Date Received: 2022-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. On XX/XX/XXXX, I sent a request to BB & T, via XXXX, because they were reporting my account as delinquent. I had been making my regular payment each and every month, even though I had not been receiving monthly statements. 2. On XX/XX/XXXX, BB & T replied to my letter and stated that they had made an error and were sending the corrected information to the credit bureaus. 3. For the 12 months of XXXX and the first 5 months of XXXX, I never received a bank statement or correspondence from BB & T regarding my account. 4. XX/XX/XXXX, I receive a bank statement showing my past due payment in the amount of {$3900.00}, with no prior notice or bank statement to explain the increase. I try to access my account online, and there is no account listed. I send an online inquiry regarding the account. 5. No bank statement for XXXX, XXXX. 6. XX/XX/XXXX, I receive a response to my inquiry, which is littered with false statements and incorrect dates. Never included the documents that I requested such as bank statements for the prior three years ( XXXX XXXX ) or the evidence showing that my payment was supposed to increase or the notification that it was going to increase. 7. XX/XX/XXXX, receive a bank statement for XXXX, XXXX, still showing past due payments in the increased amount. 8. On XX/XX/XXXX, I send an email to BB & T Complaint Group requesting copies of bank statements and copies of the alleged documentation they claim states my payment was to increase. ( To date they have still not been produced ) 9. On XX/XX/XXXX, I send the same letter, via XXXX, to BB & T. 10. On XX/XX/XXXX, I receive a response to my XX/XX/XXXX email. It falsely states that my account is still open and active online. It falsely states that I have opted for online statements, wherein I always elect for paper statements. States that the dates given in the XX/XX/XXXX letter were incorrect, yet still does not provide a copy of the agreement. 11. On XX/XX/XXXX, via XXXX, I send a letter to BB & T stating the same requests and items that need to be corrected along with my suggestions of how the account could be rectified, if someone would look at the copies that I had sent. 12. After 4 months of waiting for a response, I receive a letter XX/XX/XXXX that states the same thing as always. They offer no redemption EXCEPT to pay the {$8200.00} that is behind, even though they still haven't shown any proof. To date, I still have not received copies of any requests that I have made and they have ignored my resolutions to correct same. 13. On XX/XX/XXXX I sent letter to BB & T, Trust Headquarters and CFPB for assistance as I have come to the end of my rope with requesting the information that proves my payment should increase, having derogatory information being sent to the credit bureaus and people ignoring my attempt to correct this account. 14. on XX/XX/XXXX, I receive the latest letter from BB & T, which again includes false statements and now threatening foreclosure on this account. I was never in foreclosure in XXXX, not in foreclosure now, nor notified of any active/upcoming foreclosure. 14. Payment history will show payments have been made each and every month in the amount that I know to be the correct amount, until proof is otherwise shown to me that the payment should increase. For the past several months, BB & T has cashed my check but not applied the amount to my account. 15. All I ask is for the documentation to be presented to me showing that my payment should increase, find a reasonable solution to correct the account and correct my credit report to show that I have not missed a payment for the last two years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 285XX
Submitted Via: Web
Date Sent: 2022-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 I was charged an overage fee, my account was low but not overdrawn. This however put my account into being overdrawn. I put money into the account on XX/XX/XXXX. I sent a message to Suntrust online account support and was told due to delays it would take 24-48 hours until I heard from anybody. Spoiler alert, I never did hear from them. My account was then hit with a 2nd overage fee, which wouldn't have happened if they corrected their error in the first place. Today I have been on the phone and on hold with them and the agreed that my account had not gone over balance that they would do a 1 time COURTESY refund. I told him that's not acceptable that their creative math is what caused the overage in the first place. It is predatory to charge someone an overage fee when their account is not overdrawn. After notifying " XXXX '' that I was recording our conversation and had my banking info that shows I did not go over I had to wait another length of time for a supervisor XXXX. After a lot of back an forth it seems that the money will be back in my account Tuesday if I have no more overages due to this. It is unfair for financial institutions to treat people this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27513
