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 ( 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. TRUISTXXXX & {$4800.00} 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 I tems FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
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: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX made several false and misrepresenting information. Stated once I pay the debt it would be marked as paid and closed and after about 30 days would be marked for deletion. However, this is not correct. They also say once they update it, it's up to the credit reporting agency to update it. After reaching out to several of them via XXXX and CFPB, it was clearly noted that once the data is received it is immediately processed and updated. Please refer to the complaint XXXX which clearly stated such from XXXX, XXXX, and XXXX. Also, I am providing a copy to show that not only did they lie and be deceptive, they intentionally did so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
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: Trouble during payment process
Subissue:
Consumer Complaint: I bought my property located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX back in XXXX of 2020. When I originally bought my home, I put down close to 15 % down and was required to obtained mortgage insurance due to mortgage regulations which I obtained. After 6 months I noticed that I had much more than 20 % equity and I submitted multiple request in writing to my current loan servicing company and the continue to deny my requests every single time. I was able to research mortgage guidelines directly with XXXX XXXX and XXXX XXXX and was able to find that I had the right to remove my mortgage insurance when I could prove I had more than 20 % equity which I have tried to prove, but my mortgage servicer wont let me prove. I want to be able to remove my MI and this company uses abusive tactics from prevent me from doing so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91913
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: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: on XX/XX/XXXX purchased a XXXX honda civic the first thing i told the sales lady i had to have these things in order to buy from them XXXX trade in my fianc XXXX XXXX platinum for pay off on it. XXXX no money down. XXXX sales taxes and tag fees paid.4th payments as close to XXXX they agreed to do all was also told sales price was XXXX $ and was told that they would drop it a XXXX to make it XXXX $ not XXXX $ I also had a loan approval from XXXX XXXX the car lot sent them a different amount than what it was approved for already so therefore they denied me the loan i didnt have the contract went over with us to fully understand all of it didnt get a contract after purchase of the vehicle there was no as is warranty sticker in window i didnt even get the contract until my fianc went to see if theyd try and fix they lied said theyd do what could and contact her never did I was the initial buyer but they made her the i buyer cause her credit was little higher thats when we told them multiple times that she didnt work since XX/XX/XXXX has been off due to injury they asked her what she made when was working full time then XXXX days later when she went to get them to do what they told they would is when got contract it had the as is warranty on printed paper and it had her information at her old job making XXXX $ a month and she dont work had nothing on me or my job or income the sal lady also contacted the water department and asked them to put my name on it as well as the electric company without permission i feel like i was set up for failure because im the only one with income i feel tike i was took advantage of and misslead into the deal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72956
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: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX I closed my IRA with Suntrust because they don't have any branches in XXXX XXXX. As a result, I was apparently sent a check of {$200.00} issued by Suntrust XXXX, with the instrument number XXXX -- but I never received it despite regularly receiving multiple types of correspondence from Suntrust before and after closing the IRA. XX/XX/XXXX I reached out to Suntrust regarding the {$200.00} check that I never received. Both persons with whom I spoke informed me that I would have to fill out a form and have it notarized : a " Lost, Stolen or Destroyed Official Check Or Similar Instrument XXXX XXXX and XXXX of Loss. '' XX/XX/XXXX I realized I would have to pay a notary {$65.00} to receive back my {$200.00}. Notaries weren't working in offices due to the pandemic, so there was a {$35.00} house call fee. Yet Suntrust mailed me the XXXX XXXX form just fine and I still hadn't seen my check in the mail. Furthermore, to spend {$65.00} meant I was being fined for the bank 's loss of my check. And there was no guarantee that spending the money would actually ensure receipt of a second check. It was a quandary. XX/XX/XXXX I recently learned about the CFPB handling a case similar to this one -- with success! So, now I would like to obtain the {$200.00} from Suntrust that is rightfully due to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91364
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed a police report and FTC report back in XX/XX/2021 for Identity Theft and submitted it to XXXX and they refused to remove this Item in the amount of {$16000.00}. The account was recently updated on XX/XX/2021 which is innacurate. I also challenged the company Regional Acceptance and they never responded. I dont know where this debt came from. I have always paid my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29501
