Date Received: 2018-10-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32712
Submitted Via: Web
Date Sent: 2018-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: 1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA . At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary. The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This company shows as doing a hard inquiry into my credit report. I have never deal with this company and I have no accounts with them. It appears on my credit report on XXXX, XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment. Sun trust mortgage has not been able to resolve this for us despite many calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30310
Submitted Via: Web
Date Sent: 2018-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-29
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2018-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33626
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him. Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2018-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway. I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place. When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX. Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal. Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter. I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment. This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan. I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-09-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Formal Notice of Error - Please accept this Notice of Error on behalf of XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX ) with respect to special proceeding 17 SP 401. SunTrust Mortgage Inc. is hereby noticed of its error in providing the respondents the incorrect Note. SunTrust Mortgage provided Note dated XX/XX/XXXX that was not signed by XXXX XXXX XXXX spouse of XXXX XXXX XXXX as of that date. The respondents collectively requested SunTrust Mortgage research that certain note signed by both XXXX XXXX XXXX and XXXX XXXX XXXX as the Substitute Trustee oh behalf of SunTrust Mortgage is pursing the parties on a note that XXXX XXXX XXXX did not execute. Therefor the Substitute Trustee on behalf of SunTrust Mortgage has wrongfully named XXXX XXXX as a party to the Foreclosure Action under the Note when in fact the Substitute Trustee and SunTrust Mortgage have continually failed to produce any note signed collectively by both XXXX XXXX XXXX and XXXX XXXX XXXX despite many well documented request. The respondents continue to maintain and hold this is a viable defense and creates and constitutes an affirmative defense to the enforcement of the Note presented in Error by XXXX XXXX XXXX as counsel for SunTrust Mortgage Inc., Substitute Trustee on behalf of SunTrust Mortgage for the enforcement of property held by the respondents. Further the respondents together allege unfair and deceptive trade practices on behalf of SunTrust Mortgage Inc., SunTrust Banks Inc., SunTrust XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their vendors not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. The respondents notice SunTrust XXXX XXXX of an error, overissuing beneficial interest in the respondents real property. Respondents continue to allege wrongful acts and conduct associated relating to 16 SP 187 and 17 SP 401 with respect to the forged Substation of Trustee recorded XX/XX/XXXX in favor of XXXX XXXX wherein wrongfully utilizing a subsequent instrument to wrongfully obligate over $ 3M of debt. SunTrust Banks Inc. its subsidiaries and in part its vendors have materially violated the Fair Credit Reporting Act, the Fair Debt Collection Act, the Fair Debt Collections Practices Act, the Truth in Lending Act and the Real Estate Settlement Procedures Act. Finally, the respondents allege SunTrust materially violated 229.1122 with respect to three modifications of loans during the fourth quarter of XXXX. When in fact, SunTrust proceeded without the property authority under the Applicable Servicing Agreement. The material defect extended beyond 90 day and was material in nature. Further, we alleged the stated interest rates incurred to the respondents differed from the actual coupon rates in the underlying notes. Please fully investigate the above Notice of Errors and advise us collectively of your corrective actions. Sincerely - XXXX XXXX XXXX and 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: 2018-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A