Date Received: 2022-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist cheated me out of control of escrow and hides behind options but conveys them as requirements. Amounts to financial discrimination due to florida statutory renewal timing of windstorm policy. Resolution not acceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: In XX/XX/XXXX, I suffered a XXXX resulting in several long-term hospitalizations. As a result, my income inevitably decreased and I've been struggling to make payment due to this fact. I've done the best that I can to make partial payments and work with Regional Acceptance to keep my account active. Most recently, I submitted and received a deferment of 60 days on XX/XX/XXXX ( deferment ID : XXXX ). This deferment was agreed to bring the account current. I subsequently made a payment of {$890.00} on XX/XX/XXXX, covering the month of XXXX and XXXX. The account was to be current. On XX/XX/XXXX, while I was in the hospital, I was notified via my security system that my car was repossessed. This is extremely concerning, as I've put my money into paying the two months to bring this account current to avoid this from happening. I need my vehicle in order to drive to my follow-up medical appointments and post-op procedures. This repossession should not have taken place, and this is the worst experience that I've ever had with an auto lender. I do not have the means to pay repossession and storage fees, and shouldn't have to, since I was told the account was current after my deferment and double payment. I am set to return to work in XXXX, and would then be able to make payments as agreed, but I won't be able to return to work without a vehicle. Regional Acceptance has not offered to work with me in resolving this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14580
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Regional Acceptance Corporation ( RAC ) has reported incorrect balances to the credit bureaus. They aren't reporting my actual balance at the time that they report to the credit bureaus. They are submitting projected balances based on 20-day payoff amounts instead of the current balance on my account. Please note : None of the balances reported to the credit bureaus are on the account statements which also has a 20-day payoff amount. I don't know where there are getting their numbers from that they are reporting. Twice my credit score has decreased due to incorrect balance reporting. The first time their erroneous balance reporting decreased my credit score, I reported the balance discrepancies to RAC in a letter dated XX/XX/XXXX. On my XXXX and XXXX Report, RAC reported a balance of {$16000.00} for XXXX of XXXX and {$16000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. In XX/XX/XXXX RAC reported a balance of {$17000.00} and {$17000.00} for XX/XX/XXXX causing my credit score to decrease due to an increase in balance. I disputed the balance issues with the credit bureaus. I have never missed a payment so my balance should always decrease and not increase. None of the balances on my credit report were my actual balances at the time that they reported it. I haven't notified RAC about the recent discrepancies and have a letter that I plan to send dated XX/XX/XXXX. On XX/XX/XXXX, I called the North Carolina Department of Justice Consumer Protection Department ( NCDOJCP ) and asked is a lender supposed to report to the credit bureaus my actual account balance or the 10- and 20-day payoff balance? The NCDOJCP informed me that the actual account balance at the time of the reporting is supposed to be reported. The actual account balances aren't being reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, I was on a call with Truist, the lady gave me 3 options for repayment on missed payments. We chose the deferral. On that call she never once said we had to be XXXX payments past due to be eligible for the deferral. So we were completely u aware, that During that time our mortgage was in jeopardy. We are XXXX payments past due which I have filled out multiple packets which truest continually says that they are not receiving information. Denied XXXX packets. Called the wrong number, sent it to the wrong address. I was approved for HAF funding in the amount of XXXX the funding has been sent out on XXXX XXXX. Truist returned my XXXX payment. Today XX/XX/XXXX Truist has called again. Saying they havent received the HAF funding, and there is no record!!! I am so sick of them, they have continued to screw up my loan, never once have they said the right information on any calls. My home mortgage counselor too has revived false information I am asking you to please investigate them before something happens to my home apparently all these phone calls are monitored but they cant review any of those phone calls to fix their mistakes
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 831XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX XXXX, I tried several times to transfer money from my XXXX payroll card to a joint checking account in my name, and it repeatedly came up with an error message in the app and on the website. I tried contacting truist using the online chat function,, they were unable to help and was sent to a different phone line, they sent me to a differrent support line, and all three were unable to fix the issue.
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: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is my third attempt at resolving an overpayment of city taxes resulting in an overdraft of my escrow account. Truist assured me that they had requested a refund from the city of XXXX on XX/XX/2022. They sent me a letter stating this was confirmed on XX/XX/2022. I called the city of XXXX as the 60-day processing deadline is rapidly approaching, I have not received my refund for the overpayment of taxes last year, in fact, I have been charged again for the year XXXX. They told me today they have no record of a refund request, not only do they have no record of a witten request, there was no case number even associated with my address. They processing time has not even started and I had to apply for the refund today ( Service Request # XXXX ) meaning 60 business days from today I could possibly get my refund. I called Truist today at the request of XXXX city to ask for a copy of the original request/confirm it was sent. They were unable to provide proof a request was sent other than their internal records stating one was sent. 6 months of an overdrawn account is absolutely unacceptable. I have never experianced such mismanagment of anything in my life. Truist should be embarrased. I again request the closure of my escrow account as it is being mismanaged. Truist had previously stated that " Unfortunately, we are unable to remove your escrow due to your loan-to-value is greater than 80 %. '' Truist has a duty to manage my funds correctly, if they prove themselves incapable of doing so, I should not be bound by a loan-to-value. They are neglecting their duty and putting our Mortgage and taxes at risk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On or about XX/XX/2022, I received XXXX notices dated XX/XX/2022, from Truist Bank stating either my account was declined or approved for overdraft protection. Each of the notices included a different account number none of which were authorized by me, or anyone authorized to open an account on my behalf. On XX/XX/XXXX at around XXXX XXXX, I contacted Truist Bank and the representatives I spoke with were unconcerned with the error. I first spoke with XXXX, who later in the conversation changed his name to XXXX, from a call center in the XXXX. I later was transferred to XXXX XXXX XXXX XXXX XXXX who also was unconcerned with the error. I was then transferred to XXXX who transferred me to the Fraud Department, and I spoke with XXXX. XXXX was the least interested in the fraud and refused to assist me unless I provided my full SSN. I informed him that I did not initiate a business arraignment with Truist Bank and have no knowledge of the company, therefore I would not provide my SSN. Truist Bank appears to operate in a deceptive manner and is unwilling to address concerns with potential fraud in the banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62234
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2021 I received multiple emails welcoming me aboard to a new Suntrust banking account and and order of checks but I was not able to access the account. On XX/XX/XXXX I received an additional email confirming that the account had been enrolled in overdraft protection. I called the bank and reported the account as fraudulent and had the account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I tried to take out a loan from this company called LightStream. Now at the time I didnt know they were a scammer loan company. I gave them my bank info and they went in to my account making False claims on my account and steeling money that wasnt really their. My bank froze my account and told me I been hit by a fraud company that this was not the first time. This all happened the week of XX/XX/XXXX till the middle of this week trying to get things fixed. My credit score is now messed up because the clams they mad were to my financial company for my car. My financial company is also saying I own them money now and the bank has closed my account because this company bent me over in there lie. They are a fraudulent company and need to be stopped before they hurt other people. Im trying still to fix everything they messed up. Its absolutely insane that they can do this and have a whole fake website as well screaming people out of their money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Investigate the Truist Bank for XXXX Credit Card fraud and Information Theft compromised on XXXX XX/XX/XXXX Truist Bank XXXX XXXX My Personal Name and Information are HACKED by cybercrimes established on an illegal Website because the Claimant has NEVER opened current XXXX XXXX Accounts in this Truist Bank Multiple Illegal XXXX Credit Card Accounts Only Allow the Bank will resolve the issue after A Criminal Investigation is completed and da report is required to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Investigate with Impunity XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A