Date Received: 2023-09-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Re : Failure of TRUIST to Handle Fraudulent Withdrawal Claim in a Timely and Effective Manner Dear Sir/Madam, I am writing to report a grievous lapse in how Truist handled a fraudulent withdrawal from my business checking account and to seek your intervention in this matter. On XX/XX/2023, at approximately XXXXXXXX XXXX, I received a call on my cell phone from a number that came up as Truist ; the caller provided me with the last 4 digits of my credit card number and stated they suspected my card had been compromised and wanted me to verify several transactions. I confirmed the transactions werent valid and was told they would need to close that account and issue a new card, which is what I experienced when my card had been compromised previously. They then said they wanted to review my account to ensure I had fraud alerts set up and needed my user ID but, not my password, but the last 4 numbers of my EIN number to confirm I was who I said I was. They then told me I would receive a text with a one-time PIN that I would need to verify with them in order to complete the review. They confirmed that all appeared to be in order and would mail out a new credit card later that day. The call concluded at XXXX XXXX. After hanging up, I was troubled that they had asked for my User ID and the Last 4 digits of the EIN # as in prior conversations with Truist, I had not been asked for these details, so I attempted to log in to my business account but could not. Realizing I had been scammed, I called Truist, and when the automated prompts finally got me to a representative, they indicated that my user ID, password, and contact # had been changed so they could access my checking account and that {$9900.00} was being wire transferred out of my account. Note time is of the essence when reporting fraud, and the automated system delayed the reporting and enabled the funds to be transferred. They put me on hold to stop the transfer, and when they came back on the line, and proceeded to File a claim on my behalf. They told me I could expect to hear from Truist within 2 to 5 days. They helped me reset my account user ID, password, phone # and email. When I asked if there was anything else I needed to do to protect my account, they said, No changing the ID and password was sufficient. I was hoping they would take immediate action to rectify the situation. To my dismay, the bank 's response was both frustrating and inefficient. The timeline of subsequent interactions with Truist employees is as follows : 1. At XXXX, The funds were transferred from my account to a XXXX XXXX Account in XXXX XXXX. This was when I was on the phone with Truist, and they said they would try to stop the transfer. 2. **First Follow-Up** : After waiting several weeks without any communication from Truist, I called and spoke with XXXX only to find out that while they had a record of my call, they had no record that a claim had been filed or processed, they took down the information again and gave me case # XXXX and again told me I should expect resolution within 2 to 5 days. 3. **Second Follow-Up** : On XX/XX/XXXXXXXX XXXX, having received no update, I was compelled to contact them again. Initially, I was told the case # was invalid, but eventually, they found the records and transferred me to a XXXX, XXXX. She asked if I had notified the FBI or Police of the incident when it happened, and I said no because no one had told me to do so ; she provided me with the FBI site and said I should report the crime there and also to the local police department. She asked if I had closed my account and opened a new one because it was still vulnerable, and when I told her no, as no one at Truist had indicated I needed to do so. She set up an appointment for me at a local branch and said she would notify the branch manager that I was coming in to close an account and open a new one due to fraud. She also said that normally, once reported, it takes 90 days for cases to be investigated and resolved, and no one should have told me it would be shorter than that. The advice she provided is advice I should have received during my first contact with the bank. 4. **Branch Visit** : Upon my visit to a local branch on XX/XX/2023, there was confusion on their part ; Branch Manager XXXX XXXX said they had been told I was there for fraud training, not closing and opening accounts. Ironically It took nearly 2 hours to close and set up the account, while it took the criminal about 45 minutes to access and remove funds from my account. 