Date Received: 2019-08-16
Issue: Unable to get your credit report or credit score
Subissue: Other problem getting your report or credit score
Consumer Complaint: Because of their hard inquiry on my credit, I've been denied a loan specifically citing this company as the reason why i was denied. the new company refuses to reconsider the application without proof. They want the official letter of denial from them. the letter is listed on their website, but gives no way to download or printer said form. The new company will now take any other form of the form besides the official PDF. so i can't copy and paste, i cant take a screenshot. the company insists there is a way to download on their site. I work in XXXX and i can promise you their site does not have a way to download the form. and they are refusing to be of any further assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43228
Submitted Via: Web
Date Sent: 2019-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-16
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60133
Submitted Via: Web
Date Sent: 2019-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-15
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Single owner of my property and my house XXXX XXXX. Suntrust Mortgage Unfair reporting created debt unauthorized lending practices anti trust issues of personal information was used as a Mortgage Scam Electronic registration system, Mortgage Fraud, securities fraud ... The Washington Supreme Court ruled that MERS is not considered a beneficiary under state law. Fla can a business operate without a identification number ( EIN ) or tax number? LLC owners must still pay federal taxes. LLC owners may need an EIN, or Employer Identification Number ... Without one, your business can not operate legally. inaccuracy, fraud and scamI never signed these contracts, they were Fraudulent identify theft and mortage theft. May Be Submitted In My Name Or My Identity Fraudulent mortgage documents MERS Assignment of : Mortgage accts. accuracy, fraud and scam of Electronic Registration Have Been Used without My Consent To Fraudulently Obtain Goods Or Services Mortgage. XXXX county records, tax fees and documents are missing banks cant own real estate with tax fees or records found at the XXXX XXXX county clerk office. county land records show I have never authorized these loans. I have been extorted by and scamed someone is using my identity to pay debts that i do not owe. while others had forged signatures or documents put together by someone with very poor Photoshop skills.the electronic mortgage registry with the same name. There must of been an error in their SYSTEMS. I am the property Owner and deed owner. MERS was used Fraudulent mortgage documents. to creat this acct. force me to pay a debt that i don not own. i own my home and have the deed, both to the land and the property. This is not my account. i am owed money from this account. Suntrust Mortgage reported to XXXX, XXXX and XXXX Real Estate Debt {$100000.00} I. MERS Mortgage Fraud MERS ASSIGNMENT nstallment Loans Collections Debt Total Debt {$110000.00}. Something as part of a whole.Sun Trust Mortgage organization as a ilegal corporation created a mortgage using my old name and address signitures copied and pasted on documents which was sold from one bank to another, then an assignmenta document showing that the mortgage has been transferred. Fraudulent mortgage documents. Sun Trust Mortgage I have paid money for i debt i dont not owe.although i have {$700.00} Paid 516 Months. copies or photos of documents I have never authorized this forge signiture.SUNTRUST MORTGAGE,. i paid to avaid damage to my credit and home but i dont no owe this debt. Nor did i authorized these accounts. loan no. Conventional Real Estate Loan, Including Purchase Money company with Tax no. and without EIN number to operate in the state of florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX XXXX billing for a mortgage i do not owe. XXXX. i am owed a refund for the money i have invested into these accounts. I will need to send documents by mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32114
Submitted Via: Web
Date Sent: 2019-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: The mortgage company made a payment to the town for past due taxes. Unknown to me that this was done until after the fact. They have now increased the mortgage to a payment beyond a reasonable amount. I applied for a loan modification and the payment is still not reasonable. I was approved by XXXX XXXX for a non interest loan to pay the past due taxes. My representative has attempted to obtain a statement from the mortgage company to state what was paid on the past due amount so that we can reimburse the mortgage company. I have also attempted to get this from the mortgage company and after daily calls since XX/XX/XXXX, the mortgage company states they can't provide a statement showing what they paid for past due. They have stated their records only go back to XX/XX/2019 when the payment was made XX/XX/XXXX. I have spoken with supervisors in the mortgage department, customer service, Tax department and the escrow department. Have had no resolution to obtain a document. If this is not addressed immediately, I may loose the state loan and will also be put in a position of foreclosure on my residence. I am making my standard mortgage payment and the mortgage company is refusing to apply it to my mortgage amount. Phone calls are XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 ( 2 hours on phone ), these are the calls I have documented which are not all calls made to the mortgage company. The state also made several calls to the company. Suntrust Mortgage, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA. Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product. Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval. The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria. I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's. When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 220XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number. When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so. On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me. I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account. During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no. I asked her when I would get my money back from the account. She said around 20-25 days. After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again. In the meantime, I have received my debit card, emails with promotions as if Im still a customer. Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know. So why, SunTrust did you close my account. I believe I am entitled to know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2019-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75077
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2019-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A