Date Received: 2019-03-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened this account on XX/XX/2018 and i was promised that if I made a deposit of XXXX $ I would get a XXXX $ bonus. I fulfilled every term and condition listed ( I have never had an account with them before ect. ). I called them to ask why I had not received my bonus 3 times! Every time I was told we will look into it and nothing was done!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11418
Submitted Via: Web
Date Sent: 2019-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability. My case # XXXX Card number ending : 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: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2019-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Contract of Insurance / Notice of Error - Please find this electronic copy with the hard copy via USPS delivery : XX/XX/XXXX CERTIFIED MAIL RETURN RECEPT SunTrust Bank Attention : Client Services Department XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of Error / Contract of Insurance Please accept this Formal Notice ensuing from SunTrust Mortgage , Inc. decision to replace the Original Modification, and issue the Contract of Insurance recorded upon the XXXX XXXX County Public Registry more particularly referenced Exhibit, in Book XXXX, Page XXXX. On or about XX/XX/XXXX upon returning home a XXXX overnight envelope was found at the doorstep of the home of XXXX XXXX XXXX and XXXX XXXX, ( XXXX XXXX ), XXXX XXXX XXXX, from SunTrust Mortgage , Inc. ( SunTrust ). Within the envelope was an unsolicited Contract of Insurance as that term is defined by N.C.G.S 58-1-10 whereas, providing indemnity against loss from the replacement of the Original Modification. N.C.G.S. 58-1-10. Contract of Insurance A contract of insurance is an agreement by which the insurer is bound to pay money or its equivalent or to do some act of value to the insured upon, and as an indemnity or reimbursement for the destruction, loss or injury of something in which the other party has an interest. Here, SunTrust seemingly provided a Contract of Insurance with the intention to mitigate the fact it, oversold beneficiary interest ( s ) in real properties, commonly known as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to competing Holders. SunTrust remains in possession of appraisals relating to the said properties in the sum of {>= $1,000,000} and XXXX respectively. SunTrust created multiple Notes among third parties, against real property securing the original modification. SunTrust failed to disclose this to the owner-occupant ( s ), resulting in competing liens against the said real property and equitable holdings. Exhibit B, SunTrust Contract of Insurance, as read ; In consideration of Lender Modifying the original terms of the loan and regardless of the reason for any loss, misplacement, omission, misstatement or inaccuracy in any Loan documentation, Borrower agrees as follows : If any document is lost, misplaced, omitted, misstated or inaccurately reflects the true and correct terms and conditions of the Modification, upon request of the Lender ( including and assignee of Lender, Borrower will comply with Lenders request to execute, acknowledge, initial and or deliver to Lender any documentation deemed necessary to replace and/or correct the lost, misplaced, omitted, misstated or inaccurate document ( s ). It goes on to state : If the original Modification is replaced, Lender hereby indemnifies Borrower against any loss associated with a demand on the original Modification. Previously, counsel to the XXXX XXXX Commissioner of Insurance wrote and advised that, as long as the arrangement is between a lender and its borrower and does not include an element of indemnification, then the arrangement is not a contract of insurance under N.C. Gen. Stat. 58-1-10. SunTrust Mortgage. Inc., drafted, delivered, recorded and published upon the official record of the XXXX XXXX County Register of Deeds in Book XXXX Page XXXX the subject Contract of Insurance. For these reasons in part, SunTrust has the express obligation to indemnify the owner ( s ) of XXXX XXXX XXXX collectively ( SunTrust Insureds ) given SunTrust default and failure to pay sums owned to its Funder under the Note. Please accept this as notice to indemnify the owner ( s ) of XXXX XXXX XXXX from incurred loss ( s ) due to SunTrust default. In addition to this Notice of Error for failure to Indemnify, please provide : 1 ) Copies of, Insurance License ( s ) in the name of SunTrust Mortgage , Inc. a Foreign Company for years XXXX through XXXX issued by the XXXX XXXX Department of Insurance, affording the right to solicit consumers and underwrite insurance indemnity contracts. Sincerely, 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: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: PLEASE HELP!!! Two money transfers between XXXX XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX . 2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX . Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name. My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency. She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''. We called SunTrust and they told us " Initiate a research with XXXX XXXX XXXX '', I started the Dispute charge back. After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''. We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds. That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''. We really appreciate the time and help you can provide. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.
