Date Received: 2016-05-03
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-02
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We had a line of credit with Suntrust Bank in 2005 for {$140.00} and we refinance our house to paid off the line of credit, we sent the payment to Suntrust, but we still getting charge for {$140.00},, please help me. Thank you XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33428
Submitted Via: Web
Date Sent: 2016-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-03
Issue: Making/receiving payments, sending money
Subissue:
Consumer Complaint: On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
Submitted Via: Web
Date Sent: 2016-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-30
Issue: Fraud or scam
Subissue:
Consumer Complaint: CFPB Complaint Number : XXXX XXXX Police Dept. Incident # XXXX FBI IC3 Complaint # : XXXX FTC Complaint # : XXXX On XX/XX/2015 what I thought was a P.T. job opportunity turned out to be a scam. I was hired by " XXXX XXXX '' as a " XXXX XXXX XXXX. '' The duties were described as " organizing purchase activity in a fixed region ... coordinating projects ( including making contracts, scheduling transportation, tracing shipments ), & providing documentation & reports. '' In short, the position boiled down to sourcing computer equipment and shipping it abroad, using my personal C.C. to pay for the equip. & shipping costs. In exchange for sourcing and shipping requested product and undergoing supply mgmt. training, I was promised a monthly salary, reimbursement for all expenditures on my credit card, commissions on " accomplished contracts, '' an iphone, paid sick time, corp. card etc. Although I performed all tasks assigned to me timely and per " XXXX XXXX '' procedure, I was never compensated as agreed. In fact, I was not compensated at all. Emails to the Project Coordinator regarding payment of wages went unanswered. Because all equip. I purchased for XXXX XXXX was charged to my personal XXXX, XXXX XXXX provided bank account info. for their supposed Corp. Acct. ( " SunTrust Account '' ) to be used for repayment of equip. & shipping costs incurred by me. XXXX XXXX instructed me to withdraw funds from the SunTrust acct. to pay the charges incurred on my card in connection with performing my duties for XXXX XXXX. However, when I attempted to draw upon funds from the SunTrust Acct., it appeared that the acct. contained insufficient funds to cover the withdrawal. Between XX/XX/2015 & XX/XX/2015, at least XXXX of the charges I sought reimbursement for were reversed. As I could not afford the {$31000.00} in charges for the equipment purchased for XXXX XXXX, I emailed the Project Manager ( XXXX XXXX ) regarding reimbursement. The project manager then gave me new bank acct. info to use. This new account apparently contained sufficient funds to cover the {$31000.00} in charges incurred on my personal credit card in connection with purchasing and shipping the requested equip., & my C.C. balance was returned to {$0.00} on being XX/XX/XXXX. AS OF THIS UPDATED LETTER, I AM DISPUTING THE IRREGULARITIES OF ALL THE REVERSALS IN CONNECTION WITH THE CREDIT CARD. ESPECIALLY PAYMENT ON THE CARD MADE ON XX/XX/2015 WHICH WAS REVERSED ON XX/XX/2015 BY THE HOLDER OF THE SUNTRUST ACCT. A TOTAL OF 16 CALENDAR DAYS ELAPSED WHEREIN A TRANSACTION WAS PAID & FINALLY REVERSED ON THE CARD BY AN OUTSIDE HOLDER AT SUNTRUST BANK. The last time XXXX XXXX sent me an email was on XX/XX/2015 wherein he said he had a business trip, & that he would check on my salary & providing a corporate card. Further, he said if I needed salary ASAP that I should withdraw from my credit card & cover it with another payment. I have returned a total of XXXX XXXX Laptops to XXXX. I have alerted XXXX & my XXXX Credit Card Fraud Dept. The C.C. is now closed and as of this XX/XX/2015 XXXX Disputes Dept. has closed the case & I owe {$23000.00}. I found a blog on-line XX/XX/2015 which names the principals in this scam by name : XXXX XXXX & XXXX XXXX. I have a voice mail dated XX/XX/2015 from XXXX XXXX soliciting the job offer for Supply Chain Manager XXXX XXXX XXXX My resume, which is found on-line via XXXX was the source of my contact info for them. I have a hard copy of this webpage & all email correspondences, acct. #, & receipts etc.. It is important to note the XXXX Lab website is now off-line. It has moved to XXXX & that too has come down " for Maintenance ''. SunTrust Acct # 's & R.N. 's associated w/scam are as follows : R.N. : XXXX Acct # : XXXX & R.N. : XXXX Acct # : XXXX XXXX XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92606
Submitted Via: Web
Date Sent: 2016-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-28
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Consumer Complaint: My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-28
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: The attached XXXX mortgage assignments by well known and admitted rob-signers are clouding title to our property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2016-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33062
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-27
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Consumer Complaint: Suntrust bank owned this loan and sends me docs with other people 's phone numbers not their own
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80211
Submitted Via: Web
Date Sent: 2016-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-26
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee. The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida. We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida. Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2016-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-25
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No