Date Received: 2023-10-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I filed a complaint for fraud because someone had given me a fraudulent check which I cashed. It seemed fishy so I sent the money back and I didn't spend any of it. The bank looked into it and said I would be liable for the money no matter what. I made a claim and was denied even though I didn't do anything with the money and didn't know the check was stolen or fake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Getting the loan
Subissue:
Consumer Complaint: I received a text message with loan amounts, payment amount and term. I chose the {$5000.00}, 36 month term at $ XXXX. I went through the process to get the loan and several times it was stated to to me that the funds would be available in my account in 5 - 10 minutes. This didn't happen after I paid {$120.00} federal insurance and {$170.00} state tax on the loan. i contacted the accounting department and they said they needed my XXXX XXXX sign in name and password, I told them they weren't getting in and all conversations ended at that point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: Hello, XXXX of the credit card I am using is from TRUIST BANK, and for 3 months in a row I see a double entry for the same transaction, XXXX will be already processed, and the other is on pending. The first time it happened I contacted the bank and they called back and said that there was an error in the system. The same problem happened this month twice, and when I called, they said an upgrading. It makes unsafe to deal with the bank, when you have to review the account every day, and before doing a payment. It is also give the feeling of untrusted financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29607
Submitted Via: Web
Date Sent: 2023-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX XXXX I deposited a personnal check from my son for {$70000.00} drawn on his XXXX XXXX account. He had funds in his account from a recent sale of a previous home. Two days later, he mentioned that the funds were debited from his account. I deposited the check with Truist bank in XXXX GA, his bank being XXXX XXXX in same XXXX XXXX On XX/XX/XXXX XXXX XXXX I received an email from Truist that the total funds exceeded {$5500.00} and the balance would not be made available until XX/XX/. After several calls to Customer Service at Truist Bank during the time of XX/XX/XXXX thru XX/XX/, the only response I received was, " I'm sorry '' and " Do you want to speak to a supervisor? ". On the first call I did speak to a supervisor who gave me no answers to my questions, Why does it take so long to clear the check? and what is the process that takes 10 days, when the funds have already been debited from my son 's account at XXXX XXXX?
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: 2023-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I received an email from my bank Truist about suspicious activity on my debit card for a transaction amount of {$2100.00} from a restaurant in XXXX. I had been in XXXX at the time but did not recognize the charge and called my bank immediately to report it as fraud. Upon calling, I was told that the merchant initially tried to charge my card for {$2100.00} which was denied. Then, my card was charged a slightly lesser amount of {$1800.00} which went through. I don't understand why Truist allowed the second charge to go through when they deemed the first charge of {$2100.00} from the same merchant as suspicious. I submitted a claim for a fraudulent transaction with Truist and provided the bank with all the information as requested. My claim was, however, denied by Truist.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33137
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am writing to seek clarification and verification regarding the reported late payment associated with my TRUIST BANK account, XXXX which I have recently discovered on my credit report. I do not recall having a late payment for this account, and I kindly request your assistance in resolving this matter. I value my financial responsibilities and have maintained a strong commitment to ensuring that my accounts are managed diligently and payments are made promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XXXX XXXX i was scammed from an online loan service called XXXX XXXXXXXX there location is in XXXX and XXXX but they said they did loans all over America long story short truist bank was supposed to investigate this fraud they had me create a new account and took my entire paycheck to cover the negative balance which was suppose to be under investigation they didnt give me any notices nor emails like I asked the company to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Truist Bank is reporting a settled account inaccurately from five years ago. The account shows {$3400.00} balance when the amount was mutually settled in 2018. Truist reports the amount to XXXX as open and no XXXX balance per agreement. It is inaccurate and should be deleted per the FCRA and my scores with XXXX should be updated. The notation should be PAID AS AGREED and no further credit reporting to any agency. These items were also disputed during Covid and Truist illegally sought to collect these items after they had been paid and agreed. Call logs with XXXX & XXXX XXXX years ago were not updated during the merger.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had a Checking Account, Savings Account and Charge Card with SunTrust. They merged with another bank and became Truist Bank. From day one I had a problem with Truist online banking. I closed the Checking Account, Savings Account and Charge Card in XXXX. I received no further statements from Truist. In XX/XX/XXXX, I received a letter from Truist Bank, stating I owed them {$20.00} in late fees and Interest on purchases made to my charge card. I contacted Truist Customer Service and told them I had no charge card with Truist Bank, that they were closed in XXXX and I had not received any Invoices. I asked then to send me copy of the charge statement and to open a Dispute against the charges. They opened a Dispute, Case # XXXX. I they received another letter stating I owed then more money for Interest and Late Fees. I also received two Statements. A statement for XXXX showed one charge for {$150.00}, showing a charge made to XXXX, XXXX ( a XXXX XXXX company ) and a second statement for XXXX showed three charges for {$150.00}, showing all three charges were made to XXXX, XXXX ( a XXXX XXXX XXXX XXXX Company ). I contacted Truist Fraud Department and had them also open a second Dispute Case # XXXX. They stated that all charges were made to credit card XXXX.I told them they need to close all Credit cards associated with my closed accounts. They closed accounts for Credit cards XXXX and XXXX. They closed all credit card accounts. They further told me that the credit card was issued in XXXX. I told them I never received any Credit cards. They could not tell when or who activated the credit cards. I went to the Truist bank closes to me and spoke with XXXX XXXX, Senior Relations Banker. She contacted Truist Bank, and they told her the Disputes had been transferred to account XXXX form account XXXX, because XXXX was the main account holder. I began receiving statements from Truist Bank stating I had past due Interest fees and Late charges. I went to the local XXXX Department and spoke to a XXXX XXXX. He contacted Truist Bank Customer Service, and they told him the Dispute cases were still opened and the Disputes would be resolved within 60 days. I filed a case With the Government Identify Theft Department. This is XX/XX/XXXX, and I am still receiving statements showing the Interest and Late charges still coming and the current balance is {$400.00}, up from the initial charges of {$310.00}. As of this date they told me the two Disputes are still open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32162
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran numerous times without my permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60632
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A