Date Received: 2022-04-19
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We began the process of applying for a construction loan with Truist Bank to build a modular home in XXXX of XXXX. We received a pre approval in XX/XX/XXXX. The mortgage loan officer was frequently unresponsive and then in XXXX of XXXX the officer changed without any communication from our original loan officer. Currently, the bank is continuing to ask for more documentation that was not originally stated we needed such as references for our contractor. Documentation has also expired due to the numerous delays such as our credit score. Our credit has had hard inquiries 3x which has impacted our scores. We have reached out to the supervisor but there continues to be no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08648
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received 2 emails on XX/XX/2022 at XXXX from Truist Bank stating that a new account has been opened With my name. One of the e-mails provide the last 4 digits of the new account number. The other email is confirmation that A user ID was created. Ive never used Truist or Suntrust for banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33028
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Threatened to contact someone or share information improperly
Subissue: Talked to a third-party about your debt
Consumer Complaint: Suntrust/Truist called my closest relatives phone number regarding a debt that I didnt know I had. A XXXX called 3 times even before XXXX on XX/XX/XXXX and XX/XX/XXXX. I dont even know how they contacted my relative unless its public records. I dont know what this is pertaining to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a trial of XXXX XXXX at the cost of XXXX dollars on their website. the site kept trying to upsell me on more bottles. I kept saying no but when I look at my account a whole other amount. I have been waiting it has been more than three months. Please Assist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had a checking account with SunTrust bank for many years, and the account had no service charges as long as I maintained a balance of at least $ XXXXwhich is the case. Now that SunTrust and BB & T merged to form Truist Bank I was assured there would be no changes to my account. However, Truist now charges me {$5.00} per month for the account. I tried calling Truist to inquire about this matter, but the waiting period to speak to someone was way too long ( hours ). What can be done about this deception?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist rewards were not posted to my Truist checking account according to their contractual obligation. On Monday, XX/XX/2022 I initiated a rewards transfer of cash to my checking account. The Truist system auto-generated a response that the cash would be available in my checking account by XXXX the next business day ( XX/XX/2022 ). Today is XX/XX/2022 and the rewards have not yet posted. I contacted Truist twice and I was told " Leadership is aware of this problem and is working to rectify it. '' Meanwhile, I made commitments to pay my bills from my checking account based on the Truist response that funds would be available by Tuesday, XX/XX/2022. Now I can not fulfill my obligations. Please investigate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27701
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Traded vehicle in and it was paid off but still is showing I owe on the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a new personal Truist checking account under the Welcome {$500.00} Checking Offer XXXX ( XXXX ) on XXXX/XXXX/2022. Two Qualifying XXXX Deposits totaling {$1000.00} or more within 90 days of account opening were made on XX/XX/2022 and XXXX/XXXX/2022. Four weeks have based and I have not received the {$500.00} offer. I have contacted Truist twice and their foreign call center agents have been no help. The online offer tracking system says the my account was closed. My account is open and active.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX, my company, is renovating a small hotel in XXXX XXXX, CA. XXXX XXXX XXXX XXXX XXXX XXXX is one of our local subcontractors. Someone gained access to email exchanges between companies and then posed as XXXX ownership and management. XXXX XXXX XXXX then wired a progress payment of {$97000.00}, believing it was an XXXX account. It was not. The wire transfer was to a fraudulent account at Truist Bank. We contacted Truist initially by phone to advise them. There has been no response. On XXXX, I mailed Truist Bank Chairman & CEO ( XXXX XXXX, XXXX ) + Chief Information Officer ( XXXX XXXX ) a letter explaining the situation along with numerous documents relating to this scam. It is now three weeks later and still no response. I believe they realize they made a terrible mistake and hope I will give up pursuing financial reimbursement. I will not. I am aware Congress has passed laws protecting banks but do not believe these laws cover negligence when banks allow fraudulent accounts to be established. Truist should have taken more security steps to insure this was not a fraudulent account. In addition, the wire transfer info we provided included the wrong address, city and state as a Truist location. This alone should have raised red flags at Truist, but it did not. Truist needs to determine how and why this fraudulent account was permitted, accept responsibility and reimburse me for money lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92672
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-18
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/XXXX we applied online at Truist.com for a business line of credit for our company XXXX XXXX XXXX XXXX. Upon completion of the application credit was immediately denied. To date we have received no communication from Truist regarding the reason ( s ) for the request being declined. I sent an email the same day to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others but never received a response. A friend who works for Truist forwarded my email thread outlining a number of issues including this one to two merger leaders. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2022-04-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A