Date Received: 2024-01-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. In connection with any sale or lease of goods or services to consumers, in or affecting commerce as commerce is defined in the Federal Trade Commission Act, it is an unfair or deceptive act or practice within the meaning of section 5 of that Act for a seller, directly or indirectly, to : ( a ) Take or receive a consumer credit contract which fails to contain the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. or, ( b ) Accept, as full or partial payment for such sale or lease, the proceeds of any purchase money loan ( as purchase money loan is defined herein ), unless any consumer credit contract made in connection with such purchase money loan contains the following provision in at least ten point, bold face, type : NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. There has been improper use of my credit and there are multiple charged off accounts certificates of indebtedness which are now income and need to be paid as agreed I need this done in each of my credit reports with XXXX XXXX XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: On XX/XX/2023 I made a purchase on my Truist XXXX of {$11000.00} On XX/XX/XXXX, I paid the credit card balance off. The vender I made the purchase with was unable to furnish the products, so on XX/XX/2023 they credited my card back the {$11000.00}. Now I have a credit of this amount on my credit card. I went online and made a same bank transfer from my credit card to my money market account. After viewing my statement I noticed Truist Bank charged me a {$450.00} cash advanced fee. This was my money, nothing popped up to notified me this was a cash advanced with a fee attached. I have tried for XXXX weeks to resolve this issue and was told they ( they being XXXX different Truist representatives ) understood and would work on getting my account credited. Yesterday I received a call and was told the {$450.00} will not be refunded and that was final. I was told the computer can't distinguish between a credit balance and a cash advance. I had in excess of XXXX in my money market account, and XXXX in my checking account all in the same bank, why would I have needed a cash advance. Truist claims the only way to remove such a credit was to come into a bank and fill out the paperwork. I question why was I able to make this transfer without a notification of a fee being charged. Again this was my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have a relationship with Truist bank for almost XXXX years, when it was a SunTrust and BB & T banks. My Travel Rewards credit card opened with them for XXXX years and I use it very frequently. The card has good cash back rate, I travel very frequently and book my tickets and reserve hotels using it. Most of my trips are in business class and plan my travels in advance. Also I use this card for my everyday purchases, which are obviously becomes frequent because of XXXX and XXXX XXXX time. Because of the expenses, I had to ask my housemates to transfer me money using XXXX to pay my credit cards balance. Early morning XX/XX/XXXX, when I was in XXXX, I got a call from Truist bank. The lady from fraud prevention department asked me who is XXXX XXXX and XXXX XXXX, the people who sent me money. And she said that bank will always verify this type of transactions. I explained her that they are my housemates. XXXX XXXX is my common-law and she sent me money from her bank account in XXXX- it was XXXX {$4200.00}. She even was next to me at the moment of call. XXXX XXXX is my ex-wife and she sent me XXXX = {$8700.00}. I spend money on both of them using my credit card, thats why XXXX expected this transfers. I will attach their ids, so you can verify that its not a business related transaction. It was just a transfer to pay my credit card balance to make a purchases. We are all live at XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. I use my Truist checking account as my primary and I have all expenses connected with it - my mortgage, utility bills, internet etc. I have a business account in the same bank and do there my business related deposits. I never mixed it with personal. So now I have no access to the account and my credit card anymore, because Truist restricted my online access. Is it a perfect XXXX gift for me being a loyal bank customer for more than XXXX years? I always recommended this bank to my friends. And of course Im aware that XXXX is for family and friends transfer. But why Truist bank restricted my account because my close people living with me together transferred me money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33189
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My husband and I have a Joint checking account with Truist Bank. We spend part of the year overseas where we have a vacation home. When we are overseas we transfer funds from our Truist account to a currency exchange company ( XXXX ) through our US account with them. The XXXX USD account was added to our Truist account as an external account. This had been working fine with no problems. A couple of months ago we made a transfer of {$1500.00} to the XXXX USD account but had forgotten they had changed the bank they use. The money was therefore returned to our Truist checking account because our account at the previous XXXX bank was closed. However, for no reason and without advising us, Truist removed both this account and another external account we had with XXXX XXXX from our checking account. This meant we were no longer able to transfer funds from our checking account to pay our living expenses overseas. We have the details of the new bank XXXX uses and tried to reinstall it as an external account, as before. However, there appears to be some kind of block preventing this. I repeat, both accounts are with regular US banks. One is XXXX XXXX and the other is XXXX XXXX XXXX XXXX We have contacted Truist multiple times about this, both by email and phone, and they have totally failed to resolve the problem. We receive no replies to our emails and we still can not transfer funds. This has caused us considerable financial difficulties.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I received a notice from Truist 's attorneys XXXXXXXX XXXX XXXXXXXX on XX/XX/2023 requesting an amount to reinstate the loan and that after XX/XX/2023 I would require a new request letter. Subsequently a notification was sent to my tenant advising that Truist had filed a foreclosure action against me. I have not received a foreclosure complaint as of XX/XX/XXXX. I have also received multiple advertisement letters from foreclosure attorneys regarding the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07302
