Date Received: 2022-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The companies that I submitted have made inquiries on my account without my knowledge and have chosen after receiving my first complaint to leave them there due to specifics instead of verifying that it was allowed initially ; which is unlawful. 15 USC 1681 a 2 ( A ) i
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89122
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-30
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been trying for 3 weeks to get a transaction history of my mortgage account with Truist back through XX/XX/XXXX. Online data only goes back to XX/XX/XXXX. I need this information to satisfy underwriters for a new mortgage I have been trying to settle on at another company. My mortgage with Truist was under forbearance and so nothing was reported to credit reporting agencies, yet I was charged late fees for the first XXXX months of forbearance. I have asked Truist to refund those fees. I was verbally told when I entered forbearance that it would begin XX/XX/XXXX, however it was nearly another 7 months until I received a copy of my Forbearance Plan, by letter dated XX/XX/XXXX, and it was unclear about the status of XX/XX/XXXX and XX/XX/XXXX. Forbearance ended after suspension of my XX/XX/XXXX payment. The underwriters for my new loan do not understand how Truist was reporting my XX/XX/XXXX payment. A letter to me dated XX/XX/XXXX states that no fees will be assessed nor reports made to credit reporting agencies while they processed a final solution. I have talked to the manager at my local Truist branch, but they do not have access to mortgage records and told me to call mortgage services. The first time I called, they promised to email that information in 24-48 hours, which they did. However, they failed to tell me that it would arrive in a time-sensitive email or that it could not be opened by any mobile device, which is all I own. The sender did not respond to my email request for additional help opening the email. The second time I called, they promised to resend the transaction history after suggesting I ask Suntrust bank instead and would expedite my request and it would likely arrive in 24 hours. It did not arrive at all. The third time I called, the surly man who answered told me it had been mailed instead on XX/XX/XXXX. When I asked to speak with a supervisor, he disappeared from the conversation without telling me I was being put on hold for so long I thought the call had dropped. Then he came back on the call and asked if I needed anything else, saying no supervisor was available and he scheduled one to contact me. That never happened. I need this transaction history to settle on another mortgage. I dont understand why it is so difficult for Truist to provide it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 245XX
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: Managing an account
Subissue: Banking errors
Consumer Complaint: It is XXXX XXXX thing after another with the bank. Customer service has XXXX XXXX since they bought out Suntrust. I now have a negative {$50.00} balance because of a XXXX with the bank and a merchant. On XX/XX/XXXX I paid for a grocery delivery from XXXX but never got the food because the XXXX making the delivery went to the wrong place. I got a refund from XXXX for {$52.00} on XX/XX/XXXX. Then somehow magically I get charged {$52.00} AGAIN by XXXX on XX/XX/XXXX and it overdraws the account. I call XXXX and they tell me they issued the refund and don't know what is going on. I call Truist and spend half my XXXX life on the phone and they do nothing about it. Makes me want to pull my hair and teeth out while chewing on my sinews I am SO XXXX SICK of having to fight over things over and over and over with them. Who the XXXX is charging me the {$52.00}!! No one seems to know!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
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: Fraud or scam
Subissue:
Consumer Complaint: Dear CFPB, I always come to you for my issues and you've never failed to disappoint me. Actually issue is that I sent money via XXXX to a business for some goods that I placed order for. However later on that business stopped responding to my texts and then blocked me. I tried to do the dispute with the bank ( Truist ) but there was no assistance provided since it was a XXXX transaction. I want your help in launching this dispute with the bank. I am happy to provide any evidence they will be needing. Thanks and looking forward to your assistance here. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Funds were available in account during all transactions were processed except 1 XXXX {$14.00} XX/XX/22 Yet I was assessed XXXX overdraft fees starting from XX/XX/22 & 1 was from Truist banking fees yet terms & conditions states is only for debit card transactions? so 6 fees over 1 transaction? Extremely unfair! & upon calling customer service I was told I have had previous fees removed? Impossible as this Is a brand new account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: I have had a loan with this company for just over a year. somehow I get charged fees each month but am unable to see what they're for bc I can not view all my statements online. I can only view the ones when I was enrolled in online statements. I have lost previous statements bc I assumed I could view them. I paid the fees that were up to {$120.00}, bc I assumed I had been late or had a payment returned. the month after I paid those fees, I was showing an additional {$150.00} in unknown fees. I can't talk to a human, they only have an automatic phone. I requested my statements be sent to me and that was XXXX months ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: On XX/XX/XXXX, I paid XXXX dollars to truist bank auto loan account number XXXX, and I paid XXXX dollars more because Tfs recovery ( Truist XXXX company ) employee asked. after that, Truist updated from XXXX to XXXX dollars. But illegally Truist changed from XXXX to XXXX. Digital forensic way can be applied to their wrongdoing. Warranty extension I did not want and I did not get any service, so, XXXX dollars monthly bill should be decrease to XXXX dollars. So Truist bank owes me around XXXX dollars. XXXX XXXX more than XXXX miles XXXX is not same value price with XXXX XXXX or XXXX XXXX. Paying XXXX dollars is overcharging and abuse. Consumer financial protection bureau and FTC should stop their wrongdoing for many clients in the USA. www.worldIntelligencesummit.com
