Date Received: 2022-07-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I got a card in the mail from Truist Client Center XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX saying I had opened an account ending in XXXX. I never opened an account with this bank. I called them and they wont do anything about it unless I give them my full social security number ; which I refuse to give them based on security concerns and I dont know how they got an account set up in my name & address.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17011
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is my third CFPB complaint for the same issue. I can not get through to a Truist representative by phone and Truist will not return my calls when I've left several voicemails. 2nd complaint : XXXX. 1st complaint XXXX. I have had my mortgage with Truist since XX/XX/XXXX. The first 4 months I couldnt make payments on line because the phone # they had for me was incorrect so every time I tried to reset my password it would go to their customer service XXXX number because that was what was input during the botched data base merger when they merged SunTrust and BB & T. I had to go into the local branch in down town XXXX to get it straightened out. The manager XXXX XXXX helped me fix the online issues ( I thought ) and helped make a payment of {$1100.00} and {$200.00} additional on XX/XX/XXXX. The only thing that posted to my account was the payment on principle of {$200.00} I received an email XX/XX/XXXX that my XXXX payment was past due. I want my XXXX payment to reflect that it was paid on XX/XX/XXXX. I havent been able to resolve this issue through Truists customer service. Ive called numerous times and have been told I will be called back and no one ever calls me back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: It has been drawn out into the open that you are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I have paid {$14000.00} in payments over the last two years towards a XXXX truck purchased from Regional Acceptance two years ago, and have never missed a payment. The original loan was for {$25000.00}. I requested payoff information in order to sell the vehicle two days ago, and I was told the payoff amount is over {$28000.00}. The employee was belligerent and threatening. I was told there was no penalty for early payoff or selling my vehicle. I have requested statements, which they refuse to produce. There is absolutely no way after paying over 59 % of this loan off in two years, can I possibly owe 112 % of the original loan amount. Ive now researched this company, and this appears to be their typical unethical practices. The company also told me I could take the truck, while they finalized the paperwork, and then called me later and jacked the interest rate up to over 40 %, and was told if I didnt miss any payments in a year, they would refinance for under 20 %, which is still ridiculously high. This is not legal financial practice. I request the proper amount that I have paid deducted from my loan, complete statements for all payments, and the paperwork requested to be able to sell this vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60178
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Hello, someone fraudulently opened a savings account under my name and deposited 2 checks in my account and Ive been getting punished for it ever since. Truist is refusing to release me my funds from the account until the fraudulent checks return. Mind you this issue has been on going for 3 months and I cant access none of my money that has NOTHING to do with those fraudulent checks. Ive been getting direct deposits into my Truist checking account for 7-8 months now and they are refusing to give me my money can someone help me Im unable to pay my bills this is my only bank account and Im being treated unfairly and Truist is doing little to nothing to help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2022-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : CREDIT AND INSURANCE CC : STATE REGULATORY AGENCY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77053
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had what I thought was my friend selling some items to me so I sent whom I thought was my friend the money through XXXX. She even sent me a copy of her drivers license so I could pick the items up just to find out it was never her at all. When I contacted Truist and XXXX they said there was no guarantee I would get the money back even though I had been tricked to think it was my friend I was sending the money to. Not only did they take my money but they have my friends personal information too. Claim # XXXX but said Im not protected to get my money back even though these people were impersonators.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I'm receiving emails from a bank called Truist Bank that somebody opened a account with them using my name and even made a User ID with this online banking company on XX/XX/22. I'm in no way affiliated or even opened anything with this banking company I believe somebody is using my identity again for some apparent reason.I tried to call them but they wanted the account number for the bank account and my social security number, I didn't feel comfortable giving them my SSN and of course I wouldn't know the account number because I didn't open it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had checks and my ATM stolen from my home from a care worker hired when I was recovering from an accident. I filed a fraudulent complaint with Suntrust - One month later they merged with Truist - The original complaint was lost - I refiled - A month later they denied the claim saying I filed too late- I refiled- They denied again from the same issue- I refiled again in XXXX and have not heard back from them. The person was arrested and is in jail awaiting trial. I feel I am owed my money back. They allowed her to continue to write checks after I reported and to use my ATM card - They did not closed my account and issue me a new number. This occurred in the XXXX Florida area Please let me know if you can help to facilitate this lack of respone and help on the part of Truist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34202
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Heloc at Truist was NOT paid off as required at closing. Payoff date was to be XX/XX/2022 as stated in closing documents. Truist directed funding attorney to pay by check when it should have been paid via FED WIRE. My 1st mortgage was paid off by FED WIRE on XX/XX/2022. Both loans were at Truist and the payoffs were a result of refinacing both loans thru another lender.. As of this email, the Heloc has NOT been paid off and now the account # has changed showing principal balance as of XXXX. It has been 8 days that this problem has been ongoing. The new lender is XXXX XXXX XXXX XXXX XXXX in XXXX. XXXX XXXX is contact. They are aware but wont/cant help. The title company is XXXX XXXX XXXX in XXXX, XXXX XXXX is contact. The funding attorney is XXXX XXXX. Main office is XXXX, SC but the closing check was mailed out of their Florida office. Supposedly they have mailed another check to Truist as of today. I spent 5 days last week trying to get someone to assist me with this problem but to no avail. Truist does not want to help nor do they care. And as far as they are concerned, the loan is still active and accruing interest to them. Time is of the essence. Finally, my opinion is that Truist is EXTREMELY NEGLIGENT and either CAN NOT or WILL NOT fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A