Date Received: 2021-10-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021 I contacted BB & T because once the merger was successful I was charged a service fee of XXXX throwing my account into overdraft. The total I owed was XXXX and some change ( exact dollar amounts forwarded upon request ). I cleared that balance, paid it in full and closed the account. The bank informed me that because my direct deposit was less than XXXX the fee was charged. I was outraged. I am XXXX XXXX of age and was in the hospital for several weeks, thus my direct deposit was less. So I cleared my balance with the bank, and left XXXX in the account because I am tired of the money that BB & T now Truist takes in fees from my account and the fees they collect on my account. On XX/XX/2021 I closed my account in person at the XXXX XXXX branch and there was a XXXX balance, today I checked the account as the cards were cut in front of the young lady that I went into the bank to closed the account. No paperwork was given and I was informed that I would not receive paperwork that day but that it would be mailed to me ( and to date I have not received that paperwork ) so I asked her for my account numbers and routing number so that if my deposit came in before my job stopped my direct deposit and it was routed to BB & T they could find my money. This bank has been ripping me off since the pandemic started and I have proof of how many times BB & T closed my account and issued new account numbers, ATM cards and prepaid Debit cards in order to keep me as a client. They knew they was wrong and I can forward this information upon request. Today I called BB & T/TRUIST to make sure my direct deposit did not go to an closed account, ( today is XX/XX/2021 ) and this bank had the nerve to charge me XXXX on a positive account ( it was not negative when I closed the account and they charged me this fee on a closed account. I would like to have this fee and charge dismissed as they young lady informed me to keep the XXXX in the account in the event that my direct deposit hit. Now how did the XXXX become a negative XXXX and they access a fee of XXXX on a closed account. All my creditors ( proof given upon request ) was given my new account ( Visa card numbers for bill paying on XX/XX/2021 ) so no bills went or was forwarded to BB & T for payment. I am not going to pay this fee and would like to have it cleared and closed before they report it to the Credit Bureau. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2021-10-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2021 I discovered someone had used my debit card to make 52 different transactions for the purchase of online gift cards. The total was a little over {$6300.00}. I contacted Suntrusts fraud department and reported it the day I made the discovery. I was told by two different employees that it would be investigated and if fraud was detected the funds would be returned to my account within 10 business days. On XX/XX/2021 ( 11 business days ) I was contacted by email from Suntrust and they stated may claim had been denied. I contacted the fraud department and they were no help at all, would only state it was denied due to inconsistent information and evidence. They were either unable or unwilling to provide me with any information on why or how any information or evidence was inconsistent. During the so called investigation I was not contacted by anyone from Suntrust for any reason. So now I have to file paper work disputing the results of there investigation, and wait 45 days. Im a XXXX XXXX of 20 years so I myself have investigated hundreds of fraud cases and I could have easily came to the conclusion that the transactions were not made by me in a day. In 20 years in XXXX XXXX I have never seen a bank reject a fraud case like this. Its a shame someone can go through my bank to steal my money and Suntrust allows them to do it and then denies my claim.
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: 2021-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT METRO 2 data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. REGIONAL ACC bal. {$14000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
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: 2021-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Suntrust bank, now becoming Truist, has frozen my savings and checking accounts and have given me no explanation. I have been to the bank and they tell me that I will be getting a letter about my account. My son had his account frozen because he is constantly overdrawn. He is a teenager and we are working on him and how to manage his money. My wife is on his account and she is on my account. All the bank will tell me is that my account is frozen, that they are severing their relationship with me and that I will get a letter. I have gotten nothing. I understand them closing my sons account but I have been a great customer, pay my credit card in full each month. I do not understand why they won't tell me what is going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32127
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have been a client of BB & T/Truist for many years. The recent Truist merger has truly made client service unbearable. I am in process of switching banks and want to redeem the rewards accrued on both my credit card and my wife 's. I simply want to transfer the rewards cash accrued to our checking account. The challenge is BB & T/Truist will only transfer in {$25.00} increments ; therefore, if I close the credit card accounts today, I would end-up leaving about {$6.00} on one card and {$17.00} on the other, in accrued benefits that could never be redeemed. It's not a huge deal, but if you combined all the clients having to leave rewards unredeemed - it's a lot of money! The response given by the client representative was that their system could only transfer in {$25.00} increments- but I bet if their system shorted the Bank {$23.00} it would be fixed rather quickly... I have escalated this with the Bank, but feel it will be ignored. I am also considering talking with an attorney about a class action suit. Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27104
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was unaware of Consumer Finance Protection Bureau. The Tennessee Division of Consumer Affairs has been helping me resolve an issue with BB & T Bank. BB & T had the {$5.00} a month promotion going. So I opened an account with BB & T and I called them to make sure that I was opted out of overdraft. Then I got charged an Overdraft Fee anyway. So I filed a complaint with the Tennessee Division of Consumer Affairs. BB & T assured me that I was completely opted out of overdraft and that it wouldn't happen again and then I got hit with another overdraft fee and a " returned item fee ''. I am on Social Security XXXX so I don't have the money to be able to pay overdraft fees so if there isnt enough money in the bank then the transaction shouldn't go through. BB & T is just making up things to charge me more than the {$5.00} a month that I agreed to pay. BB & T has done nothing to earn this money and they've been told repeatedly by myself and with the Tennessee Division of Consumer Affairs moderating to stop. But, they act like they can just make up new names for things to steal money from me. I don't actually know what overdrafted and what item was returned because even at the time of this posting BB & T has not disclosed it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37917