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: My Truist account was closed and I am unable to open an account with them or any other financial institution. I replied to a job offer a a XXXX XXXX and they sent me fake checks insisting that they were real and I would be working for their company. However, this company has been producing fake check with my name printed on them. I would like to explain this was not to my knowledge or the bank tellers knowledge when I deposited the checks. I had no one explain to me what should be done. I was simply looking for a side job for a car. I am currently employed in a XXXX XXXX XXXX as an XXXX XXXX and work full time and am in need of a place to exchange money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: From XX/XX/XXXX to XX/XX/XXXX, I was unable to access my mobile banking account for more than a couple of hours. My real estate transactions and credit restoration services funneled money into my accounts. Upon calling Truist to get my account balance, the customer service representative told me the account number I requested did not exist, which frightened me because I had taken a loan not even 1-2 months ago. To skip waiting hours for the banker, I asked a teller to pull up my account and they couldn't locate it either, so I sat down with XXXX XXXX, the senior banker at the branch in XXXX. As I did not use that account for anything, he notified me that one of my accounts was overdrawn by a considerable amount. XXXX insisted that it had to have been given to someone, which I insisted I did not authorize nor do I use the debit card myself because of the risk debit cards impose when put in the wrong hands. I explained that I do not use debit cards. He pointed out that my credit card was overdue, which I didn't know because I couldn't access mobile banking and my auto-pay was disrupted by the merger. As a courtesy, XXXX waived the late fees on the account. When I remitted the payment information for my car, the auto-pay was not set up. My visit to the branch in XX/XX/XXXX was to make sure my accounts were in good standing and to try to get access to mobile banking after 30 years of trying. I was notified by XXXX that I was credited the money stolen from my account, but I told him I did not believe the balance was correct. My accounts were not resolved until well after the bank closed. The {$2500.00} I paid for my car payment came as a shock to my finances because I was unaware that my payment remitted and request for autopay had not gone through. My bank account can not be accessed by phone or branch teller. As soon as I paid, I was kicked out of the app. I wrote an email to XXXX about my loss of access after I was on the phone for over an hour with a customer service representative without any resolution, which was frustrating as I was leaving for some time and could not monitor my bank activity.The issues that stemmed from this merger had caused a lot of damage to my credit profile and finances when I returned. As a result of the auto pay failing, I was behind on my auto loan. One of my credit cards failed to go through auto-pay despite working with the banker directly to set it up, which resulted in late payments being reported twice to my credit report. The fraud took place on my escrow account ending in XXXX. The account was closed and charged off. To safeguard my personal information and identity, I changed my phone number, my email address, changed sensitive passwords, reordered all credit cards and debit cards, as well as updated my extended fraud alert with the credit bureaus. As soon as I returned home, I lost my ID and went to the DMV to find out that my license had been suspended because I requested bill pay, which did not occur, resulting in my license being suspended. Due to a glitch in bill pay, the {$20.00} monthly payment I requested to be drafted did not get processed properly. The collection balance is over $ XXXXDuring my absence, my child 's father was involved in a major XXXX XXXX that nearly took his life, and the payment issue left me immobile. I had to write a letter to the judge to explain the issues I have been experiencing in hopes she will have mercy on me considering the reason I was away was that I needed XXXX to recover my XXXXXXXX and time away to maintain it after I had experienced a XXXX XXXX due to overworking and stress that led to major XXXX and XXXX. On XXXX, I went to a Truist branch in XXXX XXXX and waited for quite some time to find out where I stand with them. Since I misplaced the card of the senior banker, I can not refer to him by name at this time. As far as the charged-off account, auto-pay issues, and auto loan information are concerned, he explained what he could see from his end. Upon explaining that I had signed documents to resume auto pay with XXXX XXXX, he said he couldn't see them, which was strange since auto pay worked on XXXXne account but not the other. After I deposited some checks I had been holding, he recommended I resolve the payments that were behind and pay my car payment immediately. The Truist Auto Loan Department 's XXXX informed me that she could only waive one late payment and any additional reimbursement would have to go to a back office, which she said she would request.It was important for me to