Date Received: 2023-12-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Company " Charged off '' account XXXX XXXXXXXX and is unable to verify debt or sent any documentation requested. I requested back in XX/XX/2023, Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization that I, the consumer, may have given, written or unwritten, verbal or nonverbal, per 15USC 6802.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64068
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRUIST BANK ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRUIST BANK ) the financial institution and the Consumer reporting agencies XXXX, XXXX and XXXX DO NOT have my consent to furnish this information and they DO NOT have my written consent. Any and all consent to XXXX, XXXX, ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRUIST BANK ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, TRUIST BANK ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) of this section ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. ( c ) Authority to decline or rescind. ( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines that ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. ( 2 ) Notification to consumer. If a block of information is declined or rescinded under this subsection, the affected consumer shall be notified promptly, in the same manner as consumers are notified of the reinsertion of information under section 1681i ( a ) ( 5 ) ( B ) of this title. ( 3 ) Significance of block. For purposes of this subsection, if a consumer reporting agency rescinds a block, the presence of information in the file of a consumer prior to the blocking of such information is not evidence of whether the consumer knew or should have known that the consumer obtained possession of any goods, services, or money as a result of the block. ( d ) Exception for resellers. ( 1 ) No reseller file. This section shall not apply to a consumer reporting agency, if the consumer reporting agency ( A ) is a reseller ; ( B ) is not, at the time of the request of the consumer under subsection ( a ) of this section, otherwise furnishing or reselling a consumer report concerning the information identified by the consumer ; and ( C ) informs the consumer, by any means, that the consumer may report the identity theft to the Bureau to obtain consumer information regarding identity theft. ( 2 ) Reseller with file. The sole obligation of the consumer reporting agency under this section, with regard to any request of a consumer under this section, shall be to block the consumer report maintained by the consumer reporting agency from any subsequent use, if ( A ) the consumer, in accordance with the provisions of subsection ( a ) of this section, identifies, to a consumer reporting agency, information in the file of the consumer that resulted from identity theft ; and ( B ) the consumer reporting agency is a reseller of the identified information. ( 3 ) Notice. In carrying out its obligation under paragraph ( 2 ), the reseller shall promptly provide a notice to the consumer of the decision to block the file. Such notice shall contain the name, address, and telephone number of each consumer reporting agency from which the consumer information was obtained for resale. ( e ) Exception for verification companies. The provisions of this section do not apply to a check services company, acting as such, which issues authorizations for the purpose of approving or processing negotiable instruments, electronic fund transfers, or similar methods of payments, except that, beginning 4 business days after receipt of information described in paragraphs ( 1 ) through ( 3 ) of subsection ( a ) of this section, a check services company shall not report to a national consumer reporting agency described in section 1681a ( p ) of this title, any information identified in the subject identity theft report as resulting from identity theft. ( f ) Access to blocked information by law enforcement agencies. No provision of this section shall be construed as requiring a consumer reporting agency to prevent a Federal, State, or local law enforcement agency from accessing blocked information in a consumer file to which the agency could otherwise obtain access under this subchapter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24540
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XX/XX/27 My Checking account was compromised for XXXX different transacctions in North Carolina , I live in Tennessee , but somehow i'm being held responsible for my personal loss, i've reached out to Truist Bank for weeks and they said there was nothing that they could do because the case was closed. Please help me with this because My Bank have turned their back on me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37042
Submitted Via: Web
Date Sent: 2023-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: BB & T ( better known as Truist ) No agency shall disclose any records, which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written consent of the individual, to whom the record pertain to. ( Privacy Act 1974 ). Obligation policy states it is the policy of the Congress, that each financial institutions have affirmative and continuing obligation to respect the privacy of customers and protect the security and confidentiality of those customers non-public personal information ( FCRA, 15 U.S.C. 6801 ). Canceled debts states that a charge off is considered a certificate of indebtedness which means it is income that can not be reported to consumer reports ( IRS Publications 4681 ). Any person who willfully fails to comply with any requirement imposed with respect to any consumer, is liable to that consumer in an amount equal to the sum of any actual damages sustained