Date Received: 2023-09-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2023 there were multiple bank reserve charges on our account. We called the bank because our balance went from around {$380.00} to negative - {$150.00} something and were told to let it cycle out and it would be fixed. The following day our account was even worse in the negative at around - {$550.00}. We noticed multiple fraudulent charges on the account. This included an atm withdrawal of {$500.00}, another XXXX atm withdrawals of respectively {$22.00} dollars and {$42.00} dollars. There was also a check that was cashed. A check that shouldve been flagged because of how it looked like multiple pieces of information posted together on a piece of paper. The check was made out to cash express, where we immediately went to the local store to verify it and was told XXXX. That doesnt even look like a check XXXX. Everything the company does is electronic, no paper checks are printed. Immediately I knew our account had been compromised and my husbands information was being used to make fraudulent charges. We called the bank again because still by this time we had received no communication of any sort of a data breach or anything about this supposed bank reserve glitch. When speaking to the bank they denied that was an issue and began reading from her script about how there was a glitch and to let everything play out and it would be fixed. I had to yell at her to tell her theyre allowing fraudulent charges on our account, where she transferred us to that department. The fraud department then tells us there isnt anything they can do until all charges go through. I demand they shut off the atm cards because apparently that never occurred to them. He then tries to sell us the option of having pictures on our new atm cards that theyll be sending out. The bank has yet to hold up their end of the contract we sign when we open an account. Not only did they steal my {$300.00} balance, theyre charging me over draft fees related to their glitch and data breach as well as comprising our personal and financial information. XX/XX/2023 they have yet to resolve anything and are still charges overdraft fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37334
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I tried to deposit a check onto my Truist mobile app. The app was giving me an error so I deposited into another account that I had with a credit union. The check ended up clearing both account but Truist ended up taking the funds back out of my checking accout with them so I transferred the funds from my credit union account into the Truist account so there wouldnt be a neg balance. Then on Thursday XX/XX/XXXX XXXX I went to pay for my bills and my card was declined. I called up there and they told me that unfortunately they were closing my account and I would not have access to my funds for more then 7 days!!!! My employment check was deposited into the account of {$4800.00} on XX/XX/XXXX and now I do not have access to my funds. I called multiple times and went to a local branch location and they told me there was nothing that they could do since corporate had made the decision. I have been a member with them for over 11 yrs and have never had any issues before. I can not pay my bills and I have since accrued multiple late fees and my credit report is in danger of being affected. They did not give me any notification or warning that they were going to freeze my account. I had to find out when all my bill payments were declined. I am a father of XXXX and have a family to support and now I can not pay the bills that we live off of. I hope my terrible experience will be shared so no one can get involved with this horrible company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I filed a dispute with Truist over about {$85.00} of incidental charges against my account from a hotel in XXXX called the XXXX XXXX XXXX XXXX. I got a XXXX email from the hotel saying I was not supposed to have any of those charges but the charges remain on my account anyway and when I sent this info to Trust that didnt do XXXX about it. Why does it have to be so XXXX hard to simply dispute a XXXX transaction? The merchant sent me the proof but the bank dont do XXXX about it anyway. What a waste of time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37211
