Date Received: 2015-03-30
Issue: Settlement process and costs
Subissue:
Consumer Complaint: The XXXX company have tried to enforce a fraudulent agree ... .I have paid over {$220000.00} on my loan of {$170000.00} ... .I kept my promise an did not Breach the Contract as was done by Suntrust and charge me a very higher interest rate. My hands in clean and will need more protection from these greedy lenders. " " '' HOW CAN THEY ENFORCE AN ILLEGAL CONTRACT TO STEAL OUR HOME? " " '' IS THIS A SCAM ON THE AMERICAN PEOPLE?
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2015-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-30
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: I have applied for a loan modification. to split my past payments up over a certain amount of time to bring my payments current. I am a XXXX. XXXX # XXXX. I have access to the multiple listing services.SunTrust Mortgage did n't follow the Principles of Appraisal Practice and Code of Ethics the New Appraisal Standards, for my loan # XXXX. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice.Here 's the translation : Appraisers ca n't get in trouble for coming up with a value that 's too low. Lenders do n't lose money in the accounting sense when the appraisal is too low. All that happens is that they do n't make money they could have made from doing that loan, an item that does not show up on financial statements. Appraisers can, however, get in trouble for coming in too high.I pulled XXXX corporation info ( supplied ) with the state of Maryland. It seems their corporation is expired. They are not licensed to do business in Maryland.Please investigate this. I am going to be contacting the agents whom listings were used as comps. Since the agent that supplied this broker opinion seems to have puffed my property to push its value up and downgraded these o beautiful listings to push my properties value up. I do n't know if emortgage or SunTrust made the agent manipulate the values this way. I hope the board of realtors and real-estate commission audits all brokers price opinions that emortgage has supplied for SunTrust. And invalidated any forced short sales SunTrust has performed due to the pushed values. I am also notifying the CFPB about SunTrust 's actions. Concerning the Broker Price opinion. This is n't a valid price opinion. I expect SunTrust mortgage to order a full appraisal by a licensed Maryland appraiser. I told SunTrust I would pay for the Appraisal. But now, I will not, since they keep playing games.XXXX. The address verification photo. Pre-dates this price opinion. This photo was on the other price opinion that was supplied by emortgage logic a few months ago.Check the roof. The old picture has no damage and the XXXX set of pictures by the sales person shows the recent roof damage. This should have set the stage for the sales person to rate the home as a fixer upper and not in average condition. As stated by the sales person. None of these comps are similar. Since they are all in immaculate and superior condition. I have enclosed pictures of the actual comps used. Showing their superiority. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice. The Sales person 's MD license number of XXXX is n't included on the price opinion. There is a number of XXXX. This is not a valid Maryland License number.The company address on the price opinion does n't match the sales persons license of XXXX XXXX XXXX # XXXX, XXXX, MD XXXX. There is no date on this price opinion. This price opinion has been certified by emortgage logic. Their certification really does n't mean anything since they are n't licensed to do business in the state of Maryland.There is no state in the state box.After going over all comps. I have noticed ; Comp XXXX, XXXX XXXX. MLs # XXXX sales person said it was in average shape. The home was completely updates and not in average shape. And not inferior. My home was inferior to this home. I have enclosed the listing- realtor 's view and the beautiful pictures of this updated home. This home is on city utilities.XXXX . MLS # XXXX XXXX, This is another updated home. I have enclosed the agent 's copy of the listing and the beautiful pictures of the listing. This home was listed by the price opinion as average and my home as being superior. I have down loaded the whole letter.
Company Response: Company chooses not to provide a public response
State: MD
Zip: 20874
Submitted Via: Web
Date Sent: 2015-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-29
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders. SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases. 2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned. 3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''. In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to. 2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards. 3. Stop trying to reverse miles already earned. If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch. 2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints. 3. I 'll bring to the attention of the media the unethical behavior of SunTrust. Sincerely ;
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33455
Submitted Via: Web
Date Sent: 2015-03-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-27
Issue: Loan servicing, payments, escrow account
Subissue:
Consumer Complaint: On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 22153
Submitted Via: Web
Date Sent: 2015-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2015-03-26
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}
Company Response: Company chooses not to provide a public response
State: GA
Zip: 30341
Submitted Via: Web
Date Sent: 2015-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-25
Issue: Loan modification,collection,foreclosure
Subissue:
Consumer Complaint: My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015. As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction. We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date. As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 20175
Submitted Via: Web
Date Sent: 2015-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Settlement process and costs
Subissue:
Consumer Complaint: I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property. Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me. Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations. Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone. If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.
