Date Received: 2022-07-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX my firm wrote out a check to a vendor for approximately {$36000.00}. On XX/XX/XXXX it was deposited into an account Truist Bank to an individual who was clearly not the payee. In XX/XX/XXXX the vendor notified us that their invoice was still open which prompted us to look up the image on our bank website and see that the check was not deposited by the vendor. We immediately alerted our bank and filled out the necessary paperwork and provided a police report. Our bank sent the paperwork to Truist Bank who has to this day has not responded to our bank. I called Truist 's fraud department and they told me that if we haven't heard back until now then we will never hear back from them. We need to recoup our lost funds asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
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: Closing an account
Subissue: Can't close your account
Consumer Complaint: Joint checking account held by wife and self with XXXX which became SunTrust for over 32 years. In XX/XX/2021 Truist bank emailed us to say they would be taking over SunTrust, not to worry, we need do nothing, as they would take care of everything. We heard nothing more by mail or email. We discovered our debit cards had been cancelled when they were declined whilst we were on. US based cruise ship! Not only that, when we contacted Truist online, our account had been changed from a few free account to one that required monthly payment if balance dipped below a certain level - Worse than that is the fact that they have removed my wifes name from the account. We were told she had to register to be included on account! But the firm online discriminated against overseas clients, as it will not proceed without a zip code, which we do not have. We have called repeatedly, racking up telephone bills of over {$60.00} - to no avail. We have emailed, and literally spent hours on online chats, again to no avail. We do not have any trust in Truist, and now simply want to close the account and transfer our funds to a XXXX Bank, which is where we reside. We have hit a brick wall!! We wanted an immediate bank to bank transfer- told not possible, call into your local branch!!!! In the XXXX??? Asked for wire transfer, now on third impotent call and on online chat getting nowhere!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
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: 2022-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Can someone please let me know whats going on with My application. I have not heard back from anybody in a while, I heard from a lady named XXXX she says much shes my caseworker and would call me within seven days I would hear something but its been over a month. I applied on XX/XX/11 received my confirmation number. I called my mortgage company Suntrust Truest bank they have no clue about this program.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To Whom it May Concern, I am trying to close out a savings account with BB & T Bank ( Now Truist Bank ) I submitted my request by mail about 3 weeks ago. I received a letter back from Truist bank advising me to call Customer Service to update my new mailing address. After calling CS I was advised that I needed to go to a branch to update my address. I went to the Truist Bank in XXXX GA, and was told me that I needed to make an appointment after waiting almost 90 minutes. I made an appointment at the XXXX GA branch since XXXX had nothing available for almost 4 days. I went to my appointment at the XXXX location on XX/XX/XXXX and to my dismay they only had 2 tellers, and 1 person assisting customers with appointments. My appointment was scheduled for XXXX and there were people still waiting for their appointment prior to me. I was on my lunch break an was unable to wait after waiting an hour. its absolutely absurd that I am unable to get help with this issue and keep getting shuffled around by everyone that is supposed to be helping me. Old Address : XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX New Address : XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Sent a letter disputing the inaccurate data for this account and no response. This for account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Previously I had a BBT credit card in my name that was opened in the XXXX XXXX TX branch without me being present or signing my name to any documentation by a banker that was opening an account for a XXXX XXXX XXXX XXXX with my husband. My husband opened all of the deposit accounts w/ joint ownership, which I agreed to. However, the banker lied to my husband & told him that the credit card was in his name only since he was the one in the branch at the time. We proceeded to use the card but elected to close the account bc BB & T erroneously reported 4 late payments on my personal credit, which was incorrect, as we had setup autopay and bc bbts system was terrible at best, our autopay wouldnt work certain months and we were locked out of making payments manually online, as well. Therefore, when we raised these concerns, bbt came to an agreement with us that they would remove this card entirely from our credit report when/if we paid off the card, which we did, and bbt proceeded to remove the card from all bureaus until a year later when they showed back up & caused my credit score to plummet right before buying our $ XXXX house- this increased our APR from 2.66 % to 3.375 % costing us XXXX of dollars! I demand removal of the bbt card immediately and in return we wont file suit against bbt & their criminal banker that used my info to open a CC without my approval.
