Date Received: 2022-07-06
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: In XXXX I paid off my vehicle with XXXX XXXX ( Texas, licensed in Georgia ). I had autodraft on my payment for several years. I attempted to speak with customer service Truist Bank. Because of my last name, I assume, the cs representative my call was routed to spoke XXXX as their first language. I can speak XXXX but English is my first language, and the language in which I prefer to discuss business, I am not XXXX. The representative kept repeating it would be {$36.00} to cancel a CHECK, I kept explaining it was not a check, it was an auto draft I set up and should be able to stop. I ask to speak to a supervisor, four times she put me on hold. The fourth time I was on hold 45 minutes. I hung up, called XXXX, they assured me there would be no auto draft that I had paid off the vehicle and I had been sent an email in that regard. XX/XX/2022 XXXX took a payment of {$280.00} from my account. I called, they said it would be 21 to 30 days before they could return my funds. I said that was not acceptable. Georgia needs to be aware of th XXXX 's predatory practice! I then filed a formal complaint with Truist, I contacted the manager of the XXXX, Georgia Branch, XXXX XXXX. On XX/XX/XXXX received a form letter advising me that I had authorized the auto draft originally. On or about XX/XX/XXXX XXXX returned the funds to my account. Around the same time they pulled the money back, they sent me via mail a check for the same amount. I deposited the check. I had to make and emergency trip to XXXX to pick up my XXXX Aunt because her son could not come home to check on her, he had been XXXX to the XXXX XXXX. I had insufficient funds because Truist allowed them to pull funds, put it back, pull again and stop payment on the check I deposited. I am Truist customer XXXX should not been allowed to autodraft my account to begin with, then for them to allow them to pull it back and then put it back created complete chaos. I want Truist to refund me all of the insufficient fund debits for that time period. I had informed them, and filed a complaint with them. I was told my XXXX XXXX, sorry, once they have your account number we can't stop them from taking money from you. He said the only way was for me to close my account, and open a new account, it WILL NOT be with Truist! Since BB & T 's, where I had my original account, with Suntrust there has been nothing but incompetence on the part of Truist. As a side note about two weeks ago I received another check from XXXX because I overpaid. That check I went to XXXX XXXX XXXX and cashed because I was scared to deposit it in my OWN account! All the while Truist was allowing chaos in my account, and charging me for their incompetence. I think they need to refund me every IF charge because the it was like a domino affect. I am a in the process of opening a different account with a different bank but because I am a State of Georgia retiree, and I receive Social Security Retirement, that is a difficult, time consuming process that could have been avoided with a bit of logic 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: GA
Zip: 30534
Submitted Via: Web
Date Sent: 2022-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-06
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Unauthorized purchases were made against an XXXX XXXX XXXX XXXX XXXX Charge Card.The Case Number for all of the Fraudulent transactions is : XXXX. XXXX. XXXX XXXX XXXX # XXXX - {$240.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX XXXX XXXX MD - {$250.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$210.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX XXXX - {$100.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$32.00} - Purchase Date - XX/XX/2022 XXXX. XXXX XXXX # XXXX - {$60.00} - Purchase Date - XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank : Truist Account : XXXX XXXX account Opened the account on XX/XX/2022 with a promotion code XXXX, direct deposited and finished all the requirements for the {$500.00} bonus. Last call on XX/XX/2022 for the missing bonus and was told by the representative that they can't give me the bonus because my account was locked and closed by them back in XXXX. They also refused to give back the money I have in the account unless I visit a branch ( the closest one is 2 hours ' drive from me ) even though they already closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Our company had a check altered and deposited into an XXXXXXXX XXXX from our Truist bank account. The check was for {$19000.00} dated XXXX XXXX Our checks have holograms, watermarks and are heat sensitive. We have been a bank customer of Sun Trust for over 30 years. We did not realize that the check was fraudulently deposited for over a month. We notified the bank on XX/XX/2022. We were never told by Sun trust Bank that we had 30 days to report a fraudulent check. In XXXX of this year Sun Trust became Truist Bank. Now after this fraud we are told that we had 30 days. They told us when we opened the account we were told. We opened the account with Sun Trust over 30 years ago. They do not know what Sun Trust told us when we opened the account. XXXX XXXXk accepted and deposited the check without doing their do diligence. It seems that it is too simple to forge a check and get it deposited and cleared. This is clearly a case of fraud. If the check was digitally deposited it would seem that it is a risk that the banks are taking is for their own expediency, not for the protection of the customer. Truist Bank has denied our claim because we did not notify them with in 30 days from when it was posted to our account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33431
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2022, I received a letter in the mail addressed to me, saying that on XX/XX/2022, I had requested to decline the Overdraft Coverage for my account ending in XXXX for ATM and everyday debit card transactions. In this letter, it states to call the TRUIST bank at XXXX if I did not initiate this request. This letter was from the TRUIST Bank, XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. I proceeded to call them after the holiday on XX/XX/2022. I called their Account Security Department at XXXX and spoke with a female. The call was being recorded. She continued asking me for my social security number, and I said I will not be giving that to you. Then, she said the ONLY way to resolve this issue is to stop at a branch and speak to someone in person. I said, " I live in Illinois, and you do not have a branch here or anywhere close to me. '' She then proceeded to tell me that this is the ONLY way their company has set up for things like this. I had no choice but to end the phone call because I was getting nowhere with this lady on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61401
