Date Received: 2022-04-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I had my cell phone stolen and used via XXXX to strand get funds out of my bank account and they gave me a credit but proceeded to take it away and everytime I call they say they will email me a rebuttle form but never does. They even said they would send one to my mail and never did. It was only for 750 $ so I dont understand why they are making it a big deal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31904
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I rec 'd a call from XXXX XXXX of Truist Bank at XXXX on XX/XX/XXXX. She wanted to argue about my recent payment. Frankly, if we are arguing about me making a payment, I feel sorry for anyone that actually needs Truist Bank. They should be restricted in all of their ability to lend money. On XX/XX/XXXX, I submitted 2 payments to Truist as their website will only allow a max payment of {$99000.00}. I entered this payment followed by a payment of {$12000.00} electronically through by Truist Checking account. At that time, I owed Truist the following on my account : {$110000.00} PLUS interest from XXXX at {$15.00} per day ( {$270.00} ). This totals {$110000.00}. My expectation was that my XX/XX/XXXX payment would more than cover the {$220.00} that I owed Truist. They would adjust the dollars and refund me the difference OR communicate with me as a client. Instead, they declined the first payment of {$99000.00}. This is incorrect. There are 3 things I would like to point out regarding the mortgage contract : 1 ) There is no prepayment penalty, 2 ) Payments are made in arrears, 3 ) they are simple interest loans ( billed monthly but interest accrues daily ). At this point, my second payment of {$99000.00} appears to be suspended. I do not know what will happen XXXX but I certainly do not want to hear from XXXX again. Her call was ridiculous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29615
Submitted Via: Web
Date Sent: 2022-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: ITs incredible simple, The bank Suntrust changed to truist. They refuse to let you pay online without a checking account, I have several checking accounts and am not opening another one. So I had a payment book, they sent a 1 year payment book and at the end of it with every payment being made on time, I have been waiting for 2 months since my last payment was made and they DO NOT have any customer service reps available to help me. Phone support has had me on hold for over 4 hours at 2 consecutive intervals. They changed phone menu so I can not pay over the phone. I've never had a bank send me a 1 year payment book for a 5 year loan, that already makes no sense. Then I've never had a bank just outright never send a payment book and have the audacity to charge me late fees. Its like they are using a tactic to repo my vehicle so they can sell it at inflated current prices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: On XX/XX/XXXX, I wrote my check number XXXX on my Truist bank checking account, payable to XXXX XXXX, in the amount of {$1100.00}, in payment of my prior month 's credit card charges. On that same date, XX/XX/XXXX, as I have done more than a hundred times before, I deposited my check together with payment slip, in the U.S. Postal services " blue box '' which is located adjacent to the Post Office facility on XXXX XXXX in XXXX XXXX. On XX/XX/XXXX, I discovered that my check number XXXX, payable to XXXX XXXX had not cleared my bank, Truist Bank, as I was expecting, and was still outstanding. My check still had not cleared Truist Bank by XX/XX/XXXX, XXXX days before the due date for my credit card bill. In order to avoid a late payment penalty, as instructed by XXXX Bank, I made a telephone payment to XXXX Bank on XX/XX/XXXX in the amount of {$1100.00}. I monitored on line the activity on my checking account, and discovered that my check number XXXX cleared my Truist Bank account on XX/XX/XXXX. However, the amount was listed as {$2400.00}. instead of the {$1100.00} as I had written it for. I made an enlarged copy of this check from Truist 's records, and discovered that other changes had been made to my check. Instead of the payee being XXXX XXXX, as I had written, the payee had been changed to " XXXX XXXX, '' and in the lower left memo area, where I had written the last 4 letters of my credit card, the word " assistance '' had been written. Finally, the date on my check had been changed to " XX/XX/XXXX '', instead of of XX/XX/XXXX, as I had originally written. Truist Bank charged my bank account {$2400.00}, on XX/XX/XXXX, the altered amount and date on my check, and presumably the date that " XXXX XXXX '' presented my altered check " for mobile deposit into [ his account ] at XXXX XXXX Bank account only, '' as is written on the endorsement on the back of my altered check. I do not know who this " XXXX XXXX '' is, nor have I met anyone by that name. On XX/XX/XXXX, I visited my local