Date Received: 2017-05-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all. I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XXXX XXXX XXXX I was to go to XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX . I was on my way from XXXX , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX XXXX they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX XXXX . I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attem pts to resolve the issue, they did n't respond and I received an email on XXXX XXXX XXXX advising no response and this negative information will be reported for three ye ars for XXXX XXXX XXXX XXXX XXXX of XXXX , Florida. I just purchased a car at the current company my son is a salesman at and seen there is still the ones from XXXX XXXX XXXX . THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX XXXX XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX . 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: MS
Zip: 39503
Submitted Via: Web
Date Sent: 2017-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I submitted an application online for a XXXX XXXX XXXX XXXX Credit Card account on XXXX XXXX , 2017 . On XXXX XXXX , 2017, I received a voice message requesting a call back in order to verify that I was the one who authorized the application. I returned their call right away and confirmed that I was the one who authorized the application. I spoke with a male representative from their credit card department. I really did n't think about writing down his name because I did n't think that this matter was going to take this route. Well, he was a bit rude and stated that he was going to retract the credit line that I was offered in which my credit line had already been approved for {$25000.00}. I requested an explanation as of why he pulled back on the offer and he stated that he could n't tell me. I even requested a letter in the mail with an explanation of the reason why and he stated that they do n't send out letters. I then requested to speak with a supervisor and he stated that a supervisor was not available. I requested for a supervisor to call me back. I provided him with our main number at home in which is a cell phone that we all use. I even informed him that I authorize the supervisor to inform my dad the reason for his / their actions and he questioned that why do they have to call my dad. I informed him that my dad is authorized because I work many hours and he helps me out. So then I also provided him with my personal cell number. As of XXXX XXXX , 2017, I still have n't heard from a supervisor. On XXXX XXXX , 2017, I receiv ed the credit card via XXXX . I called the XXXX XXXX store in which is handling our new home project and they asked me to come in the store so that they can activate the card. While at the store the representative called their credit card department because my sales transaction was declined. I spoke to a representative in which he verified all my personal information. He informed me that someone from the credit card fraud department was supposed to call me after I spoke with them on XXXX XXXX , 2017 and asked me if someone had already called and spoken to me. I informed him that I still havent received a call. I requested to speak with that department and he stated that no one was available. And also stated that someone would call me back within 24 48 hou rs in which was the same thing that I was told a week ago. As a consumer with an outstanding credit rating, Im not sure what the issue. It is my professional opinion that Im getting harassed and discriminated. They mailed me the credit card, provided me with a n Installment Loan Agreement and I still cant use the credit card. Why? If they dont want my loan business after approval, then they better provide me with a good reason for it. And it better be good because this matter will be taken to the Supreme Court if I need to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX 2017 I request ed my mortgage provider, Suntrust Mortgage, begin drafting my savings account instead of my checking account from XXXX XXXX XXXX XXXX XXXX for my monthly home payment . Suntrust indic ated they had made the changes and the 1st draft from my savings would begin in XXXX . Suntrust then drafted my checking account as usual. I did not have the funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur XXXX non-sufficient fund charges for {$30.00} each. I contacted Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust drafted my checking account like usual -- not my savings account as I had request and they assured me they would. My bank provided me a copy of the XXXX draft attempts and XXXX insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82601
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: After having a substantial relationship with Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed. XXXX XXXX bill went through and should have been sent back but bank closed and paid transfer and then held account. Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts. I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses. There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers. Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions. Recovery company number which suntrust had call me 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: 75052
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Suntrust Branch to ok a deposit on Friday XXXX XXXX at XXXX It was a check from a Suntrust Account into a/my Suntrust Account, listed immediately as Pending but available on my account. On Saturday the deposit was not listed in Pending or Credited on my account. I called Customer Service XXXX number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday. On Monday XXXX XXXX , I phoned the branch ( at XXXX opening ) that made the deposit and the Head Teller was too busy to research it for two h ours, according to the Branch Manager XXXX XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at XXXX . Attached Screen shot shows it was Credited on my account and the time on XXXX XXXX . On Tuesday XXXX XXXX , at XXXX XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account. Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished. I phoned the XXXX XXXX Customer Service Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the Branch where the deposit was made but that they were not open at the time. I phoned Suntrust Branch where deposit was made at XXXX opening, and was informed the Branch Manager was not at work yet and they did not know what time she would arrive. I spoke with the Head Teller who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold. As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30224
Submitted Via: Web
Date Sent: 2017-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: SunTrust Bank charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of XXXX XXXX they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks own drive through ATM. I have a " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the XXXX of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.
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: 2017-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I requested, in a Qualified Written Request on XX/XX/XXXX on a number of items, detailed in a letter attached an d SunTrust re plied on XX/XX/XXXX . Suntrust : 1 ) Fa iled to provide me the requested items particularly modification documents from XX/XX/XXXX / XX/XX/XXXX .
2 ) F ailed to address my concern in a modification request that my Uniform Borrower Request sho ws affordability of the mortgage. 3 ) Asked me in XX/XX/XXXX to make 3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a XX/XX/XXXX reply to CFPB yet SunTrust has disregarded its XX/XX/XXXX approval and confirmation that the modification was approved. 4 ) Sent two misleading letters to me on XX/XX/XXXX that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day. 5 ) Denied a request for forbearance in a XX/XX/XXXX application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my XX/XX/XXXX modification was rejected when SunTrust had the three TPPs timely. 6 ) Nev er asked me to support my income in th e Uniform Borrower Appl ication submitted in XX/XX/XXXX and if they had, it was improper, in that SunTrust had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge. 7 ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision. 8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns. 9 ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General. 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses. 11 ) Noted that my loan is 28 months past due when it issued a new modification in XX/XX/XXXX and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely. 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n XX/XX/XXXX con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting. SunTrust, via XXXX XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrustCompany Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20018
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A