Date Received: 2018-02-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: s Suntrust equity line is not reporting that in XX/XX/XXXX or XX/XX/XXXX that I was late. was ' never late in the month of XX/XX/XXXX please make entire year today correct with no lates!
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: 2018-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-16
Issue: Money was not available when promised
Subissue:
Consumer Complaint: XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $ XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2018-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: I filed a CFPB complaint against Suntrust Bank last year and the case number is # XXXX. Suntrust responded that they were not attempting to collect an old debt from me at all, However XXXX XXXX XXXX, XXXX filed an court order to aggressively collect an alleged debt from me without validating the debt was mines and they are currently garnishing my wages. The alleged debt that XXXX XXXX XXXX, XXXX is any old debt from 2009 from Suntrust Bank, which appears to be outside the statute of Limitations to even be collectable. Futhermore XXXX XXXX XXXX XXXX XXXX has not proved the stature of Limitations has not expired on the old account with Suntrust Bank. according to FDPA Act, 15 USC 1692g Sec. 809 that I have a legal right under that title and section to request for VALIDATION to provide me with competent evidence that I have any legal obligation to pay you. Please Provide the Following : Provide proof that the Statute of Limitations has not expired on this account Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation. Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased? ____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( XXXX XXXX XXXX, XXXX ) the authority to collect this alleged debt in my state. Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Please attach copies of all statements while this account was open. Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( XXXX XXXX XXXX, XXXX ) ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Please be advised that I will be reporting your law office to the Georgia State Bar association
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection. I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so. Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30152
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-13
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35173
Submitted Via: Web
Date Sent: 2018-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-11
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: Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2018-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
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: In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason. I recovered the vehicle from the bank 2 days later. A few years after this incident, I decided to pay off the vehicle to save on interest. For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans. After 7 long years of suffering, the account finally switched over to a positive status. Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.” I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions. However, each entity continues to “yes, yes, yes, I understand” but no changes are being made. An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it. There is no middle ground. I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports. I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper. I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX. With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years. A consumer reporting agency cannot report negative information that is more than seven years old. The stress and sleepless night have gone on long enough
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement. SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages. I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues. I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 811XX
Submitted Via: Web
Date Sent: 2018-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Attachment for Complaint : XXXX & XXXX XXXX Staffing ( XXXX XXXX ) Re : SunTrust Bank. I am a small business owner in XXXX, Arizona, who opened a bank account with SunTrust Bank last month, up until today I was happy with SunTrust. However, as of today my account was closed abruptly. After calling around and getting information, I was told that my account was closed due to a report from XXXX XXXX. I am very upset about this, because SunTrust didnt give me the consideration of calling me to tell me that they would be closing my account. I am a small staffing firm and I have payroll on a weekly basis, I have not had any bounced checks or returned checks to be deposited into my account with SunTrust. In finding out about my account being closed, I am then told that the funds in my account are going to be held for at least 3 weeks. I am told 1 Once the deposit the check that I deposited in the amount of {$4200.00} has cleared which as of today my client has informed me that the check has cleared her account and the hold from SunTrust bank has been released on XX/XX/XXXX at XXXX, then the funds will be available. However, my account is in a Non-debit status meaning my funds can not be utilized. 2 Then the funds will be held an additional 5 days so that there is no activity on the account. 3 The next 5 business days after that the account will be closed and funds will be mailed out to me. As I stated above, I run a small business a staffing firm, I have employees that I can not and will not be able to pay because of the actions being taken on my account. I depend on my business revenue to survive and I can not and will not be able to pay bills, employees, or house expenses because SunTrust has taken the liberty to hold on to my funds for 3 weeks. What am I supposed to tell my employees who also have families? I have a payroll on Friday XX/XX/XXXX, how am I supposed to pay this? Please make this right for me. My account with SunTrust is closed for Regulation Reasons, and nothing else. My funds should not be held for 3 weeks or longer, how am I as a business owner and a consumer going to be able to pay my employees and other expenses as I should. I feel that since you have taken the liberty to close my account, once my funds have cleared I should be able to utilize the debit card that I must remove my funds from SunTrust Bank. I dont live in an area where I can go to a SunTrust location. I live in XXXX, Arizona. I hope that one of the individuals reading this email will take the liberty to make this situation work for me as well. XX/XX/XXXX, I sent this one I emailed you and others in the SunTrust Corporate office about the above-referenced account. No one has taken the liberty to call me back or even respond to my email. Leaving me to the understanding that SunTrust does not care about its customers. With SunTrust closing my account abruptly, it has left me with no money to pay my employees or my bills. I have employees that have checks to be cashed this Friday, and last Friday. But if they deposit them the checks will bounce due to the actions taken by SunTrust. This is such an unfair action. I am told that my account is on a No-debit status, but that the bank is holding my money to see if checks are presented. Whether the checks are presented or not the bank is not going to honor them. It seems to me that SunTrust bank should release my funds so that I may be able to pay my employees. And this was my final email. Still with no resolution. Today I have had two of my candidates call me because their checks have bounced. A Candidate said that she couldnt pay her rent because her check bounced, and the other cried on the phone this young lady has XXXX small children. As of today, when talking to XXXX XXXX XXXX, there is still no valid answer as to why my account is being closed or why my funds are on hold. On Monday, XX/XX/XXXX I had a conversation with XXXX XXXX XXXX, who assured me that the two checks mentioned above would be paid she said that they would be forced paid because my ACH deposit would hit my account on Tuesday, XX/XX/XXXX in the amount of {$1900.00} in which the deposit did post to the account. Not only is this issue with SunTrust affecting me, it is affecting my employees. Yet in still I have not been given a valid reason as to why checks were not paid and/or why the account is being closed. This is very unacceptable. The remedy to this situation would be that SunTrust Bank should release the funds out of my account so that I can pay my employees and other financial obligations. I am very upset and disappointed in the way that this is being handled. I have called XXXX XXXX and was told that I would receive a phone call back this afternoon. I have yet to receive that phone call. XXXX The Resolution that I am looking for is that SunTrust Bank release my funds immediately and compensate my candidates for any bank fees that they have incurred due to the SunTrusts actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2018-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A