Date Received: 2022-08-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: XX/XX/2022 XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, SC XXXX Tel : XXXX Email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Tel : XXXX Re : Seven-month experience in applying for a Home Equity loan with Truist Bank ( XXXX XXXX XXXX, XXXX XXXX XXXX SC XXXX XXXX that contradicts what is advertised. Dear Bank Manager : Truist website : Once all required paperwork has been received, the turnaround time from application to closing averages XXXX days, which is one of the fastest times among our bank peers. Seven months ago, I met with XXXX XXXX to discuss refinancing my Truist loan. XXXX XXXX assured me that a Home Equity loan was a five-six-week process and offered it as a better option for debt management. Her confidence and enthusiasm won me over, and I began submitting the required documentation on XX/XX/2022. XXXX months later, my loan remained stagnant with endless excuses and repetitive requests for updates from XXXX XXXX. Yet, all along, XXXX XXXX continued to tell me that the loan was on track with closure eminent. XXXX XXXX emailed me on XX/XX/2022, about an Attorneys secretary/paralegal ( XXXX ) XXXX XXXX after her computer crashed. XXXX XXXX followed up that email with a phone message on XX/XX/XXXX requesting once again for me to identify debts to be paid because of limited funding. I released XXXX XXXX from this seven-month, excuse-riddled, and confusing application process before it caused more difficulties in my life. I have delayed making a decision about work/retirement based on XXXX XXXX 's assurances. Also, interest rates are much higher now than they were seven months ago. I am asking for a review of my application to understand what happened to Truists written promise to close applications within 30-35 days. Why was I treated differently? Thank you very much for your time and consideration. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29588
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Relevant Information Provided for Complaint Resolution Purposes ( Only ) : My Full Name : XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX | Last 4 of My SSN : XXXX Truist Bank Checking Account No. : XXXX XXXX XXXX XXXX XXXX. : XXXX ATM Information : XXXX, NC ATM Location : XXXX XXXX XXXX, XXXX, NC XXXX Name of the ATM/Bank at the time of ATM Deposit : BB & T Bank To Whom It May Concern : My Complaint relating to ATM Check Deposit of my XXXX XXXX Insurance Settlement from a house fire I had. The check is still pending in my account that yet was deposited over two years ago on XX/XX/XXXX. I didnt know the check required two signatures and the bank will not send the check back to quicken loans and quicken loans will not sign the Truist Bank document necessary to have the funds released by Truist . Please help. My home kitchen is still in disrepair and this has gone too far for too long. I need the funds badly. The Amount of XXXX XXXX house fire insurance proceeds check I deposited at BB & T ATM on XX/XX/XXXX was {$7500.00}. The Check Amount Still Pending deposit in my Truist Bank Account to this date is {$7500.00}. The date of the ATM check deposit transaction was XX/XX/XXXX. The main issues is that only my signature was on the check when I made the ATM deposit of the check. I dont recall the time of the transaction. I used my BB & T ATM Card to begin the ATM check deposit transaction. I have complained to both the bank and quicken loans numerous times but there has been no resolution as neither party will do much to engage the other party. I am due two years of interest on my funds. I am not getting an attorney involved. Truist Bank Wont Release my funds without the second Signature. I am owed interest at this point too. These insurance check proceeds have been a pending deposit in my checking account for over two years now. XXXX XXXX XXXX Contact Phone # ( Mobile ) : XXXX XXXX Physical Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX NC, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I reviewed my consumer credit report and I noticed an unauthorized inquiries. I reached out to XXXX via phone to get these fraudulent inquires removed and they were no help advised me that I needed to get a letter and basically permission from the " data furnisher '' before they would remove any inquiry, but they are being reported without my permission or consent. The following are inquires that are reporting fraudulently to my XXXX credit report XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XX/XX/2021 I did not give my consent for these inquires to be done and demand they be deleted as soon as possible since I have no been able to receive any help directly from the credit reporting ageny.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75216
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Credit Card Account Number : XXXX To whom it may concern, I have tried several attempts to get in contact with Truist credit card department in regards to the account listed above. I want to settle this account once and for good but Truist is not responding to any of my attempts. I tried calling, left voice mails, sent letters the last letter was mailed certified in XXXX and tracking shows that it was personally picked up at the post office ( Tracking ID : XXXX. My last hope to get in contact is through you and I look forward to finally settling my account. I have also e-mailed the CEO and was told that my letter was forwarded to the appropriate department but I have yet to receive a response and it's been more than a month since my last attempt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41071
