Date Received: 2023-10-09
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I attempted to open a Truist One Checking account on XX/XX/XXXX, I believe using the promo code XXXX, which should have granted me the opportunity to earn a {$400.00} bonus for opening a new account with Truist, as long as I made two or more qualifying direct deposits in 90 days totaling at least {$1000.00}. I received an error when trying to apply for the account, and so continued the application the next morning ( XX/XX/XXXX ), and successfully opened the account. I made an initial funding/money transfer of {$50.00} on XX/XX/XXXX, but to ensure the terms of the bonus, I chatted in the Truist app with a representative on XX/XX/XXXX, and asked questions about the bonus and my initial funding, mainly surrounding that I initially funded with the {$50.00} through XXXX, and to ensure I would still be on track for the qualifying. I also asked about the direct deposit requirements, ensuring that XXXX {$250.00} deposits would qualify me. I then contributed {$250.00} from my paychecks on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, totaling {$1000.00}. When I did not receive the bonus, I chatted again through the app ( XX/XX/XXXX ), and asked about if I had met the requirements for the checking bonus. The representative did not see my account listed in the Promotions center, and mentioned that I should have received an email within 10 business days of opening the account for enrolling in the Promotions Center. I received no such email, to which the representative responded they are sorry but I was not successfully enrolled in the promotion, and so I am not qualified for the the bonus. I requested to speak to a supervisor, who then called me later that day, and said that she noticed the oddity from when I was applying and said that she would take it up with the Promotions team, and that they should be able to research the situation/help me out, and that she would call me back by the end of the next week ( XX/XX/XXXX ). I received no such callback, and so I called myself on XX/XX/XXXX. They mentioned having a note on my account for a callback, but given I did not receive XXXX, they said that they would call me back by the end of that week ( XX/XX/XXXX ). Again, I received no such callback. So I called again myself on XX/XX/XXXX, requesting a update on my request, and why I was not receiving any callbacks. The representative mentioned that the it could take up to XXXX business days from when my request to the XXXX team was submitted for an answer. So I confirmed with the representative, that XXXX business days from my initial call on XX/XX/XXXX ( where I first spoke with a supervisor that would raise the issue ), would be XX/XX/XXXX ( which actually was XXXX business days, but wanted to give them a buffer to ensure an update ), and I should receive a callback/or could call back myself for an update. After not hearing anything anything by XX/XX/XXXX, I called back on XX/XX/XXXX to request an update. They claimed that the request to the Promotions team had not been submitted when I initially called on XX/XX/XXXX, and that it had actually been submitted later, to XXXX XXXX that XXXX business days would put me at XX/XX/XXXX or XX/XX/XXXX, and I should receive a callback at that time about the XXXX. I again did not receive any such call back. So I called them again on XX/XX/XXXX, and was informed that I should have been submitted to be enrolled in the Truist offers, and that it would take up to XXXX business days for me to receive an email about my enrollment, which would mean I should receive an email by XX/XX/XXXX. I still have yet to receive such email. And so finally I called them today XX/XX/XXXX about not receiving a callback or update, and if there was any notes on my account about this matter, and they had no information about the enrollment, callback, or anything related to my numerous calls. This leads me to believe that I have just been given later callback dates in the hopes that I would give up/forget about the issue. I have never received a callback from Truist, I have always had to call them on my own, and every time they had some excuse for why I haven't received XXXX, or any update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2023-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue: Application denials
Consumer Complaint: My principal applied for a mortgage loan at Truist on XX/XX/2023 and was unlawfully denied. Regardless of the reason of the denial, I have the right to credit. Withholding access to my securities, is security fraud, extortion, trust fraud, breach of contract, interference with commerce, malpractice, breach of fiduciary duties, etc. Truist Financial are violating the Equal Credit Opportunity Act as well as the Consumer Credit Protection Act ; the very same laws that the corporation tells us they abide by. Since you are denying access to my securities and credit, please retract my application and stop profiting off of my securities without my consent. I believe my security ( the application ) was securitized without my knowledge and consent. I have sent the CFO ( the federal reserve agent ) of Truist correspondences and tenders, specifically a Notice of subrogation on XX/XX/2023, Unauthorized Denial of Mortgage Loan and a durable power of attorney on XX/XX/2023.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-10-09
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 status incorrect
