Date Received: 2023-11-16
Issue: Getting the loan
Subissue:
Consumer Complaint: I am letting know that fraud has been perpetuated on me. XXXX XXXX XXXX has the loan of {$55000.00} on my name from XXXX XXXX XXXX ( account # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX without my knowledge and using my personal information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been calling calling continuously for the solar panel installations and promised many false things. - The agent came to our house in my absence met my husband and took all my personal information and promised - that the electricity bill will be reduced to {$180.00} per month from my current bill of {$420.00} per month, and we will get 30 % cash back when we file tax returns and loan is transferrable if we sell the house. The agent collected my personal information from my husband and got the loan approved. The edoc was sent to my husband 's email and was forwarded to the agent and he got everything done and very next day they got the solar panels installed partially and got the loan released to their company. When I called the city of XXXX ( provider of the electricity ) I was told they don't support the solar program and bill will not come down even with the solar panels. When I tried to contact XXXX XXXX- they never answered the phone The bank is after me for the loan payments. I have not signed any loan documents. Both the Finance company and XXXX XXXX and working together
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34748
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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: On XX/XX/XXXX I received and alert at XXXXXXXX XXXX via Truist text messaging to alert me out of sleep that my card was trying to be used for XXXX separate purchases of {$200.00} with merchant name XXXX. These charges were denied and I immediately went to retrieve my card to call truist and report the incident but realized that my card was gone. I called truist to report it lost and was issued a new credit card. I was not alerted by the representative to any other charges nor was i alerted via text. I have set alerts on my card to let me know when or if these things happen. Around 10 days after the incident I noticed that my credit score had drastically dropped. Checking my score alerted me to the XXXX large in store purchases made from XXXX XXXX XXXX XXXX # XXXX. XXXX for {$160.00} and the second for {$640.00} made on XX/XX/XXXX and posted on XX/XX/XXXX. I reported this immediately and filed a claim. On XX/XX/XXXX I received a letter from Truist stating that the case had been closed for the first XXXX transactions due to never posting to the account. The next day I receive a letter about the charges from XXXX stating that the disputed transactions below ... for {$160.00} and {$640.00} as well as any accused finance charges and/or fees if applicable, will be removed from your credit card balance. It states that I am to still pay my min balance. It states if our investigation does not confirm your dispute you will receive notification that charges will be placed back on your credit card. Truist never removed these charges so I called and spoke to a representative and she said that it is still under investigation and can take up to 90 days to resolve and that I would receive an email. She could not tell me why the charges were not removed while investigation as the latter states and said she would escalate it further. I waited till XX/XX/XXXX well past the 90 day mark to check status of my claim and was told the same information that it was still under investigation and that she will escalate it further and I should receive a phone call from truist in XXXX business days ... this did not happen so I called back XX/XX/XXXX and spoke to a representative and let her know I was unhappy about waiting past the 90 days with no other information about the case and that the letter that was sent was never honored. I told he I have been very patient and that I am paying a higher interest rate because these purchases are still on my account and that my credit score had dropped and I'd like to get that taken care of. I requested the removal of the charges again while the further investigate and she connected me to someone else and they told me they would file a complaint for me and to call back in 7 days to check on the status. I believe I am getting the run around by Trusit and I decided to file a complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25177
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: Back on XXXX XXXX XXXX XXXX I went in to purchase a car from XXXX XXXX XXXX. This was my first time purchasing a car from a dealership so I didn't fully understand all of my rights as a consumer. l entered into this contract agreement with XXXX XXXX XXXX without first having full disclosure of my right to rescind and secondly without the transparency regarding the process of my consumer credit acting as the financial asset ( 12 CFR 360.6 ( 2 ) ) as well as the self liquidating paper ( 17 CFR 260.11b-6 ) ). I have very much reason to believe that XXXX XXXX XXXX took advantage of me and my consumer credit. I also was under the impression that in order to drive off the lot it was necessary that I put a down payment of {$1500.00} in order to take possesion of my XXXX XXXX XXXX This was false and deceptive information and was a ( violation of 1692e ). Pursuant to ( 15 USC 1605 ) a finance charge is sum of all charges. Furthermore after closing the deal I was then told that I had some changes to my lease agreement and that my monthly payments and interest rates would be less, which I thought was great news. But I was pressured into signing a new lease agreement asap and the only time I could do so before their deadline was while I was at work. They proceeded to send someone to my job and have me sign while