Date Received: 2024-01-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The 2 late payments on XX/XX/2023 and XX/XX/2023 are inaccurate and I would like to see the documentation other wise it needs to be permanently removed from my credit report and updated to paid on time never late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30088
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This was a denial of loan due to illegal consumer reporting I received on XX/XX/ Reference ID XXXX from Truist Bank Dear XXXX XXXX, Thank you for applying for an installment loan. After reviewing your application, we regret that we are unable to approve your request based on the following reasons : XXXX XXXX delinquency, and public record or collection filed Too few accounts currently paid as agreed No recent non-mortgage balance information Proportion of balances to credit limits is too high on revolving accounts The consumer reporting agency referenced below did not make the decision and is unable to provide you with the specific reasons why your application was not approved. However, since our decision was based in whole or in part on information from this consumer reporting agency, under the Fair Credit Reporting Act, you are entitled to know the information provided to us. You also have the right to receive a free copy of your consumer report from the consumer reporting agency, if you request it within 60 days of this notice. In addition, you also have the right to notify the consumer reporting agency and dispute the accuracy or completeness of any information on your consumer report. To receive this information, contact : XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX We also obtained your credit score from XXXX and used it in making our credit decision. Your credit score is a number that reflects the information in your credit report. Your credit score can change, depending on how the information in your credit report changes. Your credit score : XXXXDate : XXXXScore ranges from a low of 341 to a high of 850.Key factors that adversely affected your credit score : Serious delinquency, and public record or collection filed Too few accounts currently paid as agreed No recent non-mortgage balance information Proportion of balances to credit limits is too high on revolving accounts The number of inquiries on file adversely affected the score Truist Bank The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age ( provided the applicant has the capacity to enter into a binding contract ) ; because all or part of the applicant 's income derives from any public assistance program ; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Bureau of Consumer Financial Protection Per FCRA 604 ( 2 ) Permissible Purposes ; as a federally protected consumer each this is a direct violation of federal law. Anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : In accordance with the written instructions of theconsumerto whom it relates. This section states as a disclosure to the consumer that a CLEAR and CONSPICUOUS disclosure be made in writing and also authorized with the consumers signature before any consumer private protected information can be used or reported. In violation of FCRA6 ( A ) ( i ) XXXX has provided an unlawful consumer report without any written form of disclosure and without my written consent. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of 15 USC 1681. XXXX can not produce evidence of said disclosure as described within the FCRA as no such document exist. Thus making this an unlawful act. damages were done from the denial of my rights mentally and financially. Ive been discriminated against as there are no federal laws that state a credit score can deny me a right to extend credit. I, in good faith exercise my right and I, the natural person have been discriminated against by Truist Bank in pursuant to 15 U.S.C. 1691. Serious delinquency, and public record or collection filed. Too few accounts currently paid as agreed, No recent non-mortgage balance information, Proportion of balances to credit limits is too high on revolving accounts, consumer report does not include reports containing information solely as to transactions or experiences between the consumer and the person making the report. This is discrimination and is unlawful in accordance with 15 USC 1681a ( 2 ) ( i ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60619
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was an investigation in Truist as well as in XXXX XXXX here in NC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-09
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: I took out a heloc loan in XX/XX/2022 for {$70000.00}. I knew this was a long term loan and wanted a fixed rate. It was supposed to be fixed as I had done a fixed loan on my own in the past under Suntrust. It was at the time of merger and the bank was in chaos. When I realized the rate was not fixed I began calling in XXXX. Check the logs... multiple calls with no action until XX/XX/2022 when someone tried to help. I was expecting a conversation about the rate and was looking for a rate around 4.11 % when I first started seeking resolution. Instead, someone changed the rate to XXXX? %, then they took my husband off the loan and never notified me of the " new loan ''. I never signed the paperwork, never got an amortization schedule and didn't know what was done until months later. I thought they were still working on it because Truist customer service is the worst I have experienced. After getting a " fixed '' loan that I never signed, I noticed all my payments in some months were going to 100 % interest and nothing to principle. I asked for a rate adjustment and to review my loan payments. This has been going on for XXXX years now and the last person I spoke with ( XXXX ) told me to go ahead and report to the CFPB. XXXX said my credit hasn't been damaged and I can't prove anything. The market XXXX XXXX, that was working on a resolution never called back. I went to the branch and was told he was fired but they knew he was working on it. XXXX in XXXX would never call back or answer emails. The new market XXXX wouldn't call me back. Is it legal to refi a loan without my signature, take my husband off the loan, apply my principle to interest? And never got the lock I was looking for for months. I have filed multiple complaints because no one will respond or call me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34221
