Date Received: 2017-08-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2017-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-10
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.
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: 2017-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-17
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; Sun Trust Bank : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2017-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-14
Issue: Dealing with your lender or servicer
Subissue: Received bad information about your loan
Consumer Complaint: In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63136
Submitted Via: Web
Date Sent: 2017-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2017-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2017-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2017-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-20
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX I made a deposit through an ATM of a check for the amount of {$2.00} to my SunTrust Bank Checking Account. On the XXXX, I received a text message warning me that the check had been returned and my account was overdrafted for more than XXXX . I went to the bank and a representative informed me that the check was returned and on the XXXX of XXXX I would have my previous balance credited again on my account. Days later, I made a phone call to the SunTrust Call Center and a representative informed me that the funds were being held and that this hold would expire on the XXXX, making the {$2.00} available to me, she even refunded me ( as a courtesy ) of some returned items fee, because the transfers I had previously made with a positive balance were being returned because of the overdraft. On the XXXX of XXXX, I made a call again to the SunTrust Call Center and another representative informed that, the hold would expire today but I would be able to use the funds by the XXXX. On the XXXX, I checked my account and I had an available balance of {$2.00} and a current balance of {$230.00}. Again, I made a call, spoke to one of the representatives, and I asked her what the difference between the two balances shown was. She told me that the available balance was the money that was available to me, and the current balance was the money from my previous statement. I even asked her that if I wanted to make a withdrawal of over the {$200.00} shown on the current balance I would be able to, and she confirmed yet again that Yes, because whatever is shown on the available balance is what is available to me. In the afternoon, I went to the SunTrust Bank XXXX XXXX XXXX, and made an over the counter withdrawal of {$1600.00}, which was given to me without hesitation. On the following day, at XXXX, I received a text message saying that my account was overdrawn for the amount of {$1.00} and that I needed to make a deposit by XXXX the XXXX before they could start charging me an overdraft fee. When I called the representative, she told me that the amount was never supoused to be in my account and that the only way I could bring a negative balance to a positive balance was making a deposit. When I explained to them that the representative had confirmed to me that I could use that money and that the withdrawal I made without any kind of issue was over the counter in a branch, she told me that, yes it was their mistake, and that they could not do anything about it. I asked to speak to a supervisor, she told me the same thing over and over again. Then, I asked to speak to a manager, and she provided me with the same speech, also adding that I should keep track of my account balance. When I told her that I did, and that is why I had been calling so much, speaking to their representatives, one of which confirmed to me that the money was available to me, she told me I was right, that SunTrust should not provide wrong information, and they did so 4 times, but still they would not credit my account because it is my responsability. How is this my responsability? I did what anybody else would have done ; I kept track of my account, and called them everytime I had a question, even though now I know they always gave me wrong information. I can not be held responsible for their mistake.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2017-08-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-07
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. 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 because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.
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: 2017-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-08-06
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48134
Submitted Via: Web
Date Sent: 2017-08-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A