Date Received: 2022-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist Bank froze my account won't give me my funds, and has given me no solution on how to get my funds! I don't care if they close my account however THEY NEED to give me my funds asap!
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: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Ive been having a recurring issue with Truist charging maintenance fees on my legacy Suntrust savings account. The account in question has had recurring transfers of {$30.00} from checking into savings each month since opening the account which is one of the conditions for avoiding the {$7.00} maintenance fee. After the changeover to Truist, their system has charged this fee although nothing has changed with the account. I contacted Truist through XXXX in XX/XX/XXXX about this issue and was credited the fees and told the issue would be resolved. On XX/XX/XXXX, I was once again charged a {$7.00} maintenance fee. Ive reached out to Truist through XXXX once again via a XXXX and direct message about the issue and have yet to receive a response. Ive also contacted Truist twice through their chat support and have been unable to get the issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 62025
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage loan is with Truist. Everytime I attempt to make a payment there is always an issue with the payment process. The website never works ( at least for the past 7 months ) for payments from another bank. When I try to add a non truist account I get errors. When I try to use the app to make a payment the link to add a non truist account doesn't work. It's almost as if they're trying to force their mortgage customers that don't have a checking or savings account with to open an account with Truist. The reason I say that is because the link to open new accounts works just fine. I resorted to paying over the phone through they're automated system and now that doesn't even work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32547
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A checking account was opened with Truist, and direct deposit was set up. After the first direct deposit was deposited, the account and access to funds were locked. The reason given was the fraud department did not like the IP address compared to the home address. Truist then demanded an in person verification of the account owner, despite being hours away from a local branch. Truist kept any phone calls on hold for hours, and would refer me to branch managers who would then never respond or follow-up again. I reached out via email and phone to multiple branches and customer support lines without a resolution to the issue. Overall the problem was locked funds based on an issue that was detected before the funds were even first deposited, and required unreasonable action from the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46902
Submitted Via: Web
Date Sent: 2022-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I've had my mortgage with SunTrust Mortgage bank and they merged with Truist this year. I received a letter from my insurance carrier that my insurance due in XXXX wasn't paid. I tried to call the phone LISTED on my statement and patiently went through all of the prompts to get to the insurance/escrow portion of the " press 1 navigation '' and it said I was being transferred and the another recording come on that said this number is no longer is service and gave me another number and the message said the number so incredibly fast there is no way I could write down the10 digit number, the number wasn't repeated and my call was ended. I heard the first 3 digits of the phone number that the speed reader said and the prefix ISN'T on my statement., the number I called is. Of course TRUIST is closed on the weekend which I think is horrendously bad service because I can't get to a phone where I can spend 20 minutes navigating something that's clearly Truist 's fault. I've had the same insurance company and lived in the same house for 22 years, I've never missed an insurance payment. When you merge with another lender you should be better than this and make sure the numbers on the statements are correct. I live on the XXXX XXXX - their customer service hours don't work half of the United States- we are all on the XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: Truist Bank accepted a wire transfer of {$52000.00} on XX/XX/2022. The money transfer was initiated through XXXX bank. Truist Bank wire reference number is XXXX. XXXX bank ask for a recall of the fund on two different times and received no response from Truist Bank. XXXX XXXX spoke with XXXX XXXX XX/XX/2022 the manager at Tuist Bank and she said, any issues must be directed through the wire transfer department bank to bank. XXXX bank suggested I seek Legal Counsel.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2022-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I already confirmed with the company that this account was closed and it shows as closed on my other credit reports. Just still showing on XXXX and when disputed was given the info that it will remain since the company verified it. I have a letter for proof of payoff even.