Date Received: 2023-09-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Several date on credit report have inquires that I didnt not approve
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I did not authorize this company 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: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Getting a line of credit
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX Washington DC XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX. Subject : Complaint Against TRUIST Bank for Discriminatory Practices Against XXXX XXXX XXXX Dear CFPB, I am writing to formally lodge a complaint against TRUIST Bank, a federally regulated financial institution, for its alleged discriminatory practices against XXXX XXXX XXXX, a legitimate and reputable business entity. The purpose of this complaint is to seek a thorough investigation into the actions taken by TRUIST Bank that have negatively impacted our business and potentially violated federal anti-discrimination laws. XXXX XXXX XXXX is a duly registered and compliant business that is committed to ethical practices. The events leading to this complaint transpired during our recent application for business funding with TRUIST Bank on XX/XX/XXXX. XXXX XXXX XXXX submitted an application for a loan for business support, a step that was vital to our business growth and the creation of additional employment opportunities within our community. However, our experience with TRUIST Bank during this process has raised serious concerns of discriminatory practices. Specifically, we have reason to believe that our loan application was subject to unfair treatment and discriminatory practices based on factors unrelated to our business. Throughout the application process, we encountered various delays, documentation requests without feedback, and vague explanations for the extended review periods, which were inconsistent with TRUIST Bank 's advertised practices. Moreover, during the application process, we were required to reapply on the XXXX of XX/XX/XXXX but TRUIST bank has refused to speak about our second application but is addressing our second application with the result of our initial application. We have bee informed that our business did not meet TRUIST Bank 's lending criteria without sufficient justification or transparency. This decision appeared to be arbitrary and contrary to what XXXX XXXX XXXX stand for. TRUIST is unable to supply a reason it has denied XXXX XXXX XXXX funding. We believe that these actions may be indicative of discriminatory practices. We would like to bring this matter to your attention and request a thorough investigation into TRUIST Bank 's handling of our loan application to determine whether there have been any violations of federal anti-discrimination laws, including but not limited to the Equal Credit Opportunity Act ( ECOA ) and the Fair Housing Act ( FHA ). We believe that our experience with TRUIST Bank may not be isolated and that other businesses may have faced similar challenges. Furthermore, we kindly request that the investigating agency consider any necessary actions to rectify the situation, ensure that XXXX XXXX XXXX is treated fairly, and, if discrimination is found, take appropriate measures against TRUIST Bank to prevent further discriminatory practices. We appreciate your prompt attention to this matter and request that you keep us informed of the progress of the investigation. We remain committed to the principles of fairness, equal opportunity, and ethical business conduct, and we trust that your agency will uphold these principles in investigating our complaint. Thank you for your assistance in addressing this matter. Please feel free to contact us at ( XXXX ) XXXX or XXXX. if you require any additional information or clarification regarding this complaint. Sincerely, XXXX XXXX President/ Founder XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint against SunTrust bank XXXX XXXX XXXXXXXX for Regulation E Violation Dear Sir/Madam, I hope this letter finds you in good health. I am writing to file a formal complaint against SunTrust Bank, doing business as XXXX XXXX, for a violation of Regulation E under the Electronic Fund Transfer Act ( XXXX ). I believe that the actions of the bank have infringed upon my rights as a consumer and have caused me financial harm. To provide some context, I hold an account with SunTrust Bank under the XXXX XXXXXXXX program. There was an unauthorized withdrawal from my checking account on XX/XX/XXXXXXXX using my debit card. The debit card was not present and I did not make nor authorize this transaction. I immediately contacted the customer service department at XXXX XXXX on XX/XX/XXXXXXXX ( via the phone number on the back of my card ) a subsidiary of SunTrust Bank, explaining the situation and seeking assistance in resolving the issue promptly. I was advised that the transaction would need to post before I could file a dispute. I immediately followed up with an email on XX/XX/XXXXXXXX to dispute this transaction as soon as it posted. The email was sent to the email address they provided. I sent additional email XX/XX/XXXXXXXX as well as on XX/XX/XXXXXXXX due to the fact they had denied receiving the first two via a phone conversation on XX/XX/XXXX. I also sent a fax to the number I was given should I have difficulty emailing the dispute notice. I have copies of my phone records and will include copies of the transaction as well as my email that was sent immediately disputing the charge. On XX/XX/XXXX, a representative with XXXX told me in a conversation that the transaction was not covered by regulation E, and therefore not entitled to a previsionary credit while the fraud investigation was being conducted. I immediately asked why the EFT was not covered by regulation E, and was not provided with an answer. I then asked to speak to a supervisor. Once