Date Received: 2021-11-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have received two pre-paid mail notices of overdraft from Truist Bank on one or two accounts that I do not own : 1. On XXXX an overdraft of {$4800.00} on account ending XXXX ; and 2. On XXXX an overdraft of {$3500.00} on account ending XXXX. I have no accounts with Truist Bank. I have called XXXX and put a one year freeze on my accounts, and I reviewed my credit report and it shows no accounts with Truist. I called the Truist Fraud Alert phone number and the person I spoke to said that I would have to go into a Truist Bank branch. Can you help clear up this issue which seems to be identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Also, this is to inform you that there is no third party involve in this process. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the unauthorized inquiry reporting on my Credit Report : REGIONAL ACC Date of inquiry XX/XX/2021
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19805
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was purchased by Suntrust Bank in XXXX. I was not given account information in time to make payments for XXXX. The previous bank took bi weekly pmts from my account since I was paid this way. Suntrust would accept my payments then return them after I was told the account would be current. In XXXX I sent 2 payments told it would bring me current then payments were returned. Then I sent XXXX payment in XXXX they were once again returned. Then In XXXX I sent 3 payments that were received on XXXX. I once again spoke to a rep and told them that I would sent another payment which was recieved on XXXX. I was told by the bank rep on XXXX that the account was not fine. Yesterday I received a check back for 1 payment. I am now on the phone with the bank and am being told they are now returning 3 payments back to me!! This is extremely frustrating they are ruining my credit. This is unfair that a bank would do this to a consumer that is trying to bring the account current. I feel they want me to foreclose on this property. I have asked the bank to put this is writting to me and they refuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11741
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I was trying to open an account with truist bank. And they denied my application, reson given was information given from consumer reporting agency. I don't know what could have happened. But I don't care I just want it fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2021-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a counter deposit in person at SunTrust branch of certified cashiers check from XXXX to be deposited into my named personal checking account ( in good standing no bounces, customer for 15 years ) on XX/XX/2021. The check was paid according to XXXX XXXX on the XXXX of XX/XX/2021. Suntrust held the funds until the XXXX of XXXX on the grounds that they have confidential information that the check may not be paid. I went in person to SunTrust on the XXXX of XXXX to inquire as to why my funds were held. XXXX XXXX, Vice President and branch manager of SunTrust XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX ( direct XXXX ) reported to me that the check had not yet been paid and the funds would post as soon as the check cleared. I then went in person to XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX and spoke with XXXX XXXX XXXX who provided that the check had already cleared on the XXXX of XXXX. I called and left a message for XXXX XXXX providing contact information for the XXXX representative and appraising her of my findings. At that point, I was contacted by email from XXXX informing that my case was being researched. On XXXX XXXX, XXXX XXXX returned my numerous attempts to contact her. She informed me that the funds would be held until the XXXX XXXX. She informed me that she was aware that the check was paid. She offered as a reason that the check was " a lot of money '' which is not a valid reason in 12CFR229 to hold funds. SunTrust acted in bad faith and provided no valid reason for holding funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32955
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: While banking at SunTrust bank It is as clear as light when you do business in XXXX communitys vs other communities you are treated very differently. This time I could not find a notary in XXXX areas after spending about four hours of driving around. The next business day I found a SunTrust in a XXXX community with a notary, and I went there and was treated like a villain at the XXXX XXXX SunTrust location. The security guard made me feel as those I was doing something wrong for coming in the bank also, they told me my letter was done wrong and I needed to go home and re- type it. ( I was refused serviced ) I went to the white side of town and had it notarized in seconds. I have a mortgage and checking account with this bank. Also, the XXXX XXXX location did not answer the phone until XXXX. You would think they are operating on CP time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: I applied for a loan at the bank, and specified their fixed line of credit. I told the bank personel several times and fixed and the amount. She did attempt several times to increase the amount, but I was very specific that it be fixed. I asked what do I get to pay the construction person. She said she could see if I get checks. I received the first payment with a variable charge and fee to change to fix although I went in and requested a loan for fix. I have requested the fee for variable be removed and she has refused, and states if closed before 3years I will be charged a fee. I am writing to find how to fix so I can have fees removed, or loan cancelled. Thank you 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: 32725
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Suntrust Bank XXXX XXXX is reporting inaccurately on my Credit Report,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34120
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I submitted a dispute in regards to two Address in NY on my XXXX Credit file. XXXX came back and said it remains and updated and that suntrust reported these addresses that is not mine.I Called Suntrust and they verified that they did not report this to XXXX of which this address on.I want this deleted because I have never lived in XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX it is listed on my report twice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have 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. I want an answer immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34714
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A