Date Received: 2022-01-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Today ( XX/XX/XXXX ) I awoke to having a negative XXXX Checking Balance. This was because SunTrust now Truist took my full monthly mortgage payment from my account, {$3500.00}. I was under the impression, which it said in their online poortal, that I would not owe anything until XXXX. Last month, XXXX XXXX, I accidentally double-paid my mortgage, two full monthly mortgage payments of {$3500.00}. I tried to recoup one of these two payments via countless phone calls, emails ( XXXX ), and tweets with SunTrust but was unsuccessful. Now, they drew a mortgage payment that did not need to be made until XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This is an unauthorized inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I the undersigned, a financial and marketing professional was desperately seeking a job since XX/XX/XXXX, after being laid off. I was interviewed and accepted for the job and agreed to sign a contract. On XXXX XXXX XXXX. I received a check by FedEx mail, track # no XXXX from a certain XXXX XXXX who claims to be a Business Executive Manager who interviewed me to be his Assistant and work for him full time. As instructed by the new employer I deposited it into my checking account. I realized suddenly, It must be a scam and reported to my Bank the following day on XXXX, XXXX, XXXX. It was turned to be a scam. I called also my SunTrust Bank informed the whole story the check was put on hold. I haven't touched the disputed check amount which is on held. The SunTrust Bank, send me a letter on the hold on XXXX XXXX, XXXX the XXXX XXXX when I attempt to withdrew money from My Direct deposit from Social Security and part time payroll check, my account is inactive. Since then I am trying to reach the Bank no one answers a call after a XXXX hold. I sent email messages, no reply at all. I could not pay my bills and have no money to spend for my food, gas and daily expenditures. I want the SunTrust Bank to to resolve the issue, before I open a law suite against for all damages and hardships that I am encounter. I need the XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20901
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I had a home equity loan back in 2017 that the bank showed we defaulted on and reported this to the IRS and issued a 1099 form accordingly ... ..We were never notified at the time and subsequently sold the property to whom the XXXX was attached and the attorney handling the sale found the line of credit balance and paid the bank ( Suntrust ) the outstanding balance at the time of the sale ( {$27000.00} ) ... .we have the transfer of funds paperwork from the attorneys office as well as a letter from Suntrust saying the debt was satisfied, however we asked that a corrected 1099-c form be sent to the IRS as well as reporting the debt satisfied and accounts closed to the three credit bureaus and they refused to comply ... ..It has now developed into a huge problem with the IRS holding me and my wife liable for the XXXX which they perceive was the result of debt forgiveness ( 1099 ) they claimed back in 2017 ... ..All they have to do is submit a Corrected 1099-c form to the IRS and they have refused ... ..If the file transfer did not go thru... please alert us... we can send over all the files upon request
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: 2022-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened checking account XX/XX/XXXX with {$600.00} Credit card savings account with {$400.00} XXXX XXXX around XXXX I was in my home paying my bills.i had a knock at front door I was arrested from my home and taking to jail for XXXXdays.i was released XXXX XXXX. XX/XX/XXXX I'd gone to bank after my doctor 's appts for my XXXX. I was paying bills as the knock came my banking information was left in my living room. When I got to jail I called XXXX XXXX which was XXXX of XXXX child telling him what had happened and please get me out.i spoke with XXXX later that day and asked if he was getting me out. He told me he was working on it, also that be had gone by house and check make sure everything was locked up & XXXX. He got my cards in case I needed them.Next day he wasn't answering my calls anymore. I spoke to him on XXXX XXXX.ask what's up.he claimed he was working on it still.So I called my friend XXXX XXXX to call BB & T to let them know I didn't have my cards and was locked up & that my ex boyfriend had them and I didn't want him to be able to use.they told her without pswds and information there wasn't anything they could do. It was last time until XX/XX/XXXX when i spoke to XXXX again.I asked why he hadn't he gotten me out.he said he didn't know how.He was trying his best and not to give up on him. i had a free XXXX call each XXXXi always called him