Consumer complaint received 2024-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
This is to add attachments to my feedback for my complaint XXXX Dear XXXX XXXX XXXX XXXX XX/XX/XXXX, I received your response dated XX/XX/XXXX. Your response alleged that my 3 external transfers of {$910.00} on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, are one day before my direct deposits from Social Security on the first day of each month. Because of that you ask me to pay you amount {$1000.00} now. 

My XX/XX/XXXX bank statement from XXXX XXXX XXXX XXXX XXXX shows clearly that {$910.00} was transferred on XX/XX/XXXX ( XXXX ), not on XX/XX/XXXX as alleged in your response. Similarly, my XX/XX/XXXX bank statement from XXXX XXXX XXXX XXXX XXXX shows clearly that {$910.00} was transferred on XX/XX/XXXX ( XXXX ), not on XX/XX/XXXX as alleged in your response. My XX/XX/XXXX bank statement from XXXX XXXX XXXX XXXX XXXX shows clearly that {$910.00} was transferred on XX/XX/XXXX ( XXXX ), not on XX/XX/XXXX as alleged in your response. 

I scheduled my online transfers since XXXX with over 93 monthly automatic transfers in about 8 years. Each transfer will start at First Business day of Every Month ( XXXX ). Out of 93 transfers, Truist manufactured 3 overdraft incidents in XXXX to collect interests and fees without my knowledge. 

XXXX is the email notification Truist sent me about BB & T become Truist on XX/XX/XXXX. Truist guaranteed that everything will be the same in the notification. Truist failed to notify me that XXXX XXXX would be changed to Truist Ready Now Credit Line with a new credit limit of {$1000.00} from {$300.00}, as required of 45 days in advance. I learned this change first time from your response which delivered 29 months after the change took place in XXXX. 

In early XX/XX/XXXX, I called Truist about some checks. At the end of conversation, Truist representative asked me if I would like to open a credit line or overdraft protection and I declined to open a credit line or overdraft protection. Page XXXX of Truist Personal Services Product and Pricing Guide enclosed in your response provided answers to question of " how do I change my decision for Overdraft Coverage '' -- To change your Overdraft Coverage decision at any time, you may submit a request in one of the following ways : Call XXXX. My refusal to open a credit line for overdraft protection during this phone call will close Truist Ready Now Credit Line if you believe it already exist at that time. 

My second request to close Truist Ready Now Credit Line XXXX was during my call to Truist after I was notified by Truist on XX/XX/XXXX that overdraft fees have been posted. Truist representative informed me that Truist Ready Now Credit Line XXXX was opened under my name. I told her that I did not open any credit line and I don't need XXXX. My third request in writing to close Truist Ready Now Credit Line XXXX was on XX/XX/XXXX with XXXX of Truist. 

Contrary to what you stated in your response that make a payment can prevent the account from being reported to credit reporting agencies, Truist already reported false information to credit reporting agencies before I received your response. Bad faith is a sustained form of deception which consists of entertaining or pretending to entertain one set of feelings while acting as if influenced by another. It is associated with hypocrisy, breach of contract, affectation, and lip service. It involves intentional deceit of others, and self-deception. I ask Truist to correct your bad faith behavior immediately and stop predatory lending practice to senior persons with unethical practices conducted by Truist during a loan origination process that are unfair, deceptive, and fraudulent.

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