Date Received: 2023-10-22
Issue: Unauthorized withdrawals or charges
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am lodging a complaint to resolve and return {$2000.00}. Stolen from my account. On XXXX XXXX XXXX XXXX a Truist representive ( XXXX ) called me at work asking me if I had used my Debit card to charge {$430.00} at XXXX XXXX in XXXX XXXX I told him no. I never use my Debit card for purchases. He said he would block it. Then he said are you wiring anyoneXXXX XXXX I replied no. Do you know anyone there? No. He ask me to confirm some codes he sent me. I did so .He said he would have to get another department to help him and would need to freeze my account till they get it straightened out and will call me tomorrow. I agreed. XX/XX/XXXX he called me and we stayed on the phone for 30 minutes and said we get back to you. Again I was at work that was ok. Next morning XXXX I was in the bank at XXXX. I met with XXXX XXXX. She called operations .They told her they were still investigating fraud and something soon. XX/XX/XXXX back in the bank XXXX talking to XXXX XXXX XXXX He called. He told me they needed to set up a new account because of investigating and my account was compromised. We did even though I had been there so many years I had drafts and Social Security checks to change for me and my wife thats a XXXX of a lot of inconvenience. But we did so. He also said they would send me a Fraud form to fill out. But bring it in so he could help me expedite things. I had to be out of town from XX/XX/XXXXXXXX XXXX with my wifes XXXX XXXX XXXX a Friday we return got fraud forms met, XXXX in the bank, and sent in form. He said may take a few days since Monday was a holiday. Agreed. XX/XX/XXXX a Tuesday we got a denial dated XX/XX/XXXX. Really! I was XXXX. Someone setting at home on their XXXX and doesnt care and sends a denial. I was beyond upset. I charged in to XXXX office and demanded to get this taken care of now. He called in XXXX XXXX. They assured me they would escalate it to a higher level. I we had to get a mediator they would. They assured me someone would be in touch immediately. I knew this was to get me out there and I had no confidence anyone cared. Sixteen days of my XXXX. Dollars stolen and no one cares and no one listens. XXXX XXXX calls from support ( with poor XXXX you know shes not in our country. This give no confidence for a solution ) She will take over my case and will have resolved by XXXXXXXX Didnt ask any questions. What happened, why it happened, nothing? XXXX a lady called told me case closed they will not considered giving me my money back, I approved it, it came from my on line banking. I got enraged I told her XXXX I could I do it talking to your representive watching it happen. Also I never heard of XXXX and until I told my son and he explained. Im sorry I lost my temper but XXXX XXXX XXXX XXXX takin care of my wife who has a XXXX XXXX XXXX XXXX XXXX ) and I have to take her to XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ive had to go back to work because of the money I bleed. I truly need this money put back if you need to call me Im always available to talk. Finding someone to listen has been the problem. My phone is XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-23
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My sister XXXX XXXX XXXX is XXXX of my mothers estate. She has been trying to get copies of all statements ( checking, savings, XXXX XXXX irs, etc ) from bb & t, now truist and they are having problems getting them. Shes requested statements for the 18 months prior to our mothers passing. Would appreciate help. Please provide copies to estate attorney. XXXX XXXXXXXX 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 XX/XX/XXXX XXXX XX/XX/XXXX Ss # XXXX Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34747
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Complaint Filed : XX/XX/XXXX Customer Name : XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Dear Trusit Bank This letter is to notify you follow up on the issue on XX/XX/XXXX via customer service over the phone. An Issue that has occurred with my business debit card on XX/XX/XXXX at XXXX. I attempted to utilize my debit card at XXXX grocery store. The Bank customer service representative overlooked my account and attempted to assess the issue. Customer Service representative stated there is no issue with my account try using my debit card again at the grocery store. I attempted per customer service request several times. I was exhausted with no resolution that had occurred. Truist phone representative stated that there will be another card issued. It appears my card is malfunctioning as well as the system. The representative stated she does not see any issue with my account other than my debit card malfunctioning. I, XXXX XXXX walked into the branch office at XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX to escalate my concern. I voiced my concern to the branch teller to explain my debit card issue and would like to withdraw {$300.00} due to debit card and requested a temporary card. The bank teller stated there is an issue with my account, I stated I was not notified