Date Received: 2023-08-28
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: To Whom It May Concern : It has been brought to my attention that { Truist bank } has listed { negative listing } on my XXXX file. To my knowledge, I have never had account with { TRUIST BANK }. I am therefore writing to request full validation of this debt as is my right underneath the Fair Credit Reporting Act. Specifically, I am requesting full validation from { TRUIST BANK } including copies of any documentation associated with this { negative listing } which bears my signature. In the absence of such documentation, I request that this TRUIST BANK be permanently removed from my XXXX report. For your records, my contact information is as follows : XXXX XXXX XXXX XXXX XXXX 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: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XX/XX/ I accidentally used my Truist credit card to with draw {$100.00}. I meant to use my debit card at the Truist ATM. So I saw on my bank app that I accrued a {$0.00} penalty. I paid the {$100.00} on XXXX The next statement XXXX had an additional XXXX fee. Which I paid XX/XX/2023. However I did call to inquire after getting the {$0.00} charge in XXXX they said it was an interest charge. But the statement indicated it was a fee. Then XXXX statement I had another {$0.00} fee. I called again XX/XX/2023. She said the interest rate was 30.2 % on cash advances. I asked her to clarify this. She said I owed {$30.00} on the {$100.00}, despite the fact I paid it off within 3 days. They said I was still paying interest fee against the cash advance. Even though the statements indicated that I paid everything off in full. The manager couldnt explain to me how many more times I would be getting XXXX monthly fees. She said she would send me the supporting documentation that what Truist is doing is in the contract. She offered to try to get one month {$0.00} fee waived but that is all she could do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27253
Submitted Via: Web
Date Sent: 2023-08-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-28
Issue: Repossession
Subissue: Account reinstatement or redemption after repossession
Consumer Complaint: I purchased this vehicle in XXXX of XXXX. I had good payment history up until XXXX of XXXX. The account was charged off officially in XXXX of XXXX. All collection efforts stopped due to XXXX. In XXXX of XXXX, I updated all my personal information through the credit bureaus, including my address and phone number. I then contacted the lienholder, Regional XXXX, in XXXX to inquire about how to pay off the entirety of my balance. I received no response or direction. My vehicle was repossessed by Regional Acceptance on XX/XX/XXXX. I had to call them to figure out the next steps and to get my personal belongings. I called in XXXX, XXXX, and XXXX of XXXX to try to redeem the vehicle. Each time I called I was transferred around or hung up on. I called again in XXXX and asked to speak with managers and supervisors only. I was advised that the vehicle was going to be auctioned off. I told them that I wanted to still redeem the vehicle, as this is my right as the owner of the vehicle. I was still advising them that I wanted to pay off the entirety of the loan in exchange for my vehicle back. I never received any notice about the status of the vehicle. I called again in XXXX ; I was told that the vehicle was being put up for auction. I told the agent I spoke with that I would need something in writing to be able to still have a chance to redeem the vehicle. Yet again, I received no documentation. The vehicle was auctioned off in XXXX. I am complaining based on the fact that I never received proper notifications before or after the repossession pursuant to the FCRA laws on the matter. I was never given a fair opportunity to redeem the vehicle. The lienholder had my updated address to take possession of the vehicle yet would not update my address on file to mail the notices to my address in timely matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48228
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have a business checking account with Truist. It has {$1.00} balance. I couldn't transfer it using XXXX or XXXX. I want to close the account. On or about XXXX XX/XX/2023 I chatted with XXXX to close the account but he is not willing to do so. Instead XXXX stated that go to the bank branch or send a postal mail. I insisted on closing this account by chat but he said that he couldn't
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2023 I closed on a cashout refinance on my personal residence. The wire transfer of {$290000.00} was wired into my account at Truist Bank on XX/XX/2023. On Friday XX/XX/XXXX I got a call from Truist that my bank account was frozen due to wire fraud. I talked with the branch leader, XXXX XXXX and she said the account was frozen due to fraud investigation regarding the funds from the cash out refinancing. She then said it was out of her hands and that if I had any documentation to bringit in. Monday XX/XX/XXXX I dropped off XXXX pages of closing docs and mortgage loan statement and also emailed the wire information from the title company. I also found out that Truist called the title company on XXXX XX/XX/XXXX to get their documentation. However in the meantime my account is frozen, I haven't heard from anyone about the investigation and I am coming up on month end billd and mortgage with no funds to work with. I also have XXXX letters saying checks returned for NSF and also have creditors calling me for payment. I'm the innocent person in all this and I should have some sort of protection in all this. Why if they are investigating the wired funds are they penalizing me. This is not right!