Date Received: 2022-05-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Collections and Consumer Relations Dept. : I was recently informed of negative information reported by the following list of banks listed below included in the file XXXX maintains under my Social Security number. Upon ordering a copy of the report, I found an entry from this bank listing a Checking Account Fraud in XX/XX/XXXX. I am unaware of ever having all the following checking accounts listed below. Please validate this information with all the banks listed below and provide me with copies of any documentation associated with this Account bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the record you maintain under my Social Security number and provide an updated report. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, CFPB and the state of Minnesota Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Your Address Sincerely, XXXX XXXX XXXX XXXX XXXX ID : XXXXXXXX XXXX XXXX XXXX XXXX XXXX SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33319
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX of XXXX, my home and I were the victim of Hurricane Irma. My family was displaced for 7 months and 5 days, not returning home until XXXX of XXXX. Under the federal government rule, SunTrust Mortgage was required to afford me a forbearance, due to the natural disaster. They honored this requirement. Once it became time to start making the payments again, I did so. Each time I mailed the mortgage payment, it was mailed back to me in the form of a SunTrust Mortgage check. I kept those checks thinking it was a glitch and would work itself out. In the meantime, I received paperwork that was a loan modification, for which I did not request. It was not made clear to me that I would need to modify my mortgage based on a natural disaster and therefore, the paperwork was set aside until I could understand it and reach out to ask questions. In the meantime, SunTrust Mortgage began foreclosure proceedings- for no apparent reason. Upon receiving notification of this, I immediately inquired what in the world was going on. I had never even been late on a payment. I was told the loan modification was to have been signed and that I had missed the deadline. I explained to them my dismay and their lack of communication regarding something so important, and I begged to be able to sign and send it back immediately, they refused. I brought to their attention the payments that I had made and that had been returned to me, they didn't want to hear it. Ultimately, they demanded that I pay {$50000.00}, in a very unreasonable amount of time, or lose my home. This set off another catastrophic series of events as the only way I could get my hands on that money was to take it out of my XXXX. XXXX. They adversely impacted my XXXX account balance. XXXX. They adversely affected my retirement timeline. XXXX. They adversely impacted my tax liability to the extreme. XXXX. You can imagine the mental anguish, as this entire process unfolded. As a part of the negotiation I requested that this not adversely impact my credit report as well, and they assured me that it wouldn't. I paid the {$50000.00} on time, immediately reinstating what I THOUGHT was my good payment history with SunTrust Mortgage. The relationship will NEVER be repaired. At XXXX of the most difficult times in my life, I believe SunTrust Mortgage took advantage of me and tried to steal my home. My home is worth substantially more than I owe and I believe this was an unethical play to take it from me. I hope the Consumer Financial Protection Bureau will protect me and my hard earned credit and require SunTrust Mortgage to remove this blemish from my credit report immediately. I believe they deserve their own consequences, but I'll leave that to the experts to decide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33772
Submitted Via: Web
Date Sent: 2022-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX I was notified about overdraft fees because of insufficient funds. Upon my inquiries to Customer Service I was denied any forgiveness, explaining it was an honest mistake intended to electronically deposited {$800.00} into the checking account from my XXXX XXXX checking account all online, but instead withdrawn from the Truist checking account and didnt realized it. that can I get a refund from the charge of {$36.00} for a check total just over {$6.00}. I explained In consideration I paid off my mortgage loan in good standing XX/XX/2022 and a loyal customer for almost 15 years. Besides being on hold for almost XXXX to be exact XXXX minutes. I called back and was told again they can not help me but go into the bank So I did and was told bluntly that I could not be refunded {$36.00} even though the total bank charges {$100.00} Its a bad feeling of being tossed out of their customer commitment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 287XX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Charges to my " Checking Account '' charged in 2 consecutive months for unauthorized charges from " XXXX XXXX '' on debit card that was in the hands of the owner, who at the time of the charges incapacitated and unable to authorize these charges. The first charge of {$400.00} was not noticed, and it occurred on XX/XX/2022, until the second charge of {$430.00} on XX/XX/2022 was reconciled by checking ( a financial account ) against another for accuracy. Contacted the fraud department to give them an unauthorized response for the charges verbally several times. When contact was made verbally, filed the compliant and was told via written response that their thorough investigation had proven that they had enough documentation to deny to the un-authorization and they would be mailing a copy of the documentation they used to formally deny the claim to the residence of the claimant ; which to this day has not happened or been received. The total amount of {$830.00} is very substantial amount to have been taken unauthorized. I responded to the written denied letter with a letter written XX/XX/2022 with a cc copy going to my lawyer, requesting an appeal to their decision and I have not received a response.
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: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2022-05-22
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting act Truist Bank ( Formerly LightStream ) Acc. # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681s-2 ( a ) ( i ) ( a ) - Responsibility of the Furnishers on my Consumer Reports 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( i ) - the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2022-05-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was banking with BB & T prior to the merge with Truist. I would get overdraft fees when there were no transactions to warrant such fees. My account closed in XXXX. A deposit was received and they the bank didnt refund me any money and stated that I owed and they would keep the deposit even though the money went to a closed account. XXXX reports closed paid account. In today I received a notice to my email that I received a overdraft fee but I was confused because I have no open account with Truist. So I used my old Login to see what was going on. Truist opened a account without my knowledge. My account closed 3 months ago and was reported to XXXX. Truist fraudulently opened an account with fake deposit information making it seem like I overdrawn my account and are charging fees on this account. I have not had any contact with Truist since the closing of my account back in XXXX. This is a business account. I have also notice that Truist will make your balance disappear and charge you overdrafts for ghost transactions that doesnt even exist.
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: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened an account on XX/XX/2022 and this was my FIRST time opening an account with truist never had an account with them and a lady told me my account was closed before because of fraud that I didnt know anything about so she helped me open an account and I put {$50.00} in the account and alll of a sudden my account was closed. And I didnt know why so I lost my money for no reason I was hoping can I get help to get my account back active. I tried contacting the people that help with fraud but never heard from them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30241
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On three separate occasions account holder attempted to close his Truist personal checking account. Each time Truist reopened the account without authorization by account holder in order to cover debit requests from a credit card company. Account holder made up the deficit twice and write a letter to instruct Truist not to reopen the account. Finally, on the third time account was reopened account holder refused to cover the deficit caused by the unauthorized reopening of the account. Account holder is now receiving collection letters for the negative balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I was given a {$250.00} Visa Truist debit gift card from my mother for XXXX. Yesterday, XX/XX/XXXX, I tried to use it but first checked the balance to make sure the full balance was available. It was not. There were XXXX transactions made on XX/XX/2022 totaling {$240.00}. None of them were made by me. I do not recognize any of the company 's listed in the transaction history. I contacted Truist bank and they were not helpful. They said I had to contact each of the vendors and ask for the money back. I did not contact each company because some do not look like legit businesses to me. I have no idea how anyone was able to obtain the card number because I've never used it and it's been sitting in my home unused. The charges went to the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22150
Submitted Via: Web
Date Sent: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: XXXX XXXX managed the XXXX XXXX XXXX XXXX XXXX bank account for several years he handed the account temporarily to his sister XXXX XXXX. I tried send a bank transfer to the account and now they I keep getting an error message that says the account is invalid seems very strange.
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: 2022-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A