Date Received: 2022-08-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I filed a claim with Truist over a fake/forged document that was used in a loan I was offered. The XXXX XXXX crook posed as someone from XXXX XXXX and deposited a fake cashiers check into my account for {$990.00}. Well, the XXXX XXXX at the bank would not at first even open a case when I reported this to them as fraudulent because they said it was " pending '' and needed to post to the account. After I raised more XXXX I got a case opened but then got charged an overdraft fee for something I reported as fraudulent! I can't the the XXXX at the XXXX bank to refund the overdraft fee ( s ) nor do a proper investigation into the matter. Before I could even return the affidavit I was sent they closed the case! I did get a letter from them confirming the cashiers check that was deposited was a fake - XXXX XXXXXXXX! I hate dealing with hard headed XXXX XXXX people who do not give a XXXX about their customers when the customers are a victim of fraud. The case was closed on the basis of the transaction being authorized ; again, XXXX XXXX! Of course I authorized it but I did not authorize getting XXXX in the process!!
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: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-13
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX REGIONAL ACCEPTANCE, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2022-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been an account holder with Truist ( and it's predecessor banks ) for over 30 years. I have been using electronic banking and bill pay services since they became available. On XX/XX/2022, in the course of setting up/adding a new joint account to my profile, someone at Truist deleted my online account ( i.e., my ability to access my accounts online, not the accounts themselves ). This was not authorized, and I do not know why it was done. To access my accounts, I had to create a new user profile ( i.e., a new username/password ). While I am now able to access my accounts, all of my account history ( including 20+ years of payees/account information, autopay information ) is no longer available. I spent several hours on the phone ( mostly on hold ) with Truist. During that time, ve spoken with numerous customer services representatives ( and their supervisors ), including representatives from Digital Support only to be told that once the online account is deleted the bill pay information is gone. Given federal regulatory requirements for bank data preservation, I find this very hard to believe. On XX/XX/2022, I received three ( 3 ) identical copies of a letter dated XX/XX/2022 from the Truist Enterprise Fraud Department indicating that " ... effective immediately, it is necessary to close the above referenced account ( s ) ''. There was no return address nor phone number. The letter indicated that if I had any questions I should visit my local Truist Branch in person with two ( 2 ) forms of identification. I promptly visited my local branch and met with the banker that helped me open the account on XX/XX/XXXX. He called someone ( he could not tell me who ) and told me they do not know why the letters were sent and said I should disregard them. I have uploaded a copy of the letter for your review. It is unconscionable that a bank 's fraud department would send such a terrifying letter to a bank 's customer and not be able to explain why it was sent. As far as I can tell, the account is still open, but I have no confidence that it won't be suddenly closed at any time for no reason at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XX/XX/XXXX - Around XXXX I checked an old email account. I received XXXX emails : XXXX at XXXX stating " a user ID was created and associated with your account ( XXXX ) on : Date : XX/XX/XXXX XXXX XXXX ET " with Truist Bank ; XXXX XXXX at XXXX with new account summary information regarding my new accounts : Truist XXXX Checking # # # # and Truist XXXX Savings # # # #. I called the financial institution 's hotline and was transferred to an automated answering system. I decided to look up the nearest Truist Bank. At the time, I had never heard of Truist Bank. I then went to the nearest Truist Bank and explained the situation. They confirmed that a checking and savings account had been opened in my name. I then spoke with an account XXXX who confirmed that the XXXX accounts had been opened using my name, birth date, social security number, old mailing address and a rarely used email account. He was able to confirm that the accounts were opened online in the state of Tennessee. He closed the accounts and advised me to call XXXX, XXXX and XXXX to freeze all accounts. I have since contacted all bureaus and requested hard copies of my credit report from XXXX of the XXXX agencies. I have also begun calling all open lines of credit to inform them of the situation and have requested all new cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: On Wednesday XX/XX/2022 at approximately XXXX, I was given a wrong phone number to transfer funds through XXXX XXXXXXXX XXXX through my Bank debit card account. The person received the money and refused to refund it. The wrong I send the money is XXXX. The denied my request and block my phone. My bank said, they can't doing anything to help me, even though I used the debit card and account to complete the transaction. XXXX XXXXXXXX XXXX company is defrauding millions of hard working Americans with help of the Banking institutions. I reported it to the banking fraud department, but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21144
