Date Received: 2024-01-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XX/XX/XXXX - and before this date : Working Truist/BB & T Mortgage to get a modification and mortgage assistance. This is the 3 rd compliant with the CFPB and requesting assistance from your agency for a margin to assist with Truist Mortgage. I have asked you for assistance, but you continue to let them send me letters and tell me that there is no assistance. There is always assistance when it comes to homeowners and theyre not really trying to assist me. They just want to take my home so I need assistance and this workaround there is no way that, you can tell me that some liens that are not even part of my home, or the attached to a business from the IRS will prevent me from modification when in the past, I have had another property assisted with a modification and didnt hear anything about the lanes and its the same kind of loan so its just mortgage company that does not want to assist and help me. They just want to do a short sale.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I received a letter from Truist bank on XX/XX/XXXX indicating that a possible fraudulent account was opened using some of my information with an ID theft affidavit. I checked my credit report and found that Truist on my credit report with {$24000.00} taken on the account. I completed the affidavit and mailed it back to them via certified mail- USPS tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I attempted to call the contact on the letter from Truist Bank, XXXX XXXX, XXXX XXXX XXXX XXXX on XXXX occasions, leaving a voicemail ; but I have not received any call back in XXXX weeks. They will not supply me with any information on the account, including the account number. I filed a police report and submitted this information with Truist Bank. Truist Bank is not communicating with me on this case. I was in the process of purchasing a home and this has prevented us from being able to. It is negativly impacting my credit and Truist Bank allowed this to happen and is not assisting me. I feel Truist Bank is violating the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95405
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX account Regional Acceptance CorpXXXX has violated my rights. 15 USC 1681 Section 602 States I have a right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Dear truist, I hope this letter finds you well. I am writing to express my frustration and dissatisfaction with the handling of a dispute I filed concerning a recent transaction. On XX/XX/23, I initiated a dispute with your bank regarding a purchase I made. I clearly communicated that I did not receive the item as described, and it was missing essential parts. To my dismay, it appears my concerns fell on deaf ears, as I received a letter advising me to wait until the package arrives before disputing the transaction. In an attempt to rectify the situation, I promptly called your customer service line to clarify that I had indeed received the package but that it did not contain the expected contents. During this call, I spoke with a lady from XXXX who acknowledged the mistake made by her colleague and assured me that she would take care of the issue. Regrettably, despite her assurances, no action has been taken to address the missing parts, and the matter remains unresolved. This has led to significant inconvenience and frustration on my part, as I am left with an incomplete item that does not serve its intended purpose. I understand that mistakes can happen, but the lack of follow-through and resolution after acknowledging the error is disheartening. I am exhausted from going round and round in this process without a tangible solution. I implore you to expedite the resolution of this matter and ensure that the missing parts are shipped to me at the earliest convenience. I believe a prompt and effective resolution is crucial in maintaining the trust and satisfaction of your customers. If necessary, I am prepared to escalate this matter further, including seeking assistance from relevant regulatory bodies. However, I sincerely hope it does not come to that and that your bank can swiftly address and rectify this situation. I appreciate your immediate attention to this matter and look forward to a resolution. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Purchased car 2 to 3 years ago at XXXX XXXX XXXX XXXX within a year of having the car I tried to trade it in for something else multiple dealerships. Tell me there is something wrong with the title that it is salvaged or total loss. I have gotten a XXXX report and it states structural damage, upon contacting regional acceptance, they further investigated and suspect title may be washed. But have taken no further action car is due to be repossessed, if legal action not taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78221
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I filed a complaint in XXXX about misreporting to my credit. I have never been late. Truist simply copy and pasted their complaint findings from the prior complaint and never addressed the fact that I have a 30 day late for XXXX. They also didn't address that I discussed this with an agent in XXXX and that agent from their company stated that the 30 day late would be removed. It is still on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84015
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: When Truist bought out BB & T I closed out the BB & T & called Truist. I explained I did not want to continue with Truist. I cut up the card and considered the matter closed. Truist called me sometimes twice a day trying to regain my business.I made calls & posting asking if anyone knew how to stop them but to no avail. Always, without exception, I pay my credit cards in full monthly. I have lived on Social Security since retiring and this am I went to my credit union. I asked them to please print out all I have paid monthly, called Truist, gave them the amounts and dates but Truist is not accepting my facts. I am told I can not close out the account until balance is paid. Total of XXXX plus.Soon to be XXXX. Then I asked to be transferred to the dept to get the final balance so I can get rid of this. I don't owe this but am XXXX and completely defeated by this action.Also the people I spoke with demanded my full social security number. I gave it but I thought that was wrong..* aAlso I do not know the account number except either XXXX or XXXX. I do not know the mailing address or email or anything. I called & cancelled BBT and cut the card up. I dont know what to do next. I was put on hold until my battery only had small time left so I hung up. Then I decided to write to youXXXX XXXX XXXX XXXX XXXX and always prided my self on managing my affairs. But this has me stumped. Any advice you can offer will be greatly appreciated. I cant close the account so naturally the interest keeps growing, please advise. Thank you so much, 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: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a business checking account with Truist bank in XX/XX/. I opened the account here because of the current promotions that the company was offering. If I opened a business checking account and deposited {$1500.00} within the first 60 days I qualified for a {$400.00} promotional credit. Additionally, if I got approved for a business credit card within 60 days I qualified for an additional {$300.00} promotional credit. I opened my account in a physical branch with the branch manager, XXXX XXXX. She validated the current promotions being offered and I was approved for $ XXXX line of business credit while I was in the branch on the day of opening the account. For some reason ( that was never shared with me ), a month later in XXXX I received correspondence that my credit application was denied? I'm not sure why, I contacted XXXX, and she was supposed to handle that for me as she was confused on the rescinded offer as well. Not only did I not receive the {$300.00} promotional credit for the credit approval I also have not received the {$400.00} for depositing {$1500.00} within 60 days ( which I did my transferring my business earnings from my personal checking to my business account which XXXX assured me was acceptable. ) This situation has been ongoing for 7 months now with no resolve or clear communication as to what is going on and why. I even contacted corporate and they also had no resolve. This is completely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40211
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I placed {$40.00} on a cd on XXXX at SUNTRUST BANK 's branch office in XXXX, Fl. The lenght of the cd was 4 years with an annual interest rate of 2 % .On XXXX of XXXX, while i was waiting to get my money released, i found out the bank had changed from Suntrust to TRUIST BANK XXXX and unauthorizedly renewed my cd until XXXX, and changed the annual interest rate from 2 % to 0.01 % .Since i am not able to visit a branch office, I have called several times, getting no response from any of the customer service operators i have spoken to. I've sent e-mails, i have mailed documents to the addressesn provided for it, yet i have not received my money or any answer regarding this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 060XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: This is my 3rd and final notice that my right to privacy, along with the obligation of consumer reporting agencies, including XXXX, XXXX, and XXXX, to maintain strict standards for accuracy and privacy have been violated. I do not have contracts, nor did I ever give my written permission to furnish any of these accounts on my consumer report. This is fraud and I have submitted AN IDENTITY THEFT REPORT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A