Date Received: 2017-04-19
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question, XXXX / XXXX / XXXX . I personally electronically transfer money from my XXXX XXXX account to the Sun trust account before XXXX on that day. There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.
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: 2017-04-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-15
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: XX/XX/XXXX Complaint # XXXX To whom it may concern : We built our home in XX/XX/XXXX with Suntrust Mortgage ( Loan # XXXX ) and they did some kind of loan modification for permanent financing but increased our interest rate and placed us in an Adjustable Rate Mortgage tied to the LIBOR Rate, which was found to be criminally manipulated by major banks harming us. Suntrust told us our payment would be one amount and then the payment increased substantially at the closing table adding $ XXXX/month for private mortgage insurance that we were not told about. They then told me that they could refinance after one year and could at that point get the payment lower. After the first year, in XX/XX/XXXX I went back to them to see what they could do, at this time the housing market was in collapse and they told me there was nothing that they could do. We have fought to pay them over the years. As we have fought to pay this mortgage over the years, we have been victims of an unscrupulous business partner which destroyed our financial income, pushing us into Chapter XXXX bankruptcy. Last year in XX/XX/XXXX we attempted to sell our home through a short sale with the help of a realtor and got a full offer right away. At that point our house was ready to close and we were bringing money to close but Suntrust would n't co-operate with our realtor, we had sent all of the required documents that they asked for in to them, however they kept telling us that they had not received all of the required documents, we have resent the same forms time and again via email and fax and were getting confirmation that the emails and faxes had been received. After a month of anxiously waiting, the buyers decided to move on to purchase another house. Now again we have an investor that wants to purchase the home through a short sale and Suntrust is doing the exact same thing, they are trying to hinder the short sale by again asking for paperwork that we have already sent in. This has now been going on for several weeks, it seems like a stall tactic on their part as they have given me a foreclosure sale date of XX/XX/XXXX at XXXX. I am simply trying to get them work with us to do a short sale so that that I do not have a foreclosure on my record, I am trying to get back on my feet financially and want to be able to purchase an affordable home in the future. Please help us to do a pre-foreclosure sale so we do n't have a foreclosure on our record. We are a young family who paid over {$250000.00} on our mortgage. Suntrust received a {>= $1,000,000} bailout from the American taxpayers. Can you please help us postpone the foreclosure sale date scheduled for XX/XX/XXXX at XXXX so we can sell our house and move on without a foreclosure? I have attached just a few of the letters that they have sent me recently claiming they have not received paperwork, my realtor XXXX XXXX with XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX ( who took our case pro-bono ), and myself have all sent them everything that they have asked for but they deny every getting any the documents. We want to thank you for any help you can offer my family and myself!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2017-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either. Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem. A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why. I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts. I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-13
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2017-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-12
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: suntrust charge me over {$200.00} way after the account should have been close and send it to collection. when the account was close the balance was {$200.00}. i told them to send me a bill to pay, they never did instead i received a collection letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-11
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: A person name XXXX opened an account with SunTrust on XX/XX/XXXX using my social security number, driver 's license, and pay stub. She stole my driver 's license on XX/XX/XXXX and stole my mail from my mailbox end of XX/XX/XXXX to XX/XX/XXXX. she then went online and put a forwarding address on my name to her address. I did not open an account with SunTrust. I have never heard of SunTrust Bank. I am requesting that they retract their credit check from my credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 958XX
Submitted Via: Web
Date Sent: 2017-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-10
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2017-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-08
