Date Received: 2022-01-02
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XXXX I was XXXX, financially uninformed and at my local Suntrust Bank opening my first bank account. My father XXXX XXXX accompanied me. I was opening an INDIVIDUAL account, Debit only. I was in no way shape or form applying for an account that anyone else had access too. Despite being told I was receiving the type of account i sought, Suntrust banker XXXX XXXX actually Opened an account I still am unfamiliar with and submitted the cooresponding documentation not authorized by me. It is called an Electronic Signature Access Card As a result, my father, who accompanied me that day has been accessing my account at suntrust to withdrawal and deposit however he pleases, he was issued his very own card for my account, ordered checks on my account and most recently opened a line of credit for my account on XX/XX/XXXX and XX/XX/XXXX I have lost over XXXX because of this, and my statements did NOT reflect this prior XX/XX/XXXX. On that day the lines of credit, and accounts held jointly ( without consent or knowledge ) BY XXXX XXXX closed onto my personal acccount. With that 5 years of transactions formerly withheld posted as pending to my account, bankrupting me. Transactions Ranging from fast food to airline tickets, ATM withdrawals, XXXX withdrawals, LOTS of XXXX and XXXX XXXX transactions. the type was indiscriminate. It is my belief tat suntrust bank and their tellers open lines of credit for certain consumers and use these lines of credit to their hearts content until finally, they close them as charge off- leaving the consumer helpless as the transactions far surpass the timeframe in which they can be reported. That AND Suntrust 's ID theft policy. They honor and reimburse the first instance of " fraudulent transactions '' but they offer no contractual obligation to honor and reimburse any more. This all happened after I disputed my XXXX transaction in 8 years, totaling less than {$200.00}, reimbursed. XXXX month later, the situation I am complaining against commenced. Over XXXX in transactions spanning my XXXX relationship with suntrust. XX/XX/XXXX hard inquiry posted to my credit report by suntrust that i did not consent to. I disputed all of this, but since " some were debit and some were credit '' transactions, Suntrust, teller XXXX XXXX Denied my dispute. My Tax return for tax yr XXXX, XXXX, and EIPs were among the transactions that did not reflect as paid prior to XX/XX/XXXX. Once they posted to my account, they were immediately drained by the other pending transactions. XXXX XXXX XXXX ( XXXX XXXX XXXX TN ) and XXXX XXXX ( XXXX TN ) BOTH flat out deny the existence of this line of credit, going as far as to say no inquiry ever existed. I suspect there is a POD on my account for my recently deceased sister ( unsolved hit and run ) as i briefly saw " POD '' on the screen of teller XXXX. I asked, he quickly changed the screen and denied it. There was ALSO a line of credit opened for my late sister XX/XX/XXXX, 5 months before the accident. XX/XX/XXXX her account was " hacked '' and she too, was left without acccess to her money. They robbed her, and the ONLY reason she was on the interstate that night was because she had resorted to working odd jobs to make ends meet. she was driving XXXX miles to clean a family members house, despite having over {$500.00} in the bank, she too hadnt received her tax return or stimulus, there fore she was in dire need of FOOD. I have documentation that supports all of this as well as recorded interactions to supplement. One of the last things she said was about her bare cabinets, and how she hated visiting the family member in chattanooge who offered to pay her for her services, our father and lifelong abuser, XXXX XXXX. The same man who robbed me. I blame Suntrust Bank, and XXXX XXXX for her passing. I assign them responsibility for her having been on the interstate so late and not at home with me getting ready for school. She would have been alive if it hadnt been for this unfair, deceptive and criminal behavior shown by suntrust bank, XXXX XXXX, XXXX XXXX and XXXX XXXX. They are responsible and i can only pray they will have to hold accountability for a fraction of what they deserve. Please help me. please help my sister. XXXX and XXXX XXXX XXXX I have not covered my personal info from the documents so i will not be uploading files just yet, i can be contacted by email and i will provide these documents and video/voice recordings.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37379
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: TRUISTXXXX ; LOCATED : XXXX XXXX XXXX, XXXX, GA XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$3900.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15205
Submitted Via: Web
