Date Received: 2023-12-24
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: As per the Fair Credit Reporting Act, specifically 15 USC 1681 section 602 ( a ), there is a stipulation emphasizing the responsibility of consumer reporting agencies to handle their duties with fairness, impartiality, and respect for the consumer 's privacy. I, as the consumer, assert my right to ensure the non-disclosure of my private information, supported by 15 USC 6801, which establishes the obligation of financial institutions to respect customer privacy. Entities providing information to credit agencies, falling under the definition of financial institutions, are bound by 15 USC 1681 section 604 ( a ) ( 2 ). This section dictates that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the concerned consumer. The financial institution, as well as the consumer reporting agencies, lack my consent to furnish this information, and any form of consent, be it verbal, non-verbal, written, implied, or otherwise, is hereby revoked. 15 USC 6802 ( b ) ( c ) emphasizes that a financial institution may not disclose nonpublic personal information unless the consumer is provided an explanation of how to exercise the nondisclosure option. The entity providing information to credit agencies failed to inform me of my right to exercise this option. Furthermore, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including certain adverse information in consumer reports, particularly items that antedate the report by more than XXXX years. The adverse item being reported without my permission constitutes a violation of the law. Additionally, 15 U.S. Code 1681s2 ( A ) ( 1 ) states that a person shall not furnish inaccurate information to a consumer reporting agency. Furthermore, 15 U.S. Code 1681e mandates that every consumer reporting agency maintain reasonable procedures to avoid violations and limit the furnishing of consumer reports to specified purposes. XXXX XXXX, XXXX, XXXX, and XXXX are found to be non-compliant with these reasonable procedures. Lastly, in accordance with 12 CFR 1016.7, I am exercising my right to opt out of the reporting services provided by your organization. Also I am writing to address the XXXX status associated with my XXXX profile, citing the Fair Credit Reporting Act, specifically 15 USC 1601. This section asserts the XXXX account as a certificate of XXXX, potentially considered as income. Given this classification, I kindly request the adjustment of my XXXX account to " XXXX XXXX XXXX '' to accurately represent the resolution of this XXXX. This action not only aligns with legal principles but also ensures the proper reflection of my XXXX status on my credit report. Furthermore, in compliance with XXXX XXXX, income arising from the discharge of XXXX in certain situations is not reportable. Therefore, marking the XXXX account as " XXXX XXXX XXXX '' would appropriately address the legal classification and adhere to the requirements set forth in 15 USC 1601. I appreciate your prompt attention to this matter and request written confirmation of the updated account status once the necessary adjustments have been made.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have inquiries on my credit report I have no knowledge of.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11413
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: The account XXXX was sold but still reports a balance. I know that reading my credit report TRUIST/XXXX says that the account is a charge off, which is debt that has been discharged and you took a tax write on. After contacting the IRS, they explained that it was illegal that you were reporting this information to my credit report trying to collect or having a charged off status. This is called tax fraud upon the IRS, and you will be reported for such. I demand you to remove this item from my credit report and send the 1099-c so I can audit it to make sure you are in compliance. You violated the FCRA 15 USC 1681eb by reporting information that's not 100 % accurate. The IRS directed me to file form 3949a for illegal tax violations upon your company. I'm quite sure your CEO OR VP would not want to be in court for this matter. Any US Code in the FCRA that any corporation violates the consumer is entitled to actual damages and monetary compensation. See attached credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: On XX/XX/2023, I deposited a government check ( IRS tax refund ) for the amount of {$59000.00}. I was advised by the teller that it could take 7-10 days to clear the check. Knowing I have bills coming out automatically, I deposited {$800.00} in cash to cover my bills. The next day I could not access my account. Truait blocked my entire account. I was told to wait until everything clears. After several attempts to try to have truist release my funds, I was told that they can't do anything until and just have to wait. How long can the bank put my account on hold?