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received a letter from Truist card fraud monitoring services and within the letter they state they closed my account. I have never opened a Truist account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/ XXXX at around XXXX I discovered that my checking account was empty when I went to get something to eat on XX/XX/XXXX at around XXXX I drove to Truist bank ( fornely know as BB & T or SunTrust ) when I arrived at the bank I asked the bank teller at Truist if I could see my bank account details because my card balance said it was at {$0.00} and that did not make any sense to me and when the bank teller showed me my account history I immediately saw where {$1000.00} had been withdrawn from my checking account on XX/XX/XXXX ( 1 day prior to me discovering that someone had cleared out everything I had in my checking account ) upon me discovering that someone had made an unauthorized withdraw I immediately told Trust bank to shut my account down and I immediately drove to the local police station and filed a police report on the {$1000.00} that had been stolen out of my bank account and upon further review I noticed that there were many unauthorized purchases dating back to around XX/XX/ XXXX XXXX in total I counted 63 unauthorized purchases that I never noticed because they were very small amounts until on XX/XX/XXXX when {$1000.00} was stolen from my checking account and after finding that out it was a total of {$1900.00} that was stolen from my checking account. I called Truist Fraud department everyday for 3 hours a day constantly being put on hold and constantly being treated like I did something wrong this has been a nightmare and Truist Bank has not corrected anything and Truist Bank has put me through XXXX and has done nothing except for reinburse me a measley {$200.00} of the roughly {$1900.00} that was stolen from me through unauthorized purchases and Truist Bank has fought me and made me feel like I did something wrong when it is Truist Bank who has put me through XXXX and will not correct what happened. The local Police Department where I live ( The XXXX Police Department ) has done everything they can to try to find out who did this but to no avail. The Detective assigned to my case did a very good job in trying to find the thief who stole from me but for right now he said this is going to remain an open investigation. And so when I called Truist Bank for the 30th time to tell them what is going on they still refuse to put the money back into my bank account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: After reviewing my checking account in early XXXX, I noticed several ACH debits with no name on them. I contacted Truist by phone after finding these ACH debits. This call to Truist I thought was with their fraud department. I asked the lady to identify the source of the debits, but she said that she had no access to that information. But, she did reverse XXXX charge on the most recent statement. I am certain that we left the conversation with her going to investigate the source of the charges. However, several days later, the same amount of money that she reversed was again withdrawn from my account. On XX/XX/XXXX, I contacted Truist again to try to get something done about these fraudulent debits. I spoke with XXXX XXXX XXXX XXXX ) who stated that she worked in Florida. She claimed she was able to research the debits and stated that they were made by the XXXX XXXX XXXX XXXX. I told her that this was definitely fraudulent activity. She stated that I should go to a local bank to get this resolved. Accordingly, in early XXXX, XXXX I went to a Truist branch on XXXX XXXX XXXX XXXX XXXX, NC. XXXX XXXX at the local branch started to help me but was too busy. So we set up an appointment for an afternoon several days later. At that appointment, she kept getting interrupted. I asked her if we could set a meeting for first thing in the morning so that we would not be interrupted. We set it up for the following Friday at XXXX XXXX. I was on time for the appointment. After waiting for more than XXXX minutes, an employee came out to find out what I and XXXX other customers who arrive a mere XXXX minutes before needed. I told her I had been waiting since XXXX to resolve fraudulent activity on my account. Not sure what the recently arrived customers needed, but she took them first, so I left with a clear conclusion that no one at the branch cared about fraudulent activity on my account. Then I wrote a letter dated XX/XX/XXXX concerning this issue ( the letter is attached along with the list of fraudulent debits that I sent with the letter ) and mailed it certifed to upper management at Truist. On or around XX/XX/XXXX, I received a phone call from XXXX XXXX who works in XXXX, NC. When she realized that she could not help me, she had XXXX XXXX contact me. I believe it was XXXX XXXX who told me that XXXX XXXX XXXX was making the withdrawals, which was the first time I was told that information and it contradicted information that XXXX XXXX gave me. She said I should contact that bank to get more information. Even though I felt she as a Truist employee tasked with investigating fraud should do it and for the fact that I have no accounts with that bank, I did contact XXXX XXXX XXXX. As expected, they told me that because I have no account with them, they could not help me. Again, I contacted XXXX XXXX about this matter, and she started to limit Truists exposure to the fraud by telling me about the limitations in the banking agreement. Hopefully, the phone call was recorded as not once did she state she would get to the bottom of the fraudulent debits. Then she had Truist send me many pages ( over XXXX ) of transactions that I had to determine which ones were relevant to fraud on my account. The first page that I reviewed contained no transactions that