Date Received: 2022-06-10
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I have an auto loan with Truist Bank. I have recently moved from XXXX to XXXX XXXX and need to register my car in the state. In order to register my car, the State requires that I have the police department perform a VIN check and for that I have to present the title even if there is a loan on the car. I talked with Truist by phone twice. First, I was told that the State had to request the title. The State 's policy is that it will not request title information from lienholders or leasing companies. The State told me I needed to request the information. I spoke with another person at Truist who said that I could request the title myself by only by fax. I did that by fax on XXXX - requesting that the bank send title information to the XXXX DMV. The State received nothing. The State told me I should request that it be sent to me as the State will give it to me anyway when the State receives it so I can take it to the police department. I requested that of Truist on XXXX by fax and on XXXX by email. I did a chat with the Bank today and it refuses to send the information to me. I have a transcript of that discussion. I need to register my car. I need evidence of title so that I can comply with the State of XXXX XXXX XXXX registration laws. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
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: 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: Cash advance was taken out on my credit card by hackers and Truist refuses to acknowledge it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33133
Submitted Via: Web
Date Sent: 2022-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I just realized my accounts are overdrawn and am owing money I don't know about. Please kindly get the culprits down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Fraud or scam
Subissue:
Consumer Complaint: I AM A TRUIST BANK CUSTOMER. I WENT ON LINE AT THE TRUIST WEB SITE AND SENT {$1500.00} VIA XXXX TO REGISTERED XXXX PERSON ON XX/XX/2022. I RECEIVED A CONFIRMATION ON XX/XX/2022 AT XXXX PM : " PAYMENT UNDER REVIEW. YOU'LL BE NOTIFIED SHORTLY WHEN ITS STATUS CHANGES ''. THERE WAS A PHONE NUMBER AND A REFERENCE NUMBER ON THE NOTICE. SO FAR THE {$1500.00} HAS NOT REACHED ITS DESTINATION. I TRIED TO CALL XXXX YESTERDAY AND WAS ON HOLD FOR XXXX MINUTES. FINALLY A LADY ANSWERED WHO SAID THERE ARE SOME ISSUES WITH XXXX AND SHE COULD NOT HELP ME BUT A REPRESENTATIVE WOULD CALL ME. OF COURSE, NO CALL. NEEDLESS TO SAY I AM LIVID!!! WHERE IS MY {$1500.00}???? IT HAS BEEN DEBTED FROM MY ACCOUNT, BUT HAS NOT REACHED ITS DESTINATION. WHERE IS IT? I SEE THAT XXXX XXXX XXXX XXXX HAVE SENT COMPLAINTS TO XXXX 'S PARENT COMPANY, XXXX XXXX XXXX, XXXX. I WANT AN ANSWER... .WHAT IS GOING ON?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34238
Submitted Via: Web
Date Sent: 2022-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To whom it may concern, XX/XX/2022 Good evening, sir or madam from the consumer financial protection office. I am writing to you through this letter because I want to formally complain to the bank with which I have been associated for 5 years, first as Suntrust bank and now as Truist bank. The reason is the following ; Since XX/XX/2022, I deposited a check for the amount of {$10000.00}. and they still do not reflect that money to withdraw, they only gave me {$100.00}. In other words, they put {$10000.00}. on hold. The situation is the follows : I requested a personal loan with a guarantee from a finance company called XXXX for the amount of {$10000.00}. and they approved it. Previously I had already lent with the same financial company and I always request it by check. But now the amount I lent was larger than the previous ones, since the others were not with guarantees, they were only personal loans of {$5000.00}. up to {$6000.00}. I always deposited them at Truist Bank but they had never taken this long. What took maybe 3 to 5 business days. However, this time they took longer, and they don't want to help me. I called customer service 4 times and I explained to them the situation that was happening since I did not have money to pay my bills. One of them told me that she would put a note so that the first agent who arrived at a branch could notice it since it is not the first time that they put me on hold. And after processing it the next day I could withdraw my money, but it was not like that. The second told me that they couldn't do anything that those who work inside the banks are the ones who remove and put the hold and if they did not do it, I should ask to speak with a manager or supervisor. In addition, that money is not only mine, it also my parents depend on it to pay their bills, rent, electricity, telephone, food, gasoline, university, we needed money because we were going to send boxes to our country of origin and we depended on that money. The only thing I had in my account was only {$2.00} at the time. I went on Tuesday XX/XX/XXXX to see if they could make an exception to one of the bank branches specifically the Truist bank which is located at XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX. It was not open yet, a bank that opens at XXXX XXXX not like the majority that there will be at XXXX. When they opened I talked to a banker whose name is XXXX. She told me the following : " I can't do anything, it's too early, it doesn't show up in the system since we don't work on weekends, therefore Monday was holidays