Date Received: 2021-12-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received the attached notice in the mail. It is directed to : [ My name ] XXXX XXXX XXXX XXXX Ohio [ My address ] My personal name and address are correct on the included document, but I don't know who " XXXX XXXX XXXX Ohio '' is, and I also don't have an account with Truist. I called Truist and was forwarded to the answering machine in their fraud department. I was supposed to receive a call back within 48 hours but didn't. I am now abroad and saw on their web site that for fraud cases, the procedure is to report the fraud to the FTC. That is why I am submitting this report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
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: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX Credit Bureaus are reporting inaccurate information on REGIONAL ACC. Please change the status to Paid or simply " Remove '' the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : REGIONAL XXXX XXXX Opened : XX/XX/2014 Balance : {$5700.00} ; XXXX XXXX XXXX Opened : XX/XX/2014 Balance : {$0.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72204
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: Suntrust/ Truist closed our checking and savings accounts without notice and have not given us a reason why. They have also not let us withdraw our funds. These are our main accounts in which our income gets deposited into. We have not had access to our funds since XXXX. They are now saying they will mail a check on XX/XX/10 with our funds which will also take XXXX days to arrive. They will not let us simply withdraw the funds from a local branch so that we can pay our bills. Furthermore, they are withholding names and phone numbers of the case managers and departments who are handling the case. I spoke with XXXX on XXXX who sent an email to the " back office department '' but would tell me the response to the email or give me any contact information to the person or department handling my case citing it is " an internal department. '' No one has given us any answers regarding this situation and it is causing our family undue stress and suffering since we need to be able to pay our mortgage and be able to feed our family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2021-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: The bank account was a linked bank account that was accessed by a scammer who got all the online banking information. And once they were in the account they authorized a payment through a third party app called XXXX for all the money that was in my account. The bank then locked the account and only deposits were allowed to be made. The bank said once the transactions are done pending that we could despite the claim and get the money back. Well we got the money back but the scammer once again took the money out both of the accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The bank failed to notify my town that they own my mortgage, failed to may our property tax bill on time, and when I am attempting to solve the problem I have been on hold for more than an hour and a half. They would not connect me to a person in the bank 's tax department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08540
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-07
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I sent money from my checking account by XXXX and the money never got to the person. XXXX tell me to call the bank and the bank transferred me to XXXX. Now when I call SunTrust bank all I do is stay on hold and they never answer the phone.
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: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX I received a bill from my Mortgage lender that my Escrow account had a shortage for over {$1400.00} plus an extra monthly payment that will begin on XX/XX/XXXX. I reached out to the bank right away and was told that the increased was because of the taxes and insurance and I said to the representative that the taxes from last year to this year had an increased of {$110.00} and the insurance increased was {$55.00} how did that equate to over {$1400.00} plus an increased in monthly payments and I was told that those are the payments. One of the reason why I chose to pay a " Bundle '' meaning Mortgage, Taxes and Insurance per month together was because I didn't want to get burdened with a sudden hefty lump sum of Taxes and Insurance payments, now I have great concerns that I am paying out double payments and eventually will have difficulties making the payments moving forward.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2021-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Truist Bank Corporation are currently engaged in business practices that are like that of XXXX XXXX in XXXX. The Truist Bank Corporation has failed in due diligence in " know your client, '' by failing to follow basic anti money laundering laws, FINRA Rule 2090 ( Know Your Customer ) and FINRA Rule 2111 ( Suitability ), Patriot Act ( anti-money laundering ), wire fraud, cross selling, fee accruing scams, and fake accounts to money mule funds from an individual. I put a Credit Freeze on XXXX, XXXX and XXXX on XX/XX/XXXX as a result of credit bureau data breach. I called XXXX XXXX ( XXXX ) XXXX at XXXX on XX/XX/XXXX and put my account on fraud alert. XXXX said they would notify XXXX and XXXX. I received confirmation letters from XXXX, XXXX and XXXX. were received which were dated XX/XX/XXXX, XXXX Credit report was