of any issue. The bank teller stated Truist Bank do not have to notify me of any suspension or issue with my account. Then became very annoyed and argumentative without stating the facts about what is the issue. The Branch Leader III noted she remembered me when she opened my business account. The Branch Leader requested to take over to assess the issue of my account. The branch Leader called customer service due to the notes in my account was not supporting the reason of the blocking. Per Branch Leader stated that she spoken to the customer service escalated department, that my account has a suspension due to investigation of fraud alert of a wire from closing funds of my property on XX/XX/XXXX transferred at XXXX into my business account amount {$27000.00}. I, XXXX XXXX wasnt notified, called, or emailed of this concern nor by letter. I only received a letter on XX/XX/XXXX notification Wire Transfer Operations from Truist funds was wired into my account on XX/XX/XXXX at XXXX I am dissatisfied with your service because the first customer service representative stated there is no issue with my account on XX/XX/XXXX. Second, Truist branch in XXXX told me, the bank does not have to notify me of my account with the changes of being blocked. I have already attempted to resolve this problem by calling Truist XXXX number on XX/XX/XXXX no actions taken. Also walking into the Branch office of XXXX, GA which was advised by showing my identification, still unresolved my account is blocked/suspended. The Branch in XXXX, GA stated there is nothing they can do nor assist me nor give me information to escalate this issue. I have enclosed copies of my records. Include copies of receipts of my closing and proof of sale with XXXX XXXX XXXX XXXX XXXX XXXXXXXX company. I have documents and a utility bill stating the property that was sold at XXXX XXXX XXXX XXXX, GA XXXX, and identification 2-3 forms relevant documents. Unfortunately, the problem remains unresolved. I am hereby urgently requesting Action ; I want immediate release of my account funds due to consumer rights violation or this will engage into a lawsuit against Truist bank for damages of loss of business invoice canceled and loss of funds and contracts canceled has interrupted my business. 10 Rights Violated as a Consumer 1. Branch Bank Teller Stated the Bank does not Have to notify me of changes to my account. 2. Rights to Redress -Customers having a right to an efficient complaints management system through which they can lodge complaints against the bank was not given when I requested, I want to file a complaint. I have a right to be kept abreast of the resolution process. ( Acknowledgement of feed-back, update, explanation and ultimately, basis of decision and consumer banking right. 3. Funds Availability Act violated. 4. The Right to be informed and actions I can take to assist with account concerns has been violated 5. Bank to send proper notification of changes has been violated. 6. According to banking regulations and consumer protection rights reasonable period clear funds within 5-7 business days. 7. Right to information per requested denied and was not given. 8. Consumer Bill of Rights Violated 9. Civil Rights Violation ( free of discrimination stating wire fraud in the past with other customers was stated to me. 10. Disruption of XXXX XXXX XXXX XXXX XXXX invoice scheduled for payment has resulted in me canceling several business contracts due to my account being blocked. Please contact me within 2 business days to confirm that you will honor my request. I have prepared a complaint for submission listed for further investigation and notification of rights violated by Truist Bank : a. Civil Rights Violation b. Consumer Financial Protection Bureau Complaint Filed c. Complaint Filed with FDIC XXXX XXXX Georgia Attorney General Consumer Protection Division eXXXX XXXX XXXX XXXX f. Forward to my Attorney XXXX XXXX Attorney at Law ( representation ) I, XXXX XXXX have all reports filed and recorded complaint saved for lawsuit hearing if needed. I have filed a complaint due to 10 rights evidently violated and unresolved with no resolution with my account within this time I have indicated. Thank you for your anticipated assistance in resolving my account quickly and efficiently without furthermore violating my rights as a consumer! Please contact me at : ( XXXX ) XXXX Email : XXXX If you have any questions. Sincerely, XXXX XXXX XXXX XXXX XXXX ( XXXX ) : Attached document copies. Closing Document from XXXX XXXX XXXX g. Civil Rights Violation h. Consumer Financial Protection Bureau Complaint Filed i. Complaint Filed with FDIC XXXX XXXX Georgia Attorney General Consumer Protection Division k. XXXX XXXX XXXX Attorney XXXX XXXX Attorney at Law ( Representation )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had a payment due on the XXXX of XX/XX/2023 and paid it on the XXXX of XXXX and they gave me a XXXX late payment, when its only been 12 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. My personal information has been stolen and sold to consumer reporting agencies therefore I am a victim of identity theft. I have tried disputing such claims however nothing has been