Date Received: 2022-03-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX # XXXX Apparently this person forgot to mention the very large IRS Tax Fraud scheme she was involved in back in 2008. I've attached the filing for review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-08
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: This is the third time I have tried to get Truist bank to give me past bank statements demanded by Social Security XXXX. Without these bank statements from a closed account I am going to lose my benefits starting next month. XXXX from Truist called me twice over the past few weeks and all she does is lie to me and give me lip service and tell me the statements are in the mail. Today Social Security said if I dont have the statements next week theyre going to stop my benefits. Ive left several messages with XXXX from Truist and she never calls me back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My vehicle loan was originally through Suntrust and was transferred over to Truist. All of my account information is only accessible online. When I made my last {$620.00} payment to Suntrust, my principal balance was {$28000.00}. Unfortunately, since the company switched over, I can no longer see my prior balance or ANY billing information. I made my first payment to Truist on XX/XX/22 for {$620.00} and when I log in to Truist it shows ( AFTER the {$620.00} payment ) that my balance is now {$28000.00}. This would mean that only XXXX cents of my payment was applied to principal. When I log into Truist, there is NO prior balance information or anything reflecting how my payment was applied. There is also hardly any information to contact them except for a phone number. I immediately called them and after waiting on hold for an hour and a half, was told a manager would call be back within 48 hours. I called on Monday XX/XX/22 and still have yet to receive a call back ( now XX/XX//22 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XX/XX/XXXX a mobile payment transfer via XXXX was sent to whom I understood to be a family member only to realize the numbers were transposed and it went to an unauthorized individual and not the intended family member. XXXX XXXX XXXX. Upon near immediate discovery, I attempted, unsuccessfully, to cancel the transfer. I reached out to Truist via phone and they advised me to wait until it posted. As per Truist I did so and called again only to be told its too late to rectify. NOTE : this was the advice in the first place! They then directed me to claims/fraud department. I filed a complaint XXXX and was again advised to wait. As I waited was advised to contact the number and kindly request the money be returned. I don't understand how someone can accept such a high denomination under the financial institution 's watch and not have routes to take for errors of any kind especially considering it is the bank 's responsibility to provide commitment, protection, direction and at the very least provide proper communication to long time faithful costumers. Of course as instructed, contacted the number multiple XXXX, XX/XX/XXXX and XX/XX/XXXX with both texts and voicemails. At what point does this become harassment because now this complete stranger has my cell phone number and my banking info, my name and essentially has stolen {$1500.00} from me! Its becoming a safety issue at this point! After a month has passed I called for a status update and was told it has been resolved. Now this was news to me as I never received any notification via any of the multiple contact avenues you have for me. As far as I'm concerned its not resolved as I'm still responsible for these missing funds. Calling several days in succession only to hold for exponentially lengthy periods of time and never receive a return phone call with more poorly advised instructions. Attempting to actually resolve this, I filed complaint XXXX on XX/XX/XXXX with XXXX and XXXX XXXX with NCCOB on XX/XX/XXXX against Truist. Both claiming as operating establishments of business were both unable to retrieve my hard earned funds. AGAIN NOTE : I was advised as a simple consumer to " ask for it back, '' which is exactly what I've been doing with XXXX and Truist. I am equally unsuccessful which doesn't make sense considering the bank controls incoming/outgoing funds and can successfully retrieve any and all funds for overdrafts or other fees seen fit by the bank. The bank is also insured. I am not! I need to know exactly what steps were taken by the banks to inititate the return of my funds.. Apparently the thief was contacted by the bank if they claim they can't retrieve it. Is the individual refusing? The bank has that person 's info, I don't. I only have an incorrect cell phone number. They couldn't have been expecting funds from a complete stranger. How is this uncorrectable? Are their top secret banking communications I'm unaware of were only strangers can receive and keep funds without the ability to be contacted? And the bank who wants your business and wants to provide secure convenience turns the other cheek?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Opened a new checking account with Truist Bank online, XX/XX/2022. Deposited the minimum amount to open the account {$50.00}. The next day, the bank froze my account and has refused to return my {$50.00}. I have made two attempts to retrieve the money by personally speaking with bank 's representative at the branch in XXXX, Florida, XXXX XXXX XXXX, # XXXX. Called the bank 's main number # XXXX, several times but to no avail. All they tell me is that the account is under review. At this stage, I just want the {$50.00} returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33558
