Date Received: 2022-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: on XX/XX/XXXX XXXX I made a purchase with XXXX XXXX apartments one for XXXX and another for XXXX. However, I was denied the apartment and was due to receive my security deposit back. XXXX apartments was giving me the run around about my refund, so I decided to dispute the payment. After a long haul they finally gave me a check for my money, so I called my bank and canceled the dispute, during the dispute my account was never credited the money. On XXXX XXXX my bank Suntrust now Truist sent me an email stating that the claim case numberXXXX was closed being that I wish to no longer dispute it. Again, I was never credited during this time, which made it a smooth case close. However, I receive a court document stating that XXXX apartments was suing me because the XXXX was taken from there account. Am confused because I was never credited the money and the case was close. When they lawyer sent me their bill of particulars it was an email sent from XXXX on XXXX XXXX stating that the money would be taken from there account because of the dispute. However, according to my bank letter the case was closed on XXXX XXXX. My bank has already confirmed XXXX times that I did not receive a credit. Now my problem is the judge wants to know where the XXXX taken from there account went. I think these people are lying but I need you guys to investigate this, or everybody including all banks will have to be subpoenaed to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23227
Submitted Via: Web
Date Sent: 2022-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: Someone have opened an account with my social and I have no idea who because I never opened me an account with no one before I just turned XXXX so theres no way I did it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28150
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: See attached checks and letter My Email is wrong it should be XXXX XXXX I tried to change it but it wouldnt let me go to edit it so please make a note of this thank you so much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33917
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist created seperate loan payment account on my HELOC after transferring from Suntrust. They began applying payments improperly not subtracting from the interest bearing account. I called to have them apply payment correctly and they made it worse. I then paid off the balance, more than owed, creating a negative balance of {$400.00} in repayment account and a total negative balance of over {$200.00}. I called to have it corrected and account closed. After a month, they just removed the {$400.00} again leaving the account with a loan balance of {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had unauthorized charges on my checking account from random strangers I didnt know that hacked into my account and sent XXXX payments to themselves. The totals equal {$7900.00}. I am working with truest bank in an investigation and Im hoping they will restore all the money to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28210
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: To whom it may concern : I am writing to inform you that I requested a chargeback from Trusit Bank, from a XXXX XXXX. For a XXXX XXXX by the name of XXXX, it's a SCAM!! The merchant inaccurately described the merchandise or services, either in a written description or in a verbal agreement. The merchant advertises on XXXX as if they are selling you a XXXX XXXX bot, when in fact they are selling you a XXXX XXXX program. This XXXX XXXX is a scam. They are false advertising!! I was under the impression that I was buying a XXXX, when in fact I paid for a program that teaches you how to use a XXXX on a system that is not their Own! They never not once disclose that they were only a training program. I would not have purchased this program had I know this in the very beginning. This XXXX XXXX is not transparent at all, he is a marking scam artist. I want this {$1400.00} Robot I paid for or my money back!!! SCAM!!!! Obviously, theres a problem that needs to be addressed if this merchant is regularly providing merchandise or services that dont match the description. They advertise very strategically to lure you in to get your money. Then they make it very difficult for you to get your money back. I sent an email to them, requesting a refund. No refund was given. There refund policy is shady as well, with a hidden clause. They make everything sound so good. 30 days money back guaranteed, but you must prove that you could not use the system. Just one big advertainment scam!! Before they allow you to access any information on the platform, you have to sign an NDA agreement. Once you sign that agreement no refund, but there is know way for you to know what you purchased unless you sign the NDA. that's how they trap you and make receiving a refund impossible. Upon access to this information, I immediately realized I was Scammed!!! They do disclose that you will have to pay some additional money for software updates, but that additional money is actually for robots on another platform that they are affiliate marketers for. This program is nothing at all like advertise. They make you sign this sketchy contract with so many loopholes, but you don't realize what you have gotten yourself into until the damage is done. I want my money back!!! This whole program is a scam and very misleading!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX ran my credit without permission, I have written consent from the dealership stating they should not have run my credit and did not have authorization to do so. Regional acceptance corp is denying the request to take it off my credit even though I have shown proof they need to delete this inquiry. They are committing fraud at this point and need to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76112
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I was talked into getting a Truist Bank home equity loan By my branch. I took the loan with the understanding that according to my loan originator XXXX XXXX, Who gave me all of the options and I chose to have a fixed rate for 15 to 30 years at 7.54 % that was supposed to be for the full loan. I went ahead and started using some of the money or some of the loan and everything was fine until I did my sixth amount then they changed it to variable. Truist said I could only use it 5 times. When I requested to the my branch to fix it they said they would add the last two together which would go back to five and then they would change it back to fixed once that was done. The main branch or the corporate office changed it back over from variable to fixed and then they raised my interest rate to 10. 02 %. I have been trying for a month to get this fixed back to the correct interest amount and the corporate office says they are allowed to raise the interest whenever they felt like it, to the interest level of the government even though my contract says fixed at 7.54 %. They told me today that the branch manager is the only one that could change it back to the 7. 54 %, however the branch manager XXXX XXXX will not return my phone calls will not speak to me and even will not talk to the branch itself when shes not there and will not do anything to help me and this is been going on for a full month Im sick of dealing with them and they need to fix what they screwed up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Other transaction problem
