Date Received: 2022-03-19
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 1. I was charged a {$36.00} over draft fee for check number XXXX on XX/XX/XXXX. 2. End of day balance for XX/XX/XXXX was {$1.00} AFTER the {$36.00} fee. 3. This fee was based on PENDING items. 4. PENDING items are monies not yet requested by the merchant. 5. PENDING items do not always occur and some will drop off. 6. It is not accurate to access fees based on these PENDING transactions. 7. Accessing fees on PENDING items are nothing more than a money grab by irresponsible banking systems. 8. AND by assessing this fee now, those PENDING items, when or if requested by merchant will assess further overdraft fees. 9. Lastly, BB & T is noted as provider on my account, I was not, nor have I been a BB & T customer.
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: 2022-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have been reporting on a Fraudulent Loan against my home. I have had several conversations with Suntrust that illegally transferred debt to my home through two different mortgage accounts. I have had the first mortgage investigated by XXXX. XXXX that confirmed there was not a mortgage against my home. It is not on my credit report etcetera. Then in XX/XX/2021 I was alerted that a fraudulent lien against me had been recorded in XXXX XXXX. I have reached out to Suntrust and Truist for a pay off or record of missed payments and they have refused. I contacted XXXX. XXXX of Truist once again to research this second fraudulent mortgage with no answer. XXXX XXXX XXXX used fraudulent documents and information he sent to Suntrust Legal Department about how and why I was responsible for this new Heloc loan. He reported that I agreed to this mortgage through Probate that has been reopened and Judge XXXX XXXX did not rule for or against my suit against XXXX XXXX, He retired to not rule against a colleague that was in default and had acquiesced. In civil court he was able to win legal fees but after I filed a formal complaint against XXXX XXXX XXXX for denying equal and fair justice and Bias against me as the XXXX self represented. The court ruled that XXXX XXXX had to dismiss his case for legal fees which he did. However, XXXX XXXX XXXX allowed XXXX XXXX to schedule another hearing while denying the Plaintiff to be heard at all. This will be XXXX XXXX third time being heard in private, telephonically while the Plaintiff was refused equal protection under the law. XXXX XXXX never removed his legal fees. So he has once again is trying to get legal fees from three different judges. XXXX XXXX has had the upper hand because he has been able to use XXXX XXXX that have allowed him to record and behave as a thug and criminal. He can use a XXXX in XXXX XXXX to file for Bankruptcy to avoid taxes and public records and judges to remove him and destroy XXXX XXXX XXXX XXXX XXXX mortgage fraud lawsuits. He has worked in XXXX XXXX till a death occurred but still have gone unpunished. The multiple dockets, rotations of judges and personal representatives in public records XXXX XXXX and XXXX XXXX XXXX has been his accomplices in his crimes against me. Down to the fact he had a docket that was unknown to me where my Irrevocable Marital Trust was destroyed. The legal fees and fraudulent documents and NO OVERSIGHT HAS ALLOWED XXXX XXXX TO GET AWAY WITH EMBEZZLEMENT AND MORTGAGE FRAUD AGAINST ME AT A COST OF OVER XXXX XXXX DOLLARS. XXXX XXXX CO-CONSPIRATORS MUST BE BROUGHT TO JUSTICE TO PROTECT THE PUBLIC. SUNTRUST NOW TRUIST MUST RELEASE THE {$0.00} BALANCE THAT XXXX XXXX AND XXXX XXXX OF XXXX SC SIGNED WAS PAID OFF UNDER PENALTY OF PERJURY. XXXX XXXX. XXXX MUST RELEASE THE PAY OFF OF THIS FRAUDULENT TRANSFER. Under the law or be held accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is the third time in three months that truist has been out ; online access was completely down for the site on XX/XX/2022 ; wait times to contact a rep for assistance were over an hour and the lines kept disconnecting. Each time suntrust/truist locks me out of the account, I end up getting an overdraft fee from not being able to manage the account. This has happened in XX/XX/XXXX and in XXXX, each time coinciding with vendor/bank sided outage to the site, and no ability to contact customer service. I had to physically drive to a branch ( that reeks of XXXX and had customers stating hateful XXXX comments about the tellers ) and while they were able to get me back into my account, they weren't able to help with the overdrafts, which ttuist is forcing by locking me out of my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2022-03-19
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I have been victimized by XXXX XXXX XXXX XXXX and THE XXXX CIRCUIT CLERK OF COURTS PUBLIC RECORDS BANKSTERS AND JUDGESTERS ON A ROTATION OF DOCKETS AND REFUSAL TO FOLLOW THE RULE OF LAW. RECORDING ANYTHING LAWYERS HAVE WITHOUT OVERSIGHT THAT IS ILLEGAL BIAS AND FRAUD. SUNTRUST BANK LAWYERS AND DIRTY LAWYERS CREATING FRAUDULENT MORTGAGES AND REFUSING TO RELEASE THE {$0.00} Balance that is what I need today. Truist XXXX XXXX XXXX XXXX will not give satisfaction of loan that is {$0.00}. XXXX XXXX at Suntrust facilitated this fraud with XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: On XXXX XXXX I deposited a check for $ XXXX from XXXX XXXX XXXX into my TRUIST checking account ending in XXXX. I received a receipt from TRUIST with a notice of hold as follows : {$5300.00} held with an availability of XX/XX/XXXX. I only saw two large debits that were unrecognizable to me since I had not made such transactions. I did not do a screen shot, but I called TRUIST. I was on hold for over XXXX hours and the call dropped. I called again and was on hold for over an hour and was dropped. When I checked my account again later that day the transactions were gone. I still had not received the release of XXXX I tried to contact TRUIST for two more days and the long holds and being dropped continued. On, or about XXXX XXXX I notice an increase in my account but no indication was in the ledger showing the amount electronically deposited. I visited a local TRUIST branch on XXXX or XXXX XXXX and discovered that {$5500.00} had been deposited and could only be seen by the bank. It still had not registered in my online account ledger. We realized that it was {$220.00} short of the full {$5300.00} held amount. I was informed that it must have been deposited on XXXX XXXX. But we could not find it in the system or on my online account. I can not account for {$220.00} added into my account. The receipt also stated that on XX/XX/XXXX, I would receive from hold {$8400.00} which would be the remaining amount held from the $ XXXX. on XXXX XX/XX/XXXX I only received {$8000.00} and when I called TRUIST the technician could not assist me because she could not find in the system the whereabouts of the {$47000.00} that did not carry over from hold. I am still attempting to reach some one in my local branch without success. I am missing a total sum of {$700.00} that did not, and can not be found in the TRUIST system owed to me from when they held the initial $ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22407