Consumer Complaint: Trusit Bank Loan Number : XXXX, Borrower : XXXX XXXX XXXX I am the Borrower in the above mentioned Loan, there was an issue related to Escrow fund related to Property Tax which was going on with the Lender since XX/XX/XXXX onwards and subsequently this matter was resolved on XX/XX/XXXX, wide CFPB Complaint number : XXXX dated XX/XX/XXXX. Summary of the present Complaint : Lender - Suntrust Bank [ now known as Truist Bank ] reported negative remarks against my Credit Report based on the above issue. I disputed the above negative remarks and the Lender XXXX refused to remove the same from my Credit Report. After carefully reviewing the same, I noticed the following irregularities and discrepancies in the Credit Report and the amount reported by the Lender to IRS. The negative remark reported by the Lender is factually wrong, incorrect and misleading based on the following facts : 1. There is no delayed payment of 90 days as reported by the Lender which is clearly evident from the Exhibit A, i.e. Online statement by the Lender for the year XXXX XXXX. Based on the Exhibit A Lender failed to report the Original Interest paid by the Borrower to IRS. Please refer to Exhibit C 1098 provided by the Lender. The Statement shows an amount of {$4900.00}, paid by the borrower as the Interest for the year XXXX. The actual interest paid by the Borrower is {$5600.00} [ XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX cents. XXXX. It is a true fact that the Lender paid Property Tax for the year XXXX on XX/XX/XXXX and the borrower repaid the full amount the same day itself. This is clearly evident from the Lenders monthly statement of XX/XX/XXXX. XXXX. Under the pretext of the above, unilaterally in a hasty manner, Lender tried to foreclosure the property without the consent, knowledge and permission of the Borrower and various wrong entries were made during this process. 5. The inadvertently committed erroneous entries from the Lenders side were corrected /rectified by the Lender XXXXng the process of resolving the issue in the original Complaint, XXXX XXXXXXXX dated XX/XX/XXXX. Please refer to XXXX XXXX the online statement from the XXXX side, dated XX/XX/XXXX which is self explanatory. In view of the above, there is not even an XXXX of evidence to prove the delayed payment of 90 days from the Borrowers side. The scanty and sketchy allegations with baseless lengthy explanations can not be used as a cause for reporting negative remarks against the Borrower, whereas the Lenders failure to report the actual interest paid by the borrower is a serious matter. The negative remarks reported by the Lender is totally absurd, excruciating and intending to tarnish the Credibility of the borrower.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I am new customer to Truist bank, since i opened this account, it has been truly a nightmare. I was approved for two different card that were sent out to my current address that was also listed on the application when i received the card i was unable to use them due to the cards being linked to an old address from over 10years ago, so i went through a fraud questionnaire with multiple agents then the cards were unlocked i asked to have all other addresses removed other thank the current one where the card were sent to and i was told they were removed as i went to make a purchase a month later the card were so how locked again and all information was back to my old address, once that was fixed ... ..3months later i went to redeem my rewards on XX/XX/XXXX through the app requested to have a check sent out email provided me with a processing # and said tht check going to be sent within 10 day but allow up to 3 additional weeks, so i waited a month never received anything so i decided to call and i was told they never even processed the check and they will be opening a ticket to have one sent out to me and to allow another 5-7 day before a receive it so a week went by still no check called again spoke to 2 other reps on two different day and was told the ticket was still in processing so i ask to speak to a supervisor they told me the same thing so i waited another week to called and this i spoke to a supervisor and i was told they sent a check out on XX/XX/XXXX after i redeemed the chk and they couldn't send another out until they get info on the first check and she told me she would f/w once she have an update that never ... .. SOOO i reached out to to them today to get an update myself and i was told they couldn't help me because I closed my account which i never did and they couldn't tell how the account was closed. So, i am not quite sure if i will ever see my rewards or received information on who actually closed out my account without my permission this is illegal, and this company need looked into IMMEDIATELY!! I am also requesting that the company pay me for my time spent as well as the pain and suffering they have cause me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 443XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-09
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My name is XXXX XXXX. I currently have a loan with regional acceptance. I have been receiving at least XXXX calls after hours which I thought was illegal. XX/XX/XXXX at XXXX am ; there were also XXXX calls after XXXX XXXX which I do not have dates for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66502