5. **Partial Refund and Further Delay** : On XX/XX/2023, I received an email from Truist that indicated that the recipient returned the {$9900.00} wire transfer. To my dismay, when I checked to see what had been returned, instead of a refund of {$9900.00}, only {$220.00} was deposited into my account. On XX/XX/2023, I went to the local branch, showed XXXX XXXX the letter, and asked her to see if she could find out why the letter didnt match the actual deposit. She was on the phone for nearly 2 hours, getting transferred from department to department before being told the investigation was still in progress and that someone would call her back. On XX/XX/2023, XXXX emailed me to say she still hadnt received an update but would continue to follow up. TO me it appeared that Truist didn't attempt to recover funds until my call on XX/XX/XXXX. 6. **Subsequent Contacts** : On XX/XX/XXXX, having heard nothing I called the fraud department for an update and was told Truist had closed the case, all that was in the XXXX XXXX account at the time of the recovery, XX/XX/2023, was {$220.00}. When I asked why no one had taken the time to let the customer know the status of the case, he had no explanation. I also asked if my claim was covered under the FDIC program and was told that ACH transfers are not. I reiterated that the services I had received from Truist from my initial report to this final were disappointing and asked that the case be escalated, he said he would arrange for someone to call me within 24 hours. 7. ** Client Advocacy Manager** : On XX/XX/2023, I received a call from XXXX XXXX XXXX a Client Advocacy Manager ; she stated that she had been assigned my case and had been told I was not satisfied with the resolution. I detailed what I had experienced from my initial reporting of the incident to my last contact on XX/XX/XXXX, and that while I had inadvertently provided the scammer with the information that let them access my account, there should have been a process put in place to raise concerns when a user id, password, contact information are changed right before a {$9900.00}, just under the reportable $ XXXX amount, ach transfer takes place. She empathized with me and said she would re-open the investigation, and instead of the normal timeline of 18 days, she would try to resolve it in 7 days. Once again, a promised call did not come, so I tried to reach her, left a message, and still didnt receive a call. On XX/XX/2023, she answered her phone and indicated that Truist was waiting to hear from XXXX XXXX. I reiterated that the lack of urgency from the bank had been distressing and that I was losing faith and trust in them as my financial institution asked her to escalate the matter again or if there was nothing further they could do, to be honest and acknowledge that. The financial loss I've incurred is substantial for a small business owner like me, and ultimately impacts the services I am able to provide to my customers and limiting the scholarships I am able to provide. More than the financial ramifications, the emotional toll of constantly following up, coupled with the bank 's evident lack of urgency and procedural inconsistency, has been exhausting. Through this letter, I earnestly request the following : 1. **Restitution** : Full restitution of {$9700.00} and, failing that partial restitution. 2. **Bank Accountability*XXXX : Truist is held accountable for its procedural lapses and inconsistencies in handling fraud cases, as I am sure other customers have experienced similar issues. Truist and other banks should have a direct line to speak with a fraud representative when reporting an incident ; the automated phone prompts give criminals adequate time to transfer money out. I have attached email correspondence I received from Truist as the fraud was taking place ; from my perspective based on the number of changes being made, blocking the account from further activity, and telling me to visit a branch to resolve the matter would have been a better course of action. 3. **Policy Revision Recommendation** : An advisory to Truist to review and improve their protocols, ensuring future customers do not experience such distressing delays and confusion. In conclusion, while I understand that errors can happen, and I played a role that allowed the fraudulent withdrawal, the manner and speed at which an institution reacts to such errors speaks volumes about its commitment to its customers. I implore you to assist not just with my restitution but to ensure that banks are held to the highest standard of consumer protection. Banks, not customers, are the first line of defense against fraud ; that burden has been unfairly. placed on the consumer, and there are no consequences for the financial institutions, so they are, in my opinion, not proactive in preventing it. Thank you for your time and attention to this pressing matter. Sincerely, 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: VA
Zip: 23112
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/XXXX XXXX notified me of suspicious activity on my credit report. An unauthorized person applied for credit in my name without my knowledge. Because I am a victim of identity theft and fraud a fraud alert was placed on my credit report for 5 years. It is still active!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( XXXX ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( XXXX ) of any sort. In regards to The company ( XXXX ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( XXXX ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I recently pulled my credit report and saw an unauthorized inquiry on my report. These unauthorized inquiries are in violation of the Fair Credit Reporting Act 15 U.S.C 1681. 