Date Received: 2022-08-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XXXX XXXX XXXX Name : Truist Financial Corp Routing Number : XXXX Account/Product Type : XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC Country : United States Email Address : Phone Number : XXXX Maintenance charges of {$300.00} per year were added to my checking account after BBT//SunTrust merger transition dated XXXX after claiming no change in fees. These {$300.00} of charges were made without my authorization. Truist bank also reactivated a closed account with a XXXX balance from 8 years prior ( XXXX ) and sent me collection notice for {$59.00} including a {$30.00} fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: A Truist Bank checking account was opened under my name using my information without my knowledge or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15401
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: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Truist unreasonably assessed me a late fee on a credit card that was requested to be closed early XXXX, late XXXX in conjunction with my requests for closure of my checking and deposit accounts. Today, I learned that there was a balance on this credit card that I didn't even know was active- it was only two weeks prior did I receive a card in the mail from Truist - requesting for me to activate a newly issued card. I didn't think much of it, because as expressed with the Truist agent earlier, I have my regular cards I use for daily/weekly expenditures and thought this issuance was a mistake. However, I was wrong, collections called me asking to collect {$75.00} for charges that accrued two months prior from XXXX. I wasn't aware that XXXX was using my old credit card to charge trips on it, because again, I had already submitted a request to Truist for this card to be closed, AND because it would be unreasonable for me to know ALL of the accounts in which a singular card would be tied to, instead of just canceling the payment source; hence this card. Also, I find it troubling that I wasn't made aware of these charges until they fell into delinquency and late fees have been assessed. The agent said that I had enrolled into email statements, but I have no emails from Truist indicating a statement OR balance, nothing but servicing/promotional communications. I expressed this to the agent, but was constantly deferred to the Truist platform to update preferences and for some odd reason the XXXX XXXX XXXX - The XXXX & XXXX - but again, how would I know this, and again, why wouldn't Truist make me aware of an obligation to pay nevertheless. I have nothing but servicing and promotional communications from Truist, but no payment due, or no charges notifications in my email. After testing the Truist website, i found a screen to update alerts. It is all but confusing and there are one too many preferences to choose from, with no clear definitions of what the options entail OR an visual example for that preference to help ensure intent of selection. How would a reasonable or a vulnerable person be able to intelligibly navigate Truists ' platform and update alerts to get a simple communication letting a cardholder know that they have purchases on their credit card AND that they have a bill due and when AND if applicable, that they are subjected to late fees if they do not pay their bill by X date. I would also like to know why are Truist 's fees so high and excessive. Truist charged me close to XXXX of the balance owed in late fees and interests. Excessive much? Given all of the facts and circumstances above, I wish to have my late fees waived and for my credit card to be closed ASAP as previously expressed. AND for Truist to revisit its opt in/communication preferences platform. Simplicity might be More.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30345
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: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Trusit XXXX Checking account online in early XXXX with the offer code XXXX. When I applied I wasn't instantly given an account number or routing number to begin funding an using the account. See attached for what was displayed and note in top left it shows the promo code was applied. After not hearing anything for a few days I called in to get my account and routing info. I was connected with someone and verbally confirmed the promo code was still applied. By XX/XX/XXXX I funded the account with {$50.00} to meet the opening requirements. I then set up my direct deposit from employer and they deposited over {$4000.00} across XXXX deposits on XXXX and XX/XX/XXXX. Meeting terms and conditions of two direct deposits totaling over {$1000.00}. Per terms and conditions it stated the bonus could take up to 4 weeks to post once the direct deposits were met, after 4 weeks and receiving nothing I called to check status on XX/XX/XXXX. I had to speak with a manger for them to understand the promotion, they confirmed with me the promo was applied and I met the terms. That manager opened a ticket to see why the bonus hasn't posted. After not hearing back for XXXX months I called XX/XX/XXXX and used chat function and now they informed me the code was not applied. I showed the image attached that it was applied and they told me it was not... I attached the terms and conditions as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
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: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received this email this morning. I believe it is a scam. I can't copy the note, except for this portion : XXXXXXXX XXXX XXXX To : XXXX XXXX : XXXX The claim is that I have subscribed to their service and they are deducting {$330.00} from my account. Thank you! XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 240XX
Submitted Via: Web