I spoke to the supervisor she eventually relented and told me that it was a Reg-E covered transaction and the original report was incorrect ; however, the dispute and charge back had been initiated and would need to be voided in order to fix the mistake. I was told this would take another 24-48 hours. ( This conversation happened on XXXX ) Since this happened on a Friday I would need to wait till Monday at the earliest to have the error voided and corrected adding additional time to be without access to any of my cash in my account. On Monday XX/XX/XXXX, I called XXXX XXXX to get an update on the status of the correction and credit for my account. The representative was not able to provide me with any information. I asked to speak to a supervisor and was connected with the available supervisor. I was again told that the transaction was not covered by Reg E, and was not provided a reason why they concluded this. I immediately asked to speak to her supervisor. I was told by her that her supervisor was busy with another client and that he would call me within one hour. No one from XXXX XXXX or its affiliated banks responded. I had no contact with XXXX XXXX until XX/XX/XXXXXXXX when I again called to ask about the dispute status, as well as the status of the provisional credit. I was again told that the EFT did not qualify for a provisional credit and that it would take up to 90 days for a decision and possible credit. This is not correct information being provided. I again demanded to speak to the relevant immediate supervisor. I was told that they would call me back. I refused to accept that and instructed the representative supervisor that I would wait on hold as long as it took for me to speak to her superior. After some back and forth I then informed them that as of today they would be in violation of registration-e and subject to complaints to the CFPB, and also the Office of the Comptroller of Currency XXXX XXXX ). After I advised them that I plan to file a formal written complaint with these agencies, XXXX and XXXX XXXX immediately retaliated against me. After they left me on hold for over 40 minutes, they agreed to issue a credit immediately but then closed my checking account with NO notification. XXXX stated that they have mailed me a check in the amount of account balance although as of XX/XX/XXXXXXXX I still do not have the {$1400.00} that was withdrawn using my debit card number without my authorization. SunTrust Banks retaliation actions caused financial harm to me and my family. They provided no notification of the checking account being closed and provided no reason for closing it. XXXX negligence in retailingatikn by closing my account caused all of my pre-authorized ACH transactions to be returned. These companies charged me fees and shut-off a utility. XXXX still has not provided any proof that the check was ever created or sent and I still dont have my money. In addition to the excessive fees charged by XXXX, they took an excessive amount of time to resolve the dispute causing an additional fees from scheduled ACH payments that they returned. I was never notified of my account closer and was grocery shopping when I was declined. I called XXXX XXXX immediately after my card was declined and my access to the banks app was terminated. I again spoke to the same representative supervisor [ insert name ]. She informed me that they have concluded their investigation and closed my account. The balance of the account would be mailed to me within 7-10 business days. As of XX/XX/XXXXXXXX I have yet to receive any such check for the balance of my account. I believe XXXX XXXX actions after they credited my account were done out of spite and vindictiveness. They provided absolutely no notice prior to closing my account. This action caused my significant embarrassment and once again left me with no access to funds to pay for necessities. This incident is a clear violation of Regulation E, which establishes the rights and responsibilities of consumers who use electronic fund transfers. According to Regulation E, financial institutions are required to provide certain protections to consumers, including error resolution procedures and prompt investigation and resolution of reported issues. The failure of SunTrust Bank to address my concerns and rectify the situation is a direct violation of these provisions. Furthermore, I would like to highlight the financial impact this situation has had on me. The delayed transfer has caused significant inconvenience, as I was reliant on those funds for essential expenses. Additionally, I have incurred additional fees and charges as a result of this error, further exacerbating the financial burden imposed on me. I have received late or returned ACH fees from all 3 of my credit card accounts, as well as my auto loan payments, all with XXXX XXXX. I am currently over 30 days late on all of my debt payment responsibilities, which has caused a negative impact on my credit score. In light of the aforementioned circumstances, I kindly request that the Consumer Financial Protection Bureau thoroughly investigates this matter and takes appropriate action against SunTrust Bank for their violation of Regulation E. I urge you to enforce the necessary corrective measures to ensure that the bank upholds its obligations and provides the compensation to which I am entitled. On request I can provide copies of all relevant documentation, including records of communication with the bank, transaction statements, and any other supporting evidence that may be useful in the investigation of this complaint. I sincerely appreciate your attention to this matter and your commitment to safeguarding consumer rights. I trust that the Consumer Financial Protection Bureau will diligently address this complaint and take the necessary steps to rectify the situation. Thank you for your prompt assistance. I look forward to a resolution in the near future. Yours sincerely, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48306
