an XXXX ) that the work was completed & slight change in work ; balance was the same. I requested copies of the paperwork for my records, which were to be emailed, but I didnt receive them. I also requested confirmation of actual costs of materials and labor provided to verify the actual items ( particularly due to this change order ) which was never received. I was told the finance company would send my bill after the work was completed. I waited a few weeks and no bill arrived. Then I finally got my first bill the week first payment was due ( a couple days ) but it was all wrong. The account showed the rate 2 % and higher monthly payment, which I had not only never seen but absolutely would never have accepted or gone through with the work. I called the company to have this fixed quickly so I could make the correct payment on time. After a disconnected call and speaking with 2 different reps was only able to submit a complaint. They told me it would get fixed and hopefully before the 15 day threshold so not to worry about account standing- they also admitted that it could have been denied and subsequently put through a different rate or the vendor could have processed without customers knowledge - both of these options are illegal and would void any contract and would invalidate the loan due to fraud. I called to check later in the week and the complaint was still in process, I sent an follow up email too. Then I got a message that they closed my complaint. I didnt get any new paperwork and the account wasnt updated online either. I told the company I could not make payments on a loan that was not correct, this is not my loan is not accepted and needed to be corrected before any payments could commence. I called back and also emailed to reopen the complaint, but got no response and to date the account is still not fixed. Also during this time I reached back out to the project manager ( XXXX ) to get copies of the change order and completion report since I still hadnt received them and needed for my records. He sent screenshots via email. These were only XXXX XXXX XXXX ( change order and completion survey ), they did not have any rate or loan information on them and nothing to do with the financing, but at least I had copies now. I still never received a copy of the material costs and labor breakdown. I didnt apply for, or accept, any other loan or repayment terms or process any paperwork directly with the finance company, so there is no way this account is valid. One of the reps at XXXX XXXX said they might have actually denied my initial application and changed it after my initial application- but if that was the case I would have received a counter offer and been given the option to accept or decline and be able to do so BEFORE the work started, and during the rescission period to allow me an opportunity to decide, and I wasnt notified of any changes to proposed loan. I had no direct contact with the finance company other than receiving that first bill. I have sent several complaints via online web form, email and calls and they still have not fixed this. To switch the account or any terms without the borrower consent, or even knowledge, is not only wrong ; it is criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A