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts are not mine and they should be removed from my credit file. XXXX ) Suntrust account # XXXX Date open XXXX XXXX Balance {$21000.00} XXXX ) XXXX Bank account # XXXX Date open XXXX XXXX XXXX Balance {$38000.00} Loan Amount {$55000.00} Someone stole my information and open these accounts. I have put a fraud alert on my credit file sent in my Identity Theft Affidavit in police report and someone was still able to open these accounts fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I was pre-approve for {$250000.00} for purchases up to {$260000.00} on XX/XX/XXXX with BB & T/Suntrust now Truist Bank . I started looking for homes in my pre-approve price range. We are in a seller 's market right now so most of the nicer homes selling fast and some are over priced. I was told that if I go over my pre-approve amount I would have to pay the difference with down payment and closing cost. I was able to find homes in that price range and a little lower, but I was being out bid by other buyers. On XX/XX/XXXX I found a home priced at {$260000.00}, I made an offer for {$260000.00} and my offer was accepted and I went under contract on XX/XX/XXXX, we were scheduled to close on XX/XX/XXXX. On XX/XX/XXXX XXXX updated my pre-approval amount from {$250000.00} to {$240000.00} for purchases up to {$260000.00}. I was never told why pre-approved amount changed. The lender ( XXXX ) would ask for documents and I would submit them via email directly to XXXX or through Truist portal. I have always submitted documents directly to XXXX or uploaded them on Truist portal and I have always submitted within the time she requested them. The end of XXXX I told all parties involved, that I would be going on vacation from XXXX and that I periodically check in with my realtor to make sure that the lender had everything needed so that I could close on time which was XX/XX/XXXX. My realtor would periodically ask the lenders, if they needed anything else from me, the city said they had everything they needed, she never heard anything from the bank ( XXXX ). On XX/XX/XXXX I received an email from the loan processor ( XXXX XXXX, saying she wasn't able to reach my landlord for VOR. My realtor would have contacted my landlord had someone respond to her in the email when she was asking if we were still on track. On XX/XX/XXXX I asked XXXX would I still be closing on time if I contacted my landlord about the VOR form, and she said " my loan was not approved and closing on XX/XX/XXXX will not be possible. There are a lot of items needed on your loan. I know you have been working with XXXX on getting items needed. I will send you a list later today of what is still needed ( including the VOR ) that is still needed. Thank you. '' I emailed everyone to let them know that XXXX said I wasn't closing on that date. XXXX emailed me to call her and that's when she told me that the city taxes were higher than she anticipated and that would bring my mortgage up to {$1600.00} and I would have to bring an additional {$20000.00} or more in order to close on the deal. She said she would give me a chance to think about it, because I told her that's not what we previously discussed. I was only supposed to have about {$14000.00} totaled out of my pocket not some exorbitant amount. I did not know the lender emailed everyone except me and told them the under writer would not approve my loan because the debt ratio was deemed too high. The seller 's realtor and my realtor both asked was it a common practice her to pre-approve someone and days before closing deny them because debt ratio and they don't really have any debt. I think it's a very unprofessional practice to spring someone along and days before closing tell them the under writer denied the loan. I should have been told this during the 21 day financial contingency and I would've been at least able to keep my earnest money. I am a single mother and I could not afford to lose my money due to the lender being dis-honest. I believe the lender should reimburse me all of my money, plus money for my time, realtor 's time and inconvenience for the both of us. This is unacceptable I really feel like I've been scammed, and I know for a