Consumer complaint received 2024-05-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
This covers a three year period.

I was repeatedly billed by XXXX XXXX . Initially it was for one account. Then I added another line. When I got a new cell phone, XXXX XXXX claimed they could add an e-sim to my account but, they could not. Since they could not I asked to have the account terminated. They refused and said activation was possible but they needed to verify my debit card number. Then I was to call back and verify the service. I could not because they could not activate a QR code. I did call back on my own cell phone and reported the issue and they needed to verify my payment method because the phone activation did not go through. This resulted in me being billed twice for the same non-existent service. I got rid of the new phone ( it was unlocked ) and yet i was being billed twice . 

I had NO CONTRACT with XXXX XXXX. The double billing continued despite numerous calls and reassurances from XXXX XXXX that I would not be double billed. But, this continued.

I called mt bank, TRUIST to request a dispute a transaction. And the investigation by Truist resulted in my claims being found valid. However, a day or two after the funds were returned,  XXXX XXXX billed  again.  

I called Truist and it was suggested that I cancel my debit card and have a new one issued. I did not want this but it was done and new card  was issued and was to be mailed to me. The card arrived and was activated.  XXXX XXXX immediately began billing me twice using my NEW debit  Card number immediately after activation. 

I called XXXX XXXX immediately because they had reassured me that the duplicate monthly billing would be stopped and it would not happen again. But, it did. Again I called Truist and demanded to speak to the offshore manager after the customer service representative assured me the double billing had been stopped.  She informed me that she knows XXXX XXXX and it is a good company ad she did not want to cause them trouble. So, she ( as a TRUIST ) customer service would not block the XXXX XXXX billing.

I informed her that i had only one account for my phone number but she was indifferent. She informed me, I needed to pay XXXX a month for the duplicate billing to stop it. I informed her that I should not have to pay anything every month to stop the billing for a service I was not receiving. 

She then told me to call XXXX XXXX or she could put me through to them. She did, she actually put me through to XXXX XXXX from her offshore TRUIST customer call service. 

XXXX XXXX employees, three on the call, laughed and informed me, that I as an American could not stop them from duplicate billing. I told them this is illegal an they informed me laughingly, that I cannot stop them because they are not in America. I asked them if they were in XXXX, and they said no but we are in XXXX. 

The duplicate billing occurred. I complained to Truist and had to get yet ANOTHER debit card.  and AGAIN, XXXX XXXX began billing me for non-existent service using my NEW DEBIT Card number, without me giving it to them. This entire scenario repeated until XX/XX/XXXX. I canceled my cell service entirely and switched providers. XXXX XXXX CONFIRMED my account was canceled. 

AGAIN I was double billed for a service which I did not even have because my cell service was being provided by another carrier. I called TRUIST again!! I disputed the transactions again! AGAIN my claims were found to be accurate and the money from XXXX XXXX was refunded to my account.  About two days later I discovered that the XXXX XXXX had retroactively billed my account twice a month for three moths prior and I again disputed the charges and the investigation was found in my favor and the money returned to my account.

Truist again canceled my new debit card and again XXXX XXXX billed e for a service  using my new debit card number. So, here I am awaiting yet another new debit card and XXXX XXXX just billed me for service. It is XX/XX/XXXX and I have had another carrier Since XX/XX/XXXX. 

TRUIST REFUSES to help me by  stopping XXXX XXXX from having at will access to funds in my TRUIST banking account. 




Results for: "XXXX"
XX/XX/XXXX - XX/XX/XXXX
Clear
Transaction activity table
Date	Status	Description	Amount	Transaction Details
XX/XX/XXXX

XX/XX/XXXX
XXXXXXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX  XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*AIRTI XXXX XXXX FL  DEBIT CARD PURCHASE

-XXXX

- view details for XX/XX/XXXX XXXX*AIRTI XXXX XXXX FL  DEBIT CARD PURCHASE
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX  XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXXXXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX  XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXXXXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX  XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXXXXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXXXXXXI XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX
XXXXXXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXXXXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX  XXXX XXXX FL  DEBIT CARD RECURRING PYMT
XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details forXX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXXXXXX  XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX  XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details forXX/XX/XXXX XXXX*XXXX  XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX
XX/XX/XXXX
XXXXXXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX  XXXX XXXX FL  DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details forXX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*AIRTI XXXX XXXX FL DEBIT CARD PURCHASE

-XXXX

- view details for XX/XX/XXXX XXXX*AIRTI XXXX XXXX FL  DEBIT CARD PURCHASE
XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXXXXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD PURCHASE

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL DEBIT CARD PURCHASE
XX/XX/XXXX

XX/XX/XXXX
XXXXXXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXXI XXXX XXXX FL DEBIT CARD RECURRING PYMT
XX/XX/XXXX

XX/XX/XXXX
XXXX*XXXX XXXX XXXX FL DEBIT CARD RECURRING PYMT

-XXXX

- view details for XX/XX/XXXX XXXX*XXXX XXXX XXXX FL  DEBIT CARD RECURRING PYMT
 
View statements  for transactions made before XX/XX/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