Date Received: 2017-04-04
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I was informed by XXXX XXXX XXXX XXXX I had been given a high risk status by Suntrust Bank. I have never been a customer of Suntrust Bank. I am concerned that this has been reported and is not accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34786
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
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: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-04-04
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 350XX
Submitted Via: Web
Date Sent: 2017-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-04-03
Issue: Other
Subissue:
Consumer Complaint: I am filling a a series complaint against the XXXX credit agency 's. I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs. I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32779
Submitted Via: Web
Date Sent: 2017-04-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-31
Issue: Billing disputes
Subissue:
Consumer Complaint: Suntrust Bank has been repeatedly contacted in regard to unauthorized credit card charges and not only continues to refuse to remove the charges but is adding on late charges and destroying credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2017-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: This is an outrageously embarrassing complaint on my behalf, yet one of a very serious matter that has left me very frightened. After receiving a financial windfall in XX/XX/XXXX, I celebrated a bit too much one night and came home very late and quite XXXX in the early morning of XX/XX/XXXX. After watching professional poker on television, I foolishly decided that I wanted to try to gamble a bit with my new found money. I live in Maryland, and casino gambling is legal and regulated here, although I have NEVER been to a local casino. I was far too XXXX to drive to a local casino, so being a naive and novice gambler, I decided to do an internet search for online casinos. After looking at several " referral sites '' I decided on XXXX and XXXX as they were advertised to take deposits from players in the United States. Again, being naive, I assumed that everything was fully legal and that I, and the casino sites, would be abiding by all local and federal regulations ( again, gambling is legal in my state, so I had no reason to believe that I was doing anything wrong ). I made XXXX deposits with XXXX - XXXX {$200.00} - and XXXX deposits with XXXX - all four {$500.00} each. As a newly minted degenerate, I continued to gamble and drink throughout the day. Admittedly, I lost the {$500.00} I deposited with XXXX, but I won a considerable sum with XXXX - plus {$1500.00}. However, when I tried to withdraw my winnings, I was told that I needed to make a certain number of deposits before I could withdraw (??? ). I tried to make more deposits, but I could not. I called SunTrust to find out why, and they told me they were concerned about fraudulent activity. They asked me if I had made charges in amounts that sounded similar to the purchases I just made, and, unfortunately, being in a XXXX - and by now agitated - state, I hurriedly and recalcitrantly just tried to wave the customer service agent off and kept saying, " Yes, yes, yes. I made those charges. '' Regardless, they were still concerned about the nature of the transactions, and blocked my card. I finally went to bed, feeling like the most gullible loser in creation. The next morning I woke up, checked my bank statement online, and noticed I had authorizations from FOUR different merchants whom I had no idea whom they are, and had never done business with any of them. Futhermore, the amounts of the charges were {$200.00}, {$210.00}, XXXX for {$490.00}, and XXXX for {$510.00}. None of the merchants are located in the United States. I immediately went to my local branch and filed a fraud complaint. I told them the entire truthful story of what happened, and filed on the basis that I never received goods nor services from these merchants, and I have no idea who they are. That these merchants were given my financial information left me aghast. Long story short, they denied my claim on the basis of " implied consent ''. " Implied consent '' has no bearing in this case, and is being applied inappropriately and recklessly. I, as the cardholder, can not be reasonably or prudently accused of naivety in not knowing that these websites were going to share my financial information with another third party, as there is no written notice of this mentioned in the Terms and Conditions of either site. I still do not understand the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX ( UIGEA ), but I do know that by ignoring my willful admission that I made these deposits in good faith, without knowledge of how they would be conducted, SunTrust is tacitly condoning them by denying my claim, and they are in violation of UIGEA. NOT ONLY THIS, but the day after I filed my fraud complaint, SunTrust allowed the merchant who initially authorized XXXX to take a final payment of XXXX. I have proof of all of these events.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}. I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession. Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document. The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX. The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 395XX
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I signed a Bi-weekly payment plan with Suntrust Mortgage to be auto drafted from my Checking account at XXXX in XX/XX/XXXX for drafts to begin XX/XX/XXXX. I had to make a full mortgage payment in XX/XX/XXXX for XX/XX/XXXX, and the auto drafts in XXXX were to be credited to XX/XX/XXXX payment, keeping me paid a month ahead. That is not whats been happening. Suntrust Mortgage continually harrasses me via telephone and via past due notices, and shows my account past due. They are holding my drafts in Suspense. I have called them each time i get the past due notice and they tell me in XX/XX/XXXX, Suntrust " changed '' my Bi-weekly plan I signed to their " Sure Pay Plan '' and are holding my drafts in suspense, making my payments past due, when in fact they are not and should be showing paid a month ahead. This has not been happening. On XX/XX/XXXX, I called them again because I got another past due letter for XX/XX/XXXX. My drafts submitted on XX/XX/XXXX and XX/XX/XXXX which should have been for my XX/XX/XXXX payments. When I called, they