were related to my business or personal accounts. This is when I realized that Truist was going to overwhelm me with unrelated paperwork in an attempt to get me to go away. I did not review anymore transactions as doing so would waste my time. XXXX XXXX said I had to go to the branch on XXXX XXXX XXXX in XXXX, NC and sign and attest to each page. I did go to the branch. On the first page, I wrote that I attest to the list of fraudulent debits that I attached. That list is also attached to this complaint. At the bank, I also included a page of unrelated transactions that Truist sent me. These documents were to be sent to XXXX XXXX. Afterwards, I received an abundance of letters from Truist, dated XX/XX/XXXX, stating that they would not honor my claims. I realized that only a regulatory agency could force Truist to investigate my claim seriously.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This loan is reporting wrong facts. I do not owe XXXX XXXX paid XXXX. XXXX paid gap XXXX. Warranty refund check of XXXX was paid and refund on gap XXXX. Was applied. The rest of loan is recycled and I have a due payment on XX/XX/XXXX of XXXX. This payment is current. I am not late. Nor have I ever been late. They reported me 30 days late and behind. I want this all updated amounts and no lates. Remove all lates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32583
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the atm on XX/XX/2023. I made a deposit of {$1000.00}. All bills were of {$100.00} The machine took my money and did not credit my account. This is alot of money that is missing. I need my money as I have to pay bills and rent. This should not be taking so long. I have called and all they say is that it is under investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: In XXXX I applied for a roof loan thru XXXX XXXX. I had used them back in XXXX and Because of the experience, I used them again. The salesman in XXXX was more concerned lining his pockets and making a sale. At the time, my XXXX score was over XXXX. He told me that I barely qualified and and found me different lender. He set the loan up with Service Finance. I was not familiar with this company. I did some research and discovered they were a lender whos primary focus is agricultural lending. Farming equipment that sort of thing. When I revived my welcome packet from them, the letter mentioned that the loan was a second mortgage. Or some type of home equity type installment loan. At the time I submitted the loan, I was about 6-8 months out before my marriage ended in a divorce. I believe that the XXXX XXXX agents aggressive strongman tactics plus the impact of a disintegrating marriage may have obscured my ability to understand the type of loan I was agreeing to. The loan was XXXX. And had {$250.00} payments each month. I noticed that the loan had some to interest and principal. It was a financial struggle and appeared to be going nowhereor minimally on a 10 year note. In the spring of XXXX I called them to see if any of the paid interest was 1098 eligible, tax deductible or not. The agent was very rude. Seemed annoyed and promptly said loan interest is t tax deductible. Today, I took that to imply a form of harm. Given the stress of divorce, plus the covid lockdowns, I didnt have the ability to inquire as I normally would have. I have paid them off. I felt this company was a slimy underhanded company. I also believe that I should have any monies returned to me, for what I took as material misrepresentation. Had I have known the loan was thru an agricultural lender, I would have explored other options, local banks, michigan saves loans, etc. the sales clerk was very insistent that he had no idea what a michigan saves loan was. Today. I find that hard to believe, since XXXX XXXX gave me a michigan saves loan in XXXX for a property my former wife had. I dont believe the salesman in XXXX was operating in accordance within the law. And was more concerned-with lining his pocket with a commission.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49006
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 at approximately XXXXXXXX XXXX. I received a telephone call from a TRUIST Bank Representative asking me if I authorized {$9800.00} to be withdrawn from our Small Business Account. I told the Representative NO and that my Husband and I would be at the bank within 15 minutes. When we arrived at the bank, the Banker Representative met with us and informed us that the bank let the money go out of our account at approximately XXXXXXXX XXXX. on XX/XX/2023. I filed a " complaint '' with the Banker and was informed that the money was put into a XXXX XXXX XXXX Bank Account and that if any other information was needed that there would need to be a subpena. I have attempted to file a report with the local police authorities whom have told me they do not get involved. I filed the on-line FBI Form and they emailed stating that we are insignificant due to the dollar amount. TRUIST needs to refund the money 100 % + damages. I'm hoping you can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A