Date Received: 2018-07-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I decided to not receive overdraft protection and still incurred an overdraft fee of {$36.00}, which is a violation of regulation E
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2018-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-07-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2018-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2018-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 217XX
Submitted Via: Web
Date Sent: 2018-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts. I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors. Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST. SUNTRUST never paid the seller! XXXX doesn't show the transactions! SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute. I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level. I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works. SUNTRUST stole the money. XXXX shows no successful transaction because SUNTRUST refused the charges. Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does. I've attached a screenshot of the successful transaction from my XXXX account. Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21230
Submitted Via: Web
Date Sent: 2018-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2018-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-24
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34601
Submitted Via: Web
Date Sent: 2018-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars. When I complained about it they refunded the money but then the next month they did the same thing. XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-06-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-21
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account. The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''. On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred. I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer. I can find no credence or validity to XXXX 's explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2018-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-06-20
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23225
Submitted Via: Web
Date Sent: 2018-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A