Date Received: 2023-09-01
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Funds taking out of my Truist checking account TRANSACTIONS NOT BY ME, THEY REFUNDED PARTIAL FUNDS from ( 7 ) of the ( 9 ) total TRANSACTIONS MADE NIT BY ME AND STILL OWE ME {$520.00} THEY DENIED last two payments of of {$260.00} a piece and all Unknown transactions where from source which doesn't make since.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: In early XXXX of this year, I reviewed my credit and noticed a delinquent account that does not belong to me. I filed a police report the same day for fraud and impersonation and contacted XXXX XXXX of XXXX the next day and spoke with the manager, XXXX who advised me to come in to complete a fraud affidavit. He asked for personal information over the phone which I didnt feel comfortable providing as Ive never done business with this company and was very alarmed as to how they obtained my information to begin with. I went to XXXX XXXX and completed the Fraud Affidavit certifying that the account they have on record does not belong to me. The manager showed me a copy of a check which was somehow digitally deposited into a Truist bank account but was completely blank on the back without any endorsements. The manager told me the matter should be resolved in about 14 days and removed from my credit. Ive waited that time and called the manager again and even went back there to be told it will take about 30 days in total. This is unacceptable, as my credit has been drastically affected, my mail and identity compromised and I want a thorough investigation of these companies, XXXX XXXX of XXXX and Truist so that this doesnt happen to me or anyone else again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29506
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ACCOUNT VERIFIED RESPONSE I Sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investiage every piece of information '' on the accounts I have listed below. Also I have attached the letter I sent out and here is the Tracking #. According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing the inaccuracies. ListAccounts DISPUTE RESPONSE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft Shall be removed from the consumers report not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! These accounts should not be furnished on my consumer report as they are in VIOLATION! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a federally protected consumer I am demanding the deletion of the accounts listed IMMEDIATELY. PS! THIS FRAUD ACCOUNT BEING ON MY CONSUMERS REPORT IS HOLDING ME BACK FROM EVOLVING AS A CITIZEN IAM NOT ABLE TO OBTAIN A HOME OR APARTMENT A GOOD PAYING JOB OR EVEN A LOAN OR CREDIT CARD! I DEMAND AS A FEDERALLY PROTECTED CONSUMER THAT THE CREDIT BUREAUS AND ALL COMPANIES INVOLVED REMOVE FRAUDULENT ACCOUNT OFF MY CREDIT REPORT AND CONSUMERS REPORT NOW PERMANENTLY! I HAVE ALREADY DISPUTE THIS FRAUD ACCOUNT EVEN BEFORE THIS IN XXXX. I HAVE MADE AN IDENTITY THEFT CLAIM IN XXXX AS WELL THIS FRAUD ACCOUNT SHOULD HAVE BEEN REMOVED WITH IN 4 DAYS OF RECIEPT OF COMPLAINT!! ALL COMPANIES INVOLVED IS NOW IN VIOLATION OF THE LAW " FAIR CARES ACT '' XXXX XXXX XXXX Do you see information you believe to be inaccurate? Start a dispute Account info Account name XXXX XXXX XXXX Account number XXXX Account type Home Imp Loan Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$45.00}, XXXX written off. {$47.00}, XXXX past due as of XX/XX/XXXX. Status updated XX/XX/XXXX Balance {$47000.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment - Original balance {$45000.00} Highest balance - Terms 258 Months On record until XX/XX/XXXX Payment history XXXX XXXX XXXX XXXX XXXX CO XXXX CO XXXX CO ND A CO XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX XXXX CO XXXX CO XXXX CO XXXX CO Current / Terms met 30 Past due 30 days 60 Past due 60 days 90 Past due 90 days CO Charge off ND No data for this period Payment history guide Charge Off as of XX/XX/XXXX to XXXX XXXX 90 days past due as of XXXX XXXX 60 days past due as of XXXX XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX This account is scheduled to continue on record until XX/XX/XXXX. Balance history XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more Additional info The original amount of this account was {$45000.00} Contact info Phone number ( XXXX ) XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AS OF XX/XX/XXXX I HAVE NOTICED FRAUDULENT ACCOUNT REPORTING TO MY CONSUMERS REPORT AND CREDIT PROFILE THE COMPANY AND CREDIT BUREAUS HAVE NOT REMOVED FRAUD ACCOUNT THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22554
