Date Received: 2024-02-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check into my checking account with mobile app for Truist on XX/XX/XXXX. I expected that it would be held for a day or two the amount was {$6900.00}. Right after mobile deposit my account was frozen for fraud and under investigation. And no one can tell me the reason. There's not enough information. Truist only stone wall you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 313XX
Submitted Via: Web
Date Sent: 2024-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-23
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I received a call at about XXXX XXXX XXXX from a guy named XXXX claiming to be from Lightstream Bank informing me that my personal loan had been approved. It was for I think $ XXXX at a 5 % rate. XXXX had a thick XXXX accent and poor customer service skills. I didnt let XXXX know with whom he was speaking with He wouldnt divulge how applied for the loan. I have never applied for a loan through Lighstream bank. He wanted to know if I still wanted the loan. After some angry conversation about bank fraud I instructed XXXX to close the loan. He said that they needed to send me a code, and then once I received the code I needed to provide it to them. If I didnt close the loan offer then he told me I would keep getting these calls. This was a phishing expedition in my opinion. 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: IN
Zip: 46220
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Company performed a hard inquiry that I need removed immediately unless they provide proof of my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2024-02-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I called to ask for my intrest paid last year. They wanted to verify my account I provided all the information except what the final loan amount was when I took out the loan. Since I didn't know the exact amount he said that he wasn't going to give me the information. Then he hung up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened a business account with Truist XX/XX/XXXX I was not given the option for checks or overdraft protection for this account. I had an overdraft fee for an unauthorized transaction so I contacted Truist to dispute and they decline my dispute and I was charged the fee I paid but decided to limit the usage at this bank. As of XX/XX/XXXX I decided to closed my account with Truist so I called the bank and the banker said I had to pay my fees and bring account to a XXXX balance which I had no problem doing so that I can be done with them and their outrages fees and lack of communication and discrimination. There was a XXXX purchase for {$11.00} which I was charged an overdraft fee so that brought my account to a negative {$47.00} so I was ready to pay and close account then she retracted and said that I had to wait for a pending transaction of clear and she couldn't allow me to pay and close the account. She could see the pending transaction of {$6.00} instead of her just letting me pay and close account she said I had to wait. I asked her how long she said within 48 hours so I said I would give them a call on XX/XX/XXXX. I checked my account on XX/XX/XXXX at XXXX to discover that i was charged 3 over draft fees one was for a {$1.00} transaction and a service charge which now my account is negative {$99.00}. I was trying to leave Trusit in good faith and standing and I was denied from making a payment and close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29212
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XXXX XXXX my Truist bank credit card was fraudulently charged for {$1300.00} plus they are adding interest to that every month. I made a claim to the bank and it was sent to the fraud department. I also made a police report on this matter. The Truist Bank advise me that they will do an investigation on the matter and get back with me and they never do, I continue to give them a call on this and they just say we will get back with you. I also spoke with the bank associate where this fraud took place and he advise me that the person that done the fraud on my account is no longer there. Police report # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: This company has been calling me for days all of a sudden back to back. They also contacted my father and lied to him saying they were attempting to deliver something to me. According to law, they are only to contact third parties to verify or get contact information. They have this and already know they have it, as theyve been calling me relentlessly and leaving voicemails! My name is in my voicemail greeting and it is impossible for them to think it could be anyone elses number! My name is rather unusual and it is clearly stated in the voicemail greeting. Theyve violated the law by contacting my father on XX/XX/2024 and I want them penalized for it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Service Finance Company LLC XXXX Service Finance Company LLC is erroneously and negligently reporting late monthly payments and fees on my paid-off account XXXX XXXX. The account was paid in full on XX/XX/XXXX and shows a XXXX balance due as of XXXX, however, 3-months after the account was paidoff, XXXX added a charge of XXXX ( XXXX XXXX ) on my account without my knowledge. The XXXX went unpaid ( since I was unaware ) and XXXX added late fees and charges until their XXXX balance ballooned to {$56.00}! Additionally they reported late payments on my credit report and as a result of their negligence, my credit score dropped significantly causing me hardships in trying to acquire new credit lines, all over a XXXX charge applied 3-months after the account was paid off! This account was opened in XXXX and was never reported late until 3 months later of being closed. So based on these facts I demand that XXXX immediately remove the negative tradeline being reported in my credit report so that my credit score stops being negatively affected by t heir negligence. Sincerely XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32720
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I used a XXXX party Check system that uses a check XXXX process, when using this service with my bank the bank stated that the check deposited was counterfeit. The company ( XXXX ) proved that the process that is held was not only an honest process but very compliant. The initial check deposit from them was for {$50000.00} and Truist placed a hold on that check also has placed a block on all of my personal and business funds that ive deposited that pre date that check deposit. I have reached out countless times expressing the volume of damage that Truist has done by withholding my business and personal funds in where I can not cover my basic expenses. I am given deadlines and time lines are not being fulfilled alongside this I am being told hat I must await for an " XXXX '' to reach out to me in regards to my claim with no other supporting dates. I have provided a plethora of information proving that there is no fraudulent activity that is on my account and I have baked with Truist for a sum of 8 months now with no error, claim, dispute, case, or block on my account at all. Truist continues to push me off and not clarify the reason of the hold and constant block of ALL of my funds even though it has been proven that the 3rd party system and the check used was in fact not counterfeit. Truist is now stating they are investigating as whether to release MY funds that rightfully belong to me as no other parties are or have contested that these funds belong to them. I was also informed when visiting the home branch that the initial operations manager did not like me and that she also verbatim tried it in regards to not even letting obtain capital from my own account in which I have had problems with my account since by being discriminated ( I have recordings and also photo screen shots of correspondence with lead bankers of this operations manager stating to not personally like me due to m being young, XXXX XXXX, and running a business ) and also not having adequate responses on as to my funds that pre date this check are not released. Supporting information has been provided in regards to every single merchant deposit that was not cash into our account also a thorough break down of how our services work with proof of communication to all customers that we have received large payments from.
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: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX I was overdrafted {$36.00} due to a merchant error charging me {$14.00}. I immediately contacted the merchant and was refunded - I was told by the bank to switch to a new account with overdraft protection and call back when the fee was refunded to my account in order to have the overdraft fee refunded. On XX/XX/XXXX, the refund posted to my account and I visited the truist branch in XXXX XXXX XXXX XXXX. They told me that XXXX had been provided incorrect information and they could not refund me because the system said my exception from an overdraft fee in XXXX did not expire until XXXX. There is a mistake here and now that i switched checking the option to refund my overdraft is no longer available. I have not been provided a reasonable solution to this issue and plan on closing my business account, checking and line of credit if the {$36.00} fee is not refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32707
Submitted Via: Web
Date Sent: 2024-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A