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: XX/XX/XXXX : I invited in a 7-month Certificate of DeposiXXXX at Truist with an interest rate of 4.16 % and an APY of 4.25 % with a maturity date on XXXX XXXX XXXX XX/XX/XXXX : I received a notice in the mail from Truist to remind me of my CD 's upcoming maturity date and that the CD was set to automatically renew " for another term of 7 months, at the interest rate in effect on the maturity date. '' The notice listed the renewal date as XX/XX/XXXX and the grace period as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to research interest rates for 7-month CDs at Truist in late XXXX and early XXXX but was unsuccessful in finding this information on Truist 's website. I researched the general market rate for CDs at competitors online during this time and it was comparable to the original rate when I invested in the CD at Truist in XXXX. XX/XX/XXXX : I received a notice in the mail from Truist confirming my CD was automatically renewed on XX/XX/XXXX. The notice listed my current interest rate at 0.01 % and the APY at 0.01 %. The notice listed XXXX XXXX XXXX as the date of the renewal notice, the last day of the grace period for the renewal. I received the notice 14 business days after the renewal date ( XX/XX/XXXX ). XX/XX/XXXX : I called Truist 's customer service number at XXXX AM to discuss the renewal notice as I believed there was an error in the renewal rate for my CD as it was significantly below other CD options on the market. I had a 17-minute call with a customer service representative who confirmed the rate of the CD is 0.01 % and that this is not an error. This individual told me that it is Truist 's practice for all of Truist 's CDs to auto-renew at a 0.01 % rate. I was advised on the phone that I could go into my local Truist branch and ask to invest in a promotional rate CD for a higher rate. XX/XX/XXXX : I went into my local Truist branch and spoke to a bank manager about my CD and the rate of 0.01 %. The bank manager told me that it is Truist 's policy for a bank representative to contact their clients near the time of renewal to discuss renewal options and that someone should have contacted me. The Truist bank manager also said it is Truist policy to re-enroll CDs at 0.01 %. The Truist bank manager said he could close and re-invest the funds in a 5-month CD at 5 %. When I asked if there would be a penalty to close the 7-month CD, the Truist bank manager told me there would not be a penalty because it was " not invested ''. I confirmed I wanted to proceed with investing my funds in the 5-month CD. After having me sign the paperwork to open the new 5-month CD, we noticed that the 5-month CD had {$25.00} less than the 7-month CD had upon maturity. When I pointed out that the 5-month CD was short {$25.00}, the Truist bank manager confirmed that there was a {$25.00} fee, a direct contrast to what he had informed me before I gave my permission to open the 5-month CD. It was apparent that the Truist bank manager did not realize there was a fee, but he did not offer options for me to not have the fee taken from my account. I also asked if I could turn off the autorenewal setting for the 5-month CD and another longer-term CD I have at Truist. The Truist bank manager informed me that it is not possible to turn off autorenewal. He notified me that someone at Truist will call me the month the CD is maturing to discuss options and provide a quote for possible rates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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 had my Truist credit card fraudulently charged {$500.00} plus fees on XX/XX/XXXX. I opened up a fraud claim/investigation with the bank immediately by phone. I've been waiting for over a couple of months for the credit to be applied back to my card. I have called multiple times, gone to my branch bank, who also called for me, asked for someone to call me, and had the claim escalated and expedited. No response from the fraud unit. No one can tell me why the credit has not been applied back to my credit card. Initially, the bank said it would take up to 2 billing cycles to resolve. It is now in the 3rd billing cycle and nothing has been done. The service personnel that you talk to when you call can do nothing for you. They are there just to relay what information they have on file, which isnt much. The calls are worthless. There is no one to talk to directly about the status of the claim. The bank keeps adding interest charges and requesting payments on the account, which is illegal according to the Consumer Financial Protection Bureau. So now I have to make minimum payments on an unauthorized charge just to protect my credit, which is excellent. I was a customer of BB and T for years and never had a problem. This is the worst customer service that I have received from any bank. I think someone needs to do something. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: A company Submitted a loan in my name to Service Finance Company LLC I informed them. 1.That is not my name or Signature 2 . I did not approve of any loan and I would like to Contest it but they still call me and request to pay and continue to tell the Credit agencies I refuse to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
