Date Received: 2023-09-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ON XXXX I deposited a cashiers check for {$49000.00} in ATM that was endorsed and signed over to myself. ON XXXX of XXXX the check clears and a hold was placed again. On XXXX the funds would be available but only to be placed back on admin hold I called TRUIST they advise me to walk in the branch I deposited the check in. On XXXX I go to the XXXX XXXX XXXX TRUIST win XXXX Ga to no avail no help was provided. I was advised to a branch leader that was no assistant. Around XXXXXXXX XXXX on XXXX I referred to the TRUIST at XXXX XXXX XXXX GA for a branch leader and no assistance was provided. ON XXXX I called TRUIST they again advised me to go back to the branch. ON XXXX I went back to the TRUIST ON XXXX XXXX XXXX IN XXXX where I was assisted by XXXX. XXXX himself calls TRUIST and I was then told to wait for TRUIST to give me a call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello, I am writing this letter regarding the claim that I filed about the 4 fradulent transactions on XXXX. On XX/XX/XXXX at XXXX XXXX I received a Fraud bank teller alert from Truist claiming that someone was attempting to purchase for {$310.00} at XXXX on my card. After seeing that I was very annoyed because this is the second time my card has been compromised at Truist, I didnt know what to believe. 2 minutes later at XXXX XXXX I received a call from the Truist Fraud department number, and conversed with who I thought was an actual specialist since the number was valid but this person who told me their name was XXXX, badge number ( XXXX ) told me that someone attempted multiple transactions on my card, and asked me for some personal information to access my account. Then they asked me to verify my balance by telling them how much I have. After that asking many questions like when was the last time you used XXXX, XXXX, or XXXX XXXX after telling them they said well thats probably how the hacker got ahold of your information and assured me that everything would be resolved as long as I allow authorization on a total of 9 transactions, one to the hacker on XXXX by the name of XXXX for a total of XXXX and XXXX to XXXX XXXX on XXXX all with the memo REFUND # # # # in order for Truist to block and flag those transactions, they told me that the transactions would not actually go through and it was all for security reasons and out of frustration I ignored all signs pointing to a scam. After the XXXX minute call from Truist they asked to do a personalized video call where they called me on XXXX using their badge number as the caller ID with the camera blocked where they ran me through the steps of authorizing the cashapp transactions for them to block it on the Truist system. After the 4th transaction, the others were blocked. They told me that Truist would send an alert in 1-2 minutes asking if it was me attempting it and to say YES because its all standard procedure, I complied thinking they were a truthful Truist specialist and they had me log out of my account for security reasons on the Truist banking app. After scamming me on cashapp the fake Truist bank teller told me to log back in this time using a one time password and username that they provided which consisted of my account number as the username when I told them I didnt know it by heart the call hung up. I call twice no answer so I went back and dialed the same Truist fraud department number that called me, this time an actual Specialist answered and made me realize that I had been scammed and that all the things I was told were lies, which is why I have filed 2 claims, one for the {$2000.00} scammed through XXXX and the XXXX on XXXX totaling {$1500.00}. After a week the bank concluded their investigation without providing any provisional credits in the meantime and told me that they were unable to provide any refunds because I benefited which is absurd, and because the transactions were authorized, even though I explained to them the push-to-authorize method used
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I previously opened a claim that was hastily closed with a vague response. No evidence of their investigation. Truist sent a letter stating the transactions were authorized- vague as before. We have called esurance and they can not pull up anything by her name. I tried to give them the old debit card number to search, since I dont know WHO is using the card, and they referred us BACK to Truist-who failed to stop the last debit from this merchant from the account when the INITIAL dispute was opened. The representative that reached out via email was shrewd. Im trying to figure out HOW you do an investigation without speaking to anyone! We need records so that we can appropriately dispute this claim with the merchant SINCE TRUIST REFUSES TO DO THEIR JOB. The company did not research this claim. If they did, documentation was not provided. XXXX has verified that there is not an account in my name at all. I even had them check for my kids names and nothing. So where is my money going? How can I authorize a transaction, a recurring one at that, and not even know who the person benefiting from it is??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a Truist account online with the promo code XXXX. The bank claims that upon two direct deposit of {$500.00}, totaling {$1000.00} within 90 days will allow a {$400.00} sign on bonus to be deposited into account. So far I have met all requirements and have yet to receive my {$400.00} bonus. Seems like false advertising
