Date Received: 2021-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an available balance in my checking account of apprx {$3400.00} .The account is blocked and I am unable to use it. I want the account closed and a check sent for my balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, I opened up a new account with Truist ( formerly Suntrust ). To fund the account, I transfered {$50.00} from my existing Truist account. On XX/XX/XXXX, the money is still not credited to the new account. On two occasions I have called and spoke to representatives for over an hour only to be hung up on or the call forwarded and dropped. The bank will not return my funds and they will not take accountability for the funds being lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Theyre saying I deposited 2 different checks which I did not Ive been hacked and someone deposited them into my account through my mobile app then sent the money with XXXX to themselves then the checks was returned to whatever bank the checks was made from. Now theyre saying I owe them XXXX XXXX whenever Im not the one that did this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We paid off a mortgage with Truist ( originally ) SunTrust on XXXX XXXX, 2021. We also paid off a XXXX with Truist at the same time. The payoffs occurred after we sold our house and the title company, XXXX XXXX, wired funds to retire the loans. On the next day, XXXX XXXX, Truist removed our access to any details and history about both the conventional mortgage and XXXX in their online portal. Truist owes us at least a little amount of money because the payoff amounts were conservatively calculated based on a XXXX XXXX payoff. I dont understand how Truist can delete the history and/or remove our access to view any details after the payoff. We need access to the loan accounts online to show the payoff for the new financing on our new house ( not financed by Truist ). We also need access to track any overpayment due because the loan was paid off two days early. We called Truist and were bounced around for over an hour with call center staff giving us inconsistent information. Can Truist really cut off our access to the loan accounts history upon repayment, including overpayment? This just seems wrong. How do we track the overpayment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20016
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In Re : In The Matter Of : Name of Appellant : XXXX XXXX Bankruptcy Case # : XXXX ( Dismissed ) Civil Action Case # : XXXX XXXX ( XXXX ) This Topic : Appellants 4th Brief ( Due Date Not Specified by Court ) TOPIC 01 : Notice of Demand For Possession from XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Office : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX , Phone ( XXXX ) XXXX. Summary : Legal Basis & Procedure basis are questioned by Appellant XXXX XXXX on this Notice of Demand For Possession ( Attached ). This notice was taped on my TH residence Front Door. This notice was delivered by this means, ar around XXXX XXXX, Wednesday, XX/XX/2021. Please note that Civil Action Case # XXXX ( XXXX ) still Open & Not Dismissed. Suitable legal counsel not yet identified but continued effort is being made since last brief, Appellant Update 03 -- Brief XX/XX/2021 was filed approximately 2 months ago. A complaint against this party will Be filed with CFPB.GOV, under Debt Collection. Issue category : Took or threatened to take negative or legal action. This notice is dated XXXX XX/XX/2021 From XXXX XXXX ( XXXX XXXX XXXX ), The XXXX XXXX XXXX XXXX XXXX XXXX, Main Office : XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, XXXX, XXXX Phone : ( XXXX ) XXXX. XXXX Legal 3rd Party Debt Collector since XX/XX/XXXX have tried to foreclose twice requiring me to seek XXXX XXXX Protection, as filed at the XXXX XXXX XXXX Court House, currently pending Civil Action Case NO : Civil Action Case # : XXXX XXXX ( XXXX ) ( please see related XXXX previously filed complaint ID : COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Debt collection ISSUE Took or threatened to take negative or legal action
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My complaint is in reference to the way SunTrust Mortgage ( now Truist ) has handled my last three Escrow Analysis with no clarification on how they calculated them. The Escrow Analysis was not accurate and there is missing information of payments from my homeowners tax credit they received during the last two Levy years of XXXX and XXXX. Also, they do not give me access to my account on their website ; they locked my account. They have increased my monthly mortgage payment with a new Escrow Analysis that I have not accessed to and they still have not clarified the questions I made to them in my letter dated XX/XX/2021, about the previous escrow analysis of the levy year XXXX. I believe they have calculated a new payment in less than 10 days, and they are not clarifying the questions I made for the Escrow Analysis they made on XX/XX/2021. I called several times and talked to different agents and supervisors, but they did not give me any response, nor did they answer my questions about why they increased my monthly mortgage payment with no clarification of the previous Escrow Analysis of Levy year XXXX. They called me on XXXX about the letter I sent to them on XX/XX/XXXX, but I was very busy because of the XXXX holidays, and I requested them to call me on Monday, XX/XX/XXXX but they never called me. When I called them on XX/XX/XXXX, they said they do not need to talk to me and I had to wait 30 business days more after XX/XX/XXXX, the day they open the case. I called again to ask why they raised my monthly mortgage payment if they have not answered my letter of the error on the last Escrow Analysis of XXXX but they did not want to talk about it. For the Escrow Analysis of XXXX, I have not requested clarification yet because I just realized they did the same of what they are doing now with the Escrow Analysis of XXXX. I am taking this opportunity of my complaint to request clarification of the Escrow Analysis of XXXX. For the Levy Year of XXXX, they have received my Homeowners Tax Credit from XXXX XXXX a check in the amount of around {$3200.00}. For the Levy Year of XXXX, they have received almost the same Homeowner Tax Credit from XXXX XXXX another check in the amount of {$3200.00}. I am attaching a copy of my letter sent on XX/XX/2021. Also, problems were encountered on their website when I was trying to log in to the SunTrust website and how they locked my mortgage account for me to get the information I need to make this complaint. They knew I was placing a complaint because I told them I will do it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Truist Bank has allowed criminals to open an account under my name in XXXX different instances. In the first instance the account ( XXXX ) will not be closed by them. Every month they send me a bill and late notice. The second account ( XXXX ) has been sent to their collections department. Although Truist acknowledges that fraud was committed they have done nothing to protect their victim. I have been fighting this since XXXX of XXXX and we are now in XX/XX/2021. The collections letter states that I owe {$74.00} and they are willing to settle with me for {$55.00}. I've uploaded a copy of this letter for recording purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18940
