Date Received: 2023-10-20
Issue: Lost or stolen money order
Subissue:
Consumer Complaint: On XX/XX/ I went to the banking center above and purchased a cashiers check to pay my rent at XXXXXXXX XXXX. The Cashiers Check was for {$2200.00} made payable to XXXX from my Business Checking Account under XXXX XXXX XXXX the fee for the cashiers check was debited from that account. I took the check and went straight to the XXXX XXXX and I turn the check in. The next day, I noticed that the rent payment was not posted to the rent account and I went to the office and was told that the cashiers check was lost. I immediately went to the banking center where I purchased the cashier check and I was told that the bank could not return my money to me until 90 days from the day the cashiers check was purchased. I spoke with the manager and she told me to at least wait 30 days and then she would see what could be done to replace the cashiers check. The Office Manager at XXXXXXXX XXXX told me that she could not wait 30 days for me to come up with the funds. I then spoke to my church pastor and he lend me the {$2200.00} in order to pay my rent so I would not be evicted. Thorough out this entire issue the bank manager and other employees verified that the cashier check that was lost has not been negotiated even until todays date ( XX/XX/ ). I then went on XXXX and shared my experience with the Truist Customer service and several days later I received a response from the customer advocate department ( XXXX XXXX who told me that she was going to see what she could do this was on XX/XX/XXXX XXXX XXXX Today, XX/XX/XXXX XXXX called me regarding my situation Case # XXXX and informed me that there was nothing that could be done in order for me to get reimbursed the {$2200.00}. Please help me in getting this issue resolved by helping me in getting Truist bank in reimbursing me the {$2200.00} from the lost cashier check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I have been reaching out to Regional Acceptance Corporation regarding a fraudulent contract and I did a cfpb complaint and Regional Acceptance Corporation decided to charge off the account. This account is also reporting inaccurate information on my consumer credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78577
Submitted Via: Web
Date Sent: 2023-10-19
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: Payment process
Consumer Complaint: Truist ( simply one of the worst banks i've ever had the misfortune of working with ) cancelled my bi-monthly recurring payment without reason and without notifying me ( was scheduled for XX/XX/XXXX ). Additionally, they are not letting me make a payment at all ( says payment options are unavailable to me ). All I want it to be set up on recurring bi-monthly payments as their offering suggests, without them canceling payments behind my back and not letting me reschedule. So frustrating, I've never worked with a bank that makes it so difficult to PAY. Anyone that reads this please AVOID TRUIST BANK AT ALL COSTS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: So between the dates of XXXX XXXX XXXX through XXXX XXXX XXXX I have been in communication with the Fraud department and main customer service line Truist Bank of XXXX XXXX XXXX During this time, I had been communicating with a guy by the name of XXXX, who had presented himself as a Loan Brooker for XXXX XXXX XXXX. Upon answering my phone there was a lady by the name of XXXX XXXX who had told me that I had been approved for a loan in the amount of XXXX with an installment for XXXX months for XXXX a month. That all I had to do was present this loan approval code (XXXX) to their loan coordinator and she asked me if it was OK if she transferred me and I told her Id be fine. Upon transferring me a Mail picked up the phone with the foreign accent, and told me that he was the coordinator, and that he was going to gather some more information about me and he went by the name of XXXX He congratulated me for being approved for the XXXX loan and then I told him well you always kind of looking for XXXX XXXXoan. He began to tell me that he could see about raising my loan after he gathered my information. So he asked for my full name what state I was living in he asked me what my employment status was if I was single or married. He asked me if I had any kids he had asked me if I was getting paid weekly biweekly and when would it be my next pay day he asked me what my net gross was before taxes he asked me my date of birth, I believe he asked me for my Social Security, and Im not sure. So after he gets all that information From me, he goes on to tell me that I could change my XXXX loan at XXXX a month for an installment for XXXX months to a XXXX loan for XXXX a month and installments of XXXX months and I asked him if I could go ahead and get the XXXX he said absolutely. so after that, he asked me for my banking information he first asked me for my account number and my routing number which I thought this immediately was normal for a particular situation like this. He then went on to ask me if I do my banking online. And I told him yes I did. He asked me who was I banking with, and I told him Truist. So, as the Phone conversation goes on, and hes got all of my information. He tells me that theres one last thing we have to do before I can receive this loan, and he can only do it with my permission. He kept telling me that he was on a recorded line. he asked me if it would be OK for him to deposit a verification deposit into my account in order to verify that my account is in good standing and also to ensure that the bank will receive their