Date Received: 2016-06-24
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 032XX
Submitted Via: Web
Date Sent: 2016-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2016-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-08-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-22
Issue: Customer service / Customer relations
Subissue:
Consumer Complaint: In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30504
Submitted Via: Web
Date Sent: 2016-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-20
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34668
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-20
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: SunTrust Loan Number : XXXX SunTrust Customer Number : XXXX On XXXX XXXX, XXXX, we closed on a loan with SunTrust Mortgage to build a primary residence at XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. This contract was SunTrust 's construction-to-permanent loan product, a one-closing loan, to be converted into a permanent, 30-year adjustable-rate loan after the construction process, and certificate of occupancy was obtained. Please see the attachment showing various SunTrust Mortgage products, XXXX of which is the one-time closing, construction-to-permanent product, that we were given in XXXX from the financial representative for the builder. We moved into our home in XXXX of XXXX. We continued to receive statements for interest payments on our construction loan from SunTrust. We continued to pay all interest payments, as required by SunTrust, monthly, until we received a notice in XXXX, XXXX, stating our construction loan was due in full. Before XXXX, XXXX, no effort was made by SunTrust Mortgage to convert our loan to a 30-year, adjustable-rate mortgage. SunTrust Mtg. began foreclosure procedures in XXXX, XXXX. At this time, SunTrust informed us we had to re-qualify for the loan. This was absolutely in violation of the original loan paperwork. The loan was a construction to perm, with a 1-time closing for all. SunTrust knew we would not be able to re-qualify, as in the time period of beginning to build our home and XXXX, our family business was hit hard by the financial climate. ( Yes we were still making the interest payments on the contruction phase of the loan in good faith of an eventual conversion to permanent ). We asked for an opportunity to modify our loan with SunTrust Mtg. SunTrust contacted us and requested information to modify our loan, however, after submitting items as requested by SunTrust, all communications from SunTrust ceased. SunTrust did not communicate with us as to whether or not we were approved for a modification. We heard nothing from SunTrust, until they contracted us to resume foreclosure procedures in XXXX, XXXX. We then attempted to gain some assistance via the Independant Foreclosure Review process. After being denied assistance through the Independant Foreclosure Review process, we contacted XXXX XXXX ( the company heading up the Independant Foreclosure Review ), to ask why we were denied. XXXX XXXX informed us that SunTrust refused and said our loan was for a home that was not our primary residence. The aforementioned loan was, in fact, for our primary residence. We believe we fell through the cracks for any type of assistance, due to the fact that SunTrust never " permed '' up our loan ; thus, our loan was never serviced as a conventional, adjustable-rate, 30-year loan. As we were not " permed '' up, our loan was always in a contruction loan category. We attempted to contact SunTrust to request our loan be modified, however, SunTrust never communicated with us regarding loan modification. SunTrust foreclosed on our loan in XXXX, XXXX, selling it on the courthouse steps for almost XXXX of our original purchase price. The amount SunTrust sold our home for would have been a managable loan for us, had they worked with us to modify our loan. We believe SunTrust is in breach of contract, by failing to convert our construction-to-permanent loan into the 30-year, adjustable rate mortgage, as agreed upon in the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-20
Issue: Billing disputes
Subissue:
Consumer Complaint: XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2016-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-18
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33404
Submitted Via: Web
Date Sent: 2016-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-16
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33068
Submitted Via: Web
Date Sent: 2016-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-16
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.
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: 2016-06-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No