15 U.S.C 1681b states A person shall not use or obtain a consumer report for any purpose unless 1. ) the consumer report is obtained for a purpose for which the consumer report is authorized to be furnished under this section ; and 2. ) The purpose is certified in accordance with section 1681e of this title by a prospective user of the report through a general or specific certification. 15 U.S.C. 1681b ( f ). I have never authorized any transactions with the following company ( LIGHTSTREAM ) As well as I do not have an account as defined under 15 U.S.C 1693 ( a ) 2 with ( LIGHTSTREAM ) of any sort. In regards to The company ( LIGHTSTREAM ) has misused the private/personal information associated with my personal consumer report by using my information for personal financial gain for the betterment of their company. They ignored my communications & refused to cease and desist obtaining my personal/private information from any credit reporting agency. The company refused to remedy the matter professionally without any trusted third parties having to intervene into the matter. In addition to the rampant fraud & identity theft the company ( LIGHTSTREAM ) keeps taking part in they refused to pay me the consumer/beneficiary the entitled payment that was compensation for the violation ( s ) that kept recurring. I also gave them written notice that if such attempts kept being made against me the consumer/beneficiary that there would be legal actions taken. And it should be taken very seriously as this matter is represented in a trust matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60643
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased a used car at the end of XX/XX/2023. Two days later I went to the dealership and had them add an extended warranty. The dealership said they would have to redo the first contract. I cancelled the extended warranty the next week because I got approved for a refinance with XXXX XXXX XXXX. The refinance happened in XXXX because I was supposed to make my first payment to Truist in XXXX. However, the dealership sent in the second contract after the refinance and now Truist is saying I owe them the monthly note and they have reported that my payment is past due. I disputed this on my XXXX credit report and somehow it was verified as being correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XXXX I spoke to a rep who transferred me to XXXX in online dept. On fixing my accounts to link properly. He told me Id have to close both my bank cards out & start over with a new log in to link my accounts correctly that truist didnt do right when I added a new checking account. He then told me to call the branch rep who linked the account named XXXX XXXX at the XXXX. XXXX branch was supposed call me back to link my cards on XXXX Im still awaiting her call. Then, I called truist on again spoke to XXXX XXXX XXXX XXXX. I had {$540.00} in my savings & truist charged me {$36.00} fee & they didnt transfer the funds over to business account like they automatically do my checking account. They setup my accounts wrong. I dont have overdraft on business account & then I can only see my business card under a different log in. I cant see my personal card at all. My card was lost & had to be replaced a week ago & I couldnt freeze my card. Someone could have taken all my money out & truist isnt available to speak to on the weekend but limited hours. Its sad I couldnt freeze the card when it was lost. The bank hasnt fixed it after numerous calls & transfers. Ive been trying to fix this for months & truist hasnt fixed. >>>>>Im requesting the {$36.00} fee be waived on my business account & they link both my cards under one log in like they should have did when it was open. Not to mention, I opened 3 accounts for my minor daughter & it was rushed by a XXXX rep who first didnt link the accounts at all. I spoke to supervisor, XXXX XXXX XXXX XXXX XXXX as a call back. Shed refused a courtesy refund & was rude about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My husband, XXXX XXXX, went to XXXX XXXX on XX/XX/XXXX to become a signer on a non-profit account for a group with which he is involved. He was informed that he could not be added as a signer due to negative information identified in the XXXX XXXX verification report that was run. The report showed a charged off bank account ( Account XXXX ) from the former BB & T, now Truist Bank. The charge off was in the amount of {$540.00} and the account charge-off date of XX/XX/XXXX. When told about this issue, I was surprised since I thought I had closed the account and both my and my husband 's debit cards in XX/XX/XXXX. My husband then went to Truist on XX/XX/XXXX and was provided with bank statements for the period of XXXX. I was shocked to see that, after I thought the account and debit cards were closed in early XX/XX/XXXX, recurring debit card payments came through starting on XX/XX/XXXX which started to overdraw the account. The statement dated XX/XX/XXXX for the period of XXXX showed the assessment of {$280.00} in overdraft fees and {$36.00} in returned item fees. The fee breakdown for the 27 day period was - XXXX Overdraft fees ( {$36.00} each ), XXXX returned item fees ( {$36.00} each ), XXXX negative account balance fee ( {$36.00} ), and XXXX Prior Day OD Fee ( {$36.00} ). During that period, we received no overdraft or return item notices via postal mail or email