Date Received: 2022-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am submitting this complaint on behalf of my XXXX XXXX XXXX XXXX, XXXX XXXX. I am her legal Power of Attorney. On the night of XX/XX/2022, I discovered the Checking Account for XXXX XXXX at Truist Bank had a significantly lower balance than expected. After reviewing all transactions, it was discovered that a check initially written to North Carolina XXXX XXXX in the amount of {$310.00} had been altered and was a mobile deposit made out to XXXX XXXX in the amount of {$8500.00}. Upon visually reviewing the check, it is obvious the handwriting for the " Pay to the Order of '' and the amount did not match the signature, nor do those fields match any of the handwriting on any previous checks. No one from Truist attempted to verify this transaction prior to releasing the funds. On the morning of XX/XX/2022, my Mother ( XXXX XXXX XXXX and I met with XXXX XXXX at the Truist Branch in XXXX XXXX in XXXX XXXX NC. He initiated a Fraud Complaint in the Truist Computer System. An Affidavit summarizing the complaint needed to be signed by XXXX XXXX and notarized. There was not a Notary available at that branch location, so we were sent to the XXXX, NC Truist branch to meet with XXXX. We drove straight to that location, where the Affidavit was signed by XXXX XXXX and notarized by XXXX. XXXX stated she would submit the Affidavit to the appropriate department. I contacted Truist Fraud Department later in the day on XX/XX/2022 and was told they were waiting for the signed Affidavit to be uploaded into the system before they could give me any updates and that enough time had not passed for it to show in their system. I called again on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022 and was repeatedly told the same thing, that the Affidavit had not been uploaded into their system. On XX/XX/2022, I received an email from Truist Alerts that they had been attempting to contact my Mother at the phone number provided at the time the claim was filed and that she needed to contact them within 10 days or the claim may be denied. I have reviewed XXXX XXXX 's cell phone log, and no one from Truist attempted to contact her. On XX/XX/2022, I sent XXXX XXXX ( the Banker she originally filed the Fraud Complaint with ) an email explaining that the Affidavit still has not been received by the Fraud Department. He called me by phone on the morning XX/XX/2022 and said Truist is unable to locate the signed and notarized Affidavit and suggested she sign another one. She went to the Truist branch on XXXX XXXX in XXXX XXXX NC prior to XXXX on XX/XX/2022 and signed another Affidavit. The Notary at the Branch uploaded the document via Truists ' online system. I contacted the Fraud Department late in the XXXX on XX/XX/2022 and was told the Affidavit was not showing up in their system. On the morning of XX/XX/2022, I contacted the Truist Fraud Department and was again told the Affidavit was not in their system. I asked to speak to a Manager and then the Representative XXXX XXXX XXXX told me, the Affidavit is in their system, but she could not give me any updates. I immediately went to the XXXX XXXX Truist Branch and met with XXXX XXXX and discussed with him, that we had notified Truist of this issue 11 days prior and nothing has been done. I also asked for a copy of Truist Policy/Procedure regarding mobile deposits. XXXX called me back 2 hours later to tell me he had confirmed withe the Fraud Department that they had all the documentation they needed to proceed with the investigation and I was told the investigation could take up to 90 days to complete. I still have not received Truist policy/procedure on the handling of mobile deposits nor has XXXX XXXX XXXX {$8500.00} that Truist allowed to be fraudulently withdrawn from her account been returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: IVE TO PAY MY CAR NOT AND THEY'VE THE AUDACITY TO LOCK MY ACCOUNT AS A CONSUMER YALL Dont HAVE NO RIGHT TO CLOSE ANYTHING OF MINE. 15 USC 1681. YALL ARE REALLY XXXX ME OFF BECAUSE IVE STUFF IVE TO PAY. WHAT IS SUSPICIOUS LIKE HOW ARE YALL GON NA DICTATE MY ACCOUNT. YALL NOT FOLLOWING NO FEDERAL LAWS AT ALL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2022-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I received a scam email from XXXX in which I responded and sent {$1000.00} as instructed from my banking institution. Upon realizing this was most likely a scam, I immediately called my financial institution to stop payment. The bank told me there was nothing they could do and informed me to contact XXXX, who is also stating there is nothing they can do to regain my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 292XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I obtained a simple interest loan in XXXX with Regional. The first monthly payment was due XX/XX/XXXX in the amount of {$590.00}. I made the very first payment on XXXX XXXX in the amount of {$600.00}, I also made a verbally indicated separate principle onlypayment of {$50.00} on this same day., both by phone to agent. I received statement/ receipt notice dated XX/XX/2022. On this statement/ also receipt I received, as well as, online DOES NOT show nor provide COMPLETE ADDITIONAL payment breakdown nor allocation of excess payment. I then proceeded to call regional and spoke with first female representative expressing valid concern regarding additional principal payments not indicated on receipt. She proceeded to confirm the principal payment was applied to principal but in order for customer to have record of payments in itemized detail showing additional payments, the customer have to call in every month to request by way of a supervisor showing complete payment breakdown. My concern is that this company is intentionally not giving complete payment history nor allocation on their website or their receipt statements of consumers payment Consumers have to call in and request itemized payment history to show additional payments and allocation in its entirety per month from a member of management if they are available. My concern is that this is a huge billing deficiency within this company. The consumer shouldnt have to call to get a complete itemized payment history every month when this information should be indicated, included and legally shown on monthly statements and receipts as payments are made for consumer record keeping and to ensure no company billing errors as anything else consumers purchased, pay for or paid on. I respectfully request this issue to be investigated and amended that this company start reflecting what consumers are paying them in its entirety on line and on mailed receipts for consumers as well. One other main point I would like to make is that I spoke with a supervisor after initial rep and she couldnt even pull up the receipt/statement that they mailed to me dated