Date Received: 2022-07-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I could write a book about the nightmare that has been this mortgage process, but I will try to keep it short and stick to that main issues. We started this process on, or about XX/XX/2022, with a target closing date of XX/XX/2022. From the start, there was a serious lack of communication from and with the lender. She/they would just ignore our texts, emails, phone calls, and questions. I found out that I needed to be out of my residence at the time by XX/XX/XXXX, so my agent attempted to move the closing to XX/XX/XXXX and, despite the urgency of that request, once again, we were simply ignored. The became their way of doing thingsunless they initiated the conversation, we were just ignored. There were numerous times that we thought we were about ready to close, then the lack of any communication would happen again, as well as the well, we need this one more thing. I was told SEVERAL times that this is the last thing that we need and we will be ready, only to get the call, or text the next day, saying, well, the underwriter/processor want this one more thing. That has gone on for weeks, now, and again, they always wait until the XXXX hour at the end of the week, when it is too late to do anything about their requests. SO, finally on Monday, XX/XX/2022, I was told we were ready to close and received the Revised Closing Disclosures. I had asked, repeatedly, what the cash to close was going to be, as it had changed several times during this process. The disclosures I received showed that amount to be {$5100.00} and change. Well, 3 days later, when we went to the closing table on Thursday, XX/XX/2022, the cash to close had increased to almost $ XXXXwithout ANY notice from the lender! We were ALL floored, except the lender, who wasnt even there. Needless to say, we didnt close and all left just blown away by the turn of events. AND, to top it all off, I logged onto my Truist account on Sunday, for other reasons, to find that I have a mortgage with Truist!!! A mortgage that I never signed for, or have property for!!! How does that happen?! So, can you see why I am extremely frustrated and done with the whole process, 2 months later???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75048
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Pulled credit placed credit inquiries on credit reports I didnt apply for credit with this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SunTrust Bank date of vehicle loan origination XX/XX/XXXX in the amount of XXXX. Loan paid off by XXXX XXXX XXXX in the amount of {$41000.00} on XXXXOverpayment letter from SunTrust Bank in the amount of {$19.00} check # XXXX on XX/XX/XXXX. SunTrust provided me a printout of my account in the transaction section showing account was paid off on XX/XX/XXXX, XXXX XX/XX/XXXX, Truist Bank mailed me a letter to notify me that they provided the appropriate party with a release of interest document as required by the State as a result of the contract being paid in full. In reviewing my XXXX credit report, SunTrust is showing a open balance amount of {$41000.00}. Since SunTrust merged with Truist Bank and the last document I received was from Truist I went to discuss this matter of concern on XX/XX/XXXX, with XXXX XXXX, Relationship Banker at Truist at XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. XXXX XXXX contacted the loan dept for paid-out loans and was informed that Truist reports quarterly to the credit bureau XXXX They were not able to give a definite date as to when the credit bureau would be contacted, and the loan amount would be removed as paid in full and closed. On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX Banker at XXXX XXXX XXXX XXXX XXXX XXXX, NC. He stated that he would file an in-house complaint. As of XX/XX/XXXX, the open balance of {$41000.00} remains to show on my XXXX account with no resolution from Truist Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX XXXX accounts XXXX, and account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11757
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This serves as a formal complaint against Truist bank for deceptive business practices and a chronic sustained pattern of impeding, preventing, delaying and refusing to provide cash withdrawals for legitimate business purposes to a minority owned business. While traveling on XX/XX/2022, at approximately XXXX AM, I visited the Truist Bank Branch located XXXX XXXX XXXX XXXX, XXXX, MD XXXX to complete some business banking. I was greeted by XXXX? who was the teller at the window. I made a deposit of business checks into my business checking account in the amount of {$29000.00}. I then requested to make a cash withdrawal of {$18000.00} to purchase product from a business associate whose shop is located up the street from the branch. The balance of my account at the time of the request was {$110000.00} prior to the deposit so I had ample cash on hand to cover the check. The teller stated she could not fulfill my request as it was the branch policy that they do not give out more than {$3000.00} cash withdrawals on the weekends. She stated that I would have to provide the branch a five-day notice to access more than {$3000.00}. I stated that I needed the money for unexpected business purposes in the area, and that they would have to try to find a solution. She stated she did not have that amount of money on hand, it was in the vault, the branch manager was not on site, and she had no way to access the cash to fulfill my request. During this time, I witnessed another teller place five large stacks of cash likely totaling much more than my request into a backpack and hand it to a customer who was waiting in the lobby. She then asked me to speak with XXXX who repeated all the same talking points as the prior teller. He repeatedly demanded to know what the money was for which I again stated the money to buy product from a colleague whose shop was up the street from the branch. I told him the name of the business who banks at the same branch. He then stated in a threatening manner that he would be reporting me and the transaction to the IRS. I replied that I knew that the transaction would be reported accordingly as it was over {$10000.00}. He stated that I was very suspicious and hinted that I might be trying to rob the bank and continued to impede my business transaction. He seemed to enjoy giving me a hard time about the withdrawal and acted more like the gestapo or an interrogator than a bank teller. He stated that the transaction would need approval prior to the withdrawal. I then asked him if he would be able to get the cash with an approval and he replied yes. Quite frankly I was totally astonished, as this basically confirmed that all the reasons for both