Date Received: 2023-11-23
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have included details but concern is that Truist is violation Regulation E, False Provisional Credit Letter and Delays in processing, show different data on my account online vs what they XXXX internally. Do I need a lawyer to get this account cleared up? XXXX XXXX XXXX : XXXX. On XX/XX/XXXX reported Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX* XXXX XXXX - XXXX XXXX XXXX NY {$87.00} Was advised that the Card would be closed and a New Card Issued. XXXX. On XXXX reporterd another Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX NY {$3000.00} Was advised it has been reported and I asked where my replacement card from XX/XX/XXXX would be received. They indicated there wwe no card ordered on XX/XX/XXXX and would do one and I would get it in XXXX days. XXXX. Various communications between XXXX and XXXX XXXX. XXXX - emailed XXXX XXXX to advise indicate that the new card received was being rejected by all uses. XXXX. XXXX Tried to use the card and received a FRAUD ALERT Email to XXXX XXXX - Update on your XXXX XXXX XXXX - Reference Number XXXX XXXX. Various communications between XXXX and XX/XX/XXXX XXXX. XX/XX/XXXX Email to XXXX XXXX on Interest charge Received on the above XXXX Fraud reported Transactions of $ XXXX responded Let me find out what is going on and I will call you today. XXXX. XXXX requested by XXXX XXXX, Client Frontline Support, Client Escalations and Solutions XXXX to send her copies of Statement, and letters received acknowledging fraud under review. XXXX. XXXX Reported to XXXX XXXX that I received letter stating that Provisional credits issued that were previously issued are permanent and reported that I HAD NEVER RECEIVED ANY PROVISIONAL CREDITS. Also asked about why Truist had not stopped my liability on Regulation XXXX and never responded to this statement. XXXX. XXXX - Called by XXXX in the XXXX XXXX Department that they have re-assigned my claim ( same claim XXXX XXXX ) based on my reporting the fraudulent letter of provisional credit of XX/XX/XXXX. They could not find the letter, could I send it to them. She indicated I could call XXXX for a status update at any time. XXXX. XXXX Received a email from XXXX XXXX that XXXX Details : Disposition Status : Research Resolved Disposition Comments : Claim has been escalated for review. Hopefully I will have an answer soon. XXXX. XX/XX/XXXX Sent email to XXXX XXXX that I just received another Interest charge ( {$51.00} ) on the XXXX amounts. I copied the statement in the email. Asked about how this Interest gets added to the Refund on the fraud claims.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I never requested to get my credit inquiry for inquiries mentioned below : A FEW OF THEM ARE 6 TIMES OR REPEATED AFTER 5-6 MONTHS. PLEASE REMOVE THIS - THIS WAS NEVER APPROVED OF ME TO GET INQUIRED. ( 2 inquiries ) XXXX XXXXXXXX Inquiry : XXXX XXXX, 2023 Bank ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, 2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32065
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-22
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: Please see attached letter which has all the dates and amounts. In a nutshell, I discovered XXXX charges that I never made. Reported them to Truist immediately. They investigated and ascertained that they were scam charges. The credited me with the smallest of the offending charges ; some $ XXXX. They have never did anything about the XXXX larger charges. About XX/XX/2023, I received XXXX letter from Truist saying that they would credit XXXX amounts inspired no doubt by my previous complaint ( XXXX ). To date no credits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30305
Submitted Via: Web
Date Sent: 2023-11-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On or about XX/XX/XXXX, I opened a business checking ( acct # XXXX ) and savings ( acct # : XXXX ) account AND a personal checking ( acct # XXXX ) and savings ( acct # XXXX ) account at XXXX XXXX XXXX XXXX, XXXX XXXX SC XXXX. On or about XX/XX/XXXX, I received multiple letters stating that my accounts were closed due to " suspected fraud. '' When I called the customer service number, I was told XXXX XXXX put an alert on the account, so they closed the accounts. I was then told to reach out to XXXX XXXX to resolve whatever issue appeared. I have received no written correspondence from XXXX XXXX. Sometime the same week, I returned to the branch where I opened the account and spoke to the banker with whom I opened the account. She looked up the history and confirmed that the account was restricted. She called into customer service and sent an email to her Regional Manager. When I followed up with her after the new year, around XX/XX/XXXX, there had been no movement on the account, and it was still closed. At that point, I asked for my deposits back ( {$750.00} in cash made via XXXX confirmation # XXXX and a check for {$520.00} ) ; since I no longer had access to the account, I couldn't make the transfer myself. I was told to return later in the week since the funds would be distributed via a check. Once I returned, there was no check, and my funds weren't returned. I returned to the exact branch location and had customer service at XXXX multiple times until I moved from the area in XXXX. I have since called customer service several more times, only for my phone call to be disconnected. Despite the supposed account closure, I have received a monthly statement every month thereafter ( up to and including XX/XX/XXXX ). I do not wish to re-open the account with Truist and want my money returned. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23666
Submitted Via: Web
Date Sent: 2023-11-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Struggling to pay mortgage
Subissue: Foreclosure
