Date Received: 2023-10-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquires on my credit report that I have no knowledge of and/or did not personally authorize.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
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: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: unauthorized withdrawals from debit card in XXXX thru XXXX totalling {$10000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32763
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I sent my fraud report to these companies, letting them know that it was not me that applied on those inquire reports and they still have not done anything about it. I would like these reports investigated and removed once they find out its not mine or I will have to sue them for this inconvience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11550
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On the XX/XX/2023 I received a money for my business since im a XXXX XXXX XXXX XXXX. I receive a payment of XXXXXXXX XXXX from my customer. They put the account on hold until now. I cant do any movement on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75254
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: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: On the morning of XX/XX/XXXX, I checked our local property tax site to see if Truist had submitted our payment for property taxes totaling {$2700.00} by the XX/XX/XXXX deadline. The local government website showed that they had not. This payment has now incurred a penalty of {$130.00}. This now makes the total balance due {$2900.00}. Immediately, I called the Truist customer service line and spoke with XXXX different representatives who both confirmed that we had paid property taxes during closing and they were to be distributed through escrow but had not done so. One representative stated that the first installment would be in XXXX and I corrected them to let them know it was due XX/XX/XXXX. The second representative told me they would take two weeks to research what happened and get back to us. The representative also stated that if the research finds Truist at fault then they will also pay for any additional penalties along with the original balance due. On XX/XX/XXXX, I followed up with Truist who told me the research would now not be completed until XX/XX/XXXX, which is an extra week beyond the original date for completion. Truist also told me that the closing attorney and title company was responsible for the first property payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30033
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: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An Unauthorized Inquiry was reported to my XXXX Consumer Report on XX/XX/XXXX. A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. *USPS Certified Mail : XXXX - Delivered XXXX This Creditor had no Permissible Purpose to obtain my consumer report information. This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. Please Delete/ Remove this inquiry from my consumer reports as soon as possible. Thank You In Advance, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
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: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: We paid off our loan on XXXX XXXX. The car loan had gap insurance and since we paid the loan off early we were due a refund on the gap insurance in the amount of {$860.00}. Per Texas law the bank Truist Bank is required to provide the refund within 60 days of payoff and as of this date we have yet to receive the refund. We have been calling the bank and the dealership and just keep getting the run around from the bank. The contract for the gap insurnace clearly stated that if the dealership didn't send the refund to the bank in a timely manner they Truist would pay us directly and take the funds from the dealership XXXX of XXXX XXXX, well that never happened and we are still waiting for our money. We have talked to several customer service reps at the bank to no avail, they keep blaming the dealership and the dealership keeps blaming the bank. Today again we spoke with XXXX at Truist Bank and she said that because they got the check late from the dealership we won't get our refund until sometime in XXXX. This is unacceptable. Whether the dealership sent the money or not the gap insurance contract clearly stated the bank would send our refund and get reimbursed through the dealership. This has not happened and the bank is in violation we just want our hard-earned money back immediatly at this point!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78634
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: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: I had XXXX in my impact account for a house flood with Truist mortgage. I was able to request the funds from impact to pay off the mortgage however they are stating the insurance company stated they paid me directly for XXXX XXXX that was for months of hotel stays and contents not included in checks sent to Truist my payoff was XXXX and the remainder was mailed with the incorrect amount the only disbursement I received was for the tear out XXXX. There is another missing XXXX XXXX dollars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
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: I was checking my accounts statement I see a few transactions from XXXX which I didnt make. I call my bank to let them know about the problem and I open fraudulent dispute with my bank. Got email today saying my fraud claims was denied without further explanation. I call my bank about the denial the person from the bank just yes my fraud claim was denied I ask for the reason she couldnt give me a reason why it was denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: XX/XX/2023 this company, via a debt collector, took every XXXX in my bank account, my wife 's bank account, our mutual bank account, and our savings account ( {$190000.00} in total ). I was not aware of any suit or judgment against me, let alone aware of any debt that I owed, yet this company was able to obtain a levy against me via the court system in a county and state that I do not live in. I was never notified of any action against me and was not provided any opportunity to dispute the legal action being taken against me. When I contacted this company to question who they were and why they stole my money, they refused to answer my questions. Instead, they asked me for my personal information and also claimed that I had attorney representation in this matter. I do not have any attorney representing me in this or any other matter before any court in any jurisdiction in the United States. We now do not have any money to pay for our mortgage, childcare, food, etc. We have been robbed and this company used the court to commit the robbery and provided no means for us to face the accuser in order to dispute the matter in its entirety. Additionally, I would be more than happy to attach documentation in the section below if I actually had any sort of documentation to begin with. I have nothing from this company. No letters, no notice of legal action, nothing. This was a complete surprise and have no idea what to do other than contact an attorney and sue for restitution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A