Consumer complaint received 2023-03-19
Company: TRUIST FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
since XXXX  cosigns these companies then XXXX should step in a moderate the situation when their logo is on these cards and their websites states they will stand behind the merchant withe their 0 day liability policy then they need to put these cosigns into action i have truist and wisely issue... two issues and i have wrote to the companies already and truist nor wisely have not responded wisely dont even give u a email I was given the a wisely card on XXXX card # XXXX, when I tried to activate it, I was unable to because they said the card was already deactivated and this was my first check with this company which has caused me not to go back to work until this is corrected my insurance has cancelled, and the agents are not notifying me how to correctly file a dispute actually they are doing everything but tell me the correct steps to take to file a dispute. Because I am missing {$170.00} dollars and I need a XXXX XXXX XXXX was already 4 days late then and now I have waited an additional 5 days yet your policy states that I should not have to wait while this is being investigated nor should I have to wait when visa has it 0 days liability ... I filed a dispute with wisely and also put in for a XXXX  XXXX  but if was also told that I would receive notification pertaining to a dispute and XXXX  XXXX  within 1 to 2 days, this was done on XXXX  XXXXand a have bills that are due and I hope this can be corrected if not I am going to notify your bank 's regulators and every complaint I can about this issue... 





There are multiple errors on account from XXXX to XXXX. Never made a {$300.00} transaction, because I never received a card to make transactions from the XXXX accounts from which the account was a promo that I was to receive {$200.00} credit after direct deposit never received the {$200.00} for opening up the account after direct deposit. Merchants issues with refunds over {$500.00} in refund after account was closed on XXXX, was told account would be credited, never even received notification that the refund came to account kept being told merchant has the refunds, who was XXXX, they refused to check XXXX number, refunds should have been refunded to me instead they were distributed to collections for an account I never received any information that I owed for an account from 8 years ago, was even allowed to open several accounts with truist also truist is charging me for declined transactions with debit card {$36.00} a piece. Over {$300.00} in declined purchases never had overdraft. Many disputes were denied that should have been approved, also had XXXX  told Truist I didnt have them as an insurance company truist still allowed XXXX  to take my money in a recuring charge all year XXXX  and I paid 2 insurance companies because they refused to dispute it, just as they refused to dispute a lot of fraudulent transactions at atm and online. 
Truist owes me from XXXX to XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation