Date Received: 2015-07-02
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30040
Submitted Via: Web
Date Sent: 2015-07-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-29
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: My husband, XXXX XXXX, and I filed a Chapter XXXX bankruptcy XXXX restructuring of debt ) in Georgia on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we filed to covert our case to Chapter XXXX XXXX total discharge of debt ). In XXXX XXXX, we incurred a debt with Suntrust Bank when our checking account was closed out with an outstanding balance. This occurred before our bankruptcy was converted, and therefore, should have been written off by Suntrust when the bankruptcy was discharged in XXXX XXXX, in accordance with U.S. Bankruptcy Code XXXX Suntrust refuses to write off the debt and report it correctly XXXX. I have provided proof that we converted the bankruptcy after the debt was incurred, and my lawyer has sent them a letter stating that, under U.S. Bankruptcy Code XXXX XXXX b ), debts existing at the time of filing under Chapter XXXX are eligible for discharge. Since XXXX XXXX, I have spoken with Suntrust representatives numerous times. XXXX representative told me that their bankruptcy department did not remove the debt because our original case was filed in XXXX, before the debt was incurred, and that you can not add new debt at the time of conversion, which is false. I have also been told XXXX times that they would update their records and report it correctly to XXXX. I have also been told that they received my documentation, as well as the letter from my lawyer. Today, XXXX XXXX, XXXX, I was informed that Suntrust had none of this documentation on file, and that all they could do was send the account back to their bankruptcy department for review for a third time. I have spoken to XXXX more representatives from Suntrust today, XXXX from their recovery department, and XXXX from litigation. The woman from recovery told me that she would send an email to her supervisor who was out sick today, and he would call me back. The woman from litigation noticed that my account had been sent to their bankruptcy department XXXX times now and asked to call me back after she could look into my account further. When she called me back, she said that it has been taken out XXXX. This is the XXXX time in XXXX months that I have been told this, and I am skeptical.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30134
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-29
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.
Company Response: Company chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-29
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.
Company Response: Company chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-27
Issue: Application, originator, mortgage broker
Subissue:
Consumer Complaint: On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process. The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me. Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic. I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30004
Submitted Via: Web
Date Sent: 2015-06-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-26
Issue: Problems caused by my funds being low
Subissue:
Consumer Complaint: My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account. I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}. This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2015-06-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-25
Issue: Shopping for a loan or lease
Subissue:
Consumer Complaint: In late XXXX 2015, I cosigned an auto loan for a grandson living in XXXX XXXX, North Dakota. The paper work was XXXX and signed XXXX XXXX, 2015. However, starting the XXXX week of XXXX 2015 I received various notices from different banks stating that the auto loan had been denied do to my bad credit : SunTrust, dated XXXX XXXX, 2015 ; XXXX XXXX, dated XXXX XXXX, 2015 ; XXXX, dated XXXX XXXX, 2015, and XXXX, dated XXXX, 2015. All these banks turned my credit down. See attached copies. During the XXXX week of XXXX 2015, SunTrust sends me a notice, dated XXXX XXXX, 2015, stating that the auto installment payment is overdue!!! I was aghast at this notice because SunTrust had turned my credit down on XXXX XXXX, 2015, and now they were asking for their auto payment installment. Since the XXXX XXXX, 2015 letter by SunTrust turning down my credit, I had not received anything to the contrary from SunTrust, or any other bank that had turned down my credit for the auto loan. Upon receipt of this XXXX XXXX, 2015 notice by SunTrust asking for their auto payment installment, I phoned the bank stating that I had no auto loan with them because they had turned down my credit in a notice dated XXXX XXXX, 2015. How could this be? I asked them. They stated that they could not do anything about it, and for me to get ahold of the auto dealer in North Dakota. I called the auto dealer in XXXX XXXX. The auto dealer stated that the banks had turned down my grandson 's credit but not mine, and that my credit was good, and therefore they had released the auto to my grandson on XXXX XXXX, 2015. I said how could this be since SunTrust notified me my credit was bad, and they could not proceed with the financing? Again, they repeated that my credit was good and therefore they had released the auto to my grandson. I could not understand their logic. Once those banks turned down in mass my credit application, which I had signed in good faith, I completely gave up. I started to inquire the credit reporting agencies why my credit was bad. My issue is why would SunTrust Bank turned down my credit, and then turn around, a month later and ask for a late auto payment installment? SunTrust Bank, nor any other bank that turned down my credit, never ever notified me that my credit had been approved after all. It does not make sense. I state that I have no credit with SunTrust Bank because they denied my credit on XXXX, 2015.
Company Response: Company chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2015-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30030
Submitted Via: Web
Date Sent: 2015-06-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-06-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment. Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment. The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up. We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-06-24
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.
Company Response: Company chooses not to provide a public response
State: VT
Zip: 056XX
Submitted Via: Web
Date Sent: 2015-06-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: Yes