Date Received: 2016-11-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2016-11-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-21
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91604
Submitted Via: Web
Date Sent: 2016-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: , On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2016-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-20
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I write to yous again because I have a problem with my mortgage I have eight years with them and for some reason they wo n't come by my XXXX mortgages together I have XXXX mortgages paint XXXX different interest i 've been calling them and calling them do n't answer and the one time they did n't answer they did not help me he gave me the runaround they told me when I first got the house eight years ago I was going to be able to refinance both mortgages together in a year while it 's been eight years and nothing One year ago the only thing they did was refinance both of them just so I could lower my interest and that was just because I wrote to use and complain that 's when they started calling me and telling me that I can refinance and lower my interest and then they said to wait a year and I will be able to come by my XXXX mortgage together so I will just be able to have XXXX mortgage and to this day they wo n't help me out they wo n't combine them together i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally almost been XXXX i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally if you see it I have like really paid off the house with the payments that I have been making in the past eight years I was doing the math and it 's just literally made me cry because I can not believe I have made that much money in eight years and give it to them and I 'm not even close to owning this house I do n't understand why is it they can not combine both of the mortgages together when I 'm paying both mortgages through the same Company they say they ca n't combine it because my house is not worth what I owe and the reason I owe so much it 's because of them because they would not Combine my XXXX mortgages together not lower my interest till eight years later and I told them how is that possible when I 've been paying this house for eight years eight years never been late always on time and they still wo n't combined them together to me it is the da and they still wo n't combined them together to me it is the they just are making too much money on me there are times I just want to stop making my payments and lose the house because it seems like I 'm never gon na finish paying off this house with the way things are going with these people they took advantage of me because when I did go get the loan to finance the home I was not really aware of the conditions of financing a home and now with them not helping me out I feel like there is no wait out that I am going to end up Paying 10 times the amount of what I owe and 20 times what the house is worth i 've been trying to get them to help me cut the XXXX big trees I have in my backyard because they are damaging my backyard and my house and they say it 's my problem I ca n't sayvo up or anything I 'm just Working to make sure I pay the mortgages on time just so I wo n't lose my home and have bad credit but there is times that I feel like I want to do the bankruptcy just so I do n't have to keep on making the payments but I 'm hoping they buy me writing to you you 'll be able to find a way to help me out and for them to know that they are people like you out there to help people like me and that 's a that they are people like you out there to help people like me and stop taking advantage of people like me I know back then I really did n't know about financing and interest but now I do and I Know that I have paid more than half of what this house is worth and thisl that I have paid more than half of what this house is worth in these past eight years I know a few people that already have their home paid off in less time than me and that makes me embarrassed to know it and here I am still making my payments and yet does n't seem like it 's getting paid off all the money I 'm se
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53215
Submitted Via: Web
Date Sent: 2016-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-20
Issue: Settlement process and costs
Subissue:
Consumer Complaint: On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle. I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.
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: 2016-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-17
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30052
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-17
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23233
Submitted Via: Web
Date Sent: 2016-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37604
Submitted Via: Web
Date Sent: 2016-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-14
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: My bank processed the same check twice, causing an overdraft. Then they charged me a fee for the overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2016-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No