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XX/XX/2023, I went to the Truist Branch located at XXXX XXXX XXXX, XXXX MD XXXX and requested a banker to send an international wire from my checking account. Unfortunately there was an error in the wire information and subsequently I requested a wire trace and then a recall since the beneficiary ( final destination ) bank has not been able to receive the funds. I have been to the branch multiple times and called the customer service line multiple times. I've been told I can not speak with the wire department directly about my wire. The beneficiary bank ( final destination ) has requested assistance to locate the wire / recall, however the Truist wire department staunchly refuses to help productively. All they have repeatedly responded is " the wire is under investigation ''. Each time I do have to go through a Truist banker or Customer Svc Rep to communicate with the wire department. Finally, after 2 weeks of my calls and visits, today I was told the wire went from Truist to XXXX XXXX XXXX and then to XXXX XXXX Which is fine. That's how wires are sent sometimes. However, I have not been told who XXXX XXXX sent the wire to. I humbly request your assistance to simply receive the details on who XXXX XXXX sent the wire to. The final destination / beneficiary bank needs this information in order to assist with locating the recall or wire. Truist Bank Wire dept is refusing to provide this information and without this information the beneficiary bank is unable to perform a search on their end. I have been informed by Truist that they will close the case soon. The amount in question is {$23000.00}. I am also alarmed at how this is even legal for the wire dept to refuse to provide my own information to me especially after I paid for and ordered a wire trace and wire recall. Please help me get the details of the final destination that XXXX sent the wire to. Recall Ref # XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been having nothing but false promises with this bank from day one from personal to business checking accounts. They were running a special that if you open the account with us you will get {$300.00}. Once you open the account they can't figure out the codes to apply the {$300.00} special. They advertise you won't get overdrafts with them. However, I have been getting nothing but overdrafts. I asked them to set up overdraft protection after they kept saying they could not get the system to refund the overdrafts but today was the final straw. I did my due diligence to protect my accounts. I went in and set up overdraft and they overdrafted me again on the XXXX. I went in to the branch today she said I am sorry but it was not set up correctly but I will fix it. The same response as before I requested a refund but the system won't give the refund. This is not fair and they know it is their error. She claimed there is nothing she can do at the Truist at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I see numerous complaints on XXXX but nothing is being done about their false promises about giving the promotional dollars or the overdrafts. They are not taking responsibility by saying the system won't refund the error for the overdraft fees. There are humans in the branch that can not function in an ethical manner because they are hiding behind the computer. I would like my {$36.00} overdraft fee refunded because I have done all I can do to protect my account and they are not being honest. The money was available and I did my part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28144
Submitted Via: Web
Date Sent: 2023-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I attempted to open a checking account with Truist Bank 6 months ago after coming across an online advertisement for their services. The initial online account setup process was smooth and efficient. After successfully opening the account online and depositing an initial sum of {$50.00} as required for the checking account, I received no indication or notification about the need to physically verify my identification at a Truist branch. My account was inexplicably frozen the next day, rendering it inaccessible for use. I never received essential items like a debit card, checkbook, full account number, or any means to access my funds. I found myself locked out of the online account, unable to manage my finances, and deposit additional funds. To my astonishment, I was informed that, in order to unfreeze my account, I must undertake the arduous task of physically verifying my identity at a local Truist branch. The nearest branch is situated in another state, a daunting 200 miles away from my current location. Considering the considerable distance, travel expenses, and the total lack of foresight regarding this requirement, I made a humble plea to have my account closed, as it had become evident that this experience was far from the banking convenience I had anticipated. Regrettably, my plea for account closure was met with resistance, as the bank insisted that a branch visit was mandatory before they would even entertain the idea of closing my account. The situation took a turn for the worse when I received an alarming call from the bank today. They informed me of an overdraft of approximately {$10.00} on my account, caused by monthly fees being deducted without my knowledge or consent. This revelation was the first time I became aware of this issue since I had no access to critical account statements or related information from the bank. Shockingly, I was told that due to my account being frozen, they could not accept a payment over the phone or through any other feasible method, and they could not close my account. Instead, I was instructed, yet again, to make the 200-mile journey to a local branch in person to settle this outstanding balance. Moreover, the bank threatened to send my account information to collections, a prospect that greatly concerns me as I am actively considering the purchase of a home, and maintaining a positive financial record is crucial for this endeavor. This ordeal has left me deeply frustrated and perplexed, as I have never encountered such rigid and impractical procedures with other banks, many of which offer seamless online account management and resolution options. I kindly request the assistance of the CFPB in helping me resolve this problem. Your intervention would be greatly appreciated. Thank you so much for your attention and support.