Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My XXXX account was hacked and someone was attempting to scam people by selling fake XXXX XXXX tickets under my name. On XXXX XXXX, XXXX, I XXXX how to report and attempt to regain access to my XXXX account. Once I spoke to them, they gave me instructions to download an app ( XXXX XXXX ). I didn't realize it at the time, but this app allowed them access to my phone. I was instructed to go into my XXXX, XXXX, and Truist bank account and they gave me different instructions to make sure none of these other accounts had been affected by the hackers. During this time, these people instructed me to send and receive different amounts of money through these accounts. I was told no money would be taken from my accounts. Two transactions were made ( {$1400.00} and {$500.00} ) through my XXXX. Once I realized money had actually been taken from my accounts, I reported it. XXXX and XXXX have both reviewed these transactions and have cleared all charges. I immediately placed a call to Truist on XXXX XXXX and the representative put a hold on my checking account. However, 2 transactions had already cleared from my XXXX account equaling the {$2000.00}. I did not authorize these transactions. I have filed a police report for the total amount of all three transactions ( XXXX, XXXX, and Truist ). A credit card was added to my XXXX account and money was attempted to be transferred to it that I did not authorize as well and funds sent to a company via XXXX that was later proven that I did not receive any goods from. These were all done at the same time as these XXXX transactions. I also have documentation where an unauthorized device was added to my Truist account on the same day as these transactions were made. None of this was authorized. I have sent a copy of the police report, XXXX and XXXX claims that have been resolved, as well as documentation showing the unauthorized device added to my Truist account into the claims department at Truist. My last conversation with Truist was Tuesday XX/XX/XXXX in which they keep telling me it is still under review and a final decision has not been made. I was told I would be notified within 24 hrs of their final decision but I still have not heard anything and the money is still gone from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have had several bank accounts that I found out were frauded. The person who I was dating hacked my phone and was doing fraudulent activities with my bank accounts, XXXX XXXX and my credit cards. I have never had any fraudulent activities problems with my bank accounts, credit cards, etc until recently. I found out he was making transactions such as XXXX transactions to my bank account and then sending the money through my XXXX, which was also closed out. I had not given any authorization for this to be done. I also found out he was doing the same thing with my credit cards. I have my passwords and other information saved in my phone and he hacked my phone to get this information. It was not me doing the transactions. I could not figure out why my accounts keep getting closed until I decided to ask the last bank why they were closing my account. They said due to XXXX activities they were deciding to close my account. I had not done any XXXX activities so when I went in and looked at my XXXX, XXXX XXXX and credit card activities, I realized that he was doing these things with my accounts. Now I feel I'm being punished for his actions. I will admit that I may not have paid off my credit cards or bank what I owe them, but I have never done fraudulent activities. You can look at my credit history with my credit cards, bank account, etc. I'm asking that you please take this information into consideration and remove this information which has prohibited my in keeping or getting a new bank account. I now have to use pre-paid debit cards, which I have not had in a longer time. I was told by banks that I could never open up a bank account with them again, which now I understand why I was being told this. Thank you. The banks were XXXX XXXX XXXX, XXXX XXXXXXXX XXXX and Truist Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I eagerly opened a Truist checking account, taking advantage of the promotional code XXXX, which promised a {$400.00} reward for launching a new Truist XXXX Checking account and satisfying the requirement of at least XXXX qualifying Direct Deposits totaling {$1000.00} or more within the first 90 days of account activation. According to the terms and conditions, a qualifying Direct Deposit is defined as an electronic credit ( greater than {$0.00} ) of your salary, pension, Social Security, or other regular monthly income, deposited into your new checking account by your employer or an external agency. Transfers between accounts, deposits made through branches, ATMs, online transfers, mobile devices, debit/prepaid cards, or mail are not deemed eligible direct deposits. I made my first direct deposit on XX/XX/XXXX, totaling {$1000.00}, and the second one on XX/XX/XXXX, amounting to {$500.00}. This should have met the criteria, as it amounted to XXXX direct deposits totaling over {$1000.00} and were made within the XXXX window of account activation. Both deposits were processed through the XXXX network, with my employer clearly identified in the transactions. To my surprise, on XX/XX/XXXX, I noticed a {$12.00} account maintenance fee had been charged. Believing that this fee should have been waived due to the qualifying direct deposits, I reached out to Truist for clarification. However, I was informed that the fee was, indeed, the monthly maintenance charge, as I had allegedly failed to meet their direct deposit requirements. When I pointed out the direct deposits I had made, I was told that they did not qualify as direct deposits. When I inquired about the promotional offer, Truist confirmed that my account was indeed enrolled and eligible for the {$400.00} bonus, but the deposits I had submitted did not meet their criteria. While they did refund the maintenance fee as a " one-time courtesy credit, '' they did not provide any explanation as to why the XXXX direct deposits from my employer were not considered direct deposits according to their policies. In an effort to resolve this issue, I contacted my employer, who promptly submitted another direct deposit on XX/XX/XXXX, this time for {$500.00} through a different provider. However, even after this deposit was posted, Truist maintained that it did not qualify as a direct deposit. At this juncture, it became evident that I had unfortunately fallen victim to a misleading promotion that Truist had advertised on their website and social media. In light of this, I ultimately made the decision to close my Truist account, as it was apparent that the advertised promotion did not align with the actual qualifications and criteria set forth by the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was a victim of fraud last week, my wallet was stolen which had all my valuable information ( my cards and my notes with things such as my pin and passwords ) and my claim was submitted on XX/XX/XXXX and denied on the XXXX ( 2 buisness days from claim ) this was before I even sent back the documentation they requested from me ( which I had to correct because they had the wrong information on my claim ) and they forcefully closed my account without explaining to me why
