Date Received: 2023-10-23
Issue: Problems at the end of the loan or lease
Subissue: Excess mileage, damage, or wear fees, or other problem after the lease is finished
Consumer Complaint: Please refer to your XXXX. This account is for a XXXX car lease through Hann Financial Service from XXXX XXXX. 8 years ago. I was put into collections because my last payment was for {$490.00} instead of {$490.00}. That is a difference of XXXX cents. I have two children in college, and this is continuing to hurt my credit with all three credit agencies. PLEASE NOTE : This was already resolved and removed from all credit reports 2-3 years ago. It is suddenly reappearing. It should not be!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Truist bank and the truist fraud department. I have been calling the fraud department after dening my claim twice for an ACH transaction. Then I received a letter from the client resolution specialist XXXX XXXX he said the decision to deny the claim remains unchanged. I called again today the supervisor could barely speak English and just kept repeating herself. After explained repeatedly why the ACH transaction should have been returned. She refused to tell what was in the notes from my conversations. After calling over 6 times. I'm sure that money should have been returned. If you have further questions someone can contact me. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08360
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Truist has an app called the XXXX XXXX that they advertise that you have to link a Truist Account to. Supposedly, by signing up for the XXXX XXXX you can be entered into a weekly drawing to win $ XXXX called XXXX XXXX. I googled XXXX XXXX and the only thing that comes up is the Truist XXXX XXXX- i don't think this weekly drawing for a XXXX dollars actually exists. I think this is a clear UDAAP violation for deceptive practices. I think they are doing research into XXXX 's and created a bunch of fake websites such as XXXX which has a fake conference called the XXXX XXXX XXXX ( XXXX ) to hype up this fake game. It's weird but it all appears to be fake. Please look into this CFPB! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Hello, After accessing my credit report from all 3 credit bureaus, I am upset to find several hard inquiries that I never inquired about nor gave my information to run these credit checks. The information for the inquiries is below : Date : XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX XXXX Phone : XXXX Date XXXX/XXXX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX No Phone Provided Date XX/XX/XXXX XXXX XXXX XXXX No Phone Provided Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX XXXX XXXX Phone : No Phone Provided Date XX/XX/XXXX XXXX Phone : No Phone Provided Date XX/XX/XXXX XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXX XXXX Phone : XXXX Date XX/XX/XXXXXXXX XXXX Phone : XXXX Many of these inquiries were done on the same day or same time and it looks like someone was trying to take out a car loan or personal loan in my name. I did NOT give my permission to any of these companies to run my credit and these were done fraudulantely without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48116
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I decided to voluntarily surrender the vehicle in XXXX of XXXX due to the increasing vehicle theft of any XXXX model. Unfortunately I did not have insurance or the money to fix the repairs I had no choice but to surrender the vehicle. I feel like since the uprise of XXXX vehicles thefts, my credit should not be affected or Damaged due to something that was beyond my control. I understand that I am financially responsible for the remaining balance on my account however since the account status is now written off as bad debt I shouldnt be penalized as far as XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Sometime in XX/XX/, someone accessed our TRUIST account. They viewed or printed copies of FOUR checks. Neither myself or the co-user on the account requested these. The unauthorized access caused fees to be accessed on our account. I contacted Truist on XX/XX/XXXXXXXX XXXX XXXX XXXX, and XX/XX/XXXX. I have spoken with a local branch, their fraud department, and accounts department. None were able to help me. Truist is unwilling to provide details about the FOUR transactions. We asked for : 1 ) who initiated the transactions, 2 ) which bank employee initiated the transactions, 3 ) the date/time of the transactions, 4 ) the location ( branch ) that initiated the transactions. Without this information, we are unable to determine if these were FOUR errors ( One might happen, but not FOUR ), an inside job where an employee is stealing customer information, persons impersonating myself or the co-user, or some other nefarious action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-24
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: My card was stolen and used to make a charge. When I noticed it was stolen I called Truist and let them know. The day after, a charge appeared on my card ( it happened over the weekend, charge appeared Monday ). I called them and started the dispute practice. They said it would be resolved before the first billing cycle and that wouldnt need to worry about the payment. As the deadline approached I called again to check the status. This time they said it would be taken off between the first and second billing cycle. No one told me I needed to pay. After the due date, the charge was still there and there was a late fee + interest. I called them and the fraud rep said the dispute was still pending but a Credit Card Services Representative would be able to credit the late fee and interest. She transferred me. He told me that he couldnt do anything, and that I needed to pay the bill. And only after payment, Id have to call again to discuss the late fee and interest. He was rude, I asked for a supervisor and he said there wasnt any. I told him I wanted to make a formal complaint and he said hed leave notes on my account and then that was the end of the call. I do not believe he actually made the complaint which breaks banking law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33525
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: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: In an email I formally requested that PMI be removed and partially paid back as it should have been romoved quite some time ago. The mortgage is less than half the original home value and I've never refinanced. Suntrust became Truist and I've had many issues as they keep recalculating my payment and re-evaluating the escrow every few months. Not only have they denied my PMI removal request once again I am told that the newest escrow calculation show a XXXX $ shortage for the year and somehow that calculates to over XXXX $ increase in the monthly payment. The math isn't mathing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
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: Problem with renewal
Consumer Complaint: I opened a 6 month CD with Truist Bank on XX/XX/2023 with {$10000.00} at the current interest rate which was about 4.5 %. I bought the CD so as to qualify for a free checking account which required that I keep at least {$10000.00} on deposit with the bank. I requested that the CD automatically renew, which it did on XX/XX/2023. Two weeks later, on about XX/XX/XXXX, I received notice that the CD, now worth {$10000.00} had indeed renewed but at an annual rate of .01 %. The going rate at the time was nearly 5.00 %. They were clearly hoping that I, and presumably the other thousands or tens of thousands of customers that they were doing this to, would not notice their attempt to hold my money without paying interest. XXXX percent of {$10000.00} for XXXX months is XXXX cents rather than the nearly {$250.00} I would have received had they renewed in an honest manner. I went to the bank branch since Truist could not handle the matter over the phone. The bank manager had the nerve to claim that since they were not offering 6 months on the renewal ( only 7 months ) they were only able to renew it at the .01 % rate. I told XXXX that they no longer had my trust and that I would be closing my account as soon as I could arrange to set up my XXXX XXXX deposit at another bank. The manager closed the CD, ever so generously waving the nearly {$25.00} penalty for closing the CD early ( sarcasm here ), and put the money into a money market account paying about 3.75 % interest. Meanwhile I have requested XXXX XXXX to deposit my monthly benefit in another bank which they will start doing in early XXXX. At that point I will close all accounts at Truist.
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: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Delays in the application process
Consumer Complaint: The concern is with TRUIST BANK IN XXXX XXXX XXXX XXXX the occurrence as to date XXXX XXXX XXXX is not being Mey in spite of documents being signed and submitted as XXXX. The nuance of emails that were to be sent has not been adhered to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A