Date Received: 2016-10-15
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2016-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-14
Issue: Settlement process and costs
Subissue:
Consumer Complaint: SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-14
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37215
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31313
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-13
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22180
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request. There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-10
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have been trying to get a person bank account and have been denied by every bank due to being report to XXXX or XXXX. I understand that when an account is left in the negative or overdrawn that will affect the ability to get an account in the future and i have been working to get these problems resolved, but the last one i am trying to clear up is with Suntrust Bank. They have something on my banking history reporting fraud. I have tried countless times to contact someone that can tell me what this means and why it is on my banking background. Each time i call i am transferred over an over again and nobody can give me any answers and its becoming so frustrating. I opened an account at suntrust about 6 years ago for a XXXX my sister and I were starting together. We opened the account with a a check deposit that we received from the company called XXXX. The check was for about XXXX dollars. I opened the account and deposited this check and was told it would be held for 7 to 10 days because it was a large check and a new account. I understood an had no problem waiting. A few days later i received a notice in the mail that my account was closed and I would receive the money deposited by mail with in 30 days. When i called the bank to inquire why the account was closed i could not get an answer as to why and again was given the run around as to why they closed the account. It took me 3 weeks of calling and going in the bank to get the money we had deposited and due to them holding this large check an delay us getting the funds, our business suffered. We were a new start up bakery and were relying on that money to fill orders, buy supplies and fill orders from the XXXX promotion we had done. Once the account was closed i was unable to open an account any where else because suntrust reported to the what ever system banks check when you apply to open an account that i had committed fraud and my account was closed. Its been 6 years now an it still remains on my record and i have not had a checking account since. I just applied at XXXX XXXX and again was denied because of this suntrust incident. Im beginning a new business venture and need a bank account but do not know what i can do to resolve this issue. Thanks XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2016-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-09
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32244
Submitted Via: Web
Date Sent: 2016-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-08
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2016-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No