Date Received: 2022-03-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: hi my name is XXXX I do crypto and I was lucky enough to sell my nft for a whopping XXXX I went to the bank opened up a sunny trust account a month ago and bingo I wire transferred XXXX in to my suntrust. ( XXXX - suntrust ) I went to the teller same day asked for XXXX she gave me it no problem. I did went to a car dealership to buy a car in doing so I had to get a cashier check. The banker told me XXXX cant touch my funds bc it has to be verified. I said thats weird she gave me XXXX at the other bank. Then I was like okay Ill wait 1 day passes they close my account the bank hasnt sent me my check. XXXX check Ive waited months and months. Please Im only XXXX XXXX XXXX I didnt do anything wrong I have recipes prof and conversation with binance agents on my email as well stating that the funds are with the bank. The bank hasnt gave me any info I go to the branch in XXXX XXXX she tells me theres nothing I can do. Please help this has been a month. Im sleeping at friends house for the time being Ive lost thousands of dollar due to not having the funds to invest. I have a XXXX XXXX Im XXXX. They have out me in the worst position ever. I have no idea what to do now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33161
Submitted Via: Web
Date Sent: 2022-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On or about XXXX XX/XX/XXXX - I opened the account with Truist. I never had any accounts with them during last 2 years. It was opened with an offer of {$300.00} cash back and for that i need to setup direct deposit. I already setup direct deposit for this account. Today ( XXXX XX/XX/XXXX ) -I got an email that - I can not take advantage of the offer. Called customer service... even after a wait of 45 minutes, the call is getting disconnected. Email states : Dear XXXX, Thank you for your recent enrollment into the Truist Checking Offer XXXX XXXX. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : Clients who have closed a personal checking account with BB & T or SunTrust now Truist, and/or Truist on or after XX/XX/XXXX are not eligible to participate in the promotion. If you believe you have received this notification in error, please contact Truist at XXXX ( XXXX ). Thank you for choosing Truist. We appreciate your business. Sincerely, Truist Offers Team When i tried login into my account- even the online login is also not working. Truist didn't sent any reset email.
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: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchaed my home in XXXX. Since that time my lender has been Suntust Bank. Late XXXX I was notified, that Truist Bank would be taking over my mortgage account. Which was fine until XX/XX/XXXX when I received a letter from Truist stating that they would be changing the date of escrow analysis from XXXX to the month of closing. In my case that is XXXX. They also informed me in that letter that I would be responsible for paying any deficieny of the escrow account at that time. My escrow analysis is in XXXX, so of course there will be a shortage as now they are analyzing 8 months in advance. This is a way to make sure homeowners like me are forced to either come up with additional money or have their mortgage amount increase significantly due to the bank changing the rules to fit their needs. I called Truist two times and both times I was hung up on my the service representative and was told that the escrow department does not speak to customers. I asked that I pay my taxes and insurance myself and they stated since I had an FHA loan this was not allowed and that I could refinance. AGAIN not an acceptable for financially beneficial decision to make. The rep stated " I should have known the terms of my FHA loan when I bought the house '' I am fully aware of the terms! What was not in the terms is that if a financial institution takes over your loan that they can basically strongarm you into the rules they make up as they go. This change will not only effect me, but I am sure thousands of other Suntrust customers. This seems like a great way for a bank to inflate a mortgage payment to an amount that a family has worked hard for will no longer be able to afford. Therefore leading to forclosure on a property the bank can now take over with a market vaule 10Xs what they bought the mortgage for. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32826
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2021 I tried to cash a check at the B B & T Bank ( now Truist Bank ) in XXXX, GA and was told by the teller that that check number had already been cashed ( fraudulently ) for {$4600.00} and while I was with the bank manager checking on the fraudulent check cashed against my account another check for approximately {$4800.00} was being cashed from my account fraudulently at that very moment. The bank manager, XXXX, advised me to close the old account and open a new account which I proceeded to do at that time with him. He said the bank had their investigators that would take care of the problem. They did finally replace my {$4600.00} after about 60 days, but they still have not replaced my other monies and we are almost 90 days out from the fraudulent claim being registered with Truist. They tell me every time I call about the investigation that they are still working on it. I left a message today for him to call me and update me and he never called nor did XXXX XXXX who the message was also sent to. They are jeopardizing my financial stability. I want to solve this quickly without problems but they are leaving me in a situation where I feel that I have to register a complaint with the Secretary Of State and with the advice of my attorney follow whatever directives they guide me to act upon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: Hello, I applied for a loan to purchase a new dump trailer. I was told that because I have a work authorization permit that can not lend to me. I have great credit and have not been denied for loans by other financial institutions for having a work authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85053
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called the bank for assistance when my check for {$150000.00}? was not deposited to my checking account. The check should have been deposited on XX/XX/2022. I have called the bank several occasions and waited on hold for an hour or more only to be told they have not received my payroll check from the XXXX XXXX XXXX XXXX. My XXXX and I verified that my routing number and checking account number provided are correct. I visited the back twice in person. The first time on XXXX XXXX I was told Truist/ SunTrust had not received my payroll check. This past Saturday XXXX I visited the XXXX Truist located at XXXX H XXXX XXXX. The Bank Manager called a Truist department that stated my check received on XXXX XXXX was held because it didn't match an account number. If this is true why did I receive my payroll check on XXXX XXXX for {$1500.00} from the same employer. Today is XXXX XXXX and Truist has yet to deposit the check into my account nor have they forwarded the funds back to the XXXX Department XXXX XXXX. I suspect I am not alone in this debacle. Hence the hour long holds on the customer service line since the merger in XXXX XXXX also provided a trace number and still was being told Truist didn't have my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22312
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I paid my Truist loan in full on XX/XX/XXXX, the electronic lien has not been released no one can rectify the problem. It has been over 2 weeks, the car is already sold and I need the title b/c the car is being shipped overseas and Truist has not gotten me the lien or pay off letter. I have tried repeatedly to contact them with hold times exceeding 2 hours. Again, they have not even released the lien with the State of Pennsylvania and I am unable to rectify the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18301
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I noticed my account was way lower then it should have been. When going over each withdrawal I noticed there were quite a few thats I didnt authorize. I reached out to my bank and canceled my card. I even closed my account down on the phone and got another phone so whoever had my info didnt anymore. I then get a letter from my bank that they are not going to honor my disputes and put the money back in my account. The letter that was sent to me had a phone number on there if I had questions. I called this number several times a day and was on hold for a hour EACH time. So for days I used my whole lunch break being on hold as well as at home being on hood for at least a hour. Never could get anyone on the phone to answer my questions. I have called different times of the day hoping for different results. I have received nothing.
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: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I've been trying to get into my online banking over a month so I'm not about to see the details about all these unauthorized transactions that the bank say I'm responsible for as well as a lot of the transactions they say they are dated back too far and can not be investigated I've been having trouble with this account since last year I've been with SunTrust now Truist
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A