Date Received: 2016-01-15
Issue: Managing the loan or lease
Subissue:
Consumer Complaint: I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss. After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 27312
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.
Company Response: Company chooses not to provide a public response
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2016-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-15
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things. they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23059
Submitted Via: Web
Date Sent: 2016-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-13
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.
Company Response: Company chooses not to provide a public response
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-14
Issue: Other transaction issues
Subissue:
Consumer Complaint: On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX. Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX. Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why?
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-14
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold. XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy. XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
Company Response: Company chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts. The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable. On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out. XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding. overdraft fee XXXX overdraft item fee also. check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX. In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for. went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit. After complaining to bank they would not let me online again. Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23803
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-01-13
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33067
Submitted Via: Web
Date Sent: 2016-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-12
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.
Company Response: Company chooses not to provide a public response
State: WA
Zip: 98133
Submitted Via: Web
Date Sent: 2016-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-01-11
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. Thank You
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2016-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No