Date Received: 2017-09-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX It is my belief that SunTrust Bank has/had illegally opened a SunTrust Consumer Credit Card account in my name in XX/XX/XXXX without my knowledge or consent. I just found out about it because I had received a letter from the SunTrust Bank in XXXX, Tn. dated XX/XX/XXXX stating " Upon review of your SunTrust Consumer Credit Account, we see that you have not used your Account in several months. '' This was the first that I learned of my having a credit card account with SunTrust. On or around XX/XX/XXXX I called the toll free number in the letter ( XXXX ) and spoke with a women by the name of XXXX who advised that I would need to go to my local bank regarding the problem ; I told her I was not about to run all over town trying to resolve a problem that they started. A claim number of XXXX was assigned to this issue. On or around the day after my conversation with XXXX I received a telephone call from a gentleman named XXXX who asserted that this matter was a " fraud issue '' and would be sending appropriate paperwork for me to fill out and file. I told him this was not a " fraud issue '' ; that it was done by someone who works in the bank itself. On XX/XX/XXXX I received an email from SunTrust at my XXXX account of issues with the credit card account. Shortly there after I received another letter from SunTrust Bank dated XX/XX/XXXX that they have " accepted our dispute on the basis of fraud and would be happy to investigate this matter on your behalf. '' The letter than goes on to request personal information, etc. I believe that what has happened is : Sometime in XX/XX/XXXX I purchased a truck from XXXX XXXX XXXX dealership in XXXX XXXX, Fl. that SunTrust was the bank that XXXX went through for the financing ; which means that the personal information ( drivers license, social security number, etc. ) that the XX/XX/XXXX SunTrust letter was requested they had to already have had it from my initial application via XXXX XXXX for the purchase of the truck loan application. Shortly thereafter in XX/XX/XXXX I paid the truck off in full. After a review of my credit rating through XXXX XXXX on XX/XX/XXXX ; XXXX XXXX reported the SunTrust Consumer Credit Account opened XX/XX/XXXX. I have asked for copies of the credit card application that had been filled out but have received no cooperation from the bank ... they are now trying to " blow smoke '' that this is a fraud issue. I believe that someone at the bank opened this account. What is also interesting is that I never received any credit card account statements during these past years. Do the banks and/or employees have or get any compensation for opening these accounts? And do car dealerships get anything from these issues? I believe that the only reason that this matter has come to a head is that they are " purging '' accounts that have not had any activity and this popped up. I am filing this matter with you and under the Dodd/Frank Act through your organization. Please respond. Sincerely, XXXX XXXX XXXX All documents regarding this matter would be faxed to you upon your request. Not able to send with this complaint ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2017-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-02
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified. However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-09-02
Issue: Getting the loan
Subissue:
Consumer Complaint: This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2017-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust. In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account. Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX. While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on. I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time. I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2017-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card. SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: INTRODUCTION On XX/XX/XXXXI purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX, the alleged reason for its delay was because all their watches are made by hand. After the merchant failed to comply with the delivery date, I canceled the transaction. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( Case No. XXXX ). On XX/XX/XXXX, Suntrust Bank declined to investigate my claim and credit my account with the amount in dispute. On XX/XX/XXXX, I submitted a formal complaint to the Federal Reserve Consumer Help. On or XX/XX/XXXX I was told that my complaint was forwarded to the Consumer Financial Protection Bureau ( CFPB ). On orXX/XX/XXXX, the company responded and the CFPB closed my complaint. On XX/XX/XXXX, I submitted another complaint to the CFPB and on XX/XX/XXXX the CFPB closed my complaint with an explanation. This is a new complaint because : ( A ) There is a new information regarding this matter, and ( B ) Contrary to the Banks response, they did not addressed the issues raised in my complaint. ARGUMENTS I. I exhausted my resources to resolve the dispute with the merchant. On XX/XX/XXXX, Suntrust responded : because I did not receive the merchandise, I had to dispute this directly with the merchant. I reported to the Bank that I exhausted my resources to resolve the dispute directly with the merchant, without the bank intervention. On numerous occasions I contacted the merchant, by phone at ( XXXX ) XXXX, and by email ( XXXX ). However, the merchant never answered the phone, did not return the calls, and did not respond to my emails. II. Suntrust Banks response not addressed the issues raised in my Complaint, because its Rules and Regulations for Deposit Account do not contain any regulation concerning the period of time to place a dispute for non-wrong, non-error and authorized transactions. SunTrust bank response is unsuitable here, and not addressed the issues raised in my Complaint, because the transaction made onXX/XX/XXXXwas authorized, proper and correct. Suntrust Banks Rules and Regulations for Deposit Account ( pages 30-31, and 40-41 ) only contain information for transactions with unauthorized signature, alteration, misencoding, incorrect or improper amount, fee, interest calculation or error on the statement itself. III. Suntrust Banks response not addressed the issues raised in my Complaint, because they failed to properly disclose the period of time to dispute the non-wrong, non-error and authorized transactions. According to the Companys response : SunTrust Bank is not liable for my dispute, because the claim was not reported within 30 calendar days from the date the Bank makes the statement on which the error first appeared available to them. First, the Banks response is incoherent, because the merchant promised to deliver the merchandise after the 30 calendar days. Secondly, Suntrust Bank NEVER provided to me any information related to the period of time I had to dispute the non-wrong, non-error and authorized transactions. For all of the above, Suntrust Bank must accept my claim, investigate it and credit my account with the amount in dispute. Sincerely, XXXX XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Getting the loan
Subissue:
Consumer Complaint: This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Money was taken from your bank account on the wrong day or for the wrong amount
Subissue:
Consumer Complaint: Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX reporting, {$220000.00} fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2017-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-29
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30506
Submitted Via: Web
Date Sent: 2017-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A