Date Received: 2022-05-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: CFPB Write up n 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I got a {$370.00} for a card that I do not or have had with either Truist, Suntrust, nor BB & T. They say that I can not dispute the charge. I never authorized this payment and it is not the first time it happens. After I resolve this issue I will go to another bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2022-06-02
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX of 2022, I worked with my mortgage provider ( Suntrust now Truist ) to exit forbearance and begin a loan modification plan where my monthly payment would be reduced and the length of the loan would be extended. This modification plan required me to make 3 months of trial payments which I successfully completed on XX/XX/2022. After not hearing back from Truist, I called them on XX/XX/2022 to find the current status and they said that because I did not also make my normal monthly mortgage payment in addition to the trial payments, I now no longer qualify for the loan modification and need to restart the process of getting a loan deferral. Truist has been extremely difficult to work with during this whole process with a lack of communication and clarity on what I needed to do in order to bring my loan back to current. Every time I talk to their customer service team, I'm told different kinds of information regarding what I need to do and every time it requires me to spend hours of my time on the phone. Truist also will not allow me to make payment online and instead forces me to call them each time I want to make a monthly payment. Truist has been deceptive and undermined every step of this whole process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10036
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hi, I have opened a checking account in Truist Bank at the branch XXXX XXXX XXXX XXXX, XXXX, TX XXXX on XXXX XX/XX/2022. I deposited some amount eg : {$1400.00} Something. I tried to XXXX some amount to my colleague etc, However, I probably put a wrong phone/email and they locked my account. I tried call them as it directed at XXXX, Option -- 2 then option 3 -- then option 1. But they could not unlock my account and confirm the transfer. They told me to wait for letter to come in my home address but it's been 3/4 weeks they haven't send me any letter to unlock account. Therefore, I went to the branch and tried to unlock the account, I gave them my Bank ID, phone number, SSN number, account number, Driver 's license to draw the money and close my account. The teller said they can't unlock my account-she informed someone over the phone so they will email her and then they will call me in 2/3 business days. This is a bad experience with Truist bank. They are holding my money and not doing their job. I had same kind of issues with XXXX XXXX and XXXX XXXX XXXX -- My account got locked and they resolved it over the phone in 2 minutes. For Truist Bank, they are taking 3/4 weeks and still they haven't returned my money and close my account. Can I get help on this issue? Attached one of my Truist bank VOID check. XXXX. Thanks, XXXX XXXX email : XXXX phone : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have a vehicle loan with SunTrust Bank XXXX Now Truist Bank ). I pay extra payments each month and I've noticed that they charge interest charges on every payment. This has been going on for some time now. I went to there branch on XXXX XXXX in XXXX, Ga last month to address the problem and to stop making additional payments by recurring payments and they still haven't corrected the problem. I called their main loan office today and they are still taking additional payments and charging interest, and they were not much help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30815
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XX/XX/XXXX, I flew to the United States to open a personal checking account. I was able to do it at SunTrust Bank ( now Truist Bank ). Everything ran smooth ( all transactions ) during that year until XXXX XXXX. Suddenly in XX/XX/XXXX, out of nowhere Truist Bank blocked my account, also restricted my access to online banking without even explaining what was going on. I called several Truist customer service numbers ( XXXX ) ( XXXX ) and the hold was for hours. Calling those numbers is a real nightmare. I spent 2 months ( XXXX & XXXX ) calling and nobody was able to explain why the bank had inactivated my account. Finally after months of calling, waiting for hours, a service agent told me to call a different number ( XXXX ) Fraud related!. At least the waiting time in this new number was lesser. All the Bank told me was that my account was under investigation and that I had to wait for the investigation to end. Meanwhile I dind't receive any calls, emails explaining the process or at least providing me with a contact person. This month ( XXXX ) I was surprised when I called again, the service representative told me that the Bank closed my account and the Balance today was cero {$0.00}. When the Bank inactivated my account in XX/XX/XXXX, my last balance statement was {$14000.00}
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: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XX/XX/XXXX - I opened a bank account with XXXX under the promotion - " Welcome {$500.00} Checking Offer XXXX XXXX, XXXX XXXX XXXX ''. The account was opened online using the promotion code XXXX, but I was never given the account number or routing number. The page told me the account was successfully created, but that I would receive an email with the account number and routing number. For the days following, I waiting on that email to make the initial deposit, and I never received the account details. XX/XX/XXXX - As I have not gotten the email yet, I have been unable to make the initial deposit. I visited a branch so that they can provide the account information and to make a {$100.00} deposit. The teller attempted to make the deposit, but then told me the account was closed. Reason given " did not make required initial deposit ''. I explained I was unable to do so as I was never given the account information. I was told I could open a new account at that time. I explained I signed up under a promotion, and was told they could apply it to the new account. A new account was created, and the agent said she will apply the promotion XXXX. XX/XX/XXXX - On the same day, I received an email with the following : " Thank you for enrolling in the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Your enrollment is currently being reviewed to verify eligibility. Once we verify eligibility, you will receive an email confirmation within 7 - 10 business days. '' XX/XX/XXXX - I received the following email : " Thank you for your recent enrollment into the Truist Welcome {$500.00} Checking Offer XXXX XXXX. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. '' I have NEVER had an account with BB & T, SunTrust, or Truist prior to the accounts I created above. I called customer support, and they told me that because I had created the first checking account ( the first one that I never received account details for ), that it counts as having a personal checking account with Truist, and therefore, I would not be eligible for the promotion... To summarize, I created an account online, they never provided me the account details, they told me the account was closed because I never made a deposit ( which i couldn't without the account number ), proceeded to tell me to open a new account, then telling me that the new account was not eligible for the promotion because of the first account that they closed. This seems like bait and switch tactics to get people to open new accounts under the assumption that they will get what was offered by the promotion.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/2022 I settled an account with Regional Acceptance third party collection agency XXXX. I spoke to Regional Acceptance to request them to update my credit report showing that the account has been settled. As of today it has been updated that I still owe a balance of XXXX after they agreed to settled for XXXX. I spoke to XXXX in the charge department who ensured me that they will fax me over proof that the descrepancy has been correct. As of today it has not and has caused me not to obtain a professional license. I would like the CFPB to investigate this matter with Regional Acceptance and their third party agency, XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85143
Submitted Via: Web
Date Sent: 2022-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The bank has charged me 4 overdraft fees when my account was never overdrawn. And refuse to give it back because of pending charges that have not gone through. This is the second time we have had this issue with Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-18
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: TRUIST IS HOLDING GAP PRODUCT MONEY XXXX! Dealer sent {$880.00} ( their check number XXXX ) to Truist Bank on XX/XX/2022. As of XX/XX/2022 customer has NOT received their refund due in same amount. After sitting on hold for 94 minutes, Truist is " unaware '' of any refund due. Well, YOU OWE ME the GAP REFUND - PLUS INTEREST for holding it ILLEGALLY - this vehicle, PER YOUR DOCUMENTS was paid in full XX/XX/2022 - that was nearly 60 days ago. And while you are at it, since you have to cut me a check anyways - PAY THE FEES YOU OWE from my last complaint that you replied to the CFPB saying since account was closed you could not refund me. Well. I think you can refund AN ERROR - and NOW PAY A PUNISHMENT for HOLDING MY MONEY XXXX. You are pure evil and you are CROOKS - WHY did the government ever let XXXX conspiring banks Sun ( don't ) Trust and XXXX ( lie ) ist merge? PATHETHIC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75165
Submitted Via: Web
Date Sent: 2022-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A