Date Received: 2023-12-21
Issue: Problem when making payments
Subissue:
Consumer Complaint: I believe there's a chance that XXXX loan payments I made to this account were not properly credited, based on the fact that the remaining balance never changed after both payments. After a payment of {$23.00} on XX/XX/2023, my remaining balance showed as {$18000.00}, which I assume is accurate and I have no reason to dispute that number. But on XX/XX/XXXX, I made a payment of {$8.00}, yet the remaining balance on the loan only went down by XXXX XXXX, to {$18000.00}. On XX/XX/XXXX, I made a payment of {$8.00}, and my remaining balance remained the same, showing {$18000.00}. I did call the company to inquire and the agents said they saw the payments and did not know why the balance did not change. Unsatisfied with the lack of clarity on why the balance didn't change after XXXX payments, I am seeking the CFPB 's assistance in getting the loan company to appropriately address this. The balance may have been correct and there may not have been error on Light Stream 's part, but I'd like someone to see my attached screenshot and just explain that to me. Or, if there was possibly an error on their part, I'd like them to acknowledge it and correct it. Thank you for looking in to this matter!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93710
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: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act, this creditor has violated my right to privacy. Section 602 of 15 USC 1681 states that I have the right to privacy, and section 604 ( a ) ( 2 ) states that a consumer reporting agency can not furnish an account without my written instruction. Additionally, under 15 USC 1666b, a creditor can not treat payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed after looking at my credit report that I had a few hard inquiries, that I didnt recognize. I have not given anyone permission or any form of authorization to run my credit report. Could you please remove this from my report. I have no knowledge of any of these accounts. These inquiries involve identity theft and must be removed no later than 4 business as per U.S Code 1681c-2. Please and thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75217
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I stayed with Truist bank because i was going through a hard time catching up with bills and would occasionally have to run negative for a few days until my next paycheck, i stayed with them because they advertised that they had to overdraft fees, over the course of the last 6 months, they have charged me {$1600.00} in overdraft fees, sometimes XXXX a day. My account was negative $ XXXX {$70.00} after paying LAST months rent. A few days ago now i am negative {$340.00} as of this because of just overdraft fees, I am about to be evicted ( my apartment sends a 10 day eviction notice after 3 days of being late on rent ) and lose my car and I don't know what to do, their hold times are sometimes 30 mins to a couple hours and when i get ahold of someone they are absolutely no help and tell me theres nothing they can do. They pretend to care and have this comforting persona right before telling you how much I'm out of luck. I cant believe this is how they do business, slowly losing everything. They take advantage of you at your lowest point and make it even harder to live. I have been playing catch up since this whole thing started and i just simply dont make enough at my FULL time job to balance out their extreme overdraft fees. Totally aside from my main concern but still a SERIOUS issue, one morning i woke up with {$300000.00} in my account, feeling like my prayers had been answered, moments later my account was negative {$600000.00} they had deposited someone else {$300000.00} check into my account for a gentleman named XXXX, ( my name is XXXX, not XXXX ) They froze my account for a week, then didn't say anything to me, when i showed up to the bank confused, and angry, account negative {$600000.00}, all they did was apologize and say they would refund the overdraft fee. Also, they left the check on my mobile app showing all of this guys account information ON MY ACCOUNT.. most likely not telling them they have given some complete stranger his retirement check and GAVE ME HIS ACCOUNT INFORMATION. All of which i have screenshots of this whole process. If that had gone to the wrong person, this poor guy could have had all of his money taken. Extremely unprofessional and dangerous. Not to mention this went down right before my car payment and insurance payment. Couldn't use my account for a week..