Date Received: 2022-05-16
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I called to in to Regional Acceptance Corp after I logged on to the app to see if I could do it myself. I am trying to refinance my auto and they want a copy of the title, front and back. The representative went through all my info, verifying everything and finally told me that they would not be able to provide me with that as I am over 30 days behind and simply wanted me to make a payment. I explained I was refinancing and didn't plan to make that payment. He told me he could send the request up and management would deny until I made a payment. I asked to be transferred to that XXXX as I wanted him to confirm that Regional Acceptance is refusing to send me a copy of my title until I made a payment as I thought that was illegal. He transferred me to another department who confirmed I am 10 days past due, not XXXX and that he couldn't get me that document copy but he could transfer me back to customer service ( he was collections ) and they could send me the document I was requesting. Call initiated at XXXX XXXX. I'm still on hold, however, they have employees who lie about providing documents and use unscrupulous collection methods. Now the new customer service rep is saying they will not provide me with a copy of the title, but with the title application that is 3-4 years old and not what I need. I've even told them I'm filing a complaint with the CFPB because of this, they say they don't have it. How can they release it when I pay it off if they do not have it??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for credit 2 times one which was XX/XX/XXXX and XX/XX/XXXX and was denied credit on both applications which is very fraudulent and aggravated identity theft. I didnt fill out a loan application according to 12USC 1431 banks do not lend money. I am a natural person the creditor and the applicant I went to this corporation to get access of my trust account and XXXX was suppose to act like the trustee instead they just stole my money denying me for my own credit when the inquiry shows that the consumer credit transaction was finalized! I didnt receive any benefit from any of the two transactions when I am the beneficiary! I provided my credit card my trust account to get access funds through this third party and was robbed off of my own credit. Not only was I robbed of my own credit but this company decided to report information ( the inquiry ) to credit reporting agencies without my written consent! Also gave me an adverse letter stating reasons for my denial when I can not be denied my own credit! And also the reasons showed me that they researched my credit ( social ) to obtain information out about me without my written consent! This is aggravated identity and very fraudulent! I emailed the corporation stating what happened and they have the nerve to tell me that non funds were disturbed nor an account was debited which is a major lie! To just tell me the beneficiary that I am denied access to my own credit after I gave my credit information which then the corporation withdrew money from is FRAUDULENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10458
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I bank with XXXX. I use bill pay to pay my mortgage. XXXX 's bill pay company is XXXX XXXX My mortgage company was XXXX. They recently merged with another company and my mortgage payments go Truist Bank now. When i changed my bill pay information over to Truist I entered my account number incorrectly, I had one number wrong. My XXXX first mortgage payment of XXXX dollars was deducted from my account and sent to Truist. XX/XX/XXXX i received a call from Truist telling me they hadn't received my payment. I called XXXX the next morning and got the check number and confirmation number of the check. XX/XX/XXXX i called Truist and gave them the information. I heard nothing until the XXXX of XXXX when i received another call from Truist that said then never received the payment. Since then i called Truist six more times. XXXX XXXX times and XXXX four times. And still have not received my XXXX dollars. The last conservation i had from Truist on XX/XX/XXXX with XXXX. She told me they received the payment from XXXX on XXXX. But the account number didn't exist. So on XXXX they sent a check # XXXX payable to XXXX in the amount of XXXX. The check was processed by XXXX and credited to a XXXX XXXX bank account # XXXX. Not my bank account. I called XXXX and they said they have no record of that. I spent ten hours on the phone trying to get this resolved and still haven't got my money back.I have dates and time of my conversations and with whom i talked if you need this information. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On or about XX/XX/2021, we sold our home in XXXX, Georgia. I am an XXXX XXXX XXXX XXXX Veteran, so my family has moved around a lot in the past. We moved from XXXX, Georgia, to XXXX, Georgia while I was on XXXX XXXX, but kept and rented out our home in XXXX. Once I got off XXXX XXXX, my family and I moved to XXXX, Ohio and sold our house in XXXX. We never received the escrow money from our mortgage company, Suntrust from the home we sold in XXXX. I did not realize this until we filed taxes this past year and we needed to get a copy of our XXXX. We learned that Suntrust had been bought by Truist, so we called them multiple times to try and get a copy of our XXXX, and I asked them to see if the check from our escrow was cashed. They said they would submit an investigation request on our about XX/XX/XXXX, and that it