Date Received: 2021-11-29
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 The 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. REGIONAL ACC 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 XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75237
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I contacted BB & T about XXXX week ago around XX/XX/XXXX and again later that day regarding a payoff amount of our vehicle loan, I needed verification sent to me or my other lender showing what the payoff amount is, BB & T was not able to provide me with this information via email or fax, they only could verbally. No lender in history will accept anything verbally when applying for a loan they want to see PROOF which is totally understandable. I called BB & T again today XX/XX/2021 to pay off the loan in the amount of {$15000.00} they told me it would take approximately XXXX days to process, I then asked if they could send me an email showing that the loan was paid in full to me or my lender and they told me that they could not do that either. I have never ever heard of such a thing. This is MY loan and I make the payment every month. I should be able to request any type of information regarding MY loan account when needed. BB & T needs to change there policy regarding this matter along with hiring more employees to answer phones, I waited and hour each time I called for them to tell me I cant get what I need from MY loan account. Seriously the most ridiculous thing ever and I DO NOT recommend anyone to BB & T.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 588XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: At about XXXX on Sunday XX/XX/2021, I noticed multiple strange transactions on my BB & T app statement. These transactions showed XXXX XXXX as charging my account multiple times. Here are the specifics. XXXX {$1400.00} {$840.00} {$910.00} {$700.00} {$350.00} {$350.00} These showed as pending transactions. I immediately began calling the fraud department number provide thru the banking app. No answer or answering service. I then locked my account thru the app option. I called a couple of different numbers of XXXX & XXXX that I found online for customer service as well as the number on my debit card. No answer to any. Monday morning XX/XX/XXXX, my husband went to branch location in XXXX to inquire and report. I got in the phone 5o call customer support and inquire and report. I was told nothing could be done and I would have to wait until the charges cleared my account or dropped off in 5 days. They refused to let me make and official Unauthorized Transaction report. The same happened at the branch with my husband. I continued to call and attempt contact with fraud department or corporate supervisor for the rest of the day. I had to request a call from a supervisor, told u would be contacted in 24-48 hours. I never was contacted. I was told by customer service that I could contact the merchant myself and let them know my complaint to expedite the process or get them to reverse the charges. I did this. I called and emailed XXXX XXXX. Wednesday the XXXX, I received a response from XXXX informing they discovered the fraudulent charges and apology was given. The would not elaborate further. I have these emails. I forwarded them to my local branch. The response from the branch was that nothing could be done at this time even with this email proof of fraud. Was told to wait and call back daily to see if a fraud investigation could be started after the charges were posted and complete. The banker then advised that I could apply for a personal line if credit and if approved transfer that to my already compromised and locked out account. There is so much more. I have all records and correspondences. I did also contact XXXX XXXX and continued daily contacting BB & T aka Truist customer service. I have spent XXXX business days and half if Saturday on the phone and doing my own research online. I discovered CFPB and XXXX XXXX I also on Wednesday, XX/XX/XXXX had a written Unauthorized Transaction and demand letter physically delivered and handed to banker XXXX XXXX at XXXX, WV branch location. At the same time I sent the same letter by certified mail to the corporate BB & T offices. Finally I contacted the WV attorney general 's office as well as XXXX local news channels. I forwarded all of my emails and information about this to them this morning, XXXX. I should have also mentioned that XXXX XXXX XXXX did misrepresent a Liability Waiver to my husband, second on the account, staying that in order to claim or open fraud this document has to be signed. He contacted me and sent a picture of the document. I advised him not to sign anything. He then left. She later contacted him and asked for the document back. I have all dates,, times, phone logs and records. This situation has caused extreme hardship for us. The way we have been treated and the time we have spent has been completely exhausting and stressful. I have recently started selling my art and such. A very business out if my home. This has completely stopped that as well as caused orders to go unfifilled. I have had to return supplies order. Also had to stop payment on bills and ask for extensions on payment plans for work related software. My husband does home maintenance and remodel. He had to breech a contract and turn away work because this situation. We were left with nothing. They continue to take money from my returns that should have been bounced back because of my locked account. Charges from XXXX continued after My account was locked. Today I was able to speak wth someone in fraud at BB & T corporate, XXXX XXXX. He stated that he would look into the matter and would update me by Friday. He did give me a claim number. I forwarded to XXXX XXXX, all email correspondences related to this matter. I did record this conversation with XXXX XXXX. I waited on hold for XXXX hour and XXXX minutes before he took my call. I do not know if XXXX XXXX is going to do what he said and