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: There has been 2 fraudulent transactions on my credit card in the amount of {$2400.00} and {$24000.00} 1st Fraud Dispute was filed on XX/XX/2023, Truist Fraud Department cancelled the card on XX/XX/23 and sent me a replacement, but no fraud claim was filed untill I called back on XX/XX/2023. A fraud case # XXXX. 2nd Fraud Dispute was filed on XX/XX/2023 and was reported to Truist on XX/XX/2023. A fraud case # XXXX was issued. This fraud claim was for {$24000.00}. Truist Fraud Deparment was called multiple times since XX/XX/2023. As of today 's phone call with XXXX XXXX and XXXX XXXX from Fraud Dept. the issue remains unresolved. Unfortunately Truist keeps giving same excuse all the time, we are still investigating. Truist also started reporting this balance to credit agencies ( XXXX, XXXX and XXXX ). I have sent several emails to disputes at XXXX, a part of my several phone calls to XXXX. There is no resolution being provided by Truist. I also sent an USPS Certified Letter on XX/XX/2023, with Tracking # XXXX ( I am also attaching the letter to this complaint ), still there is no response from Truist. Last correspondence in writing was on XX/XX/2023 in an email. I also called Truist today ( XX/XX/23 ) to find out the status, I was informed by XXXX XXXX and XXXX XXXX, Supervisor, Fraud Dept, the cases are being investigated and there is no timeframe for the investigation to be completed and that my account will not be credited untill the investigation is complete. I NEED HELP, THE AMOUNTS IN FRAUD DISPUTE total to {$26000.00} which is a lot of money to me and my family. Truist has not resolved the fraud complaints and is holding me responsible since XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
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 caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX i checked my onlline banking with Truist. It was overdrawn {$320.00}. They had charged me for 6 overdraft fees for purchases i had made on XX/XX/XXXX. On XXXX i had balance of {$130.00} on XX/XX/XXXX i made 4 purchases ( XXXX ) {$45.00} ( XXXX ) {$20.00} ( XXXX ) {$27.00} ( XXXX ) {$17.00} this left me a balance of {$22.00} .On XXXX i made 1 purchase of {$22.00} my balance was {$0.00}. I went to XXXX XXXX and overdrew my account {$140.00} expecting a {$36.00} dollar overdraft fee. When i checked my account on XXXX XXXX truist had charged me over draft fees on all the purchases i have just mentioned. Even though the money was there to cover every purchase except the purchase at XXXX. Which i take full responsibilty for and was expecting. Truist wants to tell me it was because the transactions were pending even though the money was taken out when i made the purchases i am being charged for. They tell me Sorry nothing we can do. So i am paying {$180.00} in fees that the money was there to cover. They blamed it on the business that i made purchases from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 363XX
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Credit Report is showing an hard inquiry for XXXX XXXXXXXX XXXX on XX/XX/2023 that I didnt do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30033
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I asked for verification and they did send a print out of the account but the dates reported on my credit report and on the account review were inaccurate. I have disputed this account numerous times for inaccuracies. The FCRA states that the credit reporting agency and the creditor has the burden of proof ; and that by law they must report accurately. I have given both the creditor and reporting agencies ample time to fix the inaccuracies and have been given the run around and ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: OK this is It complete to be filed against evolve bank and trust. They are the backing of the XXXX pro card that I use driving for XXXX. I initially started using this card as a depository for XXXX and all of my fares. XXXX would just download the deposits I made To this card For easier access for disbursement TO my actual bank or whatever. Ive only been using this card for XXXX weeks. I already have XXXX significant problems with this bank card. The bank card function is backed by evolve, but who I deal with on a consistent basis is XXXX XXXX. I rent a car from XXXX XXXX to be able to conduct pickups and deliveries of People XXXX XXXX. XXXX XXXX policy with XXXX is we deposit the week before money, they put a hold on it and we can use the vehicle for week. When theyre done with that week they process The hold on that money. Then I deposit payment for the week coming up, they put a hold on it, and process it at the end of that period. And the process is continued for the next week. They write another basic contract for that week they put a pending hold on that money the next week the same thing over and over and over again. There has never been any problem with this arrangement until last week I deposited {$320.00} into my account. Before XXXX Was able to process my card for that week at XXXX in the morning branch had already put a pending hold on those monies. so when XXXX went to run my card, it was declined. And it has been