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: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was added to my credit report without my knowledge or consent. I am a victim of fraud. This account was added to my credit report one day and it is damaging my credit report and I would like to have it removed. This regional acceptance needs to be removed from my credit report as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Lost or stolen check
Subissue:
Consumer Complaint: I closed 2 accounts at Truist Bank on XX/XX/2022, and was given XXXX bank checks for the amounts of {$52000.00} and {$5000.00}, respectively. The checks were stolen from US first class mail. The check for {$52000.00} was fraudulently altered to another payee and negotiated. The check for {$5000.00} has not been located. I promptly notified the issuing bank on or about XX/XX/2022, of the losses. In the presence of the bank manager, I completed all paperwork for claiming the losses of both checks. On XX/XX/2022, I received a letter from the bank saying that the {$52000.00} would be " credited to my account '' ; however, when I went to the bank on XX/XX/2022, the bank refused me because the account had been closed in XXXX. The bank corporate Fraud info line told me that no claim had ever been forwarded to them for the second check, {$5000.00}. I am out {$52000.00} and {$5000.00}, respectively, because the bank has failed to follow through on its own policies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Getting the loan
Subissue:
Consumer Complaint: This company approved me for a large loan ( {$20000.00} ). I was delighted since it meant that I didnt have to liquidate assets to pay for roof repairs. They sent me a separate email with the exact date funds would arrive ( XXXX ). Based on this confirmation of funds, I began to send payments that were overdue. Then we started to play games about which bank account. No business accounts ( I run a small business ). No joint accounts. No investment accounts. No new accounts. The deposit account must match the payment account. Always a different, undisclosed reason. The XXXX came and went with no money. I called, and they blamed my bank for not crediting my account. My bank told me no funds were ever transmitted. Then the only answer I could get was : its being reviewed, dont worry. As checks started to bounce and fees began to pile up, I began to become irate. I was promptly transferred to some supercilious fraud specialist who played twenty questions with me. Im a XXXX XXXX XXXX grandmother. I dont remember the address of a temporary apartment I lived in for a few months 12 years ago!! Well, well have to send it back for further review he gleefully announced. Suddenly, none of the emails contained a call number, and I was declined because my credit couldnt be verified. No attempt was made to clarify whatever problem existed. XXXX promised me three times that XXXX the Manager would call me. Then I was actually told his phone was malfunctioning. Finally an agent said that I should just apply all over again. I did that twice, and now Im being denied because there are too many inquiries. The truth is that they dont want my business because Im old, and theyre afraid Ill die before they get paid. All their vague reasons could be addressed in one honest conversation. The worst part is that Ive lost a XXXX points off my credit score, {$500.00} in bank fees, broken faith with honest business people, and I suspect theyve blacklisted me somehow because now no one will lend to me. I cried all night Thursday night. I cant believe Truist Bank would treat a fine customer this way. XXXX XXXX Dear XXXX XXXX XXXX This email confirms that you have chosen Tuesday, XX/XX/XXXX as your new loan funding date. On your funding date, we will deposit your loan proceeds into your designated account via an ACH ( Automated Clearing House ) transfer. Your funds will be available for your use at some point during that day. To confirm receipt of your ACH transfer and loan proceeds, please contact your financial institution. Your first payment is due Wednesday, XX/XX/2022. If you would like to make changes to your pending loan, you may do so anytime prior to XXXX p.m. Eastern time, Monday, XX/XX/2022. Of course, please feel free to email us with any questions or call us at ( XXXX ) XXXX. We also accept calls made through the relay service ( dial XXXX ). Thank you, XXXX We plant a tree with every loan
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2022-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-07-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have home Mortgage with Truist bank. I never have any missed payments and have automatic draft payment for my monthly payment directly from my bank account. On XX/XX/2022, because I had excess of {$7400.00} in my escrow account - Truist sent the check but it was sent to wrong address. In XXXX, I called Truist on their customer help like ( only way you can talk to someone ). After taking to the agent for 1 hour, agent initially declined to resend escrow check back and then at the end after talking to supervisor, agreed to resent to correct address. On XX/XX/XXXX, Truist bank, instead of sending check for additional escrow, debited {$7400.00} additional money towards principle without my approval. I am tired of reaching out to front like telephone operators from Truist who never understand the issue and incorrectly auto drafting money from my bank account. I am tired of Truist bank - will never bank with them again with such type of customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28104
Submitted Via: Web
Date Sent: 2022-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A