Date Received: 2022-08-01
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: When suntrust turned into truist my existed suntrust account was transferred. A banker then opened XXXX additional credit card accounts. When I went to a branch to close them they convinced me it would hurt my credit score and I should keep them open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was formerly a client of SunTrust Bank and I had a HELOC loan with them and I fulfilled my obligation of making my payments. Once SunTrust was bought out by Truist Bank, my payments got misapplied to wrong accounts and in turn, resulted in lates of 30 and 60 day Lates on all 3 of the credit bureaus. This has caused my credit score to decrease by over 100 points. In addition, I have had credit cards taken by lenders and credit limits reduced drastically. I have also been unable to acquire a mortgage loan or a personal loan from any lenders. Over the past 4 mos. I have been on phone calls weekly with customer service at Truist and visited two branches on several occasions to file formal complaints with a vice president in the XXXX branch in XXXX XXXX, XXXX All of this has been to no avail to getting them to remove the lates from off the credit bureaus. However, they have acknowledged their gross errors in applying my monthly payments to wrong accounts and have given me apology letters and a {$50.00} gift card. I have approximately 5 to 6 confirmation numbers to all the formal complaints I have filed with Truist bank. I have lost upwards of XXXX in credit availability, wasted money on high interest balances on existing credit cards and a couple of very good deals on some investment properties I was trying to obtain. This Bank, Truist, has single handedly ruined my financial standing. I want to be made whole again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received two notices from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, confirming acceptance of overdraft coverage on account ending in XXXX. At this time, I thought it was a scam. I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, dated XX/XX/2022, a notice of exception holds on deposit amount of {$4600.00} account ending in XXXX. Once again, I thought it was a scam. I received a notice from Truist Client Center XXXX XXXX XXXX XXXX, NC XXXX dated XX/XX/2022, regarding checking account ending in XXXX being overdrawn for at least 10 days with a balance of - {$47.00}. I still thought it was some sort of a scam. I received a letter from Truist Operations Center XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding notice of closure of account. The letter stated if I had any questions to contact fraud management. I called that Monday XX/XX/2022 at about XXXX XXXX, I spoke with a woman name XXXX, and she asked me for my Social Security number, and she confirmed someone used my Social Security and Drivers License to open a checking account under my name. She said they did not have my email or the correct phone number. The bank told me they would investigate the matter and get back to me. I received a letter dated XX/XX/2022, which I got in the mail XX/XX/2022, regarding returned Deposited/Cashed Item Fees. Since this incident, I put a freeze on my credit accounts. Got XXXX to monitor my accounts, called Social Security to let them know about my situation, and to make sure someone wasnt using my Social Security number for employment. I was told it looked fine. They also advised me to get a hold of the FTC, to let them know what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 88011
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, I applied online to my checking account Truist Bank for a {$170000.00} refinance loan to pay off the approximately {$160000.00} debts I had accrued and the {$10000.00} closing cost of obtaining the loan. My home was appraised in XX/XX/XXXX, and was valued at $ XXXXOn XX/XX/XXXX, I received this email from Truist Bank representative XXXX, XXXX XXXX : " Hey XXXX, Thanks for providing the information for your income. I have put the info in the system and was able to run your credit. Unfortunately due to the credit being XXXX and other factors they are not going to approve the mortgage loan at this time. For cash-out loans guidelines require a credit score of XXXX or higher. I am so sorry for the news but wanted to let you know as soon as I did. They will send you and email letting you know the results as well. XXXX XXXX Mortgage XXXX XXXX Truist Home Mortgage I had not asked for a cash-out loan. Nowhere on the Truist On Line Banking site does it state that refinance loans will only be granted to customers with a credit rating of XXXX or higher
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Getting the loan
Subissue:
Consumer Complaint: I applied for a personal loan from LightStream which is run by Truist Financial Corporation. Truist, LightStream, and the LightStream logo are the service marks of Truist Financial Corporation. The Loan was declined on XX/XX/2022. After submitting application they send me an email to answer questions about my application. I called the number provided in email and answered all questions their agent asked. I was asked to submit more documents in addition to documents and details already given in my application. I complied and submitted several documents only to be told in another email that my loan is declined and I can " check '' the reasons after logging on their website within XXXX days. I never received any call any letter or any reasoning from this company. Based on their advertisements online, my credit score and my annual salary as a XXXX and my investments and saving, I believe that I am discriminated by this company based on my XXXX my XXXX, my XXXX. This is a sham company which should be investigated and if required prosecuted. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95746