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: XXXX XXXX XXXX XXXX On XX/XX/XXXX, I emailed the dealership to inquire about a XXXX XXXX XXXX XXXX with Sales Agent XXXX that I located on XXXX website, XXXX XXXX XXXXXXXX. He texted me the vehicles price, including the sales price with taxes and all, totaling {$34000.00}. I paid a {$500.00} deposit via telephone on XX/XX/XXXX via credit card to hold the vehicle for purchase on XX/XX/XXXX. Financing was completed with my bank-XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). My bank sent me a check for {$34000.00} via XXXX with a sealed envelope for the dealership to complete on XX/XX/XXXX, as I had 60 days to find a vehicle of my choosing. I met with XXXX XXXX, Finance Manager, to sign the Purchase the Order. Upon Signing, I informed XXXX XXXX that the sales numbers were different from what the sales agent texted me. XXXX XXXX advised that she would correct the contract as the MSRP was more than the advertised price shown and sent via text by the sales agent. I paid the dealership an additional payment of {$37000.00} via credit card. On XX/XX/XXXX, XXXX XXXX called me to inform me that I owed a balance of {$390.00}, of which I was not aware. On XX/XX/XXXX, I received a call from my bank, XXXXBranch Manager XXXX XXXX XXXX regarding an issue with the Purchase Order and the check amount that XXXX XXXX completed XXXX I told XXXX XXXX that I did not sign the check, and XXXX XXXX stated that she would have me sign a corrected Purchase Order after she contacted the dealership. I sent XXXX XXXX correspondence from the sales agent sent to me via text messages, including the sales numbers and my receipts of payments per her request. As I was waiting to sign the corrected Purchase Order with my bank via XXXX XXXX, XXXX XXXX submitted a new purchase order to the title clerk, XXXX, unbeknownst to me. The new Purchase order included a forged signature and forged /altered executed POA per XXXX XXXX email on XX/XX/XXXX that I did not authorize, nor did I complete. A police report was filed with XXXX XXXX Sherriff Office ; however, they too need to be investigated for Complicit Fraud in their attempt to cover up the fraudulent business practice of the dealership ( Major Fraud Unit ). A police report was also initiated with XXXX Police Department and The Federal Trade Commission ( FTC ) for identity theft and forgery. I have contacted the IRS regarding the documents XXXX XXXX submitted To the Georgia GA Department of Revenue -Motor Vehicle Division ( Form MV-1 Motor Vehicle Title Application ). On the MV1- Form Limited Power of Attorney that was not NOTARIZED In my presence, it states. It is a felon for any person to willfully enter false information on this form. Therefore, per her email, if this was the Limited Power of Attorney she referenced, it has nothing to do with forging or altering a sales contract. ACKNOWLEDGMENT OF NOTARY was not Notarized in my presence as the documents I received when I exited the dealership. Moreover, on the MV-1 form, XXXX XXXX indicated that the financing deal was a Directly Financed Dealer Sale, which is utterly false as my credit union has no affiliation with the dealership. Furthermore, I have filed a complaint with the Department of Justice for the Financial Crimes and Federal Reserves for the Fraudulent Check Deposit Fraud of the altered contract as XXXX XXXX gained an additional commission for the modified contract, she submitted my bank. After multiple requests for nearly 10 -11 months from the dealership that will NOT PROVIDE ME A COPY OF THE REQUESTED DOCUMENTS SUBMITTED ON MY BEHALF. On XX/XX/XXXX, the Consumer Law Department received a letter from XXXX XXXX. They could not address my concerns as they were not privileged to any agreements between me and the dealership as they did NOT fianc the deal, nor did I ever apply for a loan with XXXX XXXX. I spoke with XXXX at the Consumer Law Department as of XX/XX/XXXX, and XXXX advised that his office does not handle issues of theft or fraud and to contact the police Department, which I have done. I have obtained new identification due to the forgery/fraud and aggravated identify theft for the submission of documents submitted to various entities allegedly on my behalf. I am seeing Criminal Prosecution of the matter as I have filed complaints with the FTCXXXX XXXX XXXX XXXX Sherriffs Office, XXXX Police Department, CFPB, Department of Justice for Financial Crime , Office of the Comptrollers Office and FDIC for Check Fraud Deposit. Suntrust Bank Acct # XXXX Vin # XXXX Sales Contract # XXXX Sales Stock # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer and I am making this complaint against Regional Acceptance Corporation for committing identity theft. On XX/XX/2022 I filed a complaint with the CFPB because I did not give Regional Acceptance Corporation my consent to furnish my nonpublic personal information to