Date Received: 2023-10-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2022 Hard Inquires was pulled from my Credit Report from XXXX XXXX, XXXX XXXX XXXX without my consent. I sent letters XXXX months ago to the consumers asking for verification & have not got any response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: I'm planning to refinance my HELOC with another bank. I have requested a payoff statement from Truist Financal Corporation 3 times via written request ( XXXX XXXX XXXX ) and once via phone XXXX I was told on XXXX that the previous requests were rejected and a statement could be mailed. As of XXXX no statement has yet been received. 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: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XXXX I had to get bank statements for XXXX. My mother trying to get into a XXXX XXXX They were statements for XXXX XXXX XXXX Totaled 53 pages Truist bank charged the account 3 times for Research charge on XXXX One for {$240.00} One for {$140.00} one for {$120.00} Total {$500.00} I think this is extreme for a XXXX XXXX XXXXXXXX XXXX XXXX I think that is totally taking advantage Please help Fixed income
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: 2023-10-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I requested a transfer of {$2800.00} to Truist Bank checking from a verified external XXXX XXXX XXXX account owned and named by myself at XXXX XXXX on XX/XX/23 and received electronic confirmation with time stamp. I was informed that the money would be in my account in 3 business days. XXXX XXXX XXXX sent the {$2800.00} on Thursday XX/XX/23. I spoke with a Truist representative at XXXXXXXX XXXX and XXXX XXXX on Friday XX/XX/23 and was told that the request was still processing and should be in my account by close of business. The transfer was not made as specified on Friday and did not post during the weekend.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This all occurred from XXXX with the majority happening in XXXX. I banked with Suntrust who is now Truist since I was a child ( well over 10 years ). The pandemic turned my life upside causing financial turmoil for me as well as millions of others which resulted in some overdrafts on my account due to bills and such. Suntrust continuously charged fees to the point I was unable to catch up. Each of my paychecks was eaten up by fees causing more overdrafts as bills payments hit my account. It was a vicious cycle. I was getting nfs and late fees on top of other fees and then fees on bills being unpaid. When I originally opened my account, it was connected to my parents account since I was so young. I ended up so behind, Suntrust took all of the money out of my parents account and just closed mine. This happened when they were leaving for vacation for a week with my niece. I ended up moving back in with my parents, losing my job due to the XXXX and stress being caused by this, and had to declare bankruptcy. I tried working with Suntrust multiple times. They did waive a few fees randomly but it didnt help. They wouldnt even let me pay fees to catch up and just stop extra fees from adding so I could catch up but they refused. I even had an agent confirm on a call that I had 100 % signed up for overdraft protection a long time ago but then after that other agents acted as if I was crazy. I had no idea I could submit this complaint and that Suntrust would actually listen or I would have done this already. I now have to use prepaid checking accounts and have no credit due to the bankruptcy. I can provide my old account number and my info if needed. I am also trying to pull the bank records from suntrust but I know they can see it all with just my account number and personal information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30736
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: My email and phone number has been compromised Truist on XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all with unauthorized transactions Email, phone number, Social Security numbers, logins and passwords. Have all been compromised. Please HelpMe
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27028
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem when making payments
Subissue:
Consumer Complaint: In XX/XX/ we replaced a furnace in my home, and used Service Finance Company to finance the loan. I was originally told that is would be 18 months no interest no payments. XXXX documents were sent to me and I signed. Fast forward to XXXX XXXX XXXX I called the company that installed my furnace to tell them I have not received any statements or bills from the company. They told me that omce the job is done and they are paid that they dont have anything to do with the finance, and they gave me a number to call for the company that did. My wife called the same day, on XX/XX/XXXX, and told the company we never received a bill and was hoping they could send us something. Because her name was not on the loan, they would not discuss anything with her. We at this point assumed that there must not be a bill because payments were not due yet, and that obviously if something was due they would call back or send something. FAST FORWARD to XX/XX/XXXX. I am in the middle of refinancing my mortgage, and my mortgage broker alerts me to a delinquent account showing on my credit report. Apparently, after not receiving a bill and having NO CONTACT from the company, they put my loan into collections and charged it off. My currrent bills are approximately {$20000.00} a month. I would NEVER let a payment of {$140.00} completely wreck my credit. This makes XXXX sense. My wife and I have 100 percent on time payments for all of our bills. The company said that we had a 3 month no payment, not an 18 month. Regardless- we NEVER receieved a bill or any form of communication from them regarding this. This credit charge off is preventing me now from refinancing my mortgage and consolidating my debt. If I was going to intentionally go late on a bill I would have likely chosen one that would make a differnce, not a {$140.00} payment! No one at Service Finance Company is willing to help. I did speak to one employee who was trying to be helpful and said her manager would call me back and no one ever called. I am at witts end, I need this resolved and I dont know where else to turn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 077XX
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My home loan was sold to Truist. I had been paying every 2 weeks when I was with XXXX. In XXXX I was informed by my bank that Truist had sent my payment back. I called Truist to ask why. I was told there had been a glitch and that I would not be charged a late fee nor reported. I made payment. I started receiving info from credit cards that my credit had now been rescinded due to late property payment. I called Truist, was told they do not honor bi weekly payment I had with XXXX XXXX. I asked why I was not informed and was not given an answer. I was asked if I wanted to file a complaint for correction. I said yes. I was told it would " probably '' be denied. I received a letter denying my request. I have the letter from the bank saying they sent back payment. In addition, since I pay bi weekly there should have been money in the holding account that could have been applied. Truist has now sent me paperwork for people who can no longer make house payments despite the fact my payments are up to date. PLEASE stop them from harassing a hard working single mother.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2023-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have reached out to XXXX XXXX XXXX at Truist Banking which he did call and I went to see him to submit my court-certified POA paperwork pertaining to my mother. XXXX XXXX stated after a week that the paperwork was denied because the paperwork was not in the correct order. he said someone else has power of attorney over my mother which is impossible due to the fact that she has XXXX, I have been her POA since XXXX and the court has not revoked my paperwork. I tried contacting XXXX XXXX by phone and by email and have not received a response on this matter. I have asked for the denial letter from the company as he stated it was not accepted and to take it back to the courthouse in XXXX XXXX and they might provide me a letter. I am requesting that this bank freeze her account due to the mishandling of her funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I have a credit card with Truist ending in XXXX which in XXXX I enrolled it with other credit cards into a company called XXXX XXXX which works with my lenders and settles my debt. I also have an checking account with Truist XXXX which I pay my other bills from I also was injured and lost my company and now am on XXXX so I get paid once a month on the last XXXX Now over night on the XXXX day of XXXX The Truist Recovery department Ran by XXXX XXXX took {$1000.00}. out of my account without my knowledge nor did I get a receipt or a document letting me know this was going to happen. The also took {$1500.00}. Out my same account on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 339XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A