funds for my loan. And I told him this would be fine. Ive heard the verification deposit before, but Ive never really went through it so that didnt seem fishy to me.. he asked me for my username and my password for my banking account, and I subsequently gave him this information because I was so convinced and so excited about this Loan and that this was just part of the process of receiving. During the phone conversation with XXXX, he told me that he was going to deposit any sort of money through my online banking portal. I did, however give him permission to deposit money into my account, but I have money deposited into my account in various ways on the regular, I had no idea that I give him access to my online banking and that he was depositing these checks under my name fictitiously and presenting them as if it were me. So around XXXX XXXX XXXX XXXX XXXX my account for Truist received it deposit of XXXX. This money immediately posted the following and after communication with XXXX he had reminded me that this is not my loan money. It is simply a verification deposit And that the sooner I sent him( XXXX his money back thru XXXX XXXX the sooner I would be able to receive my XXXX loan. So following morning XXXX XXXX XXXX I checked my account and the money had indeed cleared. I called XXXX and let him know that the money is cleared and hes ready for me to send the money to him. Let me know around XXXX XXXX during my workday I received a call from XXXX and he was telling me that he was going to send me some cash tag in order for me to return his money and so I said OK, thats fine. Gave me multiple cash tags in which none of them worked. However two of them had told me that they went through but the money was immediately returned because it was reported as a scam or fraudulent, Im on the phone with XXXX the entire time sending him screenshots of whats going on on my end of the phone. So after none of the cash tags work by sending cash app, he asked me to do bitcoin with the same cash tags and again none of those went through either. Im at work, so Im kind of frustrated. I need both of my hands in order to work and I tell this to XXXX, I said hey, I understand your money and I want to get it back to you as soon as possible and then I also understand that I wont receive my loan unless I do. Is there any other way that we can do this or you could just wait till I got out of work . Told me that there was another way for me to get his money back to him. I would have to go and buy gift cards in order to replace the money that I had to purchase two XXXX cards valued at XXXX apiece and sent him the card information. That way he can transmit these cards into cash and approve my verification deposit return.. so I talked to my boss XXXX as mentioned I was at work and I tell him whats going on. Hes very understanding person. He told me that would be fine that I went to the store to pick up these gift cards for this guy and also if I needed a ride, he would provide one for me. So my boss man and I are headed to XXXX XXXX on XXXX XXXX XXXX XXXX XXXX, North Carolina. I text XXXX and tell him that Im headed to the store to get the gift cards. He told me not to get the XXXX cards to get the XXXX gift cards to XXXX at first I didnt think they were there so I text XXXX and told him that Im not seeing the XXXX gift cards. I sent him snapshots of all the gift cards in case there was another one that he could use. Ill look again and I see that I can gift cards so Ill grab two take them up to the cash register use my XXXX XXXX card in which I transferred the money from my account and wire transferred it to my XXXX XXXX account. Lady asked how much do I want these cards? I told her XXXX on both and she said so a total of XXXX and I said yes maam I pay with my cash card. It goes through. I text XXXX and tell him that Im on the way back to work that Ive got the two XXXX cards, and then I will send him the information as soon as I can. Before any of this happens, I had actually contacted the bank Truist Bank and asked the bank teller who made the deposit on my account because I was curious at this point if this was an actual legit loan he wanted me to get gift cards. So the lady goes to tell me that it was made a deposit and several days later I found out that if that was the case then I had actually deposited this check into my own account.. but thats not what happened had gotten into my account and presented himself as me. So, at first I didnt know what a deposit so I told the lady that I was speaking with I was like OK because Im trying to receive Loan and I had to make a verification deposit in order to be approved for the fund and the lady said OK and I told her thank you and have a great day. So that shouldve been a flag for the bank. They should have put a hold or stop on my account and not received any more deposits transactions and so forth if Im calling about a deposit in which I apparently Have sent through, but Im calling to ask you sent them. Anyhow once I get back to work, I connect back with XXXX on the phone and I ask him some further questions about this loan. The first question was I really going to receive my promise alone if I send these cards and their information to him he convinced me that this was true, and that there are a lot of scammers out there however, he is not one. He told me he was an honest man and hes just working for XXXX XXXX XXXX. He told me I could look at the reviews And hes been doing this for the last seven years and he promises soon as I send over the card information within two hours. I will see my loan deposited to my account. So here I sit with