Date Received: 2016-12-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28278
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32137
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-18
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be. A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so. In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2016-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.
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: 2016-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-16
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2016-12-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-15
Issue: Problems when you are unable to pay
Subissue:
Consumer Complaint: This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2016-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-14
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ". The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30041
Submitted Via: Web
Date Sent: 2016-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-12
Issue: Settlement process and costs
Subissue:
Consumer Complaint: Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2016-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No