Date Received: 2021-11-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: Car was repossessed on XX/XX/XXXX without notification and not from my home. The payment was made on XX/XX/XXXX to reclaim the vehicle in the amount of {$2800.00} and I was told I would be able to pick up the vehicle on the same day. Called to schedule to pick up the vehicle and there are no " appointments '' for today and I have to pick the car up tomorrow and pay an additional day of storage totally 5 days @ {$30.00} vs 4 days @ {$30.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: SunTrust Fraud Department XXXX Ext XXXX, From : XXXX XXXX, XXXX XXXX To : XXXX XXXX XXXX Sent : Tuesday, XX/XX/2021, XXXX XXXX EST Subject : RE : Affidavit for SunTrust Thank you for the signed affidavit. The bank of first deposit will also need proof of alteration in order to process you claim. ** When emailing the affidavit back PLEASE include proof of alteration, which can include any of the following : Carbon copy of check, scanned image of check before alterations, invoice, bill, or any other supporting documents. ** Your claim will not be submitted without proof of alterations, no exceptions** This was the email sent to me by the Fraud Department at SunTrust , XXXX XXXX wants burden of proof of the fraudulent withdrawal of my checking account from any unknown subject who stole my check from the mail, white washed the check and filled in the amount of XXXX, causing financial destruction and employment not only for myself but for my son. I have now been fighting SunTrust to get my money back, which I might add was a loan to move for employment, now I am responsible for the payback and interest of this loan. Now my son lost his job, I lost my interviews, could not move, am devastated financial because they also deposited my Social Security check in the old account even though they said to come to bank and they would transfer to new account, when I got there they said they did not know to transfer. Talk about criminal activity this is an inside job, from XXXX XXXX and SunTrust, not to mention the US Postal Service, must be a gang. Now I have the burden of proof that I took out a loan to move and not wrote the check to someone I don't know and for what? This is criminal and someone needs to be pay, I have suffered.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20902
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My business checking and money market were closed by BB & T bank, now Truist, and the local branch and customer service are not able to tell me if my account balance will be paid out to me. It is just over {$53000.00} and the account was closed on XX/XX/XXXX. I still have not been told WHY my account was closed. They are not legally required to explain that to me. It is illegal for them to hold my funds. In addition, my online access has been revoked and I can not access account statements for the last several months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I purchased my home XX/XX/XXXX and financed through XXXX XXXX with a conventional loan. 30 yr fixed loan with 2.75 interest rate. Over the last yr they have been converted to Truist Bank. In XX/XX/XXXX I called in to get some advice and assistance with my mortgage payments because I was behind 2 payments around XXXX and had heard about banks helping with covid relief. I explain that my husband and I where still working however my husband was working more hours and making less money and where having a hardship. We had all our XXXX children living with us at the time. XXXX over the age of XXXX and XXXX under. And to please advise what programs where we eligible for. We talked about several different options. Forbearance, Which would put the owed amount to the end of the loan and loan modification which I stated I did not want a modification are the two I remember. Go back and forth talking with several different reps all telling something different which are noted in their notes the whole thing was very confusion. I also don't think that the reps where knowledgeable about there products and services. Right after that I excepted a 6 mo. forbearance and at the end, I paid the 6mo owed in full around the amount of XXXX. In XX/XX/XXXX I entered in to another forbearance that ends in XX/XX/XXXX. I called in to review my forbearance and pay off options. the Rep began to review my loan and informed me that in XX/XX/XXXX I accepted a modification that saved me XXXX a mo. bringing my payment from XXXX to XXXX mo. by extending my maturity date to XXXX and increased my interest rate to XXXX. I'm completely at loss, I would never accepted those terms had I completely understood. to save an immediate payment for XXXX in exchange for adding over XXXX dollars to my loan at least and doubling my interest rate. As a Financial institution they are required to not only do what is in the best interest for the company but also the customer. I believe with this being a conventional loan they did what was in the best interest of the company and there is no one they have to get approve with or answer to but the bank. This is an unfair practice and unethical and unfair to me the consumer. If this was a FHA loan they would have to adhere by so type of Federal guidelines. They have validated the unfair trade practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 216XX
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have no problem with our ability to pay our mortgage and had everything set up for recurring, automatic payments. Suntrust recently took over our mortgage- the fourth transfer in about 6 months. So we had to set up everything all over again. There were many hiccups in the beginning and we got communications from them explaining that they were also merging with another bank and they took responsibility for the problem. Now they continue to have problems, they gave us no phone call, no email, no letter indicating any trouble until we suddenly got a letter indicating our loan is in default. We had to wait for an hour on the phone after being knocked out of the call twice when the system seems to have randomly kicked us out. We have finally been able to make the payment but they still did not set up the recurring payment. We are now waiting on the phone for a fourth department as they try to find someone to help do that. We did not choose this company, we would never choose this company. Why is mortgage transfer allowed without minimum commitment?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-09
