Date Received: 2023-10-11
Issue: Repossession
Subissue: Notice to repossess
Consumer Complaint: The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question. In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. This is a breach of contract and an adverse action for exercising my rights. Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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 am very concerned because my credit reports are showing discrepancies. I am a very concerned consumer and want only true information about me reporting. Please remove this inaccuatate information as you are in violation. According to the 15 USC 1681 there should be any damages on my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11692
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Last night at XXXX my account balance was {$100.00}. At close of business day I had a positive balance. When I woke up this morning, somehow, due to 'pending ' items, I had XXXX overdraft fees. Im XXXX. Money is tight. I juggle this account like a circus clown, and keep a close eye on it to prevent a negative balance at close of business day. Did not help me. They will only waive XXXX fee in a XXXX MONTH period, and I already got that privilege back in XXXX due to fraudulent activity on my account. The overdraft fee is XXXX XXXX XXXX. I got hit with XXXX overdraft fees between XXXX and XXXX XXXX. I am literally behind on everything, and due to my vigilance and frugal money monitoring, I did not deserve this. XXXX representative straight hung up on me. The others made it very clear theydid not give a XXXX. Avoid this bank unless you enjoy huge overdraft fees and heartless customer service. I've been fighting back tears all day at work, but at least XXXX XXXX XXXX can keep gassing up the XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have had an IRA account with Truist then Sun Trust for the past XXXX years. I opened the account through an employer, and at that time, it was with Sun Trust. I used to receive my statements until XXXX. About a month ago, I contacted them to transfer my money out of Truist, and they advised me to create an online account to have access to my funds. I created the online account on XX/XX/XXXX, and clicked on 'Documents ' to get my statement. However, I received an error message saying, " Service Unavailable. The service you are attempting to access is currently unavailable. Please try again later. If the problem persists, please call XXXX ( XXXX ). '' I called Truist customer service, and they told me to contact the local branch as my account was with them. When I called the local branch, they informed me that the system should be up soon. However, even after XXXX months, I am still getting the same error message online. I called Truist again, and this time, they told me that they don't know which local branch my account belongs to and gave me the number of the headquarters branch. Unfortunately, there was no option to speak to a real person. So I called customer service again, and they informed me that they do not provide IRA statements online, and I would have to wait to receive them by mail. They also told me that they would need to learn which local branch my account belongs to. Once again, they gave me the number of the headquarters branch, but there was no option to speak to a real person. I am seeking assistance in getting a statement to transfer my money from Truist to another institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90802
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet I feel like Im being take advantage of and ignoredonmydisputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10453
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Truist Bank is refusing to refund any numerous overdraft fees posted to my account due to their lack of discretion on overdraft protection and my refusal to participate in this program in accordance with FDIC regulation. Truist Bank has disclosed to me that they avoid federal regulation by authorizing all transactions and choosing to charge fees on recurring and ACH transactions after the one time purchases and withdrawal amounts have cleared. Truist Bank willing practices harmful, dishonest, and predatory banking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75204
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Last year, XX/XX/XXXX, I was alerted of fraudulent activity on a Truist account ending in XXXX that I was the custodial parent/joint owner on with my daughter, XXXX XXXX XXXX My daughter was physically in XXXX, NC at the time of the fraudulent activity and I was physically in XXXX, NC. My daughter and I separately called Truist to report the multiple fraudulent incidents that were occurring due to her lost debit card. We were told the fraud department would investigate. I physically went into the XXXX, NC Truist Branch location and spoke with a relationship named XXXX, who additionally called their fraud department and requested they look at ATM cameras to complete the investigation. I also attempted to file a police report but was told by XXXX NC Police department and XXXX NC police department that my daughter would need to do this wherever the fraud occurred. We could only see transactions in XXXX, NC and upon going there, they told us we needed to dispute charges with Truist bank. After almost a year of going back and forward with Truist, we were notified by letter that we both were responsible for the over-drafted account in the amount of {$5000.00} and the account charges were sent to a collection agency. I have called Truist repeatedly, being transferred to the fraud department, spending multiple hours trying to rectify this situation to