Date Received: 2023-12-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Truist Checking account number XXXX. Truist debited my account {$1000.00} erroneously nad declines to recredit. Someone wrote a check on their truist account for XXXX and truist erroneously deducted the funds from my account. It was a : typing error, or posting error, or scanning error. The other account had a number close to my account. I do not know the person or company that has the othern account. Instead of posting the XXXX debit to XXXX account, they posted it to my account. You would think this could easily be corrected, but no. I went to the Truist Branch in XXXX XXXX, Maryland. Spoke to XXXX. She got someon on the phone. They insisted on treating it as a lost check or foergery matter. It is not. It is theor posting error. They kept asking me of I lost a check, or authorized the check! The image of the check appears in my online account but they seem to ignore the image.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There has been several hard inquiries being reported on my credit report that I do not recognize nor have authorized. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a large deposit into my account from my son 's business ( {$80000.00} ). Approximately 15 days after the deposit, my account was frozen. I requested feedback from the bank ( Truist Bank ) regarding their rational for freezing the account. After calling and stopping in the bank numerous times, they would only say that something was wrong with the deposit and that the " back office '' was investigating. However, they never supplied any documentation to support their claim. Further, I requested that the bank allow me to discuss the matter with their " back office '', but they have refused multiple times. This has been going on for over 45 days. I am a XXXX retired senior ( XXXX XXXX XXXX ), receive my XXXX retirement funds by direct deposit and need access to these funds in order to pay my bills. Please help me resolve this very distressing situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20723
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was able to open my checking account with Truist on XX/XX/23, but the account was forced to be closed due to an automated fraud alert. The exact date of account closure is unknown. However, when I called the bank and requested my opening deposit be returned to me via check in the mail, they informed me that they would not be able to return my opening deposit unless I went in person into the branch. This is unreasonable as I am XXXX XXXX, and making a trip into the branch is a great hassle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80031
Submitted Via: Web
Date Sent: 2023-12-26
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 lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: The bank offered me a cash advance and offered for automatic draft from account I agreed to that part however i was not notified that the account could not be debited my direct deposit clears once a month on the XXXX due to XXXX and no other funds are put into the account so they did a force write off and my account is suppose to exempt from any of this because its a federally funded money I recieve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: In XXXX, I obtained a mortgage security for XXXX XXXX XXXX, XXXX, Georgia, using my VA eligibility certificate. Unfortunately, around XXXX, I was wrongly foreclosed upon, and my case was included in a federal class-action lawsuit against SunTrust, where they were found guilty of mortgage fraud. Due to the class-action nature, I only received {$320.00} as compensation. Consequently, I became a homeless XXXX veteran, suffering from XXXX and XXXX issues as a result of the ordeal. I was informed that my entitlement would be restored, but I received no notices from SunTrust or the Veterans Affairs Regional Loan Processing Office. In XX/XX/XXXX, when attempting to retrieve my certificate for a transaction, I discovered that it was never restored. This not only left me liable to the VA for a repayment of {$36000.00} but also prevented me from using my entitlement to purchase a home. I contacted the VA over the phone and reported the issue to the representative in the regional loan office, but no action has been taken to investigate. I then sent certified mail to the Veterans Affairs Loan Processing Center requesting an investigation. Although the agent in their office signed for the mail on XX/XX/XXXX, I have yet to receive a response. The loan number is XXXX, and XXXX XXXX XXXX the Loan Specialist notified, has not responded to my request for an investigation into why I wasn't notified to correct this issue back in XXXX or whether SunTrust is still involved in securities fraud. They sold and traded that mortgage, probably continuing such activities, while taking away my entitlement, constituting securities fraud. I only received {$320.00} from the traumatic event, assuming that my entitlement was restored. I am seeking justice and an investigation into this matter. The contact information provided is no longer valid : ( XXXX ) XXXX. XXXX Claims Administrator National SunTrust Settlement Administrator XXXX XXXX It is unclear who to seek damages from for securities fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: From the second they merged and took over my former SunTrust account, Truist has been a clown show of incredibly poor, actually nonexistent customer service. I had this former SunTrust HELOC that was closed during the real estate crash when my home collapsed in value in XXXX. I had been making regular payments on time since to pay off a fixed rate remaining balance. On XX/XX/XXXX I PAID IN FULL the entire balance. I attempted to request both a PAID IN FULL/XXXX BALANCE/ACCOUNT CLOSED letter and also that Truist file the SATISFACTION OF MORTGAGE and send me a copy. The supposed customer service reps I communicated with seemed to believe this account is somehow still open. IT HAD BEEN CLOSED SINCE XXXX! IT IS NOW PAID OFF. ( XXXX ) I demand a letter acknowledging that this account is PAID IN FULL/XXXX XXXX and CLOSED. ( XXXX ) I demand that this be reported to the credit bureaus by Truist as PAID IN FULL/XXXX XXXX and CLOSED. ( XXXX ) I demand that Truist immediately record and file the SATISFACTION OF MORTGAGE and send me a copy.
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: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My brother and I created an account with Truist. After about XXXX days of depositing and spending money they closed both of our accounts. We went to see what was the problem and they informed XXXX their fraud team is the one that closed it. Even though we did nothing illegal. All we were doing was making money from betting apps like XXXX and XXXX. Literally nothing other than that. Which is legal in the state of Pennsylvania. Long story short, they informed us on XX/XX/2023 that we need to come back with a letter informing us why it was closed to get the remaining money in our accounts by picking it up at the bank. My account has $ XXXX and my brother account has $ XXXX A week and a half later we received the letters and went to the bank to pick our money up. They informed us a check was sent out on XX/XX/2023 and that we have to wait to get the check in the mail instead of picking it up. So we waited and never received a check. I called XX/XX/2023 and was advised that there was no check sent out and that it will be XXXX sent out tomorrow XX/XX/2023. I feel like they are just gon na keep giving us different dates and we have to pay our rent and other bills. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open a account with truist on XX/XX/2023 a couple days later I deposited a check for {$3000.00} iny account which they froze in said it would be available in a couple days I have p.o.a..they cashed it but it's still not available to me I can't take the check no where else because its been cashed at truist in they still haven released my funds in closed my account they haven't told me any thing but its under investagation
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: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 Truist ( LightStream ) opened a Credit Card Account in my name with my SSN, fraudulently. I never authorized or applied for that credit card account. The balance is over {$15.00}, XXXX. This violated my consumer rights as they issued credit in my name without my authorization or consent. I have credit freezes and fraud alerts on all three on my major credit reporting agency accounts - no new credit should be able to be issued in my name. On XX/XX/2023, I was notified by a credit monitoring service that someone was applying for credit in my name at LightStream. I immediately called their call center for fraud. They were able to positively identify me with my SSN, name, DOB. I told them that someone was trying to open an account in my name. I told them this was fraud. They were able to locate the account, and verified that someone had used a Fraudulent phone, email, and home address to open a credit application. They said they would flag the application as fraud and close it- but they never did. This also violated my rights as a consumer, as when I notified them ( LightStream/Truist ) that this was a fraudulent application, and they positively Identified me, after I told them this was fraud and wanted this application closed, they never closed it- thus exposing me to the risk of credit card fraud. The account opened XX/XX/XXXX. 2023 is a direct result of them not closing the fraudulent application for credit, of which I notified them on XX/XX/2023. This is abusive, reckless, and fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A