a nightmare ever since. I will try to put this in categorically correct order so it's more understandable. When I was sitting at the desk with XXXX wondering where my payment was I had the information showing that the payment had been made to the bank. When I called the bank I was told that he was just the first contact of my account and then he could not do anything with any pinning holds. And so I asked him why they even put a hold on it avis was the one who was supposed to put a hold on that money. And he said the policies had changed and was unwilling to go into what that change was. What he did say was the fact that he had no ability to contact the supervisor except to put in a ticket. XXXX try to process my card at XXXX : XXXX. And that he could not speak to anybody about this transaction except for me. So then when I called them back XXXX minutes later trying to get some kind of resolution so I could actually continue to rent my car so I could actually work. I was told that everybody was in a lunch meeting and that he couldn't contact any supervisor on the floor again. But you would definitely put in the ticket and they would call me immediately. To date : Ive talked to them on XXXX different occasions, supposedly they have put in several tickets. And the day is the XXXX of XXXX this is a week laterAnd literally almost XXXX minutes waiting on hold for these people and Ive still yet to receive a phone call. Yet they are still holding the money from XXXX. Now I was told by the first individual The date had a policy change, he could not tell me what it was but they had the right to hold those funds for 30 days. Until the First off you didnt have a right to hold them in the first place. Much less 30 days. Nobody asked you to put anything on there you did it on your own accord Involving nobody else except for you. Fast forward to today. This is hours Ive spent on this, missed XXXX days of work, and still do not have a resolution while the contract has been ended avis is ready to write another contract. Thats what they said would end of this debacle and start a new probably debacle. But even though XXXX ended the contract today where did you write a new one This pending status has still have not been resolved. This is causing severe problems with my Job, with XXXX, with their payment, with my ability to continue to rent vehicle from them so I can work. And I need this situation resolved. My second problem with this institution is every deposit that is made from XXXX, is short at least XXXX cents {$0.00} sometimes even a dollar or XXXX. I have not been able to find the percentage that they are holding back, but every time a deposit is made which is several a day, if it is not marked as trip, a discrepancy in the exact amount has happed now if it is marked trip, it is the exact amount that XXXX sent to them. Ive referenced exactly what that amount is, anytime period. Now if it's marked as miscellaneous it could be up to an hour later that it's actually posted. And its always short. I have spoken to both institutions about this, and up to this point any transactions Ive ever done with XXXX has always been spot on. As soon as I enact this card that is supposed to be free transfers, I started having money missing. I even have Chat documentation from the bank stating that it is a significant amount. But they still dont know where its going. To date it is over {$100.00} for XXXX weeks worth of use Of their card. Obviously I would like to state that I feel as if my money is being held XXXX, and at this point even stolen from me. Im absolutely appalled at the fact that a financial institution can act this way. And I dont think Im special. I do believe that this is happening to other people as well under the XXXX umbrella. Let me make myself clear, I do not believ that this is an uber problem I believe that this is a branch problem. And the fact that branch thinks that they can make these policy changes, and not send out any documentation or even bothered to the fact that the policies have been changed it's amazing to me. It Is not their money that these policies affect it is my money and the people I choose to do business with. They were not hired to control my money, they were hired to do what I said to do with it it's long as it is ethical reasonable and with the confines of business legitimacy. And if such changes are made, I believe it is mandatory for you tell me that these have been changed. So I could decide prior to this happening whether or not I want to continue doing this for the business with this institution. It can not be arbitrary ; Oh well we could go we decided that we cant release any funds and you cant talk to a supervisor at XXXX XXXX XXXX leaving me The company I'm doing business with, unable to fix anything that is policy changes are affecting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a Truist checking account and was promised I would receive a sign-up bonus of {$400.00} if I completed their terms and requirements for the bonus. Their terms were : opening the specified checking account ( which I did ), then make sure that XXXX ( XXXX ) direct deposits ( from employer, benefits, etc. ) of at least {$500.00} are deposited into the account within 