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: hi my XXXX dealership got me a loan through truist bank. i have been trying to reach them all day. i have been on the phone waiting 1 hour 15 mins no answer called a bank branch and went to voice mail. i am refi my house and the lender needs the account number verify the load. and they can't proceed until they have my new account number. i have never had this problem with any bank before. i have already heard bad reports about this bank form other people. so far i have a very bad feeling about this bank have they never answer their calls. even call the dealership and gave me the same numbe I just got disconnected from the bank of 1 hr 35 mins what
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: on XXXX went on line to start a bright checking account with turist bank, i provided my personal information how long at address- full name-address-tel # - e-mail address ssi # went to click on next step came up in error code # XXXX cant verify idenity therefore i called and left a voice mail message for XXXX XXXX, ( XXXX ) XXXX same day, no response from him as of today XX/XX/22 regarding to finish the application, regarding my personal information at turist bank is at risk, for online application signed and dated XXXX XXXX XX/XX/22
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am a licensed general XXXX in NC. ( no XXXX and currently XXXX ). I was a self ( with family ) financed developer building houses without banking involvement. XXXX Bank, now Suntrust Bank allowed XXXX XXXX to open a business account when in XXXX when she was no a member of the corporation. In doing so, XXXX XXXX XXXX was able to embezzle about {>= $1,000,000} from about XXXX until XXXX. She worked from my companies. About XXXX, I did established XXXX XXXX with the NC Secretary of State and list her as a member. I had no ideal that she had previously opened those accounts. After she was listed as a member, she closed out my accounts and went on to embezzle millions more threatened to injury our children, That Fact is, she is from XXXX, migrating to the United States in XX/XX/XXXX. I have included several attachments with exhibits to help you understand what they did. The they will be XXXX XXXX, Suntrust Bank and a bunch of lawyers violating federal laws. Please review the exhibits and attachments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Over the last year I have received multiple banks fees in error. I have no explanation for some, and others are the the result of Truist/Suntrust double charging my checking account for my monthly mortgage payment. I have been told that the bank will not reverse my fees because they have already " waived fees '' for me in the past. These " waived fees '' have been error corrections that I have spent hours trying to resolve, and when the bank finally admits that the error is their fault they promise that this will not happen again/the issue is solved. For the last 3 months since Suntrust/Truist have merged their banking platforms, I have had two withdraws from my account per month for the same mortgage payment. These withdrawals have led to overdrafts in my checking account for which the bank charges me. The bank has said they solved the issue twice now, but at the beginning of XXXX it happened for a 3rd straight month. I have now requested that all payments be stopped and the double payments be returned to my checking account so that my account is paid current, and not more. Upon returning this money to my account, I was charged ADDITIONAL FEES that were not discussed with me. I have spent over 12 hours on the phone in the last two months trying to sort out these issues. I have been dropped from 3 calls after waiting over an hour to speak with a representative. Suntrust/Truist will not offer any alternatives other than calling the same phone number that has repeatedly dropped my calls after hours of wait time and given me false promises that my issues are resolved. I currently have had almost {$200.00} in fees that are all no fault of my own, and I can not get ahold of a representative that can remove these and close my account. The mortgage department and banking departments take no accountability for their actions or communications with one another, and instead just push blame to the other department for me to handle myself while charging my fees along the way. I feel bad for all of the customers that have gone through similar issues. I feel even worse for the unknowing customers that Suntrust/Truist is practicing their predatory banking practices on to profit via fees from unassuming families that do not have hours in their week to dispute in hopes that their livelihood be rightfully returned. In this day and age, this bank needs to make ALL of the processes more accessible, including their fee dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Im contacting cfpb because my account was paid off on XX/XX/2021 and its still reporting on credit as a active account. I disputed the account with credit and the account was still updated with a balance of 13k when the balance has been zero for a year. My credit need to be updated immediately
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2022-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A