Date Received: 2023-03-19
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX and I have multiple student loans ( for him ) through Suntrust. He has continuously be enrolled in school and will graduate this XXXX. They are putting on my credit report ( and reuining my credit score/ability to transfer balances ) that he/I are deliquent greater than 120 days because " the school did not send them enrollment information ''. Both my son and I have contacted Suntrust, XXXX, and the XXXX ( school ) several times/several semesters. Also, for some reason, for 2 semesters-post XXXX, his XXXX did not go through-so Suntrust took it upon themselves to add it on to their loans. That is XXXX that should have been grants and XXXX that should have been federal loans per semester for 2 years!!!! They deny this. In the spring of 2020, my son received an email from XXXX that he got FULL CREDIT for all classess, dorm fees, food, etc, all charges, yet, Suntrust still has loans for that semester? He did not receive that money, the money was returned from the school, to the lender because the school was shutdown from XXXX. Suntrust denies this also. Suntrust also keeps adding interest on top on late fees and more interest to the original balances, that are incorrect to begin with, let alone to try to add late fees and interest on to someone's loans who is and has continuously been enrolled in school!!!!!!!!!!!! He has proof through his TRANSCRIPTS! AND WHO WOULD THEY BE PAYING! I have filed disputes with all three credit agencies, but this does not fix the real issue here!
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: 2023-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I had an open account with BB & t for my business and for myself and I had maintained it for quite some time. I was arrested for a violation probations and was gone for 24 months and during that time someone had stolen my card and my account information and made several frauds on charges on my BB & t account as well as several of my others, I have reported this to BB & t with absolutely no assistance from the company and it has now a part of my credit report as well as XXXX, they have clothes my accounts and I had a positive history with them. I have attached several photos where you can tell over 30 transactions were done on XX/XX/2021 resulting in an account balance of XXXX and I was incarcerated
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38501
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist Mortgage took over my mortgage loan in XXXX. They inherited my escrow responsibilities, and I had homeowner insurance serviced through XXXX XXXXXXXX XXXX. On XX/XX/XXXX, my policy was subject to cancellation from lack of payment, a clear error of Truist. My insurance agent did not receive notice of policy cancellation until XX/XX/XXXX. Truist has been taking escrow payments from me and not paying my incumbent homeowners insurance policy. Truist sent me a letter indicating that they will be forced to buy a policy on my behalf at an increased rate : a strong implication of predatory transactions. My personal opinion is that this is fraudulent behavior. I was informed that my homeowners insurance policy did not require manual intervention to renew on an annual basis. Truist accepted responsibility for my escrow account and has not been using those funds to pay my homeowners insurance policy. It is my belief that they had an obligation to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I use online banking and often make extra principal payments on my Truist auto loan. Several months ago, I couldn't understand why my monthly payment amount decreased if I specified that the extra payment was to go to my principal only and I still paid my full monthly payment amount. I called Truist, who assured me the money was going to my principal even though my payment due amount kept changing. I continued to pay my original full monthly payment amount even when my bill was less. I called again today, XX/XX/XXXX, because my payment amount had again changed and I didn't think this was correct. I was told by the Truist representative that there is something wrong with the online principal payment option and that even though online banking gives a " principal only '' option, none of the money I paid and specified as a principal only payment ever went to the principal. The representative said " Truist has known about this for a long time and they are working on it ''. She states the extra money I paid became a credit on the account for the next months payment. There should not be an option to choose to make a principal only payment if that's not how the payment will be applied. The representative said she can note this as a complaint on my account but nothing can be done about it. This is fraud. This will not allow the loan to be paid off early by making extra principal payments as we were told we could do when we took out the loan. I will attach screen shots showing the " principal only '' option and description that Truist displays online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29651
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Service Finance released funds to a vendor without my consent knowing I did not receive the product ( hurricane sliding doors ) They paid a vendor XXXX XXXX XXXX XXXX XXXXXXXX ) {$27000.00}. I still do not have the product but Service Finance has sent me to collections. I have made multiple attempts to seek resolution. Service Finance has now closed the account and called the debt a charge off. This issue has been ongoing since XX/XX/2022. I am being expected to pay off a debt of {$27000.00} for a product I did not receive. I believe Service Finance relies on the business of XXXX XXXX XXXX XXXX and has ignored my requests for assistance in resolving this matter. I believe they knowingly paid XXXX XXXX XXXX XXXX despite my active dispute and claim that I did not receive the doors. The only calls I have received from Service Finance were to remind me that I was expected to make a payment. As I have stated on multiple calls, I never received my doors from XXXX XXXX XXXX XXXXXXXX. Despite providing those details to Service Finance, the funds were paid to XXXX without proof of product delivery in XX/XX/2022. This was after supposed delivery in XXXX of XXXX and repeated calls to Service Finance instructing them not to release the funds. XXXX XXXX XXXX XXXX ignored my calls, demand letters from an attorney, emails. XXXX needs to refund Service Finance. I will not pay for doors I never received, Calls I receive from Service Finance are either answered or called back. I speak with every agent and share that I have a complaint under review at Service Finance. There are calls that I miss or can not answer however, it is egregiously false to suggest I do not reply or respond. I have call records to show that to be false. The emails I receive are from a " do not reply '' email. I have never received a call from XXXX XXXX XXXX XXXX. XXXX stated that I refused to speak with the contractor and my complaint file was closed. That is false. XXXX has not contacted me. As attached in my original complaint, I filed a complaint with the Florida Professional Board.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32967
