Date Received: 2022-04-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX several hours before the final settlement of the sale of my property ( XXXX XXXX XXXX, XXXX, VA XXXX ), I was informed by the settlement agent ( Smart Settlements ) that the title search on the property ( XXXX XXXX XXXX ) had just come back and showed that the Certificate of Satisfaction to clear the Deed of Trust ( XXXX XXXX PG XXXX ) from a XXXX refinance on the property had not been recorded into Land Records with the City of XXXX, VA. This Deed of Trust was issued by XXXX XXXX Mortgage, a division of Virginia XXXX XXXX Bank which has been succeeded by Truist. In order to proceed with the settlement, XXXX XXXX required me to put $ XXXX of the proceeds from the sale into an escrow account with them until the lien release could be obtained. XXXX XXXX sent an email to XXXX on XX/XX/XXXX requesting the missing certificate of satisfaction to indicate that the XXXX was satisfied. They received an auto reply from Truist that they would have an answer in 10-30 days. As of day 30, XXXX XXXX had not received any communication from Truist, and sent another request. As of today, XX/XX/XXXX, 66 days later, they have heard nothing and my $ XXXX is still in escrow! Actions Ive taken include : 2 visits to land records 1 visit to a local Truist bank manager, who sent an email on my behalf Posting a plea on XXXX @ Truist which got a modicum of a response Calling Truist customer service multiple times between XX/XX/XXXX and XX/XX/XXXX Hiring a real estate attorney, XX/XX/XXXX Finally after many hours on the phone XXXX Truist and people passing the buck, I received a case number # XXXX and a case manager named XXXX XXXX. However Im not allowed to talk to XXXX XXXX directly. Background : On XX/XX/XXXX, I refinanced my original mortgage for the property located at XXXX XXXX XXXX, with XXXX XXXX Mortgage, a division of Virginia XXXX XXXX Bank, XXXX. Based on documents I have in my possession, including a HUD-1 and Tax Mortgage Interest Form, I believe Southern XXXX XXXX sold the loan to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC, XXXX ( # XXXX ). Based on the HUD-1 from my second refinance, the first refinanced loanwas paid in full in XX/XX/XXXX, when I refinanced for the second time. The first refinanced Mortgage is dated XX/XX/XXXX ( FHA Loan Number XXXX ) City of XXXX Deed Book XXXX, PG XXXX ) and was never released, a fact that I was not aware of until I sold the property recently. To put things into perspective, my credit score is over XXXX. The property was never foreclosed on, no mortgage company ever sued me for non payment, and I completely paid the second refinanced mortgage off in XXXX. This is simply a clerical error which I need corrected. I need from Truist and /or from the record keeper of XXXX XXXX XXXX XXXX XXXX. Proof of the Assignment from XXXX XXXX Mortgage, a division of Virginia XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX and 2. Release of Deed of Trust to release settlement funds. Unfortunately, despite my multiple phone calls and requests, I still havent received a response from Truist or the entity that holds the records for XXXX XXXX XXXX XXXX. I am reaching out to the CFPB to see if you can help get this matter resolved, as none of the banking institutions involved are taking this matter seriously and helping to resolve it for me. If you need any additional information, please let me know. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have already filed a complaint this will be my second one. I had approximately XXXX of unauthorized transactions on my bank account ( BB & t ) now Truist. I followed their procedures provided all required documents required and they denied my claim. Well the story just broke and I am not alone there were several other with same problem. They are getting their money back and I need to know what do so I can try and get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32505
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had an account with Suntrust Bank an auto loan, i have had several over the years, i also had an Auto loan with BB & T. The closest Suntrust was over an hour away so i paid over the phone always, Suntrust and BB & T were both purchased by Truist, it took a year to merge completely, and i was able to make my payments over the phone until XXXX of this year my local BB & t would accept a payment for one loan but not the Suntrust, and the number would no longer work too make payments you would be put on hold for hours and then it would disconnect i was assured there would not be a problem since they were merging i paid the vehicle off finally in XXXX and i had a late payment placed on my credit for XXXX and XXXX even though it was paid off they did remove the XXXX payment but will not the XXXX you can not reach anyone by phone and if you do after hours on the phone they simply direct you back to the local bank i have never been late and never had issues until truist took over i was preapproved for a mortgage loan but now can not buy because of this late payment. I do not understand why they will not remove because it was their failed system this could stay on my report for 7 years and this is truly unfair when i can prove i never had late payment prior
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: 243XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The 3 credit bureaus advised me to file a fraud complaint with the FTC to have all these fraud account removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33326
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Suntrust with the new XXXX stating that they were closing accounts on XX/XX/2022 but these accounts square for people who have a CD account or a retirement account I dont have either I have a regular checking account and a regular savings account so I contacted my local branch and I asked the branch manager about it he ask for my personal information I gave it to him and he told me that my account was not effective I can disregard that letter well I went today I tried making a purchase online and when I contacted customer service she told me that my car XXXX was blocked and that she couldnt unblock it she told me to go to a local branch picking initiation me another car while when I contacted the local branch he tells me that my account has been closed on XX/XX/XXXX my account is still open in active but my car is not but I just use my car on this past Saturday was with XX/XX/XXXX to pull money out of the ATM machine I think thats very unfair and ethical because people have money go onto their accounts and then give a reason why my account has been closed I dont care that they tell us being close it was how it was been done and I believe BB & T needs to be investigated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My Suntrust Account was converted to a TRUIST bank account a few weeks ago. After Truist took over customer service has been terrible. Recently I was incorrectly charged by a merchant but I can not contact TRUIST bank to dispute this charge. No email address to contact them, no " Chat '' function, and the XXXX XXXX number on the card or on the web site is not answered. At Truist the lights may be on but no one is home! complaint XX/XX/2022 Merchant : XXXX XXXX XXXX XXXX {$26.00} charged twice but I paid cash when the card reader wouldn't work. This is no way for a " Major Bank '' to behave. Literally zero customer service/support. I want my Suntrust Bank back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have not had access to my online account for 3 months. I have called at least 4 times from the number given to me by TRUIST. However, every time l, they do not pick up for an hour and then say that they are not the correct department. Even though its the direct number from an email sent about the locked account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred to Truist Bank and ever since then it's been a complete nightmare trying to set up an online account to pay my monthly mortgage payment on time. The website is unable to find my loan and continually says the service is unavailable. Trying to call Truist just leads me to a never ending cycle of waiting to be connected to a customer service representative ( 20+ minutes at least every time ), the customer service representative offering to connect me to tech support and then being placed on hold and being transferred back to the main menu instead of tech support. I have wasted literal HOURS on this and there is no solution or end in sight. Is this company run by a bunch of mice in a trench coat? Because I could not imagine an actual human being running a company so incompetently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80439
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Unauthorized use of my account..I never received my debit card ... it says ATM withdrawal for XXXX..someone deposited XXXX into my account... I don't own that type of money or know anyone that do... I've been logged out of my account..I tried to pull money thinking my job direct deposit me..but as I just got off the phone and my direct deposit wasn't going to be ready until XXXX payroll week..somebody hacked my account..I never received no mail..my address is XXXX XXXXXXXX XXXX XXXX FL XXXX I haven't updated my driver 's license address to my former address but I mention that in my interview to open account..can you please contact me..I 'm currently out of town..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32808
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: See previously closed CFPB complaint - XXXX - that was closed without a satisfactory resolution. I am still owned {$72.00} in overdraft fees that should not have been charged. I have supplied my " actual '' records, detail and bank statements verifying my checking out balances at the time the overdraft fees were incorrectly charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2022-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A