Date Received: 2023-07-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am the trustee of my brother 's Trust and personal representative for his estate. I sold his home after his death, proceeds from the sale were sent to his Trust and deposited in a Trust account. Unfortunately, two subsequent checks stemming from the sale ( related to escrow and other matters that could only be accounted for after the date of the sale ) were made out to my brother -- not his Trust or estate. I was unable to deposit these checks prior to their expiration. One was for {$3700.00} and another was for {$3500.00}. If they had been made out to the Trust I could have deposited them, but it took me much longer to gain recognition as personal representative for his estate. I would have needed such recognition to deposit those checks -- made out to him. I have copies of the checks and have been trying for more than two years to have them reissued -- made out to his Trust or estate. Complicating matters, the checks were issued by BB & T which was subsequently purchased by Truist. I have contacted Truist numerous times, everyone says they will look into it. No one ever calls back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20817
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: XX/XX/XXXX I lost my home car and all my possesions to hurricane Ian. The only thing we were able to salvage was our lives. This lender Regional Acceptance was notified of the hurricane and the fact, my daughter and I were in dier straight from a natural disaster. They agreed extend the my payment for 60 days or the could reposses. They also said the principle loan was satisfied in XXXX of XXXX what I was paying for was penalties and interest in the amount of XXXX. Later found out after contacting GAP isurance which I had been paying for since I purchased the Vehicle lapsed be Regional failed to extend the coverage when they extended the contract the lapse occurred XX/XX/XXXX. 72 months. In the interim Regional strong armed me to sign a contract to make me pay for the car that was destroyed a salvaged vehicile. I have written several times complaining about there practices. Now they have ruined my credit and my life by charging off this car XXXX XXXX XXXX XXXX. I have asked begged and pleaded to please be fair as this action was not something I wanted but I can't afford this and I lost everything. I am asking to remove them off my credit report as this action dropped me XXXX points and caused other lines of credit to drop me and or reject me. I am a XXXX XXXX as well this action is unfair. The mental and financial anguish is totally unjust and not right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Problems at the end of the loan or lease
Subissue: Problem while selling or giving up the vehicle
Consumer Complaint: Vehicle was purchased from Regional Acceptance Corporation in XX/XX/XXXX and sold to XXXX XXXX XXXX XXXX on XX/XX/XXXX, without every missing a payment, the same month the vehicle was sold and paid in full, I received a 30 day late, negatively impacting my credit report. Attached are documents from XXXX XXXX XXXX that were obtained while trading in the vehicle to them. REGIONAL ACCEPTANCE CORPORATION XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( fax ) ACCOUNT OPENED XX/XX/XXXX - CLOSED XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Good Afternoon I already submitted a lengthy document to Federal Reserve XXXX XXXX XXXX on XX/XX/XXXX. I inherited a home from my deceased mother in XXXX XXXX. Covid happened during this time and I was unable to communicate with Sun Trust now Truist Bank concerning the mortgage because I was unable to probate the will in a timely manner due to the back log and closures of municipal facilities. I had an appointment to probate the will in late XX/XX/XXXX. I did not receive it in the mail until XX/XX/XXXX. Sun Trust would not speak to me because I was not on the mortgage. When I finally got the death certificate from the funeral parlor and the surrogate I immediately sent it to Sun Trust. It wasn't until XX/XX/XXXX when I started receiving mail and a bill which was more than I expected. I spoke to them and because I was now my mom 's executor, I was able to get a deferment to catch up on payments. I paid successfully for approximately XXXX months. At this time Truist was acquiring SunTrust and they sent my mortgage payment back. I thought it was an oversight. I called and was told not to pay because the system had not been turned over yet. In XXXX I sent a payment and it was again sent back to me. Every time I called I get different and conflicting information. No agent is consistent. I have been given addresses to send a check and it gets returned. I finally got a modification and they did not have me as the executor when the banks merged. I had to resend everything. I successfully completed the first modification for XXXX months. I was waiting on paperwork for my final monthly payment amount and instead I got a letter stating that I was not successful in my modification. No one could tell me why but they said i should reapply which I did. They again did not have me on the account so I resent the paperwork with ID and tax information, surrogate etc. I was now in forbearance again. It was now almost fall of XXXX. I had been paying successfully when again my payment was returned. I call and I'm put on hold sometimes for XXXX hours. I finally spoke to someone and was told to send payments to a different address. Again my payment was returned. I asked for another modification and was granted XXXX to begin in XX/XX/XXXX. I made all payments successfully and received a letter of congratulations and that I would receive my final packet. The very next week I received a letter stating that I was in default. I spoke to someone