Date Received: 2022-03-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: All of a sudden, this month, I was charged a {$3.00} paper statement fee on my savings account. I have never had paper savings account statements mailed to me and never requested them. Truist apparently combined my checking and savings statement into one statement ( without notifying me of their intention to do so and without my consent to do so ) and is now assessing my savings account with a {$3.00} monthly fee to receive this statement. Although I do receive a monthly checking account statement in the mail, I have never been charged for that. And I certainly want that to conrtinue. Doesn't the federal E-Sign Act prohibit financial institutions from charging for paper statements when the consumer does not consent to electronic statements? Doesn't the financial institution have to provide paper statements, at no cost, although they may offer a discount to those who want to receive electronic statements? And how is this fair to someone who may not have access to the equipment needed to access and download statements online? Why should they have to pay more for something for which they may have no other way of accessing? This is completely unfair for them to charge this fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX there were 12 charges to my Debit card from XXXX. Charges range from {$.00} - {$69.00} 6 of the charges dropped off and never actually came through as charges. On XX/XX/XXXX I tried to used my debit card and the restaurant received a notice that the card could not be used, I immediately call SunTrust to notify them of the FRAUD issue on my account. I was not in New York on XX/XX/XXXX and XXXX and did not use XXXX. The last time I used XXXX was on XX/XX/XXXX for the amount of {$42.00}. I never got an answer why 6 charges were dropped off and didn't actually come through as charges but 6 charges are still on my account. The total amount for the 6 charges is {$240.00} XX/XX/XXXX {$6.00} XX/XX/XXXX {$44.00} XX/XX/XXXX {$62.00} XX/XX/XXXX {$15.00} XX/XX/XXXX {$69.00} XX/XX/XXXX {$44.00} Suntrust ( NOW TRUIST ) has given me no reason why they are denying this as FRAUD. When it clearly is FRAUD. I was not in New York on XX/XX/XXXX and XX/XX/XXXX. I was in XXXX, VA and if you access my phone location you can see that I was in XXXX, VA. And I was also at a restaurant in XXXX, VA on XX/XX/XXXX trying to use my card when I found out my card had been shut down by the bank.
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: 2022-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I would like to change the way I pay insurance and property taxes and I have been trying to get in touch with Truist for over a week now. The call wait times to speak to a representative about this have exceeded 60 minutes every single time. Not once have I been put through to talk to someone even after having waiting on the phone for over an hour. This is unacceptable and not consumer friendly behavior. As a homeowner, I should have the option to change my options in a reasonable manner with reasonable effort. I do no believe Truist has served it's consumers with this expectation. There is no other way to contact them without a visit to a branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78757
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 the loan or lease
Subissue: Billing problem
Consumer Complaint: I have made several attempts to contact SunTrust now known as trust. They refuse to acknowledge any payment and insist that my payments are late. Every time I call they either place me on hold indefinitely or hang up. I use an auto pay service and they refuse to accept the correct dates of payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54956
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: False statements or representation
Subissue: Told you not to respond to a lawsuit they filed against you
Consumer Complaint: I owed by a bank for a personal loan taken out years ago. A judgement was put on me. I was contacted by XXXX XXXX XXXX XXXX claiming they could solve my debt with BB & T now Truist and I would make regular payments to them. I made regular monthly payments of XXXX each month for 15 months beginning XX/XX/XXXX via my debit card on auto payment... then it just stopped. I called XXXX XXXX and they said my debit was paid. no further action was needed. On XX/XX/XXXX I was served papers again from The Court Of Common Pleas XXXX XXXX PA stating there was again a judgement against me and now a lean all documentation is attached
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
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 made a complaint on XX/XX/2020 against Regional Acceptance regarding a previous car loan and the account being sold to collections. Per Regional acceptance they did not sale my account. They only allowed for XXXX to handle my account. Which is completely fine by me. Since Regional Acceptance let XXXX handle my account, that means that XXXX can make decisions on there clients behalf. Which they did- when they agreed to a settlement of the amount of money owed, also the agreement of removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2022-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a SunTrust Mortgage. I was placed on forbearance during Covid. In XX/XX/2021 I called SunTrust to ask about repayment options. I was told that FHA mortgages were flagged and that I had to wait until further notice. Later, I received a letter in the mail saying my debt was being refinanced and that a new 30 year mortgage was going to be processed. I had already paid 10 years of my mortgage and I am XXXX years old so with a new 30 year mortgage I would be repaying this house till I am XXXX years old. That does not work. I want a partial claim. The partial claim was never processed, that I know of. Over the phone I was told I did not qualify for a partial claim. My loan is now in default. I call and spend hours on the phone. I need to reach client services but I always end on home preservation. I want to find out what my pay off balance and nobody has been able to provide it to me. I sent a request via fax, as instructed. Nothing. In the meantime I am billed late charges and fees. This system is designed to make you lose your house, to inflate your debt and provide zero resources to fix a problem. SunTrust does not provide an opportunity to meet with loan officer in person, calls get dropped, they ask you a million questions each time you call including your number and you never get called back when calls get dropped. It is just awful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33145
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing this inquiry and I would like to see the application of credit. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me. Please provide proof of permissible purpose by furnishing to n5 & 39 documentation of credit application with proof of signature showing that I indeed applied for credit with this company, elsewise delete the alleged inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Received a mortgage account statement with what appears to be a late payment fee from Truist. My mortgage is paid by automatic debit and was deducted on time. I have waited on the phone for over 2 hours and 25 minutes, and no one responds.
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: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-21
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I received a copy of my credit report today and discovered an alleged hard inquiry, I do not recall authorizing TRUIST XXXX XXXX inquiry and I would like to see the application of credit. Under the Fair CreditReporting Act, no one may access my credit without my permission for the purpose of extending credit. U.S. Code, 15 U.S.C. {$1600.00} et seq. Section 604 states that all users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report.Understand that I contest the reporting of the above noted inquiries and challenge for the demonstration of the confirm = physically verifiable proof of a validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was factually identified as being me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29209
Submitted Via: Web
Date Sent: 2022-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A