Date Received: 2022-04-21
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Thousands of dollars are being withdrawn from my account making my account negative. Also I deposited a check for {$800.00} that hasnt been deposited yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My closed Suntrust HELOC second mortgage account has a fixed rate balance which I have always paid on time, including extra principal payments monthly. The changeover to Truist has been a nightmare, and I believe I am being defrauded. Specifically, the highlighted XX/XX/22 statement scan attached, clearly shows that I was charged TWICE in one billing cycle for {$130.00} interest, both on XX/XX/22 and again with an extra principal payment made on XX/XX/22. Yet another payment made after this billing cycle, on XX/XX/22, shows XXXX interest deducted. I am certain that when I soon make another payment, they will yet again charge duplicate interest within the same billing cycle. Their computer system is not only incapable of applying additional principal payments correctly, it is breaking the law. Yet Another, second issue is that a partial month final billing from Suntrust had already charged me for approximately 10 days interest, then Truist applied overlapping interest to that with their first statment. A third issue, is that Truist is NOT applying extra principal payments as principal only. They are applying them to future month 's payments, and charging me interest from those future months at the time I am making extra principal payments! They are charging me FUTURE INTEREST! THIS IS NOT LEGAL, as there can not be a penalty for paying a loan off in advance, at least not in Florida.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33139
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: on XX/XX/2022 I received a charge of {$15.00} form a balance of {$20.00} leaving {$4.00} available in the account. I was charged {$36.00} overdraft fee at this time when there were no other transactions. On XX/XX/2022 I deposited {$20.00} to cover a pending {$5.00} charge, I was charged another {$36.00} overdraft fee. It is Representative XXXX in the XXXX spoke to supervisor XXXX in the XXXX who told me that the pending amount received the overdraft fee. This is against bank policies as well as Law. There was also no mention of the {$20.00} deposited I made. The Bank refused to refund me even though they recognized the error on their part. This is not the first time this has happened and I feel that someone needs to stop the banks from doing this to hard working people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: My loan was sold by SunTrust to Truist. I was locked out of my account online at Truist, and can not seem to get the password changed. They do not have humans staffing phones, and the AI is no help because they keep sending codes to an unknown telephone number. I have been trying for a week to resolve this, and despite being on hold for significant amounts of time, have never reached a human. There is no way to contact them via email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have tried to pay my mortgage with Truist since it merged with BB & T the way I always have. The XXXX payment didnt process so I tried paying both XXXX and XXXX on at the same time to now just recently finding these payments didnt process. Im looking at having to pay now three months all together which I can do but it is so far impassible to give them your money. Ive spent XXXX hours on the phone with them being placed on hold and passed between six different people all who couldnt figure anything out or whatever they didnt did not work. The account I pay with has not changed. My wife spent hours on the phone with last night getting passed back and forth between two departments who couldnt do anything and they just ping pinged the call back and forth. I am concerned over my credit, the bank starting foreclose even though Im trying to pay them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54880
Submitted Via: Web
Date Sent: 2022-04-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XXXX of 2021, I was transitioning my father to a XXXXXXXX XXXX in the XXXX. I tried to effect payment for my father 's entry into the XXXXXXXX XXXX. While corresponding with the XXXX XXXX over email, the XXXXXXXX XXXX XXXX business email address was compromised. I began corresponding with a fraudulent entity and received banking details associated with a XXXX XXXX-based branch of BB & T ( account holder " XXXX XXXX XXXX' ) that the entity said was connected to the XXXX XXXX XXXX. I transferred {$1400.00} on XX/XX/2021 and {$4200.00} on XX/XX/2021, for a total of {$5700.00}, to the BB & T account. In early XXXX, I was notified by the XXXXXXXX XXXX that they never received payment and that their credentials were compromised. The XXXXXXXX XXXX states that they had no connection to an " XXXX XXXX '' and has demanded that I pay back the amount in full. I have been pleading with both the XXXX XXXX and with my banks to rectify this situation or shoulder responsibility for the hacking before paying the total amount again. I filed complaints with the XXXX and my local precinct immediately. In early XXXX, I also reached XXXX and XXXX XXXXXXXX XXXX to attempt to retrieve funds from BB & T. I also called the BB & T branch and head office to inform them of the fraudulent account. BB & T gave me no details regarding the account and let me know there was nothing that I could do but work through my banks. Unfortunately, XXXX and XXXX XXXX XXXX were unable to reclaim any lost funds and stated that they have set up an agreement 'in good faith ' with BB & T to reclaim funds should the fraudulent account ever be replenished. As of this writing, I have not received any reclaimed money. I would appreciate your support immensely. It's painful knowing that someone or some entities are fraudulently posing as XXXXXXXX XXXX and that banks may be willfully allowing this to happen by allowing people to open and close ghost accounts for these types of fraudulent transactions. I thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 946XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: My son accidentally used a BB & T ( now Truist ) credit card on XX/XX/XXXX while out with friends to buy {$32.00} worth of food for lunch. He does not have a relationship with Truist other than this card. I co-signed for this card 5+ years ago with a limit of {$500.00} so he could start working on his credit score. I do have an extensive relationship with Truist and have been a customer for 24 years. He did not get a statement so they added interest and late charges for 2 months and contacted the credit agencies. I saw something on my online banking and looked into it and after researching realized it was reward points that had not been used. Last Friday, XX/XX/XXXX, I saw on my online banking a {$93.00} charge and told him right away. I realized it was late and transferred the money right away to pay it. He checked his credit score over the weekend and it has dropped XXXX points. I called Truist right away on Monday and talked to a relationship banker and she said she would fix it right away. She then called me back and said there was nothing she could do. The business banker called me on my cell phone ( which they have in my file ) and said there was nothing he could do either but I should keep him updated on what happened with my credit. Truist has sent me 23 messages on my online banking account since XX/XX/XXXX and not one was about the credit card not being paid. I checked my credit and it has dropped XXXX points as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28401
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was XXXX that were a lot of unauthorized transactions to my account. Both my checking and savings were affected. Over XXXX XXXX dollars of unauthorized transactions made from my checking account, and over XXXX XXXX dollars of unauthorized transactions made from my savings account. I first reached out to SunTrust Bank on XX/XX/XXXX and made them aware of these unauthorized transactions to my accounts. The Asst. Branch Manager made a report and sent it to the fraud department. I Followed up with my Bank and the fraud department for months and months but no action was done in refunding my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: There was money out in my account from I dont know where and my account is negative XXXX XXXX dollars and I have never put a check in or touched the money there can you please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-04-20
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 U.S.C 1681 section 602 A. states I have the right to privacy. 15 U.S.C 1681 section 604 A. section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94806
Submitted Via: Web
Date Sent: 2022-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A