Date Received: 2023-11-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I contacted XXXX on a few occasions, with the last date of contact being XX/XX/XXXX. XXXX does not have a dispute option online for inquiries, and you have to speak with a representative. Each time I asked about several inquiries on my credit report on XX/XX/XXXX, which I did not authorize. On XX/XX/XXXX, the representative informed me that she would make a note that I did not authorize the inquiry for the following companies, TRUIST DEALER SERVICES XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX, NC XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX Phone ( XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Location : XXXX XXXX XXXX XXXX, XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX Location : XXXX XXXX XXXX, XXXX XXXX, TX XXXX, Phone ( XXXX ) XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, Phone ( XXXX ) XXXX However, I must file an FTC report and contact the individual companies. I do not understand why a dispute can be filed with other credit reporting bureaus to investigate the issue, and XXXX will not investigate and remove unauthorized inquiries. I submitted a XXXX XXXX. Nonetheless, XXXX needs to do more than note the unauthorized inquiry and have it removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08046
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-07
Issue: Getting a loan or lease
Subissue: Loan opened without my consent or knowledge
Consumer Complaint: Delete all hard inquiries
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I made a payment on my credit card on XX/XX/ of {$2200.00}. The disclaimer says the following " transactions submitted before XXXXXXXX XXXX ET with today 's date will be processed and credited to your account immediately and can not be edited or cancelled. '' It is now XX/XX/ and they have only released half of my payment in the amount of {$1100.00}. This has caused an immense amount of distress. I have rent and other bills that were due yesterday and I was unable to pay them because Truist placed a hold on my funds. I asked them why and they said it was because they can. The money is no longer in my checking account but it's not on my Truist card either. Something similar happened last month but they released it in about 2 days still delayed but not like this month. The delay last month caused my statement balance to exceed my credit limit and has impacted my credit rating. This is not fair and should be reversed. It is also not fair that I have to now suffer the consequences of late payments and the distress I have been experiencing due to these unfair practices. When I called Truist to ask why they simply told me because they can, which isn't a reason. If they have the money why is it not available for me to spend? That has never happened with any other credit card I have. They also said I could escalate the issue but that would still take 1-2 business days. I am filing this complaint in hopes of a fair recourse and prevention of anyone else having to deal with this level of stress.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21117
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I've never been late or missing any payment, but just one that I was advised by the Escalation department " To be FIXED the Problem '' the situation started first monthly payment ( XX/XX/2023 ) t after realized was taken more than 15.44 % established on the contract ( Way more ) to the interest, even, when i was paying {$200.00} 0ver the monthly payment set by Regional Acceptance Corp. these days Truist Bank related. I do have emails, Documents and last statement two weeks ago, bank statements and they have every single call recorded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am compelled to request the intervention of the Consumer Financial Protection Bureau regarding the unsanctioned closure of my savings account by Truist without proper notice, and the subsequent mismanagement of my funds. I strongly allege that Truist actions violated federal banking laws such as the Electronic Funds Transfer Act ( EFTA ) and Regulation E, as well Regulation DD ( Truth in Savings Act ) and other relevant North Carolina state banking regulations. Prior to the incident in question, I had two accounts with Truist bank saving and checking and was a customer in good standing. In XXXX or so I transferred funds from savings account to another outside bank account and accidentally went over the balance by minor amount of about {$30.00}. I did not receive any notices from the bank about this issue, no notice whatsoever, - I regularly visited to the bank branch and checked my email and mailbox regularly. At the time I had about {$2000.00} in checking account with Truist, which was linked to that savings account. So, this issue could have been easily resolved if I was notified by transferring {$30.00} into that savings account. However, Truist ignored proper protocols, did not notify me, closed the account, and charged it off and then mailed me the letter requiring settlement of this account. Upon discovering the closure, on XX/XX/2023 I visited the local branch and spoke with the branch manager, who assured me that the situation would be rectified by deducting the necessary amount from my current account to reinstate the balance in the closed account. He proceeded with this action, and I have concrete proof of this transaction taking place, which was supposed to resolve the issue. However, when on XX/XX/2023 I called the bank 's settlement department in XXXX to ensure that the matter properly resolved, and speaking with a representative named XXXX XXXX? ), this transaction bank manager performed was nowhere to be found in Truist system my money seemed to have been lost and I was told I still owe the