Date Received: 2022-08-09
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was on my honeymoon in XXXX XXXX XXXX and on XX/XX/2022, I noticed one evening my credit card was gone from my wallet. I checked my bank account and noticed two large purchases/expenses I did not perform. One charge was for {$55.00} and the other was for {$430.00}. There were also two cash advance fees I did not perform. I have never performed any cash advances with my credit card, to my knowledge. The cash advance fees were {$10.00} and {$17.00}. My co-signer who has access to my bank account called Truist ( still SunTrust at the time ). Truist/SunTrust froze my credit card and instructed my co-signer to tell me to submit a fraud claim to dispute the charges. In XXXX, I mailed a claim form to a SunTrust XXXX address. At that time, all of my correspondence with SunTrust/Truist for the previous 6months had been with XXXX email. In XXXX, I still had not heard back about my claim, so I called the credit card fraud department, which informed me that Truist had contacted me. I asked them how they had contacted me and eventually we discovered Truist sent a request for additional information to an XXXX XXXX email address Truist had not used to contact me in 6months. I asked the person I was speaking with if we could keep my case open because of this mistake, and they said yes, and to send a new fraud claim form. They informed me this claim would be received as a " rebuttal '' to the original decision, which was to terminate the case due to lack of response. Again, however, this lack of response was the fault of Truist, which apparently deliberately chose to use an outdated contact method. After waiting on the next form I sent, I called Truist again in XXXX, XXXX, and XXXX, asking when and if I was going to hear back from them about my claim. I was told within 2days and within 10-14days. I also visited a branch in person in XXXX and in XXXX ; in XXXX, I was encouraged to wait a few days and call ; in XXXX I was told they don't handle credit card claims in person. One of my XXXX phone calls and my XXXX in-person visit prompted the employees to submit escalations/complaints, which they instructed would result in me receiving some kind of contact about my case ( s ). I have yet to receive a response to either. The very first phone call my co-signer had made resulted in temporary removal of the charges, but they all of course returned, and I am still being held responsible, without fair notice and explanation, or opportunity for a fair dispute process. These charges total {$510.00}. Truist offers fraud protection on my credit card, but appears to have done all it can to prevent me from being capable of responding to their time limits on fraud coverage and/or from receiving a fair dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received email for new account opened at Truist bank on XX/XX/XXXX. Received a notice of account closure on XX/XX/XXXX, dated for XX/XX/XXXX. Called to confirm cancellation on XX/XX/XXXX. Called was received by and was told to file an identity theft complaint. Was asked for all information, including ssn and telephone number. Was told that complaint could not be finalized without this information. Did not give information. I would like to confirm this account is no longer an issue and that my information is secure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX prior to leaving town, I did my mobile deposit to pay bills as i have done over and over for 2 years. I received a TEXT as always that confirmed my {$10000.00} was deposited and {$8000.00} in bills were scheduled tfor Friday XX/XX/XXXX. No other communication was given, and I discovered this in error - and then panic! I was panicked and called 800 # - just to be told by " XXXX '' and then her supv " XXXX '' for 33 minutes that nothing could be done. I was read the policy several times and neither of these reps listened to the logic, or even dug in to see this is the same check for 2 years - then in addition i NEVER got a text saying magically your money is not NOT YOURS after 2 years of taking this deposit mobile over and over again. I in a panic had to find {$10000.00} and pulled from a suntrust credit card to simply quickly cover my expenses- this is a horrible feeling and zero support from truist - nothing at all about my panic or the financial impact to me if ALL OF THOSE BILLS were returned - i now have an advance fee of {$400.00} and i do not believe i need to pay this huge financial penalty to fix what truist refused to resolve!!! I was also told that a new Truist policy was implemented on holds after merger was complete, so i would have to deal with it- are you kidding me???