and we don't work either, so from today on, the business day is counted. '' I explained that I had no money to pay my bills, as I could see in the system, I only had the {$2.00} that would give me at least {$2000.00}. or {$5000.00}. She told me that she couldn't, I explained to her what costumer service told me on the phone. She told me that she was unaware that they could remove and add the hold. I asked to speak to a manager or supervisor and she told me ; There is no manager or supervisor since the manager is the same supervisor and the person as such was off all week Therefore, in that bank they did not have anyone in charge or they did not want to put someone who was a responsible in charge. While she kept repeating the same thing to me, I got up because I didn't want to listen to the same thing anymore, plus they couldn't help me so I let them know. I told them that other banks do open on weekends. I left upset because they didn't help me and seeing the freshness with which they said things. I went to another bank where they treated me well, the banker who attends there was very kind, he explained me better than the banker from the other bank and tried to help me but he couldn't. I also requested to speak to the manager but he was also off. But they told me that my check would be processed and that the total amount would be reflected the next day. To my surprise it was not. On the contrary, they left me on hold until XX/XX/XXXX and on Thursday, XX/XX/XXXX, my money would be ready to be able to withdraw it. However the bills had to be paid. My father had to lend XXXX dollars for me to be able to put gas in my car on XX/XX/XXXX because I had to travel to the university and leave the boxes until XXXX and I had no money. On Wednesday, XX/XX/XXXX, we had to pawn my father 's trumpet under the name of my mother. In order to pay the bills from other banks, my health insurance, rent, food, and again gasoline because I had to travel to university and with what I had traveled the day before, I had run out of gasoline. Also, it can't afford to pay the rent. In addition, the trumpet is my father 's work instrument because he is a musician. We had to do all this because of the bank 's delay, now we have to pay the interest for the trumpet loan. Thing that was not necessary because I know that the check has funds. We were able to solve but at the same time not. Then, the rent is charging us the late fee also for the same bank delay. In addition, the electricity was charged on XX/XX/XXXX and I only had {$1.00} in my truist bank account, they paid that Bill but I have negative numbers and the bank overdrafts me when I can not pay and they charged me {$36.00}. more since I don't have to pay yet, I haven't started working. All this was totally unnecessary because if they didn't take so long this wouldn't have happened. Truist sent me a letter telling me that they were sorry for the delay that if that had consequences of something being charged to my account and they put the overdraft for not paying. They would remove that and give me a refund for the damages caused by tte delay check. If the check has the funds, but if it has funds. I went to the bank again, the same banker attended me again, I told her we had already spoken before and they told me " I know you, you were mad to me last time! '' Now I ask, for telling the truth and for wanting to know information about my own money, it is being bad, so I don't know what world we are living in. So I told her yes, you sent me this as a truist and I showed her the letter, I looked at it, she read it and told me ; " WHAT DO YOU WANT ME TO DO! '' Later she told me that the money is not ready until XX/XX/XXXX and that she could not help me. So I told her, if you can read below it says that you have to reimburse me for the chargers that they made me for the delay that they themselves have caused, she told me YES! and I can't help you because it still doesn't come out in the system, we'll see that the day your money comes out less, I can't help you, but the negative numbers already came out in the system, he told me " WHAT DO YOU WANT ME TO DO IF IT DOESN'T COME OUT IN THE SYSTEM! but she with a contemptuous tone she told me. To which I told her- Then I will come when my money comes out but you are going to pay for all the late fees that I have had for your delay. She replied, NO! we will see what we are going to pay or not! because here I do not see any delay. That is to say, that for the late fee that the rent is charging us they will not pay it, the interest for pawning the trumpet will not be paid either, I do not know if they will also pay for the electricity seeing how they act only for their benefit. If she did not see a delay payments is because of what we have done, even the impossible to pay the debts and the one that was there in negative numbers is the electricity even so she can not see it. She also told me that since I had a student account that the term for that account was going to expire_ I told her, I'm XXXX XXXX XXXX but don't worry about that because I'll close the account, she told me OKAY!. Before I left I told her that if the manager was there to talk to him now, she said that he wasn't there because he was at Lunch. I started laughing because it's crazy how they treat customers and I started like that so as not to get angry because they don't solve anything. I have proof of everything I say, I hope you can do something. I appreciate your time for reading my problem which is happening with my family. I hope that you can help me. