Date Received: 2019-07-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2019, I tried to log into my bank account via online and could not get in. I contacted the XXXX XXXX Suntrust bank and spoke to the branch manager, Mr. XXXX XXXX XXXX, who told me that I needed to come to the bank. Once I arrived, I met with Mr. XXXX who advised me that there were 7 mobile deposits made to my bank account in the amount of {$650.00}. According to the bank statement dated XX/XX/2019, 2 deposits were made on XX/XX/2019 and five ( 5 ) were made on XX/XX/2019. At that time, I explicitly told Mr. XXXX that I did not make these deposits. Thus, the bank account was closed and a claim was filed. On XX/XX/2019, I requested a copy of the claim filed, which was never provided to me. On XX/XX/2019, I contacted the Suntrust Fraud department to find out the status of the claim filed. Ms. XXXX XXXX of the Fraud department advised me that she had just been assigned my case. On XX/XX/2019, over 2 weeks after the case was assigned to Ms. XXXX, I contacted the Suntrust Fraud department again to find out the status of the claim filed. A Suntrust Customer Representative told me that the case was closed and a letter was sent to me via mail indicating that Suntrust came to the conclusion that I owed the outstanding balance of {$1400.00} because they assumed I made these deposits. On XX/XX/2019, I received 2 letters dated XX/XX/2019 from the Fraud department indicating that I owed {$1400.00} to Suntrust. However, the letters did not explain how the Fraud department came to this conclusion or how they came to the amount owed, nor was there any supporting documentation provided by the Fraud department. On XX/XX/2019, I filed a complaint with Suntrust headquarters. I was contacted by Suntrust advising that they would look into the matter. From that date on until now, I have contacted Suntrust to check the status and no one did not return my calls. Instead, I received a letter dated XX/XX/2019 from the XXXX XXXX XXXX XXXX XXXX indicating that I owe {$1200.00}. I contacted the XXXX XXXX only to find out through them that Suntrust determined I owe this amount. Yet, Suntrust never returned my calls to let me know the status of their second investigation. In my complaint filed on XX/XX/2019, I indicated the following. Suntrust claims that they honored 2 of the 7 mobile deposits. This is untrue. In the Hold Item Letter dated XX/XX/2019, the 2 checks Suntrust claim that were honored were placed on hold on XX/XX/2019. Further, the Hold Item Letter indicates that these funds would not be available until XX/XX/2019. In addition, the sidebar of the 2 checks Suntrust claims they honored reads Return Reason N, Altered-Fictitious. If these items were honored, then why does the sidebar of the checks indicate that they were returned and the reason why? However, the bank statement dated XX/XX/2019, at page 3, indicates that these 2 items were paid on XX/XX/2019. How is this possible if on XX/XX/2019, the 2 checks were placed on hold and the funds would not be available until XX/XX/2019, just as the other 5 checks that were allegedly deposited? The bank statement dated XX/XX/2019 indicates the 2 paid items as debits/withdrawals. How is this possible if the account was locked on XX/XX/2019. Once your bank account is locked there can not be any transactions made thereafter? Thus, these items could NOT have been honored. Further, I do not have a XXXX XXXX XXXX account nor do the signatures match on the back of the checks deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2018, I entered into a verbal contract with XXXX XXXX XXXX ( the " Defendant '' ) to pressure washing my home in the amount of {$190.00}, and to paint my deck the following day ( at a price to be determined ). I paid the Defendant via check # XXXX in the amount of {$190.00}. On XX/XX/XXXX, I noticed my check had been altered and cashed by the Defendant at his bank, Sun Trust Bank, in the amount of {$290.00}. Immediately I stopped payment on the check, reported the fraud to my bank, XXXX XXXX XXXX XXXX ( XXXX ) as well Sun Trust Bank and the XXXX Police Department. After XXXX investigation, {$290.00} was returned to my account. On XX/XX/2018, I ( the Plaintiff ), instituted a civil complaint in Small Claims Court ( XXXX ) for money owed against the Defendant. On XX/XX/XXXX, we appeared before the magistrate. The magistrate ruled that since the money had been returned to my account, she was dismissing my complaint as I was seeking {$5000.00} in punitive damages. Unhappy with the magistrates decision since uttering a check is a felony per conversations with representatives from my bank and law enforcement officials, I filed an appeal on XX/XX/XXXX, again, seeking {$5000.00} in punitive damages. On XX/XX/XXXX the Defendant, his attorney, and I appeared before an arbitrator. The Defendant 's attorney filed two ( 2 ) counterclaims against me. The arbitrator ruled against me on one of two counterclaims filed by the Defendant 's attorney. Per counterclaim # 1, the arbitrator ordered me to pay the Defendant {$190.00}. Per counterclaim # 2, the arbitrator dismissed the Defendant 's claim wherein he sought damages for defamation. On XX/XX/XXXX, I filed an Arbitration Request for XXXX XXXX XXXX to appeal the arbitrators decision. Around XX/XX/XXXX, the Defendants counsel filed for summary judgment and was awarded such due to an oversight on my part to respond to the counterclaims. On XX/XX/XXXX, I eventually responded to the Defendants counterclaims in addition to the Courts summary judgment entered against me. On XX/XX/XXXX, this case ( XXXX ) was