Date Received: 2022-06-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: This is my 3rd complaint with Truist Bank. I have tried to get my mortgage refinanced for over a year. The first complaint was Truist was resolved. The second complaint appears to be resolved but is still open. This complaint is regarding my credit report showing delinquent payments, late payments for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX. I was in bankruptcy and payments were not made during that time XX/XX/XXXX- XX/XX/XXXX but it was removed because of Covid related issues. The bankruptcy was paid in XX/XX/XXXX at which time late fees were added to the mortgage. The mortgage was paid on time for months that it is showing late on my credit report. Truist states that these payments were put on past payments making them late for the XXXX 2021 months. Once again I am trying to refinance my mortgage to get my exhusband off the mortgage. Every complaint I file with Truist gets cleared up only to bring out another issue that was not on my statement or credit report prior to my trying to refinance. Truist is interfering in my moving forward and keeping my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In late XXXX went to the drive through of a truist bank asked for a certified check for {$1100.00}, teller pulled up a joint account that was not mine and after ealizing the mistake froze their system. I was working I was asked to come inside and then they wanted me to come back at XXXX in the XXXX. I came back the next day as the bank opened and was there for a hour and a half and was told by a bank officer that usually the money would have came out of the managers account but they took it out of the tellers account is what I was told. They gave me the certified check and as I left I said " is my money ok? '' He said " yes sir '' I gave the check to my landlord and it took 2 weeks for the check to be recognized as no good. I went back up to the bank where I got it from and they said it was a mistake that there was 2 checks out their and needed information from my landlords bank. I gave them the information I could get from him that he deposited it from a paper deposit check with other checks. When I found this out I went up to that bank and as I walked the manager stopped me and said very bluntly that they could not help me. I told him that somebody would help me before the end of the day and I went outside and sat in my truck and filed a complaint with their headquarters in XXXX NC over the phone.i have now paid XXXX, XXXX and XXXX rent and my XXXX still isn't payed. The stress has been unbearable I am a XXXX XXXX XXXX XXXX who gets no help from anyone. And have been up to my regular bank 4 times with no results, my landlord is well known in the area and it is amazing that he hasn't thrown me out by all I want is for them to make it right they have my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27526
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2022 I received a call from my bank 's local branch BB & T stating they had been notified by the fraud department that there had been fraudulent activity in my personal account where a check was cashed by an individual in Texas. I immediately went to the branch and filled out an " Affidavit of Fraudulent Activity '' which was sent by the bank representative to their Fraud Department which later they stated they never got is so I went to a different branch and the Vice President emailed it again. I later confirmed with the Fraud Dept they had received the affidavit and an investigation was going to be conducted but due to the type of transaction it may take a while. I followed up for month until I was told that the case was closed and they had not found any fraud and no reimbursement was due back to me and never received any correspondence from them stating so. Numerous people had the same issue and they were blaming it to technical issues during the merger ob BB & T & SunTrust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33073
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never communicated with XXXX XXXX XXXX XXXX XXXX ) on XX/XX/2022, XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX on XX/XX/2022 or XX/XX/2022, XXXX XXXX XXXX or XXXX XXXX on XX/XX/2022 ( violation of 15 USC 1028 and 15 USC 1029 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30906
Submitted Via: Web
Date Sent: 2022-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX I purchased XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXX, NC. The bank that financed the vehicle was Suntrust Bank XXXX, XXXX XXXX XXXX, XXXX, Va XXXX, phone # XXXX. The problem is that BB & T and Suntrust banks merged to become Truist Bank. In the last part of XXXX, early XX/XX/XXXX two credit lines for {$39000.00} each. The account number with Truist account is XXXX. The account # for Suntrust ends in XXXX. I have two credit lines for {$39000.00} on my XXXX credit report. I contacted the credit bureau by electronic dispute, several times in the last three months, but they keep stating that the creditors are reporting the information correctly each time. Therefore, I went by the XXXX local branch and also two different XXXX, NC branches for them to correct the problem. On XX/XX/XXXX I paid the XXXX XXXX XXXX off, because all the phone calls, all the visiting the local branches was causing me XXXX and XXXX, I also sent a certified usps letter, with details about the accounting error the banks had made on my XXXX credit report. Once I paid the vehicle off, I thought both banks would report to XXXX properly and with the correct accounting information for both errors on XXXX, which created more debt, unnecessarily on my credit which causes other credit problems, debt ratio and false information being reported as accurate. The case number # XXXX for the letter I recieved from Truist Bank, Credit Dispute Department, XXXX XXXX XXXX, XXXX, NC XXXX, dated XXXX. The Truist Bank stated that the two accounts information is being reported correctly and there are no changes necessary. They stated that the information I am disputing was furnished correctly. XXXX as of XXXX is still reporting false information that it appears that the Truist Bank is providing. The bank is wrong and I feel bad, XXXX, and XXXX because I can not get the bank or the XXXXXXXX XXXX XXXX to do the just, proper, or right thing based on the merger and cosumer contract law, and the violation of the law under FCRA and the consumer protection act of USA. I am requesting some results and some correction and some pay, if my case meet the criteria for me to get paid by the bank and the XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2022 XXXX transactions were unknowingly deducted from my TRUIST bank checking account for {$1400.00} and {$1400.00}. These funds were taken out using the XXXX and was then transferred immediatey to someone's XXXX account. This all happened almost instantly. Events as they occured : In XXXX I paid a caregiver to care for my mother through the XXXX. When she went to get her funds out, she was told the transactions had to be verified by me. On XX/XX/2022 On a three-way call to me XXXX put us on hold and we waited several minutes before we finally disconnected the call. I immediately went to my bank account and saw the funds were pending to be deducted from my account. I called the bank an was told they could not do anything as long as the transactions were pending. I tried to cancel the the transactions, but they said there was no way. I had to wait several days for the transactions to clear before I could submit a claim. On XX/XX/2022 the transaction cleared. I then submitted a fraud report to the bank, but it was determined that it was an authorized transaction and my claim was denied. When the bank refused my claim, around XX/XX/2022, I contacted XXXX and made a claim. After several days, they also said it was an authorized transaction and denied my claim. Subsequently, on XX/XX/2022, I contact a XXXX fraud response company ( XXXX XXXX ). They said for an additional {$550.00} they would give me the information to get my money back. I can not afford to put more money into this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2022-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-11
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Received a letter from XXXX XXXX and also credit monitoring alert account had tried to be set up in my name. Email from Truist Bank with account ending in XXXX had been set up in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I am a XXXX veteran twice injured in the XXXX XXXX XXXX and living paycheck to paycheck on monthly XXXX income payments from the VA and XXXX. After involuntarily losing my business in XXXX, I now live with a caregiver XXXX and also receive XXXX hours of weekly XXXX XXXX I am seeking help from the CFPB and consent to its publication of my complaint and my experience on its .gov. In particular, I am XXXX year commercial and private accounts customer of Truist Financial Corporation , fka SunTrust Banks , Inc. , fka Sun Bank XXXX On XX/XX/XXXX, an electronic scam resulted in two XXXX transactions that withdrew {$2500.00} from my Truist checking account -- {$1500.00} and {$1000.00} -- Truist Confirmation Numbers : XXXX & XXXX ; XXXX XXXX XXXX : XXXX & XXXX. That financial loss triggered others downstream, causing me to struggle, miss paying bills, contact creditors for hardship deferrals, and use local food banks and other assistance programs while recovering. While I had my local sheriff investigate, it concluded on XX/XX/XXXX that, although the funds were stolen, the stolen funds were never possessed in my county of residence. Thus, it could not move forward with prosecution. Truist 's process was disheartening. While it claimed to have a robust investigatory process along with an initial and a second review process, Truist truthfully had a machine that denied consumer claims. While it allegedly reviewed and denied my claim twice, Truist only sent me its XX/XX/XXXX letter and that letter has no detail or basis of denial, merely stating my case was being denied. Today, I contacted Truist in an attempt to have my case reviewed and federal regulations applied. Instead, I was passed from employee to employee in the alleged fraud department. ( XXXX ) XXXX to ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Truist 's employees had cookie cutter information but no answers to direct questions. When I asked for a supervisor, the employees warned me that it would take " forever '' to get one on the phone and that that supervisor would tell me the same thing. '' Nothing? One Truist fraud employee literally told me that they were " unable to transfer me to the XXXX fraud department. '' When I followed up with more questions, that Truist fraud employee told me that s/he had " no power or authority to transfer me to the back office where XXXX fraud claims are handled. '' I was not asking for banking administration, regulatory compliance, accounting, or IT services... I was asking for Truist fraud supervisors dealing specifically with XXXX fraud. I thought the days of the back office where men sat around smoking cigars and nodding their approval and denial of claims based on their whims was long over. I thought the EFTA and 12 CFP Part 1005 ( Regulation E ) covered XXXX transactions and that Truist would avoid a finding of failure to comply and payment of fines as well as reasonable attorney 's fees and costs. Instead, it chose today to further spurn my inquiry. Truist literally pretended to have poor reception. I could hear the Truist fraud supervisor say her name and then pause ( while breathing was heard ). I repeated her name to her but after her third fake garbled sound, she " was forced to hang up. '' Truist 's institutional policy is clear. I am filing this complaint not only to recover my {$2500.00}, but also to help every other consumer injured by Truist 's malfeasance and misfeasance. Thank you in advance. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, GA, XXXX XXXX ( XXXX ) XXXX XXXX : XX/XX/XXXX SSN : XXXX XXXX NO : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I have never had a personal account with these banks. I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. Please validate this information with XXXX Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I tried to turn off overdraft protection before a few transactions debited my account. I call the bank, they told me to come into the branch. I was not able to go into the bank due to XXXX. I went to the ATM machine to cancel overdraft protection but it would not allow me to cancel it. The bank continued to charge me overdraft fees. The overdraft fees were XXXX time as much as the debits. On XXXX, I went into the bank branch on XXXX XXXX XXXX XXXX XXXX, NC XXXX and complained about {$480.00} being taken out of my other account ( XXXX ). They told me to call Truist XXXX Department ( XXXX ). I called the recovery department ( XXXX ) first person hung up in my face and second person told me to go to the bank branch and ask for the XXXX. At this point Truist will not give any of my money back. They are refusing to look into the matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A