Date Received: 2022-05-30
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2022 and XX/XX/2022 Truist charged my account {$36.00} in overdraft fees. I contacted Truist to file a complaint, XX/XX/2022 @ XXXX ( EST ), and was told that a manger would be in-touch with me with in a few hours. I was also told that someone from another department would be in contact with me within 48 hours. Neither has happened. Truist banking system will show a postive balance and during the course of the day the positive balance would change to negative balance, causing accounts to be charged overdraft fees. Truist transition has cost consumer many over draft fees, among other issues, part of the reason for the " CLASS ACTION LAWSUIT ' against the institution. I was told my debt cards were mailed XX/XX/2022, and did not receive them until XXXX after having to go and reorder several times. Doing that time my business account was charged overdraft fees. This transition has made consumers suffer, while Truist is pocketing money in varies fees. My contact information. XXXX XXXX, XXXX or XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-05-30
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 have been dealing with BB & T ( Now Truist ) for many months regarding a forbearance and deferment. After being harassed with frequent calls regarding the status of our loan and receiving miss information I filed a complaint against them regarding their handling of our forbearance and deferment paperwork. Currently, I have been trying to cancel our escrow account as I have lost complete trust in Truist 's ability to manage any mortgage or escrow account. Truist has repeatedly shown that they can not handle an account with efficacy and professionalism. I have to wait on hold for hours at times being passed back and forth between departments that each give me different information and are unable to answer simple questions regarding my loan and/or escrow. Today ( XX/XX/XXXX ) I spent 2 hours on the phone with Truist just to simply find out the status of my escrow account. Several weeks ago I submitted a request to cancel my escrow account, I explained that I would be paying the taxes and insurance myself. I was told that the request would take up to 10 days to process and that we'd receive a letter in the mail with information regarding the cancelation. As I have not received anything from Truist to date, I called them today in order to figure out the status of our escrow and what our new payment would be without the escrow ( before filling out a check and mailing the mortgage payment ). I have spoken with three department 's only to have the third department ( Lost Mitigation want to redirect me back to the previous department ). I have no confidence in Truist to be honest, efficient, and/or competent ( with my account or my time ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I purchased some items and a protection planfrom XXXX XX/XX/2022. On XX/XX/XXXX, the order was scheduled to be delivered on that date. My purchase was never delivered and someone had signed off on my signature. I was given a refund receipt implying that the item was delivered with no address marked and singed by " XXXX XXXX ''. Instead of completing my refund, my credit card company, XXXX, and XXXX to explain why or even make any attempts to correct the situation. I spoke with a supervisor, who did nothing to resolve the issue, instead telling me " a dispute will be filed and can take up to 120 days. I have received no calls or anyone trying to reach out to me in this frustrating time while I wait for my money to be deposited back to my account.I have also filed a police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Loan payment wasn't credited to your account
Subissue:
Consumer Complaint: Loan account number : XXXX On Thursday, XX/XX/XXXX. My daughter XXXX and I were in an accident that totaled her XXXX XXXX XXXX XXXX XXXX This accident was do to the other driver not stopping at a stop sign. XXXX ( our insurance company ) processed a check to Suntrust ( which was being bought out by Truist ) on XX/XX/XXXX or XX/XX/XXXX. Suntrust was in the middle of being bought out by Truist. I work in XXXX at a bank, so I am familiar with posting items on a timely basis. On XX/XX/XXXX we contacted XXXX XXXX and had them stop payment on the check sent on XX/XX/XXXX or XXXX and reissue a check to Truist due to looking online and not seeing our car paid off. This 2nd check was sent to this address that was given to XXXX over the phone by a Truist Representative : We had contacted truist on XX/XX/XXXX to see if they had received the check, and they had no information on it. Truist Bank XXXX XXXX XXXX XXXX XXXX, NC XXXX On XX/XX/XXXX, we noticed online that the car was paid off with the 1st check- Why did this transaction take so long to post? We incurred return item fees due to them taking so long to post this check. You can see the fees listed on the XXXX statement that is attached. The XXXX statement also shows that the payoff principal payment was made on XX/XX/XXXX. Why did it take Truist from XX/XX/XXXX to XX/XX/XXXX to post the first check sent to our loan? This timeline is unacceptable to me!! On XX/XX/XXXX, the 2nd check still had not processed through XXXX 's account. We had XXXX send a third check CERTIFIED to : Truist Item Processing Center XXXX XXXX XXXX XXXX, NC XXXX This address is on the statements. Here is the tracking number : XXXX XXXX XXXX XXXX XXXX This tracking number states that this check was delivered and picked up XX/XX/XXXX at XXXXXXXX XXXX. Through all of this, we made XXXX and XXXX payments to them. Our car is still not paid off at this time, XX/XX/XXXX at XXXXXXXX XXXX XXXX