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Between XXXX XXXX on XXXX, my hacker personal device has been forced multiple Factory Resets and data wipes. It has multiple APN 's. I logged onto my TRYIST MOBILE BANKING APP on XXXX to discover my personal XXXX XXXX device I purchased on XXXX, was not recognized. The 2 Step verification page had an unknown phone number listed. I went to the Bank Branch and informed a Bank Clerk. She removed the number immediately without fully exposing The full number. She intended to send a security ticket, but waited until I left the property with my personal device that can hack any electronic system within it's range. I informed her that reporting my hackers results in major breaches of the systems I report on, but they seemed to never touch funds. XXXXXXXX I check my TRUIST ACCOUNT daily notifications show multiple thresholds reached. I see 27 deposits made ranging from $ XXXX {$600.00} dollars into my account. While heading to the bank to understand this activity, manual withdrawal starting occurring. The same Bank Professional is informed and gives me a printout of my activity. It shows ( suspiciously ) XXXX. The period my personal device started Wiping data. My account was receiving and removing funds of over {$3500.00}. I went to the XXXX Police station with the documentation to file a report. This was shown as starting XX/XX/XXXXXXXX and continued the morning of XX/XX/XXXX. I can not do an audit of my account because the data changes after documentation. The TRUIST BANK SYSTEM has been breached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I received a notification from the IRS on XX/XX/XXXX with a notice date of XX/XX/XXXX. The IRS stated that my XXXX tax returns had been amended by them, which I had no knowledge. They claimed that for XXXX I excluded income from my filing for XXXX. This put me in a panic, and I was unsure as to why they sent this to me when I know I reported the correct income. I called the IRS on XX/XX/XXXX and it was stated that I withdrew funds from my 401K in XXXX which I did not. The IRS was proposing payback due to the amendment. I was told I would require document proof from my bank, which is Truist. After the call I reviewed the letter again and determined that an amount I withdrew to place in my 401K account after retaining new employment was reported as earned income, after XXXX XXXX years. I went to my bank on XX/XX/XXXX spoke with a banker, this person indicated he was new to banking and at first was unsure what to do, which is something a customer does not need to hear. He said he would look into it for me and attempt to call me back either than day, or EOB XX/XX/XXXX so he could have a day to research. I went home XX/XX/XXXX, because I had no confidence in the banker. I called a total of five times and each time I was given a different number, and no one could access my prior IRA account. However, they were able to access it to report an egregious error to the IRS. The last person I spoke did provide some insight that when I withdrew the funds to rollover it had to be coded incorrectly, but after two years. I asked why two years, and she was unable to explain why. I waited patiently for a call from the banker for XX/XX/XXXX I had to call him. I determined that he was not going to call me back and asked me did I know get a call on XX/XX/XXXX from the guy/manager with no name being given. I said nobody has called me and this issue is serious and how the IRS is looking for me to payout funds I don't owe do to their error. The banker said that the person he spoke with said I took out funds and owed the money. I had to explain to him multiple times of their error. When I mentioned filing a complaint, he said he would make some calls and reach back out. A short time later he called back and validated what I had just told him. All of a sudden, he knew how to access my account from a sister department and said the reason he couldn't see it before is due to how long it had been closed out. He provided feedback that I would need to provide proof from the company that holds my 401K account in order to correct the coding error they caused. I asked did they not have documents of proof. He claimed it had to come from my 401K provider, and I stated now I have to do the leg work on an error you caused. I was able to get the information and provided it. I am still submitting this complaint. Not only has this stressed me out, but it has caused customer harm, and impact to me as well. I don't think the banker, and the other team members I contacted understood the operational and reputational issues they have caused. I want this sent to corporate and I wanted to know how this happened and why it happened. If anything is paid out, they will be responsible not me. I don't even recall an apology. Who else have you done this to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 272XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I checked my credit report and found some hard inquiries on there. I've never applied to any of these companies I found on it. I called one company tried to explain I don't have an account and I got hung up on. That was rude. Called back and I was put on hold for 20 mins. So I disconnected the call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: On XX/XX/ I made a written request to have PMI removed from my mortgage as required by the Homeowners Protection Act. On XX/XX/XXXX I called Truist to check on the status of my request since there had been no update on my request. The customer service representative I spoke to told