Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a 1033-c from Truist bank and after looking up this financial institution I found that it was Suntrust. This stated they discharged a debt of XXXX -- I have no idea what this would be. I did find out it was a joint account and may be under the name of XXXX XXXX XXXX since it was not paid after our divorce. I have never received any correspondence about this debt until I received this 1099-c in the mail. I tried contacting this bank with help about this and got no response at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38017
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2022, I formally requested cancellation of my PMI based on the appreciated value of my home. I requested the cancellation through my mortgage servicer ( Truist, formerly SunTrust ). I requested this through the chat feature on their website, and phoned the customer service line, speaking with a representative to make sure that I was taking the proper steps to get started on that process. I was told that someone would follow up with me in 30 days. Today is XX/XX/2022. This is over 30 days after the initial request, and still no follow up from Truist. I reached out to customer service again via the online chat feature. I went through the proper steps to chat with a representative about cancelling my mortgage insurance. I was placed on hold for approximately 1 hour before I finally received a response. The response was the same generic response I received 35 days prior. It read something like, " We have received your request to cancel PMI, we will get back to you within 30 days. '' The representative immediately closed the chat without even a chance for a follow up from me. I called the customer service line to be connected with a representative over the phone. The automated message service told me I would be placed on hold before the line went completely blank. No hold music, no connection with a representative. Just slight static.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78626
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My problem : Truist Bank has not yet reimbursed me my money that was stolen by fraudulent transaction at Truist Bank. This is what I was told by my banker, XXXX XXXX, at the Truist Bank in XXXX : On XX/XX/2021 somebody, who presented himself as XXXX XXXX, using a fake FL Driver 's License came to the Truist Bank Branch in XXXX, PA. He gave the bank a XXXX XXXX check written in my name and endorsed in my name. In exchange, he received {$3500.00} in cash. It seems he knew my checking account number. Several days later, when Truist tried to get the funds from XXXX, they found that the XXXX account was closed. It seems that Truist Bank assumed that I had deposited the check and sent me a letter with a copy of the check. In addition, they charged me {$12.00} penalty. I got this letter late on Friday, XX/XX/2021. During the weekend when I checked Truist 's automatic phone there was nothing about the transaction. On Monday, XX/XX/2021, I went to my Truist Bank Branch in XXXX and met with XXXX XXXX. It became clear that this was a case of fraud. She immediately froze my old account and opened a new one. I filled out and signed all the relevant forms and the case was transferred to the Truist Fraud Department. I was told initially that I would get the money ( $ XXXX ) refunded within several days. It is now more than XXXX months later and I have not received anything. We talked by phone with the Truist 's Fraud Department, but they would not commit to any date when I could get my money back. This is a clear case of fraud. Truist Bank is at fault. I ask that Truist Bank should reimburse me the full sum as soon as possible. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Truist f/k/a SunTrust Mortgage lender, Loss Mitigation, XXXX XXXX, XXXX XXXX XXXX, XXXX VA XXXX Loan Modification XXXX. XXXX modified my XXXX, XXXX, XXXXXXXX XXXX mothers mortgage in XXXX, XXXX. My mother the borrower an XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX allededly " signed '' the loan modification for 40 years at 6.375 %. The Affiant XXXX XXXX XXXX, Attorney-Of-Fact initiated this modification due to the fact she fell behind on the payments while soley residing at the mortgaged property located XXXX XXXX XXXX, XXXX GA XXXX XXXX Please investigatethis case as I have attempted numerous times to report TRUIST mortgage and bank for mortgage fraud. XXXX XXXX notarized with bank employee witness ; XXXX XXXX. XXXX XXXX XXXX is/was deemed mentally incapacitated XXXX separate Evaluations by the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX had many physical limitations, XXXX hearing and sight impairments along with her being bedridden with XXXX hospice care including a broken femur in XXXX. XXXX XXXX XXXX ( Now deceased as of XX/XX/XXXX ) XXXX XXXX XXXX along with Truist f/k/a SunTrust mortgage modified while the borrower did NOT have the capacity to Contract. XXXX also stated in numerous text exchanges being fully aware of XXXX XXXX 's Incapacitation ; XXXX. See Attached Documentation. Thank you Kindly, 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: 33314
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX, I was showing a '30 day late payment ' on my credit report for the month of XXXX for my auto loan. On XX/XX/XXXX at XXXX, I called into Regional Acceptance and spoke with a representative. I stated payment had been made and wanted to clarify the late status would be removed from my credit report. She assured my my account was current and the remark would be removed. Fast forward to XX/XX/XXXX, the late payment status had not been updated. I called in to Regional Acceptance again on XX/XX/XXXX at XXXX. The representative I spoke with that day, said I was misinformed on the prior call and that my account was not current. I went over the prior conversation with the representative and explained to her that I wanted to do an extension or whatever needed to be done to bring my account current and have the late status taken off of my credit report. She processed a payment of {$25.00} to cycle through and assured me many times that my account was not only now current, but my credit would be updated to show that, as well. I asked over and over for her to clarify my credit would no longer show '30 days late ' for XXXX, which she did. Now here it is XX/XX/XXXX, and my credit is still not updated. On XX/XX/XXXX at XXXX, I called once again. I spent 33 minutes on the phone. The first representative said the information I received previously was incorrect and they were unable to remove the late status from my credit report. She confirmed my account is current, but was unable to remove it. I asked her to pull the call from XXXX so she could hear the conversation from that day. She said she could not, and would transfer me to a