XX/XX/XXXX on today XX/XX/XXXX in order to throughly go over what my concern was. Consumers should have in their possession as well the same itemized payment information on this as anything else they pay their hard earned money on or for. Regional is not providing complete monthly payment documentation to consumers ensuring accuracies and no calculation errors on their part especially when consumer is trying to pay loan off earlier than the contractual term.Also there are hundreds and hundreds of billing issue complaints against them and actual billing errors on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was told that my case was ongoing and no payments were due, I now found out Im 6 months behind. I called 20 times this year and bank told me that they are still sending documents and when i got them notarized I would start making payments Now I found I owe {$7000.00} I have no fore-closer date or anything its like Im in limbo. They also told me any payments this year before documents were submitted would be due at end of loan no they are telling me something else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Truist Bank is in violation of Federal Law bye means of XXXX XXXX XXXX XXXX XXXX They Truist Bank XXXX XXXX NC must cooperate fully with an in Criminal Investigation conducted by they FBI ( XXXX NC ) The Name XXXX XXXX XXXX and Excellent edit Rating is at Seruous Risk becausr of Double XXXX by Truist Bank over Information Theft Investigaste with Impuunity! XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-07
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: This is continuation of existing complaints : XXXX XXXX In short Truist marketed an offer for me of balance transaction fee of 3 % but hided the fact it's not XXXX interest, failed its obligation to protect consumer but utilizing miskeading and abusive practice to old people ; they're delaying response to charge maximum interest As of today, they had charged {$300.00} and interest of XXXX ; I have paid {$5600.00} back to the bank and plan to pay remaining balance {$4600.00} I borrowed from the bank, but I can not pay them $ XXXX for nothing ; I would request Truist refund the interest and transaction fee after pay off my debt borrowed from them, as basically this is not the deal I wanted and Truist marketed to me CFPB should take its responsibility to protect consumer, otherwise I reserve right to resort to legal process.
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: 2022-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I was scammed using XXXX. I was trying to sell something and the person told me to send {$500.00} to myself through XXXX to open the account. Then he said he sent {$500.00} and had me send another & XXXX to release the funds Of {$1200.00}. Then he told me there was not enough and I got what I thought was a letter from my band Truist telling me to send another {$200.00} to this Truist account. Pending in my bank account is the amount of {$1800.00}. The person keeps messaging me to send him his money he invested into the account. I have called my bank three times and they said they cant do anything while it is pending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I cosigned a consumer loan with another person. The remaining balance on the loan was {$3100.00}. The principal on the loan filed for XXXX XXXX Bankruptcy in 2019 and listed the holder of the loan as a creditor in the bankruptcy plan. I was not informed about the bankruptcy and I later learned that I was not listed as a co-debtor in the bankruptcy. The XXXX XXXX Bankruptcy plan was approved and the holder of the loan agreed to receive payments under the plan. I learned about the bankruptcy when I tried to get a loan a year ago. My loan application was rejected because of the bankruptcy. I requested a copy of my credit report. I was surprised to see an adverse entry on my XXXX credit report for that loan. I contacted XXXX by telephone and mail to protest the entry and to ask for an investigation. Subsequent to my request XXXX informed me that there was nothing they could do and that I needed to contact the lender. They have kept the adverse entry on my report. I contacted the lender by telephone and email but it will not take my calls or respond to my messages. I did not file bankruptcy nor was I listed as a co-debtor in the principal 's bankruptcy claim. The lender never contacted me to demand payment. Can a creditor adversely report a debt on a cosigner 's credit report without first demanding payment? Does a creditor lose its rights to demand payment from a cosigner when it agrees to accept payment on an owed debt under a bankruptcy plan? Should a cosigner on a debt, that is part of a bankruptcy plan, for which he is not a party, be subject to the same adverse credit report as the debt 's principal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2022-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am writing regarding a problem I have with Truist Bank, formerly BB & T. I have been a victim of identity theft. My checking account, which I had with BB & T ( now Truist ) for several years was compromised. My funds were restored, the account was closed and a new checking account was issued. The second account was breached within 30 days. Once again my funds were restored, the account was closed and a third account was issued. Both the second and third accounts were issued with " starter '' checks. Even though I was issued starter checks with each new account, I purchased my permenant checks through XXXX, as it is less expensive than purchasing them through the bank, and I never used the " starter '' checks. When I wrote my checks to pay bills through the third account, I began to realize that they were not showing up as having been cashed. When I asked the bank about the checks, I was advised that the last account I was issued was not for writing checks, but rather could only be used for my ATM card. I have never heard of a checking account that I could not write checks on. I am now being charged late fees by various vendors, because the checks were not honored. When I complained to Truist about this problem they refused to reimburse me for my late fees because the checks were not issued by Truist. I feel that I should be reimbursed since I was not advised that I was being given an account that was only to be used for payments I made with my debit card. Since I was given " starter '' checks, I had no reason to think I could not write a check to pay my bills. Whether the checks were issued by Truist or XXXX has nothing to do with the fact that they gave me an account that I could not use. I had a regular checking account to begin with and the second account was a regular checking account. I should have been assigned a regular checking account when third account was issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A