Date Received: 2022-02-02
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have never signed or agreed for this bank to cover my over draft fees but they continue to do so on their own and charge me large amount of over draft fees.I do not want them to cover any over draft fees or recurring fees if there are no funds in the account I want them to stop that immediately and I want to OPT out immediately for any overdraft fees being covered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89141
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Dealing with your lender or servicer
Subissue: Don't agree with the fees charged
Consumer Complaint: I never agreed to interest loans imposed by the SunTrust company ... XXXX.nor did I agree for SunTrust to take over my loans and they bought my debt without my consent or notification. I formally refuse to take on the new undiscussed interest rates and this new lenders service ... .I do not do banking business with SunTrust nor have they ever given me a loan. I demand this debt be removed because it is not my debt once it is paid off from the entity I agreed with. I have not confirmed any paperwork with SunTrust and this makes my balances new and different interest monies are included which I did not agree upon. This debt is no longer under a signed contract with XXXX XXXX as I was not present or notified prior to the shift in debt possession. I would like this debt permanently removed since it has been satisfied by an unknown benefactor as shown on my credit report. Benefactor named as SunTrust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Suntrust ( as they love to say " Now Truist! " ), has been making me wait almost an entire month to make a single payment. They have shown double charges and reversals, telling me that they have indeed received everything correctly, only for it to go back to how it was. Eventually the Bank decided to send me a letter through snailmail letting me know there is a specific number I can call to try sorting this issue. Calling the number however, only induces more frustration as they inform me there's nothing " they '' can do until the payments that will- not go through, " finalizes '' and then they can start working with me. To be extra clear, I attempted two payments through the app. The first one I set up and saw no form of acknowledgement or confirmation, thinking maybe it didn't go through, I made another payment which also didn't show. Two day 's later I see them post to my account but eventually they reverse, for some unknown reason. I tried again through the app with no luck. It is after these events I receive a letter and make the call. The payment confirmations that are being sent to me ( over the phone payments with an associate ) state they are coming from a suntrust bank ( I do not have a checking account with them, and also they confirmed over the phone the Correct bank ) so I'm not sure what's wrong with their system, but, something is and they are making me pay for it with my time. This entire time however they've had no issue reporting my apparent balance to the Credit Bureau 's, that my card is at whatever % of usage, even though I've been attempting payment. Truist is going to make me wait to solve their issue, I've had previous, non credit card related issue 's for months, and they're making ME report to the credit bureau 's that there is incorrect info. I've had multiple over the phone associates either speak softly, with terrible quality, or flat out rudeness. I have also had them hang up on me, in different circumstances. I've been put on hold for 10 minutes to have them hang up, I've also been told " okay wait while we transfer you '' and had them hang up. That's another game they like to play, no one seems to know which specific department to send you to so prepare to go round n ' round if you need to call them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have a Corporate Bank Account with BB & T. While doing a wire transfer on XX/XX/21 with the Business Bank Manager XXXX XXXX in XXXX NC, she implored me to setup a business credit card under the corporation. As a company we wanted to have credit card references reporting to XXXX XXXX XXXX. I clearly stated that weve been in business 2 years and wanted more business credit not personal ( as my personal is XXXX score ) and I wouldnt even consider it if a hard credit pull would be performed to decision/issue the card. She assured me it would not pull my personal credit and never asked me any questions about the business or personally. She only stated that I would be notified by mail in a few days and that was it. When I left the bank, by the time I had gotten to the office 5 minutes away I had received an automated email message saying the application was denied. No reason was stated and said I would receive a letter in the mail with 7 days explaining. Within the same moment I got an XXXX alert stating a hard pull had been done on my personal credit. Ive called the local branch many times and left voicemails and XXXX NEVER calls me back. I called the main corporate number and they said that they couldnt tell me anything and said for me to wait until I received the letter by mail. I HAVE NOT RECEIVED ANYTHING! My credit report was accessed without my consent and never received anything by mail or any communication after. This is a complete fraud and Ive been victimized as a result of the shady dealings of BB & T ( now Truist Bank ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Getting a line of credit
Subissue:
Consumer Complaint: On XX/XX/2021, I was denied an extension of my credit due to Truist/BBT unlawful acts. Truist/bbt is a bank, a bank can not loan money, do not have the power to loan money, and can not loan credit or extend credit. Which mean Truist/BBT do not have the right to deny a consumer their own credit. Which led to the Adverse action letter I received. This is criminal liability and discrimination, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an Adverse action against a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 310XX
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I had online banking now for a while but recently Truist took over and now I can't get anything done. Last time I tried making a payment and it locked my account twice for no reason. Now it locked it again because it says I entered the wrong password. I entered the right password. Then it says I entered the wrong debit card number, when I was entering the right number. It said I had to call their customer service number. I was on hold for an hour and when I reached the customer service person she immediately hung up. Just like last time, they are telling me they can't help me unless I come into the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have XXXX complaints BB & T/Truist Bank The first, every year this loan has been in force I receive letters from my mortgagee stating I do not have appropriate insurance when I do. I have XXXX flood policies and XXXX hazard policy. Every year I have to spend hours on the phone dealing with representatives explaining the following : 1. Each building has its own flood policy and the flood policies exceed the amount of the loan which is more than required by XXXX. 2. Only one hazard policy is required for up to XXXX units ( which is how many units I have ). That policy is insured to more than 80 % of the building value and well in excess of the loan value. Year after year the mortgagee threatens to or actually force places flood and/or hazard insurance. It takes countless hours and a considerable amount of stress to get them not to force place the insurance. I am currently in possession of over XXXX pages of letters from BB & T/Truist they have sent me over the years and this is not all of the letters I have received. The second issue is with their escrow department. On multiple occasions they have made erroneous payments to my insurance company or just strait up have wrong payment amounts on their escrow payment statement. They pay for policies that do not exist or they pay incorrect amounts. Then BB & T/Truist demands I pay thousands for shortfall. Currently my escrow statement shows over {$2000.00} worth of insurance payments that do not correspond to the insurance bills. Also, according to my insurance company, they have not received payment for the accurate amount. This is the second time that I am aware of the mortgage statement being grossly incorrect and to add insult to injury they force me to have an escrow account even though the loan to value ratio is only 50 %. I am an educated person who works in the insurance industry with above average wealth. I also nnow how to read statements and am good at reconciling finances. I am left with no choice but to pay off this loan even though I would prefer to keep it. I am just too fed up with the yearly stress of dealing BB & T/Truist. I pity people that do not have the expertise and means that I have to deal with such gross incompetence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have BB & T and I have opted to not let my account over draft because I dont want it to. But they continue to let everything go threw it even with no money in my account and when I mean everything I mean subscriptions that I have that keep coming out and I dont know where they came from or why I have them to even cancel them but they continue to let these charges go threw them Im left with horrible over draft fees. I want to just close the account which Im planning on doing Friday but until that time Im having no help with the bank on how to stop this from happening. So I feel like no matter if I want my account to be able to over draft or not and I opt in or out for it they r going to let it anyways
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 301XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Bank BB & T truist illegally forced debit money out of my checking account my understanding is that is a force debit which is illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I refinanced a loan that was with Lightstream. My credit union sent them a check that they received on XX/XX/XXXX. On XX/XX/XXXX Lightstream pulled a payment from my account even thought the loan was paid in full. I contacted Lightsteam to ask why they pull the payment but didn't receive a response. Then I asked if they could return the payment ACH because I needed the money to pay other bills. They said they could not and would send out a check in XXXX days. They have cost me overdraft and late fees on other accounts by taking this payment when the loan was already paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2022-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A