Date Received: 2019-06-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - 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: 284XX
Submitted Via: Web
Date Sent: 2019-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I called my bank on today what is Suntrust and I was calling about my check cards theyre trying to tell me that the information that they have a new system doesnt match the billing ZIP Code and I said what half that possible when you all send me my statements to the same address every single month. So I just love how Suntrust took it upon yourself to change it in the system the address I have for one card should be the same address for the other car but somehow mysteriously the addresses got changed Im not understanding hot as possible it is been the same address when I open up the account three years ago
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23234
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Please accept this as a Qualified Written Request for a Short-Pay Statement for loan number XXXX. Thank you, 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: 2019-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: As a victim of hurricane Harvey ( XX/XX/XXXX ), SunTrust bank granted me a forbearance. A letter dated XX/XX/XXXX set out the terms of the loan modification. At which time, I followed all of the terms of the agreement which was to begin paying my loan back at an amount of {$780.00} beginning XX/XX/XXXX. According to my payment record from SunTrust which I can provide, my payments were applied on time and were never late. Now Suntrust is reporting 6 months late on my credit as if XX/XX/XXXX. Ive tried numerous times to explained to untrained associates that this was not correct and that a glitch in their system caused all of my payments to be refunded, which I promptly returned along with the current payment due. I have provided dates of my payments and of letters I received outlining the terms of the agreement. All to no avail. Ive disputed through the credit reporting agencies, To which SunTrust responds with dispute resolved and a comment that is irrelevant, such as fixed rate. Their negligence is affecting my ability to financially and emotionally recover from this tragic storm. I do not want to see anyone else become a victim of their inefficient and ineffective processes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77099
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: this company is beiing file against SunTrust Line of credit. account XXXX. This is i as a line of credit that they close because after eight year never missed payment unite my father dead and we went through some hardship. SunTrust employee just harassments me for XXXX on the account call my home three to four time a week. there representative need to train they close my account with out being 30 day late. they sent the statement for the XX/XX/XXXX bill and the billing cycle is 31 day. I ask them not to call my house any more. and they said just pay the XXXX and we will stop call. this is nothing more then harassment for XXXX. never being late or missed any payment. the representative told me that my line has a10 grace time before it come pass due. this is what there me respresentative. went dose the hardship come in after loss a family member and upstanding
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2019-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: My XXXX XXXX account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint Suntrust Bank Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to XXXX XXXX at fax # XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. According to XXXX XXXX, my Bank should be refunding me the unauthorized charge which Suntrust has denied because it seems like there seems to be a miscommunication between the two companies and neither company wants to be held responsible. Please see attached correspondence with XXXX XXXX and the police report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2019, I was in the XXXX Airport. That is the date the fraudulent charges started. I received a call from Suntrust Fraud Department 2 days later, where they asked me over the phone to review charges and say if they were mine. At the end of the call, I was advised they would send a list for my signature, and I would be able to review charges to ensure we caught them all. Next thing I heard was on XX/XX/XXXX, when Suntrust reversed an approximate {$2300.00} provisional credit they had applied since I had not responded. I went to my local SunTrust and completed the form on XX/XX/XXXX and discovered over {$7000.00} worth of fraud had occurred. And, most were quite obvious, as they were happening in XXXX Ohio, and I live in XXXX XXXX. I then had the SunTrust representative fax it to the fraud department. I have the fax receipt. To begin, the reversal of the initial provisional credit occurred prior to the 60 days allowed to report fraud. I have also not been given a provisional credit for the {$7000.00} within 10 days as mandated. Numerous calls and faxes and nothing has happened. I just want this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2019-06-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-10
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30066
Submitted Via: Web
Date Sent: 2019-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A