Submitted Via: Web
Date Sent: 2023-03-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a {$8000.00} deposit with truist bank in XXXX ga on XX/XX/XXXX. The check was cleared on the XXXX of XXXX and the funds where made available to me. On the XXXX of XXXX my account was locked due to getting disconnected on the phone during the verification process. I was told to go to the local branch by the fraud department and they would be able to unlock my account, when I arrived at the bank the banker told me he could not help me and to ca the number that told me to go to the branch. I spoke with them and they said they should have been able to unlock my account from the branch but the bank was closed by that time. The next day on XX/XX/XXXX I was advised that the check has cleared and funded but I needed a notarized letter from the check sender to release my funds. The people who sent the check said they will not provide any information without showing some form of proof. The bank says they have no way to show me through email or with paper why my account is locked. The bank refuses to call and verify the check with the sender without a letter that they won't give me without proof of my account being closed due to their check because the funds are cleared in their side and out of their account. I spoke with a woman on the night of the XXXX of XXXX and she told me tongo to the branch to get the proof letter of why the account is locked as I arrive at the branch the banker tells me that they can not provide any proof to me and to call the fraud department. I called the fraud department and they told me to go the the branch again. So I'm left stuck with no funds and no solution or even proof of why my account is locked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33150
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: mislending information on credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I am disputing a credit issue related to my Truist Mortgage Account. The account was initially set up for recurring payments of {$2400.00}, but on XX/XX/2023, Truist issued a new payment amount of {$2400.00}, which resulted in the cancellation of the previous recurring payment. Unfortunately, the new payment was rejected by Truist 's payment system, causing two delinquent payments- one in XXXX and XXXX in XXXX of 2023 - for the amount of {$2400.00}. Despite Truist 's customer representative XXXX 's confirmation that delinquency notices were mailed to my property address, I did not receive any notices and suspect that they may have been misplaced, as this is a common occurrence in my building. I have a long history of consistent and timely payments to the mortgage holder, with no late payments and additional principal payments. I strongly believe that the delinquency related to this mortgage account is the result of technological errors and the United States Postal Service. I am kindly requesting that the credit reporting agencies waive the delinquency notice associated with my mortgage account, as it was not a result of any negligence on my part. I am confident that upon review, the credit bureaus will recognize my track record of responsible and timely payments, and that the delinquency was a result of unforeseeable circumstances. I would greatly appreciate your cooperation in resolving this matter, and look forward to your response. Thank you for your time and attention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: I purchased a new vehicle on XX/XX/2022, financed by Truist through the vehicle dealership. I then refinanced the loan using my personal credit union. The disbursement of the loan payoff amount was made by my credit union on XX/XX/2022 in the amount of {$34000.00}. I also obtained new GAP insurance from my credit union for the refinanced loan. Then, on XX/XX/2022, the dealership mailed a refund check for the pro rated premium on the GAP insurance I had taken out on the original loan. This check, number XXXX in the amount of {$530.00}, was made payable to Trust Product Refunds and mailed to XXXX XXXX XXXX, XXXX, NC, XXXX. The check was cashed by Truist, as evidenced by an image of the cancelled check provided by the dealership. Based on the dates of the payoff and GAP refund, I believe that Truist deposited the GAP refund *after* my loan was paid off, and therefore I should have a credit balance with Truist for the amount of {$530.00}. I can not access my online account with Truist and my access seems to have been cut off once the loan was paid off. Because I opted for electronic statements, I can not verify the final statement showing the payoff amount or any credit balance. I have tried calling Truist at least 4 times, each time taking up to 10 phone calls to reach someone who was able to take down my information and promise to follow up. None of those calls have resulted in someone calling me back, and therefore I've had to start the process all over again. Unless Truist can show that the {$530.00} GAP refund paid by the dealership was applied to my loan balance, I expect to receive a check in the same amount from Truist payable to me. It is now 4 months after the refund check was deposited by Truist. This is unacceptable customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Truist explained to me that payments were applied to my mortgage. I was reading it wrong. However the payments I made in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX do not appear on my payment history. I'd think Truist would notice 1/3 of the year missing. But this wasn't mentioned. I also asked for check copies between XX/XX/XXXX and XX/XX/XXXX. Not one image was provided to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2023-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A