Date Received: 2017-08-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65202
Submitted Via: Web
Date Sent: 2017-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-21
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?
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: 2017-08-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-19
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: On or about XX/XX/XXXX I applied to various job boards for work at home jobs. A job titled XXXX XXXX XXXX was listed and I applied for it. On XX/XX/XXXX I received an email from a XXXX XXXX from XXXXXXXXXXXX stating my first assignment has been approved. Starting on XX/XX/XXXXI received text messages from XXXX XXXX as well as email messages and a phone call or two. On XX/XX/XXXX XXXX XXXX sent by email a brief and directions of what the XXXX XXXX entailed. I replied on XX/XX/XXXX that I was ready to get started. On XX/XX/XXXX I was told by email that money orders were send, I was to deposit and wait for them to clear before starting surveys. Money Orders were received and deposited onXX/XX/XXXX. They were cleared on XX/XX/XXXX, bank showed balance to be available XXXX {$1900.00} XXXX. I let XXXX know I was ready to start surveys, he sent me a list of items to purchase and instructions on making a copy of what was purchased, the copy of receipt and I was to copy the card number for each XXXX card purchased. Two items were not available, I let him know that and he let me know just proceed with what I was able to purchase. My earning was to be {$250.00} per survey for a total of {$500.00} for the 2 surveys. By the night of XX/XX/XXXX I received a call from the fraud department from SunTrust Bank XXXX where postal money orders were deposited ) asking if I made the purchases in the amount of {$1400.00} and I advised yes I did as I was doing this for employment purposes. I then checked bank account and found the account to be negative - {$1900.00}. I called the bank which was after XXXX pm and all they could advise me was the postal money orders were being returned as uncollected funds. Bank account is listed with husband first on the account and then myself. On the morning of XX/XX/XXXX I went to the branch bank where deposits were made and spoke with XXXX the branch manager and she confirmed the postal money orders were no good. XXXX assisted me in faxing a Statement of Dispute regarding the purchases made, Case Number : XXXX for XXXX XXXX and Scam Case : XXXX. I tried to reach XXXX XXXX but number was no good and he did not respond to emails or text. The phone number was no longer working. I then called the XXXX XXXX XXXX, Fl police, an officer came to my home, did not want to take a report, he stated they see this fraud all the time, report it to the Federal Trade Commission, the Postal Inspector and hope for the best. After several days of going back and forth with the bank and realizing they were not going to help, I contacted the Postal Inspector and was told to file my claim online, which I did onXX/XX/XXXX and received was provided a reference number : XXXX # XXXX regarding mail fraud. 0n XX/XX/XXXX I filed a report with The Federal Trade Commission, Reference # : XXXX and XXXX suggested to file with consumer finance online which I am now doing on XX/XX/XXXX. Will also be contacting the State Attorney General in Florida for additional help. I would like help in resolving this with the bank, I do not have XXXX. The bank did not investigate and they did not assist in clearing the deposits, they should not have made them available. I am a victim of fraud. Hopefully the crooks will be caught and made to pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34953
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX, the 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 ). OnXX/XX/XXXX, Suntrust Bank declined to investigate my claim and credit my account with the amount in dispute. OnXX/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 or XX/XX/XXXX, the company responded and the CFPB closed my complaint. This is a new complaint because I feel that Suntrust Bank did not give my situation the proper response and understanding that it truly deserved. I. Suntrust Banks decision to not investigate my claim is unjustified. 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. [ See companys response ] First, the Companys response has nothing to do with my claim, because my claim is for a non-wrong, non-error and authorized transaction. Secondly, the Company allegation, that they are 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 is absurd and incoherent. I did not file the claim within the 30 calendar days from the date the Bank makes the statement, because the merchant promised to deliver the merchandise by XX/XX/XXXX. ( See Exhibit A ) II. Suntrust Banks 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 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. See below : Account Discrepancies ( Page 30-31 ). Statements. Periodic statements will be provided on all Accounts, excluding Time Deposits. Unless otherwise instructed, the statements will be mailed by us to your last known address as shown on our records or will be made available to you electronically. You agree to control and secure your Account documents including, but not limited to checks, deposit tickets, statements and any other documents that contain your account number and account information.You agree to notify us that you have not received your statement within 30 calendar days of the date on which you normally receive the statement. If you do not notify us within this time period that you did not receive the statement, we will not be liable for any bank statements or items, if included in the statement, that you do not receive. You should carefully examine the statement and canceled checks XXXX including the face and back XXXX, if included in the statement, when you receive the statement. The Bank will not be liable for any unauthorized signature, alteration, misencoding or other error on the face of any item in your statement, or for any incorrect or improper amount, fee, interest calculation or other error on the statement itself ( including any item improperly charged to your Account or any deposit not credited to your Account ), if you fail to notify the Bank within 30 calendar days from the date the Bank mails, personally delivers, or otherwise makes the statement on which the error first appeared available to you ( including making the statement available online whether you actually view or download it ) or anyone to whom you request it be sent. If you fail to notify us of the first occurrence within the stated time period, we will not be liable for subsequent unauthorized signatures or alterations made by the same individual ( wrongdoer ) and discovered on future statements. Note that shorter time periods may apply to notification of errors relating to ACH debits received in commercial Accounts, as described in the section herein titled Commercial Funds Transfers. In Case of Errors or Questions about Electronic Transfers. ( Page 40-41 ). If you feel that any statement or receipt is wrong, or you wish to have more information about a transfer listed on a statement or receipt, contact us in writing or by telephone. ( Refer to last page of this document for the telephone number and address of SunTrust Bank. ) We must hear from you within 60 days after we send you the FIRST statement on which the problem or error appeared. Therefore, because Suntrust Bank failed to properly disclose, the time period to dispute the non-wrong, non-error and authorized transactions, the Bank must accept my claim, investigate it and credit my account with the amount in dispute. Regards, 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: 33993
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-09
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23060
Submitted Via: Web
Date Sent: 2017-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27295
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I want to add documents that were not previously submitted to complaint number XXXX : 1. HUD statement at time of purchase, 2. Appraisal value ( 2016 ) by XXXX XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-22
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30311
Submitted Via: Web
Date Sent: 2017-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A