Date Received: 2023-09-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized removed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48185
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: On XX/XX/2023 I called Truist bank to request a new debit card because mine was part of a scam. As of today, XX/XX/XXXX I have yet to receive my new card. I called their XXXX number on the back of my old debit card to see what the issue was and was hung up on. I thought it was just a poor connection with my phone so I called again, it happened again. A total of 6 times this customer service hung up on me! In this situation they were very defensive and I was definitely not being treated as should have been. Highly disappointed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79706
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: This is my 3rd complaint with this department about ongoing issues with my Truist account. Truist still says I'm - {$470.00} in my account and by my calculations that's incorrect. Please refer to my previous 2 complaints if any questions. I would like to get this settled as this has been an ongoing problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: they need to restore my funds by a fraudulent company. ( XXXX XXXX XXXX XXXX XXXX, Al for {$1000.00}. used to be a good company now they are doing theft by deception. Truist bank has all the documentation to correct this and pull funds from XXXX XXXX where the so called owner deposited the check. they ruled on this case within a hr of receiving information without doing a proper investigation. there bank agreement says they will protect us from fraud. the local branch said it would be back in 48 hrs. its been several weeks and i appealed there decision. Truist is not helping there customers with fraud and put you on ignore
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35022
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' SERVICE FINANCE COMPANY Do you see information you believe to be inaccurate? Start a dispute Account info Account name SERVICE FINANCE COMPANY Account number XXXX Account type Home Imp Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$45.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$47000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$45000.00} Highest balance - Terms 258 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Past due XXXX days XXXX Past due XXXX days XXXX Past due XXXX days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XXXX XXXX XXXX days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. Balance history XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info The original amount of this account was {$45000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT THIS IS ILLEGAL!!!!! I HAVE BEEN DISPUTING THIS FRAUD ACCOUNT SINCE XX/XX/XXXX!!!!!! THIS IS RIDICULOUS IAM GOING TO THE BETTER BUSINESS BUREAU AND EVERY CONSUMER AGENCY TO COMPLAIN ABOIT THIS AND THEM I WILL HAVE TO SUE!!! THE CREDIT BUREAS!!! ! AND ALL COMPANIES INVOLVED FOR REPORTING INFORMATION FROM A CONSUMER ON THE CONSUMERS FILE WITH OUT GETTING WRITTEN CONSENT FROM ( ME ) the consumer!!!!! PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I was signed up for an overdraft protection and not told the details of this new feature on my account. I was told that if I had money on my savings then It would allow the transaction and take money out of my savings, if I didnt have money in my savings then it would reject the payment so I dont have to suffer another overdraft fee. I did this because Truist bank would overdraft my account constantly. I asked for this feature to be added and spoke to two reps who said they would add it to my account and did not, resulting in more overdrafts. I was finally able to add it once speaking to a supervisor who assured me that my transactions would be rejected if I didnt have money in my savings so I dont have to suffer another overdraft. They failed to mention that if this is a recurring payment I would still be over drafted and the payment would go through. I received another overdraft on XX/XX/23 and called because I was puzzled this happened, I spoke with a very rude supervisor named XXXX who did not want to hear me out and constantly spoke over me. I asked her to review the call with the previous supervisor and that he failed to mention that a recurring payment would go through and still overdraft my account, she promised that if this was the case once the call was reviewed I would get refunded. Well that was not the case, they did find that the previous supervisor failed to mention the recurring payments part and still they refused to refund the overdraft amount despite what XXXX promised. I spoke to a manager XXXX about what happened, which she then said that if upon listening to the conversation with XXXX if they find she did indeed make that promise, I would be refunded. XXXX, another rude, hostile manager who is committed to speaking over customers blatantly lied and said they found no such thing. This bank has been making promises, keeping me on the phone with them for hours, only to waste my time and be completely disrespectful and further tell lies to cover their own behind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27410
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Trouble during payment process
Subissue: Trying to communicate with the company to fix an issue while managing or servicing yo
Consumer Complaint: Truist failed to withdraw payments as set up and has not reported to the credit bureaus accurately. Truist continues to misrepresent the problem. I would not be complaining about this over and over on this matter if Truist would finally take responsibility. Even if what their research shows is correct it is still being reported incorrectly. Truist is responsible for correctly reporting what happened to the Credit Bureaus and have not done so accurately. My Dad was XXXX of XXXX during all this ... the last thing I want to be doing is dealing with Truist and the information that is not being reported correctly. Truist can remove or report the information correctly or I will continue to complain. What Truist is doing is wrong. When is somebody going to take action on this matter?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97225
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I entered the parking lot of the TRUIST Bank Branch at XXXX XXXX XXXX XXXX in XXXX, XXXX, at approximately XXXX XXXX I had entered the parking lot to use the ATM machine which is located inside the building in a vestibule. My phone rang I had to take a call from my employer on the BLUETOOTH capability in my car.I was on the phone for a few minutes parked in the parking lot of the bank and I noticed through the rear view window of my car that there were bank employees looking out the drive through window of the bank and I could faintly hear voices. I was on a call so I could not hear what was being said by the bank employees through the intercom system where the drive through area is which i wasn't parked next to. I was concentrating on the conversation I was having with my employer. The bank employees came out of the bank and crossed over the parking lot I got out of my car and asked what the problem was because one of the employees was yelling at me that I was loitering. I responded that I was a bank patron going to use the ATM. I went up towards the car of one of the employees that was parked by mine and asked again what was the problem .They in turn said that they weren't permitted to leave the building if there was anybody in the parking lot.They said it was because of security reasons. I in turn responded that I was a patron of over XXXX yrs at this bank and had never been informed of this. I called the bank the next morning and asked for the Branch Manager and I got the women from the night before who said that it was a new policy and I asked how is a bank patron to be made aware of this. She said we would never b made aware of internal policies, I asked for a Regional Managers phone number she refused to give me. I don't appreciate the way I was spoken to by her or the employee that displayed a hostile tone with me and accusing me of loitering..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 081XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I bought a car in XXXX from XXXX XXXX for {$26000.00} my interest rate was 18.95 % the car should have cost me {$46000.00}. Payments of {$620.00} a month for 72 months with Regional Acceptance Corp. Now I have had financial difficulties in the last 8 years and do admit with getting extensions and late payment for the last 8 years of paying for my car. I even filed bankruptcy 2 times. However I still paid {$51000.00} to Regional in the last 8 years, of that {$51000.00} only {$9500.00} went to the principal of the car, {$31000.00} went straight to interest and {$4800.00} went for late and other fees. Now they are stating I still over {$19000.00} on the car. That would mean I paying almost {$71000.00} for a {$30000.00} car that is only worth {$5000.00}. attached are all the documents. This car should be paid in full. Please help. This company took all the money for interest and never paid anything for my car. Even making a {$1200.00} payment after bankruptcy on XXXX it went all to the interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A