Consumer complaint received 2025-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: TRUIST FINANCIAL CORPORATION
State: AZ

Complaint narrative:
XXXX XXXX  number XXXXXXXXA Loan compang text me. I get multi0le loan offers after signup and putti g my info to see if i qualify qith lenders. \n\nI recievwd many loans saying im not approved. I receueve some saying i am.\n\nOne particular loan company sends me a text.\nIn their text recieced a chart image showing i was approved for loans with the chart displaying how much my monthly payment wuld be for whatever loan amount i borrowed from them. I attached the chart in the files . The chart said it was from the company Sun Trust a division of Sun Trust.\n\nI called back to see how they can help. Tells me im approved and approved for up to XXXX. I belive it because i figure mybe im approved based on my income since every monday at least XXXX  hits my account and sometimes more. \n\nI said ok ill get one for XXXX. I think to myself with my income eranongs i should be able to keep up with paying back XXXX  every month for two years speaking that a one week check can pay that back with just half of the 1 week check. \nThey ask for a few basic questions details to verify its me he says. They state they are processing my application and keep tellong me im approver. They had me tall to 3 dofferent people i know two of the namea were XXXX  and XXXX  from Light Stream A division of suntrust as they go by. \nI notice some red flags but still think its lagit. \nThey say ok they are deposting it in.\n\nSo they want to log into my accpunt to male sure i will be able to pay them back since my credit scpre is bad. Didnt make sense to me but i still trusted it didnt think anyone would go this far to frauding me so i didnt even  think it they would.\n\nThey twll me check my balqnce in 2 hours and give them a call when i see it.\n\n2 hours later i check my balance and see nothing accept for my own funds from my job which was XXXX  that day. I tell him of that he says ok they qill depaoit by tomorow morning. Thinking its lagit i decide to get a motel for one day for XXXX  dollars out of my money.\n\nMorning comes i see theres a depsoit they made (XXXX  & XXXX  from Lightstream a divison of suntrust.) for $XXXX.\n\nI notice XXXXXXXX was available in my account. I call and ask the bank about it and they tell me when its pending its somtimes usualy depposits half since ypu reccieved a mobole depsoit credit he tells me and that the remaing would be in the next day.\n\nI call XXXX of it that i did receueve the loan but just for XXXX. He says ok thats ok the next steo is in order to process the rest they would need me to go put the money on XXXX XXXX, a XXXX  debit card, or XXXX  XXXX  card. He says they have to go through this step to double check everything on their end  because many ppl have not payd them back their loans on time this steo was due to me having a low credit score i was told from him.\n\nI go to XXXX  ask of they had the card they tell me they didnt. I tell lightstream that company that ans rhen he ask of theres a XXXX  or XXXX   near my job? ai say i can do ot aftwr 4 when im off beacuse my break is almost over. He says if i can do ot before 4 i get the remaing loan now if not it will be in next day. I follow his instructions go to the nearest cvs to my job and try to pay to load  XXXX. Cashier said they only take cash so i withdrew it from their bmo atm they had and pit it on there. He tells me scratcj tjw fron part and take a clear pic then send it to him. and again tells me once i do that he will for sure send the remaing of the whole loan and will send it once he calls bsck in another 2 hours. \n\n1 hours later he brings me through the step again to have him sign into my online banking and ask for the code sent to my phone same as he did the first time when he logged in a day before.\n\nI get off work i log in my account then it shows XXXX in my checkings is availabe and XXXX  in my savings. That whole thing threw me pff completly because i was wondering how did XXXX  get into my savings why not all in one how did that happen and why for XXXX  with XXXX  total of XXXX. I start then thinking so he prpbably is a real loan then and mybe everything is still all processing through. (right prior to accpunt showing XXXX  and XXXX  i had XXXX  dollars in my checkings from my own job money and XXXX  dollara in my savings as well from that. Few hours later after grabbing cofee i decide to go tp the atm to take put the loan he givin me but the atm said it couldnt. I figured mube thats due to processing not the loan frauding me. Morning comes and i try to get gas and it denies me card again.\n\nI start then trying to put the all the puzzles together in my head. I started adding up the red flags. I notice im getting fraud because i keep askomg myself why did i need to do the step of loading funds on to a guft card and retrievong the code back to him for? I think this is not good on my account what he is trying to do to me.I think why does it take thisblong to recueve what they kept telling me would happen hours and a day ago.\n\nI call and ask bank reasons for not being able to use card to get gas. I get informee that the deposits loan i recieved from XXXX XXXX XXXX lightream division of suntrust is were not lagit and acclint will go inder review for 14 days and of i jave a paycheck on the way they will send it to me by mail if they close the account or it will be on there still of they dont in 14 calender days.\n\nI tell XXXX  from Lightstream  i no longer want to move forward and receieve loans and do buisness with them moving forward with their company. I tell him please stop and i address and ask him directly through text if he was frauding me and informed him that he mest up my life because whatever he did to my account caused me to have to twll my job i canr conutie to go to worl for two weeks becayse i dont have gas because i wont be able to receieve my monday paychecks i alway recieved from my job and was is glong to cause me to have to navigate tnrough a chllenging time or extremes upheaval.\n\nHe keeps going in the text saying he is lagit and wants to send the rest. I then save the texts and screenshot the conversation here.\n\nI have images and proof of their text of them lieng to me as they are a real lpan company when realy not.\n\nPhone numbers of needed who i spoke to who told me they process me a loan phone numbers and names areXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Lighstream a divison of suntrust company.'

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