Date Received: 2023-09-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: These are multiple inquiries that all appeared on the same day. I do not have any open accounts connected to any of these companies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76017
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 lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A few months ago I received a cash advance from my bank : Truist, forrmally XXXX XXXX XXXX. Today I got an email that my checking account had a negative balance.. When I signed into their website I saw they had used my SSDI monies to pay what I could not pay the last two months, the payment for the cash advance. I called the SSA and was told these monies were federally protected. However when calling Truist they told me their bank has written in rules that allow them to over-ride the federal gov 's policies. This is not only illegal, but cruel. I am XXXX and have been since I was very young, now middle aged all I have to live on is my SS monies. I read them out all the laws pertaining to this but they only directed me me to a PDF TAC in which in very small print they state that they ( Truist ) are allowed to take out protected monies from a person 's account. Please help. Sincerely, 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: 28326
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-04
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Consumer Protection Violation claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2023-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX, XXXX & XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. XXXX5 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28273
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX around XXXX, I went to car wash to vacuum inside of my car. I swiped my card and it didnt work, I tried my other card it didnt work. I tried again and it went through I did not think nothing of it, no obvious signs of tampering. I vacuum my car for about 5 minutes and leave, I get home and I get a notification XXXX $ declined XXXX XXXX XXXX, then another one XXXX $ transaction XXXX XXXX XXXX. I immediately open my app and see XXXX $ was stolen from my account. I filed a dispute immediately, I checked my XXXX card I had also swiped and 2 transactions were also tried on that card. I contacted Branch twice before I got my response on my dispute. I get a email your dispute has been denied because it looks like I was involved, unique identifiers were used and its just bogus and outrageous. There has been multiple fraud attempts. This bank that I trusted with my school funds that get deposited for my career and future, declines my dispute of fraud. XXXX $ is not a small amount and this needs to be resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95973
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Truist Bank XXXX XXXX, Ga. I had my account compromised and fraudulant charges were made also deposited a check. They have XXXX fraud protection and the bank doesnt apply this to my account. I have disputed the check deposited as well as the charges to my account. Two of my payments to my credit card was returned bc of the bank but the XXXX isnt in my positive balance. It shows no transaction where the returned the payment on my account. So if they had the payments returned why doesnt that XXXX appear in my balance? They are very disrespectful and block my account but accept my government check just wont allow me to use the funds or havent put the disputed transactions back into my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Truist was advertising a {$400.00} bonus for opening a new checking account and having atleast two direct deposits totaling {$1000.00} within 90 days in XX/XX/2023. I opened a personal checking account thru their online process on XXXX XX/XX/2023 & successfully enrolled in that offer. Two days later I couldn't login to online banking anymore. Upon reaching out to customer care I learnt that my account was frozen and I would have to go into a branch for identity verification. I explained that this wouldn't be possible as they don't have a branch in XXXX, OH where I live and the nearest branch is a 2 hour drive away. After multiple calls and me trying to get the identity verification done virtually yielded no results, I asked that the account be closed and my initial deposit be returned. I waited for three months and then finally filed a CFPB complaint XXXX XXXX XXXX ) to get my {$50.00} back on XXXX XX/XX/2023. On XXXX XX/XX/2023 I received an email about an account statement being available and a letter from XXXX XXXX informing me that they were able to verify my identity and re-started my account. I called customer care and they informed me that the clock on my bonus offer had reset and I could still setup two direct deposits to receive the {$400.00} bonus within 90 days. I successfully completed that and waited until the advised period but they did not credit the {$400.00} bonus. Reached out to customer care again and escalated to a supervisor who had an analyst review the case and informed me 30 days later that they acknowledge my account was frozen so I couldn't deposit any amount but they are not going to honor the the promotional offer because it had to be within 90 days of XXXX XX/XX/2023. I find this extremely unfair on their part due to a number of reasons - 1 ) They automatically closed my account and didn't provide an alternative to ID verification, but when I submitted my first CFPB complaint they were suddenly able to verify my identity without needing me to show up in a branch. If that was possible why did they not do it in XXXX itself so I could still meet the offer terms. They kept insisting going to a branch was the only way to complete ID verification but that was not true. Truist 's actions and conflicting information provided by their customer care team actively precluded me from completing the activities for the bonus. When they restarted my account they should have ensured the offer applies too so I had a fair shot at completing it. 2 ) They were still offering the same promotional offer to new customers between XXXX XXXX to XX/XX/2023. I have a screenshot showing the online ad that was displayed. That is the time period in which I completed the same activities but I am not getting the bonus
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44124
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I went in branch to open 8 small business checking in hopes to enroll in their XXXX. They failed not only in enrolling my accounts but froze them a day later and have yet to unrestrict the accounts pending an unnecessary investigation by the fraud department in almost a weeks time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23456
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Truist had a computer glitch on XXXX with their cash reserve line of credit. It debited and credited repeatedly the amounts I have paid into the cash reserve. They took my account negative XXXX dollars. As of XXXX issue not fixed nor has account been adjusted
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42141
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX I mobile deposited my check. I had no previous warning or anything but as soon as I hit deposit check, thats when it told me my check would be on hold for 7 days!!! Who holds a check for 7 days?? I just deposited the same exact amount from the same exact company two weeks ago and had no problems! I called customer service and they could not give me no answer or help at all! How can you customer service not be of any help! This is ridiculous someone has yo wait on their hard earn money for 7 days over a holiday weekend! This is my last time using this bank!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A