received from XXXX XXXX dated XX/XX/XXXX, with no indication of wire fraud. I received a letter from Truist Bank Corporation regarding an online account application. The letter was received on XX/XX/XXXX. The letter from Truist Bank Corporation was dated on XX/XX/XXXX. The sender was Truist Client Center, XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX. Phone number XXXX ( XXXX ) XXXX and website www.Truist.com. I have not applied for any online accounts. I tried to reach the Truist Fraud Department on XX/XX/XXXX at XXXX. The phone number is XXXX ( XXXX ) XXXX only offered automatic phone service only. I called the following business day, Wednesday, XX/XX/XXXX at XXXX. He called a branch office for help on phone number XXXX ( XXXX ) XXXX. The representative said I could call the Fraud Department on XXXX ( XXXX ) XXXX # XXXX alternatively visit a branch in North Caroline for help. The branch manager transferred Me to the Fraud Department. I was on hold until XXXX. The Fraud Department recorded My name, date of birth and home address plus the information available on the account statement. The Fraud Department stated they would mail a resolution in 6 to 8 weeks ( around XX/XX/XXXX and XX/XX/XXXX ). The phone call with the Trust Department was over at XXXX PM. Truist Bank Corporation has continued to open accounts and extend credit despite knowing it was fraudulently opened by its associates. I have already contacted the Securities and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX regarding your fraudulent business practices. Their letters are attached. I will contact the Federal Trade Commission, Consumer Financial Protection Bureau and Federal Bureau of Investigation and inform them regarding Truist Bank Corporation 's fraudulent business practices. I will continue to cooperate with law enforcement as the case is built against Truist Bank Corporation as it is continuing to violate state and federal laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a victim of fraud and tried to work with Suntrust to prevent it from happening before charges ever cleared. Suntrust told me they could not help me and I would need to file a claim which has been repeatedly denied. Below is a timeline of what took place. XX/XX/2021 I received a call on XXXX XXXX cell phone. ( Hes XXXX XXXX XXXX and I am his caretaker. ) I was on the phone for XXXX hours with XXXX who claimed to be with XXXX fraud department regarding a phone that was supposedly ordered through my account. He wanted to assist me in rectifying the fraud with XXXX and I was instructed to download an app and told they would call back the next morning to finish ( see further details on Suntrust rebuttal form ). XX/XX/2021 XXXX from the XXXX fraud dept called back and I asked him to verify his identity and he gave me a number to call. I called XXXX and was told XXXX was with XXXX fraud department. I still felt concerned so I called XXXX directly and they reported they do not have a fraud department and that Id been a victim of a scam. At XXXX am, I called Suntrust customer service to report the fraud and asked them to stop the transactions. I gave them all of the numbers that XXXX used to contact me ( included on page XXXX of the Suntrust rebuttal form ) and all of the details. They said that the payments would have to post to my account before the investigation could begin. Not happy with that answer, at XXXX on XXXX, I visited the Suntrust branch at XXXX XXXX Highway, XXXX XXXX TN XXXX and spoke with XXXX XXXX, who XXXX the fraud department to report XXXX scam. He provided me case number XXXX in the amount of {$5600.00} and I was told that the case could take up to 10 days to complete. XXXX also encouraged me to report this to the FTC. I did that in the afternoon of the XXXX and received report number XXXX. XX/XX/2021 I spoke with XXXX at Suntrust who told me not to worry about it and she had escalated it. XX/XX/2021 I spoke with XXXX at Suntrust and she said this was not fraud but escalated the case and told me to call back on XX/XX/2021. XX/XX/2021 I returned to the XXXX XXXX branch of Suntrust and spoke with XXXX again. He called the fraud department and they said I had to fill out the rebuttal form. Later that same day, I returned to the branch and had XXXX fax the 11 page rebuttal to the fraud department. XX/XX/2021 at XXXX pm XXXX XXXX with XXXX in the fraud department at Suntrust who said that my card didnt work because my account was frozen on account of the fraud. She also said that the case was under investigation and could take up to 45 days. At XXXX the same day, I went back into the Suntrust XXXX again and spoke to XXXX who helped me withdraw the rest of my money and froze the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I received a text message with the spoofed identity of a family member, requesting that I contact XXXX XXXX regarding a debt from Sun Trust Bank. I researched the corporate identity of XXXX XXXX and wrote to the corporate offices that they were in violation of the FDPCA by failing in its initial communication with an alleged debtor, participating in false and misleading information by spoofing text message identity, and attempting to collect and alleged debt that Sun Trust Bank had acknowledged as being invalid. More that thirty days after the declaration by Sun Trust Bank, XXXX XXXX continues in its attempts to collect the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27713
Submitted Via: Web
Date Sent: 2021-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A