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Email : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/2022 Dear Vice President XXXX Re : Failed XXXX Money Transfer I write with reference to the above subject matter and wish to inform you ( after several attempts in my representation to your office ) that I am yet to receive a refund of the sum of ( {$860.00} ) XXXX XXXX and XXXX dollars and XXXX XXXX that was to have been transferred by your XXXX department XXXX XXXX XXXX XXXX XX/XX/2022, on my behalf. On XX/XX/2022, I submitted a claim through your good offices for a refund of the said amount that was said to have been transferred to the wrong recipient through a wrong email address apparently found on your record for XXXX XXXX. And this has been the claim of your bank that the money was sent through an email, therefore, it wasnt the organizations fault. Notwithstanding, the bank promised to institute an investigation. Now, to start with, this was not the first time I had transferred money via XXXX through your bank. It is on record, that before the bank became known as TRUIST, all the XXXX transfers that were done through the then SUNTRUST Bank, including those to XXXX XXXX, were done through the recipients telephone numbers and never through their email addresses. Secondly, suffice it to say, that if the money was sent through the wrong email address, and it did not return ( so-called XXXX email ), then it means some real person living in the United States and precisely in XXXX may have received the said amount of {$860.00}. So why has the bank ( in a manner of DISCRIMINATING AGAINST me, being a defenseless consumer ) decided to carelessly close the so-called investigation without trancing who had received the said amount and then refund my money? And in my last telephone conversation with one of your staff, yesterday, XX/XX/2022, representing your fraud department, she was asking me whether I issued a check for the same amount to the same recipient- XXXX XXXX who was supposed to have received the XXXX money transfer payment since XX/XX/2022, implying that as a result of that, your bank had considered the investigation closed without refunding my money to my account? What callousness? However, I got her to understand that I had been under pressure from XXXX XXXX for his money. Therefore, I had to issue a check to honor his payment. And that I even wrote on the face of the check in lieu of the missing XXXX payment so that the bank will know that the payment made by XXXX was yet to be refunded to me. In conclusion, I have taken my time to write to you as the representative of the Bank at my local branch and to copy the Consumer Financial Protection Bureau ( CFPB ) for urgent redress of this matter. I look forward to hearing from you as soon as possible. Thank you. Sincerely, XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20770
Submitted Via: Web
Date Sent: 2022-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On or about Tuesday, XX/XX/XXXX, I went into my local office of Truist Bank, XXXX XXXX XXXX, located at XXXX XXXX XXXX XXXX to close my safety deposit box so as not to incur the annual fee for the coming 12 month period. I advised the teller at the window that I had lost my safe deposit keys and realized that I would be charged a fee for having to have them replaced. I was told by that same teller that there was no one available to assist me at that time and she proceeded to write my name and phone number down and told me someone would call me back. I never received that phone call. When I received the alert that my checking account had been charged a {$70.00} fee for the safety deposit box on XX/XX/XXXX I went back to my local branch on or about XX/XX/XXXX and spoke with a banker or branch manager named XXXX and he apologized for no one calling me back. I explained to him that though I had been paying for the box since XXXX I had never used it and the box was empty. I advised him I had been looking for the keys for over a year and since the fee was going up from {$55.00} to {$70.00} I decided that I would just give up and close it. He explained that they could not close the safe deposit box and remove it from my customer service record without actually drilling it open in my presence and confirming it was empty. We agreed and I prepaid for the cost of drilling and rekeying the box that day but he stated that he could not tell me exactly when someone would be there to do that and he would call me. XXXX NEVER made that call. On or about XX/XX/XXXX I called XXXX about when I should come in to close out the box and he advised me that I had missed my appointment and said that he would see when their technician/locksmith would next be available. On or about XX/XX/XXXX XXXX called me and said that I should be available on Friday XX/XX/XXXX but he could not tell me what time. I called XXXX on XX/XX/XXXX and he still could not tell me what time. On XX/XX/XXXX I called him at XXXX am and again was told it would be some time that day XXXX call back at XXXX am to tell me the locksmith was there. I arrived at the bank at XXXX am to wait for the box to be opened in my presence. It was while waiting that XXXX had me sign the entrance log and we confirmed that I had not opened that box since the day I originally took possession of the keys in XXXX. After confirming that the box was empty I asked for confirmation that I would receive a refund of the fee, {$70.00}. XXXX stated he was not sure and that he actually did not know how to request such a refund. After about an hour of XXXX calling his help desk, he advised me that I would only be receiving a prorated refund of {$52.00} and I advised him that that was unacceptable. During this hour of watching him struggle to access and use his company computer system, he evidently became frustrated more than I was because he began to berate me about wearing a mask for covid. XXXX bragged about having XXXX XXXX XXXX and that he would never wear a mask because XXXX XXXX was part of the XXXX XXXX. Naturally, my discomfort level rose and I do not wish to have to go back to that office, thus I am filing a complaint in the hope of getting a full refund which I think I am entitled to. I called the customer service center on XX/XX/XXXX to check and see if my prorated refund had been processed and they did not show it pending on my account. They could see that the safe deposit box had been removed from my records but there was no indication as to when that happened. On XX/XX/XXXX when I was at the branch, part of the hour or so spent there was waiting for the XXXX, XXXX, to process the refund and that is how he quoted me a prorated amount. His frustration came from his not having access to a computer system he said was named " BLUE '' and he had to call and have a password created before he could attempt to give me credit for the fee. I should not be penalized for Truist Banks ' lack of staffing, poor training, and employee biases. I have been a customer of Truist since XXXX although my account was opened when this Branch was part of XXXX XXXX and was bought by BB & T and now Truist.
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: 2022-05-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A