stated that they had no account number to send, but they sent a paper remittance that has XXXX 's name and the VIN to the vehicle. XXXX is my daughter and she is the primary signer on the account and I am the co-signer on the loan. I do NOT WANT my XXXX credit score affected by this companies lack of posting items on a timely basis. XXXX and I have now received a late payment notice by email, and we both have received post cards stating our loan is past due. We both received the post card on XX/XX/XXXX. I contacted the phone number on the postcard the evening of the XXXX, and the representative that answered the phone call stated that she would have a manager contact me. It is now XX/XX/XXXX and I have NOT received a phone call from the manager yet. XXXX and I have contacted Truist many times regarding this issue. We even gave one of the representatives the tracking number of the last check sent. I have asked them to waive the fees they have charged us also. I had one rep tell us that they will contact us on a Friday and we did not receive a phone call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I opened a Truist Bright Checking account on XXXX XXXX on XXXX XXXX I mobile deposit a check to my account on XXXX XXXX my account login was locked I Never received a call from the bank at all, I only received a letter stating that my check that I deposited was on hold for 7 days until check clearOk On XXXX XXXX I received a bank statement that shows the Bank received my deposit because the bank received {$87.00} from my deposit from overdraft fees and to this day I still dont have Assess to my account I have called the bank 5 times still no answers from the Bank .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35211
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a victim of fraud on XXXX Someone accessed my Truist bank credit card and took out 2 cash advances without my authorization. Since then I have made various phone calls to Truist fraud division plus many visits to their branches in Florida & Tennessee. I have been given credit for the {$1500.00} cash advance plus fees and interest on my credit card but the other cash Advance of {$1400.00} still remains on my card with a {$50.00} cash advance fee & interest charges monthly. Truist closed out my case and their Fraud division refuses to address this Cash advance problem. My credit card is now ending in last 4 of XXXX but the original card ended in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 385XX
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Some one attempted to deposit a check in my Truist mobile banking from Texas that I dont know anything about I live in XXXX and I didnt authorize any deposit. As of right know the account is closed but the bank is saying that Im responsible for the XXXX negative balance. Ive reported it to the fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I hold a checking account at truist Bank. And I was not receiving my monthly statement as normal. I went to withdraw money from the ATM and noticed a significant error on my account over {$5000.00} was missing from my account the very next day I went into the branch the moment opened and requested a statement that's when I discovered multiple another ice cream directions on my account which I did not authorize nor know about. Totaling in the value of {$5100.00}. Over 3 months worth of operations actions with multiple transactions in small amounts in the one day. The bank did not notify me nor did they put a freeze on my account no one tried to stop this from happening so I reported it to the bank fraud department and in lieu of the recitation they gave me a provisional credit of {$1900.00} not the entire {$5100.00}. Now the bank is telling me that in order for me to uncover the rest of my money I would have to file a police report. However I know for a fact that is in violation of Regulation E.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34744
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-28
Issue: Other service problem
Subissue:
Consumer Complaint: On XX/XX/2022, I sent a {$2500.00} international wire to pay a company in the XXXX, converted into GBP. After hearing from the recipient after multiple inquiries that they never received the funds, I went to a Truist branch in which the bank teller confirmed the {$2500.00} international wire transfer was sent out as XXXX GBP. When I asked them to do a wire trace, I received a reference # but then a banker told me that they could not help me and that I had to call a certain Truist customer support #. I did this multiple times, staying on hold for each time for over 30 minutes, and no one picked up. Terrible customer service! I need this wire trace done and to get back this {$2500.00}, which supposedly this company in the XXXX never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34481
Submitted Via: Web
Date Sent: 2022-05-28
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage bank has not been crediting my VA mortgage payments since 2008. I have been noticing this for some years I just thought that was a process that they did. But now I know something is wrong. they saying I owe {$24000.00}, and it should be {$150000.00}. Plus they have been adding late payments on top. Now {$260000.00}. The Bank was BB & T/ TRUIST. They have been trying to make go into a modification for the {$260000.00} 30 years, that will be like starting over from 2008, with the loss to me of {$160000.00} of payments made towards the loan. If they can credit missed payments why they can`t credit positive payments to the loan. They were in the news years back of federal wrongdoing of loan. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A