Date Received: 2023-11-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX Truist called me to inform me they detected XXXX {$1.00} charges charged to my credit card. I informed Truist I did not make those. Truist informed me they would remove those {$1.00} charges from my account, which they did. They cancelled my current card and reissued a new card. Did not receive my statement for billing cycle XXXX. XX/XX/23 When I checked my statement on line, I noticed XXXX XXXX charges charged to my old credit card on XXXX totaling {$1100.00}, which I did not authorize. I contacted Truist and advised them that these were also fraudulent charges. They told me they would investigate and have it resolved within XXXX billing cycles. I called Truist on XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23 and XX/XX/23. It has already been XXXX billing cycles and no resolution. I am incurring late fees and interest charges. I am also getting delinquent calls from Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Somebody I don't know deposit a bad check in to my account and my bank account is been frozen since XXXX don't give no authorization to nobody I just did a bank verification for a normal loan.Now a scammer, an intruder is using my personal information on my Truist bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I am writing to delete a hard inquiry from Regional Acceptance on XXXX. I am requesting the documents to prove that I XXXX XXXX gave Regional Acceptance permissible purpose to obtain my information. Regional Acceptance uptained and used my information without my consent according to the consumer law 15 USC 1681Q, Any person who knowing and willfully obtained information on a consumer from a Consumer Reporting Agencies under false pretense shall be fined under title 18.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06108
Submitted Via: Web
Date Sent: 2023-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX, Truist authorized some fraudulent activity on my account. They allowed numerous unauthorized XXXX transactions to remove money from account. I want my money put back into my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38134
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Ive been fighting Truist bank for 4 years now. I have submitted 2 complaints thru CFPB you guys have done nothing! Truist will respond and you guys close the file without investigating anything. We do not and have not gotten a loan from Trusit bank. There are not even any Truist banks in California ( which is where we were living at the time it opened ). We had other fraud charges which have since been investigated and removed. Truist called us and began asking for our SNN, DOB and bank account numbers. Why would I give them this personal info, especially over the phone, with no verification and when theyve already given the wrong people access to something in our name? I have had to call and fight to get a copy of the contract ( they didnt want to send the first XXXX ) the signatures do not belong to me or my husband. They dont have copies of our IDs or anything else. They will not work with us or remove these false reports and the negatively report on our credit every 3 days damaging our credit and ruining our business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Sixteen fraudulent transactions were starting on XX/XX/2023 for a total of XXXX. These were all online ( Card not present ) with XXXX XXXX with no PIN #. Truist returned XXXX but refused to refund the rest because the 1st fraud was over 60 days. The complaint case # is XXXX Bank : Truist We followed the steps as requested and are consistent with the Zero Liability Policy. At first glance, this policy appears to provide adequate protection for the consumer. Still, in reality, it is toothless, and Truist will make the minimum effort to give a satisfactory resolution. ZERO LIABILITY POLICY FOR CONSUMER DEBIT CARD PURCHASES. You may have no liability for unauthorized debit card purchases, subject to the following terms and conditions : A ) Our zero liability policies apply only to unauthorized purchases and certain ATM transactions using your debit card. Any claims of unauthorized debit card purchases that do not meet the conditions of this section and any claims of unauthorized transactions involving other types of electronic fund transfers are governed by the error resolution requirements as described in Section 10 of the Electronic Fund Transfer Agreement and any separate agreement provided in connection with the issuance of the access device. If your claim does not meet the terms and conditions contained in this section, the bank will automatically re-examine your claim in accordance with the error resolution requirements as described in Section 11 of the Electronic Fund Transfer Agreement. B ) Our zero liability policy may not apply if : ( i ) we determine the unauthorized transaction was a result of gross negligence or fraud on your part; ( ii ) you fail to provide us with a statement or affidavit of your claim within the time requested ; ( iii ) we determine the transaction was not unauthorized as defined below; or ( iv ) you fail to report the loss, theft, or unauthorized use of your debit card or card number within a reasonable period of time. A reasonable period of time will be determined by bank in its sole discretion, but in no event will it be shorter than the time periods specified in the error resolution requirements. C ) Unauthorized Defined A transaction is considered unauthorized if it is initiated by someone other than you ( the cardholder ) without your actual or apparent authority, and you receive no benefit from the transaction. A transaction is not considered unauthorized if : ( i ) you furnish the card, card number, or other identifying information to another person and give that individual express or implied authority to perform one or more transactions and the person then exceeds that authority, or ( ii ) for any other reason bank concludes the facts and circumstances do not reasonably support a claim of unauthorized use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27615
