Date Received: 2022-08-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I closed a truist account at least two months ago, I cant remember the exact date. I had opened the account on XX/XX/XXXX and closed it shortly after mom died in XXXX. I had opened a joint account it to help her since she had XXXX. About a month later i no longer needed the account since my main bank is XXXX XXXX. I closed the account at truist over the phone and asked them to send me a cashiers check for the {$400.00} or so odd dollars that was in the account. To date I have not received my money and have had 6-7 interactions with them mostly on the phone but once at the branch in XXXX XXXX XXXX XXXX XXXX. They have told me time and time again that it is coming and after they determined it might be lost on XX/XX/XXXX they said theyd escalate it but as of today, after another interaction with customer service they still can not tell me when Im going to get my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: In XXXX of XXXX my XXXX ( mental and physical issues ) husband wanted to go look at trucks and XXXX XXXX had just opened not far from us in XXXX, FL. We wanted to JUST BROWSE there was construction going on and a lot of people in and out. My husband had wondered away from me, and a salesman grabbed the opportunity to shame him into purchasing a truck. We were railroaded into this purchase within minutes. I continually told the credit manager, XXXX XXXX, ( who had to have us sign three different contracts since each time he claimed the name was misspelled or the address was wrong ) and the 4 different sales reps that we were not here to purchase. Apparently being a woman and a wife with an obviously XXXX husband my words meant nothing to them. My XXXX husband became over stimulated at the issue going on around him and push me to just buy the truck so we could leave. We both felt as though we couldnt leave without purchasing the truck. At one point I even told one of the salesmen to get out of my vehicle as we were NOT buying a truck. After brining the truck home, I tried for three days to get a hold of someone at the dealership to reverse the purchase no shock at all, but the phone was out at the dealership! Monday after the truck was purchased Regional Acceptance Branch Manager XXXX XXXX CALLED me and stated that our loan was done in error, and we should not be a customer of Regional Finance since they are a finance company that deals with hard to finance clientele. Our conversation was less than pleasant, and I didn't want the truck anyway. He stated that if I made a few payments that I could get it refinanced to lower the payment and interest rate. This battle of back and forth and misleading information and being told lie after lie went on for 12 months. Did I mention my husband is XXXX yes. We are also on a very tight income as XXXX XXXX was made aware of at the point of purchase. The payment was just over {$840.00} a month and for 12 months this payment was made under duress. Finally, after a solid year of being lied to and misled I had enough. We took the truck back in immaculate condition and voluntarily returned to Regional Acceptance. I never heard from them again. Fast forward to XXXX of XXXX we are from our home of 7 years to a more affordable living facility and Regional Finance shows up on our credit report! It is the ONLY bad rating on both myself and my husbands three credit bureaus! Consequently, due to this unjust and unfair reporting we are homeless! We have stayed at our daughters for 6 months and now with my sister. What is most disgusting is that this entire issue could and should have been resolved had Reginal Financed practiced fair lending and were not bullies. It is my prayer that this unjust report on all three credit bureaus for myself and for my husband be removed entirely. I also believe that the value of the truck and the FACT that it was returned in excellent condition without issue was payment enough. With all that transpired during the sale and afterwords I also believe that it would be responsible of Regional XXXX to remove the FALSE information for their benefit as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: My auto debt was originated with Sun Trust Bank. Truist Bank later purchased this debt servicing. When I try to resolve the debt with the charge-off department is not available. The contact information is nowhere on the website. You have to call and be placed in an automated queue. This continues to negatively impact my credit. This appears to be a deliberate act to keep accounts open infinity for leverage while shadow-banning my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77087
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I had XXXX vehicles financed through SunTrust Bank. A XXXX XXXX and XXXX XXXX XXXX. From day XXXX to date, I never missed a payment nor have I been late. XX/XX/2022 I made my XXXX Payments with XXXX separate payment coupons XXXX for the XXXX and XXXX for the XXXX XXXX. The cashier posted both payments on the XXXX truck and nothing on the XXXX XXXX but gave me receipts for both separate vehicles ( I do have ever receipt for every payment made on both vehicles ). SunTrust since sold their bank to Truist bank and I have since traded the XXXX XXXX. I have went back and forth with Truist Bank and the last offer they gave me was they could refund me the late fees and fix my credit but not my payment. In order for them to refund my payment I need to bring the title of the XXXX XXXX to them then at that time they would reverse an credit the payment back to the XXXX XXXX. I do not have that truck because I traded it for another truck in XX/XX/2022. I have always made my payments early and when I made my XX/XX/2022 payment on the XXXX of XXXX around dinner time I got an harassing phone call from Truist about a payment. I was so upset I said some harsh words and the next day I paid the loan off in full including their error payment and late fees. I need to recover my loss of money which is {$530.00} plus XXXX months of {$26.00} late fees and restore back my credit. Again I have all of my receipts that I can scan to upload as attachment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My name is XXXX XXXX and eight months ago I took a XXXX dollar check into the truist bank on XXXX XXXX XXXX XXXX. They allowed me to use the check to open a checking account. I ordered a debit card. All that. They told me I would be able to access my funds in 3 to 4 days. So, five days later I stepped back into the bank to pull out a XXXX XXXX dollars. I was Informed that without explanation, they decided not to open me an account. Thats fine. This was about eight months ago. I have spent this entire time trying to get my money back. I am a poor person. This money was my everything and it has been kept from me for no reason for eight months. To a degree, this theft has to be somewhat on purpose. I have walked the two miles up to that bank at least ten times. I have called customer service and waited on hold for hours on end for at least 50-100 times. If I go to the bank. They say I need to call customer service. I call customer service and they say its up to the branch to release those funds. They immediately closed my account upon opening it. Yet I get a monthly statement every month showing my