money. This call ended abruptly as I was placed on hold and then disconnected, without the possibility of resolving the disappearance of the funds. Again, after the local branch assured me of a resolution via a fund transfer, which has been documented, the settlement department failed to locate this transaction, leading to the loss of my money within their system. This compelled me to send a non-Truist bank check to Truist XXXX office, which was both inconvenient and unnecessary. Due to this egregious error and the lack of assistance from the settlement department, I was compelled to mail that ADDITIONAL bank check to rectify the situation, incurring additional time and expense. The failure of Truist to handle my funds appropriately and the breakdown in communication within its departments is alarming and unacceptable. As a result, I request the CFPB 's intervention to investigate these irregularities, locate my funds, and apply the necessary corrective measures to prevent such errors in the future. Furthermore, considering these serious lapses by Truist, I will seek treble damages for the financial and personal distress caused. The incompetence displayed by Truist in this case has not only resulted in immediate financial loss but also exposes me to potential future financial harm due to their mismanagement. Therefore, I will heldTruist liable for any future losses that may arise from this situation, in addition to the immediate rectification and treble damages for the distress and disruption already caused. I also request that this complaint be escalated to other regulatory bodies, including North Carolina bank regulators, FDIC and Federal Reserve to ensure thorough scrutiny and accountability of Truist practices and failure of its operational risk management. Enclosed are all relevant proofs and documents for your perusal. I urge for a prompt and stern action to safeguard consumer rights and prevent future such occurrences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 I went to a car dealership XXXX, la to purchase a vehicle, I was unaware that after me being declined by the XXXX XXXX, This dealership would continue to shop my credit information around to other lenders without my knowledge and after I had left their place of business. The result of the auto dealer practices has caused unnecessary burden on my personal and business finances, I walked into the dealership with a XXXX credit XXXX XXXX and discovered a week later my XXXX XXXX had dropped to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2024-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Truist Bank closed without my consent XXXX accounts opened claiming fraudulent activity. Bank has no basis to close accounts for fraud. Bank opened XXXX XXXX XXXX in State of Wyoming which I later learned they are not Incorporated to do business and later changed address to unknown address in the State of Kentucky. Branch Manager changed the address on XX/XX/2023, then communicated accounts were flagged for fraud. Branch manager informed me they received communications from XXXX and made determination of information provided which was inaccurate. On XXXX XXXXXXXX XXXX XXXXXXXX accounts were closed without any specific details of the fraud activity. A letter dated XXXX XXXX was received on XXXX XXXX by Truist Bank XXXX the accounts were being closed and they received information from a XXXX party consumer reporting agency that possible lead them to closing the accounts. At any time have I provided XXXX XXXX XXXX XXXX XXXX consent to share my personal information. I contacted XXXX XXXX Services on XXXX to request a copy of my consumer report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21239
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Truist is refusing to close my account and let me withdraw my funds from my checking and savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-05
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: During the national XXXX XXXX, I struggled to make payments to the creditor. I was not able to work and had to file unemployment ( for the first time in my life ). I did fall behind on payments but did catch up on all late payments and have been making on-time payments since that time. I contacted the lender regarding this situation during and after the pandemic, and they indicated that there was nothing they could do. I was working with a corporation at the time that closed all of their XXXX offices nationally during the pandemic.
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: 2023-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I demanded a refund from XXXX for a washer & dryer I ordered online from them. The company they had supposedly delivering my products, were lying to XXXX telling them that I was not home ( I work from home ) and then told them they DID deliver it. XXXX did nothing except mark my order as " delivered '' - can you believe that? They made it look like they stole {$2500.00} from me. I demanded a refund and was ignored for weeks. I report this to Truist since I used my debit card and disputed the charge. The last response I received from truist was a piece of mail at the beginning of XXXX saying I have a high chance of getting my money back. Since then, they have not given me my money, XXXX tried to refund me, I sent that information to Truist, and nothing. No response, no nothing. I want the CEO of Trust and the CEO of XXXX both arrested for stealing my money. It doesn't matter what their intentions are, I don't have my money and one of them do. Both of them are negligent to the point of thievery. I guarantee Truist has my money and is just borrowing it for free. They need to be held accountable and responsible for this type of underhandedness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A