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: TRUIST BANK denied XXXX XXXX XXXX XXXX XXXX their credit and credit card on XX/XX/2023 unlawful. We email TRUIST BANK to Forward to XXXX XXXX XXXX, CFO of TRUIST BANK email sent. Requested Return receipt when XXXX XXXX XXXX receives email and Correspond through email. Never received a response from TRUIST BANK or XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
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: I had fraud charges on my card XX/XX/XXXX two transaction ( 1 ) XXXX XXXX {$1200.00} ( 2 ) XXXX XXXX {$66.00}, This dispute was finalized in my favor, however Truist never applied the credits for the transactions. In fact, on XX/XX/XXXX they applied two sets of above disputed charges to my account balance resulting in a total of {$3800.00}. On that same day XX/XX/XXXX, Truist applied credits in the amount of {$2500.00} leaving me with balance of {$1200.00}. Truist has been unhelpful in resolving this issue and will not credit my account for the remaining {$1200.00}. I've attached my transaction history showing the above described duplicate charges and credits along with the letters stating that the dispute was resolved in my favor.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am lodging a formal complaint against Truist Bank for their failure to provide adequate customer service and accurate information regarding my account documents. On XX/XX/2023, I contacted Truist Banks customer service for clarity on my personal account deposit agreement, specifically regarding the processing of social security XXXX payments. At my previous bank, such payments were accessible up to XXXX days earlier. To my dismay, the customer service representative declined to discuss this matter and instead, directed me to visit a branch. This was not feasible due to my work hours overlapping with the branchs operational times. Upon requesting to speak with a supervisor, I was eventually connected, but received only a subjective interpretation of the deposit policy. When I insisted on receiving the policy in writing, the supervisor placed me on hold, which resulted in a call disconnection. Moreover, Truist Banks claim that account information is readily accessible online through my business account is misleading. The only document available is the online banking terms and conditions, which does not cover the necessary details. I assert that Truist Bank has been deceptive and negligent in failing to provide customers, including myself, with physical copies ( whether through email, online account, or postal mail ) of crucial documents such as account terms and conditions, deposit agreement, and fee schedule. This experience has left me with serious concerns about Truist Banks commitment to transparent and customer-focused service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist was running a promotion for starting a new business banking relationship with them. I visited the branch and inquired specifically about this promotion and how I could take advantage of these incentives. I repeated numerous times my interest in taking advantage of the incentives being offered and went as far as to have the branch manager answer questions I had about the fine print. On XX/XX/XXXX I deposited a large sum of money to take advantage of Incentive # XXXX to earn {$400.00}. I also agreed to apply for and open a Truist Business Credit Card, which required me to unfreeze my credit. I made an " eligible purchase '' ( which was one of the fine print items I had the branch manager speak to ) and that should have satisfied Incentive # XXXX to earn an additional {$300.00}. On XX/XX/XXXX I received an email from Truist stating I did not meet their qualifications and thus the reward ( XXXX ) would not be processed. I contacted the associate at the branch who was helping me and was told " I do remember you ... and your desire to receive the promotions we had available. My branch leader and I reviewed your accounts this morning and the qualifications for all of the rewards. In our review, it is not showing in your business checking account where you deposited the {$1500.00} into the business checking to qualify for the rewards. You would have had to utilize the business checking account by depositing the {$1500.00} in deposits and then within 60 days of business checking account opening, if you did the qualifying deposits into the business savings and qualifying business credit card requirements you could get the reward. '' As stated previously, and as noted in the email from the branch associate, I made it VERY CLEAR when opening these accounts that I was doing to to take advantage of the rewards being offered. Their only solution to all of this was an apology. I should point out that the deposit was processed IN THE BRANCH by the associate who was helping me- NOT done by myself online or elsewhere. It should have been their responsibility to deposit the funds appropriately. I'm not the type to normally do this, and I will say the associate and branch manager were both very pleasant during my visits with them, but I'm disappointed in how this was handled. Had I not been abundantly clear about what drew me to Truist ( the promotions ) in the first place, then I could share in the responsibility for this error. As it stands, however, I couldn't have been more clear and thus the funds should have been processed accordingly. I believe I am owed both the {$400.00} reward I would have received had the funds been deposited in the appropriate account as well as the {$300.00} reward for opening the business credit card and making an eligible purchase. To date I have received neither reward. All of my communications via email are saved and available to share, as well as all documentation received at the time of my in-person appointments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called on XX/XX/XXXX to open a fraud claim under the case XXXX, a few days later I received teh affidavity letter and noticed that the representative made a mistake and didnt include all the fraudulent transactions on the claim, so I sent a letter explaining the situation. Now the claim was denied and I can guess was because that mistake. The answer from the bank said that the card was present and with chip at the moment of the transactions, the chip can not be duplicated. I never been to XXXX XXXX and XXXX. My card was lost and I reported to the bank as soon I noticed on XX/XX/XXXX trought the online banking and proceeded to lock my card. I called the bank today XX/XX/XXXX, and after 1 hour 15 minutes talking was almost impossible to get a solution. My time is money, and I cant wast it in all of this inneficiencies and negligences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A