Date Received: 2016-11-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-09
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33328
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-09
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92707
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-08
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2016-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-06
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77706
Submitted Via: Web
Date Sent: 2016-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-06
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: SunTrust Mortgage has been trying to force a foreclosure on my house for years now. Harassing phone calls and letters to intimidate me. They have not been applying my payments and misapplying payments and advise me to not pay until they figure out my mortgage. It started in XX/XX/XXXX with a misapplied payment. XXXX was payed on my XXXX mortgage and payed it off. XXXX mortgage was XXXX. I was contacted by SunTrust Mortgage and told my house would be foreclosed for no payment. I explained I payed at branch. I went back to the branch and was told the payment had been misapplied. So I spoke with branch XXXX and they said they would fix it. I made another payment a couple days later of XXXX to satisfy my XXXX mortgage. They held money in suspense. I made my XX/XX/XXXX payment in the amount of XXXX. Again held in suspense. I am told to not make anymore payments by SunTrust Mortgage. XX/XX/XXXX rolls around and I get letter of forclosure. I contact SunTrust and threatened to seek legal help. They send me to there escalation department. They cancel my life insurance in XX/XX/XXXX and did n't tell me. I 'm getting rude calls from associates from SunTrust Mortgage. Threatened forclosure and telling me that I need to bring in XXXX and it would satisfy my payments for XX/XX/XXXX and XX/XX/XXXX because they close the XXXX mortgage. I EXPLAINED that I would sue them if they did n't apply my money where it was supposed to go. Every time I took in money that and XXXX told me to take in they acted like they was n't going to apply it. It sat in suspense for 4 months causing my credit score to drop to a XXXX. I got a letter saying that they would foreclose in 14 day in late XX/XX/XXXX. So I reached out to Hud then hope and had a councilor go over my case. We did a conference call. All this time they would n't let me speak with my home preservation XXXX but when my hope councilor call in with me they changed there tone and started working on it. I had been trying for 4 months to get it resolved. My hope councilor spoke with them and got in contact with my home preservation councilor first phone call. This was a Tuesday. By Saturday they applied the misapplied payment. Then told me to bring in XXXX and something dollars and then XXXX for second loan to fix it. Then turned around and misapplied the XXXX something and called me again harassing. My credit still has n't been fixed and Im tired of SunTrust Mortgage trying to be slick. If I would n't have seeked a professional help they would of forced me out of my house and kept my money. After it all was said and done I was 2 months ahead with my mortgage. My property value has tripled and I have owned the house 9 years paid XXXX it 's worth XXXX I owe XXXX they have made there money off me if they could of forced a forclosure they could sale my house easy and make a quarter XXXX dollars. XXXX ... ... ... Shame on SunTrust Mortgage. Oh yeah 9 years and they will not refinance, modify, or let me access my equity. I am still at a XXXX intrested rate. That 's why the messed up my credit because other lenders are reaching out to me to refinance. They are discriminating against me. They ca n't explain or show me how they have been Appling my payments and say I owe them XXXX in late fees when I was paying XXXX a month. XXXX is my mortgage. I WAS TOLD TO PAY XXXX FOR LATE FEES. HIGHWAY ROBBERS. HORSE THEIF. CATTLE RUSTLERS. shame shame shame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2016-11-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-03
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX. Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft. I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2016-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-11-03
Issue: Taking out the loan or lease
Subissue:
Consumer Complaint: XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2016-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-03
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I paid XXXX mortgages using my Suntrust business checking account. On XX/XX/XXXX online banking showed I had insufficient funds but all XXXX were posted, not pending or on hold, and I was charged {$38.00} for each for insufficient funds. The next day, XX/XX/XXXX, Suntrust added an additional {$38.00} return fee for each of the XXXX. This was in addition to the {$38.00} insufficient funds fees. I think I should have been charged one or the other, not both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2016-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-31
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.
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: 2016-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No