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: NEVER USE TRUIST BANK! Date : XXXX Actions : I'm buying a new house and the new loan was denied because of the Truist Bank wrong reporting and refused to make corrections. My loan was sold to Truist three month ago. I talked with Truist from XXXX to XXXX and they kicked issues among them and could not resolve anything, and I requested to talk with management level person but every time each person kept me waiting for 24-48 hours and I never received any calls. My new loan officer showed me a regulation from CFPB showing that Truist violated the 60-day late payment during transfer laws. I've paid off all the dues and tried my best to negotiate with Truist, but their attitude is so horrible and not helpful. Everyone is like a robot and manager is hiding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My TRUIST credit card ending in XXXX was cancelledDue To Fraud More Than 2 Months Ago.ToId I would Receive New one. Never Did! Talked With Fraud Dept.And Disputed Numerous Charges ... Told {$900.00} To Be Removed From Bill AndFurther fnvestigation Of Charges Underway.Received Repeated Notices of Late Payment Due.Went To Local Branch More Than Once.They AIso Spoke To Fraud Dept.I Was Given Assurances ThatAdjusted/Corrected Bill And New Card Woutd Be Sent.Never Received Replacement Card.Did Not Receive Adjusted Bill! Received Bills Via Email Re : Original Card Ending XXXX & Cards Ending XXXX & XXXX which I Never Received.Spoke To Fraud Dept. Again & Agasin! Received Letters Stating $ XXXXPlus Late Charges & Interest Due = BOGUS! Closed Account! Cancelled Credit Card ( s ) .Sent Letters To TRUIST President, Executive In Charge Of Consumer Relations, Credit Card Srvices , & Corporate Headquarters : No Reply! I Will Not Pay! FRAUD! !! I've Had Enough Of TRUIST BAD Business!!! Sincerely, XXXX XXXX, XXXX SS # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: When I opened my account with Truist bank, I tried to first do it online. It gave me a screen that the request could not go through and to come to a bank branch to open an account. I went to the bank in person and was helped to open an account. I was first attracted to open the account due to an advertised banking bonus offer of {$400.00} after making a total of {$1000.00} in direct deposits within 90 days of account opening. After opening an account, I received notification that I don't meet the requirements. I spoke to the bank manager XXXX XXXX who informed me that the terms are different from opening account online vice completing the account opening in person. That was not clearly identified to me at the time of account opening. I met the terms of the bonus offer- including the opening deposit and direct deposits, but it was never deposited. I called their customer service line to get an update on the request to revert back to the original online terms that XXXX XXXX submitted on my behalf. The agent on the phone said its still pending and gave me no information on why eligibility review was pending. I called customer service once and stopped by the branch in person kept getting a different response on why my bonus offer is pending. I am concerned about the deception with opening the account online and changing the terms after completing the account opening in person at the branch with the not granting the bonus offer for opening the account. Unrelated but I also have a separate complaint regarding this account because they have frozen/locked it after I deposited a check from my mortgage company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 284XX
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Have an account with Truist, wanted to close it because they flagged a fraud check I received via mail and they refuse to give my direct deposited job check from my checking account which is a separated account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28079
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX : I became aware of a charge on a credit card with Truist. I do not use this card and it is on paperless billing, so I do not receive statements. On XX/XX/XXXX while logged into online banking, I saw a balance of {$10.00} on this card. Upon further review, this was an unrecognized {$5.00} charge dated XX/XX/XXXX from " XXXX XXXX XXXX '', {$5.00} late fee and {$0.00} finance charge. I contacted Truist and initiated an investigation disputing the charge as fraudulent. XX/XX/XXXX : I double checked my XXXX purchase history and did not find a {$5.00} charge from XX/XX/XXXX for {$5.00}. After initiating dispute with Truist, I called XXXX. The agent searched extensively and was able to locate the charge. He said it was a charge related to an XXXX item trade in, but did not have additional details. I told him I did not generate this charge and that my XXXX credit card is my default payment method for all XXXX purchases. He confirmed this and told me he did not understand why this charge was applied to the Truist credit card. He apologized and said he would make a note on my account that the {$5.00} charge was in error, so it would be apparent when the Truist dispute was received. He was supposed to email confirmation of this, but I did not receive an email. I subsequently received two sets of paperwork in the mail from Truist dated XX/XX/XXXX confirming the dispute and asking me to provide additional information and return the forms to them. These letters confirmed, as I was told by the telephone agent, that " the disputed transaction as well as any accrued finance charges and/or fees if applicable, will be removed from your credit card account balance ''. The sets of paperwork had different claim numbers on them ( XXXX and XXXX ) which I did not understand, but dismissed as