Date Received: 2022-02-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am inquiring about account numbers, which belong to my decreased brother. I am the beneficiary on these accounts. As of XX/XX/2022, I was told by representatives, I as the beneficiary could not close these accounts. I proceed to talk to the Regional Director and I was informed she would get back in contact with me regarding these accounts on XX/XX/2022. On XX/XX/2022, I have sent certified letters to the Chairman/CEO and President/COO. Could you please help me with this issue? As of today, XX/XX/2022, I need to know what's going with these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21133
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Unauthorized inquiry to my consumer report ; demand for {$1000.00} settlement To SUNTRUST XXXX on XX/XX/XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., for unlawfully obtaining my [ XXXX, XXXX, and/or XXXX ] consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the FCRA provides XXXX A person shall not use or obtain a consumer report for any purpose unless -- - ( 1 ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; I did not give you written instruction and ( 2 ) the purpose is certified in accordance with section 1681e of this title by a prospective user user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 2003 ) I have not initiated any transaction with SUNTRUST XXXX. Further, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with SUNTRUST XXXX for review or collection., under the FCRA XXXX Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both, 15 U.S.C . 1681n ( a ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, I walked into Truist today to have my mortgage documents renotarized and was met with XXXX and XXXX discrimination by the service rep who denied the opportunity to have my mortgage documents renotarized for processing when they notarized the first copy weeks back. This bank is perpetuating housing discrimination against immigrants and people of XXXX. There was no policy provide to state otherwise. Their practices are disgusting to the public and as a account holding consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08016
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem with customer service
Subissue:
Consumer Complaint: Truist Bank - XXXX, NC XXXX. On XX/XX/XXXX I went to the Truist XXXX to pay off my loan balance with my existing checking account after more than 7 years of timely payments for my XXXX year loan. The front door was locked soIi went to the drive up window. I shared my drivers license and account information and the staff member went to his terminal. The onsite personnel were unable to complete this request for over XXXX minutes ( XXXX bankers and no other customers ). After waiting patiently, i asked what was taking so long. XXXX XXXX XXXX XXXX said i could have done this online and they didn't need/want my business. The transaction was finally completed and I left frustrated and offended.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Money was not available when promised
Subissue:
Consumer Complaint: A wire transfer was sent to a suntrust/Truist account in my name on XX/XX/2021 and to be deposited the next day. It was in the amount of {$790.00}. Suntrust closed my account without acknowledgment to me. When I spoke with suntrust they stated that the money was supposed to be sent back toXX/XX/XXXXXXXX XXXX. XXXX states that no money has been returned and suntrust is solely responsible and should be the responsible party to issue me the money back, and even though my account was closed they still are the responsible party to issue the money back. All accounts have been checked and confirmed with XXXX that no money has returned to them. When speaking with suntrust in the past month and a half I have been told I would get a cashiers check for the amount and that I could go to a branch location and receive the check. When I went to the bank I basically got the run around and then I was told that they are not responsible and I would not be getting any money returned to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I traveled to XXXX on XX/XX/2021. Communications in my family village are difficult ; I had no internet connection and unstable phone connection. On XX/XX/2021, SunTrust sent a fraud alert to my email, but I could not access my email in XXXX. My daughter was monitoring my email account in the United States and informed me via XXXX of the alert. I called my XXXX teacher, who has helped me in many ways over the past seven years, including setting up my email account, and asked her to respond to SunTrust. I authorized her to access my email account and respond for me to inform SunTrust that this was fraudulent activity. She replied to the alert notification on XX/XX/2021 ( copy attached ). Despite that timely response, SunTrust continued to allow these fraudulent withdrawals, sometimes 10 in a single day. A cycle of this began, and notwithstanding our continued emails to SunTrust, we could not put an end to these transactions. In spite of my best efforts and those of my friends and family in the United States, before SunTrust froze my debit card, a total of {$5700.00} had been fraudulently withdrawn from my account by an entity identified on my bank statement as XXXX XXXX. I also incurred over {$100.00} in overdraft fees, because the withdrawals continued to occur even after my account had been drained to {$0.00}. I have highlighted the fraudulent withdrawals on the attached bank statement copy. Because of the severity of this situation and my inability to get it resolved, I returned as soon as I possibly could from XXXX. I visited the SunTrust branch in XXXX, XXXX, along with my XXXX teacher and initiated a claim. Upon the suggestion of the SunTrust banker I met with ( XXXX XXXX ), I filed a police report ( copy attached ) on XX/XX/2021. Even after my continuous efforts to resolve this issue, SunTrust has denied my claims of fraud, and they refuse to refund the fraudulent withdrawals.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Distributions from XXXX to my XXXX at Suntrust going through transition to TRUIST, are inaccurate and do not agree with 1099r forms submitted by XXXX. Also, Suntrust merged my checking and XXXX account without my permission. They supposedly do not have records from XXXX to XXXX but I have records. Some of the checking disbursements can not be verified. Customer service does not exist. Even if someone answers a phone which is rare, they provide no assistance. There are many XXXX complaints about the bank from BBT and Suntrust customers who merged with TRUIST. When they complete the transition by XX/XX/XXXX, the former records will not be available and it would be a travestry. We need assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2022-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have Paid ( Settled ) this Account that XXXX XXXX XXXX Charged Off. They mentioned that if I paid what was Owed it will be Removed from my Credit Report and it is still showing on my Credit Report! P.S. I am providing a Letter as Proof that the Account has been Settled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2021 my posted balance was {$1000.00}. On XX/XX/2021 XXXX transactions cleared totaling {$250.00} left a posted balance of {$780.00} but they charge me an overdraft fee of {$36.00} for each transaction totaling {$250.00} leaving a posted balance of {$530.00}. On XX/XX/2021 They refunded on overdraft fee of {$36.00}. Then at transaction of {$1.00} cleared, then a transaction of {$320.00} cleared, then a transaction of {$760.00} cleared and they charged me a {$36.00} overdraft fee for that transaction because it caused my account to go negative $ XXXX. On XX/XX/2021 my account was not negative, but they charged me the late fees. They told me it was because they added up all the pending transactions and it made me negative even though they didn't clear and was just pending. They didn't charge me the fees the following day on the other two transactions. Now that BB & T is Truist it's ripping people off. I have been told they will do nothing about it because the computer program makes all the decisions. They closed a prior complaint that was filed on XX/XX/2021 COMPLAINT ID XXXX wrongfully. The resolution reached it's deadline so they made up a resolution that had nothing to do with my complaint and closed it out. They have provided CFPD false information to close the account. They probably do this all the time and their complaints need to be really investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On or about XX/XX/XXXX, I XXXX XXXX XXXX noticed that approximately {$2600.00} had been electronically taken from my checking account ending in XXXX. These XXXX transactions started XX/XX/XXXX until XX/XX/XXXX. The transaction was taken fraudulently via XXXX. The XXXX name of the individual was XXXX XXXX ( XXXX XXXX ). I do not know this individual and do did not approve these transaction. I reported this to the Suntrust Fraud Department on or about XX/XX/XXXX. As this far, Suntrust has refused to reimbursement me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A