make sure my credit would not be affected by technical issues, so I asked her for the telephone numbers of each department that handles bureau-related disputes. XXXX then transferred me to XXXX in Suntrust 's credit card department, now Truist. Despite visiting my local branch personally, XXXX and I discussed mobile banking and autopay. In my absence from mobile banking, I noticed that both late payments were reversed on both credit cards and that one autopay had been processed while the other hadn't. While I was away, I couldn't visit a Truist branch because there is none in XXXX XXXX XXXX XXXX. Despite using more than one system to push through the auto-pay, XXXX was unable to process it. After 10 days, she has not called me back after taking my contact information and promising to fix the auto pay issue. Due to the issues with my Truist banking experience, my credit score has declined by XXXX points, causing my insurance premium to increase for my renewal, which has motivated me to file complaints.In addition to the ATM incident, I have noticed suspicious activity impacting some of my other credit cards, including a state prepaid card, which I did not link to the possibility of my information being compromised until a customer service representative asked me to email supporting documentation to XXXX. Because more than one card was impacted and the situation with the ATM, I believe there has been a breach in the Truist data. Upon further research, I discovered that the bank has been a hotbed for fraud with this transition, so I filed a police report and an identity theft affidavit.I began filing complaints and writing letters on XX/XX/XXXX. To ensure the information provided was accurate, I logged into my mobile banking and noticed two transactions that I did not recognize, including a charge of {$550.00} from XXXX XXXX as well as a payment of {$100.00} from XXXX XXXX. Because I typically do not process payments from my bank account or use debit cards, I immediately contacted the fraud department. My fraud support representative, XXXX, told me the transactions were ACH transactions, but he didn't have information about the merchants, which I found strange. According to him, he advised me to freeze my account and reopen a new one, which I told him was not feasible at the moment since it was late at night on a Saturday and my business account is a hub for my merchant payments. I specifically stated that I am currently displaced and living in a XXXX and that taking that step abruptly would place me in danger. The supervisor expressed the seriousness of this new but ongoing issue with Truist and created a game plan to come up with a reasonable transition.In case I had inadvertently heard her name incorrectly, I was transferred to XXXX ( Account Security Supervisor ). According to XXXX, the account has been frozen and I need to open a new account or go to a local branch to unlock it. Before being transferred, I told XXXX not to proceed if that were to be the case ; it was done without my consent anyway. Due to living in a XXXX, the credit card I have has very limited credit availability, and the frozen account is where I receive payments, which now will be disrupted, causing further problems for me. According to XXXX, she would take note of my complaint and provide me with a number to call XXXX XXXX XXXX at XXXX Option # XXXX for any further assistance. However, XXXX XXXX XXXX is only open XXXX as well as the bank and my merchant. This merger has caused a great deal of mental stress during a fragile time while in recovery, I have dropped several points after several years of maintaining perfect payment history, my identity has been compromised, Ive lost my driving privileges temporarily, and my insurance premium has gone up, and I am losing money and time now that I have to navigate how to fix the issues with receiving my money appropriately and I feel that I should be compensated at this point for the magnitude of repetitive negligence at my expense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX I closed on a HELOC with Suntrust bank. At the time of closing, Suntrust was advertising that they would pay all closing costs associated with the loan. In the event that the home was sold or the loan was closed within 3 years, I would then be responsible for paying {$2300.00} at the time the loan was closed. I was told though, that as long as I took out a new heloc within 6 months, those closing costs would be refunded to me. During this time, Suntrust was currently merging with BB & T and would soon become Truist bank. According to the disclosure I received at the time of closing, it stated - " Effective on the date of the merger, any agreement, disclosure, form or instrument naming SunTrust as a part, constitutes a valid and binding obligation with Truist Bank even though the documents referenced Suntrust as the party in interest. The documents shall be read with Truist Bank in place of suntrust. The terms and conditions of any agreement, disclosure, form or instrument shall remain in effect unless modified or amended in accordance with any such provision contained therein. '' In XX/XX/XXXX I sold my home. At the time of the sale I went into a Truist branch and spoke the the Vice president XXXX XXXX. She confirmed that once I closed the Heloc I was going to pay the closing cost, but they would be refunded as long as I opened a new heloc within 6 months. I attempted to open a new Heloc through Truist one month after I closed the previous one and was told that because they are no longer Suntrust, they will not be honoring the refunded closing cost. I spoke to XXXX XXXX again and she said after doing more research, they would no longer honor Suntrusts initial agreement. I would like to file a formal compaint against Truist bank for not honoring the refund of my closing costs in the amount of {$2300.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A