Date Received: 2022-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. Regional Acceptance Corporation account resulted from identity theft and was already deleted to XXXX and XXXX but not XXXX. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from XXXX and Regional Acceptance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: on XX/XX/2022, I received a letter that stated I owed SunTrust bank money that I don't know about. the debt collector is XXXX XXXX XXXX on XX/XX/2022. I sent them a debt validation they failed to response to me ( Failure to Validate Letter ) on XX/XX/2022 I sent them another letter and they failed to respond to me again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: MY ACCOUNT WITH BB & T HAS BEEN COMPROMISED BREACHED WHICH WAS NOT BROUGHT TO MY ATTENTION WITHIN KNOWLEDGE AND FULL UNDER STANDING OF THE XXXX WITHIN THE NAME AND OR COMPLANY POLICY- WITH SELLING ADN WELL AS RECCEIVING STOLEN PEROSN CUSTOMER INFOMATION WHICH COULD BE HARMFUL PHYSICALLY AS WELL AS FINANCIALLY TO MY PEROSN BODY AS WELL AS XXXX WITH ALLTHE GAMES BEHIND THIS CURRENT FRAUD THIS ORANIZATION BB & T TRUIST- SUN TRUST - FINANCIALLY ORGANIZATION NAME XXXX ACCOUTS FALLS UNDER - PLEASE INVESTIGTE ALL TRANSACTIONS- THERE YOU CAN CONFIRM WHAT FRAUD THE UNITED STATES BANK AND XXXXXXXX XXXX HAVE GOING ON - HERE I LINKED MY ACCOUNT - HOWEVER I HAVE NOT HAD ACCESS TO SEND MONEY OR RECEIVE PAYMENT XXXX XXXX ONCE I REQUEST TO SEND MONEY I DID NOT HAVE THE ABILITY TO DO SO WITH ACTIVE MONLY IN MY ACCOUNT - THESE IS NO EXCEPTION AND OR EXCUSE- THEFERE I KNOW I FALL UNDER THE FEDERLA LAW VIOLATIONS FOR COMPENSATION THIS INSTITUTION BEING REPOSTED HAS AFFECTED ME XXXX AS WELL AS FINANCIALLY - EXTREME DURESS WITHIN MY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29229
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Other transaction problem
Subissue:
Consumer Complaint: My family moved to XXXX from XXXX a few months ago. Our checking account is currently still with Truist Bank in XXXX. We had a home closing scheduled on XX/XX/2022. At XXXX XXXX I called Truist to arrange a wire transfer of funds for my account in XXXX to the XXXX title company that we be conducting the closing. I was advised that I would need to appear in person in XXXX to request the wire transfer. I explained that I was currently in XXXX and could not appear in person. After numerous conversations and waiting over one hour on hold to speak with the customer service agent ( who was in the XXXX and was not fully trained on XXXX banking policy ) I made attempts to reach the Truist corporate office in XXXXXXXX XXXX. Nowhere is there a contact number for the corporate office. All roads led back to the customer service office in the XXXX with more lengthy waits. Truist should have a procedure in place that allows a customer to provide sufficient identification and be allowed to submit a wire transfer request either online or by telephone. As soon as I am able to receive the funds needed to complete the closing on our new home, all Truist accounts will be closed. This is another example of a big bank not caring about its customers even in an emergency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84096
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX 'XXXX XXXX XXXX XXXX XXXX XXXX for obtaining pre-qualification rates from various lenders for personal loans states the inquiry is soft and will not affect your credit report ; however, XXXX, will run an unauthorized hard inquiry based on the information provided by XXXX. I have noticed that no inquiries, hard or soft, by XXXX in the last two years have appeared on my XXXX credit report but DO appear on my XXXX credit report. XXXX should be investigated due to their unlawful operating procedures regarding unauthorized credit report attainment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sun Trust merged with BB & T to become Truist. XXXX was the 1st payment that was due using their new portal. I logged in on XX/XX/XXXX and made my payment however for some reason it didn't process. There was never any notification that it hadn't been processed until I logged on to their portal on XX/XX/XXXX and I noticed they were charging me a late fee. I explained what happened to their support person who said they understood and it would be waived and I paid both the XXXX and XXXX payments at that time. In XXXX I noticed that my Credit Score had been hit and when I logged on to their portal they still had a late fee. I called in again and was told that they could waive the late fee, which they did, and that I would need to submit a dispute to clear the hit to my credit, Which I did. A week and a half later I received a letter stating that my dispute was denied. I went to the browser history for my computer and can clearly show that I logged into their portal on XX/XX/XXXX. The only account I have with Truist is the Mortgage account and therefore