first Every once in a while he would answer. I XXXX would ask about my money and he would always tell me he hadn't touched it. That had everything put up for when I came home.after I was released on XX/XX/XXXX very next day I went to BB & T to get some money. I was informed account closed in XXXX XXXX of XXXX spoke with XXXX XXXX told her what happened, we started the process for fraud. Idid everything they asked of me. I recieved letters That a provional credit was deposited into my account and I could use them or had accessto my money. Id go to the branch and there would be informed otherwise.This happened 2x.ive never received any of my money to this day.it was every XXXX I had to my name.i put my money into the bank come home XXXX days later with nothing. Plus my car had been involved in crash.insurance company mailed my {$6800.00} something check while I was arrested and it was deposited and spent as well many days after I'd been aressted. Ive gone to the branch several times, called fraud dept.everything I could think of until I got sick XXXX XXXX my baby was born XXXX lived for XXXX.i was in hospital for a week. Then had to heal and accept the facts. So I started back couple months ago trying to open up or appeal the decision of fraud dept. They are saying I gave him permission to use my cards, I've told them that didnt. Never did I give him my pin or tell him to go to my home. Shortly after I came home in XXXX he was arrested on other charges but was also charged with this.XXXX XXXX personally took out charges on XXXX. While I was in jail on XX/XX/XXXX XXXX and XXXX more people were inside my home and neighbors called XXXX.XXXX got in touch with me and asked if I'd given anyone permission. I told him no.he found my bank information in a truck that XXXX was driving & he took it from him. He is charged XXXX XXXX XXXX. XXXX counts of obtaining property by false pretense and credit card fraud he is due to go to court XX/XX/XXXX I have included these documents. XXXX weeks ago I tried to follow up with the BB & T and they told me they can no longer speak with me they had notes at the bottom of the screen and I've been flagged bc I keep calling XXXX asking same question over and over. I keep asking why or how can they say I gave him permission.i didn't.They keep telling me I have to go after him..I think I've gone thru enough and just want my money back that I trusted in their hands.please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27893
Submitted Via: Web
Date Sent: 2022-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was involved in a multi-person, multi-business impersonation fraud scheme. The four individuals and three companies involved convinced me to pay for services to get my book published by XXXX XXXX. XXXX XXXX has indicated no affiliation or employment of any of the individuals involved ( this was a very sophisticated scheme ). I have filed with the FTC and FBI. BB & T ( now Truist ) was contacted 3 times by phone and once in-person. While the branch manager was extremely helpful, Truist has not moved forward with reversing the transfer between them and Evolve Bank & Trust ( letter sent to me on XX/XX/XXXX ). I am having trouble just getting someone at BB & T/Truist to help with the situation. Wire transfers were made on XX/XX/XXXX ( {$15000.00} ) and XXXX ( {$10000.00} ). The case number within Truist is XXXXXXXX. The FTC report number is XXXX. I have a copy of the FBI XXXX complaint referral form and the wire transfers. I have copies, contact information ( of the impersonators ) and documentation of everything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased a package of 15 Coolsculpting cycles from XXXX The total package was {$13000.00}. I paid {$3400.00} on XX/XX/2021 and I paid {$4000.00} on XX/XX/2021. I used 7 cycles, two of those cycles never properly attached to my skin and the tech noted that in my file. I tried to get a refund for the 8 remaining cycles and they refused to refund my money. Reflections response : XXXX, We have to pre-purchase the cycles, so they are non-refundable. I will be happy to get you scheduled for the remaining treatments at your convenience. Please let me know if you have any questions. Im not happy with the cycles that I received. 2 cycles which never attached to my skin which caused my abdomen to be uneven and it takes three months before you see results. On XX/XX/2021 I disputed the {$4000.00} charge from XX/XX/2021 and BB & T declined my requested because the disputed I submitted wasnt reviewed by someone in Fraud Protection by the deadline which put it over the deadline. I dont feel like its my fault as long as I disputed the charge prior to the deadline. Ive made several attempted to discuss this with BB & T and the issue still remains. There were a couple other charges I disputed around this time that were never resolved either. XXXX XXXX XXXX XXXX XXXX XXXX and to be honest, I didnt really think or have time to go over my bank statements. At the time I wasnt worried about bank transactions. But when I was able to go over my statements, there were a couple of issues, a charge for a hotel that I was charged twice for, totaling {$860.00} and another duplicate charge from a moving company totaling XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30161