fact that I'm not the only person this lender has done this to. Please hold them accountable for their actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: We request detailed balance proof, including deposit and withdrawal, for the entire XXXX XXXX fund at BB & T bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, a bank XXXX, was sentenced to 21 years in prison on XX/XX/XXXX for fraud and forgery of documents by XXXX XXXX, and thus required by the XXXX to remit money to XXXX. As a result, when I called BB & T XXXX BANKING XXXX XXXX, XXXX requested activation because the account was dormant in order to remit money to XXXX after XXXX hours. The activation fund XXXX {$11000.00} was loaned from a Korean bank and paid, and the activation was completed in XXXX. When I called BB & T XXXX BANKING XXXXXXXX XXXX again, the remittance was said to be completed within XXXX hours, but the remittance was not completed. Thirty-six hours later, in order to obtain a Federal Department XXXX XXXX XXXX XXXX XXXX, XXXX are asked to procure US {$40000.00} within XXXX business days and complete the transaction. BB & T bank normally received proof of balance for activation funds received from XXXX. He requested proof of balance for the entire fund in XXXX XXXX XXXX account, but the process is pending. Even if you request a reason for the suspension, there is no reason. " FEDERAL RESERVE BANK XXXX XXXX XXXX, XXXX XXXX NY XXXX Date : XX/XX/XXXX Attention : XXXX XXXX XXXX We wish to inform you that upon verification and authentication of your credit advice instruction, the XXXX Bank hereby give the following instruction before the fund will reflect in the account below. ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX : XXXX NAME OF BANK : XXXX XXXX BANK AMOUNT TO BE TRANSFERRED : XXXX {>= $1,000,000} TIME OF RELEASE : XX/XX/XXXX XXXX AM This is to inform... This is not a fee neither is it a lien, as it will be credited in your bank account, The {$11000.00} dollars will be reflected in your first transfer of {>= $1,000,000} dollars meaning you will receive the sum of {>= $1,000,000} dollars only. Please take note that there will be no other charges from this department or any other XXXX XXXX department concerning the reflection of your funds into your nominated bank account immediately we are in receipt of the world. Lastly, your lawyer representing you in the transaction should come over to XXXX XXXX and XXXX XXXX, XXXX XXXX XXXX DC XXXX XXXX XXXX Federal Reserve System ) with the fee and a copy of your identification card. XXXX XXXX XXXX, XXXX To Federal Reserve Bank... CC : XXXX XXXX XXXX Cc : XXXX XXXX of XXXX XXXX Consult '' It went all the way here with the XXXXXXXX XXXX memo, but additional help is needed. " Urgent XXXX ( XXXX ) XXXX Sender, XXXX XXXX Recipient XXXX XXXX XXXX Attention : XXXX XXXXXXXX XXXX XXXX XXXX XXXX department of XXXX XXXX investigated the transaction after we received an memo from the XXXX hXXXX XXXX the Treasury XXXX is doing everything to move the fund with XXXX XXXX. .... XXXX XXXX '' I inherited the funds from a welfare worker and asked them to use them for social welfare activities, so far, XXXX private bank ( account activation ), Nebraska XXXX ( inheritance ), Nebraska XXXX XXXX ( fund origin ), XXXX XXXX Department XXXX ( drug ), FBI ( XXXX XXXX XXXX XXXX ), XXXX. It has reached the XXXX Department XXXX XXXX XXXX XXXX XXXX ) through securing ), FRB ( Account Activation ), and BB & T XXXX XXXX XXXX XXXX ( Account, Fund Status, CPIN Verification ). I don't know how far I have to go to complete the international remittance, and I don't have any funds, so I hope it will proceed as a follow-up payment. XXXX XXXX, the first lawyer to help me, was sentenced to 21 years in prison for fraud and forgery of documents by the FBI on XX/XX/XXXX. I ask you to help me figure out how to conclude this. I received a letter from XXXX XXXX XXXX XXXX of the XXXX on XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have tried to get a payoff request in order to refinance with another lender from Truist/Suntrust . I have not been able to acquire a payoff statement. This has pushed my lock twice extended. No response from Truist. I have been transferred time and time again. Payoff Amount. XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78641
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Struggling to repay your loan
Subissue: Can't get other flexible options for repaying your loan