branch. I spoke with a man there, who had to put me on hold twice, for minutes each time. I repeated the situation to him and he also said I had been misinformed and they could not remove the late status. I asked him if we could do an extension or whatever needs to be done for XXXX to be current. He said we can't do an extension because my account is current, which is what I had been explaining all along. He, as well as the lady before him, seemed very confused on my account. He supposedly is unable to pull the call from XXXX and said he would message the manager of the lady who " gave me the wrong information, '' and have her contact me. He said there was no way my credit would be updated. I asked him how I could receive copies of the recorded calls and he said he's unable to provide them and can't locate them himself. I received different information from three different people over the last two months. If the first representative had been correct, there's no way my account could have been 30 days late. I have tried for two months to fix this issue, while being given the run around by Regional Acceptance. I want the calls from XX/XX/XXXX and XX/XX/XXXX reviewed by someone higher up in the company and I was the '30 day late ' status from XXXX removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: My bank Suntrust/Truist has charged me over XXXX in NSF in less that a year. I have addressed this issue with the bank many times with no assistance. I have NEVER opted in to overdraft protection therefore the bank should NOT overdraw the account. The bank also intentionally DO NOT credit XXXX, Transfers etc. immediately so that they can charge NSF fees. I am currently seeking with an attorney about a Class Action Lawsuit. Suntrust/Truist is making BILLIONS with illegal NSF practices XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32504
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: SunTrust will not credit my business checking account for a charge for serviced never received. I sent 3 letters and you can not talk to a person. Hold times are over 2 hours. Debit Charge dispute with XXXX Card Number XXXX Amount : {$140.00} Date : XXXX A letter was previously sent before to SunTrust with all the information listed below. It is very simple. XXXX has charged me for a car rental that I never got. I arrived on time for the pick up the car. XXXX should refund us {$140.00}. XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. No phone number is listed Sequence of events Car was booked thru XXXX. on XXXX Confirmation number XXXX Car pick-up date : Location : XXXX XXXX XXXXXXXX XXXX XXXX Date and time : XXXX at XXXX XXXX I arrived at XXXX XXXX XXXX XXXX XXXX at XXXX XXXX. I was told me that a car was not available and was given a phone number to call. I call the number and was put on hold for over an hour. After traveling for 7 hours, the last thing I wanted was to sit on hold. I took a taxi to my Motel. I called XXXX the next day and the same thing happened. I was put on hold for over an hour and then someone hung up. I finally gave up. XXXX never responded to my e-mails for refund. Three-mails were sent on XXXX, XXXX & XXXX. It is impossible to talk to a person at XXXX. I then contacted SunTrust to dispute the claim and the wait time was 3 hours. I then went to the local SunTrust branch and had a personal banker contact SunTrust. About three hours later he called me and told me he finally got thru and filed the claim. I got a letter about two weeks later from SunTrust asking for more detail. I mailed the letter. On XX/XX/XXXX, I receive a letter asking for more detail about the dispute. This is extremely poor customer service. This is a business account and this issues should have been resolve long ago. Kind Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: On XX/XX/2022, I applied for a private party auto loan with XXXX XXXX XXXXBB & T dba Lightstream ) for {$15000.00}. I submitted my personal credit profile ( including SSN ), info about my income, etc. so that they can evaluate me for a used auto loan. They denied me although my credit is strong, I have no negatives, no collections and very strong income ( $ XXXX ). When I went to ask them why they denied me, they said that it is an unsecured loan ( meaning higher risk ) and that they couldn't approve me for the unsecured loan. If I wanted an unsecured personal loan, we live in the U.S.A. ( there's something for EVERYONE! ), I would have made that query. I have XXXX too. My query was for a SECURED private party used auto loan. Why does their website call it an auto loan when it's actually unsecured? They say it's unsecured so they can view things as higher risk ( and justify their terrible decisions ), but that's absolutely misleading. I would have never submitted any information to these people if I knew their tricks & deception. After speaking with their 'manager ' XXXX XXXX XXXX I was eventually hung up on. They don't provide their last names, I had to ask several times to be transferred to a manager. Terrible customer service, liars, misleading, worthless company that doesn't help anyone. They get a bunch of personal information from people only to deny them. They've hurt my credit with the denial. I have strong income, ( had ) strong credit until they got a hold of my information and made it go down almost 100 points overnight and the car would have secured the loan, making it lower risk, had they been promoting themselves the proper way. I would love to know their real purpose for existing. Probably stealing people 's identities with all the personal data they collect, just to deny them. Absolute waste of time & energy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been trying to contact my mortgage company for hours with no luck. I cant even get on hold for the next representative. I need to contact the insurance dept. I have an insurance claim pending and need to send the the check to cosign so i can pay the vendors. After jumping through numerous prompts all i get is their voice mail system and you need an ext or a person 's name to connect, which i have neither. I cant afford to pay to the repairs myself and need to speak with someone who can give me instructions on how to get the check signed by them or for them to waive the fact they need to cosign in which case i just need a email from them stating so
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91403
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust is saying I didnt make any mortgage payments on 2020. The only payments they provided that supposedly I made were only 2 pages of 2 payments. My payments were late but rent was paid. I have tried talking to the bank but they keep saying that I havent paid rent for the year 2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2022-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A