Date Sent: 2022-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A charge of XXXX from XXXX XXXX # XXXX Was found on my debit checking account I have not made a purchase through XXXX XXXX My name is XXXX XXXX XXXX My checking account number isXXXX I have been trying to contact the Fraud departments I have been placed on hold over 1 hour I have locked my debit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: To whom it may concern, Thanks in advance for your help with this. I have a mortgage with SunTrust Bank and have entered the Covid-19 forbearance program in XXXX of XXXX. In XXXX of XXXX I've inquired about the possibilities of exiting forbearance and it was recommended to me to do an application for a loan modification. I received the paperwork for my loan modification midXXXX and e-mailed it back within 2 days of receiving it. A few days later I spoke to a representative that made me aware of a missing document, which I then submitted on XX/XX/XXXX via email. On XX/XX/XXXX a representative confirmed with me via phone call that they've received everything they needed and were processing my application. A few weeks later a representative told me that they would extend my forbearance to give the application a little more time to be processed. Since then I've been following up every 2 weeks with them via phone and have been repeatedly told to just wait and that the application is still processing. I still haven't received any paperwork outlining my trial payments or any other details regarding my loan modification. My most recent phone call with them was on XX/XX/XXXX and the representative reached out to the processing department via email to try to speed things up. Any help with this would be really appreciated and I would be very grateful if this whole process could come to an end at some point soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91601
Submitted Via: Web
Date Sent: 2021-12-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-31
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I borrowed money against my home in a refinance to pay-off credit cards and loans. Sun Trust Bank XXXX LightStream was the bank I borrowed from, and the loan was secured my XXXX XXXX XXXX XXXX XXXX van. The original promissory note was drafted and signed on XX/XX/XXXX for $ XXXX 4.54 % for 60 months. Payments of {$260.00} were set up as an auto draft on the 28th of each month, with the first payment drafting on XX/XX/XXXX. No penalty for early pay off on this simple interest loan. The finance charge was to total {$1600.00}. During Covid-19, I received payments deferred for several months and there was to no penalties for this service. 9 months of Payments from XXXX were deferred that totaled in {$420.00} of interest accumulated from this deferral. This amount was remunerated by the XX/XX/XXXX payment in the amount of {$260.00} and on the XX/XX/XXXX payment in the amount of {$160.00}. ( Please see loan amortization document ) I asked for original amortization and did not receive it. This issue of interest is not my complaint. On XX/XX/XXXX, I printed out an invoice from the LightStream web site, that they provide to final figure for payoff, to print out. The invoice reads a payoff amount of {$7500.00}, and a copy of the invoice was attached to the check. I sent a check for {$7700.00} ( the check was drafted from XXXX XXXX, my title company that was utilized for my refinance closing ) on XX/XX/XXXX. The amount of {$7700.00} posted on my LightStream ledger on XX/XX/XXXX for some reason leaving me a balance of {$24.00}. Therefore, my interpretation of that document ( The Invoice ) is drastically different than whoever did the accounts receivable and evidently didn't look at ( The Invoice ) stapled to the check. Anytime within my life, personal or professional, a Payoff Amount means just that... no translation needed. Valid through date of XX/XX/XXXX was clearly stated on the invoice as well. They processed the check and posted in on the XXXX of XX/XX/XXXX. The system still processed another payment 4 days later, because someone did not honor LightStream 's own invoice and computer calculations and left the {$24.00} balance. Incidentally the balance is stated as the interest. I am essentially paying the loan approximately 20 months early. I did reach out to LightStream for some explanation and spoke with 3 individuals, one identified herself as being a supervisor. Not one of them would honor my request that they have their accountant reassess the figures. It makes no sense. They feel the auto debit was accurate and {$260.00} minus the {$24.00} equals a refund of {$230.00}. Apparently, their own invoice is disregarded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46143
Submitted Via: Web
Date Sent: 2022-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Basically, a debt resolution company was able to negotiate a debt repayment to the following company : XXXX XXXX XXXX For XXXX XXXX XXXX The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. For Truist Bank ( BB & T ) : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Truist Bank/BB & T was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Basically, a debt resolution company was able to negotiate a debt repayment to the following company : XXXX XXXX XXXX For XXXX XXXXXXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for XXXX XXXX was {$440.00}, and they have not updated or deleted the account at the three credit bureaus. The information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for the settled amount {$440.00} and a payment had to be received by XX/XX/2021. Four separate payments were sent, totaling {$440.00}, via my settlement representative/attorney, XXXX XXXX XXXX XXXX Payment was submitted via XXXX XXXX XXXX. