Date Received: 2018-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area. 90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing. Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense. I asking does Suntrust bank have the original copy of the promise note that claim I sign?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Managing the loan or lease
Subissue: Problem with additional products or services purchased with the loan
Consumer Complaint: I have asked multiple times for a cease and desist of all paper communication regarding my account, but Suntrust continues to send me prepayment notices after they claim they have completed my request. It is extremely annoying to get a prepayment notice when I only pay a few days before my due date ; it's not like I am paying several months ahead. I'm paying the current month 's payment in the month it is due, before the due date. They need to stop wasting paper and sending me these unnecessary notices. I want a cease and desist on all paper communication regarding my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75067
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-30
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43220
Submitted Via: Web
Date Sent: 2018-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
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: Suntrust bank and XXXX is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10028
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: HELOC through Suntrust mortgage was forgiven in bankruptcy in 2015. Received XXXX on forgiven debt. No debt on credit report yet Suntrust refuses to release lien on property so that we can refinance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32164
Submitted Via: Web
Date Sent: 2018-04-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX knows that this customer was lying and I will be back with the signed contract to proof that he was my customer. XXXX XXXX XXXX provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email. As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days. When I went on XX/XX/XXXX to the XXXX XXXX XXXX Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case. Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32809
Submitted Via: Web
Date Sent: 2018-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32958
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX check for not being able to comprehend like a normal adult. My brain works on a XXXX year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-24
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago! They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank. They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!! Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation. They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-04-23
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 38632
Submitted Via: Web
Date Sent: 2018-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A