would be done on or about XX/XX/XXXX. They said they mailed our XXXX on XX/XX/XXXX. We never received our XXXX, and I called back on or about XX/XX/XXXX to ask for an update on the escrow money. They said that the investigation was complete, and we would get a check for about {$2300.00} in the mail. A few more weeks go by and then on or about XX/XX/XXXX, my husband called Truist again, and they said that they had cut and sent a check on XX/XX/XXXX. As of today, XX/XX/XXXX, the check has still not arrived and we are moving again this coming Wednesday. Every time we call, they say there are delays with the mail, but we never received the XXXX and they have told us at least once before the reason we havent got what we requested was because of processing errors. My husband just finished XXXX XXXX and I am in XXXX XXXX We have two day care aged children. {$2300.00} should not mean anything to Truist, but for our family, thats an entire month of daycare tuition. The address I included on this complaint is the address well be moving this Wednesday. The address we gave Truist multiple times is XXXX XXXX XXXX, XXXX, OH XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I lost my job after being hit by a car XX/XX/2022. I am not eligible for short term disability or unemployment and Im living in a hotel. I had to set up a payment plan for a credit card and they debit my account twice a month and I never know when it will come out. On the XXXX of XXXX my account was debited the {$88.00} and on that same day I deposited {$700.00} cash after pawning all my jewelry. They still charged me the NSF fee. When the bank was Bb & t they would never have charged me now that my bank changed to Truist they charge every penny they can get out of me. They are awful. They caused me to get two credit cards closed during their merger and ruined my credit and Im trying to rent an apartment. I am stuck in a hotel and every penny I have is very important to me with no job no money coming in no unemployment. My job just fired me after I tried to file for short term disability after a car hit me while walking my dog XXXX XXXX XXXX XXXX XXXX XXXX these people are inhumane.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28031
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of XXXX I set up a mortgage loan with XXXXXXXX XXXX XXXX XXXXXXXX who sub serviced my loan with XXXX XXXX XXXX ( Loan Servicer ). From its origination, I arranged with XXXX XXXX for automatic payments to be made for my loan via ACH with my XXXX XXXX XXXX XXXX Account. Such payments were pulled diligently and on time automatically by way of my account number and routing number up until XXXX of XXXX when unexpectedly my loan was transferred from XXXX XXXX to Suntrust Bank now Truist. In the process of my loan being transferred, Truist failed to 1. update my account information so that those automatic payments would continue and 2. properly notify me of such changes. The only notice I got was a letter in the mail. No phone calls or emails. This is important to note because from 2 weeks before the transfer of my loan up until XX/XX/XXXX I was out of town. Not to mention the letter mailed to my address was accidentally taken inside of another unit on my property from a renter of mine ( in which I have written account from her stating there was no way for me to have known of this change because she accidentally had withheld my mail from my time of leaving town XX/XX/XXXX until XXXX ). This transfer of my loan along with Truist 's failure to update my account and properly notify me led to me missing a mortgage payment. However, even then the only notice they gave to me regarding a delinquent payment was by mail again. No phone call or email. Keep in mind I'm out of town from XX/XX/XXXX until XXXX for work in another state. And these notices too were mixed up in my renter 's mail and only found inside her unit when I arrived back home and did a random inspection of her unit on my property. It's extremely frustrating too because it's not like I didn't have sufficient funds in my account at the time of the missed payment. In fact, I have proof of funds and a bank statement dating from the same time in which such payment was missed and I had over {$20000.00} in my account when the missed payment was for {$1500.00} As a result of all of this, there is currently a 90-day delinquency on my credit which was reported by Truist. I have tried now 2 times to dispute this with them and they will not acknowledge their failures or update my credit given the circumstances of me not being properly notified and also having sufficient funds at the time of delinquency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84010
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I recently discovered an account was opened under my name to open a new credit card with truist bank. I contacted the bank they were extremely unhelpful avocational. I then entered a dispute with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2022-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Some one named XXXX XXXX used my email address and social to open a new account with Truist. Probably trying to collect unemployment. This is the fourth different bank this perp has used to try and open with my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am an employee and mortgage loan originator for Truist. Truist incorrectly denied a client 's loan for excessive debt to income, then after realizing the error attempted to defraud the customer of their original locked pricing. Underwriting issued a Notice of Intent for missing