Consumer complaint received 2021-10-28
Company: TRUIST FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
I have no credit score and a messed up credit reports ThatI have Been persistently on a daily basis try to get it straight and get a credit score as well they were different last names on my credit report as Well as the wrong addresses so I can not get a loan so I received a phone call about a loan and they told me that since my account has not been opened at my XXXX  XXXX XXXX for only five months that I would have to go open the checking account at BB & T so I didnt go that day and I waited and I thought about it and then they called again so knowing that people scam people I was desperate and it was very persuasive so I went to open up the checking account the next day when I entered into the lobby of the bank it was an obnoxiously long wait while they were like two bankers in the office with one guy that was sitting in the lobby with me that was acting all like kind of rude like it was weird because I dont know these people so finally they call my name and I went into the banker he was the manager as well the manager of the bank BB & T on XXXX XXXX and XXXX XXXX I guess now its truist bank so I told the man what happened and I guess she did something like look up my account and I told him the reason why am they are doing it is because I tried to do it online but it said to come in with my ID verification before I could open the account so thats why I went into the branch so he looked at my stuff and he actually glanced at my ID and my Social Security card several times very oddly and he talked about on the count that I had when I was like 21 and it was like {$400.00} I owed but it was when the bank has called XXXX  XXXX  and that is over 20 years ago XXXX  XXXX years old I was like XXXX and its not on my credit reports or anything at least XXXX XXXX XXXX or XXXX and he told me that he hast to call the online people on the phone so he called the online people and nothing was really said and they just didnt open up the account and he said he couldnt open up the account but yet I thought that was odd when I went home so for a couple days I was thinking about it and I tried to call the branch at the one 800 number and when you called it asked you to verify your account by your social or your account number so I put in my social and it asked me for my pin then I dont know the pin because I never set up a pin because they said I couldnt open up the account so then I finally get through to the people at the bank and I told him why do I have a pin number and all this if I dont have an account and so the next day after them not helping me at all theyre not doing anything to help me whatsoever they wouldnt do a fraud claim they wouldnt do anything to help me I called the next day and I put in my social and it doesnt ask me for the pin number it just goes right to the operators it says nothing and it says Im connecting you to the customer care but when I called back to say OK I wonder if it does that with everybody social so I try to two of my friends socials that were sitting right there with me and when I enter in their social SS Social Security number you have entered does not match any account but when Im putting mine it doesnt say put the pin number in anymore and it doesnt say put the pin number in on my friends but it just connects me right to a customer care instead of saying the Social Security number that you were putting in is not found or doesnt match an account because I dont have an account there either and neither does my friends so its very obvious as what has happened

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