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I caught suspecious transactions on my account. One on XX/XX/XXXX by XXXX that is {$360.00} and the other on XX/XX/XXXX by XXXX XXXX hotel that is {$580.00}. I confirmed that both of transactions wasn't authorized by me. I reached out to the fraud department of Truist ( my bank ) about these two transcations, and they are refusing to refund due to the same pattern of transaction. One of the specialist in fraud team confirmed that I've never bought any products/ services from XXXX XXXX hotel . Also confirmed that I haven't bought any products from XXXX for about 3 months. I reached out to those two merchants to inform those transactions were fraudulent. I got a name of individual who reserved the room at XXXX XXXX hotel using my card information. I also talked to XXXX customer service about these transaction. XXXX says that the payment didn't go through, so the order is in still pending process, but they still charge me {$360.00}. I told all these information to the fraud department, and they said they are closing the case due to a large amount of cases. They are refusing me to help me, and defending the active criminal who still try to use my card information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Completed new checking account application and paid {$50.00} opening deposit. Account was flagged as fraudulent. Instead of Truist Bank returning my opening deposit to the original payment method and closing the account. Truist kept my {$50.00} opening deposit and sent me a debit card that can not be activated.Truist has charged a monthly {$12.00} fee to the account until it now has a negative balance of - {$34.00}. I get monthly statements to an account I have no access to and am unable to get my opening deposit back from Truist. I have been trying for several months to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 199XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-24
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: Refinanced our home XXXX years ago. The XXXX was sold within 30 days to Sun XXXX. 3 months later we received foreclosure paperwork and found out they were taking payments and not crediting them. Our loan number was never added to the system. Got that fixed. Fast forward to now. For several months our payment was being taken out and not credited because they couldn't figure out how to find our loan. Payment amounts changed but they could not fix the auto pay or cancel it so we would have to call in to pay balances and late fees and fight with them to actually find our payment and credit it properly ... in fact... even continued accruing late charges even though payments cleared our bank. More than once we finally got a letter from the mortgage company saying -hey sorry for the inconvenience. we fixed it! - But it wasn't fixed! After getting nowhere with the mortgage company we had to go to our bank to try to get a stop payment and halt the bill pay from our end. Finally accomplished this. Now... we just got foreclosure paperwork again. Truist is claiming we never made the XXXX payment or XXXX. We have literally faxed, verbally talked to these folks and now sent a certified overnight letter detailing all of the issues, We have provided proof of payment for XXXX and also the check for XXXX. This was accompanied by documentation and a formal letter detailing the errors in the servicing. Found out there is yet another new servicing company and no one can seem to find our loan except of course for the ones calling to get our payments... which were already made! Instead of crediting the XXXX payment which we proved we made... they ignored that and used the XXXX check to make a duplicate XXXX payment and now counted us late for XXXX and accrued yet another late fee. They have cost me XXXX points on my credit report and have stolen the money for the XXXX payment as they are claiming it wasn't made even though we proved it was. We have emailed, called, faxed, written, involved another mortgage broker and spoken to our attorney. We can not even refinance this mortgage and get rid of these folks because they have damaged my credit so badly. This situation also caused a problem with our bank accounts which we ended up having to move to another bank to fix and that in turn impacted our other bills and caused a huge inconvenience to us to have to change auto pays ... catch up returned payments etc. We have sent complaints to their bank and posted a complaint on their corporate complaint site and received no communication back except for yet another useless rep trying to collect money they are not owed. This has been a nightmare and my credit and my home as well as my finances are being jeopardized by a predatory lender that can not seem to service my loan correctly. The company we refinanced through is XXXX XXXX Mortgage. They sold the loan to Truist Bank within 30 days. The first servicer taking our payments that failed to record payments for 90 days and couldn't find our account was XXXX. The second servicer took over from there and it was back to Truist. They are the ones that failed to record payments and kept changing the payment amounts and said they couldn't fix the issue so they continued to ding us for late payments every month and we would have to make additional payments during the month to avoid credit being impacted. The most recent servicer ... that we never even received information on ... is BB & T. They took our XXXX payment and claimed we never made it and they also have ignored correspondence and took our XXXX and used it to make a duplicate payment for XXXX and they are now counting us as past due for XXXX, charging a late fee and will ding credit yet again. Couple of other pieces of additional information... we have attempted to get online banking for this account set up and it doesn't work. The resolution department or whatever they call themselves could not help get it set up because they can't find our account. I have sent a letter and given permission for them to talk to my wife and they completely ignore that. Apparently the only ones in the company that can actually find our account are the reps that have to collect payments and most of them can't speak XXXX. We have already submitted a letter of error to these folks... This is a predatory mortgage company and they are wrecking our credit, impacting our life and causing an undue amount of stress and financial issues. We believe they have this business model so they can deliberately get more money out of clients and use credit and foreclosure scare tactics rather than getting managers involved to try to help their clients. Ultimately ... our home, equity, and financial peace as well as our credit is being impacted and potentially damaged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 812XX
Submitted Via: Web
Date Sent: 2023-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card with a company called truist. I applied for a card with no annual fee or apr for 12 months. However, during the first year I got charged a lot of interest and even an annual fee. I reached our to the CFPB, and they reached out to truist and the issue was fixed, or that's what I thought. Recently I got charged another annual fee even though like I stated, the card I have has no annual fee. I called them and let them know of the issue but it's been close to a week and I still see the annual fee, and now I'm getting late payments and interest because of this annual fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07093
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A