stated the payments were still holding in suspense and they would release them ... ... again. I was also told that they would re-instate the Bi-weekly plan as I did NOT authorize any change to that plan, THEY changed it without my authorization. Now I have received my mortgage statement in the mail for XX/XX/XXXX. They are showing XX/XX/XXXX is past due. and now XXXX will be due. They are not following through with what they have been telling me since XX/XX/XXXX and it has ruined my credit., which I was also told by customer service on the XX/XX/XXXX phone call to them that they would fix my credit and put me back on the original plan. I have proof from XXXX they have been Drafting my checking account everytwo weeks ( my pay days ) for Suntrust Mortgage. I am filing a complaint against Suntrust Mortgage for unlawfully holding my monies, and harrassing me for past due payments which they already hold in suspense, and on top of that they are charging me late fees for payments that are NOT LATE. They need to refund me all my late and past due fees they have assessed and continue to assess, and return my Biweekly arrangement as originally signed for, fix my credit rating for their negligence and unauthorized change made to my payment arrangement, showing my account paid a month ahead as what it was originally set up to be. I should not owe as much as they continue to state I owe. Right now, for XX/XX/XXXX-XX/XX/XXXX they show I owe {$1100.00}, but are showing there is an UNAPPLIED FUNDS balance of {$530.00} they holding in suspense. I should not have to call them everymonth to release those funds, which is whats been happening. Because of all these issues with Suntrust, I ca n't even re-finance the balance with any other lending institution because Suntrust has ruined my credit. And I also had requested in writing, along with a copy of my Divorce Decree, to change my name back to my maiden name of XXXX ... ... they STILL have me listed as XXXX. I have been divorced since XXXX and I remain in the home and have been paying the mortgage. My ex-husband cant get his name off the mortgage because Suntrust has ruined MY credit and cant get refinanced in my name alone. My Mortgage Account Number is : XXXX Property address is : XXXX, XXXX NC. My mailing address is : XXXX, XXXX, XXXX NC XXXX Please help me to clear this up with Suntrust Mortgage as I am at my wits end and may have to get an attorney if this is not cleared up and my credit repaired. Thank you in advance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28146
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-29
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2017-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-30
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I made {$800.00} worth of charges for goods and services to the website XXXX on XX/XX/2017 using my SunTrust Debit card. The charges were authorized by my bank, SunTrust, and goods and services were rendered. The charges appeared immediately in my account as pending charges, with the proper holds put on the funds. Almost two weeks later, I got a notice by email from my bank saying that my account was overdrawn. I checked my balance, and the account was overdrawn by - {$1100.00} ( including overdraft fees ). I immediately noticed that I had {$800.00} worth of new charges from XXXX, and that they were all processed as " recurring '' charges on the dates of XX/XX/XXXX and XX/XX/XXXX, causing my account to overdraw. I filed a fraud dispute with Sun Trust, as I did not authorize any new payments to XXXX. In the meantime, after examining my transaction history, I realized that that these charges were the SAME charges that were pending almost two weeks prior ( with PLENTY of money in my account to cover the charges ), and that for some reason they were not completed - they simply disappeared. Therefore, almost two weeks later, XXXX reattempted the charges ( under a different guise ; " reoccurring check card purchase '' ), and my bank immediately processed them. I spoke with a fraud representative named XXXX today, XX/XX/XXXX. He asked for a statement, and I simply told him that I did not authorize any new charges and that I did not authorize a " recurring payment '' to XXXX. He then mentioned that it appears that these charges were attempted on XX/XX/XXXX ( as I had discovered myself in the course of the investigation ), and that I had authorized them by " implied consent '', making them valid transactions. I immediately asked him why the initial charges were authorized - with pending holds on my funds- yet were not completed. I also asked him why the charges were then authorized again without my consent, overdrawing my account, and costing me {$360.00}. I told XXXX, that if I do indeed still owe XXXX {$800.00}, then that is fine with me ; I pay my debts ; I am not trying to take advantage of anyone. However, this is not the job of SunTrust and this still does not explain why these charges were not processed until a second attempt was made, and after I no longer had the funds available to cover them. Furthermore, I had DECLINED overdrafts on my account to be processed at the time Sun Trust fraudulently authorized these charges when it was convenient for them to collect {$360.00} from me in overdraft fees. I told XXXX that Sun Trust has no authority to act as a collection agent for XXXX, especially when I have not allowed overdrafts on my account, especially when they charges were authorized almost two weeks before, and ESPECIALLY when bank error is the reason that they were not approved. I told him that although I strongly disapprove of their nefarious and illegal methods of obtaining the funds, I find it even more fraudulent and illegal that they would try to collect overdraft fees from me when it was their mistake that the charges were not processed initially. I then told XXXX that I want my overdraft fees back at the bare minimum. In short, he told me that he could not help me, and only my local branch could reverse the overdrafts. I went to the branch immediately, and they pointed the finger back at XXXX/Fraud Department saying that they are the only ones who can help me. Nobody at Sun Trust wants to take responsibility for what happened and are blaming me. I have documented evidence backing up every statement within this complaint. I do not feel that ANY of these charges are legitimate charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2017-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No