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2023 Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, Iowa XXXX Subject : Disputed Transactions and Request for Resolution - Truist Bank Dear CFPB, I am writing to bring to your attention a concerning situation I have encountered with Truist Bank regarding a series of unauthorized transactions on my account. I hope that the CFPB can assist in addressing this matter and ensuring my rights are protected under applicable consumer banking laws and regulations. Account Details : Account Holder : XXXX XXXX XXXX XXXX Account Number : XXXX Bank Name : Truist Bank Description of the Issue : On XX/XX/XXXX, I discovered several transactions on my Truist Bank account that I did not authorize, nor were they made with my consent. These transactions, listed below, have left me deeply concerned about the security of my financial assets : XXXX. Dispute ID - XXXX Transaction Amount : {$2600.00} I immediately contacted Truist Bank to report these unauthorized transactions and requested a thorough investigation into the matter. However, the bank 's response has been unsatisfactory. They seem to believe that I am responsible for these transactions, despite my insistence that I had no involvement in them. Evidence of My Claims : I have substantial evidence to support my assertion that I am not responsible for these transactions. This evidence includes but is not limited to : XXXX. Surveillance footage or location data proving I was not present at the transaction locations. XXXX. Timestamps or other records that demonstrate I did not initiate these transactions. XXXX. Any correspondence, such as emails or text messages, indicating that I did not authorize these transactions. Request for Resolution : I firmly believe that, as a victim of fraud, I am entitled to a prompt and just resolution of this matter. I kindly request that the CFPB intervenes to ensure that Truist Bank conducts a thorough and unbiased investigation into these disputed transactions. I also request that the bank promptly refunds the full amount associated with these unauthorized transactions to my account. I would appreciate your assistance in expediting the resolution process to ensure that my consumer rights are upheld and that I am not held responsible for fraudulent transactions that I did not commit. Please let me know if any additional information is required from my end to facilitate this investigation. I am ready and willing to cooperate fully in this matter. Thank you for your attention to this serious issue, and I look forward to a swift resolution. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I discovered unauthorized transactions on two accounts, one with XXXX XXXX and one with Trusit Bank, for {$700.00}, which I immediately reported to the bank 's customer service. I promptly contacted Trusit Bank 's customer service on XX/XX/2023, to report the fraudulent charges and initiate an investigation. I expected a timely resolution in accordance with the bank 's policies and federal regulations. Despite my repeated inquiries and efforts to cooperate fully with Trusit Bank 's fraud department, the bank has failed to provide conclusive evidence or documentation regarding the fraudulent charges in question. Their initial claim was that I had done business with this vendor before, and their reasonings behind the failed claim continued to change after. Trusit Bank 's customer service representatives have consistently provided vague responses and transferred me from one department to another, creating an endless cycle of frustration and uncertainty. I have repeatedly requested essential documentation such as transaction records, investigation reports, tracking information, verifications, and evidence supporting the legitimacy of these charges. Trusit Bank has consistently refused to provide these documents or has provided incomplete and unsatisfactory responses. The delay in resolving this matter has taken a significant toll on my mental and financial well-being. The unresolved fraudulent charges have created instability and emotional distress, and the lack of transparency from Trusit Bank only exacerbates the situation. I have made every effort to cooperate with Trusit Bank and follow the appropriate procedures to address this issue. However, their lack of transparency, refusal to provide documentation, and consistent runaround have left me with no recourse but to escalate this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have been banking with Truist for over a year now. This is the second or fourth time this has happened. I've had issues with them and handling my money and assets. I went into the local bank and spoke with the bankers no justice. I disputed the charges and they investigated and they sent me a letter from the Truist Enterprise Fraud Management and the letter states are unable to credit my money back to my account. We have problem. The amount that was unauthorized from my account was XXXX. I am definitely going to contact some legal advice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 286XX
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A