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: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: suntrust shows XXXX % utilization when its not been that way for a long time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37919
Submitted Via: Web
Date Sent: 2019-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Other features, terms, or problems
Subissue: Problem with convenience check
Consumer Complaint: My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I wrote a convenience check to a " contractor '' on XX/XX/XXXX ( Sunday ) as a deposit for remodeling our master bath from my SunTrust Rewards Credit Card. Along with several instances in my wife and my eyes of unprofessional conduct, we learned he was not a licensed contractor and so at roughly XXXX on XX/XX/XXXX ( Monday ) I had an in-person conversation with the " contractor '' ( XXXX XXXX of XXXX, FL ) notifying him we would not be moving forward with him on the job. I immediately called SunTrust Bank at XXXX ( XXXX ) XXXX to place a stop payment on the {$3000.00} deposit check. This call took place at approx. XXXX on XX/XX/XXXX following the in-person cancellation of the agreement. The following points chronicle several conversations my wife and I had with SunTrust and other events regarding the stop payment. - XX/XX/XXXX @ XXXX - On the initial call to stop the check we were informed the check would take several days to clear and that there should be no reason the stop payment wouldn't be successful. The rep notified us we would be charged a {$39.00} stop payment fee. At this time there was a XXXX balance on the credit card account. - XX/XX/XXXX after close of business, the {$3000.00} check posted to our account along with a 3 % convenience check fee of {$90.00}. This did not show up on my online profile until after midnight into the morning of XX/XX/XXXX. - XX/XX/XXXX @ XXXX - I called SunTrust again for an update on the stop payment being that it had posted to the account. The rep notified me that even though the charge posted to our account that she saw the stop payment was processing correctly and it should take 3-5 business days for the stop payment to clear and to give it until close of business on Friday ( XXXX ) to check again. - XXXX @ approx XXXX - I called SunTrust again to get an update and was told by the rep that the stop payment was still, in fact in process and that it could take several days for the credit to show up on our account following completion of the stop payment. - XXXX @ XXXX - Called again for an update and SunTrust reps started changing their story. The first rep I spoke with left me on hold for several minutes to research what was going on. Upon return she had no answer for me and said she would put a research ticket in that would take up to 12 business days. I complained to her about the situation and that I wanted an answer now as to whether the stop payment happened or if they screwed up the stop payment. She put me on with a supervisor. He basically did the same thing and put me on hold for a while only to come back and say the same thing that it needed to be researched and that he would expedite the research process and something to the effect that " it looks like it may not be good news for you '' or some derivative of that. - XXXX @ XXXX - My wife wanted to speak with a rep so the two of us called later in the day. The rep told my wife and I what he saw in the notes which was that on XX/XX/XXXX the case was resolved as requested. This gave my wife and I some comfort again after the earlier conversation I had with the supervisor. - XXXX @ XXXX - The representative told my wife and I basically that the stop payment was not processed and began giving us a normal corporate explanation as to how convenience checks are different than personal checks in the way stop payments work. This was the first any rep said anything to this effect. I complained that all we were told for over a week was that it was " being processed '' and to give it more time. The pictures that I have attached show the following : letter of cancellation with the contractor mailed on XX/XX/XXXX, the amount the contractor was charging us to remodel our bathroom, which shows the deposit we gave him in the amount of {$3100.00}. We gave him a Suntrust convenience check of {$3000.00} and a personal check ( picture attached ) of {$110.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Fraud or scam
Subissue:
Consumer Complaint: I submitted a complaint to the CFPB concerning the fraudulent activity that occurred on XX/XX/19.The case # XXXX. My money in the tune of {$32000.00} was diverted to a fraudulent account at SunTrust Bank, Routing # XXXX Account # XXXX. When XXXX XXXX attempted to reverse the wire they discovered there was a mismatch in the name on the account and the routing number. The fed payments manager - funds indicated on XX/XX/19 amt. {$32000.00} usd please be advised funds auto posted on the original wire however XXXX name and account do not agree. The {>= $1,000,000} was to be deposited into XXXX XXXX account for my closing. The money was diverted to the fraudster 's account with his account and routing number but DID NOT have XXXX XXXX name on the account. Sincerely XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 325XX
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-03-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I filed a claim for a fraudulent check that was written for {$1900.00} out of our savings account on XX/XX/19. I called once a week for four weeks without resolve. They gave me time frames of 7-10 days, then 15, then 21. Its now been over 4 weeks and all they will tell me is that they are investigating. I was told that they would call me at XXXX XXXX today. It is now XXXX XXXX and still no call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30028
Submitted Via: Web
Date Sent: 2019-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A