90 days of opening the account. I opened my account on XX/XX/2023. I had XXXX direct deposits that were deposited into the account from my employer. The were both for over {$500.00}. These are the exact dates and amounts of the XXXX deposits : XXXX XXXX : {$500.00} on XX/XX/2023 XXXX XXXX : {$500.00} on XX/XX/2023 I satisfied the terms and conditions of the bonus within the time frame that Truist specified, but they are denying me the bonus, claiming I did not meet the requirements. I received an email from Truist on XX/XX/2023 stating the following : " During our final review, we noticed that you did not meet all qualification requirements of the offer, therefore, the reward will not be processed. '' Apparently the XXXX deposits were erroneously coded in their system as person to person payments, but they are in fact from my employer. It is a direct deposit from my employer, so this meets the terms of the agreement. These paycheck deposits should have been coded as direct deposit, and the error is apparently with Truist 's online coding system. My account has never been in a delinquent state, and I am in good standing with my account status with them. I fulfilled the requirements, so I am entitled to the bonus that they promised from the onset of my opening an account with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15108
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I am suddenly being charged fees on this account, which was fee-free for a long time. Last month they refunded. This month they refused and got NASTY with me on the phone. I tried to close the account ( because why would I keep an account with Truist, just to be treated this way? ), and was told I had to call back AGAIN tomorrow. This is outrageous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28405
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Approx XXXX deposited in my business checking account ( refinance proceeds ) XX/XX/XXXX ( Account was placed on hold I was not notified ) XX/XX/XXXX deposited {$4600.00} ( not notified that account was in hold status ) XX/XX/XXXX XXXX deposited into business checking account ( refinance of second investment property ) when I tried to pay contractors for the work the wire was rejected and I immediately went to the bank. At that point I was notified of the hold. XX/XX/XXXX I emailed my banker both closing documents- all pages ( although they didn't ask for these items ) verifying the origin the amounts and purpose of the funds wired into the checking account. I have went to XXXX branches and called and no one can tell me why the bank would decide that the loan proceeds wired to my account is being held and investigated. Even the bankers have said that they have never had this happened and not sure what to do. My complaint is against the internal process of accepting and holding funds without reason and the overrall callousness of the banking employees at Truist Bank. The very mortgages that were refinanced are now past due, I am trying to salvage my relationship with the contractors who did the work on my properties and none of the banks employees are showing any urgency in getting this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: Truist bank offered a checking acct promotion whereas if XXXX deposit {$1000.00} within a specified time frame via electronic transfer, one will receive a {$400.00} bonus. I completed all requirements within the allotted time frame and was sent an email stating I did not qualify. I have been trying to reach agents within Truist and they continually stall, transfer, disconnect or have no idea what I'm even talking about. I have all documented evidence that I complied with this offer and all deposits were issued through my employer, XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40222
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist Bank did not give me my new checking account promotion. I went into the bank with a promotion that provides {$400.00} for having XXXX direct deposits of XXXX dollars within 3 months of opening a checking account. I opened a new checking account with the bank on XX/XX/2023 at the Truist bank in XXXX XXXX XXXX XXXX XXXX with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX confirmed with me that this promotion was valid for me and he will apply it to my new account. I noticed after I had completed the requirements of the promotion, I did not receive any promotional funds added to my account after 3 months in XXXX. I contacted the Truist Bank XXXX and they told me that the promotion was never added to my account when I opened it. I then contacted XXXX XXXX and he told me that he did apply the promotion, but there was a glitch in the system that caused the promotion to not be applied. He told me he will follow up with the XXXX department. I proceeded to contact him XXXX additional times of the course of the next 2 months. The first time he said they are still reviewing the matter. The second time he said they declined it and he then told me he will follow up with them. The third time he told me that they are still investigating it after the follow up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33308
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A