Credit card or prepaid card -- Problem with a purchase shown on your statement -- Complaint #7257096
Complaint Overview
Complaint ID: 7257096
Company: Truist Financial Corporation
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: Credit card company isn't resolving a dispute about a purchase on your statement
State: Florida
ZIP Code: 34238
Date Received: 2023-07-15T12:00:00-05:00
Date Sent to Company: 2023-07-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
A fraudulent charge was put on my account. I reported it the next day. Agent credited the charge, closed the account, opened a new one and then debited the charge again on new account. I called over 30 times and filed a complaint with you. They provided an invalid response, and credited an XXXX charge from XXXX which was not part of my complaint at all. That XXXX charge was reversed by XXXX and did not need crediting back to my account. This is another example of the fraud or incompetence going on with this bank. The letter I received in response to my complaint states the second account will remain open until the fraud charge investigation is resolved. It has been 4 months. How long do you allow a bank to take to resolve a fraudulent charge. They sent me a copy of a letter I never received from them, saying I would not be responsible for the fraudulent charge while it is being investigate, but they are placing late fees, collection calls and interest on the remaining balance. Clearly, this ageny wasn't able to help me and I am sure there are many little people out there who are being robbed by this bank, just like me. To protect my credit, I had to pay the balance I don't owe. I want to know what is the resolution to Truist Case # XXXX and why I am being charge finance charges and late fees which must be credited when this is resolved. This claims is over almost 150 days old. What is the law regarding consumer disputes and failure to respond by credit card companies? I also want to know why they credited {$34.00} to my account for Truist Case # XXXX, when XXXX had already realized the duplicate charges and reversed their own charge. They didn't bother to even look at the account, they just returned the {$34.00} without any investigation. However, the other is pending 150- days. Now, Truist owes money to XXXX as well.
Frequently Asked Questions
What is Complaint #7257096 about?
Complaint #7257096 was filed against Truist Financial Corporation regarding Credit card or prepaid card specifically about Problem with a purchase shown on your statement. It was received by the CFPB on 2023-07-15T12:00:00-05:00.
How did Truist Financial Corporation respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card or prepaid card) and describe your issue in detail.
Can I see other complaints against Truist Financial Corporation?
Yes, visit the Truist Financial Corporation company profile at readthecomplaint.com/company/truist-financial-corporation to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.