heard before Judge XXXX XXXX in NC XXXX XXXX. My altered check submitted as evidence clearly shows the Defendant endorsed it and received cash presumably in the amount of {$290.00}. Judge XXXX apparently believed counsels statement and the affidavit of Sun Trust Bank Manager XXXX XXXX over my statement despite my evidence, such as my bank statement as well as documentation from my XXXX. Judge XXXX made me feel as though I was the villain and not the victim in my own case! He ordered me to repay the Defendant more than he was entitled to, if anything. Now I have to pay the Defendant {$290.00}, a check cancellation fee of {$12.00}, and interest of 8 % commencing from XX/XX/2018, with regard to counterclaim # 1. Counterclaim # 2 was dismissed by counsel after Judge XXXX stated now I have a problem with this counsel. The Defendant 's counterclaim # 2 was riddled with lies. I had a witness present in addition to signed statements from property owners to refute the Defendants claim of loss of business and income. Judge XXXX ruling against me is completely absurd! How is it that the Defendant ( who cashed an altered check ) gets to be compensated for more than the contracted amount ( {$190.00} ). Why am I being punished when the Defendants counsel ( XXXX XXXX ) stated to the Court, that according to Sun Trust Branch Manager XXXX XXXX, it was the banks error in entering {$290.00} and that the Defendant only received {$190.00}? Again, Defendants counsel stated in court that, according to Sun Trust Bank Manage XXXX XXXX, the bank made the error of entering the check for {$290.00} which hit my account. Defendant counsels claim that ( per his interpretation and conversation with XXXX XXXX ) the coding on the back of my check ( # XXXX ) was not honored by Sun Trust Bank for {$290.00}. This is an absolute fabrication. My check hit my bank and sent my account into a negative balance which was depicted on my bank statement. Even representatives at my bank ( XXXX ) are in total disbelief of MrXXXX XXXX 's affidavit and the Judge XXXX ruling. An XXXX representative stated, the Defendant is being awarded more than what the check was written for how is that possible? I plan to file a lawsuit against Sun Trust Bank and XXXX XXXX since it was their error that is now causing a judgment against me for over {$300.00}. In addition, I plan to appeal Judge XXXX ruling as it is unfair and awards the Defendant more than he is entitled to receive because he knowingly cashed an altered my check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27712
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - Suntrust Bank dba XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXXr XX/XX/XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93314
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply! They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information. I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc. They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07017
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Suntrust has used fraudulent and non-transparent 'posting dates ' to steal from me. They will remove money from the account, then return it, only to take the money back once the given charge would drop my balance below zero. This is clear theft by deception and fraud. Additionally, I have directed Suntrust to DENY any transfer that would lead to insufficient funds, yet they still chose to defraud me by ignoring this directive. Suntrust has committed theft by deception.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BETWEEN XXXX AND SUNTRUST I AM NOT REALLY SURE WHO TO BLAME AT THIS POINT. I AM VICTIM OF AN IDENTITY THEFT, FOR MONTHS I HAVE BEEN SENDING DOCUMENTATION TO BOTH COMPANIES TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I DONT KNOW WHAT ELSE TO DO, WHO TO COMPLAIN. PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED, ITS NOT MINE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77035
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or? I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them. I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required. We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money. Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this? XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing. 2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account. This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2019-07-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ). We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent. I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title. On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV. XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title. XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us. This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time. Thank you for your assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20176
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-08
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX issued a two party check to my ( estranged ) XXXX AND myself. He endorsed the check, and Suntrust deposited it into his personal account, without my signature, or identification. I've talked to Suntrust twice, and am getting the run around and what it comes down to, is them telling me I can go small claims court. I'd like the bank held accountable for not following regulations, and would like the funds put on hold.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28804
Submitted Via: Web
Date Sent: 2019-07-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A