Date Received: 2024-02-16
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX - During the Suntrust and BB & T merger, my contact info was lost on my loan account, resulting in negative credit marks. On XXXX occasions, XX/XX/XXXX and XX/XX/XXXX, payment issues caused payments not to be processed. Truist only contacted me after the payment was 30 days past due and typically after receiving a notification from credit monitoring that my account was past delinquent. In the most recent occurrence, the mortgage rep confirmed again after my account was updated in XX/XX/XXXX, my account did not have phone or email information on my mortgage account, preventing late payment alerts on or around the XXXX. It's not till after the payment goes XXXX days that the issue is handed over to a different department that Truist finds my phone number. I have a total of XXXX Truist accounts, I have banked and have had a Mortgage with Suntrust for XXXX years, and have never had these issues until the merger. I currently have XXXX mortgage accounts and XXXX HELOCs with various banks, and I have no issues with processing payments or receiving phone calls. Yet, Truist keeps losing my account contact information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31406
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: Trouble during payment process
Subissue: Payment process
Consumer Complaint: during covid XXXX my mortgage payments were suspended for 3 months. after 1 month I started paying my mortgage and have been current for 3 years. Truist Bank has used those payments and applied them to unapplied funds. which now total over {$120000.00} and have not applied these payments to my mortgage. I have tried to correct this with them for over 3 months and they continue to say they are having internal audit problems. I have not receive the XXXX year end statement because of this they claim they will send but have not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This company regional financial has taken over XXXX from me from a case of identity theft. My FCRA rights have been violated as well as my consumer rights. I am a victim of identity theft this debt does not belong to me. I have repeatedly sent documents to regional finance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I deposited {$25000.00} with Truist on XX/XX/year>. They suspected fraud. It took 2 months and a cfsb complain to get some information. They told me that I needed to tell the person that wrote me the check to have their bank get it back. That person talked with their bank, XXXX XXXX, who did a fraud investigation and said they found no evidence of fraud. I have tried to contact Truist for a week with no response. I have sent emails and left voice mail. They will not release the money to me and are doing nothing to get the money back to the person who wrote me the check. Truist has had my {$25000.00} for 100 days. At this point, I am considering filing a criminal complaint. Truist stole my money because they are not lifting a finger to get the money back to any rightful owner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My local Truist bank is XXXX minutes away from my house so taking the check monthly takes time. So the local bank told me to use the mobile app to pay it online for convenience. So the following month on XX/XX/2023 I did just that. On XX/XX/2023 I woke up on a Saturday morning to a credit report notification saying my payment was 30 days late. I immediately called the bank and found out the payment was never drafted by their system. I offered to pay it over the phone and the rep took all my information along with ACH information and then processed the payment. I was then told the payment system was down and they payment did not go through. I was told I could call back on Tuesday as Monday was a banking holiday. The next week I went back to the local payment and made a double payment to cover the previous month and the current month. I've contacted Truist several times about fixing the credit report and they refuse to accept any responsibilities for the mobile app working incorrectly. They also refuse to acknowledge there system was down when I called in. So I tried to move past the faults and ask for a good faith fix to my credit report and pointed out that I have never had a late payment in my 20+ years of using credit. They still refuse to work with me to resolve my credit report issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 356XX
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: deposited a cashiers check on XX/XX/XXXX on XX/XX/XXXX truist decides to put on a hold on a cashiers check until the XXXX of XX/XX/XXXX which is absolutely ridiculous their reasoning is that they may not get paid from this check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2024-02-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was scam, someone hacked my XXXX and started making charges twice I change my account, been with bank for over XXXX yrs and never spent that much money. Bank was BB & T and now its Truist. Pls help to get my money back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2024-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: After XXXX, I noticed fraudulent debit charges on my corporate checking account and reported them to Truist and on XX/XX/XXXX I asked that the account be frozen to prevent any other unauthorized charges. After that, Truist allowed an additional 13 debit transactions and on XX/XX/XXXX a wire for {$24000.00}. I was called about the wire and said it was not mine yet Truist still allowed it to process. Truist reimbursed my account for the debits but I have called at least every other day trying to get my {$24000.00} back but kept keep getting the runaround that it is being " investigated. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-14
Issue: Getting the loan
Subissue:
Consumer Complaint: I engaged a XXXX to build a custom shower ( XXXX XXXXXXXX ). I applied for financing $ XXXX thru their affiliate finance program XXXX XXXX months into a very bad installation/ improper, I requested the loan be killed, I will pay for it with cash. I received confirmation back from the XXXX XXXXXXXX people who set up the loan and got initial approval that the credit line was closed. XXXX called me to ask if the work was done and I said NO, DO NOT FUND, I closed this line of credit. They told me that XXXX XXXX advised them the job was complete and that XXXX XXXX was their customer, not me, and so they funded the XXXX loan the next day. XXXX XXXXXXXX is their customer and demanded payment, however, I am responsible for payments from that point on or they will persue debt collection and impact my credit rating, despite the contractors incomplete/ bad installation. This seems to me to be very illegal? I asked XXXX to provide me the contract verbiage I signed on that describes this feature/ relationship, but am just getting " Forwarded '' to different departments. They are wearing me down. I did cancel the loan months ago per the contract section on cancelling the loan. I am now being referred to their " Complaints dept ''. I think this is a XXXX issue problem, XXXX with the XXXX but the other with the finance company ( affiliated with the XXXX? ) that funded against my clear express desire and statements of incomplete work via email, XXXX, in live conversation prior to funding, messahes on their website, even text messages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2024-02-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-13
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I went to use my debit card. Both were declined. I called bank they said my account was locked due to suspicious activity. I went to the bank. They would not unlock my account.. I called the number they gave me. They said my account is under review .. first they said because back of one of my checks I deposited wasn't signed. When I opened the account my funds were held for over 2 weeks for clearance of the checks.. I opened 2 accounts. Both accounts are locked now. This is 3rd time. They will give me a reason. They will not give me contact information for who is reviewing my account. I have been to the bank with my id they will not let me close it out. I have called several times and they will not give me any reason they just tell me it is under review.. it has been this way for a week. The fraud people I called tell me same thing. I tell them I'm the only one who has accessed my account. They still will not release any of my money. The accounts are through truist bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2024-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A