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: I recently received a copy of my XXXX report and I noticed some account on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : Suntrust {$570.00} The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act " 15 USC 1681 a 2 b '' ( See below ) Exclusions Except as provided in paragraph 3, the term consumer report does not include any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. The credit issuer or debtor has not issued a 1099C " cancellation of debt '' tax form since the alleged debt has been written off and therefore considered as income for the issuing company. I have not received a 1099C tax form. Since the debt is considered income for tax purposes on the companies end, the debt can not be listed on my consumer report according to the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: 1. The account holder banked with BB & T. 2. The account holder was deemed to be unable to manage her property in a legal proceeding for the appointment of a guardian of property and of her person. 3. BB & T accepted the Court Order appointing the guardian and the guardian began managing the account and paying the ward 's bills. 4. SunTrust and BB & T merge and become Truist. 5. Truist 's On-line banking system will not permit on-line bill pay access for the account. 6. The XXXX calls Truist Customer Service seeking a resolution and gets sequentially referred to someone who will handle the inquiry. 7. Truist personnel advise that it is the bank 's " policy '' not to let a guardian access bill pay features of its on-line services. 8. It is pointed out that a guardian is the legal equivalent of the account holder and can transact all business, from closing and account to paying bills. 9. Bank personnel advise without explanation that it is simply the " policy '' of the bank that he can not do so electronically, and that the guardian has to use written checks to pay bills 10. This makes no sense to the XXXX, since, for example, he can clearly close the account, he asks who is responsible for establishing this " policy. '' 11. Bank personnel avoids the questions, refuses to respond and advises in effect that the policy is the policy. 12. Bank personnel suggest that the guardian change the nature of his relationship to the account in its records, which, it is pointed out, would be improper since he is court appointed, and doing so would be a misrepresentation and misconduct by the guardian. 13. A request to speak to a superior is denied. 14. A request for contact information for the source of the " policy, '' is not only denied by Bank personnel, but the existence of such a place is denied. ( Which has to be an outright false statement, i.e. a lie. ) 15. No explanation is given, and even the means to request an explanation or to suggest a change in the " policy '' is denied.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21403
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our mortgage was transferred to SunTrust for servicing from XXXX XXXX. SunTrust continues to withhold far too much money in escrow for what we actually owe AND is applying tax payments to the City of XXXX that we do not owe. I called SunTrust multiple times to confirm this wouldnt happen, they messed up, and when I called asking for a fix was promised a solution by XXXX - which has not happened. A summary of details is below : This mortgage is for a condo- we are having taxes withheld in escrow at the rate that would apply if we owned the entire condo building ( we do not, we only own one unit ). Despite SunTrust having documetnation showing the overall lien for the building, our ownership % AND the fact that the entire condo building is being taxed as one parcel until XX/XX/- they are still wanting 100 's of dollars a month unnecessary for escrow. Additionally- SunTrust has decided ( for some reason ) to PAY the city of XXXX the taxes owed for the entire building. Again, despite seeing that we live in XXXX XXXX and the tax parcel is for the entire building- randomly decided to pay the city taxes for the whole building. We are not responsible for these taxes until the building is reassessed and parcelled out which will apply effectiveXX/XX/XXXX. Additionally- for some reason SunTrust randomly applied one of our principal + interest payments to the escrow account - which makes zero sense to us. Three things need to be fixed here : 1. they need to withhold taxes at the correct rate as per the documentation they have. 2. they need to reimburse us for the payment they randomly made to the City of XXXX which are taxes we are straight up not liable for. They've basically taken money out of our account to pay someone else 's tax bill off. 3. they need to go back - apply our payment correctly to P+I and recalculate our amortization schedule. 4. they need to block all payments to the city of XXXX until they see a tax bill for the parcel SPECIFIC to our XXXX XXXX - not the entire building.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02128
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I purchased a XXXX XXXX XXXX from Regional acceptance for {$17000.00} in XXXX. I have not been behind on any payments. The car was towed from my apartment complex due to not having a parking permit. The tow truck driver wanted {$2000.00} dollars to get the car out due for sitting for a few weeks in XXXX of XXXX. Regional Acceptance found out and took the car from the tow truck driver. They now have placed a repossession on my credit report and sent in a letter stating they are going to sell the car. I am not behind on any of my payments and have not defaulted on the loan. Yet they are selling the car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28212
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2021 ( 1 ) SunTrust Bank XXXX LightStream pulled my credit for no reason, and I've never contacted, nor ever conducted business with this company and never authorized them to pull my credit. On XX/XX/2021 two other companies ( XXXX ) XXXX XXXX and ( XXXX ) XXXX XXXX also pulled hard inquires. I never provided any of these XXXX companies permission to pull my credit. After noticing these unauthorized credit pulls, I immediately locked my credit report with XXXX XXXX and XXXX. I also contacted SunTrust/Light Stream and XXXX XXXX both stated that I would need to contact the credit bureaus and dispute it with them. There was no phone number or contact information on my credit report for XXXX XXXX. When I called XXXX XXXX to dispute these inquiry 's they said to ( a ) obtain a copy of my Federal Trade Commission Report ( which directed me to this website for CFPB, ( b ) and mail them a letter stating what happened. Please contact these companies and realize I never spoke to them directly, nor online, nor provided my info, nor gave permission to pull my credit for any reason, and please REMOVE those XXXX unauthorized hard credit inquiries from my credit report. I understand some companies may use other names of companies when seeking financing, but I don't need more credit at this time and the last time I authorized my credit was to purchase a house a few months ago and then was going to finance a bed that I just paid cash for. Those last three credit pulls were not authorized by me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49519
Submitted Via: Web
Date Sent: 2021-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A