Date Received: 2018-08-31
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2018-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-29
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 ) you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40601
Submitted Via: Web
Date Sent: 2018-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SunTrust Mortgage is holding our insurance claim proceeds in the amount of {$95000.00} from Hurricane Irma. The mortgage company completed the final inspection of our home 's damages in XX/XX/2018. The insurance claim payment was received as a result of a settlement agreement after procuring the services of a public adjuster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2018-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-28
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus. I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved. I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days. I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus. I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo. I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank. I asked for a Manager and the manager opened a ticket and told me they would get back with me. I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application. I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account. Then I got a 3rd call from the promotions department telling me they did not see the promo on my application. After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint. I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.
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: 2018-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018. Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 226XX
Submitted Via: Web
Date Sent: 2018-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23238
Submitted Via: Web
Date Sent: 2018-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-24
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now SunTrust trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2018-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}. On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}. On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card. The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment. To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up. The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2018-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-21
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I payed XXXX dollars for Gap Insurance an expected XXXX dollars return.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53210
Submitted Via: Web
Date Sent: 2018-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-08-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter. This will serve as my second request. - Thank you, 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: 2018-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A