Date Received: 2022-08-31
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I live in California and opened a Truist acct online. Not only was I able to open it but I was able to fund the acct. Initially I was told an ATM card was ordered and that is how I would be withdrawing from the acct and depositing into it. So I waited ... and waited ... and waited. I called about 3 times to follow up on the ATM card that never came. Finally, I was told that the account was never opened because I live outside their footprint area so the ATM card was never ordered. When I asked for my money back I was told I had to go into a bank branch. The nearest bank branch is THREE STATES AWAY in TEXAS!!!! Going into a bank branch is NOT an option yet they will not close my account nor will they give me my money back. Since opening the account, Truist has been taking {$12.00} per month as a " maintenance '' fee. However, I am not clear why they are charging me {$12.00} per month on a closed account that was never opened. All I want is to close the account and to get my money back. ALL of it. It is only {$80.00} that I initially transferred in to fund the account so it isn't even a huge amount for a bank. For a single mom with XXXX kids who is currently unemployed, it is HUGE! And they are not offering any other solution other than for me to go into a bank branch in Texas to close the account. If they took my money via transfer, they should return it via transfer. There are a myriad of ways to send money yet they are unwilling to do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91367
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We took a cruise on celebrity cruise lines and had a back to back and they gave me a XXXX test the day before the second cruise was supposed to begin on the ship and told me I had XXXX even though they sent a doctor in and I showed no signs of XXXX and he wouldnt give me another test saying that its like a XXXX test once youre positive youre always positive. After they a banded us on XXXX XXXX I called visa Credit card that is with truest bank and filed a dispute with them because on the ship they wouldnt give me a credit until they said the manifest is ending so at the end of the second cruise. I called celebrity cruise lines at least a dozen times trying to resolve this but to no avail. I kept calling truest banks dispute department and they told me that they have not gotten any response from the merchant and then on XX/XX/XXXX they said they have not heard any response so they are giving us restitution and that the credit that they provided to us would stay on our bill so I checked my bill in XXXX and nothing was on it as it was resolved so we went on vacation and came back to three letters stating that they finally talk to them and told them that I canceled the cruise which is a LIE.. and since I didnt send in a response to those letters from the dispute department at truest bank asking me if I knew celebrity cruises cancellation policy which is not what I disputed back on XX/XX/XXXX when I filed a complaint with TRUIST dispute department for the visa bill. We were disputing that they kicked us off the boat and I was supposed to get her a full refund +2 days of isolation as thats what they told me a customer relations on celebrity cruises ship. So then The dispute department at truest bank reversed the credit and gave me a debit for the amount of {$3100.00} and some change. I am mediately filed another dispute disputing the first charge plus the reverse of the second credit reversal charge and was told by a lady named XXXX that it would be reopened and only found out yesterday on XX/XX/XXXX that it was never Reopened again meanwhile I took it upon myself to text celebrity cruises and tell them that they still owe me a refund and they did it show me one for {$2200.00}. on XX/XX/XXXX. I mean really am I supposed to be doing the work of the visa TRUIST dispute department. Im still do money and it seems like no one TRUIST wants to help me in either the dispute department or upper management. Please get back with me I hope that you can find in your heart to resolve this situation for us
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32084
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Other transaction problem
Subissue:
Consumer Complaint: Someone entered my TRUIST bank account and withdrawn {$810.00} dollars via XXXX yesterday, XX/XX/2022. I've called the bank to stop that transaction because it's still pending, but the bank doesn't do anything, and they ask me to go to the offices tomorrow in the morning. They don't have a customer support service to talk to a bank representative, they just put people on the phone who speak another language and it's hard to understand them. I need the bank to stop these transactions and return my money, ( {$810.00} ) which is to pay the mortgate, since I am already two months late due to the critical situation of the economy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-31
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Someone stole my identity and now I cant open a account nowhere because they wrote bad checks and all on me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THIS IS A NOTICE FOR REGIONAL ACCEPTANCE : Upon discovery, on XX/XX/2022 REGIONAL ACCEPTANCE obtained my private information from XXXX XXXX XXXX XXXX without my written instruction or consent which in turn has ruined my reputation. Upon receipt of this notice and my written instruction, this inquiry needs to be deleted within XXXX from all Credit Reporting Agencies XXXX An Identity theft report has been filed, and you will find REGIONAL ACCEPTANCE as # XXXX on the report attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with Truist financial institution. I currently have one commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. Truist 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with Truist the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: To whom it may concern, My name is XXXX XXXX ( formerly known as XXXX XXXX ) and I presently have a mortgage for my home on XXXX XXXX XXXX. The mortgage providers are called TRUIST '' formally known as Suntrust ''. To make regular payments on my mortgage, I set up an online direct deposit on XX/XX/XXXX. This payment system ensures that on the XXXX of each month, {$800.00} is to