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: There was unauthorized transaction of {$720.00} has been done with XXXX linked with truist debit visa card on XXXX. I inform the bank to immediately stop the payment. They deactivated my XXXX card and start processing my claim. during the processing they have credited my account with {$720.00}. After fifteen days they come to the conclusion and said that the transaction was valid. After this statement they have debited my account with {$720.00}. Due to this action got two hit of OVER DRAFT fees of {$72.00} ( $ XXXX+ {$36.00} ) on my account by the bank, because my bill was due at those date and due to insufficient balance in my account the bank has payed on behalf me and charge me {$72.00}. On the Otherside I called XXXX and asked about this transaction. they sald we have stop/block the payment if your financial institution send us confirmation then we can transfer this funds to you account. Unfortunately the bank has refused to send confirmation to XXXX and XXXX also refused me to send fund in my bank account. I called many time to my bank fraud specialist or fraud analyst and the XXXX but all in vain. Here is the case # Truist Bank # XXXX XXXX # XXXX Vender Name ( where the transaction XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2023-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2023 at XXXX p.m. i called Truist Customer Service Line in reference to my account be over drafted. I spoke to a Rep. by the name of XXXX she reviewed my account and confirmed that i did have overdraft charges due to automatic charge by merchant. During the call i asked the Rep. XXXX did this transaction take place during a time that no funds were available which resulted and caused my account to be over drafted. She stated that when automatic draft has been activated it can only be stopped by the merchant and i need to call the merchant. My account is now over drafted, at the time of this transaction my account was positive before the transaction. So, I told her I'm not enrolled in overdraft protection so why wasn't this transaction declined as noted in the verbiage in the terms and conditions. It states that the bank has discretion on whether to pay the transaction or it can deny the transaction. She started again that the merchant is the only one that can stop the transaction. So, I asked the rep. XXXX then if that's so then how did 2-3 previous attempts get declined by Truist and not this one. Truist actually charged me for the transaction and then removed it a few days later. And also, I asked that why I am also over drafted in my savings account in the same manner when clearly there isn't enough funds in either account to cover either transaction. I checked with merchant, and they haven't received any payments for this account for this transaction, but Truist is charging me {$36.00} x1 for this which is deceptive because I'm being charged for something that they are stating they paid but haven't and I'm being charged {$250.00} which includes the overdraft along with the payment of {$220.00} for the merchant. As of XX/XX/2023 no payment electronically has been made to the merchant nor cash or money order by Truist. I have screenshots and information that proves this, and I would like for Truist to retract on this because it is deceptive. They have done this in the past, so they have full control overpaying a merchant or to decline and the rep. XXXX seen where this has happened before. I asked also that with Overdraft Protection not been activated they have a duty verbally to explain Overdraft Protection to the Public. Overdraft Protection only is activated when you have a accounted linked to the Primary Account to protect the account from causing a consumer a declined transaction. I do not have overdraft protection so all transactions above my posted current amount available should be declined. Instead Truist allows the transactions to be drafted and to charge its clients {$36.00} for something they never paid. This is a practice i have noticed that is continually happening. Their verbiage is vague and unclear, and the charges are also. What am i being charged for i have a Checking account and a Savings Account that is over drafted by hundreds of dollars. I never had the amount in either account to cover the automatic draft amounts, but they were charged and i was given an overdraft fee. I did not authorize Truist to pay either of these merchants it was soley their discretion that has caused me hundreds of dollars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31206
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: Dears kindly we're making this complaint for TRUIST BANK as our bank XXXXXXXX XXXX is trying to communicate with Truist bank via the appropriate wire channels since XXXX 2023 but they didn't respond till now kindly the USD WIRE INVESTIGATIONS OUR REFERENCE is XXXX XXXX we need a respond to XXXXXXXX XXXX regards
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2023 they run a hard inquired for a car and I wasnt looking to purchase or get a car
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11510
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a a continuation of a problem that CFPB said was resolved on the word of the lender, Service Financial Company LLC, CFPB Complaint XXXX. In the their response to you they stated they had work out a plan with me, and would inform me of the plan. To date, I have received nothing from them, or any follow up from the CFBP regarding their response to you. Kind of amazing you just take their word with out any follow up. I am still paying for defective and damaged windows that Service Financial was notified about prior to funding the loan. I still have not received any of my loan documents or disclosures. I still have not received an explanation as to why XXXX, XXXX pulled my credit the same day as Service Financial pulled my credit or, who authorized this, because it was me. As a result, my credit score dropped XXXX points. I really wonder what the point of CFBP is for the single consumer? I know Service Financial is XXXX XXXX XXXX or XXXX XXXX, but they still are adapt of taking advantage of them with no fear of repercussions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92630
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A