Date Received: 2018-05-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2018-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: When l checked my XXXX credit report today, l realized that ; SUNTRUST - XXXX company reported a hard inquiry on XX/XX/2018 which l have no idea about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2018-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I had been looking for a new bank and wanted to give SunTrust a try. XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online. XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards. XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27616
Submitted Via: Web
Date Sent: 2018-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33169
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself. I have tried to reach Suntrust online and by their customer service number, but was unable. I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank. The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate. On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor her supervisor would tell me the specific reason for the closure. Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2018-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/XXXX the alarm company took a payment out of my account before authorized. XX/XX/XXXX I was charged a fee of {$36.00} and couldn't understand why. When I went back that is when I saw the payment error. I did a dispute and the money was returned XX/XX/XXXX but not the fee. Had the alarm payment not been taken out my account would have had enough money. I called and was told it would fixed. Well guess what it still hasn't been so my account was $ XXXX since SunTrust hadn't returned my money and had the nerve to charge me another fee today AND I don't understand why! I made a deposit before XXXX and it is not showing at all!! {$200.00} deposit. I don't appreciate the discrepancy on my account and them not fixing!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-05-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.
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: 2018-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A