be distributed to TRUIST. On XX/XX/XXXX, my mortgage was sold from TRUIST to XXXX XXXX XXXX ( XXXX ). I did not receive notification of this transfer until XX/XX/XXXX. In addition to the notice of change, I also received numerous concerning letters and phone calls from XXXX regarding my payment delinquency, and threats of foreclosure. Im confused by this because my direct deposit payments from my bank have continued. Those payments have been on time and consistent since XX/XX/XXXX when I first started direct deposit mortgage payments. I have documented proof of these consistent payments from the last eight months ( from XX/XX/XXXX to XX/XX/XXXX ). It appears that the months of XXXX, XXXX, XXXX have not been transferred from TRUIST to XXXX. All together, it totals an amount of {$2400.00}. Ive attached a copy of my bank history query from the last eight months which indicates each direct mortgage payment sent successfully to TRUIST and was never returned. I would also like to note that this isnt the first time Ive had an issue with TRUIST. On XX/XX/XXXX they issued a late fee to my account when they had in fact received a payment. After investigating, TRUIST had resolved the issue. This time, its not being resolved and they have not been responsive at all. Ive called both TRUIST and XXXX numerous times on many occasions to resolve the issue but my efforts have been unsuccessful. If you could help me retrieve those funds from TRUIST that would be greatly appreciated. I look forward to hearing from you. Sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VT
Zip: 053XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello. In XX/XX/XXXX I owned a XXXX XXXX XXXX vehicle. That vehicle had broke down in XXXX, FL and I had it towed a dealership called XXXX XXXX XXXX. XXXX XXXX XXXX would not work with me to setup a payment arrangement because at that time I had also lost my job due to Covid. So I had a monthly payment due as well as now the vehicle needed repair. I immediately sent an email back to the manager on XX/XX/XXXX advising them to pick up the car because I could no longer afford the payments. Please see first email attachment. The balance on the car at that time was a little over XXXX owed. I also spoke to the same manager over the phone and they also confirmed they will be sending someone to that dealership to pick up that vehicle. I then called the dealership and advised them to NOT work on the car since it will be picked up by XXXX XXXX XXXX Well months go by and I never heard another word from anyone. I just assumed the car was picked up. I was just waiting on the final deficiency balance to arrive in the mail. Well toward the end of XXXX early XX/XX/XXXX I started getting calls from XXXX XXXX XXXX looking for the car. I was soooo confused then followed by a letter in the mail stating XXXX of XXXX XXXX SOLD the car at an auction. How is that possible?! I then received a call from a tow driver asking when will be a good time to pick up the car? We are like 6 months into a new year and the car should have already been picked up but XXXX never picked up the car. I then forwarded a copy of the auction letter over to the tow driver who then stated he will be reaching out to XXXX XXXX XXXX since it showed he was looking for that car in my possession. Please see second screenshot of the letter. A few weeks later in mid XX/XX/XXXX I then received another call from someone in collection at XXXX stating I will owe the balance of XXXX ... .How the balance jump from XXXX to XXXX? That is not right. According to the law I was under the impression the car would be sold and I would pay the difference which is called a deficiency balance which should be way lowered than the XXXX... So XXXX XXXX XXXX has NO CAR to sell but yet displaying that full balance on my credit report. That balance is inaccurate and I need representation to get some help with clearing up this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Getting the loan
Subissue:
Consumer Complaint: I've recently applied for a loan for an investment property home improvement. The Loan was denied for reasons that don't accurately follow the listed process for credit approval. I have an existing loan with this company, have never had a late payment, and was approved by the company when at the time I applied for it I had more credit debt and inquiries than I currently have. Additionally, my credit score is higher currently than when I was approved for the previous loan. There claim that I have " too many recent inquiries '' for which the total amount is only 4 and this includes there's recent inquiry. The most recent inquiry was 6 months ago and the other 2 are a year old. None of my revolving credit is over 50 % usage yet they claim it is too high. My overall credit is 45 %, and nowhere on the site does it state the threshold of what is considered " too high ''? Based on what they do state on their site which is " Apply, Accept Loan, and deposit '' as well as the " Characteristics shared by XXXX customers '' my applications beyond qualify but the reasons for decision-making do not add up and are misleading and or inaccurate to the process of applying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2022-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Submitted online check payment to be paid to XXXX XXXX on XX/XX/2022 for {$470.00}. Check never made it to XXXX XXXX. Received a late payment and had to pay 3 % service charge to XXXX XXXX to pay over the phone with a credit card since my payment wasn't received from Truist bank. Paid XXXX XXXX {$490.00} on XX/XX/2022. Called Truist back to tell them I wanted to put a stop payment on a the check for {$470.00} on XX/XX/2022. I haven't received my money back from Truist. I have talked with Banking Center representatives at the XXXX XXXX XXXX in XXXX XXXX, GA. I have talked with Customer Service 4 times on the phone and had no resolution to date. I have spent over 5 hours speaking with people to get the {$470.00} back that they confirmed the check had not been cashed on their end. I was told a stop payment was going to be completed over 10 days ago and should receive a credit back and still hasn't happened. They are not telling me to go back into the banking center which is where I started a month ago. I don't know what else to do. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A