making the payment is the only reason I had to log in that day. I took a screenshot of the browser history and submitted it to the 3 Credit Agencies with a Dispute. I just heard back from XXXX that Truist is refusing to reverse the report. I assume they will have the same response to the other 2 Credit Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: For over two years, I have had a auto payment set up for my rent with BB & T Bank for {$850.00} to a family member 's corporate account that owns the property. Payments have been sent automatically without a problem until I was notified by my family that three ( 3 ) payments were received for XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX. When I investigated why three payments were made in XX/XX/XXXX, I discovered No payment was made for XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I realize BB & T has been merging with SunTrust to become Truist Bank ( which was finalized in XX/XX/XXXX ), but all my other automated payments with that checking account have been fine. I contacted the bank and spoke to XXXX and explained I maintain a balance of {$12000.00} - {$17000.00} in that account at all times, so funds were available. I never received anything from the bank that there was a problem making the payment. Then the bank takes three ( 3 ) monthly payments in the month of XXXX, again without notifying me they would be doing so. If my rent payments had not been going to a family corporate account, I could have been served an eviction notice for non-payment. Then to take three payments in one month from my account without notifying me they were going to do so could have resulted in numerous overdrafts charges if I did not maintain such a large amount in my checking account. All I wanted was a letter from the back stating why this happened, that it had been corrected, and this was not due to any fault of myself. I was told this could not be done. Nor could XXXX explain why it happened or if it will happen again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-13
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: On XX/XX/XXXX my money market account was closed based on. Escheatment. I regularly use the card and account. When going in the Truist bank they were unable to help and directed me to XXXX number. They stated this process is done with inactive accounts but they could see this account is regularly used and based on Alabama law escheatment happens after an account is dominant for 3 years. This is not my situation. This is obviously an error and the bank should have fixed immediately. The bank is saying this is a third party product and they can't help. There was several thousand dollars in this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35749
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I went to the branch in person and closed all my accounts : checking, savings, line of credit in XX/XX/XXXX. In XX/XX/XXXX I received notice from a debt collector that I owed Truist Bank. That was not the bank I used at the time but has since bought out/merged with BBT. I called and found that my account hadn't been closed and that they were charging overdraft fees the whole time. I never received any notice of this until the debt collection letter. Despite having closed the account I paid all the fees and closed the account again. I submitted a dispute on the ding to my credit score which Truist denied. Yesterday I received notice that the account once again had a negative balance and was apparently still not closed. This caused yet another ding to my credit score. I once again spent multiple hours on the phone trying to get this fixed and once again paid the fees to close the account. I have zero faith that they will actually close the account. I would like the marks removed from my credit score and the funds returned to me for my mistake, but at this point I would settle for them actually doing what they told me they would do 3 times and close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59901
Submitted Via: Web
Date Sent: 2022-04-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-12
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: My XXXX was originally signed through Suntrust. The problems began with the merger that resulted in Truist. Truist customer service is abysmal. I was unable to establish an online account and kept receiving error messages. When I call, the call center has wait times of over an hour. After waiting for XXXX min, I was dropped. When I attempted to get information at the branch, the XXXX has to call into the same call center and wait on hold. I am currently waiting for a call back from the branch XXXX at the XXXX, MD branch. I simply need a payoff letter to sell the property and settle. The title company was also unable to reach the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2022-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A