Date Received: 2023-10-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Below is the last message I sent to the company to request an investigation into why they reported me as " late payment '' when I have been on their mortgage relief program this whole time : " This is the third time I am submitting to get my case looked into, and I don't think anyone has been looking into my record with Truist to see that my credit has been badly impacted due to a mistake made by Truist. I am an XXXX XXXX looking to get an apartment in XXXX due XXXX military orders, but I can't because of what you have done to my XXXX XXXX. You have dropped my score ( which was excellent ) by XXXX point since you erroneously reported me as XXXX XXXX late on my payment. Here is the situation, and you can look at the notes on my account to verify this : Ever since I completed my first trial plan, Truist took forever to send me my paperwork so I was making my monthly payments via phone call. Something I didnt like so I called many times to complain about it. You finally sent me the paperwork, I signed it, and returned it back to you ON TIME. Still my account was not release to allow me to set up autopay. I called again and I was made aware that TRUIST made a mistake on the calculation of my monthly payment, and that they were going to send me new documents for my signature. There was nothing I could do about that so I said ok to it and waited months to get it. I was calling EVERY single month to get a status update on this document because I was getting tired of making phone payments. In XX/XX/2023 I saw a negative impact on my XXXX XXXX, looked into it and found out that TRUIST has reported me as XXXX XXXX late on my payment. I called and I was told that I have been removed from the forbearance plan because the document I have been waiting on was delivered to my address on XX/XX/XXXX, and that you did not get it back on time. Meanwhile, I had called on XX/XX/XXXX to make a payment and inquire about this same document, but I was told a certain department is making a correction on it and will send it when they are done. All this can be verified by looking at the notes on my account. I called my wife who is currently at my residence in Virginia but she said she never received any package. I stayed in constant contact with TRUIST to get this issue resolved but was told that they were going to request that I get put back on the program since this was not due to my fault. They also told me that the credit issue will be resolved after they put me back on the program but it was never resolved after getting back on the program. My account only went from late to current. My XXXX payment still shows 120 days late. I wish I could explain the hardship you are putting me through after being with this bank for so many years and havent missed a single payment. I was the one calling ( not the bank ) to get off the forbearance program when my financial hardship got better during the XXXX time. I believe I did everything possible to make my transition from the program as smooth as possible, but the bank failed in 1 ) their calculation on the first modification document, and 2 ) providing me with the correct information about the second loan modification document whenever I called to inquire about it ( especially my call on XX/XX/XXXX ). To be honest, I dont even know why I am on a trial plan again after showing ( I have been on it before ) and telling you all ( via phone conversations ) that I can make my monthly payment. I am kindly requesting that someone please look into this issue ( i.e my call record, notes on my account ) and help me resolve this issue so I can get a place to stay for my time here in XXXX. Thank you ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: 1. On XX/XX/2023, I opened a checking account at Truist Bank with a deposit of {$50.00} ( page XXXX ). 2. On XX/XX/2023, Truist sent me a letter stating that my account ( ending XXXX ) was being closed ( page 2 ). I verified that the account was closed because the direct deposit of my salary was returned. 3. On XX/XX/2023, Truist sent a letter to collect {$52.00} for the overdraft and closing fee ( page XXXX ). This makes no sense because my account was closed on XX/XX/2023. They have not even refunded my initial deposit of {$50.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47401
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
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: 33615
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: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I made two large payments to both of my closed accounts with TRUIST in XXXX and the statements closed with these payments being applied, but neither of these closed credit cards have reported the balance to my credit reports since XXXX, 2023. I have attached both statements showing the new balance it should have reported to my 3 bureaus already. This is affecting me from getting a HELOC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33317
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I don't recognize the inquiries so I couldn't explain, I just know their causing damages to my credit worthiness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36303
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I was in a very uncomfortable situation on XX/XX/2023 and was vulnerable with sharing my personal information with Regional Manager in Central Florida ( XXXX XXXX ) and his assistant XXXXXXXX were slow to respond and disrespectful after I was about a situation in XXXX. I'm not sure if he actually spoke with the Fraud department at Truist and he informed he would do his best to help. This was the supposed claim number XXXX XXXX XXXXXXXX ) for my checking account ending in XXXX copied directly from the Truist email on XXXX XXXXXX/XX/XXXX at XXXX XXXX. I received a phone call the following XXXX afternoon with an unhelpful answer and abrupt demeanor. I even brought this information to a local XXXX XXXX XXXX agency who suggested I contact XXXX in XXXX who referred me back to the local XXXX XXXX. Since this situation in XXXX, I have needed to contact Truist multiple times for password resets since