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: HELOC application with Truist Bank XX/XX/XXXX : I applied for a HELOC on XX/XX/XXXX and provided all requested information to the credit XXXX, XXXX XXXX. XX/XX/XXXX : I requested a full appraisal on my property, because XXXX tend not to provide the most appropriate value of property. I made the request to credit XXXX, XXXX XXXX. She indicated that they do not order appraisals unless it's needed. However, I insisted on a full appraisal. XX/XX/XXXX : A prelimiary approval was provided to me, in the amount of {$270000.00}. XX/XX/XXXX : I spoke with XXXX XXXX to inquire about a Final Approval and the full appraisal. I informed her that I have been working as an Internal XXXX for 18 years and I understood the process. She informed me that all things were moving forward. XX/XX/XXXX : I inquired about closing, with XXXX XXXX. XX/XX/XXXX : XXXX XXXX informed me of the banker who would be closing the loan. XX/XX/XXXX : I requested an update. I did not receive a response. XX/XX/XXXX : I confirmed that my wife would be signing closing documents. XX/XX/XXXX : I asked XXXX XXXX if a closing date was set yet and I inquired about the full appraisal. I did not receive a response. XX/XX/XXXX : I inquired again with XXXX XXXX regarding the closing date. XXXX responded that no closing date has been set. XX/XX/XXXX : I reached out for an update regarding the full appraisal and the closing date. No response from XXXX XXXX. XX/XX/XXXX : I reached out again regarding the full appraisal and the closing date. No response from XXXX XXXX. XX/XX/XXXX : I reached out again regarding the full appraisal and the closing date. XXXX XXXX responded back indicating that the XXXX value was too low to meet the original preliminary amount of {$270000.00} and a counter offer with a lower amount has been granted. Now she indicates that a full appraisal is required or accept the counter offer. Below is a copy of the email chain from today 's correspondence, from XXXX XXXX, the branch XXXX. I have also called ( left voicemail ) and email XXXX XXXX, the regional XXXX. Her contact number is XXXX. Also, below is a list of all email copied on my correspondence. XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX p.s. I went through the same situation with XXXX XXXX last summer in XX/XX/XXXX. Basically, she neglected to order a full appraisal and ordered an XXXX, in which the value came in {$70000.00} lower than the full appraisal. This is the primary reason why I do not trust AVMs and ALWAYS, ALWAYS, request full appraisals. Re : HELOC - XXXX XXXX [ -Private- ] XXXX XXXX XXXX XXXX XXXX you for your response. You neglected to acknowledge that I requested a " full appraisal '' on XX/XX/XXXX and there were several emails sent last week inquiring about the " full appraisal ''. My question is, why didn't XXXX order the " full appraisal '' on XX/XX/XXXX, as requested- as opposed to rejecting my request to order the " full appraisal ''? It has been a total of 19 days since I first requested a " full appraisal ''. Can someone explain to me why my original request for a " full appraisal '' was rejected? To my knowledge, the rejection does not seem to be warranted, considering there are no prohibitions to full appraisals. Am I missing something here? thank you, XXXX XXXX From : XXXX, XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : XXXX XXXX ' XXXX ; XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX XXXX, XXXX XXXX XXXX XXXX RE XXXX XXXX - XXXX XXXX [ -Private- ] Data Risk Classification : [ -Private- ] Good Afternoon, Thank you for reaching out directly with your concern. I did see that XXXX XXXX XXXX has reached out to you today about full appraisal options ; I have attached a copy of her response above. For any servicing needs please reach out to your loan originator, XXXX XXXX XXXX. I am sure XXXX XXXX will provide all her managers information to you directly. XXXX XXXX Truist Bank XXXX XXXX Bank Senior Relationship Banker IV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX ; XXXX, XXXX XXXX Cc : XXXX, XXXX XXXX ; XXXX, XXXX XXXX XXXX : XXXX : HELOC - XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX XXXX, I sent the XXXX XXXX XXXX XXXX, to XXXX XXXX and XXXX would like to request the following : 1 ) a call from XXXX 's XXXX and XXXX ) someone to order a full appraisal " as XXXX requested on XX/XX/XXXX. See email below. XXXX - XXXX asked you to order a full appraisal report on XX/XX/XXXX because I knew it was necessary ( see email correspondence below ). I explained to you that I have been a bank XXXX for 18 years now and I clearly understand this process. Please, have your XXXX to call me at XXXX because the way you are treating me is very rude, unprofessional, and unfair. I have asked you several times to 1 ) order a full appraisal and 2 ) provide me with your XXXX 's contact information and you refuse to do this. XXXX, is it possible for you to provide me with XXXX XXXX 's XXXX 's contact information? thank you, XXXX XXXX # secure # Time Sensitive : Your Application with Truist Bank # XXXX : XXXX, XXXX : XXXX : XXXX XXXX XXXX Someone gets assigned to that task and they take care of that. If they need to contact you for that they will. We do not do a full appraisal unless requested or needed. