Date Received: 2022-07-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am submitting a formal complaint to XXXX. I have submitted various verification letters to XXXX of fraudulent inquires on my credit report that continue to exist. XXXX has knowingly failed on their obligation to receive proper written verification for multiple inquires on my report and have taken no account to deleting this inaccurate information. A year ago I filed a FTC report for identity theft and a CFPB complaint for an inquiry by Lightstream/Suntrust . The company provided an application with the reference number XXXX and failed to show proper verification that identifies if my social security number or any other personal identification was used for this application and a valid signature that shows I applied for this loan. XXXX is wrongfully and illegally continuing to report this information despite not having proper verification for this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
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: I received an email this morning that a checking and savings account were opened in my name with XXXX XXXX XXXXXXXX. This happened with Truist yesterday as well. Ive called both accounts to alert them and called XXXX to put a fraud note on my file. I saw on a website I should also report this to you, so I am doing so. If you need any other information please let me know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2022-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On the morning of XX/XX/XXXX I logged into my and my husbands checking account to check the balance and to prepare to make a consumer loan payment. The account had a negative balance. We have a joint checking account, consumer loan account, and the overdraft account all with Truist Bank. On XX/XX/XXXX a phone XXXX transaction was made in the amount of {$1500.00}. This threw the account into overdraft. I also had a {$36.00} overdraft fee. I immediately called the phone XXXX to speak to someone and attempt to find out who authorized the transaction. The amount was for two payments of the consumer loan. The first person that I spoke stated that my husband authorized the transaction. I explained to her that " no '' my husband has XXXX and has been in the bed and talked to no one on the phone. The call was disconnected. I again called back and explained the same thing. Again was disconnected. I was disconnected four times. On the last phone call I was told that it was with the consumer loan department and they were closed today. The lady told me at first that she would request a refund but that the refund couldn't be done until Monday. Then she changed her story and said that since the consumer loan account was behind they wouldn't refund the money. She stated that she would contact me back on Monday. I then contacted the local Truist branch via phone in XXXX, NC and spoke to a Banking Rep and was told that Truist has the authorization to take the money from my account. I told her that my husband had contacted Truist loan dept several months ago to get assistance with the loan as we were having some financial issues. He was told at that time that they could not assist. We explained that we would try to get it caught back up as soon as possible. I told the banking reps the same thing. She said that they would have assisted us if we would have told them back several months ago. I then told her that again we could get no assistance. The account was only 30 days past due as XXXX has 31 days and we were only on day 29 when both payments were made. Truist bank made a potentially life threatening transaction and needs to be held accountable. They left us with no funds available to secure any needed groceries for the week, no gas to drive to work, and with XXXX of us just getting over XXXX, the other two days positive into XXXX. If someone could please advise if we have any recourse to take towards Truist Bank 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: NC
Zip: 28601
Submitted Via: Web
Date Sent: 2022-07-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have a personal line of credit that is paid off in full and now has a {$0.00} balance. I accidentally made an additional payment ( an overpayment ) which Truist Bank deposited and I want my money refunded. It has been close to 5 weeks now and I can not get them to refund the money which they deposited ( I have a copy of the cleared check with the Truist stamp on the back ) and are still holding. This is my money. I have spoken with at least 5 different people on the phone to no avail and even sent a written letter as requested with all of the information and copies of bank statements and the cleared check and no response. I am working with a banker at a local Truist branch who is trying to help me. She was told they see the check but they wont let her issue me a check for the refund due to some technicality on their end. I have been more than patient but at this point it is clearly theft. They deposited my check and are holding my money but refuse to return it to me. I need help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I've opened a Saving account and Safe Deposit Box with Suntrust Bank Branch location : XXXX XXXX XXXX XXXX, XXXX, GA XXXX in XXXX. I forget all about the safe deposit box due to me moving. I went back to the same branch location earlier this year attempting to retrieve the contents/ property that was inside the safe deposit box. The branch manager attempted to lookup my information via my Social Security, Name, Address. She stated system shows " no account found ''. I explained to her that the saving account and safe deposit box was opened Under Suntrust Bank, not, Truist. She stated system would have still found my account base on my social security. The Safe Deposit Box had my original Birth Certificate and I want it back. I also had other personal items inside the safe deposit box. I want all the content back. I'm originally from XXXX, it will be extremely difficult for me to get another copy of my birth certificate from XXXX due to the country 's political unrest. At no point did someone from Suntrust or Truist bank contacted my about the safe deposit box. Never received any letters regarding box being closed down. I currently live in Florida and attempted to get a local branch manager at Truist in XXXX XXXX, FL to assist. She went an email to the XXXX, GA branch and XXXX XXXX was supposed to get back to me, but I have not heard anything over 2 months. I also contacted GA Dept of Revenue/ Unclaimed Property division and they don't have any item for me from Suntrust/ Truist bank .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33936
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I'm unable to make a Principal Only payment through the website or the Mobile app. On the website, the option is not available. In the mobile app, the option is available, but disappears once I select a payment method. I called in to Customer Service XX/XX/2022 XXXX AM and spoke to multiple people. None of which could resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77006
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-29
Issue: Problem when making payments
Subissue:
Consumer Complaint: I have a Line of Credit or Equity Line on our home that I applied with for at Suntrust. A merger took place and Truist acquired our loan. When making payment online the payment was not processed correctly because Truist did not recognize Suntrust system. So every month I have needed to call in to get payment allocated correctly. I had two parts to my loan and one was revolving and the fixed loan. I tried to pay small loan off and just have fixed loan option and took 3 months to get this done. Now Truist is saying I owe back interest of almost XXXX dollars which is more than my daily perdiem on loan. When I make a payment they keep taking my entire payment and apply all to interest and no principal for two months now. I have paid full amount due which is a XXXX and now they say they can take all my payment and put it to interest which is wrong since fixed term was to be interest and principal with month per diem being about XXXX monthly. No one takes responsibility or can fix it due to they dont know why. Every time I have been told it was corrected it has not been.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: IT IS BROUGHT TO MY INTENTION THAT MY VA LOAN WAS CHANGED TO A CONVENTIONAL AFTER IT CLOSED IN XXXX. A CONVENTIONAL LOAN WAS ADDED TO MY LOAN IN XXXX OF {$28000.00} SOMEWHERE IN THAT BALLPARK. THEN IN XXXX, A LOAN WAS ADDED OF {$30000.00} BY THE OWNER OF MY HOME IN XXXX I DID A BACKGROUND CHECK, AND SURE ENOUGH, HE TOOK OUT A LOAN IN XXXX. I SENT DOCUMENTS TO TRUIST AND TO CFPB. VA DO NOT DO CONVENTIONAL LOAN OR INTEREST-ONLY. I HAVE SENT DOCUMENTS SHOWING THAT I HAVE PAID 3 TIMES AS MUCH IN INTEREST NONE IN PRINCIPAL. I CAN NOT SEND DOCUMENTS FROM THIS SITE. BUT HOW CAN THE GUY I PURCHASED MY HOME FROM STILL TAKE OUT LOANS ON MY PROPERTY? HE TOOK OUT SOME EQUITY {$28000.00} AND I WAS UNDERWATER IN XXXX WITH NO EQUITY. AND CHARGE IT TO MY PRINCIPAL. I HAVE SENT SUPPORTING DOCUMENTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Do not recognize these companies that pulled a hard credit check without my permission!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I disputed this company no knowledge of who this company is.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78148
Submitted Via: Web
Date Sent: 2022-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A