tellers denied me the withdrawal were complete and outright lies. There was no {$3000.00} limit, they did not need the branch manager and they did in fact have access to the cash. XXXX then called XXXX XXXX and asked me for a list of deposits and withdrawals which I provided with ease. He confirmed all the deposits and withdraws. I offered numerous other forms of identification which he flat out refused including my other checking accounts and bank cards that I had with Truist. He then proceeded to lie to XXXX right in front of me by stating that I was refusing to tell him what the funds were for after I told him numerous times. He asked where I opened the account which I told him, he then asked about my license and denied the withdrawal stating that the issue date on my license was wrong. I was totally shocked as I have been engaging in this kind of business with BBT, SunTrust and Truist for several years withdrawing much larger amounts and nobody had ever used this reason to deny me a withdrawal. This adverse action has now directly cost me {$13000.00} in profit on the product that I was supposed to buy from another Truist client. This is not the first time that this Truist has made extraordinary efforts to impede and delay withdrawing funds out of my account for legitimate business purposes. Truist Bank has clearly engaged in deceptive business practices by blatantly lying to me about all the reasons to impede and deny me legitimate business withdrawals. Something must be done this banks practices as it has now cost me {$13000.00} in profit by denying my lawful request. Respectfully, 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: 28079
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Years ago, my girlfriend and me opened up a checking account with SunTrust. With the merger with BB & T, they are now Truist. My SunTrust debit card was good until the end of XX/XX/2023 and my girlfriend 's card had an expiry date further away than that. In XXXX, Truist sent us Truist debit cards with instructions on how to activate them. There was nothing mentioned about our SunTrust cards being cancelled or that there was any sort of timeframe to activate these cards by. We decided we would continue using our SunTrust cards that were still valid because they offered XXXX as a payment service, which can sometimes be helpful when merchants are having issues with XXXX. A couple of weeks ago, I tried to use my SunTrust card to pay for a couple of games online. It told me, the card was declined. When I called Truist, the customer service representative told me the card had been automatically cancelled back in XXXX. We received zero notice that our SunTrust cards were going to be cancelled and the customer service representative told me, it was automatically done and there was nothing she could do. I asked for a supervisor. She told me one would return my call the next day, which never happened. I tried calling back on 3 different occasions, to wait more than 2 hours on hold to get hung up on as soon as the call was answered. As a XXXX XXXX person, the raised numbers and letters on my SunTrust card was much more useful to me. What really irks me off though is, that there was no notice at all in regards to our old cards being cancelled and customer care just kept repeating, there was nothing they could do until I asked for a supervisor, which I never got a call back from and have not been able to reach anyone at Truist customer care since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: My car was claim as total lost and they hit me with late payments even after insurance company paid them. They said I have to call the Credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07106
Submitted Via: Web
Date Sent: 2022-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Truist placed a levy on my account because of a child support levy. This child support case is my son 's, whom I added to my account for convenience. My son disputed the levy with the child support office, and Truist confirmed that the child support office issued a release for the money to be released. After the money was released, I closed the account and transferred my money into my new account. My son is not in my new account. However, I went to the bank today, XX/XX/XXXX, and was told that the levy department went into my account and withdrew {$810.00} for child support levy. Bear in mind that this is my account and my son isn't on it. Therefore, this is an unauthorized transaction. Truist has illegally debited my account for no apparent reason. And no one can tell me why the money was taken from my account. Please stop Truist from making fraudulent transactions on customers ' accounts. Truist is getting away with all these illegal activities. The complaint ID for the aforementioned case is XXXX. The person who handled this complaint also stated an order was received from the child support office, to release the levy hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2022-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Truist banking emailed me about a new online banking ID being created at XXXX XXXX XXXX on XX/XX/22. I contacted the company, and they said they reported it. XXXX XXXX XXXX contacted me at XXXXXXXX XXXX XXXX on XX/XX/22 alerting me that someone attempted to open a personal checking account. I have a credit card with them, but not banking. I told them this was fraudulent, and they told that the person doing it used my SSN and date of birth and that I was a victim of identity theft. I called XXXX at XXXX XXXX XXXX on XX/XX/22 and placed a fraud alert. They said they would notify the other two credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account with Truist in XX/XX/2021 bc I have an auto loan there, as well. I then deposited {$5000.00} ( {$2500.00} in checking {$2500.00} in savings - I have attached a screenshot from my confirmation email. Shortly thereafter, Truist apparently closed my accounts without notifying me at all and then my balances went from {$2500.00} in each account to {$250.00}, so {$4500.00} literally disappeared from my accounts and Truist has REFUSED to allow me to withdraw my funds for almost 8 months now. I escalated this 5 times since XXXX and Truist has given me absolutely zero help and XXXX XXXX at the XXXX branch wont even take my calls to tell give me an update on why they are still holding my money after 8 months. This should be against the law when they are holding MY money that I cant even withdraw, yet they are still trying to charge my account for the monthly maintenance fee. This is absolutely inexcusable and something needs to happen to Truist so they no longer are able to do this to account holders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76226
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A