two gift cards that I purchased with the verification deposit and I want to send this money back because its not my money. and in order for me to do that I had to send off this information. He asked me to send it through picture so I took two pictures of the cards and also took pictures of the receipt sent these to him and he let me know that he had received them and then he was getting ready to process the cards and then, as soon as the cards have processed, hes going to process my loan he said give them within two hours. I told him I was like all right I was like man please dont screw me over Ive got enough going on in my life right now. And once again, he had told me that he is real. This is not a scam and then I will see my money within the next two hours. I asked like well how am I supposed to make my payments? You never told me hes like XXXX will be ducted off of your account each month for the next XXXX months And I said ok. The card information via text message, which came from the verification deposit even began to tell me he was processing the cards. Around 40 minutes later, he told me that the cars were still processing and asked me how I was doing.. I told him Im very anxious to receive this loan because I need a car which was the reason behind it. He said Im sure you, XXXX XXXX your money. Will be there as soon as these cards are processed.. so I tell him OK. XXXX XXXX XXXX XXXX XXXX XXXX had called me and told me that he had process alone to do it credit bureau and they had placed hold on it. He told me that the reason behind this was because my credit score was not high enough. I needed to have a XXXX in order to receive his XXXX loan. at the time my credit score was at XXXX with 100% payment history and One open account. so he told me in order for me to get my credit score up with my permission. He would deposit two more verifications into my account and told me that as the credit bureaus see this money going into your account clearly they were recognize I will be able to afford the XXXX loan and not only that it will increase my credit score to a XXXX. I am very weary about this entire situation but Ill allow him to once again place this deposited into my account. so later on that day shortly after I got off work around XXXX and XXXX the deposit hit my account One deposit was valued at XXXX and the second deposit was valued at XXXX when I seen the value of these deposits I was a little concerned. he text me and told me that the deposits have been made and the funds will be available in the morning after review of my account. There was a hold immediately placed on these checks and the release was set for XXXX XXXX XXXX at this point my communication with XXXXn has dissipated because he is now suspecting that I know whats going on. so at this point is put on hold I cant withdraw or anything from my account so I called the bank and asked him what was going on and they told me that I have an administrative hold on my account and that I need to call this number and also the guy gave me this claim number (XXXX XXXX XXXX Fraud department) so I reach out to them and they tell me that I have an administrative hold on my account and that its under investigation. So no money can come in and no money can come out. On XXXX XXXX XXXX XXXX I had received my payroll direct deposited in the amount of XXXX. As the day goes on around XXXX I check the status of my account and see that its now at a negative balance of XXXX so I immediately call the bank and ask him whats going on let them know what my account is saying so what happened was is the XXXX that was sent was actually a bad check and so there is a deposit, and they took the money from my account to cover the XXXX they had been removed. Ive been back-and-forth with the bank and the fraud people since XXXX XXXX and it has extended to todays date which is XXXX XXXX XXXX Im still trying to resolve this issue with the bank but now theyre trying to tell me that the bank is done all they can do and that I now have to pay the balance that is due which is now XXXX. This is before they can even proceed with my investigation of my claim. So now Im reaching out to you and this complaint I dont feel like its right, but I should be owing the bank being that Im a victim of a scam.. I do have pictures of the conversation pictures of the check in which were deposited and pictures of the card in which I sent to him via text message. I can send those to you through email if you can provide me with One thank you for your time. I hope we get to the bottom of this. The bank is not standing by their policy and I reminded them that they should I dont feel like Im being treated right and I definitely dont feel like Im being heard. which is another reason why Im reaching out to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: In XX/XX/XXXX, I filed for bankruptcy, but did not include the loan on my vehicle. I made timely payments on my vehicle until it was paid off in XX/XX/XXXX. I was reviewing my credit report and the loan holder reported that my loan was discharged through bankruptcy which wis not true. I contacted XXXX to correct the discrepancy. Today, XXXX XXXX, XXXX, I received an email from XXXX that my dispute was resolved. XXXX did not resolve anything and the incorrect information remains. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There were two fraud charges on our debit card - Total of {$7500.00} We put in a claim multiple times and they denied them. They used one of our owners information instead of the company info for the claim. These charges were in another state. They told us they think we are lying.