XXXX dollars still in my closed account. I have begged these people for my money back. Begged. Its been 8 months. They are still holding it and giving me the run around. These people are thrives and deserve to be in handcuffs even if I get my money back. Just for keeping it from me for this long. My name is XXXX XXXX. My account number is XXXX. Birthday is XXXX. Please God help me. These monsters just hold my money while I starve. My only crime was being XXXX enough to trust them with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I was contacted by my loan servicer in XX/XX/XXXX from BBT, now Truist, who asked me if I wanted to get a forbearance for my mortgage because of Covid. After they contacted me several times I decided in XX/XX/XXXX to get a forbearance. I asked each representative how would it affect my mortgage. They stated that it would not affect my mortgage, that the payments in forbearance would just be added to the end of the note. When my forbearance was up, I received documents and calls from Truist that I needed to do a modification on my loan. I told them that I was not told that when I did the forbearance. They put me on a temporary payment plan starting in XX/XX/XXXX which I paid every month as required. I received the modification documents from them on XX/XX/XXXX requesting that they be returned on XX/XX/XXXX. I called Truist and told them that I did not receive the documents until XX/XX/XXXX and that I would not be able to get them back to them by XX/XX/XXXX because they had to be notarized and mailed. The representative confirmed that it was acceptable to get them back to Truist by the end of the month. Today I received a call from a representative from Truist asking about the modification documents. At first she said they did not receive the modification documents. I located my receipt from XXXX and tracked the package. It was delivered and received at the XXXX, VA office on XX/XX/XXXX, just as I had promised and they had approved. After giving the representative the tracking information, she changed her statement and said the documents were not received in a timely manner. I told her I got them on XX/XX/XXXX, and because they needed to be notarized, it was not possible to get them back to them by XX/XX/XXXX. I also told her that I called in and made the payment on the telephone to ensure that it got there on time. The representative said my mortgage documents were not there ; therefore, my loan was in default. I feel that Truist is trying to steal my home because I am a XXXX XXXX XXXX XXXXXXXX woman. They did not give me ample time to get modification documents notarized and returned to them. Truist is also trying to defraud me. 1 ) They did not tell me that I would go through a modification when they asked me to do a forbearance. 2 ) They did not advise me of the exorbitant escrow fees and interest fees that I would incur at the end of the forbearance. 3 ) I made every payment since the forbearance ended as required. 4 ) They only gave me one business day to return notarized documents to them. 5 ) The representative lied at first and said they did not receive modification documents 6 ) Truist received my documents and my payment before the end of the month as they agreed to. XXXX a. Tracking receipt from XXXX b. Payment confirmation # for XX/XX/XXXX XXXX c. Modification documents
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have banked with Truist ( formerly Suntrust, formerly XXXX, formerly XXXX XXXX ) for more than 40 years. I now deposit a rent payment from a major company ( into a personal account ) every month on or about the 1st. It is always for the same amount. This month ( XX/XX/2022 ) Truist put a hold on part of the funds for a week. In 40 years I have never had a bad deposit nor an overdraft. Why was ( are they ) Truist allowed to do this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29115
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had forgotten about this account with SunTrust bank account and it accrued {$390.00} in overdraft fees. When Truist took over the bank I went into my branch and paid it off via cashiers check on XX/XX/2022. It never changed on my credit report. I went back into the branch in XXXX of XXXX and inquired about it. They told me that the cashiers check had cleared on the XXXX of XXXX and was posted to my account on the XXXX and gave me a letter stating this and told me to file an investigation with the credit agencies. Which I did. However, Truist instead reported that the amount was not paid and still had the {$390.00} outstanding balance. Which in turn caused my credit score to drop XXXX points. I would like them to rectify this immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 and XX/XX/2022, my wife received documentation from Truist Bank as follows : - Several Money Market accounts stating that her overdraft protection was declined. - Several bank statements showing small balances less than {$1.00}. - She never had or opened a new account with Truist Bank. On XX/XX/XXXX we contacted Truist Bank in XXXX, Va. We gathered the statements and went to Truist Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX. We spoke with XXXX XXXX, XXXX Team leader ( Ph : XXXX. We expressed that we were concerned about theft ID and how someone could open several accounts without personally coming in to the office. XXXX XXXX contacted their fraud department and placed a block on the account. She advised us to contact the credit bureaus and have our data frozen. She provided us with her business card and said that we will receive written documentation from the Fraud Department. The same day we contacted the credit bureau and had our accounts frozen. On, or about XX/XX/XXXX, we filed a fraud report with the XXXX of XXXX XXXX, VA. On XX/XX/XXXX, we had not received any contact from Truist Bank and called the office in XXXX to inquire of the status. They had none. After that we called the Truist Bank fraud department. They stated that they show the accounts blocked. We asked for documentation to show that the accounts were blocked and the progress they have made. We were told that they will not provide us with any documentation. This caused grave concern for us since it appears that our ID has been stolen. They refused several times by saying that we will not receive any documentation, but the conversation has been recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 233XX
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I received a final loan modification on XX/XX/2022 and have continued to make timely payments. I returned the signed and notarized final loan modification documents and I have not received from the bank a signed copy of the final loan modification for my records, which I have requested. The only access we have to our account at this time is to view it online and it has not been updated. We are not able to make online payments, only by phone payments. It is my fear that the loan modification has not been properly entered into Truist 's system and I am not being credited properly. I am in fear of losing my home and have done all that was requested of me and my family to keep my home. I require immediate resolution of this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70124
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A