Date Received: 2022-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act Credit and Financial Companies have violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I was a victim of identity theft, there were 3 auto-loans obtained in my name, two XXXX XXXX XXXX and one XXXX XXXX XXXX. First I received several letters from other banks who declined to approve auto loan due to lack of identity verification, including one from TRUIST bank, who latter approved a loan of {$71000.00} to nn person posing as me?! I am retired XXXX XXXX since XXXX and have not apply for any loan since then. I suspected identity theft so I put fraud alert and security freeze around XX/XX/XXXX, with all three Credit Information Services both for myself and my wife XXXX XXXX. I contacted all three landing companies and and filed fraud claims with their Fraud Management Teams. I was able to get problem solved with XXXX XXXX and XXXX XXXX, they removed their accounts from my credit reports with all 4 credit reporting companies. I can not resolve problem with TRUIST, although I signed an affidavit and sent them all requested documents. I disputed this also on my credit reports and only XXXX removed it from my credit. The person in charge with TRUIST said it is under investigation but since than no progress. The person who stole my identity claimed to be ( in my name ) a member of US Military services, which I saw from one of documents sent to me by mail. Also there is a fake phone number and fake XXXX divers license written on some documentsI ( mine ID is from XXXX ), that I mentioned in my affidavit. Also I saw forged signature on these documents.I called sales manger from XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX to report him this fraud too, no feedback.
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: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I've tried several times to get the remaining balance of my account with no success. XXXX called several names for thrown out of the branches. Truist Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08865
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: This was a case of Banking While XXXX I entered the Truist location on XXXX XXXX XXXX, XXXX Tx XXXX. I went to open an account for my business, however, the banking manager has different plans, he 1st asked for the documents for my business like normal, then upon review, he tells me my office is showing up on XXXX as a different business well this is because its a shared space, and any of those other business also have the right to list it as their principal address, however, this is where I pay a monthly lease to conduct business therefore its not some virtual space that doesnt exist. The Banker XXXX XXXX, refused to open the account at that moment, stating my address isnt valid without providing ( physically or verbally ) any published information stating this to be fact. He just told me if I dont want to open an account with truist then I dont have to Very rude, extremely combative, I work 50 % from home and 50 % in office. Even if this were the case where my business address cant be used to open the account, I should still be able to open the account using my home address. However, this option was never presented.This is illegal to not present all options and against their policy. I believe I was discriminated against simply because the XXXX of my XXXX. I filed a complaint with truist the complaint numbers are XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77573
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been working with the Maryland XXXX program to hopefully provide me with some assistance. I am in the final stages and have been told by the Maryland XXXX program directly that they have made a request for information relating directly to my loan in order to continue the underwriting process. They made a request on XX/XX/XXXX at XXXX and I was told on XX/XX/XXXX at XXXX that the Maryland XXXX XXXX has been in direct contact with our lender Truist via XXXX ( XXXX XXXX XXXX ) and that they have been unresponsive. At this point it has been almost 30 days. I contacted my lender the day the request was made and was told that it takes the Research Dept two business days to respond back to XXXX. Then I was told that they are backed up and it could take a little longer due to the amount of applications. It has now been almost 30 days and my most recent response was that they dont even have the request anymore. Im being told by the MD XXXX program that if my lender takes too long to respond it could delay or result in my application not being able to complete the underwriting stages. As the consumer Im stuck in the middle and it is extremely unfair and disheartening in already extremely stressful times for myself and my family. PLEASE HELP, I AM DESPERATE AT THIS POINT. Sincerely Signed, A man simply trying everything to keep a roof over his familys head.