Date Received: 2022-01-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am filling another complaint since the first complaint I filled still has not been resolved. The information that was requested has been floating around the delivery area since the XXXX of XXXX, and it was finally picked up today on the XXXX of XXXX. I didn't want to close the first complaint but wasn't given a choice. So I am opening up another complaint against Suntrust. Since XX/XX/XXXX, SunTrust has refused to return my $ XXXX deposit, SunTrust advocates and caseworkers have failed to return phone calls or emails ; the staff at the branch refused to provide any information telling me, Weve been told not to talk to you. Then after I filed a complaint, I got a response that, in essence, accused me of fraud. I am a XXXX and do not appreciate being treated like a criminal. If I needed my money to live on, I would have every XXXX XXXXdvocacy group and XXXX advocacy working on this. I have seriously considered going to the XXXX XXXX XXXX on your side advocate to help me, but SunTrust has already stolen my money and too much time. I want this to be over, and I want my money. XXXXeres what happened In XX/XX/XXXX, I opened a new account at Chase Bank on XXXX XXXX XXXX in XXXX. I deposited {$4500.00} in cash on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I withdrew those funds deciding to choose SunTrust on XXXX XXXX in XXXX, much closer to my home and on the way home from work. I received a XXXX XXXX number XXXX for the funds. On XX/XX/XXXX, I tried to open an account, asking a friend to be on the account. Her credit report was locked, so we had to return to finalize the account the next day. The banker we XXXX is named XXXX XXXX. While it took me 15 minutes to open an account with XXXX, my friend and I sat and listened to XXXX babble and try to upsell me for 90 minutes. We almost didnt return Friday, XX/XX/XXXX, because it was such a bad experience. When we returned, we told him XXXX minutes. It took him nearly an hour. As a side note, I have visited the branch and XXXX several times. He now claims not to remember me. If this situation with SunTrust were not so infuriating, it would be laughable. The receipt from SunTrust is stamped at XXXX pm XX/XX/XXXX. It included the Cashiers Check and $ XXXX in cash. In a letter dated the same day, I noticed that the Cashiers Check was put on hold. The XXXX bank statement showed a {$2000.00} withdrawal. The XXXX bank statement charged me for checks that I could not use and didnt want that XXXX XXXX I had to have. {$17.00} for checks. The account was closed by Suntrust before I even received the checks. Another act of thievery by SunTrust. On XX/XX/XXXX, I received a call from XXXX XXXX with Client Advocacy, who told me XXXX XXXX was the Case XXXX. On XX/XX/XXXX, XXXX, the banker who doesnt remember me, called to see How I was doing. I wasnt happy about the situation. On XX/XX/XXXX, I received a letter from XXXX, who wrote that she had tried to call me several times but was unsuccessful. This is a lie. I have documented every call with SunTrust and its representatives. She could have left a voice message, the call from XXXX was a voice message. I left a voice message with each call. I have never spoken to her because she never called and never returned any of my many calls. XX/XX/XXXX XXXX pm XX/XX/XXXX pm XX/XX/XXXX am XX/XX/XXXX XXXX am XX/XX/XXXX pm XX/XX/XXXX XXXX am XX/XX/XXXX pm XX/XX/XXXX am XX/XX/XXXX am XX/XX/XXXX am I called XXXX XXXX on XX/XX/XXXX at XXXX am and XX/XX/XXXX at XXXX am On XX/XX/XXXX, I filed a complaint with the Consumer Financial Protection Bureau. However, I considered calling XXXX XXXX so that she could use this as an example in speeches, newsletters, and other communication. On XX/XX/XXXX, I received an email from XXXX XXXX saying that the XXXX XXXX team was working on it. SunTrust is now Truist. In between, SunTrust/Truist has had me and XXXX jump through hoops producing document after document demonstrating that the Cashiers Check was real and came from XXXX. XXXX bankers think SunTrust/Truist is ridiculous. The XXXX branch XXXX said that shed never seen anything like this. I have made too many trips to the XXXX branch and to XXXX to XXXX various proofs that the check was issued to me and was mine. We are into XXXX, and I still dont have my money ; I