expedite my now accepted fraud claim or not. Im not sure what else can be done. But I hope that you will look at my proof and investigate the practices of this bank. According to what I have read about Regulation E, BB & T is in gross violation. I apologize if this writing is not through or beaten I am extremely stressed and have repeated this situation many times. Please call or email for more info or clarifications. We missed my XXXX birthday celebration in the XXXX as well as XXXX because no availability if our funds. The bank has changed dates and added fees as well as taken deposits. I am completely confused about the actual amount they now owe my account. I will have to get help looking through records to figure it all out. They have continuously mislead me and ignored my pleas for assistance with this. I do not feel confident that I will get my funds back. I will begin to seek legal help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 259XX
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021, I was at a grocery store attempting to pay for my groceries and my card kept declining. This was strange because I knew I had funds in the account. So I attempted to login to my online banking with Suntrust now Truist and it said my access was revoked and to contact customer service. So I called customer services & was advised my account was being closed. When I asked for the reason, I was advised that they can not provide a reason over the phone and that I would receive a letter in XXXX business days. Today is XX/XX/XXXX, XXXX I have contacted Suntrust every single day since XXXX XXXX and nobody has been able to assist me. I spoke to a customer service rep at XXXX on XXXX XXXX and they advised that my account closure process has been reset because I was charged {$3.00} for a paper statement fee? In the XXXX years I have banked with Suntrust, I have NEVER received a paper statement so why now??? Customer care left me on hold for over an hour just to hang up on me. So now its been an entire month and my account is not closed and they are holding {$33000.00} of my money and refusing to assist me. I have filed a complaint with the federal reserve and I will continue to take it as far as I need to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77449
Submitted Via: Web
Date Sent: 2021-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I disputed this information reporting a few different time this year pursuant to 15 USC 1681 ( A ) ( 2 ) a consumer report DOES NOT INCLUDE ANY Transactions or Experiences between the consumer and person making the report REGIONAL ACCEPTANCE is reporting Transactions and Experiences this is a violation of 15 USC 1681 Also REGIONAL ACCEPTANCE is in violation of XXXX XXXX XXXX ACT 15 USC 6802 ( 2 ) ( b )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01843
Submitted Via: Web
Date Sent: 2021-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-28
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-26
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Please investigate the legitimacy and operational integrity of both the BB & T Bank, XXXX XXXX XXXX XXXX, NC XXXX Tel. XXXX XXXX and its subsidiary " XXXX BANK, XXXX XXXX XXXX XXXX, NC XXXX regarding fraudulent account -- -- -- -- -- XXXX : XXXX. These entities failed to follow Authentication protocols regarding said account subsequent to accepting and approving an online " Business Value Checking Account '' application of a person ( s ) claiming to be myself. Please contact me if more information is needed. cc. FTC, US Postal Inspection Service. Wrt stated banking institutions. Attempted telephone resolutions to close the account have failed in part being consistently disconnected. Ambiguous assistance and follow thru reconciliation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
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 ( XXXX ) 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 XXXX and XXXX XXXX XXXX XXXX, 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 XXXX days and proper notification shall be given to all data furnishers pursuant to section XXXXb of The XXXX Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by XXXX 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 XXXX ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section XXXX of the XXXX XXXX : SECXXXX. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section XXXX ( a ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( XXXX U.S.C XXXX XXXX ( a ) ( XXXX ) is amended ( XXXX ) 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 ( XXXX ) 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 XXXX ( XXXX U.S.C XXXX ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( XXXX ) 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 ( XXXX ), before the end of the XXXX-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. XXXX. REGIONAL XXXX & {$14000.00} 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 XXXXc ( XXXX ) Block of information resulting from identity theft. XXXXBlock. 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 XXXX ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed XXXX ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) 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 I tems FTC Notice to Furnishers CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Iowa XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021, I was contacted by an anonymous woman on XXXX claiming to be a sugar momma and was willing to pay me {$400.00} a week while sending a remaining {$2100.00} to her child and grandmother. On XX/XX/2021, I received a check for {$3000.00} dollars through email from this anonymous woman. I then made a mobile deposit using the check into my account. I then did a XXXX search on this scenario and found out that it was in fact a scam and that I was at risk of going to jail for fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28562
Submitted Via: Web
Date Sent: 2021-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A