and no phone calls from the bank. Had I been notified in XXXX regarding the issues with the account, I would have had the opportunity to ask for the card to be closed ( again ). The account was charged off on XX/XX/XXXX, again with no notice of charge-off or chance to bring the account positive or discuss the issue with the bank. Because of this issue, my husband was embarrassed in front of other members of the non-profit group with whom he went to the bank. Additionally, this will affect our ability to open new accounts elsewhere until this is resolved. As a banking compliance XXXX, I work with many community banks regarding the fairness of their overdraft practices and programs, as well as recent regulatory scrutiny regarding these practices since many banks have used overdraft fees in a way inconsistent with ODP and UDAAP guidance and expectations. The assessment of a {$36.00} negative balance fee is exceptionally unfair since the XXXX fees charged in the 3 days prior to the negative balance fee should have been a red flag that something was amiss with the account or, at least that a negative balance fee could be seen as " piling on '' to an already negative situation for a customer, thus further harming the customer. I could say the same for the " Prior Day OD Fee '' - what purpose does this type of fee serve, other than to further harm the consumer and provide fee income to the bank? In my work with community banks, I have not seen anything like this happen. I did not contact Truist regarding this issue since the account is now charged off and is likely not still on their books for collection in the event its been transferred to a third party. I am asking for the Bank to return overdraft fees assessed and/or, at the very least, to remove this account from the reporting record in order to have the charge-off for which we were not notified about to be removed. The inclusion of this account on our XXXX or other identification verification record will cause continued harm to our ability to bank or be added as signers for the groups for which we volunteer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2023-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Truist Bank in XXXX WV, opened a fraudulent checking account with a person claiming to be me. The checks were IRS XXXX money checks in the excess amount of XXXX. The checks were made out to my business XXXX XXXX XXXX. The endorsement was just initials. The bank will not give us any information, even though they called us to let us know what had happened and they did not get suspicious until the XXXX was taking out cash! These checks had an address of XXXX WY and the person opened up the account in West Virginia -- - red flag i would think! I want to know if this bank actually followed protocol and sent these back to the Fed as fraudulent or endorsement not as drawn. This is a lot of money that they gave out! And they will not communicate with us at all even after we filed a police report. They are not working with our Police dept either! Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WY XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 828XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX Re : Fraud at our Truist Business Checking Account To Whom This May Concern : In the last 10 months, our business checking account, XXXX XXXX XXXX XXXX, has had fraudulent activity over 20 times. As many as 6 instances were washed checks caught by the fraud department in XXXX of XXXX, and the deposited checks were returned the next day. Of those attempts, we were not notified in every case. These deposited checks did not show up in our printed statement, however once we were aware of these attempts we were able to see the images online. We had no idea that they even existed until our CPA got involved this week. Of these approximately 20 attempts only five have a claim number that we are aware of. Yesterday, we found more fraudulent activity in XXXX, notified Truist and attached those to the last claim number yesterday. This happened again two weeks ago when we found a fraudulent check for {$35000.00}. This check was to the same individual that was caught in XXXX in the amount of {$9800.00}. They replaced the {$9800.00} in our account after a two week investigation. This check was clearly not ours and the signature was not on our signatory card ( this is true in every case ) We contacted our CPA to do a complete reconciliation of account for this year. We do monitor the account, but do not officially reconcile but once or twice a year. Once the CPA was complete, we realized since XX/XX/XXXX there is a loss of over {$100000.00} due to fraudulent activity ( not accounting for the aforementioned checks Truist pulled, and the {$9800.00} that Truist has reimbursed us for. We called yesterday to speak with the bank. The fraud department said they really can only go back thirty days with any claims for reimbursement. When we explained we don't even receive a statement until the middle of the month, they replied that since statements were available online. The date we receive the statement is around the first of the month. They " graciously '' requested reimbursement to their claim department to go back to XX/XX/XXXX, but the