Date Received: 2022-08-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX. 2022 my check # XXXX of {$4700.00} was withdrawn from our business account from XXXX XXXX XXXX XXXX XXXX. On XXXX XXXX the same amount with the same check # XXXX of {$4700.00} was withdrawn again. I called right away the Truist Bank to find out why they took twice the same amount with the same check # XXXX. Instead to fix the problem the bank wants me to file a Fraud Claim which I denied. After I spoke to XXXX from the Fraud Department, I called the XXXX XXXX XXXX XXXX XXXX. They told me that the company have a new electronic system to deposit their checks. I told them that's ok, but I need my money the {$4700.00} right away. On XX/XX/XXXX. 2022 I called XXXXXXXX XXXX XXXX XXXX XXXX XXXX, and they told me there check from XXXX XXXX XXXX cleared on XX/XX/XXXX. 2022 so I called again Truist Bank and spoke to XXXX. She said the {$4700.00} arrived and she will take care of it. Nothing happened so I called on XX/XX/XXXX. 2022 again Truist Bank and spoke first to XXXX. She had no information about my issue so I ask for the XXXX and XXXX ( from XXXX ) told me also she will take care of this problem. On the XXXX of this month my wife and I spoke to the branch leader XXXX XXXX XXXX XXXX XXXX XXXX XXXX and she told us also she will take care of it. A day later she called me and insist that I have to come into the Bank and sign a Fraud claim. I told her there is no fraud, but she still insisted that would be the only way to get my money, so I signed and, on the way out she said it can take a month until I see my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
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: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This is my second complaint over this issue, you all are charging excessive overdrafts. My account has been over-drafted for over two months, every time I make a deposit to bring it current it is swallowed by overdraft fees. I need you to waive some of these, it is ridiculous that I have made over {$900.00} in deposits and my account is still over drafted. I have made these deposits since my last complaint. Also when I called the contact center like the letter from XXXX XXXX stated to get a courtesy refund of overdraft fees and they had no idea what I was talking about. I have payed so many overdraft fees with this banking institution and I understand your rules. However I have ask to stop my overdraft protection a plethora of times and its ridiculous that these charges go through at your discretion when you see I don't have the funds to cover it. This bank is preying on people with financial issues by charging these excessive overdraft fees. I will start a class action lawsuit if I have because I know I'm not the only one that's being charges these fees. These fees are predatory to people being affected by the financial state of our country after covid and during this recession.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32304
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email from Truist Bank about verifying details for an account I know nothing about. This is identity fraud and needs to be stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77469
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I received a letter yesterday from Truist bank that XXXX of my children 's old custodial accounts ( opened at Suntrust several years ago ) had been overdrawn, allegedly " for several weeks. '' The letter was dated XX/XX/XXXX. I had no knowledge of ever overdrawing any of my accounts. I received no notice in the mail of an overdraft, no online banking notification, no email, no text, statements. I received no phone call or voicemail. I had no knowledge of it ; I don't even know what kind of transaction could have been made to cause an overdraft. The letter informed me that the account had been overdrawn for weeks without me doing anything to correct it, so it was now charged off and in debt collection. They added a {$30.00} charge-off fee to the alleged overdraft balance of {$14.00} and asked that I send payment for {$44.00} dollars in an included envelope. I've searched through my online banking. I can no longer find any account information for this account now that they've closed it. I can't see any viable documentation to substantiate the allegations and demand of this letter. I had been a Suntrust account holder for a very long time and have never overdrawn any of my accounts before. I called the number on the face of the letter today, XXXX times to try and resolve this. I was answered by an automated system which placed me on hold and then sent me to voicemail. The recording said " They are not taking calls due to high call volume. '' When the automated system first answered, it prompted me to enter the XXXX phone number from which they left me a message to call them ( they never left a message. ) I entered both my number and my former number, though, but neither of was a match in their system. I then called Truist 's main number to work on the issue, but the representative was only able to transfer me to the line I couldn't get through to. Every facet of this matter seems like illegitimate/predatory banking practice. I'm being asked to pay something I'm unaware of owing with no supporting documentation or prior attempt to reach me and no means of communicating with Truist except an envelope to send them money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX Truist Bank opened an online account with someone claiming to have my social security and date of birth and address. None of this was authorized by me and I have cooperated with the bank but they refuse to provide me additional information about what email address was used to open this account and what phone number. They have agreed it was not mine and have closed the account down. They are citing a privacy law on not providing more information on who may have opened this account illegally. I have been in touch and have asked what privacy laws are being violated in providing me the victim that information and they will not return my calls or emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17050
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Hello, this bank is always charging for overdrafts that never actually happen and I am tired of fighting them over it. On XX/XX/2022 my posted balance at the end of the day was {$340.00} yet I was charged 2 overdraft fees that day. I messaged online to request a refund of the fraudulent fees and was told they would open a ticket and someone would get back to me. I still have never heard back from the bank. My escalation number is XXXX. Please also note that I am opted out of overdraft coverage service and have been for the life of my account. This is not the first time this has happened to me and I have also read multiple complaints of this happening to other customers as well. I know that by bank regulation they can not charge me an overdraft fee for transactions that have not actually posted to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 247XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: On XX/XX/2022 I applied and was approved for a Truist XXXX Card. I received an email on XX/XX/2022, stating that the card was made and on the way to my residence. Once I received my card on XX/XX/XXXX ( took a month to get the card ), I tried to activate it but I was told the account didn't exist on the app. I went to my local branch immediately, and they told me that the account didn't exist, they closed the card and line of credit for no reason or notification to myself. They went even further to tell me if I wanted a card with them to go apply again. So now present day I have a credit card that does not work I received my pin number in the mail, as usual, I have escalated this grievance 4 times within the bank and still have not been contacted back. I am looking for the bank to respond and reactivate my card. My credit was dinged 3 times and I was approved and the bank has done nothing to right these issues. I have asked for the info to their legal department 4 times via a recorded line and no one has any info. if I could please have some assistance in this matter it would be greatly appreciated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was opened using my information with Truist Bank. I received a letter in the mail that was generated on XX/XX/2022 today ( XX/XX/2022 ). This letter indicates that the account that was set up in my name was overdrawn- {$41.00}. As of today, I have not contacted Truist Bank, so no action as been taken yet. However, I do plan on filing a police report and contacting the bank regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77489
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Accounts were opened under my name at Truist and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 241XX
Submitted Via: Web
Date Sent: 2022-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Truist bank marketed to me with promotional offer of balance transfer with zero interest for one year and three percent transaction fee with deadline of XXXX XXXX to take the offer ; I did three balance transaction of {$10000.00} in XXXX and the fee was {$300.00} ; I was about to pay minimum in monthly then found they charged {$180.00} on XX/XX/XXXX later told me the balance on my card has 24 % interest ; nowhere did they tell me of such interest, they deliberately hided this when I requested transfer, it's abusive and deceiving.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A