Date Received: 2022-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had 2 credit card with the suntrust bank which were sold to Truist bank. I had a law suit filed by Truist Bank against me re one of the credit card in XXXX. Somewhere around XXXX of XX/XX/2021 I received the phone call from XXXX XXXX XXXX. Since one credit card was in the legal dispute and only attorneys could communicate on the subject I thought that XXXX XXXX XXXX XXXX Rep is talking about the second card and I settled the debt for {$3000.00} with the XXXX XXXX XXXX XXXX XXXX ph : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA, XXXX and this settlement was fully paid ( {$1000.00} withdrawn from my account on XXXX XXXX ; XX/XX/2021 and XX/XX/2021 ). Meanwhile I also settled the credit card which was in the legal dispute through my attorney and also paid the settlement fully and the file was closed on the court level. Later I discovered that both settlement were done for the same credit card ( not two different accounts ). I called Truist Bank and they said that they never received the settlement from XXXX XXXX XXXX nevertheless they sent me 1099 C form with the debt discharge and the amount corresponds to XXXX XXXX XXXX settlement. I attached the letter from XXXX XXXX XXXX. I paid for the same settlement twice and it is a fraud on Truist Bank side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against REGIONAL ACCEPTANCE CORP for violating a cease and desist notice they received XX/XX/2022 and for continuing to invade my individual privacy by committing abusive, deceptive, and unfair debt collection practices. I have attached a debt validation letter, a Cease-and-Desist notice, Exhibit A which is a copy of the account reporting on my XXXX consumer report, Exhibit B which is a copy of the account reporting on my XXXX consumer report and a pdf of an FTC report that will be labeled as Exhibit C when filing litigation in Federal Court to this complaint . There is no statute of limitation on fraud because I never contracted with them and they have no reason to have my identifying information. Also Pursuant 15 USC 1692g ( c ), I have not validated any alleged debt with REGIONAL ACCEPTANCE CORP and my failure to dispute the validity of these alleged debt shall not construct as an admission of liability. As of XXXX XXXX I have not received any documentary evidence, such as a trilateral contract, giving REGIONAL ACCEPTANCE CORP any right to collect on this alleged debt. It is my belief that REGIONAL ACCEPTANCE CORP are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from REGIONAL ACCEPTANCE CORP before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report. If REGIONAL ACCEPTANCE CORP can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me the consumer, prior to furnishing it on my consumer report, this has been a fraudulent furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
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: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received 2 notices, sent to an address I have not been living at for 20 years, for separate accounts from Truist Client Center titled " confirming your acceptance of Overdraft coverage ''. Calls to Truist have resulted in either, multiple hours on hold, transfers to the fraud department that disconnected, or no help because I would not provide my SSN ( not willing to provide more than the information on their mailers because they have already shown they shouldn't be trusted ). I did get through to the fraud department and they said I could expect something in the mail. What I received instead was notices from 2 more accounts ( now 4 accounts that I am aware of ). A call made today to the number on their website resulted in another transfer/disconnect ). I am currently on hold with their fraud department as I complete this form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95008
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Complaint XXXX was filed with the CPFB. CFPB closed the complaint because truist bank claimed the person on the complaint is not authorized to access the account. however, truist bank is well aware that the person filing the complaint has power of attorney from the account holder and in fact is authorized to access the account. What's more, truist bank required that the person making the complaint speak on the phone and give authorization to discuss the account. What is happening when truist bank requires that a person give authorization to discuss an account, but later - after that person files a complaint- says the same person is not authorized to access that account?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2022-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Other service problem
Subissue:
Consumer Complaint: live in the XXXX and have rental properties in XXXX from which I take income. Years ago I setup wire transfers with Suntrust and received the alphanumeric pin and got a repeat code for international transfers to my XXXX broker. Calling their wire ops and using my codes was quick and easy. I was concerned with the effect of the merger with Truist but everything seemed smooth. Until XXXX. When I called to initiate my usual repeat wire I was redirected to the new Truist wire operations department but it appears the system has changed and I now require a new 6 digit phone wire profile and corresponding pin. This is where the 'fun ' began. Over the first week in XXXX week I called 27 times and spent a total of over 7 hours on calls in an attempt to apply for these new access codes, but their system constantly throws me out as it does not recognise my lack of SSN, ( as a non XXXX resident I do not have one just an ITIN ), tells me I'm transferring to an operator and then cuts me off. If I try the wire numbers ( retail or Treasury ) I can't get past not having a pin to speak with someone. On the rare 3 occasions I finally managed to talk to an associate they didn't know what to do either and I've been transferred around everywhere in circles. The last call was with a lovely lady in Treasury who tried and tried to find this information for 2 hours and 13 minutes before transferring me in desperation and ... ..the number was " unavailable in my location ''. I've now tried 8 separate telephone numbers in the process. I used webchat and called my XXXX branch and no one there could help at all either. I even tried to contact Corporate headquarters but again ran into an automated menu with no option to speak with anyone directly. I emailed their CEO directly, their investor relation and even their media department but all were ignored. So, XXXX XXXX I made a physical branch visit as I was in DC and spent XXXX hours with a Senior Relationship banker as he tried to assist. I left him for another XXXX hours working on it and went to lunch. On my return he informed me that Truist does not have phone wire transfer facilities for " ordinary '' retail clients only for business and hi net worth accounts. Everyone else has to go into a branch ( from XXXX!? ) He then explained he had managed to contact the department that services hi net clients and they would make an exception for me. I signed the authorisations that day and flew back to the XXXX. That was nearly 2 months ago and I STILL have had no contact from anyone in Truist to give me the required wire profile code and pin to enable me to access my funds. This is the only way I can get at my money and Truist do not care, in effect they are knowingly obstructing me access to my funds for months now.
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: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I am extremely upset and am considering sharing my experience with the local news, XXXX, and any other outlets for consumer protection that exist. The FDIC encourages banks to work with consumers affected by COVID-19. These efforts may include waiving certain fees, including overdraft, ATM, late payment, early withdrawal, and other fees.. This bank did not follow covid protection protocols put in place by the President of the United States for anyone affected by Covid. I clarified that I was affected by covid and I also was severely struggling due to the pandemic. I made proper people aware of the situation and I was basically treated like complete disgustingness by the bank staff and their behavior deserves to be investigated. Not to mention I was forced to pay fees that I could not afford, that were out of my control because the bank refused to assist me regarding the issues I had. I want the chairman of the bank involved I want an explanation of why he thinks this is ok to do to people who are struggling and who were affected by the pandemic directly. I lost so much from this pandemic and how it affected my life, and the bank did not protect me. Now, I paid this bank off immediately after they closed my account, on XX/XX/2021 and SunTrust bank has yet to REMOVE the report THEY HAVE BEEN PAID and there is NO MONEY OWED, there is no reason to hurt my credit, this was not intentional this was because I was affected by XXXX REMOVE the report from my XXXX XXXX now! I demand this issue be resolved and I also demand any and ALL overdraft fees, bank fees, and any other fees that were erroneously, illegally, or improperly charged to my account and taken from me to be immediately refunded. SunTrust should be ashamed of how they treat their customers. I will also go to social media and tell my story in detail. YOU ARE RUINNING MY ABILITY TO GET BACK ON MY FEET AND RUINNING MY QUALITY OF LIFE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I requested to open a secured credit card in order to help build up my credit score on XX/XX/2022, saving account ending in XXXX secured credit card savings. I applied {$400.00} dollars as required. I called several times to find out the where about of my credit card. I was giving misinformed information over the phone repeatedly. I was told from customer service that their systems are converting to the recently merged from BB & T to Trust. I received my card in the mail yesterday but that was after the fact when I called in to the credit card department and was told that the card was not submitted, out of anger, I requested to have the credit card canceled and the refunds returned to my account. I was told that it can take 30 days to do so. The bank gives customers misinformed information about their own accounts and during the process, the customers don't have access to their own funds due to the bank errors and inaccuracy. This is unacceptable to punish customers for their out-of-data system by holding customers ' funds and not releasing them by applying the funds to another account, sending a check by mail, or in-person return funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: About three weeks ago, I couldn't log in into my truist online banking app. Said I needed it to call so I did .. the answers was .. your acc has been blocked but I cant see why... so she told me to go to a physical branch. Which I did and their answer was... it looks like your account has been blocked due to fraud, but the system won't show me exactly why..the banker told me to wait until the following week to call and ask. .. so I did and they still didn't have an answer for me... two weeks with a blocked account and {$2.00} dollars in it. I received a letter from truist saying that I was negative {$12000.00} due to some fraudulent checks.. .. and says please pay the balance in order not to send you to collection ... .. but I never did any transactions ... my account was never with more than 1,500 in it.. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30189