biggest fraudulent transaction was a bank to bank transfer of {$48000.00} in XXXX, XXXX and was not something they could help with. XXXX is the same month that the bank identified six checks that were fraud, but only alerted us to two of them. Our biggest concern is that through this all Truist never suggested closing the bank account number, even though they had thwarted six checks in one month ( XXXX, the same month with the $ XXXX theft ). Truist never suggested or offered any other ways for us to protect the account, and they never suggested we contact the police. On the advice of our CPA, we have now contacted the XXXX police and they have initiated an investigation. The first claim happened in XX/XX/XXXX for approximately {$6200.00}. The next washed check occurred in XX/XX/XXXX. We believe that due to the constant and repeated fraudulent activity that Truist did not do enough to protect us from fraud, and did not follow protocols to help us : 1 ) Never suggested to close the account 2 ) Only mentioned their Positive Pay program yesterday XX/XX/XXXX after we got a rude phone call wanting to know if we still wanted payroll to go through since the account was negative. 3 ) Did not notify us of the four of the six checks they returned, and we could not see the checks in the printed bank statement. The only images were online, although they are listed on the statements as cashed checks, with a matching deposit the next day. We expect Truist to reimburse all losses back to XX/XX/XXXX. They say it is not within their power to do so and our only hope is that the Police do it for us. While we have filed a report with the local police department, we believe that Truist did not follow proper protocol and is in violation of the BSA/AML. Specifically, but not inclusively, in violation of Part 353 Suspicious Activity Reports Section 353.3 Reports and Records ( a ) ( 2 ), ( 3 ) and ( 4 ). Without reporting to local authorities, we believe they are also in violation of subset ( c ) of the same Part stated above. We believe that Truist also has a UDAAP violation, by not closing our account with repeated attempts at fraud, and not advising us on steps to avoid the repeated fraudulent activity, and not advising us to report to authorities. By continuing to keep the account open, without an elevated amount of scrutiny based on the fraud discoveries, we believe they are in violation of Regulation P, by allowing banking information to be repeatedly used for fraudulent checks, instead of changing the account so our bank account information could not be continued to be manipulated. Our knowledge on this subject is limited, and therefore, there may be other regulations Truist is in violation that we are ignorant of. We ask your help to identify those that we may not have identified. XXXX 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: NC
Zip: 28227
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: I went into the XXXX XXXX, Fl branch to deposit a cashier 's check on Monday XXXX. The check was quite substantial ( $ XXXX ), however I was depositing into my existing checking account. The teller indicated there would be a hold on the check for XXXX days -- - even though a casher 's check is suppose to be as good as cash and typically available the next day. The teller brought the XXXX XXXX XXXX up to see if any thing could be pushed sooner -- XXXX XXXX XXXX said she would try to get it through within a couple of days. Our account has been in the negative more than positive over the last 8 months, due to my husband being diagnosed with XXXX XXXX XXXX. I did not share this with the teller or XXXX XXXX as I am not looking for sympathy, I was hoping the check could be pushed as she had indicated. I called ( Thursday XXXX ) to speak with XXXX XXXX, her XXXX message indicated she would be out until Monday. I asked to speak with a XXXX. The XXXX XXXX got on the phone and I explained to him the situation. The check still had not cleared and we have obligations ( especially medical bills ) to deal with. He said there was nothing he could do. I then asked if perhaps he could reverse the deposit and I would take it to the bank the funds originated from which was XXXX. He said that they could not do that and I would need to issue a stop payment and then have the funds wired. I wasn't aware that you could have a stop payment on a casher 's check? He continued to say because I had a negative in my account, there was no way he would be able to do anything -- - My account could not accommodate the funds!!!! How unprofessional for him to even say that. He was rude, unprofessional and this was totally unacceptable to be treated like this. I will tell you when I had hundreds of thousands of dollars in my account -- I was certainly not treated the same way like I was from this individual. He was totally disrespectable & discriminating and then hung up on me!! Is that how he treats all his clients or just the ones that have a negative balance. I was very clear, that we had a great deal of funds coming over the next few weeks and they can be assured we will not be using Truist for our banking needs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2023-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A