dont have a reasonable response. I cant get any response from SunTrust/Truist XXXXxcept more veiled, unproven accusations impugning my character. Ive had enough. I want my money, or I XXXX have to seek legal counsel. I have enclosed all documentation that was requested, along with a receipt from XXXX when I closed the account and received the Cashiers Check, additional proof the check was valid at the time it was deposited into my Suntrust Account. Additional Information after package was mailed. The documentation that was requested and sent to the XXXX XXXX XXXX XXXX, Virginia ( after getting address to send documentation from XXXX XXXX ) was mailed on the XXXX of XX/XX/XXXX, finally arriving in XXXX Virginia on the XXXX of XXXX, and was finally picked up at the XXXX XXXX XXXX the XXXX of XX/XX/XXXX. On the XXXX of XX/XX/XXXX I received a call from XXXX XXXX, Client Advocancy telling me for the second time that XXXX XXXX had been assigned as Case XXXX. Voice Mail from XXXX. Tried calling XXXX XXXX and XXXX XXXX, but only voice mail. This started on the XXXX of XX/XX/XXXX and it is now the XXXX of XX/XX/XXXX and this has still not been resolved. You have all requested documentation and I still get no response from SunTrust, just more delaying and holding my money.
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: 2022-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received several emails from BB & T regarding an open account, which I did not have. I spoke with the fraud department and they told me it was taken care of. I stopped receiving emails. I then received in the regular mail personal checks from XXXX XXXX with my information ( except maybe suspect 's cell number ) on them. I called the police who filed an identity fraud report. Today I received 2 notices from XXXX XXXX, debt collectors for 2 accounts, one from SunTrust and one from BB & T ( which have now combined to become Truist Bank ). I have tried calling the fraud department for Truist Bank and never spoke with anyone because everytime I am on hold for over 30 minutes. I ordered a XXXX XXXX Report and saw Truist Bank on the report with my social security number from XX/XX/2021, which lines up to when I started seeing the emails from BB & T.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29407
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Other service problem
Subissue:
Consumer Complaint: The section of the Bank XXXX XXXX and Privacy Notice entitled " Arbitration Procedures '' states, in part : " Either You or Truist may initiate arbitration by submitting a demand for arbitration to the arbitration administrator .... '' and " Any demand by You must be delivered to Truist Bank Legal Department, Attn : General Counsel - Arbitration Election, XXXX XXXX XXXX XXXX Mail XXXX : XXXX, XXXX XXXX NC XXXX, and our notice must be sent to the most recent address for You in our files. '' Based on the aforementioned verbiage, I am assuming that : ( i ) the usage of the term " may '' indicates that my submission of a demand for arbitration to the arbitration administer is optional ; ( ii ) the usage of the term " must '' indicates that a demand for arbitration submitted by me directly to Truist, and without submission by me to the AA, is a pre-dispute arbitration agreement; and ( iii ) the meaning of the term " address '' includes either : ( a ) the most recent account statement for my account; ( b ) my account itself; and ( c ) any other account statement for another account or the account itself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-13
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX a check that was dated for XX/XX/XXXX in the amount of {$950.00} was deposited into my account the name on the check was XXXX XXXX XXXX XXXX XXXX I did not endorse it my name is nowhere on the check I know nothing about the check I have been trying to call SunTrust going on 2 days now I'm at 4 hours right now and I'm unable to get anyone on the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2022-01-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I paid off my residential mortgage serviced by Suntrust/Truist XX/XX/XXXX. Prior to closing, I noticed the payoff amount did not include credit for the escrow balance of {$720.00}. I contacted Suntrust prior to the closing on XX/XX/XXXX and they stated a check would be mailed