Date Received: 2017-08-28
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19966
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''. I immediately reached out to SunTrust but have not heard back from them as yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury. ( 2 ) In accordance with the written instructions of the consumer to whom it relates. ( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33063
Submitted Via: Web
Date Sent: 2017-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33138
Submitted Via: Web
Date Sent: 2017-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit. XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points. I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89044
Submitted Via: Web
Date Sent: 2017-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I contacted Suntrust Mortgage In XXXX to notifiy them that my taxing authority had made an error on my tax bill. It was a XXXX XXXX issue. They advised me that they were already aware and due dates had been extended to XXXX and not to worry. I sent them the current bill that was issued in the mean time as the new bill would be actually going down. They said they wait unitl they get it from the taxing authority. and they had the intial notice. I contacted them again in mid XXXX as a 2nd tax bill was processed by the county and was also incorrect. It was {$600.00} higher than the previous bill. I advised them the the tax authority was in the prcoess of reviewing and determining what the 3rd and soon to be correct bill would be. I advised them not to pay and that they could contact the tax department and provided phone to confirm that this was being worked on. they said they would attempt to put a stop payment to pull the bill. Ironically in XXXX they told me they dont pay early but know that they have a higher incorrrect bill they dont know if they can stop it!! On XXXX XXXX I received the new correct tax amount from the county tax department I contacted suntrust and advised them gave them the phone number of who to speak to and told them the information would be viewable online on XXXX but they would provide a verbal if they called and contacted them. I requested a formal escrow correction based on the new amount so they would stop collect {$100.00} overage each month from me. On XXXX suntrust paid my taxes the incorrect amount! I contact them again and did a fromal reuest for a refund as well again requesting the monthly escrow amount ot be corrected as I did not want to be forced to overpay again because of their mistake. I also requested in be expedited On XXXX I called suntrust again to follow up and place another formal request for the refund and the escrow to be correct they told me in excess of 14 days I advised them this was unacceptable and that this should be expeditated because this could have been prevented. They have the ability to go online to the tax authority and view the correct tax amount and they have done this while I was on the phone with them. Why they cant fix their computer system is beyond me and not fair to me the consumer. I followed up again on XXXX the customer service rep said nothing shows updated in the system nothing has been done and told me they called the tax dept and said they were told they have the right amount ( the higher one ) - This is an outright lie. I requested a supervisor I was told none are available and its 2 days for a call back! I begged and pleaded the rep to go online and look for herself and sure enough she confirmed that suntrust does not have the correct information on file for my taxes and she would request the research team to look into this meanwhile I am owed almost a {$400.00} refund as well as I have mortgage payemnt due on XXXX and until they fix their system I have to overpay by XXXX just like I did last month! I again explained how this is unfair trade practices to the consumer to force me to wait to fix their mistake which they were notififed of and could of prevented and every step of the way suntrust has dropped the ball. I am not confident they can correctly managed my taxes and insurance I had a simialr problem 2 years ago with them mismanging payment for the homeowners insurance and paid the incorrect amount by over {$300.00} and they redid my escrow They decide they should pay my umbrella policy out of my escrow which is ridiculous Please advise if you need further information and what else I may do to help other people being subjected to these practices. It is not right they can hold my money hostage till they get around to when they admit they are wrong!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21234
Submitted Via: Web
Date Sent: 2017-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32789
Submitted Via: Web
Date Sent: 2017-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Unfair business practices should not continue upon hard working US citizens. In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day. My question is ; how is it determined what transactions are posted first and the amounts? As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL? All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}. As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees. This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge. Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges. I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control. As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A