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: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a XXXX card from my father with a check for {$2000.00} in it, the same thing he sends every year. I used the mobile banking app on XX/XX/23 to deposit it in my Suntrust ( Truist ) checking account which I have had for at least 30 years with no history of any issues. Almost immediately after submitting the deposit, I received an email informing me that Truist put a 14 day hold on it. The email indicated that the hold was placed because of " confidential '' information indicating that the check would be returned. I contacted Truist customer service who informed me that they couldn't do anything and that only a branch manager could remove the hold and that I should go to my nearest branch. I drove an hour to my nearest branch and they said they couldn't do anything. I called customer service who repeated that they couldn't do anything and only a branch manager could remove the hold. The next morning I received another email from Truist indicating that a 14 day hold was actually put on the deposit because there was contradictory information on the check. I again took the check to the closest branch ( XXXX, NC ) who looked at the check and took down the information. They said there was nothing wrong with the check but they couldn't do anything because I didn't make the deposit there. I again called Truist customer service who said they couldn't do anything. So here I sit with my XXXX money confiscated by Truist for 2 weeks for no good reason, no way to appeal or reverse the decision, and not one person in this Company who appears to care. Truist gave 2 different but unrelated reasons for the hold. That alone should be enough to call the hold into question. Additionally, you get no warning before submitting the deposit that they are going to seize it and once you do, it is too late. You are at their mercy. Either there algorithms are faulty or they are intentionally holding people 's money to make money for themselves. Either way, there should be process to review and override these actions. As it is I will be story telling for years about how Truist stole my XXXX money. I've already closed one account on XX/XX/23 as a result of their actions. I'll closed the other one just as soon as they release my {$2000.00}. That you. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023 I went in with my XXXX to the Truist Bank Branch at XXXX XXXX XXXX XXXX, FL XXXX to remove my XXXX from a secondary account holder and add her as beneficiary. We were both there to sign the necessary papers. XXXX XXXX the service representative, told us that we couldn't modify the existing checking account. She said we either close that checking account and open another with me as the account holder and my daughter as beneficiary or we could leave the bank and close the account. I was forced to open another checking account and my XXXX was listed as beneficiary. Then she said she couldn't give me in writing that my daughter is a beneficiary. She said that information is internal. This has been the worst experience of my life. I have a very old checking account that has many benefits that I am not willing to loose. I left the old checking account with {$100.00}. The new checking account I was forced to open I withdrew the funds and only left {$6000.00}. I am not very happy with this bank. This bank needs to give their customers a copy of the signature card were the beneficiary is listed. That information is not internal. The customer needs that information for their records. Also, I didn't want a new checking account. I wanted to modify my existing old checking account and list my daughter as beneficiary. I have gone to many other banks to inquire about this and none of them treat their customers like this. I'm XXXX XXXX XXXX shame on you Truist Bank. This is elderly abuse. XX/XX/XXXX XXXX XXXX filed a complaint on my behalf with Truist and the way they do business. I put another complaint with the supervisor about XXXX XXXX the service representative. XXXX XXXX is very rude and shouldn't be dealing with the public. She needs listening skills. XX/XX/XXXX I went to XXXX XXXX the supervisor at the same Truist branch for help on my old account she sent an email so my daughter could be removed as secondary account holder and listed as beneficiary. I also requested a copy of the signature card. XX/XX/XXXX Truist answered her email and refused to modify my old checking account. They gave XXXX XXXX the supervisor the permission to give me a copy of the signature card. How ridiculous, what I went thru to get a copy of the signature card. XX/XX/XXXX I received an email from Truist Bank so I can rate the service I received. I gave them the worst rating possible. Then I put my phone number so they can call me. From the first complain to this one I have yet to receive a phone call. Please help me. I'm XXXX XXXX XXXX. I've had this checking account for almost XXXX years. I don't want a new checking account. I want to modify my existing checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33165
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: There is no telephone number listed for the XXXX XXXX XXXX in the Truist document XXXX. Their instructions clearly state that I should contact the XXXX XXXX XXXX to request the ESCROW FEE WAIVER. I contacted TRUIST customer service and the agent, at first, didn't understand what I wanted. He would not connect me to the XXXX XXXX XXXX, despite repeated requests. Eventually, he said I didn't qualify for an ESCROW WAIVER. I asked him what he was basing this evaluation on, and he refused to tell me. I continued to ask to be transferred to the XXXX XXXX XXXX, as per the Truist document instructions. He refused and hung up on me. In XX/XX/XXXX, Truist did not pay my property taxes, despite receiving the notice of amount due in XX/XX/XXXX. In XX/XX/XXXX, I received a notice from the county property tax collector stating my property taxes were not only in arrears, but a penalty and interest had accumulated. I immediately contacted Truist and asked why my taxes had not been paid. To make a long story short, it took me multiple telephone calls to Truist to ensure my property taxes were paid. I also repeatedly called the county tax collector and explained I was working on it. I am ultimately the one responsible for paying my escrow, which I understand. However, Truist requires me to pay them a set monthly fee for my escrow, which they accumulate interest free, agreeing to pay my escrow, including property taxes. In XXXX, Truist failed to do this until the taxes were overdue, causing derogatory credit information for me. In XX/XX/XXXX, Truist received a statement of a new bill for property taxes. In late XX/XX/XXXX, I received a notice, again, from my county property appraiser, that my property taxes had not been paid, and that if not paid by XX/XX/XXXX, penalty and interest would again