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX : XXXX XXXX The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete From : XXXX, XXXX Sent : Mon, XXXX XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX, XXXX Subject : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX ] Data Risk Classification : [ -Private- ] Hello XXXX, The value returned in the amount of {$590000.00}, and the estimated value input at application was {$630000.00}. At this point, the current line amount will be countered or you may want to do a full appraisal. If we do then the cost of the full appraisal will be paid by the client and not the bank, but that is an option that you may decide on. I also need you to confirm that you will be signing as XXXX XXXX XXXX. Once you respond to these items, give me 48 to 72 hours so that I may reach backout. Thanks, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX : XXXX XXXX From : XXXX XXXX XXXX XXXX : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX ' XXXX Cc : XXXX, XXXX XXXX Subject XXXX RE : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX set date on XXXX. We will reach out to you once we are ready to schedule a date. Thanks, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, FL XXXX : XXXX XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX PM To : XXXX XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX, Do XXXX have XXXX XXXX XXXX for the closing yet? Please, respond if you get a spare moment. thanks, XXXX From : XXXX, XXXX Sent : XXXX, XXXX XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX, XXXX Subject : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX confirm that XXXX XXXX XXXX will be in present at the closing to sign the DOT. Thanks, XXXX XXXX XXXX XXXX XXXX XXXX Florida Hope Strategy Advisor NMLS # XXXX XXXX, XXXX XXXX : XXXX XXXX The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. The information transmitted is intended solely for the individual or entity to which it is addressed and may contain confidential and/or privileged material. Any review, retransmission, dissemination or other use of or taking action in reliance upon this information by persons or entities other than the intended recipient is prohibited. If you have received this email in error please contact the sender and delete the material from any computer. From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX PM To : Consumer Loan Decision XXXX Cc : XXXX, XXXX XXXX Subject : Re : HELOC - XXXX XXXX Thank you for your response. Please, include XXXX XXXX as well. I would like to keep her XXXX in the loop in the event this becomes an escalate situation, given that all requested documents were provided to XXXX on XX/XX/XXXX. Thank you, XXXX Sent from my XXXX On XX/XX/XXXX, at XXXX PM, Consumer Loan Decision XXXX wrote : Good Afternoon XXXX XXXX, I hope all is well! I have added your XXXX XXXX XXXX XXXX XXXX to this email for her to follow up with you. XXXX and have a great day! XXXX, Please reach out to XXXX XXXX today. Thank you in advance! Consumer Loan Decisions XXXX From : XXXX XXXX XXXX Sent : XXXX, XX/XX/XXXX XXXX AM To : XXXX XXXX XXXX XXXX Subject : XXXX : XXXX - XXXX XXXX XXXX morning, I am reaching out to you for assistance/guidance regarding a HELOC transaction, currently in process - considering the current Credit XXXX, XXXX XXXX XXXX XXXX unresponsive and I am unable to contact her XXXX. If possible, can someone, please, provide me with an update regarding this transaction? All requested information was provided to XXXX XXXX, on XX/XX/XXXX. Please, feel free to contact me at XXXX at your earliest convenience. Respectfully, XXXX XXXX From : XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX AM To : XXXX, XXXX XXXX ; XXXX XXXX ; XXXX XXXX Subject : HELOC XXXX XXXX XXXX Good morning, XXXX Hope you are doing well XXXX I am reaching out to you for assistance/guidance regarding a HELOC transaction, currently in process - considering the current Credit XXXX, XXXX XXXX XXXX XXXX unresponsive and I am unable to contact her XXXX. If possible, can someone, please, provide me with an update regarding this transaction? All requested information was provided to XXXX XXXX, on XX/XX/XXXX. Please, feel free to contact me at XXXX at your earliest convenience. Respectfully, XXXX XXXX RE : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cc : XXXX, XXXX Sent : XX/XX/XXXX XXXXXXXX XXXX Good morning XXXX, XXXX would like to ask if you could provide me with an update, today, regarding my appraisal and please copy your XXXX on all correspondences to ensure they are aware? Thank you, XXXX XXXX : XXXX, XXXX Sent : XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX To : XXXX Cc : XXXX, XXXX Subject : RE : # Secure # Comment Made on XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX set date on closing. We will reach out to you once we are ready to schedule a date. Thanks, XXXX XXXX XXXXXXXX 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: NC
Zip: 27545
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Service Finance COMPANY FILE A ILLIGLE UCC ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT XXXX BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Service Finance COMPANY FILE A ILLIGLE XXXX ON MY PRAVITE PROPRTY WHILE WAS ASKING FOR VALIDATION AND AFTER I USED 15 USC 1635 RESCIND ING MY SIGNATURE WHICH IS ALSO MY PRIVITE PROPERTYOF ALLGEGED DEPT BREAKING 15 USC 1691, NEVER VALIDATED THE DEPT SENT ME A PRINT OUT FROM THEIR COMPANY AND NOT Leaguer BALANCE 15 U.S. CODE 1666d Treatment of credit balances, they disclosed my information to15 USC 1681 Section 602 States I have the right to Privacy.15 USC 1681 Section 604 A : It also states a consumer reporting agency can not furnish a account without my written instruction XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX CA XXXX a third party without my consent 15 USC code 15 6802
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Ive never heard of Truist back until I got a notice in the mail. A few days later I get an email from ( XXXX ) to my personal email account. I called the branch closest to me and got the number for the fraud dept, it was the same phone number in the email. But when you call people with accents are asking for my social security number. Seems very fishy but see as the number came from someone at the branch this whole bank seems fishy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-31
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: IF ARE SUCH A CARING INSTITUTION WHY ARE YOU CHARGING ME SUCH A HIGH INTEREST RATE AND FOR LONG WHEN OTHER INSTITUTIONS CHARGE SUCH A LOWER RATE. I JUST CAN'T UNDERSTAND YOUR REASONING!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A