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, 21 transactions ( {$100.00} for each transactions ) from XXXX were processed on my Truist credit card that I didn't authorize. I was notified via a text alert, asking if I authorized the transaction. I responded 'NO '. The transactions went through anyways. After spending 3 months in their investigation, they finally informed me that those are valid transactions and I'm responsible for those charges about 2 days ago. I did not make those transactions and I also filed a police report for the incident. The amount has been deducted from my bank account through auto-pay and Truist refused to credit those charges back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have tried to work with this company several times about reporting this account with the credit report agency XXXX and wrong information being reported about the account, that is hurting my credit report. I have requested the company verify the amount owed and take off the past due payments that are being reflected on my credit report and this account is charged off but it still shows 5 missed payments and a past due balance which is a violation of FCRA on a closed account. They have not sent me any documents to verify the amount they are reporting on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card with Truist. I made the payment by mail and on XX/XX/2022, they took the payment, {$4800.00}, out of my bank account. It is now XX/XX/2022 and the online Truist account doesn't show credit for this payment. I called. The clerk could find no record of this payment. She said I had to go to a branch. Please force them to give me credit for the money they already took and stop charging me interest on what I've already paid. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We closed on XX/XX/XXXX. SunTrust/Truist purchased our mortgage and setup our account on XX/XX/XXXX. Estimated taxes at time of closing were {$6300.00} and Insurance was {$1300.00}, all documented in my closing disclosure, which Truist was given by law when they bought our mortgage. That is a total of {$7700.00}, of which a deposit into the escrow of {$2400.00}. The actuals for taxes were {$7900.00} and insurance {$1400.00}, so there was a shortage of {$1700.00}. Insurance actuals were presented to Truist at time of purchase and taxes come out around XXXX period, so they had that information for a number of months to try to use to help with the shortage before XX/XX/XXXX, but they did not. XX/XX/XXXX, Truist paid {$5500.00} of my escrow money to the wrong taxing agency. That money was not returned to the escrow until XX/XX/XXXX, which caused a storm of mismanagement of my escrow account by Truist. My first indication that something was wrong was an email/letter from Truist on XX/XX/XXXX, indicating that I was {$7900.00} SHORT on my escrow account and that my premium was being raised by {$810.00}. to {$2900.00} per month. On XX/XX/XXXX, I received another letter from Truist stating that my payment was changing to {$240000.00} and then another letter on XX/XX/XXXX, that my payment was changing to {$2200.00}. This was all looking better and making more sense to me by this time since I knew we were a little short from the estimates at closing. On XX/XX/XXXX, I received a notice from XXXX XXXX that my taxes were 3 months past due and would incur additional fees and charges on XX/XX/XXXX, if not paid in full. By this time, the tax bill had risen from {$7900.00} to {$8600.00}. I started calling Truist right away on XX/XX/XXXX. I talked to several people within Truist, which got me transferred to the tax department. People names and dates are found in the attached documents. I was told that Truist has talked to someone at XXXX XXXX named XXXX on XX/XX/XXXX, and that my taxes were paid in full. I called XXXX XXXX to verify and was told that I was not paid in full and that there was no one at that taxing office with the name XXXX. All a ruse. It was getting obvious that I did not want my escrow money managed by someone who could not do simple accounting or pay the bills they were taxed to do. Truist paid my taxes on XX/XX/XXXX, after telling me it would take 7-10 business days to pay it, thus incurring more fees and charges. Come first few days in XXXX, I received a check from my escrow account for {$550000.00}. What! Wasnt I just short somewhere between {$1700.00} and {$7900.00} according to the letters from Truist and my own calculations??? Back on the phone again XX/XX/XXXX. They claimed this time that they had the wrong account number causing the tax payment problems. What about the invisible XXXX? Truist also did not initiate a refund back to my escrow for the fees and charges caused by their mishap until I asked for it, after telling me, on XX/XX/XXXX, it would be automatically done since it came from two different accounts. That refund was given on XX/XX/XXXX. To top this off, Truist send me a letter on XX/XX/XXXX, that my taxes has increased to {$8600.00}, which was not correct. They were still trying to charge me for the fees and charges they incurred for not paying my taxes on time. Just one more shining example why my distrust in their ability to professionally manage my escrow account was growing. To this point, since beginning of XXXX, Truist had done 3 escrow analysis on my account, sent back money that they should have kept, paid my taxes 3 months late and tried to charge