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: After opening a checking account online my son and husband needed an account to deposit unemployment benefits into until they could set up their own account. When their benefits were deposited into my account in XX/XX/2020 Suntrust closed my account without notice and will not release the funds. I have turned in documents that they requested but now those arent sufficient enough for them because they need them notarized. We are in desperate need of the {$1800.00} Suntrust has been holding since XX/XX/2020. Ive left numerous voicemails for XXXX XXXX with no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, we closed on our house paying $ XXXX in earnest money, down payments and mortgaging fees and secured a money purchase loan ( Loan Number : XXXX ) of $ XXXX for our residence. Upon recent review, we discovered the lending institution, XXXXXXXX XXXX XXXXXXXX d/b/a The Branch Banking and Trust Company ( BB & T , now Truist ) prior to our closing, assigned our loan to BB & T of North Carolina on XX/XX/XXXX, before their effective servicing date of XX/XX/XXXX. ( See attached This caused us to make further inquiry. On XX/XX/XXXX, we made a call to BB & T asking for a copy of our complete closing package, and all information concerning our loan. The representative informed us that our loan was paid off by an investor, and contradicting information that our loan had never been released. She assured us that she would send us information on the date, and party who paid the loan and confirmation as to the loan having been never released and that we should receive the information within 48 hours. This has not happened! We were even forewarned that the company might withhold the information she ( their customer representative ) was going to attempt to send. It is our suspicion that BB & T ( now, Truist ) never intended to send us this vital informationas it only highlights errors made on our loan and augments yet another disservice to hundreds of thousands of other American Consumers, in addition to the XX/XX/XXXX, Settlement Agreement between the United States for identical allegations. We are asking the CFPB for any assistance in obtaining this fiduciary information from this illusive and evasive company. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Truist ran an application for a loan and could not finish the process due to systems failure. They said call back later or go into a branch and all forms that were signed will be erased. They left a Hard I quirky on my Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I sent a Notarized Affidavit Billing error notice alone with the XXXX XXXX XXXX remittance coupon which is also a legal payment of tender under XXXX to Regional Acceptance Corporation requesting records under 12 U.S. Code 5562 ( c ) ( 10 ), to be made under a sworn certificate by a person. And that they weren't allowed to report anything to the credit reporting agencies without my written permission. Regional Acceptance Corporation received an EFT Payment on XX/XX/2022 and it was processed and I never received an Notice that payment was returned. Then Regional Acceptance Corporation sent a bill statement stating that I owed a balance so I sent in a payment of tender setoff and adjustment only on the private side and Regional Acceptance Corporation accepted it in accordance with HJR 192, UCC 3.603, UCC 3-419 and never returned to so they are in dishonor and any and/all claims or security interest has been voided. In response to my Notarized affidavit of billing error Regional Acceptance Corporation sent in a letter and not notarized affidavit ( sworn certificate ) as required under the law to answer any affidavit. I was not provided full accounting records as under the GAAP prescribed under 12 U.S. Code 1831n ( 2 ) ( A ). I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. I also sent in a Notarized Affidavit of Rescission in which Regional Acceptance Corporation has refused to answer or acknowledge. Regional Acceptance Corporation was notified that any variation of XXXX XXXX XXXX XXXX was copyrighted and that any use other than to respond to my Notarized Affidavits by a living person Notarized in Affidavits would be considered unauthorized and subjected to fines and fees as outlined in my UCC Schedule fee of my Copyrighted property as the Secured Party.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77095
Submitted Via: Web
Date Sent: 2022-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX there has been NOTHING done or said bout fixing the PMI issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2022-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: The XX/XX/XXXX, Truist/SunTrust Bank ( STB ) denial letter has now added a new requirement : file a report with law enforcement. The XXXX previous STB letters ( XX/XX/XXXX and XX/XX/XXXX ) only stated to call them for any documents that were used in decisioning your claimwhich we did on XXXX previous occasions. On XXXX XX/XX/XXXX, XXXX we file an XXXX Police Department Identity Theft report ( attached ). So we are again requesting the any documentation that was stated in their letters to be provided to us. References : STB XXXX XXXX, and CFPB Case XXXX, and XXXX Police Department report XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a {$20000.00} check at a Truist ATM on XX/XX/22. This is a regular monthly deposit from my business account at another bank which I have been doing for more than 2 years. On XX/XX/22, an " Exceptions/Administrative Hold '' was placed for an amount {$14000.00} till XX/XX/22. This despite the check clearing successfully from the other bank on XX/XX/22 and the funds already debited. In speaking with Truist, I was informed that this was a Large Deposit Hold for 7 days. When I explained that the check had already cleared and I would be unable to pay my bills if the funds were not released, I was informed that there is nothing that could be done. I was also informed that there was no guarantee that this would not happen again. I understand a hold be placed until a check clears but do not understand or accept why this hold could not be lifted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A