non affiliated third parties XXXX, XXXX and XXXX. In accordance with 15 USC 1681b ( a ) ( 2 ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; in accordance with the written instructions of the consumer to whom it relates. I, XXXX XXXX, did not give Regional Acceptance Corporation any written instruction to furnish any information on my credit report. On XX/XX/2022 I submitted a complaint through the CFPB and received a response on XX/XX/2022 from XXXX XXXX, Account Service Analyst. In the response XXXX XXXX advised that when I signed a contract with Regional I gave them permission to report to the credit reporting agencies. XXXX XXXX also stated that Regional is required under the FCRA to report accurate data, including but not limited to payment history, to the credit reporting agencies. Without my consent I am aware that those statements from XXXX XXXX were false, misleading and inaccurate. Pursuant to federal law 15 USC 1681a ( d ) ( 2 ) ( i ) consumer reports does not include report containing information solely as to transactions or experiences between the consumer and the person making the report. On XX/XX/2022 I reached out to Regional Acceptance Corporation on a recorded line and confirmed that they had received my cease and desist that was dated on XX/XX/2022. Federal Law 15 USC 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. According to 15 USC 1692a ( 2 ) communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. My consumer report is a medium, so Regional Acceptance Corporation is violating the cease and desist. By furnishing this information without my consent Regional Acceptance Corporation is committing identity theft pursuant to 15 USC 1681a ( q ) ( 3 ) The term identity theft means a fraud committed using the identifying information of another person, subject to such further definition as the Bureau may prescribe, by regulation. Attached is a copy of cease and desist, correspondence from XXXX XXXX, and FTC Report : XXXX. Pursuant to federal law, 15 USC 1681c2 ( a ) ( 2 ) a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of a copy of an identity theft report. I demand that this account be removed from my consumer report and that the consumer reporting agencies be notified of change. If Regional Acceptance Corporation continues to unlawfully furnish this information. Regional Acceptance Corporation will be held liable for aggravated identity theft pursuant to 18 USC 1028A. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Banked with truist for almost XXXX months now and never had an issue until i decided to start funding my account and using my debit card to pay my bills, they locked my debit card which is fine, called to have it unblocked no problem and they end up locking it again but this time they are saying i have to come into a branch to do so which IS a problem. Truist bank is nowhere near me in my state, its an out of state bank so thats literally not an option. Bank locked my online banking with money still in my account lol, i tried an ACH transfer and set up bill pay payments and i tried to log in just to find out my account is restricted for security reasons. This has been XXXX of the worst banking experiences i've ever had and im not being treated like a customer at all. its almost like truist isnt allowing me to use my money the way i want or access my funds properly. Ive had no problem up until i made a large deposit into my account and started using those funds. i have no problenm verifying myself any other way but going out of my current state just to visit truist bank is not an option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52804
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I am having problems getting a notification from Truist Bank located in XXXX, NC. I had a car loan through them but the car was totaled. XXXX paid them {$20000.00}. I am now working with my GAP coverage and they want a paper from the bank listing my payments and outstanding balances. I have requested this several times, they told me it would take 5-7 business days, heard nothing, called again, they said it is 5-10 business days. Still heard nothing. They claim they are backed up. But they told me I could go to a Truist bank near me and they could run the paperwork for me. I told the if it's that easy, why are they holding me up? The accident was on XX/XX/2022, it is now XX/XX/XXXX. I don't understand this holdup. It is affecting my credit as the bank wants a payment on the {$6200.00} remaining balance and I refuse to pay it. Can you help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 063XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Business checking account closed for 'fraud ' after new account bonus was applied for. No attempt to contact me was made and when I attempted to contact them, they informed me that they are 'unavailable ' and asked me to leave a message.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78244
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: XXXX is harbouring incorrect information about a XXXX account and balance that was paid and should be removed. Additionally I can not retrieve my report from their website. This is hindering me tremendously from being able to receive loans from banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A