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: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I rented a car from XXXX XXXX. On the XXXX of XXXX. I paid XXXX for the week in advance I returned the car a week later. I was told I owed nothing cause I paid in advance. 3 days later XXXX charges my card XXXX without my authorization because the contract was void because I returned the car. I went to XXXX XXXX XXXX and filled a dispute on the XXXX. They came back and said the dispute wasn't in my favor because I filled the dispute while still in possession of the car and that's no way true because I have all the proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37160
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: I had a HELOC agreement with Truist dated XX/XX/XXXX ( which will be attached ). On XXXX, XXXX we entered a new agreement and this previous loan/lien was paid off. The other file attached will show an Internal Payoff-HELCOC for {$110000.00} as well as the account number they paid off. However, it is over 6 months later and it is still showing as an active lien with the County Clerk.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am writing to express my deep concern and disappointment regarding the handling of a fraudulent transaction that occurred in my Truist bank account. On XX/XX/2023. I believe. My experience as a victim of fraud has not been met with the appropriate attention, consideration, and urgency that such a situation demands. On that unfortunate day, an unauthorized withdrawal of over {$9000.00} was made from my account. This prompted a call from XXXX XXXX XXXX on XX/XX/2023. Confirming my lack of authorization for the transaction. Subsequently, I contacted Truist to address the issue and was directed to visit the branch. Upon visiting the branch, I met with XXXX XXXX XXXX. Who initiated the necessary steps, including reporting the incident to the XXXX XXXX, restoring my original contact information, blocking further authorization access, and even opening a new XXXX account ending in XXXX for me. I was assured that I would receive a letter with a case number within 3-5 business days and advised to call XXXX. XXXX for updates. However, my attempts to seek updates through the provided number were met with frustration as the information I received was inconsistent and unhelpful. In person visits to the branch specifically with XXXX and XXXX, they tried to help with the situation but also yielded slow progress as their information was limited despite numerous follow-ups and efforts. As of XXXX, I am disheartened to inform you that I have not yet received any official communication regarding the investigation or resolution of the fraudulent withdrawal, as a devoted client of Truist. I entrusted my hard-earned funds to your institution, believing that they would be secure and well managed. Regrettably, this experience has severely impacted my XXXX operations and my ability to support my family and community as a XXXXwoman, and community leader. I must emphasize that the process I have been subjected to by Truist has felt more akin to treating me as a criminal rather than a victim. The lack of transparency, timely updates, and appropriate support has only compounded the distress caused by the initial fraud incident. I firmly believe that no one should have to endure the frustration and anxiety that I have faced throughout this ordeal. My intention in reaching out to you is to earnestly request your intervention in this matter. I implore you to direct the situation to the individual or team within Truist who possesses the authority, expertise, and dedication to bring about a swift and satisfactory resolution. As someone who has poured her energy into building a small XXXX in Florida and contributing to the well-being of my community, I genuinely hope to continue this endeavor without the undue burden caused by this unresolved issue. I have faith that Truist values its clients and their trust in the institution. Therefore, I kindly ask that you prioritize this matter and ensure that I receive the necessary information, updates, and closure that I rightfully deserve. This not only aligns with ethical business practices but also reflects genuine concern and commitment to your clients well-being. I eagerly await your prompt response and actions on this matter. Please do not hesitate to contact me, to discuss the situation further. I sincerely. Hope that Truist will rectify the situation and restore my confidence in the institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33351
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-18
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: To whom it may concern, I opened a Truist Bank Checking account on XX/XX/2023, and funded the account using the XXXX XXXX the same day. I had another checking account already funded with Truist but wanted to open a new account that would allow paper checks. On Saturday, XX/XX/2023, I attempted to log in to my online banking account to check my funds and saw that my account was locked for " suspicious activity. '' There was no previous alert or notification to me by email or text that there was any activity warranting my account to be placed on hold. Their Fraud Department was closed during the weekend, so I had to wait until that Monday to speak with their Fraud Department. I called their Fraud Department on Monday, XX/XX/2023, and was transferred to XXXX different people who could not tell me what was going on with my checking account or why it had been locked. Finally, I was transferred to a Gentlemen who told me that my checking account ( both ) was closed and that the funds remaining would not be dispersed until 30 days. The specialist claimed that my account was closed and " under review '' for the XXXX transactions I used to fund my account but offered no further clarification or information as to what actions I did wrong regarding the XXXX transactions that caused the closing of my account. There is no law or policy stating that using XXXX XXXX is not allowed to Fund my Bank account, if it were, I would have not used that method to fund my account. In addition, I funded my previous account with Truist via XXXX and had no issues or notification that it was an issue. Truist should not have XXXX XXXX on their platform as an option for consumers to Fund their accounts if they're going to use it as a basis to unfairly close consumers accounts and withhold their money. I have done nothing wrong, and I can verify that every transaction made to and from my Checking Account through XXXX was legit and lawful. There is no fraud! Nor has it ever been! I just opened this checking account with Truist bank, funded it with over {$2700.00} of my hard-earned money, only for them to close it on the same day and give no explanation, notification, nor method of me being able to get my money back in a timely manner. I believe this is an unfair and malicious tactic to hold consumers funds for 30 days and not give them any way to get their account back or their funds. This situation has been incredibly frustrating for myself and my family as all of my money is in that account that I will not have access to for 30 days, and I have been given no legitimate reason as to why my account was closed in the first place. I want all of my money out of my account immediately! I can not wait 30 days ; I have bills to pay including a sick mother to take care of and I need my money. I know Truist doesn't care about consumers but there are real people behind these account numbers and when you make these unfair practices you hurt the most vulnerable people and their families. I want Truist Bank to be held accountable for the unfair practices of closing of my account within 24 hours of me opening with no legitimate reasoning and then proceeding to hold my money for 30 days!!!! My concern regarding this matter is that Truist can close a brand-new checking account without warning, notification or valid reason and hold consumers money for 30 days, that is not right, and those practices are not fair to the consumers who are trusting this bank with their money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20744
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A