Date Received: 2023-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I deposited my pay check in the amount of XXXX in my Truist checking account ending in XXXX. Lying in wait on XX/XX/XXXX, Truist records indicated that the company fraudulent and without legal authorization withdrew {$490.00} from my account without my knowledge or consent. On my account, Truist recorded the following information posted on XX/XX/XXXX. Transaction Details - {$490.00} Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO Transaction Date XX/XX/XXXX Posted Date XX/XX/XXXX Transaction Type Debit Reference Number XXXX Receipt Attached : NO My checking account activity documented by Truist also reveals the Bank 's fraudulent practices when handling consumer banking. Truist posted the data below on my checking account without any prior notice to me, the consumer/banking customer. Truist company records above proves there was no prior notice given to me. It says " RECEIPT Attached : NO. Truist illegally withdrew {$490.00} from my personal checking account and it's records prove that NO receipt was attached at the time of the fraudulent withdrawal from my personal checking account. Any documents sent to me by Truist during the time of the bank 's illegal withdrawal bears a date after the fraudulent transaction. The date on the attachments included in this complaint by Truist bears the date of XX/XX/XXXX. Truist 's fraudulent transaction occurred on XX/XX/XXXX, without prior notice and written consent ( see attachments ). XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO - {$490.00} - view details for XX/XX/XXXX Recovery Offset XXXX # XXXX FORCE PAY DEBIT MEMO XX/XX/XXXX Posted Balance : {$1500.00} There's a constant practice by the banking industry in noncompliance of the federal banking laws. The only debt I have with Truist is my mortgage payment in which was originally with Suntrust Bank initiated in XXXX. The merger with XXXX and Suntrust to create Truist caused the changeover in my mortgage. As a banking consumer, I had never had a direct monetary relationship with Truist. I never consented to a direct relationship with Truist. Any banking relationship I have was inherited and minimal, and with NO direct, written consent by me. As a result of this illegal and fraudulent act on behalf of Truist, I have suffered tremendous financial hardship. My next monthly mortgage has been tremendously threatened. My utilities are faced with cut-off notices. Truist provided me with NO PRIOR NOTICE before illegally confiscated funds in the amount of {$490.00}. All funds were illegally withdrawn from my account on XX/XX/XXXX, within hours after I made a large deposit in my account. Any notice to me was submitted by Truist two ( 2 ) days after the fraudulent and non-consensual withdrawal from my account ( see attachments ). This is not prior notice granted to banking consumers by federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 209XX
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Card was charged before we even activated or received the cards, there were 3 cards in total that got hacked and we did not use either one at all. We reported the issue immediately when we noticed it and to this day approximately 6 months later, this issue still has not been resolved. Instead the fraudulent balance is still there and they keep charging us late fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33069
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Truist Bank randomly closed my account after twice receiving proof of my name change, of valid address and of my US citizenship. They decided to close it with no warning or reasoning given at nighttime. I've been more than forthcoming with them, but apparently they're known to randomly close accounts while alleging fraud. Something of which I'm not guilty, and have never credibly been accused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2023-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX we had a balance {$190.00}. On XX/XX/XXXX & XX/XX/XXXX we made a cash deposit at the ATM for {$300.00} & {$430.00}. It showed on the app that the funds were available. XX/XX/XXXX - {$150.00} for XXXX was taken out. Along with {$6.00} in ATM fees & a - {$400.00} ATM withdrawal. I still had over {$350.00} in my account & received a {$36.00} over draft fee. When I called the rep said because the money that was deposited hadnt been placed in the account. Thats the reason why I received the NSF fee. However, my argument is if that is the case why did it show the deposit inside of the Truist app and why did it allow me to take out the funds if they technically werent in my account.. to me that means that their system is not adequate. It should have never showed that that money was available. I dont understand why I got hit with that fee if the app showed the funds were deposited. I received a total of 2 overdraft fees because of this! They are stealing peoples money! Their reps are in another country and could care less.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79934
