Date Received: 2022-05-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I noticed a fraudelent {$9.00} charge on my checking last month. I reported it and Truist bank closed my debit card and said they would send me another card. They have never sent it and I went into one of the local locations two weeks ago and asked for a temporary and the banking person was so rude and claimed they don't do this any longer. I need my debit card. i have been with BBT for many years but Truist is just not ethical at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30338
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a notice from Truist Bank dated XX/XX/22 confirming that on XX/XX/22, I had requested to accept Overdraft Coverage for my account ending in XXXX. I had never opened an account with Truist or had any dealings with them. On XX/XX/22, I called Truist and was told not to worry that the account was opened on XX/XX/22, but it had been closed and there were no transactions. I told them that it was still a concern because somehow someone else had opened an account in my name and I wanted to know how that happened and I wanted an investigation done. They transferred me to the fraud department and they said they would look into it. I received a letter dated XX/XX/22 from Truist XXXX XXXX XXXX XXXX XXXX stating that " effective immediately '' it was necessary to close my account. On XX/XX/22, I called the number I had been given for the fraud department and explained the situation and said again that an investigation should have been done to figure out how someone opened an account in my name and asked why after a month all they had done was close the account which I was told had already been closed. I was told that I would need to speak to the XXXX department and my call was transferred to them. I told them the situation and they said I would need to talk to the Identity Theft Department and my call was transferred to them. I was on hold for an hour and a half before I finally hung up. The next day ( this morning ), I called the number they gave my for the Identity Theft Department, and it was not their number ( or anything like it ). I called Truist again and was transferred a couple of times before getting to the Identity Theft department. They claimed they would look into it, but I have no reason to believe that they will or that they will understand the seriousness of this issue this time around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I currently have a Mortgage with Truist Bank, formerly Sun Trust bank, towards which I have made extra Principal payments. The bank does not correctly apply my Principal payments but instead treats them a standard payment, dividing it between Principle, interest and escrow. When I have identified these problems they say the machine can't pickup that the payment form is marked as a Principal payment so it applies the payment as a normal monthly payment regardless of the amount. I've asked to them correct these errors multiple times and to send a listing of my payments so I can see if they applied the payments correctly. The information format they send is a garbled mess and has entries of certain amounts being swapped from they internal accounts supposedly to my account but not for the amounts I've paid. I've asked for a simpler format that shows each of my payments and how it was distributed, but they refuse to do so. I sent in a payment in XXXX that was not correctly applied. I told them about it and they said they would correct it. When I got the XXXX statement, it did not show the correction because the XXXX statement, prepared XX/XX/2022, was before they received my XXXX principle payment. They told me because of the preparation date I would see the adjusted principal payment on the XXXX statement, prepare on XX/XX/2022. The XXXX statement does not show a single Principal payment but shows part of the payment as a negative Payment Adjustment in the Principal category and a second entry described as Unapplied Funds credited to a Fees/Other category. This statement does not show me the full amount of my payment being applied to Principal. Therefore, I have no way of knowing if the Principal payment was credited properly or went into their coffers as interest and escrow or fees. Your help to rectify this situation would be greatly appreciated. And advice of any actions I might take would also be helpful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 791XX
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for an XXXX XXXX of XXXX through my bank ( Suntrust now Truist ) in XXXX. I was told the loan would close in 2 weeks. I originally requested XXXX the bank counter offered {$17000.00} for home improvements. I was approved and in XXXX, however the loan never closed. I can not get any one from the bank to explain the delay of almost 4 months. I have been denied access to anyone in the loan department or any one in underwriting. I believe I have been discriminated against as an XXXX XXXX XXXX. The bank required me to pay off a car loan and credit cards in order to bring down my DTI. I did exactly what was requested, I submitted tax records, check stubs, etc. Still no closing and no one will assist me. I have sent numerous emails, stopped by the bank, I am being refused service. It is clearly discriminatory. My bank contact is listed below : XXXX XXXX XXXX, XXXX, Vice President, Branch Leader II / Truist, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX Mail Code : XXXX Office : XXXX XXXX Other customers are closing loans with in 2 weeks, Please investigate this egregious behavior.