Company Response: Company chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-24
Issue: Using a debit or ATM card
Subissue:
Consumer Complaint: I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles. Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!! SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation. If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 33432
Submitted Via: Web
Date Sent: 2015-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-23
Issue: Deposits and withdrawals
Subissue:
Consumer Complaint: A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
Company Response: Company chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2015-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2015-03-22
Issue: Account opening, closing, or management
Subissue:
Consumer Complaint: XX/XX/XXXX : opened a checking and savings account with suntrust. Checks received and used were erroneously printed with my SAVINGS ACCOUNT information. This caused numerous overdrafts, returned checks and extreme mental stress as well as confusion. When I brought it up to the branch manager she apologized and credited all charges back. She reordered checks reflecting the correct information, however, for some reason it was several months before these checks arrived. This caused, again, more stress, inconvience and money. # XXXX due to a possible security breach on my checking account, I went to my branch in XX/XX/XXXX. I closed the XXXX checking account and savings account and reopened a new one. I did not open a new savings account, however, apparently the person helping me did open one. I was printed starter checks while waiting for the real ones. It took XXXX phone calls and 8 weeks before the checks arrived in the mail. In the meantime, I used the information on my starter checks to set up my automatic payments ( credit card, car insurance, electric etc ) well, imagine what happened. MY STARTER CHECKS HAD BEEN PRINTED WITH MY SAVINGS ACCOUNT INFORMATION! While trying to straighten out this repeated error I 1 : dealt with an extremely XXXX, young, know it all teller who spoke to me in an incredibly condescending tone. 2 : had my car insurance dropped and when I called to explain the issue and to restart my policy I was hit with 3 : a $ 20+ increase in my monthly rate due to the 9 days lapse in coverage, even though it was not my fault. I did not even have any access to the savings account to make deposits. 4 : suffered negative and costly consequences from my power company, cell phone provider and credit card company. 5 : I finally went to the bank on Friday XXXX XXXX to close my checking account and the savings account and found out the bank had been pulling funds from my savings to cover my checking. I never asked for this service. I had no access via deposit slips or through my ATM debit card to this savings account so therefore was unable to make deposits to the savings account I did not know I had. 6 : the mobile app would not work for me once I got the new checking account so I deleted it. Web banking was seemingly constantly undergoing updates and changes so it was very hard to access my account on line. 7 : THIS IS ABSOLUTELY INSANE! Today I recieved a letter from suntrust stating that my checking account had been closed and charged off with a negative balance. This letter, dated XXXX XXXX, actually is referring to the checking account I CLOSED IN XXXX! When the account was closed it was in good standing. I never recieved any calls or mail from the bank regarding this until today. So I am now lead to believe the account was in fact never fully closed and some sort of inner bank activity was happening with it against my stated wishes and knowledge. How is this legal or even possible?? When I was at the bank on Friday, as well as the phone call with the very rude young man, I was told by both of them that they could see the old account and the date it had been closed by me with the help of a " manager '' at the branch. Yet, I recieve a letter on XX/XX/XXXX that Suntrust closed the account and is now demanding {$100.00} in fees. This shows a very sneaky and dishonest business model and perhaps even theft, not to mention extremely poor customer service regarding not just XXXX but XXXX accounts, leaving me with having to clean up the mess with not just Suntrust but also the businesses I use that deduct money, in good faith, from my account. My credit rating may be negatively affected, as well as relationships with my creditors and service providers. I believed yesterday I was finished with this stressful and costly experience. Now I am at wits end and have lost all faith in the banking industry.
Company Response: Company chooses not to provide a public response
State: VA
Zip: 23185
Submitted Via: Web
Date Sent: 2015-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: No