I was in the clock. With me being a manager I could not leave the floor for long as I am responsible for the store and was understaffed that day. This event took place on XX/XX/XXXX. I felt extremely pressured to sign this new contract and was not able to read the new terms thoroughly. I also never received a copy of the new contract so my only reference is the original contract I signed at the dealership. Lastly I had to do a welcome call with the lender XXXX XXXX and we kept missing each others calls, one of the agents at the dealership began to get impatient, hostile, and a bit rude with me because I hadnt done the welcome call yet. He evened threatened that they would have to take the car back that day ( XX/XX/XXXX ) if I didnt do it, which at this point I had already gotten off the phone with regional acceptance and completed the call so I found that extremely disrespectful. On XXXX XXXX I reached out to the same agent and let him know that the cars check engine light came on and I never got a response, which again I felt very disrespected and pushed to the side. I have sent a letter of rescission to the dealership on XXXX XXXX XXXX and I am now waiting for a response. I am extremely disappointed about the violations this company has pulled on me and I would never want anyone to go through the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85210
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX XXXX XXXX I received a letter indicating that Truist was closing my accounts per their decision, with no reason given. They indicated that a check for my funds would be mailed to my address after 10 business days. After a month the bank did not returned my funds, and a followup the the bank provided XXXX information on my balances or refund status. Additionally, the bank did not allow me online access to see that balance in my account balances are accurate and current. I filed a CFPB complaint on XX/XX/XXXX ( Case XXXX ) that requested the bank provide the following : 1 ) Current balances of all funds across all accounts being held by the bank 2 ) Statements from the previous month to ensure that no authorized transactions have taken place 3 ) All funds returned to me via check, as indicated in the original letter ; absent that, an accurate, and reasonable date of when they will be sent. Please note, banks are not allowed to withhold balance information from their clients. Truist responded to this by re-sending me the original closure letter stating the account was under review on XX/XX/XXXX. In the months to follow I periodically called their customer service line, however no additional information was provided. It has now been 9 months since the accounts were closed and 7 months since Truist 's response. No further information nor access to my accounts or account balances or statements has been given. I have spoken to legal counsel who informed me that Truist has been in violation of numerous federal regulations in the handling of this - from not providing me account information, to incorrect handling of ACH returns, to their communications not meeting regulator requirements. He recommended I take legal action, however I do not wish to go down that road. I simply want my money in my account returned to me immediately. This serves for all 6 checking accounts closed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 142XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I had a checking account with Suntrust used for automatic mortgage payments. I kept a fairly low account balance in the account ( less than {$10000.00} ), and never had a maintenance fee for the checking account. After my Suntrust account was taken over by Truist, my account was converted to a dimension checking account product. A monthly maintenance fee of {$20.00} was charged from XX/XX/XXXX until ( and including ) XX/XX/XXXX. The local branch manager in XXXX XXXX SC was able to provide a {$40.00} service charge refund in XXXX of XXXX. I am requesting a refund of the remaining {$160.00}. It is unacceptable to take a Suntrust account that had less than {$10000.00} balance with a history of less than {$3000.00} in monthly qualifying deposits and convert it to a Truist XXXX checking account. I am in the process of closing my Truist account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92128
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 an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I signed up for a checking on XX/XX/23 using the promo XXXX because they had a bonus of {$400.00} for depositing {$1500.00} with them. I made a deposit of {$1500.00} exactly on XX/XX/23, as well as several other smaller deposits on other days totaling more than {$1500.00}. It's been over 6 months and I still can not get anyone to help me one bit. I first reached out to a Truist representative online via live chat however they were unable to help and gave me a phone number to call. I called the phone number on XX/XX/23 and the lady I spoke to was even more unhelpful than the first one I spoke to. I completed all the requirements of this promotion and it seems like there is not a single person who is able to help me get to the bottom of it. Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40245
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: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I received an email saying that I have some hard inquiries that I don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
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: Communication tactics
Subissue: Called before 8am or after 9pm
Consumer Complaint: In XXXX, Truist Banks Inc began to repeatedly call me at XXXX XXXX in regards to debt that I do not owe. I informed my lawyer XXXX XXXX who submitted a cease and desist on my behalf as of XX/XX/14 the calls have began again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77044
