Date Received: 2022-05-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Truist has been charging inappropriate fees on my account and when I tried to correct this they told me I would have to drive to a branch. This started last month when I noticed on XX/XX/XXXX last month and XX/XX/XXXX this month, there were charges for {$7.00} and {$13.00} respectively for a withdrawal fee limit. I have gotten more than {$60.00} out of the ATM and have done nothing more than transfer funds between my accounts and pay my mortgages and credit card statements. I called Truist today, XX/XX/XXXX, the representative told me he needed to dispute these charges. I explained this was not fraud and was Truist making these charges. Whole he confirmed they were erroneous, he told me I'd have to go to a branch to reverse them. There are no branches close to me that are open on Saturday. Also, I don't see why as a consumer I should have to take off work and drive to a branch to get {$20.00} in charges reversed when gas in {$4.00} a gallon. I have my mortgage with Truist and a savings account so I am particularly frustrated with not being able to get this handled over the phone. I hope this is just an innocent mistake but I am reaching out because I suspect I am not the only person with these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27603
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: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/2022 Amount Owed : XXXX Truist Bank XXXX I'm having trouble paying my mortgage due to the covid-19. I am also XXXX but I still work XXXX XXXX XXXX XXXX. I do not want to lose my home in Texas Homeowner Assistance Fund Program and they are not returning my phone call. XXXX. I did what I was supposed to do when it was time to apply for the funding in this been 3 months and nothing ( Texas Homeowner Assistance Fund Program-Covid-19-Case:XXXX ). Be safe and Be Blessed, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Issue with Truist Bank and inability to withdraw funds from ATM machine. This issue has been ongoing for two days starting on XXXX/XXXX/2022. I called the customer service and the fraud department and both have indicated they are unaware of any issues with my debit card or their ATM machines. I was told by the fraud department ( XXXX ) on XX/XX/XXXX at XXXX to travel to different locations in hopes of finding a machine that would allow withdrawals. When attempting to withdraw funds the following message is received : Fast Cash - not available & Withdrawal- not available. I have experienced this issue with the locations on XXXX XXXX ( XXXX, GA ) and XXXX XXXX XXXX XXXX XXXX, GA ). Additionally, if I am able to withdraw funds, the ATM machine does not allow for deposits. Again same message, deposits- not available. There is clearly an issue with the ATM machines and no one within the organization has shown any sense of urgency to resolve the issue. Not only the above mention issue, but my debit cards were canceled without advance notification and receipt of my new cards. By far this is the worst merger EVER!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2022-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: NOTICE FOR REQUEST OF CONFIRMATION ( 1 ) OF TERM S AND CONDITIONS OF AGREEMENT And ADEQUATE ASSURANCE OF DUE PERFORMANCE THAT REGIONAL ACCEPTANCE DID NOT BREACH AGREEMENT From : I, hereinafter " Borrower '' To : REGIONAL ACCEPTANCE, hereinafter " Alleged Lender '' Notice to the Principal is Notice to the Agent. Notice to the Agent is Notice to the Principal. I, Borrower, hereby give notice to Alleged Lender for a request of confirmation of terms and conditions of the agreement and adequate assurance of due performance that Alleged Lender did not breach the agreement. Alleged Lender agreed to the following general terms and conditions of the credit card alleged agreement : 1 ) Alleged Lender must use their money or credit as adequate consideration to purchase the agreement from Borrower to repay the loan. 2 ) Alleged Lender involved in the alleged loan did not accept anything of value from Borrower that would be used to fund a check or similar instrument in approximately the amount of the alleged loan. 3 ) Alleged Lender must follow generally accepted accounting principles as required by CPA audit opinions. 4 ) The intent of the agreement is that the party who funded the loan is to be repaid the money. 5 ) All material facts are to be disclosed in the written agreement. 6 ) The cardholder must repay the loan in the same specie of money or credit or thing of value the financial institution involved in the loan used to fund the loan check or similar instrument, thus ending all interest and liens. 