Date Received: 2022-06-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I got a text from Truist Fraud asking if I tried to use my card for {$400.00} at a XXXX in XXXX Fl. I texted back no then looked at my account online. There were three charges from XXXX on there. {$260.00} at XXXX {$50.00} at XXXX and {$48.00} at XXXX. I locked my card then called Truist to report the fraud. They changed my card number and said they would investigate. A few days later I got a letter saying my dispute was denied because they were chip card purchases. It had to be my card their chip cards are " unduplicateable ''. I live in XXXXXXXX XXXX, WV. I have copies of the receipts where I used my card twice that day around my house at XXXX and XXXX. XXXX is XXXX hours away. My card could not be in both places. I also got a Truist fraud message about someone trying to move {$1000.00} from my account with a XXXX account. And just last week I got another fraud alert from Truist even though I never used that new card. I switched banks after XX/XX/XXXX. It's obvious my account has been compromised not just the debit card, but they would not look into it any further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 253XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: On XX/XX/XXXX I requested statements for my auto loan for year XXXX. Representative assured me they will be sent within 5-7 business days. Two weeks later i had to call back and they were unable to send me the request due to error of last representative. New representative is again unable to send me statements for XXXX since all my banking was online. My auto loan was through Suntrust and since the merger with Truist, they have unable to comply with my requests.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33467
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Truist Bank is attempting to collect bank maintenance fees owed on a personal savings account that was closed with SunTrust Bank 3+ years prior to its rebranding. To my knowledge, this account was opened with Truist without my permission and began to accrue maintenance fees until its overdraft. I am now being threatened with collections if these charges are not remitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In XXXX I disputed a transaction totaling {$200.00}. In XXXX they sent a letter saying they closed the account. Go ahead and close the XXXX account I dont XXXX care! They sent me two debit cards for a closed account. Makes perfect sense!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 361XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX, I went to the bank and made a withdrawal. On the same day the bank processed another customer 's withdrawal against my account. On the XX/XX/XXXX I noticed the transaction, called the bank and they opened a fraud case and deactivated/blocked my account. 20 minutes after that call, I examined the image posted to my account and called back the bank to let them know that the " fraud '' transaction didn't have my account nor signature. It was the bank 's error because the customer had correctly filled out their withdrawal slip. In light of this I asked for the block to be lifted from my account. I was told that I would have to go to the branch to have this done. I was told neither customer service nor the fraud department can remove blocks from account. In an attempt to have access to my account I have been to the branch twice, made innumerable calls to customer service and been transferred to multiple departments with no success. Today I still have no access to my account and I'm still being given the run around. Ie. being punished for a problem that was no fault of mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a ach transfer from my XXXX XXXX XXXX account to Truist bank on XX/XX/XXXX for {$470000.00} to there account XXXX routing XXXX as instructed by Truist to pay off my mortgage account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Md XXXX to now the mortgage has not been paid I received a past due notice for the XX/XX/XXXX payment but since I had paid the loan off I didn t make the payment but had second thoughts because I didn t want it to effect my credit score of XXXX so on XX/XX/XXXX I paid {$2800.00} but now my credit score went to XXXX now I am worried because they want my XX/XX/XXXX payment I tried to talk to Truist called on XX/XX/XXXX was on the phone for XXXX XXXX hours transferred many times and hung up on 2 times I tried again yesterday after XXXX min on the phone was hung up on again// XXXX XXXXXXXX XXXX gave me the Fax number they used and I sent a Fax telling the situation and ask that they call me nothing happened
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21215
Submitted Via: Web
Date Sent: 2022-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have 3 loans with SunTrust. Truist obtained my loans. I have electronic payments set for every month. XXXX, XXXX and XXXX processed perfectly. However, XXXX, XXXX and now XXXX, I am having an issue with one of the properties. Truist received all payments on time but they aren't applying the payment to one property. It is being held in suspense. I have called several times only to be transferred multiple times and disconnected multiple times. Now my credit is being negatively impacted and the Truist website will not accept my XXXX payment. Everyone at Truist that I have spoken to gives me a different answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97402
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Hello, I am contacting you regarding a dispute I have with my bank ( Truist, previously SunTrust ). Indeed, I made an international wire transfer of XXXX USD ( XXXX EUR ) on XX/XX/2022, from my American Truist bank account to my XXXX XXXX account ( XXXX XXXX ) ( Reference Number : XXXX, attached document # XXXX ) and the money should have arrived on XX/XX/2022. However, the wire never reached my XXXX XXXX account ( bank statement from XXXX to XXXX attached, document # XXXX to XXXX ). I have contacted Truist several times since I made my first request ( 4 in total ) on XX/XX/XXXX, and they have initiated a request to track and recall the wire to my Truist account. I also noticed a mistake on my XXXX address ( zip code ), that I asked to be corrected ( XX/XX/2022 ), I was assured it had been automatically corrected by the software but according to the XXXX XXXX document ( attached document # XXXX ) I received today ( XX/XX/2022 ) it was not. I dont know if its related to this issue but its an uncorrected mistake on their end. That being said, my transfer needed to get through two intermediary banks in order to reach my XXXX account and according to Truist my money should be in one of these 2 banks. They seemed to have been trying to contact those 2 banks to get my funds returned, but the intermediary banks have not been responding so Truist said they couldn't do anything. When I asked them to initiate the wire, I was told that if there was any issue, they will be able to recall the wire in order get my money back, and they are clearly unable to do so. In addition, they told me to contact the intermediary banks myself even if Im not a customer of these banks and dont have access to the information regarding the wire transfer initiated by Truist . In any case, if the intermediary banks didnt answer to Truist , why should they answer to me? However, I contacted my bank in XXXX several times : they never heard about this wire and requested the XXXX document identifying the transaction. Unfortunately, Truist was not able to provide me with this number which should be emitted by one of the intermediary banks. After several requests, Ive just received a mail from the bank stating my case was closed as the wire was sent as per my instructions ( attached document # XXXX ). I went to the bank today and had been told that Truist will not do anything else to help me recover nor refund my money. From my point of view, I gave Truist all the information needed to do this wire and Im not responsible for the transit of the wire through the intermediary banks, which is the decision of Truist. I entrusted my money to Truist and they promised me that my funds would safely arrive on my XXXX XXXX account in a maximum of 3 weeks. It's been almost 4 months and this promise has not been kept. As they are not able to get my money back, I want a refund. Respectfully,
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: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-06-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I traded my truck to a dealership that was to pay it off as part of the deal. Almost 3 months later I get a message from Truist collections saying I owed one last payment. I contacted the dealership & they provided a paid in full letter and advised the vehicle had already been sold. I naturally requested Truist collections department to validate the debt so I could pay it. They refused to validate the debt according to law, they did although holler, threaten and attempt to bully me in submission repeatedly & then placed derogatory marks on my credit report when I stood my ground requesting validation of the debt. This derogatory action caused one of my credit cards to be reduce XX/XX/XXXX dollars, I was denied new credit and my score dropped almost 60 points. This was escalated to their resolutions dpt and they still refused to validate the debt as required by law and made false claims that they were not a collection agency and did not have to abide by the laws governing collections. I paid a final payment just to stop this attack against my family and now, even though the account is closed they refuse to provide a paid in full letter. The resolutions agent that it was escalated to refuses to resolve the matter and told me I have to get the letter from collections, while collections told me the account is closed and there is nothing, they can do for me. I have had 2 vehicle loans with this company in perfect standing, never a late payment on either one. Their actions are a violation of law, and they intentionally damaged my credit while refusing to validate the debt or provide a paid in full letter once they damaged my credit and bullied me into payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2022-06-06
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A