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: have tried multiple times to resolve the inaccuracies on my credit report from this bank and no results, furthermore 15 usc 45 b -unfair methods and consumer review protection. 15 usc 1681 inaccurate credit reports directly impair efficiency of the banking system The CARES ACT prohibited late payments to be reported to consumer reports and required banks to provide relief options to consumers i was never made aware of the assistance this law provided and resulted in several late payments with multiple accounts i am requesting that these late payments be updated to current and or delete the accounts from my credit report. Acct :XXXX please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXX please remove all late payments or delete acct Acct:XXXXplease remove all late payments or delete acct
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
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: Truist Fraud Management Claim No XXXX XXXX On the ATM/ Check/Electronic Check error Resolution Form there was a mistake where the sender pre-typed some wrong information. I was sent this form and was asked me to fill out the unmarked items, after looking over the form they pre-typed on line # 5 that I had my PIN # written on the back of my card. I did not put that there and they would not let me refute the claim or ask any more questions. I wanted a through investigation of the initial phone conversation when I made the claim. I do not recall answering question # 5 saying that my pin number is on the back of my card. I also went into the branch to make a claim and it wasn't submitted correctly so it delayed my claim for two weeks, i would also like that investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Truist Bank sends me letters on a monthly basis to tell me that I do not have homeowners insurance. I sent them proof from my insurance broker who sends them updates EVERY SINGLE time they send me a letter. They correct it for a few months then they send me another letter to say they will automatically purchase policies for me when I'm already insured. Then even after providing proof they still purchase a {$22000.00} policy and my mortgage payment goes from {$5600.00} to {$9000.00} without any warning and I'm told I now owe overdraft fees. Who is going to hold this company accountable for fraudulent business practices? I have to provide proof of wind, flood every 3 months - Why? I have every single letter they've sent me and can provide these as proof including all the policies they purchased for me automatically. I would not recommend anyone bank with Truist or obtain a mortgage from them as they clearly practice fraudulent business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I've had a business account for several months now and they keep holding my check deposits for unreasonable amounts of time. I have deposited numerous checks there and they have cleared every time. One monthly check deposit {$2900.00} is the same amount every month and always clears. Yesterday, XXXX I deposited the same type of check with the same amount {$2900.00} along with another check for {$3900.00}. Both business banking checks. Truist Bank alerted me that they are holding this for 12 days. I've worked really hard to start up my small business and Truist is going to cause me to lose it. Every time I talk to the bank, no one has the authority to do anything about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: On XX/XX/XXXX or XXXX, my local branch ( Truist ) called me saying I needed to sign another document from a HELOC we closed on XX/XX/2023- so it is now 6 months later... I found this odd as I have received no official notices from Truist ( mail, e-mail, or otherwise ) stating that there was missing paperwork. Because of this, I asked them to send me a copy of the document to review. I noticed it said page XXXX of XXXX and since they need it notarized I asked to see the other XXXX pages as I don't anything resembling this paper from our loan agreement, etc... When I asked a few questions I was told they only have one page and received a voicemail from the Branch Manager telling me " I have to sign it '' Prior to coming in ( during the week of XX/XX/2023 ). I asked these questions via email : XXXX ) usually if something was missed, we would have received something from Truist within 30 days and definitely before 90 days - why are we just hearing about this 6 months later? XXXX ) the document you sent says page XXXX of XXXX, and when compared to the papers we left the office with im not seeing any corresponding paperwork that matches what seems to be XXXX pages. Can you send me the other pages to compare to what we have? XXXX ) because we havent ( at least to my knowledge ) received any official notice from Truist and Im not seeing anything similar in our copy- this is making me feel like this is new documentation or something that wasnt included originally, which I hope we arent being asked to sign new documentation 6 months later ( hopefully seeing the other pages will help me see if I overlooked something in the documentation we have ) XXXX ) why is nothing showing in file with the county clerk? Am I not looking correctly? I received no response regarding these questions via email other than " The only thing I was inform to do was notarized this documentation ''. I need to know what is going on, why I can't get any answers and why no official documentation from Truist has been sent.
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: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A