Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was on a payment plan for back taxes with the IRS. I set up the payment plan to be drafted from my Truist account starting in XX/XX/2021. In XXXX of XXXX I received a letter from the IRS that I was in default bc no payments had been received. I have records showing the amount was withdrawn from my account but the IRS says they never received it. I asked Truist to provide proof of where they were sending the payment deducting my account and their external routing did not match anything the IRS had on file. Truist also continued sending out the payment despite the fact there was no external request prompting it as of XX/XX/2021. The IRS had closed down that payment request for what was showing as default on their end. In total, Truist sent almost {$7000.00} out of my account but neither party can account for where it went.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76092
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I open a checking account with trust bank on XX/XX/2023 I deposited my tax return check in the amount of {$25000.00} had no issues at first I was able to take some of my money out of the account until the check cleared which was on XX/XX/2023 the day it clear I tried to send money for a car purchase link with my checking account to my cash app account a they closed my account said it was flagged for fraud but I wasn't I told them it was me that tired to send the money in my account I have overXXXX left that they won't return to me they keep saying it's under review it's been over two months I even sent them a copy of my tax transcript and I still haven't heard anything from them
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 I was at the XXXX XXXX Truist Bank and used their ATM to withdraw {$180.00}. The ATM never dispensed my funds but the money was completed on my banks end. I am stuck in the XXXX airport for the XXXX day as I needed these funds to travel. I went to the branch manager who was extremely dismissive. I need these funds released back to my account so I can go home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2023 I was contacted by phone by a male impersonating as a deputy sheriff. I was told that a warrant for my arrest was issued by a local federal court due to a failure to appear at a federal criminal trial. I was told that I could avoid arrest by transferring {$3000.00} to the court via XXXX. As directed, I transferred {$3000.00} via XXXX to the account and information provided by the scammer. On the same day, I contacted my bank, Truist, to try to get the transfer cancelled which was unsuccessful. I also filed a police report with the XXXX XXXX Florida XXXX. On XX/XX/2023 I submitted a fraud/scam claim with Truist. Truist denied by claim. I tried to find a way to file a claim with XXXX by was directed by the XXXX website to contact my personal bank. Truist already has the necessary documentation of the incident and claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32311
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have TRUIST debit card that was fraudulently used by several companies. Bank refuses to return the money. They say they will investigate but they have not even called me to ask any questions. I filed the complain in one of the bank branches and I have been back several times. I was out of country on a cruise XXXX so I could not have charged anything in those days. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have an installment loan from SHEFFIELD, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SHEFFIELD and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SHEFFIELD with no successful resolution. XXXX, XXXX, and XXXX reporting me 30 days late in XX/XX/2023. There was an error on their part. I was never 30 days late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I had my identity stolen and the thief was able to use my identity to open two credit cards, a checking account, and a savings account with a Truist Bank Branch in XXXX. I reported this to the company and found on my credit report that a credit card had been fraudulently used to charge {$8600.00} to the card. The bank sent me a letter after a few weeks dated XX/XX/2023 but not actually delivered until XX/XX/2023 XXXX weeks later. The letter said I had a case open XXXX and I had 30 days to respond with all documentation needed. I worked until midnight and the next day XX/XX/2023 sent all the documents along with the completed affidavit to Truist bank using the envelope that was enclosed by the XXXX XXXX XXXX XXXX. I just received another letter today XX/XX/2023 that is dated XX/XX/XXXX that says, " We have closed our investigation into your identity theft claim as Unconfirmed/Denied because we did not hear from you or receive the documentation we needed to complete our investigation within 30 days. '' The letter also states that the past-due accounts will remain in active collection status. I have contacted this bank over XXXX different times, I have a call log and notes from the calls. I sent the required documentation the very first day possible with all required documentation and I am still being held liable for identity fraud that this company did not do it's due diligence to prevent nor resolve. I am attaching a scan with the letters and documentation that was sent to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85206
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There was a fraudulent transaction made on my debit card in the amount of XXXX through XXXX XXXX. It was made on XX/XX/2023. I checked my bank account that morning and found it. I immediately called my bank and reported it. They denied my fraud claim and said they were able to refund me any of the money because I have submitted too many fraud claims in the past.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15132
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: XX/XX/2023 - Good day, I just found out that Truist/a.k.a Suntrust Mortgage Company has placed my 2nd mortgage that they are servicing on foreclosure. I tried to call them twice today, to find out how to bring the account current and if they could provide me with the payment to be made to reinstate the account, as well as providing a payoff quote. The first representative I spoke to informed me that they could not give me the amount to pay to bring the loan current, and to call their attorney who will have to add their fees and let me know how much to pay them. I expected my mortgage company to have that information and not run me around to get the amount to reinstate my account or pay it off if I choose to do so. This bank has proven difficult to work with from the start, when I tried to modify this loan with them. I submitted an application long ago, which they lost and wanted me to submit another one. I have family members going through terminal illnesses that I have been dealing with, and just couldn't deal with them running me around. I had to borrow money to try to reinstate this account, and they are still doing the same thing. I even asked them to provide a pay off quote as well, which they could not do. The second representative I spoke to, gave me a figure which does not correspond with the figure I saw on this lender 's current loan statement for this month, which they had sent to me. She then told me to contact their attorney, after giving me the quote, which tells me that what she quoted is not right. My first mortgage is current, and when I called them, they told me they are not aware that this lender is trying to foreclose on my property. I feel frustrated in trying to deal with them and assume this as part of their tactics that they use to take people 's properties from them. I would really appreciate your assistance in this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In cfpb complaint XXXX I reported making timely payments on my Truist mortgage. They answered the complaint by saying my timely payments were applied to principal, and they were going to leave derogatory reporting against my credit. Please review this illegal practice. My online account where these payments were made were set up and established in their branch by their own assistant manager. She even made the XXXX payment for me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A