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Truist closed my deposit accounts in XX/XX/2023. No specific reason was given, but that is not the issue. The issue is in the letter informing me of the closing of the accounts, it also stated that I will receive a check for the balance after 10 business days. I did not receive a check. The letter also states that if I do not receive the check, I should contact a branch. I contacted a branch in XXXX, NJ in XX/XX/2023 but I was told not to go in because I will not receive my money. I was also advised that I should wait for some kind of investigation to conclude. It has been 7 months now and I have had no correspondence from Truist regarding my money that they are holding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am writing to file a complaint against Truist Bank for the mishandling of my business account, personal account, and savings account. In XXXX, I received two wire transfers totaling {$19000.00} to my business account at Truist Bank. However, in XXXX, all my accounts were suddenly frozen due to a corporate investigation that I was initially told would only take 90 days to complete. It has now been seven months, and all my accounts remain frozen, including funds that were not related to the corporate investigation. I have made numerous attempts to resolve this issue by visiting the bank branch over 20 times, calling customer service more than 20 times, and sending multiple emails. Each time, I have been given the same response : that the freeze is due to a corporate investigation. However, I have not been provided with any further information or updates on the status of the investigation. Additionally, I was never notified by any form of correspondence from Truist Bank about the freezing of my accounts and the reasons behind it. As a result of the frozen accounts, I have had to dip into my savings to cover living expenses, and I feel misled by the bank representatives. This situation has caused significant financial hardship and stress for me and my business. I kindly request the Consumer Financial Protection Bureau to intervene and help resolve this issue. I would like the bank to provide a clear explanation for the continued freeze on my accounts, an update on the status of the corporate investigation, and a timeline for when my accounts will be unfrozen. Additionally, I would like to be compensated for the financial losses and inconvenience caused by this situation. Thank you for your attention to this matter. I look forward to a swift resolution.
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: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Is hold in my account For check deposit
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: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I noticed 2 fraudulent transactions on my online bank statement. I called the bank that day and was told the charges would be reversed. On XX/XX/XXXX the charges were still showing on my account and I called again. This time I was told that because the charges were " pending '' I could not do anything about it yet. But the money had been removed from my account on XX/XX/XXXX. They said that I had to watch the account and call back to start a claim when it was no longer " pending '' and had " posted ''. I asked what the difference is between posted and pending since the money was gone. They said none. I only used a debit card because the bank advertised it was as safe as a credit card, but now they are telling me it is less safe than a credit card. I have lost over {$3000.00} and the bank is unresponsive. What can I do?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34112
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: To Whom It May Concern, I am writing to express my profound concern regarding the assessment of my credit profile and the unprofessional behavior I have encountered from your representatives. Despite my diligent financial management and a strong credit history, it appears that my credit profile does not accurately reflect my financial responsibility. Here are the specifics of my credit situation : 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 Throughout my credit history, I have NEVER had any derogatory marks, late payments, or collection accounts. Every account has been managed positively. Furthermore, I have made multiple attempts to address my concerns with your representatives. However, I have been met with dismissive behavior, including being hung up on multiple times. I can not help but feel that this treatment is due to XXXXXXXX XXXX as I am XXXX. Such behavior is not only unprofessional but also discriminatory. In light of the above, I would like to draw your attention to the Equal Credit Opportunity Act ( ECOA ), a United States law that prohibits creditors from discriminating against any applicant based on race, color, religion, national origin, sex, marital status, age, or use of public assistance. The ECOA mandates that all applicants should be treated fairly and without bias. Given my credit history, financial standing, and the treatment I have received, I am deeply concerned about potential violations of the ECOA. Based on the principles of the ECOA, I believe I should have fair access to credit and should not be unjustly denied or provided with unfavorable terms. I request a thorough review of my credit profile in light of the ECOA 's provisions, an investigation into the behavior of your representatives, and an explanation for any discrepancies. I have always prioritized my financial responsibilities and expect my credit profile and interactions with your representatives to reflect the same. I urge you to rectify any potential violations of the ECOA, address the unprofessional behavior of your representatives, and ensure that my credit profile is a true representation of my financial history and responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I filed a dispute with Truist Credit card back in XXXX ( the only dispute on the account and only dispute I ever had with them. ) after 2 weeks of filing the dispute I contacted truist for an Update every week for 5 weeks straight. ( until 7 weeks after filing the dispute ) each time they have advised me that they have no updates and no further information to provide me and I have to patiently wait till I receive mail. after 6 weeks of the dispute I was calling them and emailing them begging them to know what is going on but nobody that cared and that can provide me any word on it. meanwhile, I do not have access to my money and never received a credit. This dispute is very straightforward and no delays needed on it. I sent to truist bank direct proof from the actual person that I paid to showing that he himself is admitting that he scammed me and that he didn't provide me with the service that I paid him for. I never received any work or services he was supposed to provide me and he himself is admitting to it and agreeing to it. I provided them with all this clear proof and a full detailed message showing them my conversations with the person. at the same time that I opened this claim with Truist I also opened one with XXXX XXXX XXXX since there was 2 charges on that credit card also tot he same individual and the same situation. I provided XXXX with the same exact proof and documents on the same day I gave it to Truist, ( back in XXXX ) and they have closed this claim and returned me my money still back in XXXX I can not simply understand that we are now 3 months later, this dispute is still not resolved, not only it isn't resolved but there is nobody to talk to and where to get any answers or any updates, nobody to acknowledge anything, the money not accessible, and simply sitting in the unknown. I filed a XXXX complaint with Them 2 weeks ago in which I received a response that it is being reviewed and a email address of a person at Truist that I can reach out for further updates. I emailed that person twice in past 2 weeks and no response. this is truly a big shame!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A