Date Received: 2015-09-26
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am in extreme need of advice and possible services, regarding a home I purchased back in XXXX, XXXX. I bought this house in hopes to retire to after I completed my over 20 years of XXXX service in the XXXX XXXX. I used my VA Home Loan and since the home was new, built in XX/XX/XXXX, XXXX did n't require a home inspection. It turns out after several months living in this home my wife and middle daughter begin to get really sick and we could n't figure out why? I was not living in the home due to back to back deployments XX/XX/XXXX ' and did n't really know how bad things really were. My wife reached out to the builders, XXXX XXXX on several occasions and they refused to help her. Finally in XX/XX/XXXX we could n't continue to pay for the things that kept going on with the home and the continuing health issues suffered by my family, so we moved. I could not afford to pay rent somewhere and the hefty mortgage on the home in question. After several months we hired a listing agent to take care of the property and list it for us. After a day or two of being in the house she ( XXXX XXXX Listing agent ) noticed a strange odor in the house and thought we might have been hit with at the time they were calling " XXXX DRYWALL '' made by XXXX ( XXXX )! She recommended we have a home inspector come in and see if this was the case. It turns out it was exactly that. She then recommended an attorney that was already representing hundreds of other clients for the same issue. It turns out that after the initial class action was closed and all affected were compensated, every one that came after would have to hope the lawsuit would be reopened. We have been in the Class Action lawsuit ( MDL NO XXXX ; SECTION XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ) for 4 years now. That is the suit and the address of the house affected. I was informed by my attorney on XX/XX/XXXX because the XXXX, which I was unaware of, foreclosed on the home that I most likely would n't receive a settlement. I know that my home builder and suppliers are both on the list that I received from my Attorney ( XXXX XXXX ESQ. ) of XXXX, XXXX law offices home based on XXXX XXXX, FL. She informed and recommended to me, that I should look into a foreclosure attorney to possibly filing a single claim on this situation. I really would appreciate it if you could give me any information whether you think your office could intervene or not? I just want to find a resolve to this situation, so I can start rebuilding what would be an unblemished credit report, if not for my purchase of " what I thought would be my dream home '' I received a notice today XX/XX/XXXX stating that XXXX XXXX was going to foreclose on me and put a lean on my bank accounts and any property. I also want to make it clear I have reached out to everyone you can possibly imagine from XXXX XXXX XXXX, Atty Gen XXXX XXXX and all the way to the Office of the President and the Office of the First Lady. I have years of documentation from my desperate attempt to receive the proper attention to this life-altering experience. Please Help!!!! Respectfully, XXXX A XXXX ( XXXX ) XXXX : ( XXXX ) XXXX : XXXXXXXXXXXXXXXXXXXX
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33596
Submitted Via: Web
Date Sent: 2016-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-26
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.
Company Response: Company chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-25
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number. The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute. We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit. Please see the attached documentation.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22030
Submitted Via: Web
Date Sent: 2015-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-25
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22304
Submitted Via: Web
Date Sent: 2015-09-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30294
Submitted Via: Web
Date Sent: 2015-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-09-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2015-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-22
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home.
Company Response: Company chooses not to provide a public response
State: TN
Zip: 37363
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30269
Submitted Via: Web
Date Sent: 2015-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: they closed my account because im XXXX which a federal lawsuit is being prepared and about to be filed against them but they have no sent me my money there holding my money and wont tell me when there sending my money
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33647
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-09-21
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me.
Company Response: Company chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No