Date Received: 2022-01-08
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: Hello, I am having issues with Truist and nobody is trying to fix the issue Ive contacted the customer service department including the fraud department you guys literally took a {$1500.00} scholarship away from me due to system issues. The day I took out 10 grand from my savings account and transferred it to XXXX XXXX account it Limited my account to me no longer being able to make any transfers due to me reaching my limit. Furthermore there was 1500 deposited in my account from my university from a scholarship. I tried transferring that 1500 to my XXXX XXXX so I can then go ahead and close my accounts. However The app told me that I had to wait 24 hours because I reached my limit due to me recently taking out 10 grand out of my savings. So the next day I tried to do the transaction again still did not go through. But both transactions were pending on my account. Nothing never transferred over to my XXXX XXXX. So when I woke up the next day I seen that you guys overdrafted my account for {$1500.00} and literally took that {$1500.00} scholarship money. You guys owe me {$1500.00} and if I do not get my money in this overdraft taken off of my account I will be taking truist to court. I literally been contacting you guys back-and-forth and you keep putting me between the fraud department and customer service department and these people literally arent even able to help me and keep passing me back-and-forth between departments. Those two transactions states that it went through but I NEVER received my 1500 to my XXXX XXXX!! I literally gave my whole entire XXXX statements to the customer service department thinking that they will fix it but they said I have to contact the fraud department then the fraud department is saying that its nothing that you guys can do I want my {$1500.00} back and a negative balance so we removed off of my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-07
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: My auto loan company, Regional Acceptance Corporation, has my name spelled incorrectly in their account. I have been trying to contact the company through various channels multiple times during the past 1-2 years ( written, e-mail, phone ), to get it spelled correctly. However, the call never goes through to a person and only cycles me through automated responses, and e-mails and written letters have not led to any response from the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed the credit card, but they charge me membership fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33401
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/XXXX I requested a payoff quote for my vehicle from XXXX. They emailed me a quote the same day showing a payoff amount of {$3600.00} with a expiration date of XX/XX/XXXX. On XX/XX/XXXX I sent in the full payoff by check. On or around XX/XX/XXXX they attempted to withdrawal my car payment, even though they had the payoff funds. I called the company to ask why they were pulling a payment. I was told that they did have the funds, but they had not been processed yet. They said to place a stop on the payment with my bank, as the loan would be satisfied in the next few days. Now they are telling me that my loan is not satisfied unless I make that payment, but I paid the amount listed on the payoff quote long before the expiration date. I think they held my payoff funds to exploit another payment from me. They have tried to pull that payment again, which caused my account to be charged a NSF fee. Ive spoken to an Operations Manager named XXXX several times. On XX/XX/XXXX he verified that the funds to payoff the loan were in suspense and would be applied over the next two days. He promised me a call back on XX/XX/XXXX, which never happened. I called back today XX/XX/XXXX, and was told that the payoff was short by the monthly payment amount of {$230.00}. Why would they try pulling a payment when they had the full payoff amount in hand? This company is trying to exploit XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX I called Regional Acceptance Corporation informing them that I had voluntarily dismissed my XXXX XXXX and I would be selling the XXXX XXXX vehicle I had financed through them XX/XX/XXXX. I was assured by the representative I spoke to as long as I paid the balance off in full by XX/XX/XXXX my account would not be marked as a charge off. After hearing this, I called XXXX and informed them of the status of my account with Regional Acceptance Corporation and XXXX was fine with paying off the vehicle. The next day on XX/XX/XXXX, I called and spoke with a representative from Regional Acceptance Corporation and informed them that XXXX had agreed to purchase the vehicle and they would be getting paid off in full. My goal in doing so was to ensure Regional Acceptance Corporation would get paid rather than having the company go through the process of writing off the debt. I again explained this to the representative I spoke to. She explained to me should would speak with management and notated the file. She also provided me the number to their internal Charge Off department. I made a call to this department on XXXX XXXX at XXXX pm explaining that I had an appointment with XXXX for later that day and Regional Acceptance Corporation would be paid off in full. The representative told me that as long as I completed the transaction before midnight on the XXXX of XXXX I would be fine because my account hadn't yet been fully processed for being charged off as it was still pending. I sold the XXXX XXXX to XXXX at XXXX pm on XX/XX/XXXX. XXXX called and got the estimated payoff amount from Regional Acceptance Corporation since they were open until XXXX. Once XXXX got the payoff amount I had to put {$420.00} to match the 10 day payoff amount. Once XXXX completed the transaction they informed me to let Regional Acceptance Corporation know the balance is paid in full and they will be receiving a check in the mail. I called the Charge Off department at Regional Acceptance Corporation on XX/XX/XXXX at XXXX. I spoke to someone named XXXX. XXXX told me to fax over the proof of sale I had from XXXX and she would talk to management to see what could be done since I had sold the car before the deadline before the XXXX XXXX was processed. She mentioned someone would call me back since I was trying to make things right and by paying off the debt completely. I proceeded to fax over all necessary documentation to Regional Acceptance and on the afternoon of XX/XX/XXXX and tried calling to confirm they had received the documents. No one would take my call. On XX/XX/XXXX I got a notification from all XXXX Credit Bureaus indicating that Regional Acceptance Corporation had reported my auto loan as charged off. My credit took a huge hit. I am beyond disappointed as I spoke to