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: SunTrust closed my account when the IRS sent my third stimulus payment of {$4200.00}. Irs said they sent the payment to SunTrust but SunTrust closed my account without any information. I file the form 911 with the IRS and a trace and SunTrust go the money and did not release it back to the IRS when they wrongfully closed my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: My mortgage payment amount is {$130.00}. However I send them {$750.00} every month just like clockwork. Two months ago they started sending me notices that they have not received my payment. When I asked them for my payment history they sent the attached. Youll see it also shows Ive never missed a payment. At this point Im not sure if theyre stupid or flat out scumbags trying to rip me off? Id really appreciate your agency intervening and making them correct their obvious mistake. I also need them to fix my credit report, and it would be nice if you made them pay a fine! Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Collecting {$150.00} extra every month since XX/XX/2023 towards home insurance, even though I have provided them a copy of new home insurance policy. So far they have collected {$1400.00} and by end of the year the amount would be {$1800.00}. The reason they provided was that it is being done since I missed to renew my home insurance and there's a lapse of one month. But they have not given me an answer on when they will stop collecting this amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92691
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In XXXX of 2023 my debit card was charged {$500.00} three times and one charge for {$1000.00} on my Truist debit card. No fraud alerts were sent to me asking if I was the one making withdrawals. XXXX XXXX XXXX ( XXXX ) who I did business with in the past claimed there was a glitch.they apologized and said a refund would be issued. I sent Truist all of the responses I got from this company. I sent emails to XXXX... well we are almost in XXXX... they credited my account {$2500.00} but the case is still not resolved..their customer service says there are waiting to hear back from the company... really? What if they went out of business? So my thing is, what are they going to tell me? We denied your claim because we have not heard from merchant? I already told Truist what my next step will be if they deny my claim and take back the {$2500.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/23 - XXXX XXXX XXXX reported to Truist while pending. Truist stated they would block it, if not contact them. They did not block it. We contacted them. They said to fill out affidavits. We submitted affidavits. XX/XX/23 - XXXX XXXX reported on XX/XX/23 with XXXX XXXX XXXX XXXX XXXX. We fill out affidavits for that fraud charge as well. XX/XX/23 - XXXX XXXX XXXX reversed. No explanation provided. Filled out affidavits again. XX/XX/23 - affidavits received by Truist on XX/XX/23 by XXXX XXXX. XX/XX/23 - Several inquiries as to status - no response XX/XX/23 - Complaint filed XX/XX/23 to CFPB XX/XX/23 - email from Truist stating working on concerns if need information contact XXXX XXXX. XX/XX/23 - email to Truist XXXX XXXX unreturned. No information ever provided. XX/XX/23 - email to Truist Client Resolution unreturned. No information ever provided. Important Facts : 1. ) XXXX XXXX is not used by anyone in my family. I would never put my debit card on XXXX XXXX 2. ) The fraud was three-fold- XXXX XXXX {$200.00}, XXXX XXXX {$100.00}, XXXX {$200.00}. XXXX was properly restored. 3. ) Truist is aware on XXXX XXXX Fraud scheme please refer to attached article on XXXX XXXX dated XXXX XXXX. 4. ) Truist has never responded or provided evidence that the charges were authorized. they were reported fraudulent while PENDING! 5. ) By law and Regulation E, Truist is required to provide evidence. From a basic customer service standpoint, they should return email and calls. 6. ) Complaint was closed erroneously by CFPB. On the day that CFPB said the complaint had been closed ( XX/XX/23 ), I received an email from Client Advocacy stated that Truist was still working to address my concerns and researching.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a check in the amount of {$3600.00} on XX/XX/2023 into my personal checking account through the mobile banking app. Truists XXXX XXXX department suspected the transaction as fraudulent. Truist not only put a hold on the deposit but froze all accounts, including our business account, until the investigation is complete, which can be up to XXXX business days. We can not deposit nor withdraw any of our cash. All of our funds are with Truist. We have no money for XXXX business days. My husband is unable to conduct business until the investigation is complete. I requested proof of fraudulent activity but was told its merely under investigation. While I appreciate the need to investigate, preventing our family of XXXX from accessing our money feels criminal. For what its worth, the check is from a former employer and is in fact not fraudulent. It is for unpaid wages following my departure as their employees. They would have happily vouched for the legitimacy of the check if asked. There is no evidence of it being fraudulent ( only the banks suspicion ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32309
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A