Date Received: 2019-02-13
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Did not ask these financial services to run my credit. Dealer disclosed information to third party lenders when I specifically requested not to. Never received credit from these lenders and didnt ask them for it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-13
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI. We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous. At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI. SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal. Our principal is currently at approximately 50 % of the loan value and we are still paying PMI. Are we mistaken about the HPA as it relates to PMI and its automatic cancellation? If not, would you please help us resolve this issue? ( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2019-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47712
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ). We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX. XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust. 1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff. 2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received. 3. A letter dated XXXX informed us we had requested a payoff. [ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense. This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence. We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX. We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX has confirmed was received by XXXX and transferred XXXX. We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92649
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22901
Submitted Via: Web
Date Sent: 2019-02-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Getting a loan
Subissue: Fraudulent loan
Consumer Complaint: During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application. Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account. This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval. AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2019-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed. I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this. Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct. Can I re-open my previous account Please? I wish to repay the {$13.00} debt. I will have my Federal tax return direct deposited into my account. If so ill need a new debit card sent to me as I have lost the other. If the same account can not be reopened can I create another checking account and resolve the debt still? I didn't receive any notice when my account was closed. No email when it was in the negative. I have tried responding to the secured emails that I have but I do not get a response. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30060
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: Suntrust Mortgage/Suntrust Bank - I sold a home and paid in full in XX/XX/2018 and updated my forwarding address. To date I have not received formal closing paperwork nor tax documents. The system no longer allows me to access personal loan data on line and I am unable to reach anyone by phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85016
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: On XX/XX/XXXX I went to XXXX XXXX checked my balance and charged XXXX cents with XXXX remaining in my available balance. SunTrust charged me a XXXX overdraft fee when my account was in a positive balance. Then claimed it was for an item that posted 3 days later. I have attached screenshots to show that they illegally took funds from my account and charged me a fee
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2019-02-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A