Date Received: 2023-11-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I entered a rental agreement and paid the landlord the security deposit and first month 's rent through XXXX and mobile bank transfers with my bank, Truist Bank. The 3 bedroom, 2 bathroom house I was attempting to rent was listed on XXXX for {$700.00} a month. The " landlord '' never sent me my keys after I paid him a total of {$1200.00}. I signed a lease on XX/XX/XXXX and was ready to move in, but when I went to movie in, the house is already occupied. The rental agreement was fraudulent, this was a scam. When I went to my bank to file a complaint and have my funds refunded to me, they told me they could do nothing about it, despite having the necessary evidence to prove that I was scammed. I am in desperate need to have my funds refunded to me. I am currently struggling immensely financially due to fraud committed by the individual responsible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I receive two hard inquiries why Im at work from XXXX XXXX in XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19142
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: There where credit cards and bank accounts fraudulently opened in my name with truist I seen the inquiry months ago and filed a identity theft report I also filed a complaint on cfpb and they still allowed accounts to be open in my name I would like this account deleted and removed off of my credit report and off of my name thanks My ssn is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95828
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: My homeowner 's insurance is escrowed per my final signed closing disclosure. I received notification from my insurance company that a payment is due for {$940.00} for the year. I also received a letter from my mortgage servicer ( Truist ) to contact them immediately regarding cancellation of insurance. The reason my insurance was being cancelled is due to the annual premium not being paid by my mortgage servicer. There is currently {$3000.00} in my escrow account per my most recent mortgage statement. When I called Truist, they informed me my homeowner 's insurance is NOT escrowed, even though it does show escrowed on my final signed closing disclosure. The letter Truist sent me also has my insurance policy number on it so I know there was some kind of communication between Truist and my homeowner 's insurance ( XXXX XXXXXXXX XXXX XXXX XXXX ). Truist is now saying they are force placing their own homeowner 's insurance because they received notification of my cancelled insurance, but their insurance is more expensive than mine. They informed me there is no way around this and that it is my responsibility to make sure the insurance is paid and my property is always covered. However, I signed the closing disclosure stating my homeowner 's insurance premium would be paid from my escrow account and that the reason the insurance was being cancelled is because they have not yet paid the annual premium from my escrow account. I spoke with a representative on XX/XX/2023 with all of this information and they are going to call me back tomorrow or the next day to follow up with me. I do not believe it is fair that I have to pay a higher insurance premium that Truist is force placing because Truist failed to pay my homeowner 's insurance on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38401
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The XXXX data breach effected my credit profile and I want this recified
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 756XX
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: XX/XX/2023 I deposited XXXX in my account and after I deposited the check my account was placed on hold.. I reach out to Truist Bank and tried to fix the problem and the bank place a 10 day hold to make sure funds would be available. My fund became available XX/XX/2023 and they put another hold on my funds and will not give me a date to get my funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
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: On XX/XX/2023 my Truist accounts were hacked. The hackers were able to transfer out of my money market savings account to XXXX checking accounts and then XXXX the money out of my accounts. Altogether I lost {$9400.00}. XXXX months later I still have not retrieved my money from Truist. Through my branch manager ( they have not provided a written decision about my case ) they are saying that it is my fault that my accounts were compromised, but I did not give out any mani information to anyone and I did not authorize these transactions. They are also saying that the money was transferred to another bank that refuses to return it so my money is simply gone. I have exhausted all avenues to get Truist to make good on my lost funds. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/23 I was contacted from Truist bank fraud department stating they had identified someone trying to make purchases using my debit card. The man proceeded to ask me questions about the charges and I stated it was not me. He then said he would block those charges and ask me to give him the XXXX time code to resolve the problem. He successfully did XXXX wire transfers of which I was not aware of until I drove up to Truist Bank. The XXXX charges are as follows : Wire transfer of XXXX, wire transfer of XXXX and a wire transfer of XXXX. The bank is not refunding the money back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28461
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Repossession
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The amount owed the charge off amount written off and the balance owed does not make any since this company had an lawsuit to to the error in reporting the company is also reporting differently with all three bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 761XX
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the bank ( Truist ) on XX/XX/2023 to withdraw some money from my checking account and was told the account balance was insufficient for my request. I spoke to the branch manager and she explained that a withdrawal of {$840.00} was made on XX/XX/2023 at another bank location outside of my district. She proceeded to file a claim for reimbursement for fraudulent/unauthorized activity. I called the fraud department on XX/XX/2023 to check the status of the claim and was told my claim was denied because I did not report the fraud within 30 days of the transaction. I explained that I could not report the fraud within that time frame because I did not know the transaction had taken place until XX/XX/2023, and I filed a claim that very day. I filed an appeal and was told the appeal was denied as well. I called the fraud office again on XX/XX/2023, explained the situation and how I could not file a claim before XX/XX/2023 because I had no idea of the fraud before that date. I also requested what process was used in their investigation and was NOT provided with any futher information. I explained that if they would review the surveillance during that transaction and the forged withdrawal ticket, they would be able to see that I was not the one responsible for the transaction. I put my money in the bank for protection and for the bank to allow someone to STEAL it is just wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28139
Submitted Via: Web
Date Sent: 2023-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A