Date Received: 2022-07-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX my XXXX XXXX XXXX daughter discovered unauthorized use of her bank card. She called and reported these as fraudulent as well as requested her account be frozen and a new card issued. For four days after new charges kept popping up. This time I called with her and the account was in fact frozen finally. On XX/XX/XXXX I discovered Truist bank froze my son and I 's checking accounts. They claim our accounts were frozen because my daughters account is still linked to mine. They have refused to unfreeze the account leaving me with no way to provide food in my house, go to doctors appointments, or refill medications. This is my only account and I do not own a credit card, or have access to cash. The total charges in question are {$3200.00} and I was told by Truist the only way to regain control of our accounts was to come in with cash to satisfy this debt. My daughter denies having any knowledge of these charges and still has her debit card so this did not occur because of a lost or stolen card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20853
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: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an email on Thursday, XX/XX/XXXX that a checking and savings account was opened with truist bank and my email address was the receiving the confirmation emails that the accounts were created. I contacted the banks customer service and immediately filed a fraud report with them and they provided instructions on what to do in case personal information such as SSN were also breached. Afterwards I called the experian hotline to place a 1 year alert/freeze on my SSN in case that information was breached or other accounts could be opened. I have not received any emails or other contact from Truist since then
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49085
Submitted Via: Web
Date Sent: 2022-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I had a XXXX XXXX account and around XXXX I applied for an auto refinance loan. Then also in XXXX my phone started messing up and I had to get a new one. Then I was locked out of my email account and I haven't been able to get back into that email since. I have been locked out of most of my accounts since I just now got a new phone and new number and even a new bank account. I reported it to the FTC because I just received all these letters this past week. The address they were being sent to isn't my mailing address. My credit went from almost XXXX to XXXX. My XXXX and I are going through a XXXX but she does know my personal information by heart including my social security number which she gave to a police officer in XXXX XXXX when she was in a wreck in XXXX of last year. She told the officer she was me. I reported it to both XXXX XXXX and my insurance company that I was not driving the car when that happened. The companys and information.. XXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX. on XXXX. XXXX XXXX on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47374
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My current Mortgage was through Suntrust Mortgage who merged with BB & T and is now called Truist Mortgage. In XX/XX/XXXX, I requested a forbearance due to being laid off because of XXXX. I then began paying my mortgage again in XX/XX/XXXX and contacted Truist and requested a repayment/deferred payment package as part of the Cares Act called a Partial Claim. I was told I would receive documents in 30-45 Days. After that time and not receiving the documents I called again and was told the last rep applied for it wrong and they would do it correctly ad now I would receive documents in another 30-45 days. Again the documents did not come, fast forward to XX/XX/XXXX, I am trying to refinance my mortgage through Rocket Mortgage but they need the documentation for the Partial Claim from Truist that I STILL have not received. I have called Truist 2-3 times a week since the end of XX/XX/XXXX and I am always told a supervisor will call me back in XXXX hours but it never happens. I have been told twice that documents would be emailed to me but again that has not happened. My documents are allegedly in the QA department since XX/XX/XXXX but I can't get copies to proceed with my refinance and therefor have been kicked back from underwriting with XXXX XXXX and have lost my interest rate. I requested these documents originally in XX/XX/XXXX and they did not move to XXXX XXXX until XX/XX/XXXX ( 7 months later ). The fact that I have gotten completely different answers every time I call Truist and no one can transfer me to a Supervisor or give me a Supervisors ' phone number is ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78665
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I outright own a vehicle, I am trying to trade in at XXXX. The title indicated no Liens. The XXXX system shows a lien with Regional Acceptance in their system from a previous owner. XXXX is making me get a lien release. Ive made XXXX calls to XXXX, and they will not help me. I do not have an account with them, I have a title to my vehicle and I need them to send a release so I can trade the car in. Vin XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75224
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The finance company that I purchased my car from sent me a letter stating that the loan was paid in full and that they have released their interest in the loan. I sent the documents they sent to me to all three credit bureaus certified mail and received a response that the information on my report was correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
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: Reporting company used your report improperly
Consumer Complaint: I've reached out to SunTrust BanksXXXX Acct # XXXX and i asked them about the account that was reporting on my consumer report and that i was reaching out to them to get the account resolved i was told that they no longer had the account and sold my account without my permission and without me knowing which is against my rights. By law, a consumer must receive written notice ( known as a debt validation letter ) within five days of the collector 's initial attempt to contact you. I never received an XXXX form showing that i gave SunTrust Banks/XXXX permission to do anything with my consumer report. I told SunTrust Banks/XXXX That they were violating my rights, according to 15 US code 1681a ( 2 ) ( Exclusions ) Things that aren't supposed to be included on a consumer report. Information solely as to transaction or experiences between the consumer and the person making report. Consumer- is an individual ( ME ). Person-Any individual partnership, Corporation, Trust, estate, cooperative association XXXX government or governmental subdivision or agency, or other entity. Experiences & Transaction- Applying for a loan, credit cards, late payments, high utilization, charge off ( s ), collection accounts, Judgements, Repos, Bankruptcy. and now this company think it can continue to violate my rights and keep reporting without permissible purpose of my consumer report, according to 15 US Code 1681b Permissible purpose of consumer report it states. ( a ) In GENERAL, Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) IN Accordance with written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information 15 USC 1681a speaks on a consumer right to privacy. I express to SunTrust BanksXXXX that this has cause a lot of damage in my life for them fraudulently sold my account without me knowing and its caused XXXX XXXX and different health issue from the effects that it has on my personal life how can i take advantage of a banking system that isn't working for me and decides to take law in their own hands and have consumers fall on the sword with their life. 15 US Code 1692d- Harassment or abuse. The advertisement for sale of any debt to coerce payment of the debt. Your offenses amount to aggravated Identity Theft pursuant to US Code 1028A and 15 US Code 1681e. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with imprisonment, in addition to civil liability. For every violation i want XXXX dollars or account removed following with the accordance with 15 US Code 1681 ( n ) Civil liability of a willful noncompliance and it states a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. and this company just continues to violate me according to 15 US Code 6802 ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85142
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Monday, XX/XX/XXXX, I was notified by my clearance investigator that I had a 30-day late payment on my credit report. I knew this was wrong because my payments are on autopay but I went online to try to make a payment anyway. The website was down so I contacted XXXX and they informed me the site would be back up the following Monday. After logging in on Monday, I still could not make a payment so I called XXXX back. I finally was able to speak to someone competent as she did some investigating and realized XXXX misapplied one of my mortgage payments to the wrong loan. This caused a 30-day late payment on my credit report. She informed me it was the bank 's fault and that they would try to fix the late notice on my credit report. I am trying to get a personal loan and I can not with the credit score hindered by this misleading and inaccurate reported information from XXXX. This has caused some personal XXXX and distress not knowing when this item will be removed. Please removed it from my credit report as soon as possible as this is a hindrance to my way of life and as a consumer, this is a violation that is still on my report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-27
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: This is an update on complaint XXXX against SunTrust mortgage/Truist Bank . We have now received our telephone bill - and despite being given a list of free fone numbers, ( following our annoyance at having clocked up over {$60.00} of telephone call charged ) by Truist bank agents NOT ONE is actually free - as a result we have now been charged a further XXXX = {$170.00} approximately and still have yet to receive the balance of our account which was completely changed without our knowledge nor consent by Truist bank. Truist bank is not functioning as a customer friendly unit!! XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-26
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: received an email about me opening an account at Truist Bank, I tried calling to report the fraud, I have sent emails and no one has responded. Now I got a letter saying I requested overdraft protection. I did not open this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2022-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A