Date Received: 2022-03-23
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: While I was the XXXX person for the XXXX of XXXX XXXX I was asked to use my financial account to make the purchase of the website. It was a yearly subscription and a 50 % discount. This year I was hit with the full price of the subscription even though I am longer a member of the XXXX nor do I have the access to the XXXX account. I've tried to reach out to XXXX and they refuse to respond. I reached out to my bank and they put a block on my card I didn't ask for, refused to put in a claim, then hung up on me after putting me on hold for XXXX minutes. I am in the negative due to a transaction i couldn't prevent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: I transferred money from my XXXX ( Truist / XXXX ) into my Truist Checking Account to pay off my mortgage. After received, on XX/XX/XXXX, I made XXXX separate transactions, the first for {$99000.00} ( XXXX available to transfer online ) and {$12000.00} from my Truist Checking account to my Truist Bank Mortgage. On XX/XX/XXXX, the {$12000.00} transfer posted to my mortgage. On that date " Both '' transactions were removed from my Checking Account. As of today, XX/XX/XXXX, the {$99000.00} has not posted to my mortgage. I went online to contact Truist about the " lost money '' today and received a run-around. Firstly, the wait time on calling was greater than XXXX minutes. After that, I chose to " Chat '' with an an online agent. Initially, the response was that it would take XXXX hours to research, That was unacceptable to me. After a few chats back-and-forth, I was told that the {$99000.00} payment was suspended for some reason. I asked the chat agent for a complaint phone line and there was not XXXX available. I also asked the agent to enter a complaint into their complaint management system and she/he was unable to enter the complaint. Apparently, her/his manager needed to enter the complaint. The chat system closed out after my request without any resolution. I asked if they could verify that a complaint was registered. During that process, I called a local branch ( XXXX XXXX, XXXXXXXX XXXX ) and " XXXX '' offered to help and he is supposed to call me back. XXXX was very professional but he could not define the problem based on what he saw in the system. I am concerned that an organization seemingly loses almost {$100000.00} of my money that is not accounted for in my accounts. Also, I am concerned that the XXXX ) Customer Service wait is excessive, XXXX ) The chat agents are unable to resolve obvious problems, XXXX ) There is no way for a chat agent or a client to escalate problems/ complaints. This is horrible client service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We refinanced our mortgage in XX/XX/2022. Final payoff for the original loan was XX/XX/2022 with an escrow balance with the original mortgage company ( BB & T ) of {$3400.00}. Payment of escrow balance has not been received to date. Multiple conversations with financial institution with different excuses ( incorrect address, time required to reissue check... ) and no resolution yet. I thought the financial institution is required to return the escrow balance within 20 days of payoff?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: My bank administrator at Truist suggested going through their website to apply for a credit line so I could fix my roof. The bids for the replacement are $ XXXX the amount applied for. The house is paid off and there is no mortgage. The house is valued over $ XXXX. Between cash and investments total assets are over $ XXXX. Income is a pension and a small business. I have one credit card with a balance of just over {$100.00} and a second of {$3500.00}. A truck loan ( which I qualified for ) with a balance of $ XXXX which will be paid off by XXXX, a year early. My credit score is XXXX. My annual income is consistent never less than $ XXXX a year. My monthly income is {$3700.00}. My monthly liabilities are less than {$1000.00}. The reasons given for the denial are inconsistent with past practices and certainly still apply now. The debt to asset ratio fall well within the industry norms. Having secured loans from this institution before. I have been banking with SunTrust for 35 years, the same account adding a business account and savings account that has more money than the loan itself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32927
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: These Hard Inquiries on my XXXX report I do not recognize nor did I give my consent for. Dated XX/XX/XXXX from XXXX XXXX XXXX and XXXX XXXX. I only have knowledge of XXXX XXXX XXXX XXXX. Also their is a Hard inquiry from XXXX XXXX XXXX XXXX on XX/XX/XXXX that I do not recognize as I know that I was out of town and not inquiring about an Auto loan on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I had a car loan with Truist financial, which included GAP insurance incase of a total loss. The car was involved in an accident, and was declared totaled, and the insurance paid the car off. However, the account was reported late because the GAP insurance paid it a month after the due date. I have called, disputed online, with no results. Truist informed me that they would initiate a courtesy update removal years ago, however they have not. The company is in violation of the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33327
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-23