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: So I have unemployment an it was going into my bb & t money account card an everything was fine with my account until I went to a bank with very XXXX XXXX XXXX an they asked me where I got my money an why I have I told her as much as she was entitled to know. After that she flagged my account an no one is telling me anything for 2 years now they keep saying its under investigation. I have done everything they asked an no one is giving me answers 2 years later still. Also there was over 13k in the account now they say they took it to hold pending further investigation. I also received a deposit last month an now they are holding that also. I need answers from someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2022 I purchased a XXXX dump trailer for my business. I put down money and financed the rest through sheffield financial, also known as truist bank. Around the time I knew my first payment was due ( 30 days from purchase ) I logged onto my sheffield account to pay online, which is what I do for several other loans all financed through sheffield. Once I logged on I found no signs of my new loan or the ability to pay it. Every other time I've got a new loan through sheffield it would automatically populate in my account so I could pay online. Since it was not showing up I called sheffield customer service. From there I explained my situation and they were happy to look up my loan for me using my social. They could not find anything. I gave them my social, business EIN, address, phone number. Basically everything that would be associated with a loan of any kind was provided and they could not find a loan for a trailer ever having been financed through them to me. My other loans both paid off and still open popped up but not this one. I even called the dealer who sold me the trailer and confirmed with him that it was indeed financed through sheffield and he said yes and was paid same day by them. Knowing better than to assume I had just got a free trailer I kept calling over the course of the next few months. Everytime it was the same thing. No loan could be found with any info I gave them for a trailer I purchased in XXXX. XXXX rolled around and I am very worried that this is all going to come crashing down on me and my credit at some point, but no matter what I did or who I called or what I provided, they could not find this loan. I ended up calling and speaking with a loan officer through sheffield financial. I'm not sure if he put in some extra effort that the other customer service agents had not been, or if he has a different system he's able to look at, but he ended up finding the loan. He told me that in all his years working there he has never seen this happen. Apparently on sheffields end, someone had keyed in some wrong information and to my understanding it dealt with my social. He said usually these things are caught and fixed instantly. So since he's never seen this happen he had to get my email address so he could talk to his supervisors and get back to me on what we needed to do. I get an email back and he says all I need to do is make a payment for all the months I couldn't pay due to this error and all would be resolved. I made sure I asked him what I need to do if this starts reporting to my credit as delinquent since it was an error in sheffields part, which he openly admitted. He told me it should be no problem to get it removed if it did happen but that it shouldn't. Here is where the real problem lies. After he fixed the error, the loan shows up in my sheffield account and I make 3 payments to get my account current. My next payment dare is not due till XX/XX/XXXX. But immediately after fixing my social in their system, they started reporting my acc as delinquent to XXXX. This has dropped my account XXXX points while I'm in the process of purchasing a home for myself and my young family. You can imagine my dismay. I've spent the last 3 weeks fighting sheffield and disputing with XXXX these delinquencies to no avail. Everytime I call sheffield and speak to customer service they can see the paper trail of notes in account showing this whole process play out and always agree that this was a system error therefore should be removed from my credit. Everytime I dispute with XXXX it comes back that sheffield will not stop reporting this. I've spoke to one supervisor in collections department at sheffield and she told me she was not the supervisor who could do anything, but that I needed to talk to ANOTHER supervisor in a different department. She reached out to that supervisor who was unable to speak at the moment but promised me she Gave her my info and that she would call me next day. That was almost a week ago. No call, no email, nothing. I've tried calling back to talk to that first supervisor again but she will not speak to me and refused to give me her direct contact info the first time. These automated systems and uncaring employees are playing with people 's lives here. This was a system error. I had no control over not being able to make these first few payments. I have done around XXXX in business with sheffield over the last few years. Never had a problem, never missed a payment. But now, no one can be bothered to help me. It makes me sick. I will be pursuing every single legal and public option I have disposal to to bring light to this. As I said I am in the process of purchasing a home and this has dropped my credit score XXXX points. Please be wary of doing business with these people. I've looked then up on XXXX and they habe complaint after complaint about the same things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44641
Submitted Via: Web
Date Sent: 2022-06-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A