after payoff. On XX/XX/XXXX, I called Suntrust and was told the check could take 10 to 15 business days for me to receive. On XX/XX/XXXX I spoke to XXXX and was told they mailed the check on XX/XX/XXXX. I told him still had not received my escrow refund. XXXX stated he would send another check. I told him I prefer a wire or direct transfer as Suntrust has demonstrated an inability to properly send checks. XXXX said it was not possible to wire funds. I told him I require a tracking number for the check being mailed and he said to call back on XX/XX/XXXX for tracking number. On XX/XX/XXXX I called and spoke to XXXX and requested a tracking number. He said a tracking number was not available and will initiate an internal complaint. I requested a wire transfer again. On XX/XX/XXXX I called XXXX and he stated check requested by XXXX on XX/XX/XXXX was not sent and checks requested through escrow department take 7 days to process. Suntrust Internal compliant number XXXX was provided to me. XXXX said I would get a call back from the Client Resolution Department within 24 hours. I told XXXX they were in violation of CFPB XXXX. On XX/XX/XXXX XXXX XXXX called and said they will research and do wire transfer by next week. I told XXXX XXXX they were in violation of CFPB XXXX. On XX/XX/XXXX, I called and spoke to XXXX. He said they are working on it and I would receive a call today. XXXX XXXX called and said they scheduled a wire transfer XXXXand that he will call back tomorrow. On XX/XX/XXXX, Still no wire transfer. I called and spoke to XXXX and he said XXXX XXXX was gone for the day. He said he spoke to XXXX in XXXX XXXX Department and she will follow-up and call today before XXXX. On XX/XX/XXXX XXXX called back. She said a " Stop '' was placed on XX/XX/XXXX on a check and they will wire funds to my account by XX/XX/XXXX. I told XXXX they are in violation of CFPB XXXX. On XX/XX/XXXX, XXXX am., I called XXXX XXXX XXXX Still no wire transfer. He said he will call back today. I told him I needed a reference # for wire transfer. On XX/XX/XXXX, XXXX am., No call yet from XXXX XXXX and no wire transfer. I called XXXX. She said people not in today. She said she is moving it to other people and will call back before noon. On XX/XX/XXXX XXXX XXXX called back and said she is still working on it. On XX/XX/XXXX XXXX wire transfer finally appears in my account. Please review the Suntrust/Truist mortgage servicing department for additional similar violations. Please also pursue Suntrust, Truist, for maximum civil money penalties, sanctions and other enforcement action for these violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2022-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I discovered the identity theft and notified BB & T/Truist on XXXX XXXX. After several months and contacts, I received a notice from Truist that it is a fraudulent account and was closed. Today XX/XX/2022, I received a notice from a debt collector XXXX XXXX XXXX that they are trying to collect {$200.00} on the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92122
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I Called SunTrust Fraud dept XXXX. Communicated I had a fraudulent check i/a/o {$14000.00} payable to XXXX XXXX paid on my rental account. Someone forged my signature on a fraudulent check. Was given a Case ID # XXXX XXXX. Was told an investigator would call within 10 days to give me an update. On XX/XX/XXXX, I received a call from XXXXXXXX XXXX, they called me to inform me I had been a victim of ID theft and so had their client, XXXX XXXX. I said I was aware and I had already communicated w/ SunTrust XXXX They said they had the funds held at XXXX and as soon as SunTrust provided an indemnification letter, the funds would be returned to SunTrust and refunded to my account. I then proceeded to call the Fraud dept on the following days to get an update, to advise them of the call from XXXX and to request the investigator call me back. Each time I spoke to the rep, I reminded them of the information XXXX XXXX provided me. XX/XX/XXXX - I spoke to XXXX in the Fraud dept. " Case is still in process '' XXXX - I spoke to another rep. Case is still in process '' but would escalate. XX/XX/XXXX - I spoke to another rep and requested to have a supervisor call me. XXXX is still in process but would escalate. XX/XX/XXXX - I spoke to