accrue. I contacted Truist, again, on XX/XX/XXXX, to ask why my property taxes had not been paid and when they would be paid. I did not receive an answer. I warned them that if they did not pay the taxes, a penalty and interest would occur again. The next day, XX/XX/XXXX, Truist sent notice of payment of my property taxes. If I had not contacted Truist, I have no doubt they would have not paid the taxes on time, for the second year in a row. This is unacceptable. Truist collects escrow money from me and pays me no interest on this money. Then they do not pay the property taxes when due. I wish to manage my own escrow account for my mortgage. I followed the proper procedure as outlined in the Truist document I mentioned previously, and attempted to request an escrow waiver, only to be rebuffed, and denied this right I have to an escrow waiver. Truist is an irresponsible financial institution. While I am obligated to pay my mortgage, I am seeking to take over the payment of my taxes and insurance so I can ensure they are paid on time, something Truist has failed to do, as is legally required of them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Called Truist as to why they charged {$3.00} on my business checking account. It showed as force pay debit. I received no letter with explanation. They could not tell on their side that it was a bank assessing the fee and had me on hold for 2 hrs with the fraud department and then they just asked me at the end to go to a branch. I still do not know true issue. They didnt tell me what the {$3.00} was for and would not confirm on the phone if it was a fee from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22203
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: UNAUTHORIZED CHARGES : XXXX XX/XX/XXXX {$69.00} XXXX XX/XX/XXXX {$93.00} XXXX XX/XX/XXXX $ XXXX my Original ATM Card, Then XXXX XX/XX/XXXX $ XXXX a Newly Activated ATM Card **One day, I happened to check something from my Online banking at this Truist and I noticed ( XXXX ) ( Unauthorized Charges ) that I DID NOT CREATE! First thing I said to XXXX GOT HACKED! So, around XX/XX/XXXX, I began to Dispute all three of them, and my ATM was automatically BLOCKED. And that I would receive a new XXXX in XXXX days. In my dispute I heavily mentioned that I did not lend out my ATM Card, my ATM Number, XXXX anything! In fact, I also mentioned that I have NOT made a transaction with this particular merchant, XXXX, since around XXXX XXXX, XXXX! So, Fast forward, I received a letter in the mail from this Truist Bank, Dated XXXX/XXXX/XXXX. It was an explanation letter dealing with these XXXX transactions that I claimed were not mine. In the letter it was explained that after they reviewed my dispute claim, that they could Not XXXX my claims here! And their so-called reasoning behind their decision, almost knocked me off my chair!!! They stated that the reason why they denied me of anything was that ( I had a history of XXXX transactions with this merchant before ), which to me, made absolutely no-sense at all! I mean, just because I HAD, HAD a history with this business, that it AUTOMATICALLY makes my claim.NOT VALID? And this is what I said when I called this Truist XXXX XXXX. and I complained about to someone. I never got her name, and of course, it was like fighting a parking ticket! I was MAD! XXXX Taken, felt helpless, but I continued listening to her and she wanted me to next do the following : To contact XXXX and get as much info., as I could about all these XXXX transactions, ie. What was bought, Names, XXXX addresses, etc., which I did. So, from the advice from the bank person, I agreed to try that. This way its just purther proof of my claim? XXXX, on XX/XX/XXXX, I contacted via phone XXXX and spoke with a supervisor. I forgot to get her name though! But I was able to get some information I wanted but not all of it that I needed, because of XXXX policies! Like, for the first XXXX charges in the month of XXXX, I was able to learn what was purchased on these XXXX dates and a XXXX XXXX only of a ( XXXX ), associated with all XXXX of these unauthorized charges. NOTE : There is not, never been an association with any XXXX in my life nor in my familys life, .friend or foe! I was unable to get this XXXX last name nor was I able to get any type of shipping address for these XXXX transactions which would have been nice to know as well. So, I was unable to gather everything the bank wanted me to gather to show to them, ( the Dispute team ), to further pursue this XXXX! And AGAIN, but from XXXX this time, I felt Taken & Hopeless! **NOW, To add insult to injury.On a day, that I failed to write down, the date, was when I activated my NEW Bank XXXX XXXX XXXX *Had to be before between XX/XX/XXXX and XX/XX/XXXX! WOW, could not believe it! My new ATM card, with a NEW Number, that was only 3 days activated, was Hacked AGAIN! And I said to myself.How the XXXX could this be? I just activated it! On XX/XX/XXXX, from XXXX again. I immediately contacted XXXX again but this time, they refused to give me ANY information, at all! **So, from that point on, I decided to contact a few agencies online with my complaint about both the Truist Bank and this XXXX XXXX Like, FBI, FTC and here> And XXXX try to do the same with any other site that will listen to me and take my complaint seriously! On XX/XX/XXXX, I made a call to the XXXX XXXX of this Truist Bank and spoke with a XXXX, that stated to me that she could help me with my concerns. I Finally got a name this time.But this time, I do not want to give out her name! But, as usual ; the bucket got tossed again but Back again, with their XXXX XXXX, which they have been useless to me! And thats basically where I stand right now with this matter! **What I rather from that XX/XX/XXXX Truist Notice wasbeing that I had a HISTORY, A HISTORY, of undisputed charges with this online business, Even Though I did, but several months prior to these Fraud Claim Dates, that this Fraud Claim, by these Truist XXXX Bank XXXX XXXX DECIDED, that this claim to be found NOT VALID! PERIOD! And again, makes No Logical Sense to me and just does NOT seem XXXX or even Legal on how they treated this claim with me! Maybe next, Ill pass this complaint onto the FDIC as well? PS. At the end of this submission, I have seen that youll want to know if XXXX the one submitting this form, based on Myself? The answer I will be selecting be YES! But my loving father also has been assisting me in most of the issues dealing with all of this mess! Just to be clear here with all! XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18064
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I'm XXXX XXXX. Regional Acceptance Corporation did not have MY written permission to furnish anything on my credit report. Regional Acceptance Corporation has not furnished any documentation of validation ( sworn under oath ) or judgment that I owe an alleged debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A