in XXXX XXXX that said my executorship had expired and I needed to be put on the account as the owner? In the meantime my file was sent to foreclosure. This was XX/XX/XXXX. I sent a lot of paperwork to verify my account. It took from XXXX to XXXX for them to finally verify me and allow someone to speak to me. I was unable to get any answers from XXXX to XXXX because they had to verify me. The day someone finally talked to me was XXXX day too late they sent my account to foreclosure. I am enclosing the latest correspondence with the congratulations l letter and the foreclosure dates letter. There are XXXX accounts on this house that no one told me about until almost 1 year later. I recently paid {$12000.00} on that account because they told me that's what I owed only to be sent a letter XXXX week later saying I owed {$9000.00}. This has been extremely frustrating and has caused much XXXX My XXXX XXXX whom I take care of lives in my mothers home that I pay for. My intention is to keep this home as a legacy for my children. I believe Truist is trying to take my home. They have been uncooperative and misleading. They give me false information all the time. Its always something different. No one knows what they're talking about. I would appreciate any correspondence that can help my situation. I'm willing to pay the mortgage monthly and rectify this situation. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07060
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: this account REGIONAL ACCEPTANCE XXXX is ran as a charge off an IRS DEFINES A CHARGE OFF AS GROSS OR INCOME DOES NOT GET REPORTED ON CONSUMER REPORT AND I NEVER RECEIVED ANY OF THE 1099 Cancellation Of Dede From. This Account is is Inaccurate And Has To Be Removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77450
Submitted Via: Web
Date Sent: 2023-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Regional Acceptance ( Bank ) XX/XX/XXXX XXXX ( Miscellaneous ) XX/XX/XXXX credit inquiries that were not authorized by me. XXXX XXXX XXXX XX/XX/XXXX This inquiry is 22 days away from it been 24 months and would like to start the process of removal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11801
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My name is XXXX XXXX and I recently opened up a XXXX Account. I deposited XXXX large checks into the account upon opening, and I have been having major problems with this bank ever since. I truly believe that I am a victim of XXXX discrimination. I also have an account with XXXX and have neverrrrrrr had an issue with them ever. Upon opening my account with Truist, I was made aware of a standard 10 day hold that would be placed on the funds. No problem. It has now been well over 10 days and Truist seems to have no urgency in releasing my funds. I have provided all of the required documents that they have requested. At this point, I am wanting to close my account because I have never had to deal with this kind of issue with any other banking branch. Not to mention that the customer service team seems to have XXXX empathy and urgency with helping with this issue. I have called several times about closing my account and releasing my funds to me, but they are not being proactive in doing so. If I was a white woman with blonde hair and blue eyes, this would have never been a problem. I am now going on day XXXX without any access to my funds. If not resolved, I will file a XXXX discrimination lawsuit with my family attorney.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, I accidentally purchased products from a fraudulent company. The company had a website that impersonated the official XXXX XXXX website perfectly and I honestly could not tell the difference. The official XXXX website ends in a .com and this one ended in a .us. I purchased an order for {$29.00}. The company charged me four times, two charges for {$29.00} and two charges for {$0.00}. The company sent me a fraudulent tracking number that was sent out to several other people I know who also ordered from this website. It says my order was delivered on XX/XX/XXXX to XXXX XXXX, Florida. I live in XXXX, Pennsylvania, which is where the order would have been shipped. When I reached out to the company, they told me to have a nice life and it was only then I realized I was dealing with a fraudulent company. I attempted to file a chargeback with my bank, Truist, on the grounds that I was charged twice, and that my order never actually got delivered to my house. The claim was denied so I called my bank to file an appeal, and that was also denied on the grounds that I technically authorized a charge from this company. I feel that I am being wronged as a consumer. It is also worth noting that over the last month and a half, the company has changed their website from XXXX to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18045
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: Obtained list of lenders for home project. Was scammed by a lender called LightStream. They started by taking an application securing all of my and coapplicant personal data, address, phone numbers, emails, employment information, social security number, bank account information, offer a great APR then created some urgency just needing a bit more information a copy of our drivers licenses. Then approving and signing the loan agreement, they BAIT and SWITCH for more information asking for your credit card account numbers and details. Cant believe this is suppose to be a lender.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55110
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am requesting the account with XXXX XXXX be removed from my credit reports The account is not mine
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2023-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A