me a letter had been sent on XX/XX/XXXX ( attached ). I did not receive this letter until XX/XX/XXXX. The representative read the letter and informed me that my request had been denied because my home was a second home and my loan to value ratio ( LTV ) needed to be less than what my current LTV was. She would or could not elaborate on why my home was considered a second home, which it is not. This caused a panicked response by me and I immediately called XXXX XXXX and my homeowners insurance to figure out why this was being reported as a second home. Nobody I spoke to at XXXX XXXX or my insurance agency could see that this was a second home. I then called Truist again for more information. I was told by the second representative ( XXXX ) that I was not at the required 80 % LTV when I made my request and that I should make the request again. This was false information. I called a third time and spoke with a different representative over concerns that I would not be able to make the payment for a Brokers Price Option ( BPO ) in time since the letter dated XX/XX/XXXX said I had 30 days from the date of the letter to make the payment via check before I had to start the request over. I informed Truist that I did not have a checkbook and in no way would make their deadline after receiving their letter 10 days into the deadline. The truist representative said I could make the payment via my escrow account. On XX/XX/XXXX, I made my regular mortgage payment with an additional {$190.00} escrow payment for the BPO. I then called Truist to verify that this would be earmarked for the BPO payment. I was then told that this would not be accepted and that I needed to send a check. I have now been provided false information by Truist four times in regards to the PMI removal process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Around XXXXXXXX XXXX I was approved for 4 Truist Credit Cards with a limit of XXXXXXXX XXXX each. When the credit cards arrived I've started using the credit cards putting balances on each card. Suddenly before the second payment was due I find out all of my credit cards were blocked. When I called to find out why, Truist tells me it's been closed. They're reason for closing all of my credit cards was because of a charged off checking account from 8 years ago with a negative XXXX XXXX balance. I was in college and completely forgot I had a bt & t account with them. I immediately paid the balance and tried to get my accounts back. I was told they're going to keep all credits cards closed. I would need to pay it off and reapply. My credit utilization rose to over 200 % because of this. I no longer have access to card and stuck paying without access. The problem I have with this, why let me get approved, used the card, and pay before finding out that you wanted to close it. Because of cash advances and the high balance it says it would take years to pay off. 70 percent of the amount paid is going to interest. This is certainly hurting my credit report with high utilization and keeping me in debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I just started a new job at XXXX XXXX XXXX. My first paycheck was mailed to me as they werent able to set up the direct deposit in time. We are paid monthly and I just finished 8 years of training to be a physician and so my paycheck is much larger than before. I deposited the check Monday XX/XX/23 evening and it finally cleared this morning Wednesday XX/XX/23. Then a XXXX administrative hold was placed on my XXXX check. I called this morning and was told by the call center theres nothing they can do it was flagged as suspicious activity. I have bills to pay and am already behind because the check was mailed. This is my money from work and getting a paycheck from a hospital is not suspicious. I am being discriminated against because I used to make less money? Because of the way I look or my background? I shouldnt have to explain to the bank that I got a new job or a raise. I am going to have to get a consumer protection lawyer and waste precious time and money closing my account and suing them? Its ridiculous a bank can do this without any consumer protections. If Im late in my mortgage or other bills its just my problem?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27514
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I reported check fraud to Truist Bank on XX/XX/XXXX. A check I made out to CMS medicare in the amount of {$1200.00} was apparently stolen and the payee and amount changed to {$5000.00} and subsequently deposited into the fraudulent payee account at XXXX XXXX XXXX Truist case no. XXXX. A notarized affidavit was sent in via local Truist branch the same day. The local branch representative stated this was a common occurrence and was usually deposited into XXXX XXXX via mobile app. ( which I have since learned is called check washing ) A police report was filed XX/XX/XXXX ( case XXXX ) with the local police department with the same information. Once again police stated this happens a lot. Truist Bank has denied my claim for reimbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A