Consumer Complaint: I am an employee of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have undergone extensive vetting and no financial irregularities were found in my background. The thrust of the SunTrust allegations are XXXX pages of charges that are identified by the name of " XXXX XXXX '' with no address, no social security number, and no personal identifying information. In fact, the documents do not have an account number. Furthermore, each XXXX of the XXXX pages are marked as " XXXX XXXX of XXXX '' so this is not a running list of charges. In addition, there are no vendors listed and no vendor identifying information - only amounts and dates. In XXXX, an author named XXXX XXXX wrote a book entitled " XXXX XXXX '' which chronicled how this kind of paper is created in order to exploit consumers. The " paper '' sells for pennies. He said that in one such " XXXX XXXX '' foreclosure, the Defendent merely asked for a " sworn statement '' from the bank attesting that the charges were made by the Defendent ; and the bank immediately dropped the foreclosure. It looks like Truist sold this " bad paper '' on XX/XX/XXXX for {$2400.00}. On the other hand, I have spent a small fortune on my home and it is worth {$400000.00}. This is an illegal foreclosure that must be stopped!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 324XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: TRUIST has initiated a HSA Savings change to allow for your HSA to go into XXXX account for investing. They told me that I would not have a choice in this matter, and that XXXX would be charging a monthly fee as well. I did not want to invest my money and because XXXX can not take XXXX auto deposit I had to close my account and go with my XXXX credit union for a new HSA Savings account. I asked for my money to be transferred to my XXXX HSA SAvings and was told by a TRUIST Banker to email it, which I did. Nothing, heard nothing. Then on XX/XX/XXXX the money in my TRUIST account disappeared, no receipt, no email no help from brank office Banker! I contacted the Bank again via email and told them I was going to report the theft of my money to the police on XX/XX/. That afternoon a post was noticed that my funds were to be transferred to a new TRUSTIEE. TRUIST then charged me {$50.00} for ths transfer that their actions caused the need for it. As of this morning the HSA Savings at XXXX and at TRUIST both show XXXX! Please help me. I am a XXXX citizen with a XXXX XXXX ( XXXX XXXX ) and I had XXXX last year. I need access to my funds and had to use my credit card for my last two pharmacy visits. XXXX is my cell.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28625
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I submitted an auto payment on my account with XXXX in XXXX of 2023. XXXX, XXXX, XXXX all came out on auto pay but they did not pull XXXX. They did not notify me in any way of a late payment and then XXXX night I see a pending charge for XXXX payments. When I called they then told me that I was not on auto pay and they had never attempted the XXXX payment and could not provide me any information on the previous payments. They continued to state that I was wrong and I had been logging in, but could provide me no information. I told them that these were fraudulent to which they told me it must have been me. This company is extremely hard to deal with and very unprofessional. I understand auto-pays and my responsibility to ensure they are made regardless of set up as I work for a financial institution. However, I am confident that there is an error on their end that they are not owning up to in this instance. I am upset that they refuse to provide me any documentation or information and rather just keep telling me I am wrong. I have requested in addition to this a copy of the payment terms that they are saying I agreed to and they are saying there is no such thing that they can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 620XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I am in Bankruptcy. My bankruptcy is going through XXXX XXXX XXXX XXXX WV. Before bankruptcy I had used a debt consolidation company ( XXXX XXXX XXXX XXXX in Michigan ) to take care of my credit card debts. XXXX XXXX has been fighting me from the beginning of the debt consolidation. I went to use my checking account this morning ( XX/XX/23 ) and found out that my account had been put on a freeze ( hold ) for {$18000.00}. This therefore put me in overdrafts and can not access the money that originally was in the account. I have called and visited the bank, called the lawyer on the paperwork that was served to me this morning ( XX/XX/23 amount on paperwork is {$17000.00} ). The lawyer 's name is XXXX XXXX with XXXX XXXX XXXX XXXX. I contacted both lawyers ( theirs and mine ) and it seems no one can remove the hold on my account till lawyers meet. This will not happen for several days due to the holidays ( XXXX ). My major complaint is that they accessed my account and put it in overdraft and charged money that I do not owe. This company has not communicated with me in any way whatsoever to try to see if this debt could be resolved before locking my account! I also do not have access to money to feed my children or pay my bills to keep a roof over their heads. Can you please help us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25801
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I walked a check into the branch. ( Drawn from my home equity line of credit ). They gave me instant credit and said the remainder would be available the XXXX. Upon checking on the XXXX, I see an administrative hold placed on the funds until the XXXX. On the XXXX I checked with the institution the money was drawn from and the money was drawn on the XXXX. I went back to the branch they advised to call customer service/, she couldn't help asked for a supervisor. My question was plain once you guys get the money from the institution that the check was drawn, will the hold be released the supervisor said no. She could not explain to me why if I made a deposit by check and the check was paid why do I have to wait an additional 10 days to receive the funds. I think at the very least the hold should be released once they receive the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-20
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I started working with a Credit Repair Company XXXX XXXX who attempted to have this resolved, but they were unsuccessful. So in XXXX of XXXX I called in an attempt to pay the Charged Off account. I called many times, and sent emails, but never heard back. I am now attempting to purchase a home, and this charge off is prohibiting me. So I have again been attempting to reach the company but still can not get ahold of anyone to help assist me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83605
Submitted Via: Web
Date Sent: 2023-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A