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. For Truist Bank ( BB & T ) : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The credit card settlement amount for Truist Bank/BB & T was {$2300.00}. They have not updated or deleted the account at the three credit bureaus. All information is inaccurate, as this account was settled, via the XXXX XXXX XXXX. An agreement, dated XX/XX/2021, was negotiated for 50 % of the total due ; the settled amount accepted by your debt/account representative was {$2300.00} to be paid by XX/XX/2021. An ACH payment totally {$2300.00} was sent to your account representative on XX/XX/2021. Please be advised I have a copy of the settlement agreement documentation from my attorney at XXXX XXXX XXXX. Payment was submitted via XXXX XXXX XXXX. Also included in the terms of the agreement is the account would be marked settled. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response. For XXXX XXXX XXXX : The credit card debt with this company is still showing a balance owed, even though the debt was negotiated and settled/paid. The balance on my credit reports is showing {$1700.00}, but at the time of settlement negotiation, the balance was only {$610.00}, and an agreement was reached to settle the account for {$330.00}. An ACH payment was submitted totally {$330.00}. Here is the payment information : Payment ID # XXXX ; Trace # XXXX ; Amount {$330.00}. Payment was submitted via XXXX XXXX XXXX. I have sent a certified letter requesting they correct the accounts on my credit reports. I requesting the corresponding accounts be deleted from my credit reports. I have not received a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: ( check processed twice ) Check # XXXX dated XX/XX/XXXX for {$300.00} that was previously processed and paid out XX/XX/XXXX was withdrawn from my checking account again on XX/XX/XXXX. The act caused the account to go negative and three {$36.00} overdraft fees were charged to the account. I notified my local branch, customer service and filed a dispute/claim as soon as I identified the issue ( XX/XX/XXXX & XX/XX/XXXX ). The check image ( front/back ) shows it was processed in XXXX. The same transaction shows up in both my XXXX and XXXX bank statements. The bank acknowledges that the check cleared years ago, and again this year which is an odd scenario. While I thought the issue was being resolved, to my surprise my bank has not even started an investigation into the matter. A few days ago I received an affidavit of fraud form from the bank requiring a sign and notarized statement ; unfortunately, neither of the scenarios detailed on the form match what took place. Although, the bank agrees the check was processed twice which appears to be a bank error the issue has yet to be resolved. The account is my primary checking account, not being able to access it has disrupted my everyday activities ( i.e. bill payments, direct deposit, etc ). I have all evidence detailing the error : XXXX bank statement, transaction detail, check image ( front and back )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28215
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Hello, In early XX/XX/XXXX I contacted Suntrust customer support in order to close my checking and savings accounts. This request was submitted via their online customer support chat portal, and my savings account was subsequently closed. I noticed on XX/XX/XXXX that a XXXX XXXX Monthly Maintenance fee was assessed to my still open checking account. I once again contacted Suntrust customer support in late XXXX via secure messaging on my account and requested this fee be reversed, and provided once again written instructions to close my checking account. On XX/XX/XXXX the XXXX XXXX Monthly Maintenance fee was refunded to me. Suntrust, however, did not close my checking account. Another monthly maintenance fee was assesed on XX/XX/XXXX to bring my account balance to - {$17.00}. I contacted Suntrust via phone on XX/XX/XXXX for the third ( 3 ) time to have them process the closure of my account. The customer support representative informed me that I would need to deposit into my account to bring the balance to {$0.00} before it could be closed. I informed the Suntrust representative of my repeated attempts to close the account, as well as the prior maintenance fee refund. I explained that I should not need to deposit money to rectify an issue- the account remaining open for well after i repeatedly requested its closure - that was entirely due to Suntrust 's refusal to close my account per my instructions. I informed the representative that I would be filing a CFPB complaint to rectify the issue. I am requesting the CFPB instruct Suntrust to close my account and reverse any of the maintenance fees assessed to my account after my repeated attempts to close the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/XXXX and XX/XX/XXXX I completed a mortgage application on the Truist website. At the time I had until XX/XX/XXXX to check my credit for a mortgage without any additional penalties. On XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX Originator/ Truist pulled my credit for a mortgage, 12 days after my request. I have called several times and sent several emails requesting that they report the error to the credit bureaus and my request have been ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2021-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A