Date Received: 2015-08-25
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment. Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful. I believe this is an unfair treatment.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2015-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-25
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.
Company Response: Company chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.
Company Response: Company chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-24
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: Lost condo to foreclosure due to Suntrust failure to properly and timely process modification.
Company Response: Company chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-24
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law. On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it. The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account. By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.
Company Response: Company chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-22
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold. XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies. XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery. XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX. XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA. I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers. XXXX XXXX : my check XXXX cleared my bank. XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal. They obviously cashed the check without a problem, 13 days after they received it. I do n't understand how I can be responsible for their bad management ofreceived funds.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 95616
Submitted Via: Web
Date Sent: 2015-08-22
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-21
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22401
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-08-21
Issue: Credit decision / Underwriting
Subissue:
Consumer Complaint: We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33183
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-08-21
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust. This problem between the XXXX banks has been going on since XXXX 2015. SunTrust was supposed to sign a Subordination for my Equity Loan. I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX. I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX. It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2015-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No