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: THIS IS THE SECOND TRIAL AT THIS COMPLAINT. I RECEIVED A LETTER FROM YOU SAYING YOU DID NOT TRUST I AM WHO I SAY I AM. I SPOKE TO ONE OF YOUR REPS ON THE PHONE AND HE SAID HE WOULD SEND OUT A NOTIFICATION THAT I AM ACTUALLY WHO I CLAIMED IN THE FIRST COMPLAINT. MY DRIVERS LICENSE IS ATTACHED AS PROOF OF IDENTITY. My wife and I banked with Sun Trust when it existed. We had numerous payees we had entered into their online banking system. One of those payees was XXXX XXXX XXXX XXXX XXXX. The payment was scheduled by us to be paid automatically. There were other creditors scheduled the same way. Truist took over Sun Trust. Truist promised in written updates that payees and automatic payments would be transferred over to the now Truist account. In addition, we made several calls to them over a period of time to see when we would see the payees list in our account. Unfortunately, we did not document the dates ofthe calls and we didn't save the written notices. Effective this XX/XX/XXXX, our home loan increased because of higher taxes and insurance coverage. We went to out Truist online account to change the amount of the auto pay. None of our payees from the Sun Trust payee list were there. On XX/XX/2022 we called the Truist number. None of the representatives we spoke to could tell us how to change our payment. They said that we should just re-enter all of our payees since our payees would probably not be transferred over. We spoke to XXXX, XXXX, XXXX and XXXX. We were told they could not see any scheduled payments, and we should contact XXXXXXXX XXXX as they were auto debiting our account. After two calls to XXXX, they swore that they never have debited our account -- that we had set up the payments through Sun Trust. Calling back Truist, they said we could just set up a new auto pay. I said, " What about the old auto pay? Will that be cancelled? '' The response was they didn't know. So, I suggested that we cancel all future payments and we'd make the payments through another bank. Supposedly, the rep then put a stop to the ACH payment. ( A letter dated XX/XX/2022, affirmed the stop, but did not list the proper payment amount. So will the stop actually work? ) Finally, the rep said, " There will be an {$35.00} charge for a stop payment. '' I said, " I do not agree to the charge and will not pay it since it's Truist 's failure to list payees that caused this problem in the first place. '' On XX/XX/2022, I went by the local Truist branch. After explaining the situation, the representative credited the charge back to our account. She told me she had no access to online banking and could not help on the missing payees. We have seen on line where others are facing this same situation with Truist charging everyone {$35.00} because Truist lied about payees being transferred over. Most were having to live with their loss. Unlike me, they didn't have the time to make a formal complaint. Now we're in the position of taking the chance that re-entering the payees will result in multiple payments to the same payee. This is since the Truist reps could not find where our payments were being paid from ( though they did appear on our account statements ). We still do not know how to stop other auto pays from the Truist account. Certainly our creditors have no way of doing it. And thanks to Truist, we have no way except to pay {$35.00} for each ACH stop payment and make yet another trip to the local branch to have it all credited back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Problem with customer service
Subissue:
Consumer Complaint: I XXXX XXXX XXXX XXXX ) Universal agent, on the Behalf, of the Private Trust XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX XXXX POA at fact of Trust of ; the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Trust.. Account of XXXXusing enforce compliance in the process because I XXXX XXXX XXXX deposit the amount of {$80.00} XXXX XXXX Dollars / XXXX notes on the date of XXXX XXXX have I state of Good faith of Credit Lawfully too XXXX of the company because the XXXX XXXX wasn't in.. at location XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX location and affidavit to the XXXX XXXX XXXX XXXX XXXX. Statement of good faith of Credit by XXXX XXXX XXXX Laws as called AntiTrust Rights .. please contact them I as parts of The Federal Reserve authorized to use navigation of authority by treaties ARTICLE 6 of The Constitution,,, enforcing... Article 39 of the declaration of indigenous right..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XXXX, I tried to do a transaction with the Trust Bank. They delayed the transactions and I believe they delayed the transactions so they can make money from Late fees. Only account. I can't a transaction that should have taken one day end up taking. 10 days. They were waiting for me to overdraw the account on a transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: An account was created with my name and email through Truist Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 166XX
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sold my house that is associated with this Truist HELOC and closed back on XX/XX/XXXX. The closing attorney sent the payoff amount for my HELOC via overnight parcel service to Truist and it was received by them on XX/XX/XXXX. This has been confirmed by several Truist customer service representatives that I have called over the past 7+ weeks. However, although Truist is in possession of the payoff amount, they have refused to actually apply the received funds to my account and close out the HELOC. I have been subjected to high ongoing interest charges since then and my credit score has suffered because this account appears to be open when it should not be. The Truist account reps claim that the interest I've incurred since XX/XX/XXXX will be removed from my account, but how can I trust was they say at this point? I've made one payment since this has happened to avoid appearing delinquent, so how will they make that right? Even if they can fix the interest payments and give me a refund, how will they fix my credit score? I think they are liable for that at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36830
Submitted Via: Web
Date Sent: 2022-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A