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: BB & T allowed a fraudulent checking/savings account to be opened up in my name. About 3 months the fraud was identified and the account has been blocked from additional activity. I keep getting notifications that the account is overdrawn. Ive called both a local branch and the BB & T fraud dept about closing out the account and disassociating me from it. Apparently, no action has been because I just received another notification threatening to report this to XXXX if I dont pay the overdrawn balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27705
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I found fraudulent charges on my SunTrust account, I reviewed the listed charges and found fraudulent charges for multiple XXXX Trips. In the attachment titled " XXXX at XXXX XXXX, '' I have a screenshot of my most recent bank account transactions from XXXX. I searched XXXX in my transactions and took a screenshot of the most recent ones. I can confirm the transactions from XXXX XXXX for XXXX ( XXXX transactions total ) are all fraudulent. This page also contains an XXXX transaction from XX/XX/XXXX, but this is not fraudulent. The second attachment is called " XXXX at XXXX XXXX '' and it is a screenshot of my own XXXX account. It presents a list of all of my trips with XXXX. Comparing the two documents there are obvious discrepancies. After logging into my XXXX account and reviewing my XXXX Trip History, I noticed the only transaction from my bank account on my XXXX Trips History was on XX/XX/2021. I want to make it clear that these photos have not been edited. There is also no option to delete my XXXX trips from my account history. Further, I would be willing to confirm all of the above in a legally binding affidavit, if necessary, in pursuing this claim. In conclusion, the fraudulent transactions are from XXXX on XX/XX/XXXX ( 1 transaction ), XX/XX/XXXX ( 2 transactions ), and XX/XX/XXXX ( 2 transactions ). These do not appear in my XXXX account history. The fraudulent charges total to {$280.00}. To prove my XXXX account has my SunTrust card connected to it, it is evident the XXXX transaction on XX/XX/XXXX in my bank account appears on my XXXX Trip History. Given my longstanding relationship with SunTrust, the severity of the fraud I experienced, and the extent of the efforts I have made to substantiate its occurrence, I wanted to see this matter resolved promptly and my money reimbursed. However, Suntrust rejected my appeal to their initial decision and were unable to reimburse me of the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28803
Submitted Via: Web
Date Sent: 2021-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 my husband went to put gas in our car and upon trying to pay with our debt card it was denied. He then proceeded to two more gas stations and the same happened. He called me to see if there was something wrong with the account and that is when I found out after checking online the bank had closed our account no warning no explanations. I called the bank Customer support only to be told to go to the branch to resolve the matter. We went to the XXXX XXXX, Florida branch and were told that the matter was confidential and they could not discuss it. We talked to the branch representative who checked with the home office. The bank representative told us that the matter was with me not my husband and it was labeled " confidential '' and she did not know what was all about. She apologized and said the same thing had happened to her some time back. She advised my husband to open another account and transfer the funds and that would take a few days until all pending items cleared. I have called the bank only to be told the same story, no explanations, no reasons, absolutely nothing. I am an elderly person, no criminal record, excellent credit score. I finally received a phone call from the bank asking me to contact a case worker but I would have to do that at the bank. Today XX/XX/2021 I am going back to the branch to try and find out what is going on!!! This has been very stressful and upsetting for both myself and my husband in our middle XXXX having to be subjected to this humiliation and no explanation. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2021-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Ref : XXXX XXXX XXXX, XXXXt 2nd Mortgage Loan Number : xxxxxxx Property Address : XXXX, XXXX, FL XXXX On XX/XX/XXXX, I purchased a condo with the down payment assistance program ( HAP DPA Program ). I received {$10000.00} for the down payment - interest free as a second mortgage. My contract stated that the second mortgage is due on Sale, Refinancing, or Rental. Im refinancing my condo so I need to paid off, the HAP loan, the second mortgage for, XXXX, XXXX, FL XXXX. For over 3 months I have called SunTrust Mortgage to requested a payoff letter to settle my commitment for the HAP loan. XXXX XXXX XXXX, my future mortgage company, has also contacted SunTrust multiple times to receive the documents to pay off my loan. I can't complete the refinancing of my condo without the second mortgage information. I was scheduled to close on, XX/XX/XXXX. My closing was canceled because we never received the documents to settle my second mortgage. On XX/XX/XXXX, I went into a XXXX, FL, bank branch BB & T/SunTrust now Truist for assistance in receiving the information for my pay off letter so I could settle this matter. I met with XXXX XXXX, who requested the letter of payoff on my behalf. As of XX/XX/XXXX, nobody from Truist has contacted me with the information I need to proceed with my refinancing. I'm at the mercy of SunTrust to complete my mortgage refinance. Completely frustrated and still waiting for the payoff coupon or letter of settlement which was promised each time I spoke to SunTrust. On XX/XX/XXXX, I contacted Ms. XXXX, again to inquiry about her success in receiving my payoff letter, Account # xxxxxxx. Ms. XXXX has not received any information on how much longer I will have to wait for the payoff letter. Your consideration in this matter is appreciated. Kind Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2021-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A