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My Suntrust/Truist credit card payments been set up to automatically draft from my Suntrust/Truist checking account since XXXX. I noticed the XX/XX/XXXX payment had not post. I contacted Truist immediately on Monday XX/XX/XXXX. I spoke with a rep she apologized there was a Truist system failure. She reversed the late fees and posted the payment from my checking. She verified future auto payments were not affected beginning XX/XX/XXXX. On XX/XX/XXXX I receya credit alert had taken place on my bureau files indicating a late payment from my truist as well as ovet limit after the representative had told me correcting their system area i am not over the limit. This XXXX point dip in my score is causing me significant harm in the middle my home mortgage purchase and closing. I contacted a credit card department manager XXXX at Truist. She can not reach out to the credit bureau to have this removed nor can she draft a letter stating in the history of my account, for this XX/XX/XXXX payment I have never been late since XXXX or over my limit. She was dismissive and the most deplorable experience since having a relationship with this bank since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34771
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My primary home mortgage is with Truist Bank. I have been a borrower in good standing never been late on my payment for a long time now. Around XX/XX/XXXX I requested to have my escrow removed. I then called to follow up on XX/XX/XXXX and was told by a representative over the phone that my escrow can not be removed due to a negative balance of {$710.00}. I proceeded to pay off this balance right away over the phone, and I see it has been posted on my account. I was assured by the rep that after paying the negative amount, the escrow can be removed. Until today ( XX/XX/XXXX ) my escrow has not been removed and the amount of payment due has not been changed. I called on XX/XX/XXXX, the rep told me they are still processing my request and it should be processed by XX/XX/XXXX. I called on XX/XX/XXXX, and the rep XXXX does not see any notes about the request to remove escrow, puts me on hold several times, and then informs me that " my request will be processed on XX/XX/XXXX ''. Even if the request was not processed yet, the new amount due should be updated due to me paying off the negative balance. Overall, terrible customer service. Each rep provides different information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: SunTrust unlawfully towed my vehicle. SunTrust acknowledged towing by vehicle, without having ownership rights to the vehicle. See their response to complaint # XXXX While they believe they are exempt from damages from the release waiver signed to retrieve vehicle, the tow was unlawful. Moreover, the document they provided from the third party tow company was altered to remove comments made about not attesting to the condition of the vehicle. Fraud can not be used as justification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: As stated in my previous complaint, Truist assumed our mortgage from BB & T. Truist did not correctly apply a past payment of {$1500.00} to the monthly payment due but instead applied that full amount to principal. I discovered this mistake when Truist showed a monthly mortgage payment due ( XX/XX/2022 ) that was not due until XX/XX/2022. I repeatedly attempted to contact Truist to correct their error but they would not respond or return calls until I filed a CFPB complaint. After the complaint I received correspondence from XXXX XXXX [ XXXX XXXX XXXX XXXX XXXX ] stating they had corrected the error and our next mortgage payment was not due until XX/XX/2022. She attached a " Mortgage account statement '' with her letter but unfortunately the bottom portion of the statement ( legal paper size document ) was not copied because she sent a letter size copy which cut off the " coupon '' portion of the statement. I reviewed this statement and discovered almost all of the {$1500.00} payment they supposedly corrected to be a mortgage payment was applied to interest. The mortgage payment due was {$1300.00} of which approximately half should have been principal and half interest ( {$670.00} principal, {$680.00} interest ). I had submitted a payment of {$1500.00} of which at least {$140.00} was to be ADDITIONAL principal, not interest. Truist 's statement dated XX/XX/2022 shows {$1400.00} applied to interest and only {$89.00} applied to principal! On XX/XX/2022 I called the " XXXX XXXX '' telephone number provided in XXXX 's letter and spoke to " XXXX ''. She acknowledged the application of {$1500.00} payment did not appear to be correct. She said she would look into it and call me back. Once again, I have heard nothing from Truist with an acknowledgement, explanation or correction of the error. Apparently filing a CFPB complaint is the only way to get their attention. I wish to file this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 596XX
Submitted Via: Web
Date Sent: 2022-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-31
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: i went to a car dealership and purcase a car in my business name only with my tax ein number i have good business credit the dealer told me that they will not use my social number to buy but four verification only so it was done i got my company car in my company name one month later i check my credit report and had alot of inquiries i did not authorize { 1 } XXXX XXXX { 2 } XXXX XXXX { 3 } truist dealer servic { 4 } XXXX XXXX XXXX { 5 } 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: 30168
Submitted Via: Web
Date Sent: 2022-05-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: " I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX XXXX breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you. "
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A