Date Sent: 2022-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: First Name : XXXX Last Name : XXXX Email : XXXX Phone : XXXX XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXte : WA City : XXXX Zip : XXXX Country : USA Mortgage Loan Number : XXXX Truist Bank XXXX XXXX XXXX XXXX, XXXX, NC XXXX ( XXXX ) XXXX Description of Complaint : On XX/XX/2022, SunTrust withdrew XXXX routine auto mortgage payment out of my XXXX XXXX checking account. On XX/XX/2022, I received an alerting email from Truist Bank notifying me that the XXXX mortgage payment was returned, asked me to resend a new payment and charged a late fee of {$35.00} on my account. Truist emailed to return my XXXX mortgage payment but I never received it, no payment was ever credited back into my XXXX XXXX checking accounts. In XX/XX/2022, Truist took over, my XX/XX/2022 mortgage statement showed there was an extra payment in the amount of {$940.00} categorized as Unapplied Funds. At the end of XX/XX/2022, the XXXX month of the year, the mortgage statement showed SunTrust Bank and Truist Bank had withdrawn a combination of XXXX mortgage payments in the total amount of {$6500.00}. SunTrust Bank and Truist Bank had withdrawn more mortgage payments than they were supposed to, charged late fees on my account, and reported a 30-day late mortgage payment to the Credit Bureaus XXXX Truist Bank knew that it was wrongdoing, unethical practices, and in violation of RESPA to file a misleading report to the credit Bureaus, Truist XXXX late report had caused tremendous collateral damages to my financial wellbeing. My credit scores were excellent and in the XXXX range, after the 30-day late report, dropped down to XXXX and in the poor range, that is XXXX points dropped. My life was completely turned upside down because of Truist Bank misleading report. I cant apply for credit, can't refinance my home, and deny the work contracts. Dear CFPB Authorities : I filed this complaint to show you that I was treated unfairly by Truist Bank. Truist Bank received my payment from SunTrust Bank, 18 days later sent me an alerting email to return my payment, asked me to send a new payment, and charged {$35.00} late fees on my account. I was not late with my mortgage, but Truist Bank was clearly in violation of the RESPA Act, knowingly consumers allowed 60 days grace period as the merger transitions taking place, payment can not be treated as late and no late fees can be charged. My credit report took a big beating after Truist Bank filed a misleading report with the Credit Bureaus. I demand Truist Bank immediately remove the harmful items from my credit report. Inform the Credit Bureaus of the incorrect items and my payment removes them from my credit report. Thank you CFPB Authority. Sincerely, XXXX XXXX Desired Settlement : Contact by the business ; Correction to a credit report ; Refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Submitted complaint a few weeks ago regarding my account being blocked and my money frozen by Truist. Complaint ID XXXX. I received an email stating I could contact XXXX XXXX for assistance during the so-called investigation. However, I've been calling her for weeks and she has not called me back. I called her because I can't understand what she is " investigating '' so long. As aforementioned, I called Truist because I was concerned about someone trying to withdraw money from my account. The fraud department suggested that I put a block on the account. I told him that I wouldn't be able to go to a branch, so I'd need to close that account and transfer my funds to a different account. He told me that I wouldn't have to go to a branch, that he would transfer me to a representative who would close that account and transfer my money to the new account. After the transfer, the rep told me that my account was blocked from withdraw and only the fraud department could unblock it. She told me that I wouldn't be able to close it or access the funds. As such, she transferred me back to the fraud department and I spent hours on the phone without getting any help. I have bills to pay and Truist has blocked me from accessing my funds for over a month. This is unacceptable and illegal. So there's really nothing to investigate and certainly nothing that would take more than a few hours to resolve. But Truist has allowed this rep to sit on my complaint for over a month, while I need my money to pay my bills. This is unacceptable. This beeds to be investigated. This is a habit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: FROM XX/XX/2022 TO PRESENT I HAVE DISPUTED A FRAUDULENT BB & T/TRUIST CREDIT CARD ACCOUNT THAT SOMEONE OPENED IN MY NAME BY STEALING MY IDENTITY. I NOTIFIED ALL 3 CREDIT REPORTING AGENCIES AND BB & T/TRUIST ABOUT THIS FRAUD IN WRITING 3 TIMES, NOTHING HAS BEEN DONE TO CORRECT THE PROBLEM. THIS IS AFFECTING ME GETTING A JOB AND BEING APPROVED FOR HOUSING/APARTMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2022-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are several accounts on my consumer report that I have tried to get off because they were not accounts of mine, my information was used several times and there are even phone bills in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33405
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Issues : ( 1 ) Truist Bank has yet to close the HELOC that belonged to my deceased husband as promised, and ( 2 ) Truist Banks behavior is abusive. Description : My husband opened a HELOC with SunTrust now Truist Bank in his name only, and on property that was owned by us jointly. My husband passed away on XX/XX/2021. My husband never made a draw on the account and owed no fees. I dropped off a copy of the death certificate with the branch shortly after my husband passed away. I was present when XXXX XXXX, XXXX ( Senior Relationship Banker ) faxed a copy of the death certificate to Truist Banks consumer loans department. I later mailed and faxed a copy of the death certificate to Truist Bank. Truist Bank has never acknowledged my husbands death. Truist Bank provided conflicting information about this HELOC. Truist Bank told me that it needed to add me as a so-signor to the HELOC. I questioned this claim. I called both the direct line for consumer loans, and I called and visited the branch. As a result of these calls and visits, Truist Bank promised last fall that it would close the account. However, I learned this spring that it had not done so. As a result, I visited the branch again and was told by XXXX XXXX ( Branch Leader ) that I needed to complete several forms before Truist Bank could close the account. XXXX XXXX assured me that the account would be closed. Yet several weeks after my visit to the branch and despite assurances that it would soon close the account, Truist Bank force-placed insurance on my home and sent an invoice for {$1700.00} to my deceased husband. I am an XXXX woman. This matter has caused a significant amount of stress. As a result of Truist Banks behavior, I spent hours trying to resolve this matter. I want Truist Bank to remove the force-placed insurance, remove any liens, remove all liability, waive any charges, and close this HELOC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A