IRS documentation, which expired on XX/XX/XXXX. Our client provided all the necessary documentation on XX/XX/XXXX, however, UW hastily declined the file for excessive DTI, due to threat of violating ECOA ( approval or denial in 30 days ). My complaint is the response from my manager, once it was established UW made a mistake. My manager reviewed the XXXX income calculator data which showed the client 's income was {$260000.00} a month instead of {$60000.00}. DTI was/is 7 %, not 300+ %, as UW incorrectly calculated ( using the same data the client previously provided and uploaded to the file prior to the declination ). My manager understood Truist made a mistake, but suggested I " see what pricing the client would accept '' because " he's a rich white guy '' The client 's original pricing was a 90 day lock for 3.575 % with 0.584 points, good through XX/XX/XXXX ( loan # XXXX ). However, " due to company policy '' we couldn't transfer the prior pricing to the new file... instead, I would have to request a pricing subsidy and relinquish half my pay, also " due to company policy ''. Due to the drastic change in market, current market pricing for this client is now XXXX XXXXXXXX points. Using my allowable subsidy of XXXX, final points would be XXXX ... for a loan amount of {$960000.00} equates to {$57000.00} points charge. Our client provided all documentation prior to the NOI expiration, therefore Truist should honor his original locked pricing. Period. Instead of doing the right thing, my manager chose to first try intimidation ... which didn't work on me... then to pass blame ... then to see what I could negotiate with our client. This type of behavior is deplorable and inexcusable. My conscious, character, and integrity are not for sale... regardless of brand or compensation. Truist needs to do what is right and honor the original locked pricing for our customer. Timeline Of Events : Week of XXXX XXXX : Thursday XX/XX/XXXX client provided requested IRS items XXXX documents uploaded to Empower ; Friday XX/XX/XXXX XXXX issues declination. Week of XXXX XXXX : Wednesday XX/XX/XXXX requested income analysis with my manager ; scheduled Friday XX/XX/XXXX at XXXX. Week of XXXX XXXX : Monday XX/XX/XXXX emailed completed MGIC income worksheet to my manager for review, he approved, but said under no circumstances reapply until filed IRS extensions were received ( required after XX/XX/XXXX ) ; Wednesday XX/XX/XXXX requested client provide all filed IRS extensions XXXX Week of XXXX XXXX : Friday XX/XX/XXXX received all client 's filed IRS extensions from CPA, created a new application ( loan # XXXX ). Week of XXXX XXXX : Monday XX/XX/XXXX discussed offsheet pricing with lock desk manager, per her instruction emailed formal request to capital markets manager ; Tuesday XX/XX/XXXX lock desk manager updated Empower with requested pricing and emailed me the Subsidy Exception Request Form to complete ; Wednesday XX/XX/XXXX Subsidy Exception Request submitted to District Sales Manager for review and copied my manager, my manager replied " Org structure please '' and " Can you provide a time for us to chat tomorrow '' ; Thursday XX/XX/XXXX XXXX telephone appointment with my manager lasting 1 hour and 37 minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75013
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern. In XXXX of 2021, I found myself unable to log in to my Suntrust account, the branches were closed and there was nobody answering my calls. I was unable to manage my account and unable to prevent a miniscule automated charge from hitting my " STRICTLY NO OVERDRAW '' account. That made me feel sick, so I immediately switched my direct deposit to a different bank until this could be resolved and they have never been willing to resolve it. Meanwhile they sponsor the XXXX? I have spend countless hours trying to communicate with them and spent about a day 's worth of time waiting on hold for them. Their branch manager told me in person after I was unable to find a resolution through other avenues, to forget about it and they will probably wipe out the negative balance and close the account, because of what happened to me... LOL, I guess they just bullshitted me to my face or lied? I reported them here months ago and received a letter yesterday that was just another attempt to make me pay for the heinous headaches their failures as a bank caused me. They have been insulting to me, belittling, and deceptive. They are trying to position themselves to put the shame of their failure onto my name unless I pay for their mistakes. Any charges that occurred on that account after XXXX were not even under my control, they screwed up my account access and I didn't have time to wait on hold with them, I don't even have time now, and you don't have time... Almost seems like I was privately targeted by somebody within their company. I honestly think this was just somebody in their company who didn't like me that was trying to mess with my life and didn't care about losing me as a customer. I have had to deal with customer service agents who did not have adequate comprehension of the English language and they have failed to even address me properly after I have tried to be as personable and relatable to them as I can be. They are truly strangers, make me feel like they are some kind of domestically subversive financers of societal denigration. They should be a bank for people with 6 figures only, they simply have 0 respect for accounts that do not have large stagnant balance for them to profit on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A