Date Received: 2023-12-18
Issue: Trouble during payment process
Subissue: Loan sold or transferred to another company
Consumer Complaint: The issue arises as I was believed to have XXXX in XXXX, XXXX and XXXX. Symptoms were XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The XXXX I live in has Declarations for covenants and Restrictions. The HOA is responcible for exterior maintenance and Roof. In XXXX they would escalate the HOA Dues nearly double from the say I moved in.6 Upon examination The HOA concealed a Capitalization Fee Average of {$1500.00}, on all transfers charged to the Buyer, they did not report the additional revenue s deposited into the HOA Account and admitted the funds were drafted to the Developer, XXXX XXXX XXXX without any documentation or disclosure to members. I would bring this to light and also state that HOA Fees collected at closing were unlawful under TN XXXX Annotated XXXX thru XXXX " TENNESSEE XXXX TRANSFER FEE BAN '', and I also reported that reserves were short in the carryover sums from year to year with erroneous entries amounts beginning in XXXX. XXXX while manging rentals in XXXX the roofs were often leaking. Met the roofer and he stated in a recorded transcript the HOA was given an estimate as the roof was 5 years beyond recommended replacement, All said The HOA would not repair the mastr suite from rain damage in XXXX in my home, I repaired and billed the HOA and ended up in XXXX XXXX XXXX unit from XX/XX/XXXX to XX/XX/XXXX, I learned Mold Toxins were the cause not covid and proceed to bring personal injury suit against ther HOA, Then I recieve a demand Letter from an attorney in XXXX calling my XXXX that was currently ammennded and modified not due for payments until XX/XX/XXXX. The attorney for XXXX Bank, the merging Bank with Suntrust, would provide me an opprtunity to sell on the open market after I explained I had an amended agreement and that if I sell below market I will sue for damages. I learned Friday, that the Attorney represeting the XXXX, would take my social security number from the General Sessions Judgement run my credit and see that the XXXX is in default, XXXX interefering with my first which was in final documnetation for approval when these Foreclosures began to occur. The Law fim Acting as Substitute Trustee XXXX, Sellers, XXXX, & XXXX XXXX, main office is in XXXX TN ( XXXX ) but the Attorney acting as Substittute Trustee.is out of XXXX. The Attorney for the HOA XXXX XXXX, XXXX XXXX is based in XXXX, and having suppeona my finances would know my limited resourse to fight in civil. My XXXX XXXX Persoanl injury AND PROPERTY SUIT WOULD FOLD AS THEY i CONTACTED XXXX WHOLE SALE BUYERS AND THE DEVELOPER WOULD DENY THE PRESENSE OF MOLD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: In XXXX of XXXX I created a checking account in branch with truist. I told them I wanted to apply with the code XXXX. This provides a {$400.00} bonus with {$1000.00} in direct deposits. I waited XXXX months after the closing of the XXXX month period and called to make sure I hit the quota. The branch told me it might take a month after the closing date to get the bonus. A couple months later I have been reaching out and getting no one to return my calls and no one to help with solving this problem.
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: 2023-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Recently i was a victim of identity theft i which the bank anylst determined so i attempt to open a new checking account but their seems to be a issue
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: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: An account with Truist bank was opened in my name and had at least one wire transaction in the amount of {$3000.00} on XX/XX/. The account was then closed on XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Re : credit card number ending XXXX I was advised multiple times since XX/XX/2023 ( the date of my last payment ) that late charges prior to that payment would be waived if I made the payment in full ( approx {$63.00} ), which I did in XX/XX/2023. In XXXX, when I saw that, not only the old late fees were not waived as promised, but new late fees were added to my account, I called again and spoke to a customer service rep in length, and was once again promised that all late fees would be removed and my account should have XXXX balance. In XXXX when that did not happen, I started working with XXXX who represented herself as a supervisor. We had multiple conversations from late XXXX to XX/XX/XXXX. During that time XXXX stated repeatedly that she would try to get it resolved, apologized for the delay in communication, and asked me to be patient. In the meantime, more late fees were added to my account ( and some interest ). I wrote to XXXX on XX/XX/2023 via XXXX Mail to formally dispute the balance, and refused to pay. XXXX now reported my account to the credit bureau as " Dilinquent '', and never replied to my written correspondence. This is a classic case of " Junk Fee '' charged by the credit card issuer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33913
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THESE ARE FRAUD INQUIRIES XXXX XX/XX/2023 TRUIST BANK XX/XX/2023 Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07203
