Date Received: 2019-11-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-18
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2019-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX XXXX XXXX., my perpetual corporation that should have not closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2019-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly. The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees. The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}. A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge. It took two hours on the phone, because the bank kept stating they never received the {$27000.00}. Which I have documented from the bank itself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello! We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21136
Submitted Via: Web
Date Sent: 2019-11-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a XXXX XXXX loan my servicer is Suntrust Bank. I applied for a loan modification because I was experiencing a hardship and I was 30 days late in my payments. I submitted a letter and all the relevant documents. I was denied because the home was not my primary residence. I appealed and received a letter stating that the deadline was XX/XX/2019 to provide Suntrust any documents for my appeal. On XX/XX/19 I sent a letter to Suntrust with a copy of a document addressed to me at the property. I called to verify receipt and was told that the underwriter wanted a copy of my license. On XX/XX/19, I called and the XXXX XXXX told me that the license was not readable, and so I sent another copy. On XX/XX/19 I received a call from my loan representative XXXX XXXX who stated that I was denied because the time had expired and I did not provide the paperwork to her in a timely manner. On XX/XX/19 I spoke with a supervisor Ms. XXXX who said that I was sent a letter on XX/XX/19 stating that the reason my appeal was denied was because I was employed. Further, I was not offered any further assistance. During the phone call, Ms. XXXX stated that she could " see the chain of events and that it would be dealt with ''. She asked me to take a picture of my license and send it again. After I did so, I contacted Ms. XXXX to verify receipt. Today at XXXX XXXX., Ms. XXXX called me and left a voicemail stating that she had an answer. I have tried to call Ms. XXXX several times and she has not returned my call. I have contacted XXXX XXXX about the lack of customer service I have received and the fact that I am getting the run a around with Suntrust. I have provided all of the documentation that they asked for, and they have not addressed why they have denied my loan modification. I am asking for your assistance to resolve this matter with Suntrust in a timely manner. I will attach documents as needed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23455
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I bank with the predatory bank SunTrust. I used company option to refuse transactions if funds aren't available as well as the option for turning off card if funds are low or unavailable but I am being charged excessive fees because they allow transactions to process with the deliberate intention of charging fees. I have been charged thousands of dollars a year by a process that is correctable but they choose not to because it surely generates billions in revenues foro their organization. I want my money back without any excuses. When then account reaches a negative balance that they feel is beyond what they are willing to lose they then become capable of stopping the transactions when funds ar not available. So it is possible to accomplish. The institution just chooses not to do it until it's a potential problem for them. I have challenged them by calling to their attention that I opted to not allow approval of transactions when funds are not available and that my card was turned off when transactions were processed. Both options were not adequate to prevent transactions and prevent the accrual of those enormous fees. I want those funds refunded to my account retroactively. Thank you, 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: 320XX
Submitted Via: Web
Date Sent: 2019-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-12
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: XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX. I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached. I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller. I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC. I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know. While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30144
Submitted Via: Web
Date Sent: 2019-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: On XX/XX/2019, I received a reply from SunTrust Bank via postal mail stating their position that the inquiry is valid and factually sound. The documentation SunTrust also followed up with via file upload to the CFPB website answering my complaint was information about me requesting a loan or some sort of services from their institution. After a full review of the documentation displayed by SunTrust Bank it is clear there is no application of consent indicated within this unknown paperwork. There is no wet signature, nor a recorded phone call to indicate that I personally spoke with this company for any type of services. There is no e-file signature, or electronic consent indicated in these documents to prove the statement provided by SunTrust is factually sound. I request that SunTrust produce sufficient and clear evidence as stated in the Law according to the FCRA to prove I consented to a fraudulent inquiry with proper and required signatures or applications baring my name consenting to this illegal breach of privacy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A