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: Back on XX/XX/XXXX there were several fraudulent charges placed on my Truist credit card. I reported it and some of the charges were refunded but one was not. I have called several times since to see if when there would be a resolution to this case and have been told each time that I needed to wait until 90 days after the charge was placed so that it could be " escalated '' and researched. I waited for the 90 days and called Truist again on Thursday XX/XX/XXXX and was told that the case was still pending - that it would be " escalated '' and that I should call back in 48 hours for a resolution. I called again today XX/XX/XXXX and was told once again that the case was still pending. I have been charged interest charges and have had my credit score affected negatively. I have expressed this stress to Truist and they keep assuring me that the matter will be resolved soon but all that happens is " escalate '' the case and note it is still pending. I always pay my credit cards on time, hold no balances, and have an excellent credit score so this has been particularly frustrating to me. I've asked to speak to a manager or someone that can help me further resolve this issue but have simply been ignored on the phone calls and told all that can be done is mark the case as " escalated '' and to call back. These are the details for the fraudulent charge that has not been removed : 1- Transaction Details {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Transaction Type Debit Receipt Attached No These charges occurred only a day after I upgraded some seats for a flight I had an XXXXXXXX XXXX and my assumption is that my credit information was stolen there. I was issued a new card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32609
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: It has come to my attention that someone has altered my name associated with my social security number. Per conversations with the social security administration there was activity unauthorized and unknown to me regarding my legal name as associated with my social security number. I have reason to believe that I may have been or will be the victim of bank and financial fraud. In particular certain marital assets and trust assets held at SunTrust, XXXX XXXX SunTrust XXXX XXXX XXXX XXXXXXXX XXXX and also XXXX XXXX may be at risk. Such bank branches primarily located in XXXX and/or XXXX, TN. I seek your help on how to flag any accounts held in my name or for my benefit. In particular, how to ensue any transfer or removal of my rights to custodial assets. I have reason to believe the trust assets involved evade [ $ XXXX ]. As of [ 2014 ] the assets have been a part of a civil dispute. I have not authorized any transfer of assets held in my name or for my benefit. Unfortunately, trust officers at the aforementioned banks may be incentivized ( or misled ) to commit fraud. The law firm XXXX XXXX XXXX XXXX office, at XXXX XXXX XXXXXXXX, has a long history representing the trust and related accounts at issue. I seek your help to assure my accounts are held and protected in accordance with all applicable laws and regulations. Thank you, XXXX XXXX XXXX XXXX *** XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had a Savings account as well as a Checking account with Truist, both of which have since been closed. RE : the Savings Account - I never paid any bills from this account, only transferred money to it and occasionally transferred large amounts out from it to a larger credit union account. Starting in XX/XX/XXXX, the account started to be hit with monthly DIRECT debits from two service providers, XXXX and XXXX. Both are companies I deal with for my own service, but these direct debits were completely separate from my normal monthly payments from checking. As I believed the savings account to be secure and rarely touched it myself, I did not monitor it closely, and I finally caught the issue in XX/XX/XXXX. RE : The Checking Account - the situation with Savings prompted me to examine Checking again, and I found a few smaller, unauthorized amounts direct debited there as well, also from XXXX, going back to XX/XX/XXXX. They had occurred alongside, but clearly separate from, my normal monthly charges. There is no one among my family or friends who would have had access to these accounts, and my only guess is that an online banking password breach may have caused it. Upon discovery of all, I immediately filed a fraud claim with my local Truist branch detailing all dates and amounts, and I closed all my existing accounts. Truist has been considering my claim for a couple of months, and has returned a few amounts ; however, most of the amounts, though they were still within the allowable window of time for consideration ( 6 months ) and I signed to verify that I did not authorize them, have been declined, presumably because of Truist 's inability to recoup funds from the carriers in question. This complaint is only concerning those amounts that were within Truist 's 6-mo. statute of limitations, yet still declined. The amounts in question are below. SAVINGS ACCOUNT XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$250.00} XXXX XXXX {$320.00} XXXX XX/XX/XXXX {$270.00} XXXX XX/XX/XXXX {$290.00} XXXX XX/XX/XXXX {$270.00} XXXX XXXXXX/XX/XXXX {$200.00} XXXX XX/XX/XXXX {$460.00} XXXX CHECKING ACCOUNT XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$97.00} XXXXXXXX XX/XX/XXXX {$90.00} XXXX XX/XX/XXXX {$90.00} XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A