Truist Bank facility located on XXXX XXXX XXXX in the city of XXXX, XXXX XXXXo file a claim and XXXX XXXX XXXX, and to close my checking account and open a new one. Truist Bank associate, XXXX XXXX, assisted me and filled out paper work regarding this matter. XXXX XXXX told me that " XXXX XXXX bank would have to stand the loss '', and promised that my money would be restored to my account " in a few days. '' When my money was not restored to my bank account, I visited XXXX XXXX, and a second bank manager, XXXX XXXX at Truist bank, and was told that I would have to wait up to 90 days to have my money restored, as this was the bank 's " procedures. '' But, XXXX XXXX told me that since my Fraud claim had been proven 100 %, I would not have to wait the full 90 days to have my {$2400.00}. restored to my account. When I had not heard anything further from XXXX XXXX or Truist bank by mid XXXX, I returned to the bank to check on this matter. XXXX XXXX ( and XXXX XXXX ) apologized to me and said I should be patient, that the matter was taking a " little '' longer than usual. XXXX XXXX asked me to return on XX/XX/XXXX, by which time the matter should be resolved. It is now XX/XX/XXXX, and my claim has still not been resolved. I have called and/or been back to Truist 's XXXX XXXX XXXX bank XXXX many times since the initiation of my claim, but each time the only answer that I get from XXXX XXXX or XXXX XXXX is XXXX we are working on it '' or that it is " pending ''. Obviously they are not working on it. It has been almost 5 months, and it is obvious that XXXXruist Bank 's Fraud unit is not " working on it. '' I have called Truist 's Fraud unit many, many times, only to be put on hold for one hour or more each time, and to be told that they are " still working '' on my claim. They will not or can not tell me what specific steps they are taking to resolve my claim. It is useless to make any further calls to Truist. I have visited truist 's local bank facilities many, many times, with no result. I have written two letters to XXXX XXXX XXXX, the CEO of Truist Financial Corporation, asking for his assistance in this matter ( XX/XX/XXXX, and XX/XX/XXXX ). XXXX XXXX has not seen fit to respond to my two letters, or do anything to resolve my Fraud Claim -- - even after I told him that I am also a substantial stock holder ( XXXX shares in Truist Bank ). However, I did receive a XX/XX/XXXX self-serving letter from a XXXX XXXX XXXX XXXX who claims to be a " Client Resolution Senior Specialist '' in Truist Bank 's Client Advovcacy department. In her letter, XXXX XXXX states that she appreciates the opportunity to respond on behalf of XXXX XXXX. She states that Truist 's mission is to " Provide distinctive, secure and successful client experiences through touch and technology '', and that " we strive to deliver the experience reflected in our mission with every client interaction '' and that she regrets that I did not receive a response to my previous correspondence. '' She states that Truist had sent a " request to the bank of first deposit ( XXXX XXXX ) requesting the return of the funds. '' XXXX XXXX did not remove my {$2400.00}. from my bank account with Truist Bank. Truist Bank did the removing, based on a fraud check. She states that " if our collection efforts are successful, your account will be credited at that time. '' What happens if her " collection efforts are not successful? She states that since the " disputed check '' was negotiated at XXXX XXXX, they are responsible for the return of the funds What " disputed check '' is she talking about? There is no disputed check, only a fraud check that Truist deducted from my checking account. XXXX XXXX states that " Should you have any further questions regarding this matter, please contact Centralized Fraud Claims at XXXX. This is the same number I have called many times only to be put on hold for an hour or more, and then either hung up on, or not given any information! XXXX XXXX ends her letter to me thusly : " XXXX XXXX, thank you for bringing your recent concerns to our attention, Your comments are very important to us and we consider it a privilege to serve your financial needs. I appreciate the opportunity to respond on behalf of our executive. Some advocate!!! Thank you for your assistance. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: when I was moving to New York, I had to use my Suntrust/Truist checking account to pay my deposit. This was XX/XX/2021. They refused to release my money. I could not even use money orders from the account. I almost lost my apartment. I kept calling their customer service and being put on hold for hours, hung up on all while at the post office in XXXX. Then, after I finally got through and they released my money, I tried transferring more money into the account. I was confirmed that I had in fact deposited an additional XXXX dollars. They then hit me with XXXX dollars in overdraft fees, because when I hit 'transfer ' their system was down and the money was not in the checking account. But on my end the money showed as transferred. I have called repeatedly and begged with them to credit my account the XXXX dollars they stole from me, and they told me they can not help me! That's my money! That is stealing! I even went in person twice to a Truist bank in Florida, both times the wait times were horrific and they said it would take two hours because they were short staffed. I asked to speak the supervisor, and he was busy too. This is completely unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70118