no avail. I am not responsible for fraudulent activity on any bank accounts I have EVER had and need your help in rectifying this fraudulent matter. On XX/XX/XXXX, my personal checking account ending in XXXX was " force debited '' {$1400.00} to which I went to the bank and they say was to cover the charge off account ending in XXXX which was victim to fraudulent activity but an unknown person ( s ). All I have in possession at this time is the information of the account transactions on the bank account and my multiple statements to the physical Truist bank. I can mail this information to you. I would like for our names unattached to this fraudulent activity. I have banked with Truist for almost 20 years and would never attempt fraudulent activity! I have made numerous calls to Truist and went into the office with no one resolving the issue. They simply keep transferring us to the fraud department which either hangs up or gives no answers. My daughter also visited Truist bank in XXXX, NC where she was residing at the time and called repeatedly with no resolution as well! There has been no follow up to us and we have been charged for someone else 's fraudulent activity against our joint account. I would like all money that we deposited or internally debited from us by Truist returned to our accounts IMMEDIATELY. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 273XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: A SunTrust/Truist representative agreed that if my balance was paid in full they will not list my account as a Charge-off/Collections. However, after reviewing my credit report it is showing that I have a Charge-off/Collections from SunTrust/Truist. I spoke with a SunTrust rep months before making my full payment in XXXX of 2020 and they assured me if paid, it will not be listed as charged-off. However, after recently speaking with a rep from Truist and she informed me that the following month of XX/XX/2020, my account was labeled as a charge-off. I feel like I was lied to and mislead by the company. I have submitted a complaint with the XXXX. I also filed a complaint with the company to no avail. The only thing the company did was update my account. I also don't understand why they would list this as a charge-off if they received payment and it didn't go to collections. Please help me understand this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
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: I used my Truist card and a few other credit cards to pay a merchant to build me an e-commerce store. They took my money and did no work and refused to provide any evidence they did the work. I filed chargebacks against this merchant on the grounds that " no services were provided ''. XXXX, XXXX XXXX and XXXX XXXX easily resolved the case in my favor as I have plenty of evidence but Truist refused to do so. They did not disagree with me that the merchant did no work but said that my Credit Card Account agreement requires that I initiate all disputes no more than 60 days after the relevant charge appeared on my billing statement. The ordinary time limit for this XXXX chargeback code is 120 days XXXX XXXX XXXX XXXX ) The merchant 's charges for XXXX and XXXX ( for a total of XXXX on my Truist credit card ) were on XX/XX/XXXX and XXXX, 2023. I initiated the chargebacks on XX/XX/XXXX, within the 120 day period that applies to this chargeback code, but not the 60 day period Truist claims applies. When Truist denied my chargeback on the grounds that the 60 day period applies as per the Credit Card Account Agreement, I read the agreement and did not see the 60 day period in it. I asked them to provide me the agreement and the relevant provision. They could not find it. I called again and they said they would mail it to me in 20 business days. No contract was mailed to me. Finally I indicated I would take this to arbitration and Truist 's external law firm got involved. They too could not find the contract at first and eventually emailed me a credit card billing statement. In very small letters at the bottom of XXXX, you can see the 60 day rule. I do not believe this is a contract. There is no meeting of the minds here as I did not agree to this 60 day rule. Writing the 60 day rule in small print at the bottom of a billing statement is not legally binding the way a clear contract is. Truist 's denial of my dispute should be reversed as there is no relevant provision of the Credit Card Account Agreement- the actual contract that applies to the credit card I used. I have spent more than 7 hours trying to get Truist to resolve this and they refuse. I should not have to pay {$2000.00} to take this to arbitration. Truist should be ashamed of themselves and resolve this dispute in my favor here and now. Moreover, to be fair, the 60 or 120 day rule should only be applied when it became clear the merchant was in error- not when the charge appeared on the billing statement. If a merchant commits to complete a project more than 60 days after the charge appears, the customer may not know the merchant failed to deliver the service until well after the 60 day period and thus may be unable to file a " services not received '' chargeback, thus rendering the chargeback completely useless. This makes no sense. The clock should begin when it is clear there is an error, not when the charge appears on the billing statement. I have attached Truist 's denial letter citing the credit card account agreement, the billing statement in which the 60 day rule appears, and the actual credit card account agreement that has no mention of the 60 day rule.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33594
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A