Date Received: 2021-11-05
Issue: Managing the loan or lease
Subissue: Problem with fees charged
Consumer Complaint: On XX/XX/2021 I submitted my monthly car loan payment, due on XX/XX/XXXX. Several days later, I realized that the money had not left my account. I logged into my account and noted that my XX/XX/21 payment had been reversed and I was charged a {$50.00} fee. I never received email notice of this. I chatted with an online representative who informed me that the account number I had entered was missing a number and that the fee could not be removed until I my payment was posted. That day, XX/XX/2021, I submitted payment in full minus the late fee. The following Monday, I logged on to see if the payment had posted and it had. I chatted with another representative who informed me that this was not a late fee, but an annual fee. A few days later I received notification in the mail that I had been charged a {$50.00} fee for " return payment fee. '' The notice notes that " a payment posted to your account has been returned by your bank '' On XX/XX/XXXX, I called Truist Bank and the representative told me that the fee could not be reversed because my payment had been returned. This is inaccurate. I inadvertently entered the wrong account number therefore, no payment was returned by my bank as the account number was incorrect - there was no bank tied to the account number entered. I should not have to pay a {$50.00} fee for a payment that was ( 1 ) not returned by a bank and ( 2 ) was paid well in advance of the due date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regional XXXX is violating bankruptcy law by reporting a debt on our credit files that was included in bankruptcy and continue to report monthly as delinquent debt. This illegal reporting has caused us harm and we will sue for violation of Bankruptcy and FCRA laws. This is a joint loan- XXXX and XXXX XXXX XXXX attachments included to prove. Filed complaint on the 1st and creditor sent back without researching and just said no account. As you can see we had an account, it is continuing to be reported. I will sue for {$10000.00} in damages.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46038
Submitted Via: Web
Date Sent: 2021-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount Social Security Admin XX/XX/XXXX {$32000.00} XXXX XXXX XX/XX/XXXX {$140.00} Hard Inquiries XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} XXXX XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX Suntrust DBA Lightstream XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24017
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 I received a pre-qualification email from BB & T. I followed the link to their website and entered my information. It showed I was pre-qualified for 3 different credit cards. It gave an exact interest rate. I decided to go to the branch in XXXX XXXX XXXX, Texas and apply in person with a banker. I applied with a Banker named XXXX XXXX. I was given an instant approval for a credit line of {$3500.00} and a purchase rate of 19.24 %. I was provided some paperwork. One of the forms from BB & T showed my XXXX Credit Report was pulled that day with a score of XXXX. I received the credit card in the mail about 2 weeks later. I activated it and set up the Truist app ( BB & T changed its name to Truist ). I noticed my available credit was {$0.00} and the {$3000.00} balance transfer I submitted was listed as being declined. I called customer service and they told me the department I needed was closed. The next day I went back to the XXXX XXXX XXXX branch and spoke with another banker. I gave her the new credit card I received, my drivers license, social security card and my passport card. She was transferred around and finally put the call on speaker phone. A lady on the other end told me, the credit card agreement states that they can close my account for any reason and they are exercising their right to do so! She wouldnt give me a reason. The account has been listed on my credit reports as being open, with a {$0.00} balance and a {$3500.00} credit limit. I received a letter today that says : Description of Action Taken : XXXX has determined we will no longer maintain this account. I believe they are discriminating against me. I will provide pictures of my documentation below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76137
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I do NOT bank with BB & T bank and I got notices in the mail on XXXX that " I '' opened a checking AND savings account and I also denied overdraft for these accounts. I called them on XX/XX/XXXX when I got more notices from them about the same accounts I did not open ( with my name but incorrect address ) she told me that she was noting them as a fraud accounts and that they were blocked as identity theft. Then I got the debit card for the account in the mail. so I drove to XXXX PA and went IN the actual bank to report it and ask to get it taken care of. The lady in charge was VERY RUDE and told me that they opened HUNDREDS of online accounts and that they knew about them and were looking into them. I said well are you taking care of it or what? she said YOU better deal with YOUR social security number because they HAVE IT and they are using it. I said I ALREADY DID I called the XXXX and put a lock on all my credit. with all 3 credit companies. then I get letters on XX/XX/XXXX telling me there is a XXXX on the account and XX/XX/XXXX telling me I have a XXXX and there is a XXXX and a XXXX on the account. then on XX/XX/XXXX letter telling me that i need to deal with my overdraft of XXXX or they are closing my accounts and reporting me to XXXX. Then on XX/XX/XXXX i get a statement from Truist ( they now own BB & T ) telling me I still have a XXXX balance. and now on XX/XX/XXXX I get a letter form Truist telling me that the account is closed and XXXX is now reported to XXXX and I need to pay it asap. what happened to reporting it as fraud and taking care of it for me????? it seems to me they did NOTHING about these accounts that were open in my name and there only goal is to ruin my credit even more. I just got off the phone with their recovery dept and they sent me to claims and that lady told me there was nothing she could do for me and that she was clueless as to how long it takes for fraud cases to go through and be notified and there was NOTHING she could do for me. they ARE USESLESS. she told me i was NOT a client of theirs and that she could nto help me!!! really I have 2 FRAUD accounts in my name with YOUR bank that I do NOT want and I am NOT a client that you can HELP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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 XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on the proof of payment history and any documentation that this account belongs to me. 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. This is the account that still erroneously reporting on my credit report : SUNTRUST BANK XXXX Date opened XX/XX/2016 Balance-
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
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. The 3 Credit Bureaus are reporting inaccurate information on REGIONAL ACCEPTANCE ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 510XX
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Hello, I see I was penalized with 2 late payments at the beginning of this year. Unfortunately, I was going through financial hardship dealing with Covid-19. During XX/XX/2021 and XX/XX/2021. As you can see, I have perfect credit payment history beyond those 2 months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The money taken out of my checking account ending in XXXX on XXXX XXXX is fraudulent. This check XXXX was originally made for XXXX dollars to XXXX XXXX XXXX for a credit card bill. This was mailed from XXXX XXXX XXXXn XXXX XXXX, than sometime after that, the check was stolen, whitewashed and deposited by mobile device on XX/XX/2021 for the amount of {$4500.00}, resulting in the money being taken out of my account on XXXX XXXX, the bank never notified me, I found out when I was overdrawn through email. To this day SunTrust has never initiated a conversation with me or called me about this matter unless I do the initiation. This should have never been taken out, not my handwriting, talked to Suntrust, filed a case, and also filed a police report with local and federal, since it was deposited over a mobile device. SunTrust ( Truist ) has lied to me said I would have my money back in 15 days, I still do not have it back, and they have cost me a move to XXXX XXXX for a job, loss of employment, destroying my credit, can not pay bills and have late charges. They also took my XXXX Social Security check when they said they would deposit the check into my new account, because I did not have time to change the account with Social Security. They lied again, it was setup, went to the bank, the representative called fraud department and they said they did not know how to transfer my check into new account, right. I am livid, they have lied, took my livelihood and have devastated me completely, I am going to be made Whole again, not only do I want my money back plus fees, they are going to pay for losing my job in XXXX XXXX, my move that did not happen and taking my Social Security check, not to mention destroying my credit and all the late fee, I am going to sue them for {$5000.00}. This has been emotionally, mentally and physically devastating to me and with my history I have sued before but this time I will.
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: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A