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2022, I received an email saying that a six hundred dollar charge was sent thru my account that was pending after checking my account which opened to check. While my account was still up I called whatever number they express to cancel whatever charge this was. They sent another email saying it was confirmation of my cancellation only that when I opened the email it had looked like someone put money in my account {$5000.00} more than I had in my account I started freaking out that I might be in some trouble and was about to call my bank. That is when in one second all my money in my account looked like it was gone. They threatened me that they have to get back their money or all was going to be missing. They had me running from one store to another buying gift cards to send back their money after about {$3000.00} my bank Suntrust who now merged with Truist called to advise that I was having fraudulent-looking charges on my account to which I told them everything. I made a complaint to the gift card company. I filed Complaints with ftc.gov/scams report number : XXXX and my State Attorney General. I never would have made any of these transactions if I was not under duress. Please assist if you can. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I had a card opened with a company called Truist, a company based in North Carolina. I live in Oregon, so someone must've gotten my government identity to file for this card. They proceeded to charge XXXX dollars, overdrafting said card and potentially damaging my credit in the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hi, I was a member of BB & T Bank, but the bank was taken over by Truist Bank. A credit account named " Constant Credit '' was created without my knowledge by Truist Bank, with a credit line of {$500.00} last year ( XXXX ). I have paid these debts and fees as of XX/XX/XXXX. I have attached the credit reports via XXXX proving so. I am still receiving calls for debt collection and additional fees, and late fees. The payments shown on the XXXX credit reports also show I have overpaid the debt amount. Please help, 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: NV
Zip: 89101
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX banks with Truist Bank and on XX/XX/2022, XXXX wired {$100000.00}, through their XXXX XXXX System to XXXX XXXX ( the recipient ) a vendor in XXXX to purchase vehicles for our XXXX Project. The recipient bank XXXX XXXX is in the XXXX XXXX XXXXXXXX XXXX use the recipient account number and the swift code to do the wire. The wire went through XXXX XXXX. On XX/XX/2022, the wire was returned in the amount of {$100000.00} and the return documents says the originator of the wire was XXXX XXXX XXXX in XXXX and the invalid XXXX was used. XXXX never used the XXXX to do the wire and after several attempts to contact Truist, who gave the same explanation as the returned advise, XXXX was unable to find out the real problem. Many attempts to Truist XXXX wire department resulted in waiting time of 20 to 30 minutes and one such call resulted in 1 hour and 15 minutes with no one answering the phone. Finally after XXXX XXXX XXXX threatened to complain to CFPB we were given several names which resulted in a phone number to some who finally told XXXX, the reason the wire was returned was wires to the XXXX XXXX XXXX is because only XXXX can be used to do wires. The problem is this should have been a flag for the Truist wire system. Why did it take to funds seven days to be returned to XXXXXXXX XXXX bank? Why did Truist no tell XXXX the real reason the wire failed and why is the XXXX number a dead end? Why was {$90.00} taken our of a wire that never went anywhere?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-04-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am XXXX XXXX and I am submitting this complaint against BRANCH B & T BRANCH B & t has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ). All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to BRANCH B & T to FURNISH this account/item. The DATE OPENED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND BRANCH B & T to delete this account/item within 4 business days ( Exhibits provided ) BRANCH B & T duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79707
Submitted Via: Web
Date Sent: 2022-04-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A