Date Received: 2019-06-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: XX/XX/2019/ $ XXXX insufficient credit history-suntrust bank/XXXX XXXX/ federal equal opportunity credit act/
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61820
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22201
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I signed up with XXXX XXXX aka XXXX XXXX to bid on a XXXX XXXX XXXX, they charged me a deposit for bidding on the vehicle of {$900.00} enabling a maximum bid limit of {$9000.00}. Enclosed are bidders IPs etc XXXX XXXX XXXX and XXXX repeated bid my bidder account past all other legitimate bids of {$7000.00} up to may max allowed limit of {$9000.00}, No other bidders than my bid via XXXX XXXX XXXX the Vehicle up It bid up my own bids fraudulently. I tried to resolve this with XXXX and XXXX to reduce the price to the proper last legitimate bid of {$7000.00} but they refused. I refused to honor the shill fraud bid with Fees from XXXX and XXXX added up to {$10000.00} they are theives XXXX XXXX then kept my deposit of {$900.00} for a relist Fee for Car I filed a dispute with my bank Suntrust and they declined the dispute This was fraud I should be protected from fraud via the terms of my Visa account I have fraud Fraud theft Complaints on XXXX and XXXX with various law enforcement agencies FTC, FBI, Stage AGs and Florida Auto Dealer License
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89048
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2019-06-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a new account with Sun Trust bank on XX/XX/19. I deposited {$1000.00} in cash and a check from XXXX XXXX for {$3500.00} for a total deposit of {$4500.00}. I asked if the check would be " held '' since it was a new account and was told there was no way to know but to check my online account on XX/XX/19. When I attempted to open my online account, I got a message that said the system was " temporarily not available and try again later ''. After attempting that for several hours, I called Sun Trust and was informed that the account was under review to be closed and they had the right to close the account for any reason or no reason and that was part of a disclosure I would have signed to open the account. I was also informed that it would be 7 to 10 business days before I could get this resolved. I went to the local branch that same morning and spoke to the customer service associate who had assisted me on XX/XX/19. He informed me that the check had been flagged as possibly fraudulent by some entity that all banks belong to. He said the account had been placed in a " no deposit/no withdrawal '' status and there was nothing he could do. OnXX/XX/19, I called the customer assistance line and spoke to a supervisor who essentially said there was nothing she could do but she would refer it to the appropriate department. I called XXXX XXXX on XX/XX/19 and asked them if they know of any reason there would be a problem with the check. They said no but they would get back to me. On XX/XX/19, I got a voice mail message from Sun Trust providing me with the name of an individual who was going to work on my case and gave me the phone number to call to speak with her. I called daily and left messages but no response. Also, on XX/XX/19, XXXX XXXX called and informed me the check had cleared their bank and been paid. So at this point, Sun Trust has {$4500.00} of my money but refuses to even discuss the situation with me other than to say they are following their rules and procedures. On XX/XX/19, I received a letter via US mail that stated the check was being held because the bank had " confidential information '' that the check may or may not be paid. On XX/XX/19, I had another conversation with a Sun Trust supervisor who told me the check had not cleared, that the account was under review to be closed and it could be 25 days before it is resolved. On XX/XX/19, I went back to the local branch and spoke to the branch manager. I provided him with a copy of the check showing that it had cleared and other documentation. He stated he would attempt to get this resolved but couldn't guarantee it. Bottom line, I deposit {$4500.00} in good faith and Sun Trust is holding the funds even though {$1000.00} was deposited in cash and the check cleared on XX/XX/19. They are currently stating the account is " under review '' to be closed and once that is decided they will start the process to potential return my funds but it could take 25 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Getting the loan
Subissue:
Consumer Complaint: I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed. I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer. I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2019-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-14
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts. In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day! We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period. The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble! When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks. PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served! Thank you fo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A