by the consumer as a result of the failure of damages of not less than {$100.00} and not more than {$1000.00} ( FCRA, 15 U.S.C. 1681 ( n ) ( a ) ( 1a ) ). A non-afflicted third-party that receives from a financial institution shall not directly or through an affiliate of such receiving third-party, disclose such information to any other person that is a non-affiliate third-party, unless such disclosure would be lawful if made directly to such other person by the financial institution ( FCRA, 15 U.S.C. 6802 ( c ) ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Account was charged in error for XXXX purchases that I did not authorize. Merchandise was returned but can't receive a refund because the card used was closed due to me disputing the charges. Truist closed my investigation based on my " habits '' of shopping on XXXX. I noted to them if they checked my checking account my XXXX purchases would be max of {$20.00}, I was charged with 6 transactions totaling more than {$350.00}. My money can't be returned because the claim was denied, and XXXX can't refund a card that's closed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Truist XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34787
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
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: I requested my Truist Visa credit card closed in XX/XX/2023. In XXXX I got online banking statement showing bank had paid XXXX automatically after I had canceled the accountthey refunded that to card In XXXX they made the same error! When I called and said card should have been CLOSEDthey returned money to account and said that now had XXXX balance they could be sure card was closedXXXX XXXX.. Then in XXXX they allowed someone to transfer {$8000.00}. Out of the CLOSED credit card without my knowledge or permission Since that time I have called the Truist fraud departments and credit card dispute departments over 12 times!, ,I also filed fraud report with XXXX XXXX XXXX XXXXHe was able to trace the source of the fraud to XXXX XXXX, ,but due to it being out of the country he was unable to pursue. Sheriff told me Truist was responsible from the beginning due to them not closing the credit card when I originally requested account closed. Since then Truist has established another credit card in my name and without my knowledge and put the {$8000.00}. and almost another {$1000.00}. in late payment and interest charges on a card I dont have. Detective suggested that Truist had committed Identity Theft when they opened credit card in my name without my knowledge!!! Truist will not return my calls and my credit score has dropped over XXXX points since this started.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: Truist Bank allowed a completely and obvious fraudulent check to take {$2400.00} from my checking account. No checks were ever issued on this account. Since it took over 30 days for me to report the bogus check, the bank stated that I'm responsible for the missing funds. The bank should of never allowed such a check to clear. Computer generated check with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on the face of the check. Check made out to a XXXX XXXX XXXX XXXX signed on the back. No one should of cleared that check... total incompetence and negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: In XX/XX/XXXXXXXX I've purchased a new vehicle from XXXX XXXX. The loan was financed by Trust Bank. Various services were included in the financed amount, such as extended warranty, maintenance contract, etc. In XX/XX/XXXX2023 I've sold that vehicle, consequently, cancelling additional services : such as maintenance program. After cancelling maintenance program, check # XXXX in an amount of {$1200.00} was issued and sent to Truist Bank, who was suppose to sent it my way ( I don't know why they made it so complicated ). It was cashed by Truist on XX/XX/XXXX, and Trust never sent these money back to me. I've provided all possible requested iformation Trust wanted and still refuse to reimburse me. Could it please, help me to fight such injustice. Thank you so much for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11235
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I went to get a loan and found out that Truist bank has me down as 90 days past due on a vehicle payment! That is completely incorrect, as a matter of fact I had issues from them in the past for not sending documents to prove to get gap ( XXXX XXXX ) to cover the total loss of my XXXX. I want the 90 days off my credit report because it should have been covered due to their lack of providing documentation needed. That was also part of my earlier request when this happened. From my understanding everything was covered until yesterday. I would like that removed from my credit report as soon as possible because that has affected my credit. I was told everything was taken care of, they even sent me checks back, so what is going on?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/XXXX, I deposited a cheque for {$500.00} in my Truist account. This cheque was drawn against my account in XXXX XXXX XXXX On XX/XX/XXXX an amount of {$500.00} was credited in my Truist account but it was immediately put on hold. I can see that {$500.00} has been debited from my XXXX account, confirming that the cheque was honoured. When I call Truis bank, I am told that the check I deposited is put on hold for validation and will be cleared on XX/XX/XXXXXXXX Complain : XXXX XXXX XXXXXXXX has already cleared the cheque for {$500.00} on XX/XX/XXXXXXXX XXXX However Truist bank will clear those funds on XX/XX/XXXX. Truis bank is using {$500.00} in some ways without crediting those in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A