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In response to CFPB complaint # XXXX My name is XXXX XXXX XXXX XXXX federally protected consumer, and I am making this complaint against Regional Acceptance Corporation for violating a cease and desist notice they received via mail XX/XX/XXXX. I am would also like to make a complaint against Truist. Regional Acceptance Corporation and now Truist for continuing to invade my privacy by committing abusive, deceptive and unfair debt collection practices.I have never given Truist any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debt until Truist or Regional Acceptance Corporation can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. As stated in your previous response this contract was assigned to you as the lienholder and service provider. Debt is brought not assigned so provide me with the documentation of this sale. If you were assigned to this contract who assigned it to you? Provide that name and the company that assigned it You also stated that this account was included in a Bankruptcy which was dismissed on XX/XX/XXXX. You then stated that the vehicle was surrendered and taken to action. Please provide me with the dates that this contract was assigned to you and the date that it was taken to an action and if it was sold at the auction provide proof of sale amount. You stated that you posted checks totaling {$8800.00} in XXXXProvide the exact date and proof of such checks. Alos elaborate on who this checks went to and how does that have to do with me. If you are saying that you paid {$8800.00} for this vehicle at the auction how was it assigned to you? You stated that you were unable to open XXXX attachment the cease and desist and debt validation. However you also stated " The cease and desist was added to your account on XX/XX/XXXX. You are stating that Regional is reporting accurately do you have my written instructions to report on my consumer file because I never gave my written consent or authorize Regional Acceptance Correspondence to report anything on my consumer file so how are you reporting accurately. You are actually reporting fraudulently. You stated that the account is charged off and the current/ past due balance is {$15000.00}. Not sure if you know the definition of charged off but I will provide it for you. A charge-off means a lender or creditor has written the account off as a loss, and the account is closed to future charges. Regional stated that you dont consider this account fraudulent. Regional a consumer determine what is fraud. Fraud is no consent, not only have I never gave you consent to furnish anything on my consumer file. I never authorize for you to have any of my non-public information. Furthermore you furnishing this to my credit report is harassing, oppressive, or abusive conduct. You are involved in unlawfully extortion, you are providing my information to the credit reporting agencies without my lawful consent. Regional Acceptance and Truist can be held criminally liable for aggravated identity theft pursuant 18 USC 1028A extortion, theft by deception, securities fraud and mail fraud.Stop reporting or send me the information I am requesting. I am not requesting a contract that was made with XXXX XXXX. I am requesting a contract that I made with you. I am also requesting that you provide me with proof of that sale at from the auction and who you posted checks totaling $ XXXX am requesting information from the year XXXX. You stated that are were assigned this debt is but it's a whole year unaccounted for.I will be providing the FTC to the credit reporting agencies because this account is fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a first mortgage from Truist Bank on an owner-occupied residence. I was required to open a Truist checking and savings account to receive a preferred rate on the mortgage, even though I did not bank with Truist at the time of origination. After making the first payment, I set up an automatic payment authorization. When the first payment in XX/XX/2022 following setting up the authorization was due I received a notice that there was not sufficient funds in the checking account. I transferred funds to the account from a savings account and the balance was shown as being paid. I received a notice my automatic payment authorization was withdrawn for the XXXX payment. I went online to pay the mortgage and found my online payment options had been XXXX. I called a customer service representative who would not take an authorization to transfer funds over the phone ( even though they could access my account information and confirmed my identification ). I spoke to the loan origination closer I worked with and was informed the XXXX payment was not made. I had to go to a branch and was informed the XXXX payment was made, similar to what I had seen on the system but contradicting the information from the loan closing professional. I have found that the mortgage was reported as delinquent to credit bureaus resulting in a significant decline in my credit score, even though Truist reported it as current. I find it odd that there is confusion around the payment status, that the bank actively limited my ability to pay the loan conveniently. I feel my credit score has been damaged unnecessarily by this incident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I went to XXXX XXXX, va branch of truist with the expectations of performing a wire transfer from my personal account to my business accounts. All accounts are with Truist. When I sat with the branch leader it was XXXX. During which time the branch leader, XXXX XXXX, suggested I do a regular transfer since all of the accounts are within truist. I took her suggestion against my better judgment and now they, the bank, have blocked my business account that got the bulk of my money. I asked to transfer XXXX, XXXX to one business account and XXXX to another truist account. The XXXX was sent and nothing is on hold as of XX/XX/XXXX. There seem to be some ignorance of the process and it took over an hour to get this done. They, XXXX, and another bank teller, finally got it done and told me it would be an issue if I requested an immediate availability instead of if I just waited which would be overnight. I never used any of the accounts u til I needed ro make a {$900.00} payment and my card was denied. Since I was back in ga I went to XXXX ga branch on XXXX XXXX XXXX and the initial teller told me my account was blocked. I then today, XX/XX/XXXX, saw that it was deposited as a check and not a cash transfer. My XXXX is tied up in limbo because of the branch manager, XXXX, and the " department '' who has the power to release Is holding my money hostage. None of them care. I couldn't make payroll and they had the nerve to charge me {$25.00} for a wire that was never a wire. Two days ago and I wasn't even in their establishment. I want my money back and this account closed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A