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On or about XX/XX/2023, I received a call from Truist Bank 's Fraud department concerning two suspected fraudulent charges on my credit card. One charge was for {$1.00} the other was an XXXX charge of {$710.00}. I said neither of those charges were mine. I was told my card would be closed and a new one sent to me and that the charges would be investigated. When I received a Truist statement with the {$710.00} XXXX charge billed, I called Truist and was told the charge was being investigated. I then received a Truist letter dated XX/XX/2023 assigning case number XXXX to the case. When I received the bill dated XX/XX/2023, the charge was listed as a previous balance and fees totaling {$36.00} were added. I called the Fraud Department again on XX/XX/2023 and was told it takes 3 billing cycles to complete the investigation. I then received a letter dated XX/XX/2023 telling me my payment was past due and may be reported to a credit bureau. I called the Fraud Department again on XX/XX/2023 and was told they are still working on it. I received another Truist letter dated XX/XX/2023 advising my account was past due and again stating it may be reported to a credit bureau. I called again on XX/XX/2023 and was told the investigation was being expedited. On XX/XX/2023 I learned the matter had been reported to credit bureaus and my otherwise excellent XXXX score had been reduced by XXXX points due to Truist 's delay in investigating the fraud. I called again and was told a second time the case would be expedited. I later received a letter dated XXXX advising my account was being closed and that " This communication is an attempt to collect a debt.. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Truist has been our bank for over 30 years. Around XXXX, we discovered fraudulent charges being made to our debit card. The money was returned, and all was well. We decided it was time to switch banks, because the customer service was horrific and much more difficult than it should have been. The bank account was frozen, so no debits could be made. We moved our money out of the account and we were told that the account was closed. It is now mid XXXX and we are getting notices about overdraft fees. The banker will not show us what the fees are from and what charges were made. We will not pay blindly. All we are asking for is to see the charges. If they are charges done by us or bills in our name we will gladly pay it. We will not pay overdraft fees that were accrued from the account after it was supposed to be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Complaint Regarding Unauthorized Recurring ACH Debit Dear Sir/Madam, I am writing to formally file a complaint regarding an unauthorized recurring ACH debit from my bank account. Despite multiple attempts to resolve this issue with my bank, TRuist, they have not taken appropriate actions to address my concerns. The details of the unauthorized transaction are as follows : - Transaction Amount : {$38.00} - Monthly - Most Recent Occurrence of the XXXX - Bank Account Number : XXXX I have contacted the bank multiple times stating that I did not authorize these charges. Despite my clear request for them to stop this recurring debit and issue a credit for the unauthorized transactions, my request has been repeatedly ignored or denied. I request the Consumer Financial Protection Bureau to : XXXX. Investigate the unauthorized XXXX transactions debited from my account. XXXX. Ensure that [ Bank Name ] stops any further unauthorized debits immediately. XXXX. Secure a refund of all unauthorized charges debited from my account, totaling [ Total Amount Disputed ]. XXXX. Investigate the practices of [ Bank Name ] in handling such disputes. I trust that the Consumer Financial Protection Bureau will take prompt action on this matter. Your assistance in resolving this issue would be greatly appreciated. Thank you for your attention to this matter. Sincerely, [ Please make sure to replace the placeholders with your specific details. Also, it's advisable to send this letter via certified mail or another trackable method to ensure it is received and to keep a copy for your records.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-18
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: At XXXX on XXXX I received an email from XXXX saying I had opened a new Truist Confidence Account, Truist One Savings, Debit Card and Digital Banking XXXX At the same time I received a second email stating the following : Hello [ similar but wrong name ], Thanks for enrolling in Truist Online Banking. You've taken the first step toward managing your finances- anywhere, anytime. A user ID was created and associated with your account ( s ) on : Date : XX/XX/2023 Time : XXXXXXXX XXXX ET If you or an authorized user made this change, no further action is required. If you don't recognize this change, please call us at XXXX. I called that number at XXXX. I said I dont have an account and asked if they could look up the account by email and I said no. They asked for my full social and I said no and they hung up on me. I received a third email Hello [ similar but wrong name ],, To start personalizing your debit card, just visit https : /XXXX and enter the design code [ xxxxxx ] along with any other information requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02907
Submitted Via: Web
Date Sent: 2023-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A