Date Received: 2023-11-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: No company involved - money transferred to an imposter. Please refer to CFPB XXXX XXXXXXXX previously closed. Wish to reopen due to change in changes in XXXX XXXX guidelines. Truist Case XXXX My original complaint was disallowed because the transaction was " authorized ''. Due to changes in XXXXXXXX XXXX guidelines, authorized transactions are now refunded if the transaction was an imposter scam which mine was. I sent a letter to Truist to reopen my closed case on XX/XX/2023, but Truist has not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: In XX/XX/2023 we requested a payoff quote which was given verbally over the phone and we were told it was good through XX/XX/2023. We were also told we would receive a letter verifying the payoff information. This letter was never received and we mailed a check through our bank bill pay to the mortgage company. The check was processed and never cashed as it turned out that we were not given the correct address for mailing the payoff. We stopped payment on the check and reissued the check and the bank sent it to the correct mailing address. Again, the check wasnt cashed and we had to stop payment on the check. It turns out that the funds had to be issued by certified check or electronically BUT NO ONE during the many phone calls advised us of this. We received an overnight envelope a few days after the payoff amount expired with the first check, instructions for completing the payoff which had to be certified or electronically issued funds. Now we are late with the payoff and our mortgage payment which caused us to have to go to the bank to complete the transaction and pay almost XXXX more due to the incompetent customer service people at Truist Bank. They were the worst mortgage company we have ever dealt with. We would like the original payoff payment honored and the overage of the second payoff refunded. We have paid our mortgage in full. This is a second attempt. Truist DID NOT respond to MY complaint but responded to some other customers complaint on my complaint account. Truist responded to a XXXX XXXX, that is NOT be and the items discussed in his letter are not my issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29455
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: In XX/XX/2021 I purchased a home that needed the pipes lined and reached out to XXXX XXXX. They quoted me $ XXXX and suggested i use Service Finance Company to complete the job. I applied and was approved at a 6 % interest rate. During my application call the rep informed me that there was no early pay off penalty but these guys have made it impossible. On top of that i was diagnosed with XXXX XXXX XXXX XXXX and have been torn with paying off the loan faster or letting it go since its no easy way out my payment is like {$260.00} per month. I would like to make more aggressive payments. For example, $ XXXX which would reduce the balance and give me more time to gather funds. Their rep advised me that if i did submit that payment it would reduce the balance but it would only cover a billing cycle for XXXX and XXXX and my payment would still be due in XXXX. Now in a car loan scenario, this too would happen. the difference would be automatically shifted to the principle. BUT when the customer calls and says that this is what they want to happen, the bank makes the change. I find their practices to be predatory and deceptive
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: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I opened a Truist account online about 6 months ago with a required deposit of a minimum of XXXX XXXX To this day I have not received the XXXX dollars back. I tried signing in but it said my account is not active. I called and they told me I have to go into a branch office to verify my account. So I went to the location in XXXX XXXX XXXX area after work already tired because they arent open on weekends or any convenient hours. Waited for the manager finally and she told me to call.. so after explaining I already called she said there is nothing she can do and I have to call.. Now I called and they are telling me the same thing. To go to a branch and verify my ID. I have waited over 3 months for a check to come in the mail but havent seen anything..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an an account in Truist Bank on XX/XX/XXXX and deposited XXXX checks electronically, XXXX in the amount of {$1900.00} and the other in the amount of {$3900.00}. A week later I received a notice from Truist Bank that they suspect the checks are fraudulent and account is being closed. They gave me no information about why they suspected fraud. I requested that they send me a letter explaining why they suspect fraud. They promised they would send q letter but I received no letter. Truist told me I would have to get a notarized letter from my employer stating that the funds were intended for me, and a statement from the manager of the issuing bank to show that the check cleared. I was not sure I understood these instructions clearly so I asked truist to send me these instructions in writing. They told me a letter was issued on XX/XX/XXXX. I waited but received no letter either by email or post. I contacted my employer who issued the checks and was told that the checks cleared on his end. He gave me a printout showing the checks had cleared. I contacted XXXX bank ( the bank the funds cleared from ) to ask for a letter but they told me they don't write such letters and had no idea what I was talking about. Since truist had not sent me the documentation I requested I was unable to clarify with XXXX bank the information I needed. I received a bank statement from truist showing the XXXX deposits totaling {$5900.00} but the funds were still unavailable I called Truist again to ask about why my funds are still on hold. I was kept on hold for nearly a hour and was told they had no information for me other than they suspect fraud. I again asked for all this information in writing which I still have not received. On XXXX I received q letter that my account was closed and the funds are in an escrow account. It is now 2 months since I opened the account, I have no access to the funds and no clear account from Truist about why they are withholding the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
