Date Received: 2022-01-24
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I have never been in contract with XXXX XXXX XXXX they are POSING & reporting late payments under false alias Regional Acceptance it is illegal for them to continue to claim or falsify information or threaten me I will be taking legal action if the harassment continues REMOVE ALL LATE PAYMENTS ON CREDIT REPORT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 146XX
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I used XXXX via Truist Bank with my business account on Saturday XX/XX/2022 to send {$170.00} to XXXX XXXX. More than 24 hours later, the transaction is still pending. I called Truist customer service twice on XX/XX/2022 at XXXX and again at XXXX. Both agents could not adequately and accurately verify my account. I requested a supervisor and the first agent XXXX said her supervisor refused to take the call as she didn't see it necessary. I asked for the supervisors name and XXXX stated the supervisor forbade her from releasing her name to me on a recorded call. I hung up and called back and got someone by the name of XXXX. I requested a supervisor and she too, stated, the supervisor refused to take the call unless i verified the account. However XXXX unsuccessfully verified the account and i no longer wanted to speak with her. I requested the supervisor again and she hung up the line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32303
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have a open complaint currently in regards to Truist mishandling my funds. And altering hold dates without notice and then charging me NSF fees. I have since deposited XXXX which shows it is available and in the account. Truist will not allow me to transfer funds. This has been going on for weeks, they have attempted to keep me negative and withholding funds. I am astounded at how this bank operates. There is no way to contact them the wait time is hours and then when you may get to a call center they have hung up EVERY time. The online complaints on XXXX are many people experiencing the same problems I am having. I should have access to my funds!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33952
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Ive made several attempts to contact Suntrust ( now Truist ) and have been unable to reach anyone. I want to close my account because I no longer use it before I incur anymore maintenance fees. I just want it gone. Everytime I call Im placed on hold and then the line ultimately disconnects. Im not in a state that has a local branch available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97214
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: In XXXX or XX/XX/XXXX Suntrust Bank closed my Checking and Banking account without any explanation. I called the office bank no explanation was given all I was told that it was fraud. After about a month they gave me permission to get my money release from my checking. I've was asked to prove my identity send in documents to prove my business. How does a bank ask you to prove your identity when I've been banking with them over 5 years. I did this and it hadn't made a difference they still have my funds. Now they keep telling me call back every 5 days. I am.beyond frustrated. I feel this basically all over my Race as a XXXX XXXX I have to committing fraud. I have a legitimate business. My business account funds are being held. I know somewhere this is totally against the law in America. They also made it impossible for me to open another account with a financial institution. It's XX/XX/XXXX. Still waiting for a apology and my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust Mortgage refuses to recognize me as having the legal authority to conduct business and receive information regarding the status of the mortgage in the name of my mother, XXXX XXXX. XXXX. My father, XXXX XXXX XXXX, passed away XXXX of XXXX. My mother, XXXX XXXX. XXXX, passed away XXXX of XXXX. I am the surviving trustee of the XXXX XXXX XXXX and XXXX XXXX XXXX family trust. As such, I am authorized to conduct all business financial and otherwise on their behalf. I provided to Suntrust Mortgage, per their request, on XX/XX/XXXX the following documentation : 1. Origintnal death certificates for both XXXX XXXX and XXXX XXXX. XXXX 2. Notarized documentation of my appointment as Trustee of the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX 3. A notarized copy of the Deed of Distribution of their personal home located at XXXX XXXX XXXX XXXX, XXXX ID XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. 4. A XXXX XXXX Sales Verification Receipt verifying the deed transfer of the real property located at XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX When I call Suntrust Mortgage to discuss the status of this loan I am told that they can not speak to me because I am not authorized. I am told that when they look in the computer they do not see the documentation that I sent. However, I have documentation that they received the documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83686
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: A new practice has developed at Truist bank that is clearing checks in the middle of the night. I guess the Reserve transfers the check copies over to the banks at night and when Truist receives the check copies, the checks are cleared with the previous days date, although the day to me has been closed. The process to help people not bounce checks has been established the deposits credit first. In this way, if you see an amount pending, a deposit can be made and avoid overdrafts. This practice of clearing checks between normal business hours means that I can check my account at XXXX and have a positive balance, but get an alert at XXXX am that my account is overdrawn. Immediately, the bank charges a fee for NSF and dates the check cleared as the day previous. If the check were dated on the actual date of the XXXX am day, then I would get a notice that I have a PENDING NSF balance and would have a business day to make a deposit. In short, I feel like the bank has a notice with a time posting that specifically states that transactions after closing ( might be XXXX pm ) will be processed the following business day. It only seems to follow that also debits posting after the specified time should also post on the following business day.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Truist bank charged me on 3 different occasions for overdrafts when my account had money in it. I asked the money be returned and they told me they only correct 2 overdrafts in a two year period regardless if it was the institutions fault. I asked for a copy of that policy and I was told they do not give that policy to customers. I said I would like them to return my money and I was told they could not.
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: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Truist fraudulently and criminally stole {$300.00} from me when they did not complete a XXXX transaction they said they were going to do within minutes. They refused to give me the money that is rightfully mine and not theirs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We have an unauthorized charge on our card. After numerous 2 hour hold times to get a rep, entering a dispute we receive a letter telling us the charge is valid. We have never done business with the merchant, don't know who they are, and never authorized the charge. We call the number on the card again, and after 45 min on hold they tell us we have to call the accounts security dept - another 2-hour hold and we hung up. Transaction Type Debit Transaction Description XXXX XXXX XXXX XXXX Fl XXXX Date Cleared XX/XX/XXXX Amount - {$9.00} FI Reference Number XXXX Next issue : Suntrust has had a problem delivering our statements to our email since XX/XX/XXXX. After another 1 hour hold, the rep says they need to rebuild our profile. Now the statements are working, but they keep trying to charge us a late fee after they admitted the issue and refunded the original late fee of {$29.00}. We can't pay what we can't see and again are told we need to talk to account security - same as above 2 hours then we hang up. Transaction Type Debit Transaction Description Purchases {$1.00} XXXX XXXX {$0.00} XXXX Date Cleared XX/XX/XXXX Amount - {$1.00} FI Reference Number XXXX Needless to say, we have closed this account and moved to XXXX where our other business is well served. However, the above issues linger.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A