Date Received: 2022-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Im unable to make a payment or unable to submit my payment. I was told I had a late payment and they trying to avoid foreclosure and help Im not struggling to make a payment and I never miss any payments. They were transferring to contact the team unable to reach them. The branch bank manager are not able to fix the problem, the agents are unable to fix too. I was discriminated and threatened because of my previous complaints. Im still making my payment and due to Covid the offer me 6 months deferral and they are using that to attack consumers ( me ). I would like to remove my deferral amount immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2022-09-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I WILL NEVER HAVE OWNERSHIP OF MY HOME JUST RENTING. BEING DEPRIVED OF MY VA BENEFIT. IT HAS COME TO MY INTENTION THAT I AM PAYING PROPERTY TAXES FOR A HOME VALUED AT {$330000.00} COMING OUT OF THE ESCROW OF {$340.00}, WHICH IS {$340.00}. COMES TO {$4000.00} PER YEAR THE ESCROW IS {$480.00} WHICH LEAVES {$130.00}. NO PMI, OR FLOOD INSURANCE IS NEEDED FOR VA. SO WHERE IS THE OTHER {$130.00} GOING? TAX AND ASSESSMENT SAYING I AM EXCEEDING MY LIMIT FOR MY HOME VALUE. MY PROPERTY TAXES SHOULD BE JUST {$3100.00}, {$250.00} MONTHLY FROM {$480.00} WHICH LEAVES {$220.00} IN ESCROW. WHERE IS THAT GOING, I AM NOT IN A FLOOD ZONE. IT STATES THAT THE LENDER I RESPONSIBLE FOR GIVING PROPERTY VALUES TO THE CONTROLLERS OF REAL PROPERTY. I WILL BE SENDING COPIES TO CFPB.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20747
Submitted Via: Web
Date Sent: 2022-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SUNTRUST DBA LIGHTSTREAM Did an inquiry on my credit report in XX/XX/2022. I do not have any open accounts with this business. And I did not authorize any inquiries. I am not doing business with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95757
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I received a check from a potential business partner that was paid forward. I deposited this check and began using this money when they canceled the check and all charges were charged to me when the check got canceled. This has caused my account to go into a negative balance. I deposited the check on XX/XX/22 and they refunded it to themselves XX/XX/22. They also asked me to send some of the money back which I did but once they canceled the check the charge was also taken out of my account. I was scammed by this person because I believe they never intended on letting me keep the money, but wanted me to send money back in order to take my money. I notified my bank of this problem and because I tried to send them the money back they will do nothing to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2022-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is XXXX XXXX ( consumer ) and I do authorize this complaint. I am hoping the CFPB could help with this matter as I have tried multiple times through multiple avenues and quite frankly is starting to get frustrating with the lack of urgency to correct the harm being done to my financial reputation by the wrong doing on their end. I have also sent me last mailing to XXXX XXXX [ CEO ] and XXXX XXXX XXXX [ CFO ] voicing my concerns of the wrong doing of TUIST. That communication is attached and I DO NOT grant them any extra time as this matter has been going on long enough and should have all documents requested readily available in the allotted time. Congress has made it clear that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. It is true that I the consumer have brought these concerns and violations to TRUIST and to rectify their wrongdoing, which have not been addressed or rectified. I have reasonable cause to believe this transaction was conducted knowingly and intentionally in bad faith. It is the purpose of TILA to assure a meaningful disclosure are provided of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. It is to my knowledge TRUIST used their undue influence to induce me into a contract of adhesion ; as I the consumer and natural person I am a minor in the alleged contract and only came to extend credit, but TRUIST as the fiduciary in the contract used their special relationship to deprive me of my credit unless I signed the contract and paying them monthly or they would harm my financial reputation which would also restrict me from operating in commerce. TRUIST acted in bad faith and has been unjustly enriched as a result of undue influence. TRUISTs failure to maintain the integrity of my nonpublic personal information, my consumer credit reputation has been jeopardized due to punishment for the nonrepayment of an extension of credit. Congress has also stated that unfair credit reporting undermines public confidence, which congress has made clear, is essential to the continued functioning of the banking system. I have never been explained my right to opt out of the disclosure of my nonpublic personal information to nonaffiliated third parties. I did not authorize, nor consent to nor would I ever knowingly consent to the furnishing of any negative information to any nonaffiliated third parties. This fraudulently furnished negative information causes a restraint of trade and commerce and violates TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act , FTC ACT and RICO Act. Any payments made on this account were a result of threat, duress, and coercion. I the consumer and minor of the transaction hereby disaffirm any alleged agreement or contract between I and TRUIST, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness as requested previously. TRUIST has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPA that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. As a federally protected consumer a creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. Any adverse action will constitute duress. Fraudulently disclosing my nonpublic personal information to nonaffiliated third parties to coerce payment in a transaction where I received no benefit, constitutes unauthorized use of a credit card. I have never given my written consent to furnish any negative information to any nonaffiliated third parties. Any implied agreement between TRUIST and I was a result of undue influence. IMPORTANT INFORMATION ATTACHED
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2022-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I called them and told them every month it says I owe XXXX $ I asked them to please make my account reflect the amount I actually owe because I need to be able to see my bills every month and having XXXX $ listed as what I owe is confusing unless of course I actually owe them nothing. I contacts them about this in XXXX and in XXXX and they havent fixed it. This month it says I owe {$40.00} when clearly I owe more than that.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98203
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We paid off our mortgage with Truist Bank XX/XX/2022. We were told the money in the escrow account would be mailed by check XX/XX/XXXX. As of XX/XX/XXXX and over 20 phone calls, we have not received a check. We have been lied to, and Truist has blamed the post office for not delivering the checks. We have asked them to put a tracker on the checks and they will not. It is my understanding it is against the law for them to hold our money for more than 30 days. Truist will not return our phone calls, messages have not been returned and I have talked to every rep but not one person will take action on this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28461
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I opened my loan XX/XX/2017 with BBT and never had any issues until this merger with SunTrust. They have been posting my payments that are supposed to go to payments all to principle. I have to asked repeatedly when I make a payment to apply the money you payments and any overages to principle. However this is not getting done. I am showing past due because of how they have misapplying my payments. I pay twice a month with extra money. I should be ahead not behind. They say they will fix the issue but nothing is getting done. Also, I used to be able to have my payment paid by my bank with out a paper check now since merger they only accept a paper check. I was on the phone again this morning for over 2 hours the call was disconnected and no one called back. I was speaking with a XXXX and and she was trying to help but the call was disconnected and didn't receive a call by back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I personally did not authorize or submit to any inquiry or credit check from ANY of these companies. One company was even able to pull my credit file TWICE IN two days! I never approved or even attempted to have my credit pulled bc at the time I was highly financially affected by covid-19. From immediate family to extended family to myself. There was no way I could afford any big purchases that required credit pulling. I'm asking that ALL of these inquiries be IMMEDIATELY removed from EVERY CREDIT BUREAU due to fraudulent reporting and sensitive information misuse. This is immoral and illegal. I never spoke to these people, never met these people, let alone give out MY SOCIAL SECURITY NUMBER for items or services I KNEW I could not afford or maintain. This is an EXTREMELY URGENT matter that needs to be taken VERY SERIOUSLY. I am willing to proceed under a court of law if necessary.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27834
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A