their website is so unreliable as is the application on my phone after reinstalling it multiple times and I was referred to their 800 number ; XXXX where I have to start fresh and explain again who I am. Some attempts are twice in XXXX day as an example on XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, and more recently this week, XXXX. XXXX XXXX XXXX in XXXX XXXXXXXX XXXX on XXXX XXXX lied to me in person to get me out of their office and I hope this document is not a waste of time and I plan to close my account as soon as I can. I was blamed for my name being spelt wrong in the XXXX branch by a female manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: In XX/XX/XXXX, I received a notice in the mail dated XX/XX/XXXX that my Truist loan payment for the loan ending in XXXX was late. This loan was taken out in XX/XX/XXXX, and the payments had been autodrafted from our XXXX checking account every single month until they mysteriously stopped drafting in XX/XX/XXXX. I contacted Truist customer service the day I received the notice and spoke with a representative who told me his name was XXXX. I explained the situation to XXXX who told me that when I set up the automatic payments, I must have not set them up for the life of the loan and that I must have put an end date on the autopayment that did not match up to the maturity date of the loan. This is absurd and absolutely not true, and I feel that this has more to do with Truists acquisition of my car loan and inability to transfer systems and accounts. He then told me the only way to set up automatic payments is to fill out a paper form and mail it in to Truist. I explained that this was also ridiculous because the payments had been autodrafted for OVER TWO YEARS until Truist stopped processing them in XX/XX/XXXX. I made a payment over the phone with a transaction date of XX/XX/XXXX, and XXXX agreed to waive the late fee of {$12.00} for the late XXXX payment. I then went online to the Truist website and verified that the account was set up to autopay from my XXXX account. On XX/XX/XXXX, I received an email from XXXX XXXX XXXXXXXX with the form that XXXX said he would send me. This form had the requestors name as XXXX XXXX which is not the person I spoke to about generating the form. Even though I had verified the autodraft information online, out of an abundance of caution, I completed, signed, and mailed in the form. The XXXX loan payment was autodrafted from my account on XX/XX/XXXX and included the late fee from XXXX that was supposed to be waived. I WANT THIS AMOUNT CREDITED BACK TO MY ACCOUNT AS PROMISED. A week ago, I received another notice of a late payment due dated XX/XX/XXXX. I dont understand how it is possible that Truist can debit my account for 2 years, stop suddenly, resume for XXXX month, and stop again. I have verified with XXXX that every payment Truist has received since XX/XX/XXXX has been an ACH transaction initiated by Truist. Other than the one payment I made by phone on XX/XX/XXXX, I have never called to make a payment nor have I written a check and mailed it in for this loan. At this point, I am furious and strongly believe what Truist is doing is a violation of banking laws in an attempt to charge more interest and fees on my car loan. I am making formal complaints against Truist with the appropriate federal agencies. In the meantime, I want the XXXX late fee credited back to my account as well as any additional interest which has accrued on my loan as a result of the charge of two separate late fees. I am sending a letter again today with the information included above and enclosed another copy of the ACH form I SUBMITTED ALREADY as well as a printed monthly statement with the section completed for ACH payments. Also enclosed in this letter is a check in the amount of {$500.00} for the XXXX and XXXX payments due minus the late fee for XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: So I had a Truist account that has now been closed due to a check transaction not made by me and have called Truist over multiple time in regards to this transaction and now i currently cant open up any account due to this mistake made by them Im currently in a rough spot not knowing how Im going to get my paychecks for future dates to come
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32305
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I have way too much money in my checking account and made a payment to my credit union to move {$500.00}. The transaction was complete in 16 hours. I then tried to make a payment to the same account for {$100000.00} and the soonest date they offered was XXXX or later when it was XX/XX/XXXX. I didn't like it, but went through with the process thinking they are just trying to make loans with my money with the avg cash on hand. XXXX XXXX XXXX but not too bad. Well, on XX/XX/XXXX the payment shows as processed and the money is still in my checking account and still shows in my balance. I will note that it doesn't show in recent transactions. Just as processed under bill pay ( see screen shots ) On XXXX at XXXX, the money still shows in my checking account but says it is processed. I chatted with an agent and they played XXXX and said they didn't see any of the transactions. I have screen shots of everything on my end. I know I am out a weeks worth of interest, but more than that, this is unethical to tie up my money for this long and show the transaction as completed and still in my account. And I wouldn't be complaining if it were to show up on the other end, but its not there. So, I group this like XXXX XXXX opening fake accounts and they need to be exposed. Please audit them and I am sure you will find this as a normal practice and please hold them accountable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XXXX was charged overdraft fees on 3 items 2 where less than the fee as low as {$5.00}. They where able to do this because they removed funds from a higher payment first causing my account not to have enough for lower payments. I also electronically deposited funds but they added next dat saying pending
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: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A