Consumer Complaint: I have been trying to come up with a payment plan that fits my budget. The bank only wants to put me on a payment plan where I am paying {$1000.00} per month ( which I can't afford or an interest only plan. With interest only, I am not paying any on the principal. I will be paying forever. I have asked for a plan where I am paying {$500.00} per month and this is all they are offering me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37921
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My loan was transferred from XXXX to SunTrust Mortgage ( now Truist ) effective XX/XX/XXXX. My loan has escrow for taxes and insurance as confirmed on my closing disclosure as well as my escorw analysis received from XXXX on XX/XX/XXXX. However, SunTrust failed to pay my Summer Taxes due and payable in XXXX and it appears they have no plans to pay my winter taxes either due and payable by mid XXXX. It appears they have a loan boarding issue as you can see from the screenshots as the system shows my next Summer tax is due in XX/XX/XXXX ( its past due for XX/XX/XXXX ) and my next winter tax is due in XX/XX/XXXX by it indicates ( mock ) and amount due as XXXX ( taxes are over XXXX ). Now there are outstanding fees and penalties for the late taxes from XX/XX/XXXX. As indicated in XXXX ( k ) of XXXX XXXX, the servicer is responsible to pay escrow items on time to avoid a penalty as long as I am current. I've been current the whole time and they did not pay my taxes ( XXXX failed to pay my insurance timely in XX/XX/XXXX and I let that slide ). As a regulatory myself, I can't help but think how many other consumers are also affected by this error and have no idea how to make sure this gets corrected without fee 's being assessed to them. I am sure XXXX and Suntrust will point fingers at each other meanwhile the consumer who does what they are supposed to is harmed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 481XX
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: Hello I am in the hospital due to my XXXX XXXX on XX/XX/XXXX and the hospital said that I am in a mental state which is a situational XXXX I shut completely down to a XXXX XXXX we was married for XXXX years I lost the love of my life. I am going through a lot I'm out of work I'm not being paid I ask my XXXX to handle my account and ask them to work with me and please not take my car they decline me I'm trying to get better but stressing about them taking my car! Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23464
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by aconsumer reporting agencybearing on aconsumerscreditworthiness, creditstanding, creditcapacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing theconsumers eligibility for ( A ) creditor insurance to be used primarily for personal, family, or household purposes ; ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject tosection 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report Gramm Leach Bliley Act ( GLBA ) Privacy Notice SHEFFIELD FINANCIAL a division of Truist Bank Please provide proof of claim with evidence that you have legal and lawful authority to collect? 1. Validation of the debt ( the actual accounting ) 2. Verification of claim ( a sworn affidavit or signedinvoice! ) 3. copy of the contract binding both parties. Failure to substantiate the claim, please settle account immediately. Provides me with strict proof section 609 ( a ) ( 1 ) ( A ), I authorized this accounts such as signed applications or contracts in wet ink signature and the actual accounting showing a loss. Im challenging this account with Sheffield of the Federal Debt Collection Practices Act ( hereinafter FDC PA ), Fair Credit Reporting Act ( FCRA ). I will also file a complaint with the XXXX I will further pursue all of my legal remedy without further notice to SHEFFIELD FINANCIAL. I have attempted to resolve this matter formally before filing a complaint and lawsuit! SHEFFIELD FINANCIAL a division of Truist Bank actions among others are violations of the federal Fair Debt Collection Practices Acts ( FDCPA ) of multiple state and Federal laws. Relief from Intentional act of fraud. Fraud, deliberate concealment of material information, fraud is a felon. This is Dishonor in commerce, Fraud, Conspiracy, and Racketeering. I am writing to dispute an account XXXX fraudulently opened in my name. I am a victim of identity theft. SHEFFIELD FINANCIAL are attempting to collect an alleged debt on the basis of fraud.I DO NOT HAVE A CONTRACT WITH SHEFFIELD FINANCIAL. I DO NOT GIVE SHEFFIELD FINANCIAL a division of Truist Bank AUTHORIZATION TO PUT ANY REMARKS ON MY CONSUMER REPORT. 15 U.S. Code 1681n - Civil liability for willful noncompliance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34759
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A