Date Received: 2023-11-02
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: The Truist bank teller, XXXX XXXX, working at XXXX XXXX XXXX XXXX in XXXX, PA violated my privacy and my deceased fathers privacy by forcing me to discuss estate issues in the branch lobby instead of privately in an office. I scheduled an appointment online and clearly explained that I wanted to discuss my fathers estate during the meeting at the XXXX, PA branch for XXXX XXXX on XX/XX/XXXX. I arrived at XXXX XXXX and explained I had an appointment and the teller looked confused and I had to show him the email confirmation for my appointment. There were several people in the bank offices who had no customers, but instead of letting me meet about my fathers estate, the teller made me explain the issues right there at the counter with other customers walking in and out and able to hear the entire discussion. I was forced to share my fathers name out loud and explain out loud that his estate will probably be less than {$10000.00} which means it can be handled without opening an estate. I had to share this information out load. In the middle of the branch lobby. With customers around. The teller took my documents and made me sit in the lobby. He did not steer me to an office or give me any place to wait in private. After 20 minutes, he called me up and told me he couldnt do anything or tell me anything. I asked him what that means and if he could tell me the value. He told me he did not know what he could tell me. He said he was only telling me what someone else told him to say. I asked him if I could talk to someone who actually knows the rules to help me understand the best path ahead for my fathers estate. He told me I would need an appointment for that. I told him I had an appointment. At this point I told him it was ridiculous that he was forcing me to have this discussion in the middle of the bank lobby and that I deserved the respect of a meeting and a person who could actually answer questions and not just stare blankly and provide no answers. He acknowledged that it was a bad idea to have the discussion in the middle of the lobby. He helped me schedule a second appointment, presumably with someone who could answer questions and not just stare blankly and say I dont know. I told him to expect a complaint over the treatment to which he responded wow. I know youre going through a lot, but your behavior is inappropriate. Truist teller. Who forced me to name my father out loud and explain out loud in the middle of the bank lobby that my named fathers estate is less than {$10000.00} told me that my behavior is inappropriate. I also had a question on how to transition a rep payee account, but clearly the teller was not even minimally able to understand that issue. I had to explain the my dad was a rep payee for my uncle and therefore compromise my uncles privacy as well. Again, there were offices with no customers in the bank. None of this had to be handled in the manner that compromised privacy and the dignity of the unexpected loss of a family member.
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: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I wish to use your organizations service, seeking a formal, impartial investigation to amicably settle my dispute with Truist Bank regarding an issue I raised, without ever receiving a response to my inquiry. Please see the attached PDF file containing all relevant documents and evidence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17022
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a joined account with my husband XXXX XXXX at Truist Bank they have been holding my funds since XX/XX/XXXX due to a fraud investigation I have not heard from them or gotten any updates on their investigation I have offered documentation to proof that the funds belong to me. This has caused us extreme stress I am XXXX and XXXX XXXX due to all the stress this has caused 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: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited 4 stipend checks on XX/XX/XXXX from my school. The next day the funds were available but then a hold was placed on the checks. I received an email stating the funds would not be available until XX/XX/XXXX. I called Truist customer service to have them explain to me why the funds were available in my account but then a hold was placed after. The representative stated that the branch was the one who put the hold on the account. I explained to her that the hold was placed at XXXX XXXX. but the branch doesn't open until XXXX XXXX. so how could the branch put the hold when they weren't even open when the hold was placed? I requested a supervisor and was on hold for approximately 20 minutes before being transferred. I explained to him what was going on and he was not very nice about the situation. He told me the system automatically put the hold on the checks because they looked " suspicious ''. I asked him what they had found and what looked suspicious about the checks since it came from a large corporation that services many colleges throughout the US. He responded with " nothing so far ''. He asked if I wanted to make a complaint and I told him I would like to. I have bills that are due on the 1st so I can't wait until they " review '' the checks a week later before they release the funds. They have been very unprofessional and seems like they read from a script when a question is asked. When I orginally asked to speak to a supervisor the rep responded with " they're going to tell you the same thing I did. '' Regardless, I asked to speak to a supervisor so transfer me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32503