XXXX who would " Escalate '' my case. I also spoke to you and you escalated to the Client Advocacy Dept. XX/XX/XXXX - XXXX XXXX from Executive Services called me to advise XXXX XXXX would call me. XX/XX/XXXX - XXXX called me to advise he would escalate, that he did not work in the Fraud dept, but would escalate the matter. Advised typically takes 90 days to settle cases. XXXX phone # XXXX. XX/XX/XXXX - I spoke to XXXX. Case is still in process. XX/XX/XXXX - I called XXXX XXXX again, " case was still in process '' but could take up to 120 days. I LOST IT and said absolutely not, totally unacceptable .... XX/XX/XXXX - I spoke to XXXX in the Fraud dept, case in still in process but he gave me an Escalation ID XXXX. XX/XX/XXXX - XXXX XXXX, THE FIRST PERSON TO CALL ME FROM THE FRAUD DEPT AFTER MY REPEATED REQUESTS. I explained and he apologized, but my case has been in the wrong dept within Fraud. He told me he will email the Hold Harmless Dept to work on the Indemnification Letter w/ Ally and he would transition the case to the CHECK FRAUD dept b/c his dept didn't handle my case. XXXX would call me back ... .has not. So, my case was taken in on XX/XX/XXXX and after my seven ( 7 ) attempts to speak w/ someone from XX/XX/XXXX - XX/XX/XXXX, it appears that NO ONE was handling my case b/c it was in the wrong dept????? Really??? XX/XX/XXXX - I spoke to XXXX in the Fraud Dept and asked to be transferred to XXXX XXXX. She could not and she gave me another ESCALATION CASE # XXXX. Today is XX/XX/XXXX, 5 days away from a 90 day time frame and to this date, the ONLY person to call me has been XXXX XXXX from the Client Advocacy Dept and XXXX XXXX from the Fraud Dept. This letter serves as a formal complaint against SunTrust/Truist. My account was fraudulently debited {$14.00}, XXXX on XX/XX/XXXX, I contacted my bank immediately on XX/XX/XXXX and I still do not have resolution to this matter. I filed a complaint w/ the FDIC , Case # XXXX today, XX/XX/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: 33176
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I paid my Truist car loan payment XX/XX/XXXX, which was due on XX/XX/XXXX. After looking at my account Truist says there is " no activity '' on my account. I have a reference number sent to my on XX/XX/XXXX stating my confirmation number and details of payment. ( Confirmation Number : XXXX ) Payment Date : XX/XX/XXXX Payment Method : Personal Checking Bill Name : XXXX XXXX Loan Account Number : XXXX Amount Paid : {$780.00} Apply To : Regular Total Payment Amount : {$780.00} Truist Response in a Chat was : I understand your concerns regarding your loan payment and I apologize that we were unable to meet your expectations in servicing your banking needs. Please know that our goal is to provide superior client service by understanding our clients ' needs. Therefore, I have taken the liberty of logging a formal complaint on your behalf regarding this matter. Your comments will allow us to evaluate our current policies and make modifications as needed. We appreciate you bringing this matter to our attention. Their website shows no indication that a payment was made or in progress. They do not appropriately make it clear that a payments was made or in progress causing great concern to consumers who may think the payment did not go through and will make another payment without knowing the payment was made. Truist ( formerly BB & T ) refuses to make the necessary changes to their site, and also there is no product that indicates a consumer can inquire to a Auto Loan or a number to contact them for just an Auto Loan, only a personal loan, mortgage loan, credit cards etc... I believe their website and information regarding loan accounts is misleading ( UDAAP ), and could cause misapplied or overpayment on their loans. This will cause Credit Reporting issues and it appears there are some EFTA violations due to their misrepresentation of the outstanding balances due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29577
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. SHEFFIELD FN bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. BBT RCVRY bal. {$11000.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau po box 4503 Iowa City, Iowa 52244
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75115
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A