Date Received: 2022-04-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My BB & T Acct has never been late. It was an accounting issue with BB & T.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I closed my Truist checking and savings account on XXXX XXXX and after closing the acct there was an unauthorized transaction l called disputed and told them once again on XX/XX/2022 to close the acct again I was assured it is a closed acct. On XXXX XXXX I was charged a {$10.00} maintenance fee and a {$35.00} nsf fee. I have called repeatedly and was on hold for over XXXX hours. I just called today again and was told to hold for XXXX minutes while she checked something that was XXXX minutes ago and call just disconnected. I called XXXX Truist banks to set an appointment to go over my acct but was told I had to call the XXXX XXXX number this could not be done in the bank. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had someone hack into my bank account and they began making transactions through XXXX. ( I do not use XXXX often and have tried avoiding to use it but it is ingrained into my bank. ) The person made numerous XXXX transactions to themselves resulting into almost XXXX dollars out of my account. My bank sees this as non fraudulent even though this individual used their phone to hack into my account. Since then I have made numerous calls to my bank and now they are just not helping anymore. They promised that I would have a case opened up but it's been roughly a week since then and I should have gotten a call within 3 business days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 195XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a claim with charges being made to my account that I was made aware of recently. I called Truist Bank and I wanted all charges from XXXX of 2021 to forward to be refunded. Truist Bank stated they will not refund the charges due to 60 days has lapsed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My original servicer was XXXX XXXX In XXXX of this year my servicer changed to Truist Bank. Truist has not had the correct balance of my mortgage. My mortgage balance with XXXX was lower by $ XXXX than it started with Truist. I have contacted Truist by phone several times over the past 5 weeks and I keep getting the run around. They will not get me a manager or anyone in charge, I get the customer service representative that states they have can not help and say someone will call me back. Truist Bank is not be a fiduciary of the money or trust I have given them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had two small transactions that went through my account on & Truist gave me {$72.00} in fees. I called in XX/XX/22 at XXXX & spoke to a rude, uncaring rep named XXXX who was no help with the fees. He refused to get me a supervisor twice as I asked. Then, didnt give me a phone number to where the supervisor would call me back. This is a new business account for me. If this is the way Truist does business, Ill be laying this balance & closing my account asap. I have a credit union account & this is never an issue with them. I want to speak to a corporate office rep before I go on digital media to let others know how Truist treats its customers & to news media if needed. I even went in the branch today off XXXX XXXX with a rep. She was no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2022-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regard to the incorrect items on my credit report, it has been well over 30 days, and I have not received any investigation results/update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filing this complaint because my third stimulus payment ( {$1400.00} ) was accepted and deposited into a Suntrust/Truist account that does not belong to me. For the last 12 months I have done my due diligence to resolve this with the IRS and Truist Bank. Unfortunately, to no avail. When I went to the IRS website in XX/XX/2021, it showed the money had been electronically deposited into Suntrust/Truist account # XXXX, routing # XXXX. This is not my account. I contacted the IRS and went to the local office to request assistance to resolve this matter. I received letters apologizing for the delay and asked to allow for additional time for an investigation. I went to the bank on XX/XX/2021, and spoke with the XXXX Georgia Truist Branch Customer Service Representative, XXXX XXXX, who pulled up the account and stated the money had been deposited into an account that was not mine. He said the name and account number were similar but they did not match my account. I followed up with a Truist Client Resolution representative from XXXXXXXX XXXX XXXXXXXX XXXX XXXX who stated it could not be determined who the money was intended for ; therefore, the bank would not return the money to me or the IRS. My questions is, how did they determine the money was intended for the other account holder? The deposit was in my name not the other account holder. Clearly, they did not adhere to their own procedures and ACH criteria of basic account information matching, i.e., name, address, account number ; to ensure accuracy for an electronic deposit. I have been to the IRS, called over 10 times, written several letters to explain that the money was deposited into the wrong account. I have written again to Truist Bank that is saying they can not determine who the money was intended for, yet they accepted a electronic transfer into an account that did not have my exact name on. I just sent them a letter from the IRS that clearly shows the XXXX was intended for me. By the way, I have never given the IRS any banking information for direct deposit. I have no idea how this information was included in my file. This has been verified by the Tax Advocacy specialist. The IRS has done their inquiry and wrote that the money was deposited into an account provided by the Social Security Administration. It's their position, they deposited the money, so that's it. And, if I want, I need to go to the bank and ask it the money. I tried that. I am getting the runaround from both entities. Again, the banking institution and account information is not mine. I have contacted the Tax Advocacy program but they are limited in instructing the IRS to demand Truist to return the money to their agency. However, they too can not understand why did the bank accepted the transfer when it was obvious the banking information for the intended person, me, and the account the money was actually deposit in, did not match. Truist Bank readily admits they accepted the ACH electronic transfer that was placed into an account that did not have a matchi ng name, address, or account number for my account. As such, I am asking for your assistance to recover my {$1400.00} stimulus payment.
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: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Ok so I opened an account at truist-during a time where i was going thru some crypto scam and my account at XXXX XXXX XXXXXXXX had been compromised. Plus credit cards were being opened in my name by " someone ''. anyway i opened an account online w Truist and deposited {$10.00} then " someone '' deposited checks x 3 totaling around {$5500.00} and now I am responsible. I dont understand if these checks were cashed why were they when only {$10.00} in account? why were they cashed? I did not deposit these checks nor do i know who did but now I am somehow responsible for {$5500.00}. I just sent in a payment plan -- -bc basically i dont want it to go against my credit -- I value that too much and also its embarassing. I did file complaint w fraud but account was dismissed quickly -- at time i was going thru so much w XXXX that i was exhausted w it all. Please advise. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-22
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: My address and phone number both changed. When trying to close the account, the bank would not let me change my address. In order to do that, I needed to be verified on my phone number, which I didn't have access to anymore. The only way the bank said I can close my account is either through mail in writing or by visiting a physical branch. I couldn't visit a physical branch due to being in a geographic area far from any physical branch. In addition, I can not do it in writing because I didn't know my account number. I could not be told my account number, and I also can not access my account number online because I forgot my password and can not reset it as my old bank merged with a new bank and the new bank does not have my old bank 's information. Also, because I'm unable to access my account online, I can not opt out of the " paperless billing fee ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2022-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A