Date Received: 2024-02-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My son works for a small business and has received paper checks XXXX. He signs check to me, I sign and deposit in my checking. I help him with his childcare and expenses. We deposited another paycheck for {$700.00} ( with business LLC + phone on check ) into my checking via ATM at local branch on XX/XX/year> as usual. Bank added XXXX to account, held XXXX - as usual - until next business day - XXXX. On XX/XX/XXXX I received an e-mail that they are " delaying the availability of XXXX '' " This delay has been effected because we believe the check may not be paid for the following reason ( s ) : WE HAVE CONFIDENTIAL INFORMATION THAT INDICATES THE CHECK MAY BE RETURNED AND MAY REQUIRE AN ADDITIONAL REVIEW. '' On the XXXXXXXX XXXX my son asked his boss if the check had any issues. His boss showed him on his phone that the check had cleared his account. My husband called the bank on Thursday when the funds still were not in the account and it was at risk of overdraw. The person and supervisor reference some paragraph in some document that 'they have the right to hold funds for 7 to 10 days '. The check having cleared YET THEY CONTINUE TO HOLD THESE FUNDS FROM US FOR ANOTHER 7-8 DAYS!!! These fund are due to become available to us on XX/XX/XXXX- which is OBSCENE and should be illegal. Fortunately we have means but if we didn't - this would've been catastrophic! I feel any family without our options who are subject to this!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27587
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX, I discovered two unauthorized hard inquiries on my credit report from Regional Acceptance and XXXX XXXX XXXX. Hard inquiries typically happen when applying for credit. Unauthorized ones raise concerns about potential fraud or unauthorized access to my information. I plan to dispute these inquiries with the credit reporting agencies and take steps to protect my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78758
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
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 contacted BB & T to dispute a charge on my credit card dated XXXX in the amount of {$160.00}. Claim XXXX. Several weeks later, I noticed they issued a credit but than charged the card the same amount again. I contacted BB & T again on XXXX and was told that is just they way there system is ; I was assured they were still investigating, and the matter would be resolved. On XXXX, I called again and was told again, they were still investigating. I pointed out that it had been almost 3 months. I was assured that they would have final resolution by XXXX. The erroneous charges still appeared on my statement; on XXXX, I contacted them and spoke to a supervisor who stated all she could do was submit a request to escalate the matter and indicated I should hear something back in several days. I followed up on XXXX and was again told it was still being investigated. Each time I called to a ridiculous amount of time and effort to reach someone. I was transferred and disconnected numerous times. BB & T never initiated contact to update me on the matter. Even the supervisor was unable to provide anything more than request that the department investigating the matter address the matter - no response. As of the filing of this complaint, XXXX, almost 4 months later, BB & T has failed to address this matter or tell me what is happening with the dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78212
Submitted Via: Web
Date Sent: 2024-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: LightStream Attention : XXXX XXXX XXXX, Client Resolution Specialist Subject : Urgent Reevaluation and Correction of Erroneously Reported Late Payment Dear XXXX XXXX, I am writing to you once again concerning the persistent issue of a late payment erroneously reported to the credit bureaus, an issue I have brought to your attention on multiple occasions in XXXX, XXXX, XXXX, and XXXX. Despite my efforts to resolve this matter, including engaging in discussions and providing evidence to support my claim, I find myself compelled to address it yet again due to the lack of a satisfactory resolution. As previously detailed, the root cause of the disputed late payment was a technical malfunction on your website, which prevented me from modifying my loan terms. Despite my repeated attempts to rectify this through your recommended channels, the problem persisted, leading to the undesired late payment. My requests for your website server records for XX/XX/year>, specifically to demonstrate the functionality of your loan modification feature, have been met with responses that sidestep the core issue. Instead, you provided irrelevant data pertaining to XX/XX/XXXX, a period not in question. Further, As of today, XX/XX/XXXX, I am facing further complications ( See Screenshots ). Your portal clearly indicates that I am unable to apply for a loan modification, displaying a message that my payment is past due, despite my account being set up on autopay. This discrepancy is not only perplexing but also deeply concerning, as it suggests a failure in the system that manages payment processing and account status reporting. The implication of such an error is significant, affecting my financial credibility and potentially my credit score. This sequence of events prompts me to question whether these ongoing issues are a form of retaliation for my persistent inquiries and efforts to rectify what is clearly an error on LightStreams part, or if it is indicative of broader systemic failures within your website and account management systems. Your recent correspondence, while apologetic about your failure to reach out by phone since my initial contact in XXXX last year, does not address the crux of my grievance. The apology, though appreciated, does not rectify the ongoing damage to my credit history resulting from this inaccurate reporting. Given these circumstances, I am once again requesting the following : Immediate Correction with Credit Bureaus : That LightStream takes swift action to correct the erroneous late payment report with all relevant credit bureaus, reflecting the true nature of the circumstances that led to the payment issue. Provision of Requested Records : The provision of server logs or any other applicable records for XX/XX/year>, explicitly showing the operational status of your loan modification functionality. This information is crucial for substantiating the claim that the fault lies with the website 's functionality and not with user error. Documentation to the Contrary : If LightStream maintains that the error does not exist or that the website was fully operational, I request that you provide concrete, reasonable documentation to counter the evidence I have provided, including screenshots of the portal malfunction that I have provided in my previous requests. Formal Review of Client Resolution Process : Considering the repeated miscommunications and apparent reluctance to address my concerns adequately, I kindly request a formal review of the handling of my case, with a focus on improving customer service and dispute resolution processes. I trust that LightStream values its customers and their financial well-being. Therefore, I am confident in your commitment to resolving this matter promptly and fairly. Please understand that this issue is of great importance to me, as it affects my credit score and, consequently, my financial future. Thank you for your immediate attention to this matter. I am eager to resolve this issue amicably and look forward to your swift response. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02155
Submitted Via: Web
Date Sent: 2024-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, truist bank decided to close my account and I was told I would be getting the balance of the funds in a check form. It's been XXXX months now and Truist is still unwilling to release the check to me despite my account being closed. The account balance is around XXXX. I have attempted to contact truist at a weekly basis in an attempt to retrieve my funds and Truist have been unwilling to send me the check to release the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76011
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I XXXX XXXX writing a complaint about inquiries and bank accounts that were not placed or opened by me and requested that these accounts be immediately removed and deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33823
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I was told by a Truist representative that they mailed my check on XX/XX/2024. It is XX/XX/XXXX and I still havent received a check for the funds of the account they closed without a notice or telling me the reason it was being closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33060
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: In reference to complaint XXXX Truist bank opened my account and closed it then sent me a letter saying I will receive funds in 30 days that was XX/XX/2023 I did not receive any checks from the bank I called was told check was sent on XXXX and no one was home. I asked for it to be sent again. I called on XX/XX/XXXX I called on XXXX I called on XX/XX/XXXX I called XX/XX/XXXX I called XX/XX/XXXX Same response we will tell fraud dep to resend the check. I dont understand is it Truist habit to keep other peoples money? If the letter is returned isnt the bank supposed to send it again?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regional acceptance is reported late payments on my credit all different in each credit bureau when they had already received payment from XXXX and the vehicle had been in an accident and was a total loss. They are careless and till reported payments late when XXXX had already sent them a pay off for my vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33144
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am wanting these inquiries to be deleted because I did not authorize these companies to run my credit. This is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A