Submitted Via: Web
Date Sent: 2021-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My name is XXXX XXXX, I am a recent XXXX XXXX graduate who has enlisted in the military, and I leave for training in a few months. On XX/XX/XXXX, the debit card with my checking account was fraudulently charged by something called " XXXX '' with {$950.00} total in five payments of {$150.00} and two payments of {$100.00}. My local Truist banker in XXXX, NC put in a dispute request for the first {$100.00} fraudulent charge that came out of pending status and I was compensated for the {$100.00} amount ( along with a {$3.00} international service assessment fee ). However, the rest of the {$850.00} ( along with the corresponding {$3.00} and {$4.00} fees ) I have not been compensated for no matter how many dispute requests I submitted on the Truist app or through the phone with the fraud department, which I had to spend several hours waiting on the phone for. Truist cited to me that they can not compensate me for the {$850.00} because of another separate {$50.00} fraud charge made to the same merchant scammer named " XXXX '' on XX/XX/2021, and they said that it has been over the 60-day limit for me to dispute that charge which I completely understand for that {$50.00} charge on XX/XX/XXXX, but Truist is XXXX using that as an excuse to not compensate me for the recent fraud charges of {$850.00} and is allowing the original suspects to commit another crime on me which is also for a substantially greater amount. The XX/XX/XXXX {$50.00} charge was fraud that I was not aware of at all, but I clearly became aware of the fact that it had been fraud with the XXXX charges of {$950.00}. Also I think it is worth noting that the local XXXX, NC Truist bank manager said that I was only compensated for only {$100.00} of the {$950.00} because that one {$100.00} charge was the only one that fell within that 60-day limit which makes no sense whatsoever because the time from XX/XX/XXXX to when I was frauded in all seven separate charges totaling {$950.00} in XXXX is clearly much greater than just 60 days. Please keep in mind I kept my debit card safe with me, the pin was not written on it, and I never shared my information with anyone. Also I already filled out multiple ticket requests with " XXXX '' citing that they are responsible for the fraud but just like Truist they have done nothing to actually help me. Like I said before, I would like to state that Truist is allowing the original suspect from the {$50.00} fraud charge on XX/XX/XXXX to commit another and much more substantial crime on me in XXXX and is leaving me without compensation for the lost {$850.00} I have any type of documentation that will help, including proof of all charges and dates, my now-deactivated debit card number used, and also proof that Truist sent me an email and Case ID of " Unusual transaction '' on my debit card the day it happened, although they chose not to temporarily block the card. I have tried to solve this with Truist for weeks, and they have generally been unhelpful. I was referred by the FDIC to consult the CFPB because Truist is under the supervision of them. I would have filed a complaint with the CFPB weeks ago shortly after this happened if I had known how unhelpful Truist was going to be. I spent hours upon hours trying to get in contact with their fraud department and each time they were inconsistent with what they said and would falsely reassure me. I'm not looking for emotional damages, I just want my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am struggling to get inaccurate inquires removed off of my credit report. I have disputed two inaccurate inquires with XXXX via certified letter, but the company responded and said the inquires were verified. It was recommended that I reach out to the creditors who did the inquires directly. I called the companies that were reporting which are Suntrust Bank and XXXX XXXX, and I was told by their employees that I needed to dispute the information directly with the credit reporting agency. Since I had already done this, I called XXXX to tell them what the two banks said. The XXXX representative was apologetic about the inaccurate information, but still referred me back to the other two companies. I was told that I needed to call the companies and request a deletion letter and once that arrived to mail that letter to XXXX. My concerns are that this process is inconvenient and causing me stress and hindering me from being able to access consumer credit because there are other companies that are denying me credit due to how many inquires I currently have. I have been disputing this information since XXXX. It is now XXXX, and I am still being given the run around. I dont understand why getting inaccurate information off of my credit report is so difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I reported a fraudulent transaction my account on XX/XX/XXXX. I received the new card on XX/XX/2021. Between XX/XX/XXXX thru XX/XX/XXXX, someone was still using the deactivated card that I reported on the XXXX so I had to call back. One transaction was processed in the back office and the bank can't tell me where it came from. On XX/XX/2021 I was told my account had been closed due to business rules and regulations. Not quite sure what that meant but I have been baking at this bank for years and not one person can tell me what rules and regulations that I am violated considering all I did was report fraudulent activity and yell a few folks. I then tried to open an account at XXXX XXXX and got told the same thing. There is nothing on my XXXX report and I don't have bad credit. SunTrust has done something and I am NOT standing for this. My next call is to an attorney! I won't be penalized for something that I didn't do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A