Date Received: 2022-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: We deposited a check on XX/XX/2022 for {$12000.00} into our family limited liability company account at Sun Trust branch in XXXX XXXX XXXX, FL. On XX/XX/2022, Sun Trust advised us that the issuer of the check was likely not to pay although they are a well established jewelry company in XXXX and placed a hold on our account for 10 days. Thereafter, a personal creditor filed a personal judgment against our corporate account and Sun Trust placed a hold on Company account. Our lawyer has spent hours trying to reach the Legal Department of Sun Trust to explain that the hold is illegal and improper. The branch manager refused to give us any way to contact the Legal Department of Sun Trust. This is simply outrageous way for a bank to conduct its affairs. Sun Trust should be sanctioned and made to divulge to consumers such as myself the availability of the Legal Department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear Sir/Madam, I had two mortgages with XXXX XXXX since XX/XX/2021. I had set up the automatic payments on XXXX XXXX online portal. The payments were always on time to pay monthly. But at the end XX/XX/2021, I found out that in my checking account there were no transactions for mortgage payments in the last few months. So I called XXXX XXXX and was told my two mortgages had been sold to Suntrust Banks in XX/XX/2021. So I called Suntrust Banks and made the missed payments on the same day when I found out the mortgage sale. When I made the payments, I asked the Suntrust representative if these late payments would be reflected on my credit reports. I was told that it should not be since I have made the payments, but if anything showed up on my credit reports I could file a dispute with Suntrust and Suntrust can help me to resolve it. So I filed a dispute anyway to avoid any negative impact on my credit, but recently Suntrust denied my dispute. I felt it was so unfair to me because I had never seen any notices about the sale of my mortgages. Suntrust told me they mailed me and even called me and left a voice message about the sale of my mortgages, but I have never received such a message from Suntrust. In the past 15 years I have never been late on any credit card payments and any mortgage payments. My credit score was always excellent, but now since the several late payments were reported on my credit report, they hurt my credit very badly. Both Previous mortgage company and Suntrust banks have all of my contact information ( including my email, mobile phone ), I am questioning if they did their best diligence to inform me about the sale to avoid late payments. I have paid the late payment fees because I indeed was late for a few payments. I am ok with that fees, but all I asked from Suntrust is an one-time courtesy removal of my late payments from my credit reports since I was not aware of the mortgage sales until XX/XX/2021. I was very stressed by how the COVID-19 impacted our life and am looking for a reasonable solution to my case from CFPB or Suntrust banks XXXX Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: My auto-loan with SunTrust/Truist ( XXXX ) was refinanced on XX/XX/22. A bank chat representative, XXXX, confirmed the loan payoff was completed on XX/XX/22. I am owed roughly {$750.00} from a refund on GAP insurance which the agent was unable to give me any information about. I was advised to call XXXX to inquire as to the refund status, but wait times are on the order of 25-60+ minutes, and there is no callback option. The chat representative advised me that the GAP policy refund would be automatically deducted from the outstanding payoff for clients who obtained a loan in Alabama, but the full amount ( {$25000.00} ) of the loan was refinanced with XXXX XXXX XXXX. I attempted to contact the department at the number provided, but after waiting on hold for 40 minutes I could not wait any longer due to extraneous circumstances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/2022 I made a payment by way of XXXX through sun trust bank to a person but the name of the person I sent the money to was correct but the phone number was wrong. After calling online banking with Suntrust bank and being on hold for 43 minutes XXXX with online banking told me if I make a mistake on one thing it is up to me to find the person that the money went to and get it back on my own and it is nothing that sun-trust bank can or will do. As of today the money is lost. That number to the suntrust on line banking is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2022, I attempted a mobile deposit of {$490.00} through the Truist app. It glitched several times and I never received confirmation of a deposit. I called Truist on XX/XX/2022 and a representative said it was not posted in pending deposits, it was not being processed, nor was it posted to my account. She recommended I wait an additional day. I waited, and when it hadn't posted, I called Truist again, on XX/XX/2022. During this phone call, the representative said it was not pending, processing, or posted and recommended I take the check to my local branch to deposit it. We experienced winter weather and I wasn't able to visit my branch until XX/XX/2022. At this time, I deposited the check and was told it would be credited Monday. On Monday, I call again ( to Truist ) and was told it would be Tuesday before my money was posted. On Tuesday ( XX/XX/2022 ), I woke up to an account that was overdrawn and the deposit had been posted and then removed from my account. After calling both Truist and my local branch, it was determined that the mobile deposit had posted on XX/XX/2022 ; however, I received no confirmation number nor did the two Truist employees I spoke with notify me of this deposit. Ultimately, Truist decided there was no fault on their part, because it had posted. However, they could not explain why two employees on two separate occasions after XX/XX/2022 couldn't tell me that the deposit had posted. The Trusit representative I spoke with today ( XX/XX/2022 ) explained that they couldn't see it because of processing times and they can not see processing deposits ; however, if the check posted on XX/XX/2022 as Truist states- why could the employees I spoke with on XX/XX/2022 and XX/XX/2022 not see the posted amount?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41501
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had an account with Suntrust and they closed my account XXXX XXXX i went to the branch to collect the rest of my funds out of the account and i was told that the account was officially closed and not payment would come out and nothing would be deposited into the account i paid all fees that i owed. Fast forward to XX/XX/2022 my payroll check got sent direct deposit to the closed account and instead of Suntrust bouncing it back to my employer they accepted the direct deposit i do not have access to this account i called customer service and i was told that its under investigation and they are holding my funds until the investigation is closed and they will send out a check however they dont know when they will be able to send out the check with my funds so they are holding on to my funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20646
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquires on my XXXX credit report direct tied to Identify Theft. Police Report and FTC Affidavit have been submitted sever times over the past year. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Bank ( XXXX ) XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Automotive ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX XXXX XXXX Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX Finance/Personal ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07202
Submitted Via: Web
Date Sent: 2022-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Evaluate this account : REGIONAL ACCEPTANCE CO XXXX Balance {$10000.00} reporting by making a revision of the information provided. Charge off account should show {$0.00} balance so why is it that there is a {$10000.00} balance indicating if it is a charge off account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Counterfeit checks were deposited and cashed from my Business checking account, none of which were authorized. I contacted my banking institution within a timely manner ( 24hrs ) and have gotten no response back. The 1st 2 checks were deposited on the XX/XX/XXXX for {$7300.00} and {$7600.00}. Banks were closed on the XXXX of XXXX, I called on the XXXX to report it. The bank took a claim and said someone will get back to me in 2-10 business days. Another check for {$7600.00} was deposited and cleared on the XXXX of XXXX for {$7600.00}. I again called and notified Suntrust on the same day, and another report was taken. Another check for {$4800.00} was deposited and cleared on the XX/XX/XXXX. Again, I called Suntrust to report it and why they keep clearing these checks. I was told it would take 30days to get a response back, meanwhile I am out {$28000.00} plus bank fees. To this very day, Suntrust has not gotten back to me with a single phone or response of any kind. I need assistance because I make daily calls to the bank and I keep getting the run-around.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30094
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-24
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulentinvestment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank transfer and debit card and through an intermediary named XXXX in the total amount of XXXX USD utilizing Branch Banking and Trust services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31061
Submitted Via: Web
Date Sent: 2022-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A