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I received funds from the total loss of my home in the form of a check made payable to me and Suntrust Bank, because I owed an equity line of {$60000.00}. I spent two hours on Friday, XX/XX/XXXX trying to find out how to deposit the check, pay off the equity line and receive the remaining money into my account the quickest way possible, since I have to have the house demoed in a timely fashion in order to be in compliance with code enforcement. I left that day with the check still in my hand and no resolution, due to the fact that the man trying to help me was trying to force me to sign an affidavit that I was rebuilding the house, when I am not. The next day, Saturday, XX/XX/XXXX I spent another 1 1/2 hours in another branch of the bank with a very helpful man , XXXX XXXX. I described to him what had happened the day before and he called someone from what I believe was a corporate office help center and received instructions on how to handle the check. My main concern was that the funds would not be held up, I stated this several times. I even went so far as to say that if the funds were going to be held up that I would have the insurance company reissue the checks in order to prevent that. XXXX XXXX was assured by a man named XXXX XXXX that the process would be completed by Friday XX/XX/XXXX and I would have my funds directly deposited into my checking account. Again I was told to sign the affidavit that I had refused to sign before because I am not rebuilding the house. XXXX XXXX resolved this by having me write a letter about what my intentions were about the house. The bank paid off the equity line on Thursday, XX/XX/XXXX, along with charging me over {$500.00} for paying it off early and a {$10.00} service fee for what I am still not sure. I called Thursday and spoke to XXXX XXXX who said she was looking at the screen and my funds would drop in the nightly postings that night, and would be available in my account on Friday as I had originally been told. The remaining funds were not put into my account as promised, even though I had now been told by 3 people that they would be. When I called to find out what the problem was I was told that my funds had a 10 " banking day '' hold on them and would not be available until XX/XX/XXXX! Suntrust deceived me into handing over a check for {$170000.00} for a loan of {$60000.00} by telling me over and over that I would have my money by Friday, XX/XX/XXXX, when apparently every one of them know that they were lying to me! All of my phone conversations were supposedly recorded so I am sure that you can pull up the records and listen to several people deceive me into depositing my check with you, instead of having the checks reissued. Being in my home when the fire started on my porch and watching it burn for 20 minutes waiting on firefighters was devastating, but my insurance company issued me a check on the 2-week anniversary of the fire. Suntrust on the other hand deceived a customer of almost 25 years and will have control of my money longer than the insurance company took to pay off on my loss - that is insane! This is a perfect example of your company deceiving someone that has been a loyal customer, that suffered a devastating loss, and that would have remained a customer indefinitely. I am appalled by the lack of concern for me as a customer, and the ease in which people in authority were able to lie to me knowingly!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33901
Submitted Via: Web
Date Sent: 2017-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-06
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely. During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2017-04-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I contacted Suntrust Bank main office on XX/XX/XXXX to inform them that I had not received my bank statement from them in three months. I was told by the person on the phone that they would mail them out that day, and I would receive them in approximately three days. I did not, so I went to my local Suntrust Bank located at XXXX, Md. XXXX and address the issue with Branch Manager XXXX. She printed me out statement from XX/XX/XXXX to XX/XX/XXXX. When I checked the statement I notice approximately XXXX ATM-withdrawals total over {$3200.00} not including fees, and XXXX checks-written total {$900.00} that I did not do, or known who did. I immediately return to to the bank on XX/XX/XXXX and address the issue with Bank Manager XXXX. She contacted Suntrust Fraud Department, and a report filed and investigation I was told started. On XX/XX/XXXX I received a letter from fraud investigator stating that they were unable to honor my claim giving me some unreasonable causes. The letter dated XX/XX/XXXX is the first response to the claim of fraudulent activity on my Suntrust account ending with [ XXXX ] I received. For this and other reasons, base upon our investigation, we can not conclude that Suntrust has any liability for your disputed transactions. I returned to my local Suntrust bank on XX/XX/XXXX and talk with Bank Manager XXXX about over half of the transactions falling within the time frame of the 30 days, and she called fraud investigation. I was told by her that the investigator said that because there were A-T-M withdrawal before the 30 days and I was seen on camera making the withdrawals, the investigation was close. I never made any withdrawal from the location on the statement and do not even known were it is. I always use ATM networks with Suntrust so I do not pay fees. I then asked the Bank Manager to see the video with me withdrawing money from the location the claim, and was told by her that the investigator said the only way I can see the video which there is not, is to subpoena it from fraud investigation. All of this after banking with Suntrust for approximately 30 years. All I want is Suntrust to return approximateIy {$4500.00} to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No