Submitted Via: Web
Date Sent: 2021-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: On XX/XX/XXXXXXXX, BB & T and SunTrust announced that they would be merging ( see attachment XXXX ). Around XXXX of XXXX Truist effected that merger by combining its BB & T website and Suntrust website into a single Truist website. Almost immediately, Truist customers had difficulties logging into their accounts ( see attachments 2 and 3 ). That's where I come in. I don't use my Truist credit card much anymore, so I was unaware that an old subscription ( some Mac-cleaning software ) charged my credit card for a yearly subscription. Because of the technological problems, I could not log in to my account and was unaware of the charge. I received no emails to any active email, and no letters. I did receive a call from BB & T, but the line immediately went dead after answering it. I called Truist to investigate, but was placed on hold for hours and was repeatedly hung up on. See attachment 4 for proof of the one ( of many ) times I called, only to be out on hold for hours. I was diligent in trying to resolve the issue, but Truist 's malfunctioning software and poor customer service made checking my statements impossible. Fast forward to XX/XX/XXXX. I receive notice from a credit reporting agency that my credit score has dropped roughly 70 points due to a payment that is 30 days overdue. I again attempted to contact Truist, again to no avail. After several hours with more tech-savvy friends, I was able to access my account ( via app -- the website still would not let me in ). I paid off the account, and contacted Truist to see if they would correct the issue with the credit reporting agency. After over 3 hours on hold, and several dropped calls, I was informed that they would not. The harm to my credit score has caused me injury in fact. I plan to buy a home this year, and Truist 's negligence may be the proximate cause of me being denied for a mortgage or paying a higher interest rate. I plan to pursue this matter in the courts once damages accrue, assuming that Truist does not remedy it. I was diligent in contacting Truist, but was unable to perform the simplest of tasks because of their oversights in the merger. My spotless history of payments, over 8+ years, is now ruined. I hope potential customers read this and know to avoid Truist until they ( 1 ) fix their software and ( 2 ) remedy the harms to credit to loyal customers like myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57105
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX2021, I walk into the XXXX XXXX SunTrust XXXX. I was down the street from my attorney office. I had just received a settlement check. Since the check was a SunTrust check and I am a SunTrust customer I did not see an issue. I deposit half in my checking part in my savings and received about 2k cash back. Friday afternoon the following day I went to the SunTrust drive thru and cash my payroll check. The bank did not alert any issues or problems. Later that evening I went to use my debit card and was told it was on hold for fraud. When had I asked why? I was told when I deposited my check at the XXXX XXXX, SunTrust XXXX the teller put a fraud alert on my account and I needed to go to a branch location. I went to the XXXX location, and they could not tell me what was going on they stated that they would issue me a new card. I was still able to pay bills and I was able to conduct business as usual. Tuesday XX/XX/XXXX I try to login to my account, and it states it is inactive. I again go to the branch they now say my account is being closed because the check I deposit is now considered fraud. I contacted my attorney office they stated SunTrust never spoke to them and stated they do not have contact information for the back-office research team that is handling the issue. They do not know when the funds will return to me or when they will return the funds to my attorney bank account. They offer no resolve, and they were asked if it seemed unusual for a check to be deposit why didn't they contact the account holder they said that's not their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, XXXX to XXXX i had my mortgage in forbearance for XXXX mos and was approved by Suntrust Mortgage XXXX I called Suntrust XX/XX/21 to discuss my options and i choose payment deferral, received a letter stating that my request is being processed and i shall receive in the mail specific documents in XXXX days to sign and return according to instructions. I called Suntrust XX/XX/21 to follow up on these documents and was told again that is being processed and to wait and follow up if i didn't receive it. I called again Suntrust on XX/XX/21 to followup on the documents and this time i was told that i need to pay XXXX $ in order to receive these documents, the rep was not helpful was rude and aggressive, also said that the Suntrust doesn't send documentation to inform me of these " new changes '' they started a month ago. I strongly believe they are playing games and want to put my house in foreclosure. I did everything i was told and i followed up with phone calls regularly and i made payments until XX/XX/21 towards my escrow. I believe either Suntrust reps are incompetent or given directives to be nasty and recover as much money upfront. One certain thing is clear Suntrust is not helping me with this situation and no fault on my part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
Submitted Via: Web
Date Sent: 2021-11-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone opened an account in My maiden name and used an address I have not lived at in over 3 years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A