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XXXX, My boyfriend, XXXX XXXX XXXXnd I contacted SunTrust Truist Bank about our Home Morgage Loan that was in default, we had both been out of work for well over 2 years due to the pandemic and couldn't pay our mortgage, however when I contacted the bank, they instructed me to go on their website and download their paper work for their home Preservation documents, however when I done that, they denied us any help, they informed me that they couldn't help us because they didn't have time to review our documents, but we had started sending them our paper work the first week of XXXX but they kept stringing me along telling me that they had lost the paper work or that I needed to add another form until finally they sent us a letter saying that they couldn't help us. I even contacted the XXXX XXXX and ask them for help and they denied me any help as well. I just don't understand where the funds are going to that our government sent to these Programs to help people who are struggling, yet the ones of us who are really struggling can't get any help. Long story short, we are going to be out of our home, with no where to go and no one to help us, when I have seen people with my own eyes that have received {$11000.00} from these programs and they don't even pay rent. And then the ones of us who need their help, they turn their heads the opposite way, is it something personal, is their something I missed? Perhaps I should have lied to them like the other people and maybe they would have helped me. I feel like the bank forclosed on XXXX illegally while we were trying to get help and being reviewed for eligibility, they violated their due diligence and the Duel Tracking Laws. Please help us
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27360
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I recently applied for a loan and the amount I applied for was reduced due to Suntrust Mortgage not updating my mortgage to closed and transferred to XXXX. Therefore, it appears that I had two mortgages instead of one. I contacted Suntrust mortgage today ( XX/XX/XXXX ) and was advised I had to wait for 30 days for the dispute process to be completed. I advised my information could be updated via XXXX with less time ( 72 hours ). The mortgage customer service agent ( XXXX ) and her manager ( XXXX ) reached out to the Credit Manager who denied this was possible and they do not have access to XXXX. I would expect small establishments not to have the service due to expense not a large corporations such as Suntrust/Truist . I felt it was dishonest for them to deny their access to this system and their unwillingness to escalate the issue since it was their negligence that impacted my loan negatively. My mortgage has been with XXXX bank since XX/XX/XXXX. I think that is more than enough time for a company to update a tradeline. If the a Credit Manager is not aware of XXXX and how it works that also presents a concern.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received an inquiry for work to be completed via email. I responded with an estimate and the client proceeded to fedex an official sun trust cashiers check. I received the sun trust cashier check XX/XX/XXXX. Upon receiving, I deposited the cashiers check of XXXX $ into my local branch and waited 2 days for the check to clear. Once the check cleared I proceeded to follow clients instruction and make payments to his material suppliers {$4900.00} under the assumption bb & t had verified the funds, which included {$2900.00} deposit into a scammers XXXX XXXX account and {$2000.00} into a Bb & t scammers account. On XX/XX/2021 the fraudulent sun trust cashiers check bounces and Bb & t takes my funds immediately rendering me scammed out of {$4900.00}. I have email and texts conversations, photos of fraudulent check and all who were involved. I had a feeling something wasnt right but was sure my bank would spot a fake before clearing the funds into my account especially after the SunTrust and Bb & t merge, I was wrong and payed the price dearly. I have banked with Bb & t for years and have been a loyal small business client. I thought they would have taken Atleast some responsibility on there lack of due diligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2022-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A