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a Truist bank account that I only really use once in a blue moon, because my parents can quickly transfer funds over in case of emergency. I transferred {$4500.00} into the account on XX/XX/XXXX, and attempted to use those funds to pay a XXXX bill. The payment was bounced back twice ( most recently on XXXX, I believe ), with the reason given that the account had been closed. If I log in to Truist 's website, my account shows an available balance of slightly over the deposited amount, and makes no indication that the account is closed. I spoke with Truist customer service today ( XX/XX/XXXX ) and learned that my account had been placed in " inactive '' status due to me not using it for over a year- which is probably true except that I had successfully deposited {$4500.00} last month - and the ONLY way for me to remedy this would be to physically walk in to a branch and request a temporary debit card. The nearest physical branch is three states away, so obviously this is not an acceptable solution. Truist has effectively deprived me of several thousand dollars. I'd be fine with it if the inactive status didn't let me transfer the money in the first place. I'd even be okay if I had to call and have someone manually override the system. But this is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53703
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
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: Ever since SunTrust became Truist, I have been unable to contact customer service. Online chat feature is disabled and no branch appointments available within 100 miles. Phone wait is hours long. I deposited {$2000.00} to a checking account on XX/XX/XXXX and on XX/XX/XXXX {$240.00} is missing. I have not used the account and no transaction appears to explain the missing money. This is the worst bank I have ever dealt with. Zero customer service and disappearing money. Help!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 281XX
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have sent verification showing the owner agrees that I was not a co-signer I have filed identity theft I have had this account removed several times and this account is no longer owned by the company that started this fraud
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75231
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had a mortgage in good standing with SunTrust bank, which became Truist. Our first payment to Truist was due on XX/XX/XXXX. -I submitted the payment on XXXX from the same bank account I had always used to pay our Sun Trust mortgage bills, which has adequate funds to pay the loan. XXXX XXXX we received notice that the payment had been returned. XXXX XXXX we resubmitted payment, assuming that we had entered the number wrong. We received email confirmation that the payment was received and our online Truist account showed a balance of {$0.00}. -On XX/XX/XXXX we received an email from Truist saying that there was a problem with the payment and that it had not been processed. -On XX/XX/XXXX we received a letter from Truist that our automatic draft had been canceled and that this may affect our credit score. -On XX/XX/XXXX, before making any calls, we looked at our online Truist account, which showed that our payment had been received and that we have an outstanding balance of {$0.00}. ( XXXX attached. ) Our bank account shows that no payment has been made to Truist. -On XX/XX/XXXX we called Truist. After waiting nearly an hour, we were told that our Truist account shows that we've already paid for XXXX, despite the letters we've received in past days and even though we can see that the payment has not come out of our bank account. Before we could sort out the problem, the customer service representative transferred our call to another person whose number wasn't in service and the call disconnected. -After waiting on hold for another 30 minutes, we finally reached another representative who insisted that our bill had been paid, despite the fact that we had received an email the day before saying that there had been a problem with our payment, and despite the fact that the funds have not been debited from our bank account. We finally just submitted an additional payment for the full monthly mortgage and received an email saying that our payment is being processed. We can only expect that this payment will also be rejected. Given the timing of past transactions, we will need to wait an entire week before we receive notice one way or another. We have confirmed multiple times that we're using the correct bank account information and that we have adequate funds. Meanwhile the bank is unable to even confirm whether our payments have gone through. We feel trapped. Our credit scores are at risk, and we face the prospect of exorbitant late fees. We've been trying for nearly 3 weeks just to pay our mortgage. It should not be this difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01970
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have a checking account with SunTrust which is now Truist. On XX/XX/21 a check was forged and cashed for {$9800.00} which was originally issued to XXXX life insurance for {$260.00} written on XX/XX/21. The name on the check was changed to XXXX XXXX Checking acct no XXXX, which was immediately suspended and now with the merger the account information is no longer visible to me. A dispute affidavit was submitted on XX/XX/21 and a fraud case was created with Suntrust no. XXXX A police report was filed with XXXXXXXX XXXX Sheriff, report no XXXX with deputy XXXX, XXXX. Calling the fraud department, I have corresponded with XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX with no resolution. They always say the case is pending and can take up to 120 days. Allegedly XXXX XXXX is investigating however, he will not respond to my emails or return phone calls. It has been 211 days and we have not seen any return of our funds. I tried to get some resolution on XX/XX/XXXX and spoke to and emailed XXXX XXXX with the demand of action with no avail. I notified them that I was imposing a fee of XXXX per day starting XXXX. They promised a phone call but nobody has responded. They have refused to work with the local sheriff department. Please call or email me if you need more information. Needless to say Im very frustrated with this process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43004
Submitted Via: Web
Date Sent: 2022-03-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A