Date Received: 2023-11-17
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a credit card from Truist Bank and I was denied due to what I believe was clear discrimination against me the adverse action taken against me has cause me XXXX and XXXX XXXX I operated in good faith and was discriminated against as well as my federal protections under numerous federal laws were clealy violated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31088
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Truist Bank stop me from accessing my account. Then when I ask Truist to take the hold off my account they give me run around I go to the different Truist bank branches they say there is nothing they can do. This been going on the whole week of XX/XX/XXXX and still going on. I cant get to my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My escrow amount changed on XX/XX/2023. for my truist mortgage my mortgage amount went from XXXX to XXXX I pay on auto draft. I didnt realize the change. I made my same payments {$1500.00} on time every month and the extra monies that were due for my new escrow were pulled from my flush escrow balance until XXXX. In XX/XX/2023 I got a phone call from Truist saying that I owed a larger amount so I made a payment {$1600.00} that I understood the difference to be. In XXXX I auto paid {$1500.00} amount and in XXXX I auto paid XXXX but I got a call about the differential. I was on the phone with the bank for 1 hour and got confirmation of my new amount. It was also my understanding that I had a {$25.00} dollar offset. So I paid an additional {$25.00} in XXXX In XX/XX/2023 I made the new payment of XXXX. I got a letter from my bank saying I never paid XXXX. I called them right away because I had the cashed check. They said they didnt apply the balance to XXXX/ that they held it in credit because it was {$5.00} dollars too short. they reported me to the credit agency
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19810
Submitted Via: Web
Date Sent: 2023-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On Tuesday, XX/XX/XXXX, around noon, I deposited two cashier checks representing a substantial amount of money at the Truist Bank, XXXX branch. The teller placed a 10 day hold on my funds. However, I checked the payor bank and realized that they paid Truist on XX/XX/XXXX around XXXX XXXX Eastern time. Truist is refusing to make my money available to me in violation of Regulations CC 229.10 Next-day availability. ( v ) A cashier 's, certified, or teller 's check deposited ( A ) In an account held by a payee of the check ; ( B ) In person to an employee of the depositary bank ; and ( C ) With a special deposit slip or deposit envelope, if such slip or envelope is required by the depositary bank under paragraph ( c ) ( 3 ) of this section.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XXXX of XX/XX/2023 i received a deposit of {$140000.00} for my tax return which was deposited by XXXX, that same day my account access was restricted for no reason whatsoever, i have tried to reso this issue personally with truist but theyve been taking me back and forth i am beginning to think they do not plan to rele the funds to me, i want to use this medium to try to resolve this before taking a lawsuit against them. I have been a customer with Truist and have never had any problems whatsoever using the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27801
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: Cancelled GAP Warranty on XX/XX/2023. Cancellation confirmed with XXXX XXXX - XXXX ( XXXX ) and XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX. Cancellation request was for the following : Make : XXXX Model : XXXX VIN : XXXX Current Miles : XXXX XXXX confirmed XXXX amount of refund is {$970.00}. XXXX issued the check ( check number XXXX ) to Truist bank on XX/XX/2023. Truist bank cashed on XX/XX/2023. I have called Truist bank multiple times per week since XX/XX/2023. On XX/XX/2023 Truist informed me they could not find the check that XXXX XXXX sent them and they had no way to find it. I was instructed to wait another XXXX to XXXX business days to follow up. I called the following week and was again informed from Truist that they had no record of the check being cashed or sent by XXXX XXXX. On XX/XX/2023, I called Truist again and was told by Truist that they still could not find my money and that I need to submit a lost payment to XXXX. I sent the email with copy of the check showing the deposit by Truist bank and I sent them a copy of the confirmation of cancellation. On XX/XX/2023, I called Truist again and I was told they have found my money but can not issue me payment due to their system integration and they had no ability to issue refund checks at this time.I called Truist local branch XXXX XXXX Texas at XXXX and talked to the bank XXXX. He told me he was not able to issue me funds as they do not process refunds at there branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I went to a Truist branch located, XXXX XXXX XXXX, XXXX XXXX, FL to open a business checking account on XX/XX/2023. Account was setting and got access to online banking and receive debit card days later. But XXXX days later my online access was revoked and when I called to costumer services, I was told my account was taken down and canceled because fraudulent activity. Same day I went to the XXXX where I open the account with more IDs to fix the problem about fraud because nobody told me what this was about and the person in charge of the branch because there is no XXXX told me Back up office " close the account and aventually I will receive the refund of my deposit by check. So far, I have not received my check and this phone number XXXX opt XXXX. ( fraud activity ) do not know nothing about any check and they can not have access any longer to that account. And they want me to go again to the branch and request my money back. It's not this funny?
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: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, a washed check cleared the business account that we wrote through Truist in the amount {$14000.00} on check XXXX. We did not notice this as when we check online banking the criminal had not changed the amounts! On XX/XX/XXXX, a second washed check cleared the business account in the amount of {$12000.00} with check number XXXX. On XX/XX/XXXX our vendor made it aware to us that they had not received payments, We then went to our local Truist Bank branch found these two washed checks, and made a fraud claim. Both checks were deposited online to XXXX XXXX under two separate names and addresses. Truist fraud department is denying our credits for this fraud due to late reporting. In fact, we reported the second check just 2 days after the statement was realized but because the first check was unfound on XX/XX/XXXX they are denying credit for both checks. We use banks to protect us against theft. This was grand theft and Truist is using an arbitrary time loophole to put the bill on us! They say they are working with XXXX to recover the money but it may take up to 6 months and let 's be honest why would XXXX just be willing hand over {$27.00}, XXXX to anyone. We need your help! This is a small business and this much money makes a big deal for us! Its equivalent to a half year salary for one of my employees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 261XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I received a domestic wire from a company its was a refund for a purchase that the company that wired me back couldnt deliver, and after trust bank accredited my account they block it and hold the funds and doesnt want to give me the reason while they holding XXXX usd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33156
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-17
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XX/XX/23, I decided to get my roof repaired. I was contacted by a roofing company. I was told to fill out an application to be approved. I informed them, I had a budget and wanted to pay a certain amount. I received an email stating my interest rate was 12 % and I was approved. I decided I did not want to continue with the roof repair. I let the XXXX know. Later I received an email from Service Finance company that my payment will be due soon and they wanted to know if the work was to my satisfaction. I called them and let them know I did not get any work done. In their contract is states there must be a signed contract stating the work was done. They did not receive a signed contract. I called the contractor and they contacted Service finance. They were informed work was not done. I requested to cancel the loan. I thought was a loan approval. Service finance still has the loan open. Service finance informed me I must call the XXXX again and have them cancel the loan. I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2023-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A