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: On XX/XX/23, 4 purchases made while playing XXXX XXXX ( a game on XXXX ) each in the amount of {$240.00}. Total amount {$990.00}. Although my credit card was charged 4 times, I did not receive the items purchased. I reached out to XXXX who stated they did not have any record of me making the purchases. I then reached out to XXXX ( the credit card processing company which is used for payment processing by XXXX XXXX ) and they did not respond after several attempts. I then reached out to Truist bank to dispute the charges on my credit card as the products were not received and the vendor confirmed no purchases were made. Truist declined the dispute. I then reached out again to XXXX who refused to refund the monies charged to my account even though the monies were not forwarded to the vendor. I reached out to Truist once again to reopen the dispute which was reopened and declined again. Today I contacted Truist and was informed that the dispute was declined as a result of the purchases were made through a third party. My purchases were made within the XXXX XXXX app which is directly from the vendor. I requested today that the dispute be reopened again by Truist and was denied the opportunity. Im at a loss of any next steps to obtain the monies for items purchased that were not received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34609
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: I am on social security and the company was aware of this I get paid once a month at the XXXX wed of every month and again original company SunTrust well they were all aware of this. SunTrust sold the company to Truist. I had a fha loan to keep my payment of XXXX approximately the new company raised my bill to XXXX dollars Sun Trust knew that i did not get paid till the end of the month and they added late charges i spoke with them a while ago i wanted my payment date moved but nothing was done. I have tried to pay my bill for the last 2 months and they refused to accept it so now i am 5 months behind because of it. My loan investor they are trying to give me is XXXX XXXX!! federal housing Administration. i was having no problem paying the mortgage `till they took it up XXXX dollars and my grandson left and he was paying the XXXX XXXX XXXX which runs XXXX a month.so as you can see a bit of money added to my financial stress I do not want to lose my home so i definitely have a financial hardship would i be eligible for any assistant from the state of federal government i spoke to someone from Community and they told me because i had to put my son and daughter in law into the application. They do live with me and they pay my cable bill but there is no other financial aid from them they have their own life here. I do have custody of my XXXX great grand children Truist denied my request so where do i go know and what can I do to save my home my balance on the house is XXXX with a mature date of XXXX XXXX the new principal would XXXX this includes my insurance also and taxes I do not want to sign the disclosure that they sent me because it would take my payment out I will be dead/ they also want me to pay not sure of the correct amount but is is about XXXX dollars now if i had this kind of money for a down payment don't you think i would have paid my bill and not even need this. All if looks like to me they are setting up for a foreclosures when i die so they can take the house back after i have paid on it so many as you can see i need help please let me knowif anything can be down ' thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 130XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have had a Truist bank account for over 6 months. Every time I deposit a check via mobile deposit or any deposit they held my check at least 5 days. This last time they held it for 12 days claiming its in the hands of XXXX fraud department. And now my bank account is frozen. But no one is telling me why! I have called everyday because my customer who is expecting her bathroom remodeled is very upset. # 1. for having to go thru this. And # 2. Because she slipped and fell in her old shower I am supposed to have fixed by now but can not. SO if this goes to court it will be Truist that needs to explain finally to the court why they have discriminated against me from day one on every check. And why my customer had to fall in her shower due to they're neglect and discrimination against they're own business checking customers. And today after 3 days of being told I needed to call in and have my account unblocked today. I called in 5 times being on hold for 2 hours total. And still after talking to them all day. They tell me I have to wait for someone to call me that is refusing to call me. So I still sit here unresolved an no one will help me at Truist. I have suffered, my business has suffered again and again, my customers have suffered, and still no one can tell me why this is happening or when they will decide to call to resolve it! Either way it looks like I'm going to need an attorney to get a XXXX company to give me my business, life, and money back so I can take care of my customers properly. Completely unexeptable behavior!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 484XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I recently found a charge for {$540.00} on my truist business checking account for XX/XX/2023. I've never dealt with the company XXXX, ever. It says 'POS transaction ' and I can tell you I've never been to your their store or bought anything online. Never heard of them. The reference number through my bank is XXXX. The authorization response code is XXXX. The last 4 of my debit card is XXXX. Truis refused my claim because they said my contract says if I dont report a charge within 30 days, then I miss my chance. I have not been shown a contract that says that. They said I needed to contact XXXX. XXXX refused to provide any information or refund the stolen money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32308
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a personal account and a Business Account and I can't get access to either one. I have been trying for way over 6 months. I just want my money and they can close both accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A