redundant paperwork. XX/XX/XXXX I completed and returned the requested form to Truist using the form with XXXX I received two letters from Truist dated XX/XX/XXXX confirming a dispute with case numbers XXXX and XXXX, otherwise identical to the letters dated XX/XX/XXXX. I received letter in the mail from Truist dated XX/XX/XXXX indicating they did not receive a payment by the due date on the credit card in question. The only balance on the account was a result of the erroneous charge that is in dispute. I did not take action on this letter because I thought maybe there was lag time between the dispute and the letter. XX/XX/XXXX I received a letter in the mail from Truist dated XX/XX/XXXX notifying me of " delinquent credit obligations '', and a {$27.00} balance with {$11.00} past due on the credit card with the disputed charge. This balance was a result of the {$5.00} charge, and associated late fees, and finance charges. I called Truist regarding this and was transferred to a " supervisor XXXX XXXX '' who told me my account is past due and that I am responsible for the disputed balance until the dispute is completed. This is in direct contradiction with what the first Truist agent told me on XX/XX/XXXX, the multiple letters I received from Truist, and the Fair Credit Billing Act. I paid the balance of {$27.00} to mitigate damage to my credit since Truist chose to violate these federal regulations. " XXXX XXXX '' told me claim XXXX which was a fraud claim was closed XX/XX/XXXX because Truist determined that I had a business relationship with XXXX. XXXX XXXX was opened XX/XX/XXXX as a non-fraud claim. He also told me he did not know why the account was reporting " closed by credit grantor '' and insisted that I must have closed it during my call to dispute the charge. My credit score that was well over XXXX went down nearly XXXX points as a result of Truist reporting this account as delinquent. Truist also closed the account reporting it " closed by creditor '' which is also detrimental to my credit. " XXXX XXXX '' told me that when the claim is completed, I need to call Truist, speak to the Escalation Team and request reimbursement of the {$27.00} I paid. He also told me the dispute should be completed within 45 days of the dispute date, but additional time is allowed for the vendor ( XXXX ) to respond, for a total of 90 days from date of initial dispute. XX/XX/XXXX I disputed this erroneous account information with each of the three credit reporting agencies. Truist confirmed the delinquent payment information was accurate and did not make corrections. XX/XX/XXXX I disputed this incorrect information with the credit reporting agencies ( not sure if all or only XXXX this time ) again and Truist, once again, responded to the dispute confirming the delinquencies as accurate and continued to report a balance despite me paying the balance in full on XX/XX/XXXX. XX/XX/XXXX I went to a local Truist branch XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX and spoke with Senior Relationship Banker XXXX XXXX. I explained this entire painful experience and took all the supporting documentation I had. She indicated that she recognized that the balance and delinquent status of the account was incorrect, and called the Truist call center for guidance on how to correct this information on my credit files. She was also frustrated by the incompetence and lack of knowledge displayed by the call center agents. She eventually spoke to a " credit card specialist '' XXXX who instructed her to complete a " credit card dispute '' form and send it to the credit card department so they could make the appropriate corrections with the three credit reporting agencies. I received a letter from Truist dated XX/XX/XXXX case number XXXX that confirmed that the charge is in dispute. This letter is identical to the one I received dated XX/XX/XXXX with case number XXXX. I don't know why this letter was generated. As of today, this account continues to be incorrectly reported to the credit reporting agencies and is severely impacting my credit rating. In the midst of all this, my employer obtained my credit file while doing a routine random credit check and noted the delinquency. Additionally, on XX/XX/XXXX I applied for pre-approval for an automobile loan with XXXX XXXX, and was denied due to this incorrectly reported information. My income, payment history, credit score, and credit balance ratio is impeccable except for this derogatory account. I posted abbreviated complaints in response to Truist XXXX posts in the hopes of gaining attention to the situation and have gotten no response. As you can see from the above provided information, I have invested a significant amount of time and effort in an attempt to have this corrected. There appear to be at least four cases with Truist regarding this charge, which I believe to be a result of the improper handling of the initial dispute, I am utterly dismayed and appalled by the absolute incompetence of the Truist banking organization. They are willfully and wantonly reporting this derogatory information to the credit reporting agencies. It seems there is nothing else I can do to get this corrected, aside from filing this complaint. I am desperate to have this information corrected, as I have worked very hard to establish my credit profile and would certainly not have compromised it by not paying a {$5.00} charge. I even paid for this charge and all associated fees and charges in an attempt to stop further credit damage. I am in the process of moving all my banking business to a local credit union. I find it hard to believe it is possible for something like this to happen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2023-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A