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Truist savings account owner ( customer ) is an XXXX XXXX with XXXX and XXXX XXXX and requires immediate access to her savings account monies to pay for her care and ongoing living expenses. Truist customer, with assistance from her son, successfully completed the process of linking to an external account using Truist 's online transfer portal on XX/XX/2023. On XX/XX/2023 customer initiated an online transfer from her Truist savings account to the external account in the amount of {$4500.00}, the total balance of the savings account. Truist issues an email to the savings account customer on XX/XX/2023 stating that the transfer has been scheduled, and includes the following statement in the email, " If there is a problem with executing your request, we will notify you by email. '' On XX/XX/2023 customer closed Truist savings account assuming since the external account was linked successfully on XX/XX/2023, and that Truist had not issued an email making her aware that the online transfer failed to execute, that it was safe to close the Truist savings account. On XX/XX/2023 the Truist savings account monies were still not deposited into the external account, so the customer called Truist to inquire on the problem. On the XX/XX/2023 call with Truist, the customer was made aware that on XX/XX/2023 the online transfer from Truist to the external account failed, and that the customer 's savings account monies were not " available. '' Referencing back to the XX/XX/2023 email from Truist, the customer was not made aware of the failed transfer until this call. Since the phone call to Truist by the customer on XX/XX/2023, with assistance from her son, the customer has made phone calls to Truist on XX/XX/2023, XX/XX/2023, XX/XX/2023, and XX/XX/2023 trying to resolve the matter with Truist, demanding payment of her lost savings account monies. Each phone call lasted a minimum of XXXX hour, with most lasting substantially longer than XXXX hour. Almost each phone call Truist has provided false promises to provide customer with her lost savings account monies but continues to allude the customer 's demand for payment. Truist has gone as far as stating to the customer on the phone calls that she would receive her money back, and that Truist would reinstate the closed account and re-do the transfer to the external account, or issue the customer a check, but has failed to follow through on any of their own proposed resolutions. Truist has lost the savings account monies of {$4500.00} due the customer during the transfer process available to its customers through its online banking platform and is failing to accept responsibility. Truist is acting in bad faith and withholding monies rightfully due the customer instead of accepting the responsibility for the loss of customer 's savings account. Truist has an obligation to timely return a customers savings account monies when the customer makes the demand, and Truist is to provide customers of the bank with a safe, secure, and trustworthy banking environment, both of which Truist has failed to do in this matter. The customer is demanding Truist pay her the balance of her savings account of {$4500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I am writing to further address and elaborate on the concerns previously outlined regarding the Retail Installment Contract for my XXXX XXXX XXXXXXXX, purchased on XX/XX/2017. My review of the contract and the corresponding SEC Form 10-K filings of your company has revealed additional discrepancies that necessitate clarification. To reiterate, the initial agreement, as per the Retail Installment Contract, was between myself ( as the buyer and co-buyer ) and XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( the seller-creditor ). However, my post-purchase interactions have been solely with Regional Acceptance Corporation. This shift in dealing parties suggests a lack of transparency in the transaction. As a bona fide purchaser, I was under the impression of obtaining a vehicle loan, yet it appears the seller-creditor received payment through my security ( the retail installment contract ) and subsequently transferred their liability to me, benefitting all parties except myself. Furthermore, Section 2c of the contract states that all costs associated with the vehicle, including insurance, maintenance, and service, would be covered by this security. Contrary to this provision, I have personally borne these costs. This section also asserts that the security would cover all contract-related costs, yet I have been making these payments independently. Additionally, I have concerns regarding Section 3f, which outlines repossession procedures. It specifies that I would receive written notice prior to repossession, which did not occur. Moreover, the contract includes an arbitration agreement, yet no arbitration was undertaken prior to the vehicle 's repossession. Beyond these issues, upon examining the details pertaining to Regional Acceptance Corporation, an affiliate of Truist Bank, I noted an overlooked aspect. The original purchaser is ostensibly entitled to receive payment each time the security or contract is sold. I have not received any monetary compensation from the transfer of my security, which raises questions about the compliance with this clause. Lastly, I propose a resolution to give value to the original contract by endorsing it as " pay to the order of Regional Acceptance Corporation '' by myself, the purchaser. This action is intended to fulfill my end of the contract and effectively clear the liability balance from the contract. Your prompt and thorough attention to these matters is highly anticipated. Clarification and resolution of these discrepancies are crucial to maintaining the integrity and fairness of our agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A