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have provided the company with proof that I paid the loan off. It was a {$35000.00} loan. I paid it on time every month. I have provided the bank with proof I made the last payment. It is saying I missed the last payment. Why would I pay the entire loan down and then mess it all up by not making the last payment? It was with Lightstream that then turned to Suntrust and now it is Truist. It has changed two times and no one will respond to me Truist. They told me there is nothing they can do about it. I received this response from Lightstream when I tried to have them fix it. The amounts that are provided by Truist as money owed and money paid do not match the emails I provided that are from Lightstream, proving that the information no matter what is in error yet they have refused to change it. " We are unable to assist you directly here at LightStream as we do not have the loan any longer. The loan is now with SunTrust Bank Recovery Department. '' When I tried to speak with SunTrust they refused to speak with me any other way than on the phone. It is my understanding that they violated the ADA by demanding that I only be permitted to communicate with them by phone to have my credit report fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage is with Truist. I bank with XXXX Bank. I use XXXX XXXX to pay all my bills. When I use bill pay to pay Truist, Truist will NOT accept electronic payment from XXXX. My bill pay actually cuts a check and sends it in the mail which significantly increases the amount of time it takes for Truist to record my payment. All sorts of other financial institutions and companies accept electronic bill pay payments from XXXX but not Truist? Why is one of the biggest banks in the country refusing to let XXXX Bank send the payment electronically? XXXX has tried to make the change at least twice for me but Truist won't accept the money electronically. Again, this significantly delays the amount of time it takes to record my payment to Truist. Thank you for your attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 440XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: While checking my balance on Sunday XX/XX/23 I noticed fraudulent charges pending from XXXX and XXXX totaling XXXX. I locked the account and called Truist immediately to dispute the charges. After reviewing the disputed charges with the representative I was ensured that another card would be delivered and no further action was needed. Wednesday XX/XX/XXXX I notice that the pending charges have gone thru and the app shows no pending disputes. I then manually dispute the charges again from the app. After an hour on hold I am informed that no case for the charges had been opened prior to the action I took in the app and I review the disputed charges with the representative again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21045
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I am writing to formally dispute a hard inquiry that has surfaced on my credit report, under your company 's name, which I believe to be unauthorized. Upon careful review of my credit report, I observed an inquiry dated XX/XX/2023 attributed to TRUIST. I would like to emphasize that I did not provide authorization for this inquiry, and I am seeking your immediate assistance in conducting a thorough investigation to rectify this matter. The unauthorized inquiry is impacting my credit score adversely, and I am concerned about its inaccurate reflection on my creditworthiness. Details of the unauthorized hard inquiry : Company : TRUIST Date : XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 Reported to bank 's fraud department that a fraudulent check was deposited to my account. Asked bank representative to freeze account and close debit card. XX/XX/23 XXXX direct deposit {$350.00} taken by bank to offset fees XX/XX/23 Received bank letter indicating deposited item being returned as fictitious item XX/XX/23 Received bank letter indicating investigation closed XX/XX/23 Letter received from bank indicating account closure. XX/XX/23 social security XXXX benefits received by bank verified by trace # provided by social security XX/XX/23 Went to bank to pay any fees and close account. Representative indicated account closed, social security XXXX returned to them as they could not post it as account was closed. XX/XX/23 called bank advising social security treasury did not receive funds back. Upon bank visit, learned social security posted for {$2400.00}. Bank took {$520.00} for fees and overdrafts was told by associate I could withdrawl {$1900.00}. Visited bank, informed account frozen for XXXX business days. Bank would not unfreeze social security XXXX even after all fees and negative balance was taken care of. Told I could possibly get funds on XX/XX/23. Asked bank how they could freeze federal XXXX funds, was told they can do what they want. Advised by associates to leave bank as it was closing time. Because funds were frozen, cable and cell phone turned off. Landlord started eviction process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
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: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: From approximately XXXX no one at Truist Bank should have accessed my bank account/information as I did not conduct ANY bank business during this period. On XX/XX/XXXX my XXXX and I had a civil dispute and between XX/XX/XXXX and XX/XX/XXXX, he went into the Truist Bank and spoke in person with an employee. That employee provided him with my private savings account balance, information on the method on how I sign into online banking and other unknown information. The employee, who was friends with a retired law enforcement officer was provided the same information without my authorization or consent. I went to the bank and spoke with the manager on XX/XX/ and he said an investigation would be done. To date, the bank refuses to provide me with the results of this investigation or tell me who at the bank was in my accounts during that period of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21502
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A