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have reached out to the company in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and, XX/XX/XXXX requesting my loan documents as well as a ledger or my statements. I have called as well as sent a request via email on their contact page. I was informed that they would reach out to a supervisor for final approval to have these items sent to me via mail on multiple occasions. I have still not received any of the requested items or a callback. One representative of their company advised I can review my statements by logging into their app and transferring to paper statements. I made the update and I see the statements on the app from XX/XX/XXXX but when I click, I am constantly receiving the error code on my past statements from XX/XX/XXXX to XX/XX/XXXX " Invalid Request- Retrieve Individual statements failed- Please give correct details ''. I can view the statements from XX/XX/XXXX to current, but it does not allow me to print the full statements. It will only print a blank page and I have tried it on numerous occasions. My monthly payment is {$460.00}. As each month goes by my balance is not adding correctly. I originally paid XXXX for my vehicle as of today I have paid over XXXX, and I still have a balance of XXXX on my loan. I am utterly confused and would like the ledger of all my payments, the original loan documents, and all my statements sent to me to investigate this further or clear my debit at this time. I do not understand how I have a vehicle loan for 60 months and my maturity date is an additional 23 months added to this loan. That gives me an XXXX term and I only had 4 of my payments added to the end of the loan and roughly 8 late payments. I am seeking answers and unfortunately, the company refuses to give them to me at this time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2022-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have previously submitted a claim to Trusit regarding notification of an increased escrow payment of XXXX with less than 30 days notice. The increase in escrow was due to a mistake made by Truist, they paid my annual taxes twice and overdrew the account. Instead of taking responsibility for the mistake, they have repeatedly ignored my request to adjust my mortgage payment while the issue is resolved. Both investigations by myself and Trusit have determined that they paid the city of XXXX XXXX more than necessary. They have applied for a refund, however, while the refund is processing, my current monthly payments are increased by over XXXX due to the overdrawn account. The burden of this increased payment should not fall on me as the consumer. I believe this was done maliciously by Truist to force foreclosure. I have reached out multiple times by phone with no response. They call and leave messages with no updates letting me know a letter will be sent in the mail. They closed my original case with the CPFP after resolving absolutely nothing regarding the monthly payment increase. As I stated before, I believe their practices are predatory, a violation of RESPA among other laws and I will be taking legal action at this point since Truist is unable to do the right thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist bank accepted a XXXX payment sent to me and the bank wont release my funds to me. Gave me the run around for 5 days
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The reason for this letter it to dispute unauthorized inquiries on my credit report. On XX/XX/XXXX I retrieved a copy of my credit report and discovered 1 inquiry that I have no knowledge of. Because I did not apply for credit with Truist Dealer Services. Inquiry date was made on XX/XX/XXXX. I have also reached out asking that they remove the inquiry from my credit profile. Please launch an investigation into the creditor inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. If you find that any of the inquiries is invalid, I am requesting that it be removed from my credit report as soon as possible. But if any creditor is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Contact : XXXX XXXX Description : I have banked with SunTrust now Truist bank for over 15 years. I have a monthly paycheck from the school board deposited every month. Last year I became a XXXX to earn extra money to pay down credit cards. I sold a XXXX and received my commission check on XX/XX/XXXX for XXXX. I went to the branch located at XXXX XXXX XXXX XXXX in XXXX XXXX, Fl. To deposit my check and payoff credit cards. I was told there would be a hold but not for 10 days. And never was I told I would have no funds in my acct that they would actually make my available account balance negative the amount that I deposited. I've worked in banking before and have never experienced this. The check I deposited was drawn from an instate bank. I paid some credit cards and other items and was charged many NSF fees and had my payments returned all while the bank is holding my XXXX check hostage. This is an unfair practice. When I called the customer service line I spoke to 3 different people and no one could help me. I called a local branch in XXXX and she attempted to help but then did not answer or return my today when she told me to follow up today ( XXXX ) I do know my husband has deposited my other commission checks at other branches and never had this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2022-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A