me for their failures. On XX/XX/XXXX, I also asked what to do with this {$5500.00} check and I was told to cash it, it was mine due to an overage in the account. I went over everything above with them and told them I was hanging on to it until they came back with another escrow analysis that it would trigger. After waiting a while, I deposited the check and sent it to my escrow account on XX/XX/XXXX. XX/XX/XXXX, another escrow analysis was done, and my new payment was {$2900.00}. XX/XX/XXXX, yet another escrow analysis was done, and my new payment was {$2400.00}. That is now FIVE escrow analysis on my account since XXXX due to mismanagement of my account. While this was all going on and I was on the phone, I was asking what I needed to do to take my escrow back from the bank and, since home values had skyrocketed and we had spent a lot of money on improvements ( pool, 1200 sqft shop, fencing, etc. ), to see if we could remove the PMI ( I had no idea they were linked, as detailed below ). The lady on the phone said she would put those requests in for me and to wait about 30 days for a response. On XX/XX/XXXX. XXXX, I received a denial letter for the PMI, stating that my loan value had to be 80 % or less and to either make a one-time payment or have a BPO done for {$100.00} to determine if we would qualify based off the assessors valuation. Notice what is missing here. Nothing stated that I needed to submit documentation of upgrades. Based off my research and talking to Truist, that was what the BPO would determine. On XX/XX/XXXX, I called and talked again to Truist about getting the escrow removed. I had lost count how many times I had asked this question. This time the person at Truist said I had to have the PMI removed before the escrow could be released. First time hearing that, even after several phone calls and letters! I asked to talk to a supervisor, only to be blind transferred back to the front-line queue. The new rep that answered created a customer complaint against the previous employee and all others that I had talked to about this misinformation being passed around. I am fairly sure nothing ever came about this. It is in Truists best interest to keep the public as confused as possible. There is nothing transparent about their dealings. I mailed the singed formed and the {$100.00} check back to Truist for the BPO assessment on XX/XX/XXXX and received documentation it was received by Truist on XX/XX/XXXX. On XX/XX/XXXX, we received a letter, and my {$100.00} check back, stating that since our loan was not 2 years or older, that they could only determine if our property had increased in value due to improvements. Once again, WHAT! This was never mentioned in any phone call or letter to date. In fact, the last letter from XX/XX/XXXX, specifically said that a BPO assessment would be acceptable, which would not only include XXXX done, but market values as well. Once again, Truist moving the goal posts. Once again Truist playing the role of XXXX pulling the football out from under XXXX XXXX. All they had to do was ASK for that documentation OR do the BPO! They decided to do neither. Once again, complete, and total mismanagement of my account. XXXX XX/XX/XXXX, I initialed and faxed a letter disputing all the issues above. I provided receipts totaling {$120000.00} in improvements, way more than needed to lower the value ratio to below the 80 % threshold. I also had my broker run comps in the area and provided Truist proof that houses in my exact neighborhood were now selling and listing for an average of over $ XXXX, also bringing the valuation of home to mortgage ratio well below the 80 % line. I sent pictures of the updates. I called on XX/XX/XXXX, to verify that the PMI department had in fact acknowledged that they received my fax. I was told by the representative that the account was noted that it was received into the system on XX/XX/XXXX. XXXX. The representative said they had 30 days to respond. XX/XX/XXXX. I called Truist again to see where we were on getting the PMI removed and my escrow back to me. I was told that there was no record of anyone from the PMI department responding to my request. I informed them they had 24 hours to cancel my PMI and to return my escrow back to me. I also informed them I was filing a complaint against Truist for the gross mishandling of my account. The ONLY satisfactory resolution that I will accept, at this point, is the removal of my PMI and for my grossly mismanaged escrow account to be turned over to me immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: These unauthorized transactions removed funds my checking account. XX/XX/2022 {$220.00} XX/XX/2022 {$290.00} XX/XX/2022 {$6.00} XX/XX/2022 {$8.00} NSF charge resulting from unauthorized transactions. XX/XX/2022 {$36.00} Total amount of dispute {$560.00} XX/XX/2022 I notified the bank in person of the unauthorized charges. They said it happened on my card. I showed them the card. I never lost possession of the card. It is now cancelled. I still have it. I requested a refund in accordance with FDIC rules. It has been a month and the the bank has failed to act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A