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: XX/XX/2023 I apply for checking account i was told no because of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/23 I discovered that there were two fraudulent checks written against our account, totaling {$15000.00} as well as three ATM transactions totaling {$2400.00}. On XX/XX/23 I went to my local branch of Truist bank and was told to file a complaint with the fraud dept, which I did the same day. I was told by the fraud dept to file a police report which was also done, and at that time my husband and I suspected that it could be our daughter. We were asked whether we were prepared to file charges and appear in court and we signed to that effect. On XX/XX/23. I discovered more ATM and check transactions not created my myself or my husband, and those were reported to the fraud department of truist. The personel stated that they would add these to the same case XXXX XXXXXXXX The sum stolen from us totaled Approx {$69000.00} over a period of 14months. The bank has declined to reimbursed any of it, not even the fraudulent checks. citing that we did not safeguard our banking information, and failed to file charges, which is incorrect. I have sheriff dept report that we have filed charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32828
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I opened an account at Truist with a {$50.00} deposit. They immediately marked it as fraud. I thought Truist closed it. However, they have been charging maintenance fees which has depleted the {$50.00} and caused {$20.00} in overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76116
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In early XXXX someone reached out to me and said that they wanted to help me join an organization that is dedicated to helping one improve themselves and help others. There was an initial start-up cost and after conversing and gaining the trust of this individual. I believed that he wanted to help me with this cost. He sent me a check book and with my youthful ignorance I did not realize the checks were in my name. I agreed to cash a check for {$4200.00} and I sent it over to a XXXX XXXX wallet. After the transfer, my account showed that the check was redacted. My account still stands at a negative balance and I have no means to pay this off. All I want is for my account to be at a XXXX balance so I can close the account because this alleged organization has the account and routing number. I have no idea what to do and this XXXX XXXX is already hard enough. I informed the bank the what happened, but they are willing to do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28411
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/2023 contacted by XXXX XXXX to get a {$5000.00} loan and approved, gave banking information, Loan Officer calls back says {$760.00} was deposited and I need to send him back the funds to make sure the account is real. Immediately informs Truist Bank of possible fraud, Truist puts a hold on {$220.00} of the {$760.00} to be released on XXXX and then a hold on the whole amount of the {$760.00} to be released on XXXX. Truist connect me to Fraud Department XXXX gave all information in return Truist started accusing me of depositing the check, I asked to see the check, they refuse. Went to local bank branch and they gave me a copy of the check. Loan Officer calls again threatening to have his company call Truist, I told him " go right ahead ''. Calls XXXX XXXX XXXX Bank XXXX XXXX XXXX to run the check & account number could not pull up account, ask why 2 different financialon the check they informed me that XXXX draws their checks off XXXX XXXX, but Main Branch, Fraud Dept, and online teammates claiming they stillk trying to determine if the check is real or not. & XXXX talk to Supervisor at Truist Headquarters informs mr the check is not real and they had closed the account, I needed to pay a return check fee of {$12.00} was deducted from my account which left my account in the negative of {$5.00}, she removed the {$36.00} over draft. XXXX return a payment of {$5.00} left {$0.00} went to local branch XXXX to pay the {$0.00} was informed Account was already {$0.00} Received overdraft statement dated XXXX stating ( total amount of items paid {$760.00} ) plus {$36.00} overdraft fee, how did Truist pay {$760.00} from a account that had hold on funds then closed for there toi be an overdraft, no money could be withdrawn from the account. Truist sends another overdraft statementof - {$740.00}. Where is these overdraft amounts coming from when it was impossible to withdraw money from the account with hold on funds then close? How would anyone know that XXXX draws their check off XXXX XXXX if they was not affiliated with a bank? Sounds strange to me. Had to change all auto pay and pay late fees, have asked them to clear my name and stop threatening to ruin my cedit. Truist is accusing me of depositing a fraudulent check. I did not deposit that check or is my signature on the back of the check. When I talked back with another Supervisor at Headquarters she confirmed what I suspected that Truist claiming they retrieved money from an account first had a hold on funds then closed and now claiming they paid the line of credit for a cash reserve in XXXX which was not due for payment of {$190.00} and change until XX/XX/2023 and the account was not in the negative because if it was the first Supervisor would not of been able to deduct part of the return check fee. Truist Breached their own Agreement when they trying to charge & billing me the whole total amount of {$750.00} the line of credit instead of the monthly payments of {$190.00} and change. The Agreement states that ALL Line Of Credit Repayments are in 4 monthly payments not due all at once and in the same month. Therefore Truist Breach Of Agreement means I do not owe them Any money, by their own doing. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40211
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: Today I received a call from someone claiming to be light stream finance. They had a legit looking form and I completed it. Then they were disputing my accts and got me XXXX on my bank acct. So they asked me to cash app them the XXXX to a XXXX XXXX and thats when I realized I was being scammed. I hung up and called my back and cancelled the disputes. Also blocked the number from my phone. XXXX ( XXXX ) XXXX Here is XXXX of the numbers they called from. The form also had the actual light stream logo so it looked real. The man called me back on a different number and threatened that if I didnt send HIS money to him on the cash app tag $ XXXX that he will call my bank and get double that amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A