TRUIST FINANCIAL CORPORATION


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"Products" offered by TRUIST FINANCIAL CORPORATION with at least one, but usually more complaints:

Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Mortgage debt
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - VA mortgage
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General-purpose prepaid card
Student loan - Federal student loan servicing
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan
Vehicle loan or lease - Title loan

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Complaint ID: 3986379

Date Received: 2020-12-02

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone

Consumer Complaint: I had a few things on my report for years and it seems like they wont take it off its been on there to long and its also in a bankruptcy

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: PA

Zip: 19124

Submitted Via: Web

Date Sent: 2020-12-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3985827

Date Received: 2020-12-02

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I believe someone has stolen my identity and opened a Checking and Savings account in my name using SunTrust bank. I moved to XXXX, XXXX on XX/XX/2020 and noticed as soon as I arrived that someone had access to my personal checking account through XXXX XXXX XXXX and was trying to get money out of a SunTrust ATM in XXXX using my account information. They successfully made two transactions but were denied for the other transactions they tried to process. Once my bank account was placed on hold, I went to the bank and filed for fraud for those ATM transactions, which was then resolved by XXXX XXXX XXXX Fraud department and SunTrust bank. I hadn't heard anything since the resolution and have been checking my accounts frequently for anymore suspicious activity. Since my move, I have changed my mailing address and I had my mail sent from my parent 's house in XXXX to my new apartment in XXXX on XX/XX/2020 at which time I had a couple of pieces of mail from SunTrust bank regarding " my account '' which included a debit card, pin information, and overdrawn balance forms and fees. The checking and savings account at SunTrust was originally opened on XX/XX/2020 and was closed on XX/XX/2020 with a {$170.00} balance due. I have since filed a police report through XXXX XXXX Police Department in the Fraud division, filed a fraud report through SunTrust bank, and am working on getting my social security account and number figured out because there could be more of my identity other than my financial information that has been compromised.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NC

Zip: 28226

Submitted Via: Web

Date Sent: 2020-12-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3984400

Date Received: 2020-12-01

Issue: Trouble during payment process

Subissue:

Consumer Complaint: Bank / Mortgage : Sun Trust now Truist ( after merger with original holder BB & T ) Client : XXXX XXXX XXXX Property : XXXX XXXX XXXX, XXXX NY XXXX Loan # : XXXX Subject : Conversion from non-escrow to escrow For over 12 months, I was notified in writing by both BB & T then SunTrust/Truist that if taxes were not paid then the mortgage company would automatically create an escrow, pay taxes and re-establish a new payment plan. I have been inquiring with SunTrust/Truist about this action item for an extended period of time. On every call, a Client Services rep would reiterate the process and tell me it would be put into motion. On multiple occasions, I was provided dates on when the Escrow Department would take action. Nothing ever happened. I also asked who I should direct the money that I saved for taxes. Every time, a SunTrust Client Services rep would tell me to hold payment to the municipality and wait to pay them when the escrow was established. As of today, XX/XX/2020, minimal action has been taken and we are now at risk of losing the house to public auction. Sun Trust/ Truist turned a simple request into a convoluted mess. Aside from being a victim to their poorly executed process, I am now pleading with the local municipality on how to keep my home. I'm asking for CFPB to intervene and help expedite the escrow process. The goal is to keep my home and not displace my family. XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: NY

Zip: 13440

Submitted Via: Web

Date Sent: 2020-12-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3983428

Date Received: 2020-12-01

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: I'm writing to complain about the refusal of SunTrust Bank to honor the payable on death beneficiary arrangements that were made on my mothers accounts. My mother passed away in XX/XX/2020. The accounts include both a certificate of deposit and a savings account, although the CFPB web site user interface only allowed the selection of one type of account. To reiterate, there are TWO accounts, and one is a certificate of deposit. We believe SunTrust Bank is acting in bad faith. Im writing on behalf of myself and my XXXX sisters, the XXXX of us being all of of my mothers children as well as her three intended POD beneficiaries. Our efforts to resolve this issue with SunTrust include two meetings over several months with SunTrust representatives as well as telephone conversations and email correspondence. We have primarily dealt with XXXX XXXX of the XXXX, XX/XX/XXXX branch of SunTrust Bank. I understand that SunTrusts refusal is based on some technicality within SunTrust, that perhaps some document ( s ) are missing from the bank 's files or were never properly collected and that the bank now insists, after my mother 's passing, on such document ( s ) having existed retroactively I am not aware, however, that any notice was provided by SunTrust to XXXX or to the POD beneficiaries prior to my mothers passing that the POD arrangement at SunTrust was somehow not entirely in order. We believe that the explicit titling of the SunTrust accounts by SunTrust to my mother and the three POD beneficiaries ( which titling appeared on my deceased mothers bank statements, an excerpt of which is attached ), represents prima facie evidence that adequate arrangements were in place to facilitate distributions to POD beneficiaries. Hence our expectation that SunTrust would make POD distributions of my deceased mothers account balances as other local banks have done, including SunTrusts affiliated bank, BB & T. ) Should not my mother and her beneficiaries be able to rely on the information that SunTrust Bank itself puts on the bank statements it sends to customers? If the arrangements were not satisfactory, why did SunTrust send my mother bank statements that very explicitly encouraged her and us to believe that the POD arrangements were in order? ( And is there other information on SunTrust 's bank statements that customers should regard as suspect? Account balances, for example? ) Why should SunTrust, based on some technicality, subvert the intent of their customer when the customers intent was acknowledged by SunTrust in writing on each of the customers bank statements? Is it fair for SunTrust to disavow the beneficiary arrangement the bank acknowledged in writing on each bank statement -- over some technicality that was no fault of the customers or the customers beneficiaries? Is SunTrust acting in bad faith? The remedy SunTrust Bank has proposed, that the beneficiaries go through probate and create an estate account ( and pay the associated taxes and expenses ), is just the scenario that my mother sought to avoid through her estate planning. I note that I have shared with the bank a copy of my mothers will in which she explicitly expressed her intent that all her bank accounts be POD to her XXXX children to avoid probate. For the second time a SunTrust representative promised a response by a certain date and once again that date has passed with no response. I have omitted personal information from this description in accordance with the instructions on your web site : Do not include personal information, such as your name, account number, address, Social Security number, etc. Thank you for your assistance with this matter.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: VA

Zip: 22101

Submitted Via: Web

Date Sent: 2020-12-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3983142

Date Received: 2020-12-01

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: My wife was trapped overseas and I was getting paid less and I had trouble making payments. In XXXX I set up a forbearance plan and I called to double check if they would just just add the payments onto the end of my mortgage they guy I spoke to said yes no problem. When I called after the 6 months the lady I spoke to said I dont qualify and I would have to pay all 6 months or take another forbearance plan to catch up. So now Im on another plan and its very hard to make 2 mortgage payments as Im getting paid less and my wife does not have steady income.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MA

Zip: 026XX

Submitted Via: Web

Date Sent: 2020-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3982985

Date Received: 2020-12-01

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/2020, REGIONAL ACCEPTANCE CORP add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: WA

Zip: 98203

Submitted Via: Web

Date Sent: 2020-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3981967

Date Received: 2020-11-30

Issue: Opening an account

Subissue: Account opened as a result of fraud

Consumer Complaint: A checking and savings account was opened in my name at a suntrust bank from online. I Have never had any type of account with SUNTRUST BANK! NEVER! How i found out i went to my old address to check mail box because my family and i just moved about three weeks ago and all of our mail have not been forwarded to our new home. So when i checked the mail i had a letter from Suntrust Bank with a debit card. I contacted Suntrust customer service spoke with a rep on the phone who got my personal info to verify and was told a checking and savings account was open in my name online and the only thing he could of tell was it was open this month XX/XX/XXXX. XXXX the Rep he couldn't tell us the exact date only the month. That i have to to a branch to get the info that inquired from the actual bank. To no avail so i had the account closed immediately. Went to Suntrust Bank today XX/XX/XXXX and was told they can't give me any information and that the account is already closed. They took my email to inform if anything else happens.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 33142

Submitted Via: Web

Date Sent: 2020-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3981834

Date Received: 2020-11-30

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Consumer Complaint: Per the credit reporting company an individual credit card was opened using my name and social security number. BB & T XXXX, NC opened XX/XX/20 no balance as of XX/XX/20 credit limit {$15000.00}

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OH

Zip: 454XX

Submitted Via: Web

Date Sent: 2020-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3981730

Date Received: 2020-11-30

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: the year XXXX My husband and I financed a car for a relative and later found out the car was repossessed. After a legal fight and was found liable for the car AFTER we were told at the dealership we wouldn't be we decided to pay on the car. It was already on our credit reporting negative before we could do anything about it. XX/XX/XXXX we found out that the company would settle the debt for XXXX and was told it would not be on on credit if we paid that amount. They referred my husband and I told THEIR collection company to collect payment. That company assured us that it will be deleted once the account is settled in full. We then paid the account settled out in full and received a letter from the third party collection agency confirming deletion of this account from my husband and I credit. 15 months later 17 disputes via online 4 via us first class mail and several phone calls and it is still reporting When i spoke with them they said its nothing the can do about what their third party company said. This is deceitful practice and to this day it is still reporting negative charge off. My integrity and credit worthiness has been jeopardized because of this deceptive practice to accept money for a balance owed on an account.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 34758

Submitted Via: Web

Date Sent: 2020-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3981707

Date Received: 2020-11-30

Issue: Incorrect information on your report

Subissue: Information is missing that should be on the report

Consumer Complaint: In 2017, I had a car loan with Regional Acceptance Corporation, I actually got a little behind in my payments and I was receiving collection calls from their in house collections team. One day I received a call from my brothers number I went to answer the call and it was actually a rep from Regional Acceptance, it threw me off as again it was my brothers number, she started talking, as that was happening I called my brother because i through maybe they called him and he three way me into the call, I spoke with him and confirmed this did not happen, i went on to ask the rep how she contacted me with a different number the call was disconnected shortly after. I called back and spoke with a rep advised what happened she immediately got me to a supervisor, that supervisor apologized and advised what the employee did was use an app to call me and they don't tolerate and she took all my info and transferred to the VP of the call center. I sent them my XXXX phone bill and my brothers confirming he did not make a call to me but it was his number that indeed called. I went on to speak with both Regional VP and President of call center who apologized and advised this would not happen any more. I wanted to submit a complaint at that time and did not know what resources were readily available to me. Fast forward to today the loan has been cancelled and I received a 1099-C from the company they have forwarded to me in writing that they are no longer collecting and have written the debt off. I was advised this would no longer show on my credit report, fast forward now they claim they will not remove from my report for 7-10 years. I sent a complaint through XXXX XXXX XXXX and they sent a response advising they will update but not remove. This is negatively affecting my report as I try to move on with my life. I am constantly having to explain this debt and it just sounds like I am lying to other lenders. I am asking that this debt be removed as a courtesy from my report as regional has cancelled the debt. When I called they said they report to the credit bureaus each month and even though i don't owe to them any more they do not care to remove it will fall off in 7-10 years automatically. I also have submitted several disputes and they won't confirm to the credit bureaus they cancelled the debt so it can be removed.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OH

Zip: XXXXX

Submitted Via: Web

Date Sent: 2020-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.