7 ) The loan transaction does not create the economics similar to stealing, counterfeiting and swindling. The agreement that I entered into has the above seven elements in it. According to the bookkeeping entries, Alleged Lender breached all seven basic elements of the alleged agreement and then Alleged Lender concealed material facts of the alleged agreement. I am demanding adequate assurance of due performance that the above seven elements are part of the alleged loan agreement or I demand that Alleged Lender return a zero loan balance. The proof that Alleged Lender breached the agreement is that both your assets and liabilities increased, proving that Alleged Lender recorded a loan from Borrower to Alleged Lender and then returned the loaned money from Alleged Lender back to Borrower, falsely claiming the money returned to Borrower is a loan from Alleged Lender to Borrower. Alleged Lender did the opposite of what was advertised and agreed to and then concealed the fact that Alleged Lender accepted money or credit or thing of value from Borrower that funded a check or similar instrument in the amount of the alleged loan. This notice will remain as fact of the elements of the alleged agreement and the breach of Alleged Lender unless Alleged Lender disputes this notice within 10 days. According to 15 USC 1602 only a natural person can extend credit. Banks do not extend credit. " Credit Card '' is defined as a license plate, ID, or social security card account number to extend credit. Signed, Authorized Representative/ XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, my debit card was used 6 times without my authorization. I had my physical card on me. I disputed all 6 charges to the bank, but was only returned 3 of the 6 charges. The bank says the other 3 charges are not fraudulent. I also filed a police report. That theft identity # is XXXX. The charges are listed below : XXXX WA- {$19.00} ( Disputed and returned ) XXXX XXXX XXXX FL- {$100.00} XXXX Disputed and returned ) XXXX XXXX XXXX XXXX XXXX FL- {$9.00} ( Disputed and returned ) XXXX XXXX XXXX XXXX, FL- {$850.00} XXXX Disputed and NOT returned ) XXXX XXXX XXXX XXXX, FL- {$4000.00} XXXX Disputed and NOT returned ) XXXX XXXX XXXX XXXX, FL- {$69.00} XXXX Disputed and NOT returned ) I was at work in XXXX XXXX, KY on this day, and also used used my physical debt card at XXXX in XXXX XXXX this day. There is not even a way for me to be in both of these places the same day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In early XXXX we started the process of getting quotes for a cash out refinance on our house. We never really got started because that loan officer stopped responding. I believe I was told that she wasnt working there anymore. I called and sent multiple emails to Truist employees until I finally reached someone that was able to reassign to our application. On XX/XX/XXXX XXXX XXXX became our Loan Officer, and we started the refinance process of ( Mortgage # XXXX ) ( Loan Application Number : XXXX ). XXXX requested we fill multiple documents and provide multiple types of information. We provided everything XXXX requested. On XX/XX/XXXX we received the Loan Disclosures documents. On XX/XX/XXXX we signed the Loan Disclosures documents and accepted a locked in rate that expires on XX/XX/XXXX. The same day we signed we emailed XXXX to update him. We told him to please move forward with application and to let us know what the next steps were and if he needed anything else from us. XXXX didnt reply so we sent him another email on XX/XX/XXXX. XXXX never responded. I spent multiple hours on the phone and emailed pertinent email from truist that I saw online to have someone give us some answers. An employee provided me the email of XXXX supervisor, XXXX XXXX. On XX/XX/XXXX we emailed XXXX XXXX but he also never responded. On XX/XX/XXXX we found the email of XXXX XXXX, Vice President, Correspondent Lending. Non-Delegated Inside Sales Manager / Truist. XXXX provided us the contact of XXXX. On XX/XX/XXXXXXXX XXXX send us and XXXX XXXX and XXXX stating he left us a VM. The VM said to call him, which we did, and left him a VM. On XX/XX/XXXX we replied XXXX email to us and said that its better to communicate via email since we were playing phone tag. XXXX replied to our email stating that he never received our tax returns so he had to withdraw application for being incomplete and we would need to start a new application with a new interest rate. But he never requested our tax returns. We provided all information he had requested. Including other tax documents and a signed document consenting them to use our tax returns. We emailed XXXX and XXXX stating that they should honor the signed Loan Disclosures documents and locked in rate since the oversight was not on our end. They never responded. We emailed them multiple times after that. We told them that we would inform the Consumer Financial Protection Bureau and Consumer Protection division GA. Also told them that we are willing to go to arbitration because there's too much money involved for us if we get a new rate. They never responded. We need help to have Truist honor the signed Loan Disclosures documents and locked in rate. ( We have all documents and emails but they have sensitive information so please let us know directly which documents you would like )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a Truist Bank money market acct. with over {$24000.00} balance. I authorized my XXXX bill of {$11000.00} to