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: - Unable to register the car due to Auto Lien is not being provided by TRUIST - Car Loan was fully paid on XX/XX/XXXX - As per TRUIST, they have released the Auto Lien to XXXX on XX/XX/XXXX - There is no TRACKING NUMBER or PROOF that it was really mailed. - I have called Truist multiple times and they have provided different answers every time - XX/XX/XXXX - First, the agent said 2-3 days- Second, after waiting for three days, called again and the agent said 7 days and they have a backlog- Third, after 7 days, the agent said it was already mailed and I should check my mail box- Fourth, after 3 more days, called again and the agent said that its still in-progress and that we just need to call again in 2 days. - Fifth, called again after 2 days and they again said that they have already mailed the LIEN on XX/XX/XXXX and that wait again for few days - Sixth, called again and said that we need to call or go to the XXXX and asked them if they have received the copy of the LIEN/TITLE - Seventh, after one day, was able to get in touch with XXXX and they informed us that they have not received anything from Truist Bank about my LIEN - Eight, after one day, went to XXXX personally to verify but they also said that they have not received anything from Truist. So called the agent again to ask for Tracking Number for the mail but they said there is really none and that we just have to wait. All I want is the LIEN so that I can register the car because it will be affecting my family day-to-day activities. And since it's fully paid, I believe I have the right to get the title or lien.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 089XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: I received a notification from my employer on XX/XX/XXXX advising of garnishment based on a notification from XXXX XXXX XXXX ( XXXX XXXX XXXX ordered by one of the courts in Virginia. I relocated from the state in XXXX of that year and was unaware of this. This was a civil suit auto loan company where I returned the used vehicle in XXXX after spending more than approximately {$10000.00} in multiple repairs. It was a lemon, and it was not sustainable for my family and me to constantly pay someone to repair the vehicle. I needed something dependable and cost-effective. The garnishment comprised 30 % of my income. I am the sole provider and was also at that time. I was unable to pay my bills with limited income and was at risk of not paying my rent, utilities, etc. Additionally, I tried contacting the company numbers provided in the letter. I was advised by XXXX to contact the law firm. I called and left a couple of messages with the law firm but did not receive any returned phone calls. The garnishment continued until XX/XX/XXXX. Unfortunately, I received another court document by mail in late XXXX for XX/XX/XXXX, followed by an email the next week. The garnishment letter noted an effective date of XX/XX/XXXX with 25 % garnishment of my income for the same auto loan company for approximately an additional $ XXXX. The total amount to be awarded is nearly {$40000.00}, which is significantly greater than was owed in XXXX. This second garnishment puts me at risk of not being able to pay for housing, utilities, prescriptions, etc. I never received any communication from the auto loan before all of this. I have been living in another state for XXXX year. I need help and have attached documents per instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My mortgage was originally serviced with Suntrust, which merged with Truist officially sometime between March 1-5 2022. Truist claims during the servicing transfer that there will be no late payments charged for 60 days following the transfer and no derogatory reporting to the bureaus for 90 days following the transfer. My mortgage autopay was cancelled during the transfer and the XXXX payment was not made. Truist claims they sent me a letter in the mail on XX/XX/XXXX notifying my of the late payment but I never received such a notice in the mail. I also never received a call or email from Truist regarding this. On XX/XX/XXXX I received a call stating my mortgage was 30 days late and I immediately made 2 months mortgage payments on the phone ; however, was told that although the late fee can be removed from my balance, they couldnt help me with the negative reporting because it was already reported to the bureaus. I have been trying to get a hold of anyone at Truist who can help me correct this derogatory from months now. Wait times on the phone were pushing 2 hours at times for me just to talk to someone. Every rep I talked to at Truist confirmed with me that yes, the transfer happened the first week of XXXX, and that I should be covered under the XXXX grace period for non-reporting of derogatories to credit bureaus ; however, none of these reps could ever provide that info to me in writing. They refused. They confirmed that they have had a large amount of customers claiming that payments never went through following the transfer and that I was not alone. Every phone call ended with the rep initiating a dispute with Truist to get the late payment removed, and every time i received the same template document in the mail stating that my account is accurate as reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I depositeda a check for {$7000.00} XXXX funds in my account. I knew that it would need to go through collection which can take 6 weeks. After 7 weeks. I called to find out the amount of the deposit in US funds. I was told that it might take 8 weeks. At 9 weeks I called again and was told that they meant 8 weeks from my phone call. On XX/XX/XXXX the XXXX bank paid the check. It still has not been deposited to my account at Truist Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-11
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/XXXX I closed my Truist bank account and attempted to collect my {$500.00} bonus for opening said account, Truist did not pay the bonus and that is why they currently have two open complaints regarding that issue. Today they finally attempted to reach me, not by email as I've explicitly stated was my preferred method of contact, but rather they decided to call me again .... And during this call Truist Bank proceeded to admit that they actually never closed my account back in XXXX and Truist was trying to charge me fees even though they were refusing to return response to my complaints in which case they could've resolved all issues, instead, today they've created yet another complaint for not closing accounts when asked to. XXXX XXXX XXXX XXXX of the XXXX XXXX XXXX XXXX did my account closing and told me he would not be able to close it immediately because they had to wait 24 hours to close accounts but that he would have it closed the next day. When XXXX didn't call me then next day I did go into the branch and asked him if the account had closed and why I hadn't received my bonus, he said he would look into it, nobody from Truist every looked into it. Now Truist wishes to charge me fees for closing my account when they legally owe me {$500.00} ... .. CFPB, what exactly do you do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19601
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A