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: We had fraud on our checking account with Truist bank identified during the month of XX/XX/XXXX totaling {$1200.00} which included XXXX XXXX 's from XXXX through XXXX, while I was in the ICU battling for my life as a result of XXXX. My XXXX contacted Truist customer service in XXXX when we discovered these ongoing XXXX 's and they told us we would need to go to a branch in person to deal with it. Clearly that was not an option due to my circumstances. The day I was released from the hospital on XX/XX/XXXX we went to town lake, XXXX XXXX branch to try and get this issue resolved. To our displeasure they said the only way we could stop the fraud was to close out our checking account which was XXXX XXXX inconvenient because I had XXXX 's going out and a direct deposit coming in that I could not re-route. We were still left exposed to this ongoing fraud issue until I had all those items cleared which took another XXXX weeks putting our money in jeopardy of being stolen. We then disputed all XXXX XXXX 's sent to the XXXX XXXX department. Once I closed the checking account we left our savings account opened to be refunded the money once the fraud investigations were complete. This in itself was a complete nightmare as they sent different charges to different departments and partially refunded us the money but XXXX of the charges still had not been processed even though they were all from the same party. To this day they have not told us who the offender was. Finally after waiting XXXX more weeks I had to make multiple calls to our branch in XXXX XXXX and our bank rep who was XXXX XXXX XXXX # XXXX. I finally had come to a point where I was going to make a complaint to the CFPB because they wanted us to open up a new checking account with Truist and wait another XXXX weeks to get the remainder of our money back from the fraud charges that were deemed fraud. This was completely absurd since it was there recommendation to close the checking account in the first place, plus we still had an open savings account still active. It was funny, as soon as I stated that I was going to make this complaint they had the money in my savings account the next day. After that I closed all my accounts and credit lines with Truist and moved to another bank. I thought this misery was over until I just received a notification from Truist 's fraud department in the mail that they have now deemed XXXX of the fraud charges to be valid in the amount of {$100.00}, this was refunded to us on XXXX and the original charge was on XXXX. They stated in the letter that they are going to charge back our account. This shows you how incompetent this institute is as we don't have any live accounts and this was already deemed fraud. We attempted to contact the fraud department twice this week. I was on hold for XXXX minutes and my XXXX called the next day and was on hold for over an hour and did not get a live person on the phone. We have reached out to XXXX XXXX countless times and she has stated she is unwilling to help us further and we need to deal with the XXXX department. We even attempted to call customer service today and spent XXXX minutes on the phone with them and got no resolution. This banking institute is a complete joke and XXXX needs to be held accountable for leaving us with this XXXX mark since she had been advising us all the way through. I don't understand how its possible to get refunded on fraud issues and then XXXX months later they come back and deem XXXX charge out of XXXX from the same fraudulent party, fraud when the others were deemed fraud. On top of not getting any assistance from them to rectify the situation, my fear is they are going to send this to collections and ruin my credit. I would like a full investigation on this matter as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2022-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I first filed a complaint because every time I call Im on hold for hours PLUS I filed a disputes for charges that were not mine and my claim was denied. Truist retaliated against me for filing a complaint that they THEN blocked my debit card and said Ill never be able to have another debit card with them. I can use my three accounts with them but never a debit card. They didnt block it until my complaint got submitted. I have been with them for years and never had any problems. After I submitted my complaint I get a email from Truist saying if you have any questions call this person and here is their number. Ive called that person many times a day for a few days and no one ever picks up or calls me back. I even emailed XXXX who sent me the email with her number and I havent received a email back either. I think I this is unfair to make people wait hours on hold and when they have charges on their account that is not theirs to not give them credit and then when the consumer gets upset about this you block their debit card. Also I am showing a screenshot of my typical day calling for last 2 weeks. On hold for four hours. I gave up after that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: NOTICE : Truist Bank, following its merger/acquisition of SunTrust Bank XXXX has suddenly and without notice to depositors and the general public shut down substantially all of the SunTrust Bank branches in XXXX, MD. Moreover, it has not provided signage on the buildings stating that they are closed. It has not taken action to post the closing on appropriate Internet sites, again misleading depositors and the general public. Truist Bank has undermined faith in the XXXX banking system with its unannounced actions. The bank should be fined at least {$100.00} XXXX for its irresponsible actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: My XXXX XXXX credit card send me a check so I can use without interest for 18 months So I deposited that check on to my truist bank checking account on XX/XX/2022 They ended locking my checking account cinse that day. I have been calling every day so they can fix that. They keep saying that the check will be return. And know my credit card needs to get a minimum monthly payment. Can you please help me out or tell me what to do thanks Sincerely XXXX XXXX XXXX XXXX or XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22003
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A