done. This is effecting my reputation and everyday living. Pursuant to 15 USC 1681a ( d ), 15 USC 1602 ( L )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XX/XX/2023 I was in XXXX in XXXX Georgia and my debit card with Branch Bank was ran three times and it was {$55.00} over what they should have ran it for I immediately brought that to their attention before I even left the store and they said oh well if you look at the receipt truly they only had two transactions that came out not the XXXX and that it would take 24 hours for them to clear their system anyways and I would have to get with my bank. Did that and they're telling me it could it's going to be 90 days I don't see how that is even fair I mean this is not my error that one of them messed up I mean I gave them the contact information pick up the phone and call I mean y'all have technology and why why do I have to suffer I'm unemployed my power got cut off because of this I mean I have gone through just trying to get answers from these people and I'm getting the runaround they can't even tell me how they're trying to contact the merchant All they're saying is they're trying to contact the bank well it doesn't take that long to contact the bank I mean shouldn't be like this I shouldn't have to suffer they need to give me a temporary credit like everybody else in America gets I feel
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: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I had a mortgage with Truist Bank. They would not accept the final payoff payment at their physical bank locations. We had to wire the funds which cost us an additional {$30.00}. In order to be sure that we could send the wire in time, we asked for a payoff date of XX/XX/XXXX. We sent the wire on XX/XX/XXXX. They acknowledged receipt as of XX/XX/XXXX. However they charged interest till XX/XX/XXXX. Also, to date we have not received the refund of the escrow funds. When we asked the customer service representative, they said that the check was mailed on XXXX. Since then we have received two other documents from them but no check. They say that they will only send a replacement check after XXXX. They will not send a replacement till 30 days have passed. I suspect that they are doing this just to delay refunds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account was over drawn less than {$2.00} on XX/XX/XXXX. I called Truist to see if they could waive the fee but they refused since I had a fee waived in XX/XX/ XXXX They refused to provide further information and it seems to me that they are simply stealing my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21212
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was the victim of wire fraud. An individual accessed the system of either our mortgage company ( XXXX ) or closing company ( XXXX XXXX and XXXX XXXX ) and emailed me under the guise of our mortgage agent. They included a docusigned version of our qualification letter to reference the {$130000.00} in closing costs I would need to wire to the closing company. I wired that amount from my bank ( XXXX XXXX ) to an account at Truist ( account number XXXX ). Truist held flagged the transaction as possible fraud and contacted XXXX XXXX, who contacted me. I told them it was fraud ( by that point I had figured it out ) and XXXX XXXX relayed that message to Truist. That happened XX/XX/2023. Since then, I have been working with XXXX XXXX to try to get my money back from Truist ( who did not deposit the transaction into the fraudulent account ). I signed a letter of indemnity and have been waiting months. Yesterday, XXXX XXXX closed my case, saying that it was now between myself and Truist Bank as to whether I would get my funds. I have no point of contact at Truist. I don't have an account there. And I was basically told it was up to Truist whether or not they would keep my entire life savings or return it to me. Has anyone there ever heard of something like this? And how can this be legal? In my opinion, Truist basically foiled fraud so that they could commit it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18020
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: I had made three XXXX payments to a jewelry in the total of {$4000.00} for a custom made pendant which was initially supposed to take a week and is now going into over a month I havent been able to contact him for XXXX weeks now regarding update on my order since he has been unreachable a lot of stories of his fraudulent pass and current activities has been shared over social media by other victims of his scam he had even reached out threatening the victim to remove his identity from the social media post or no money or item would be returned to her which means he has been seeing all of his victims including me trying to contact him whiles he is quoted riding around drinking with our funds I had reported the matter to truist in which my claim was denied when I feel a chargeback should be made and my funds returned to my account. Truist has since issued a partial refund of {$1200.00} but denied my claim to have it reviewed again for a full refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A