be paid in full from that account. My XXXX acct. balance showed the payment ; on the next line up was an item I did not recognize. It was {$5700.00} " pending '' for an entity called " XXXX XXXX '' ( " XXXX '' ). The " pending '' amount is exactly XXXX the amount of my previous PAID balance. I XXXX XXXXXXXX XXXX found innumerable complaints about this practice. I saw posters who had issues with Suntrust ( a predecessor bank to Truist ), Truist itself, and XXXX itself. There was talk of a class action to challenge this practice. When I called Truist to inquire as to what they were doing I found out that, because my XXXX payment was processed on a Sunday, they withheld 1/2 of the amount of the XXXX payment for a few days while it " cleared ''. I had never heard of this practice before ; it may have begun when Truist bank took over. I did not understand because : 1 ) the bank had already processed the payment, 2 ) the funds from which the payment was processed are IN that bank, and 3 ) the credit card itself is a BB & T ( another predecessor to Truist ) product. More troubling was the information that, during the so-called " pendency '' of this phantom item, the funds ( in my case nearly {$6000.00} of MY OWN MONEY ) is neither available to me nor earning any interest. Is it legally allowable and acceptable for the bank to put a mysterious hold on its customers ' funds, to prevent the customers from accessing those funds, and to fail to pay the interest it is obliged to pay on a money market fund?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21093
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2022, I was informed by Truist Bank that my account had been locked. On XX/XX/2022, I went into a physical branch to try and resolve the issue ; they let someone from XXXX Truist know to unlock my account, however, it has been 3 days and I have received no communication. On XX/XX/2022, I attempt to retrieve my funds from my currently locked account, but there is nothing that can be done. Currently, I have funds in Truist, and there is no possible way for me to access them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2022-05-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-13
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Truist bank ( bbt mortgage ) We refinanced our home loan in XX/XX/XXXX and Truist bank has not paid us our escrow money {$1100.00}. My understanding is that the bank that they are the loan service company for XXXX XXXX XXXX Bank ) told us that Truist bank has 30 days to refund us our escrow and that we should contact you to file a complaint. We have contacted them twice a month since startting in XX/XX/XXXX to find out the status and have been given the run around. Truist Banks number is XXXX XXXX please advise. Our account number with them was # XXXX Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-06
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My mother added me to her bank account as convenience, because she had a XXXX and was XXXX. She also has XXXX XXXX XXXX. I did not put a dollar in her account and I don't spend from her account unless I'm doing something for her. However, Truist has placed a levy/garnishment for child support that I don't owe. Moreover I was NOT served with the garnishment notification from Truist. I received a call from my mother on XX/XX/XXXX stating she received some paperwork from Truist " with all your personal information including your social security number, and your child support account number. '' I belive the letter was dated XX/XX/XXXX but mother didn't receive it until XX/XX/XXXX. My mother lives in Florida and I live in Georgia. I didn't receive any communication from Truist. I would not have known if mother didn't tell me. I called Truist to find out why my mother 's account was garnished and I was told to call the child support office. I asked why I didn't receive anything from Truist about the garnishment, again I was told to call the child support office. I asked why my private information, including documents from the court, and my social were sent to my mother instead of me but I was told to call the child support office to find out. Truist has essentially refused to give me any information about what happened. My mother didn't know my social security number and she didn't know my child support account information. In fact I asked my wife to call the child support office in the past, and they wouldn't provide any information without my consent. What makes it worse, is that Truist pays my child support from another checking account with my wife. So if I owe {$690.00}, it means Truist hasn't been paying the money that they remove monthly. My wife paid it via bill pay, and Truist sends a check to the child support office each month. To conclude, Truist has violated my privacy by sending my private information to my mother instead of me. Truist is refusing to answer valid questions, and Truist did not notify me of the garnishment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2022-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A