several individuals who assured me that if I paid off the balance in full I would not have to worry about my account being flagged as charged off. I worked hard to ensure they would get paid in full. I understand that my payments were behind due to the way the Trustee in the voluntarily dismissed XXXX XXXX allocated the payments. I however did my due diligence in trying to work a solution where they would get their money and loan paid in full. I kept my end of the bargain. They did not. Instead they decided to unfairly report my previous loan with them as charged off despite making arrangements with me that this would not be the case as long as the account was paid in full. This is a violation of the Fair Credit Reporting Act. They should not have reported the account as being charged off for the month of XXXX when I paid off the balance in full prior to the end of XXXX. Please see the attached documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my mortgage and paid off the loan with Suntrust ( now Truist ) at the end of XXXX. They owed me the escrow balance of {$2900.00}. I was told that I would receive the payment within 15 days. I called back after the 15 days and was told that there was a pending inquiry and to call back on XX/XX/XXXX. I asked if I could have the payment sent by wire-transfer or direct deposit, and was told " NO ''. I called back on the XXXX and was told that the payment was processed and that I would receive it within 15 days. I called back today ( XX/XX/XXXX ) and was told that I had to wait until XX/XX/XXXX ( 30 days after the date of my Final Escrow Account Statement ) to request a new check to be issued. I asked again if I could have my payment issued via direct deposit or wire transfer, and was again told " NO ''. I just want my refund that is due to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73107
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello Suntrust closed a business account because they indicated they noticed fraud. The account was a business account XXXX XXXXXXXX XXXX XXXX XXXX. They advised on XX/XX/2020 a check was deposited into the business account in the amount of XXXX which was a fake check. On Saturday XX/XX/2020 I was advised the check was fraudulent however at that time Suntrust bank was closed so on XX/XX/2020 I went into the local branch and advised the manager the check was fraudulent. At that time the manager advised the check was already deposited and it was nothing she could do. She advised if the check is deemed to be fraud, the account would be closed and I would receive my deposit of XXXX via check, she also stated I could attempt to establish a new account within 30 days. The account was closed and I did receive the XXXX via check. I never attempted to get money from the check, no one lost money. I did not willing put a fake check into my account. I am not the police nor do I work for a bank, therefore I was not able to tell the check was fake prior to making the deposit. I rendered services to the person that wrote the check, so I lost money as well. I do not want to reopen an account with SunTrust however I do not want Suntrust reporting to consumer reporting agencies that I committed fraud against their bank. I have never committed fraud a day in my life. The definition of fraud is : wrongful or criminal deception intended to result in financial or personal gain. I did not intend to commit fraud and when I found out I went to the bank and told them. I did not benefit from this situation, I actually lost. I do not want SUNTRUST reporting that my account was closed due to fraud because fraud was not committed at all. I will like to speak to someone about this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30008
Submitted Via: Web
Date Sent: 2022-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: This company is attempting to collect a debt that is more than XXXX years old with the original creditor. I would like for this debt collection to stopped and be removed from any of the credit reporting agencies. Also, this was reported incorrectly. This was a voluntary repossession, not involuntary. The vehicle was dropped off at a XXXX dealership in XXXX, TX by my ex.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19131
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Truist Bank has implemented a new online banking system following the merger with Suntrust and BB & T which is far less customer service driven and is very inefficient and cumbersome to use. I have attempted to resolove this issue with the online Chat feature through Truist on 2 occassions, both attempts with open chat for well over an hour with ZERO updates or response. Additionally, I called the 800 Customer Service number and sometime after the 45 minute hold time, the line went dead. the changee I need to get a copy of a check that was cleared on XX/XX/21 but the " new '' Truist system will not show images of checks after 60 days. The 'old ' Suntrust online app would let you go back more than 12 months. From what I have been able to gather with XXXX searches and online complaints, the only way to get the check is to make a request, pay {$5.00} and wait XXXX days for it to be mailed to you. Since banks no longer return processed checks for record keeping and filing as in the past, they have always allowed you to access your account and print checks you need for more than 12 months. I am able to do with with my Regions, XXXX XXXX and XXXX. In fact, XXXX includes a page of your check images for the statement period. My issue with TRUIST is that they have deminished the customer online access and functionality so that they can generate more funds with ridiculous charges for services and that they have EXCESSIVE ( more than an hour ) wait times to recieve a response through chat or the customer service phone line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32312
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I re-financed my vehicle on XX/XX/XXXX with another finance company XXXX XXXX XXXX XXXX, original loan was with regional XXXX XXXX of which originally they did not fix the credit hit when I bought the vehicle in XX/XX/XXXX either. I got credit report on XX/XX/XXXX shows regional acceptance reporting late payments and payoff of loan and was docked XXXX points on all 3 credit Bureaus I called regional and spoke with XXXX @ ext XXXX who confirmed the vehicle was paid in full on XX/XX/XXXX and there were no issues or late payments due. Told me I have to take the matter up with XXXX, XXXX, XXXX bureaus because XXXX XXXX doesnt have a credit department, I asked the question ; well regional reported it so you must have someone. XXXX stated no. So here I am trying to resolve the matter because I am in the middle of purchasing a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99354
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A