Date Received: 2021-10-22
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: In ab out XX/XX/XXXX, I opened an acct with SunTrust Bank because Social Security required a bank to do my SSRI into each month. Jumping to XX/XX/XXXX, XXXX cellphone sent its payment to SunTrust, causing my acct to be in a - {$400.00} balance. To clear up that unfortunate situation, an employer sent me as he has attempted to do for 3 months, however, each time , ST ( SunTrust ) kept refusing or delaying acceptances of the job 's payment to me for expenses to do the 2 week. Suddenly, on XXXX XXXX, I wanted to correct the incorrect acct number showing on my mobile account. I called ST and then was told that ST is closing my account, BUT it will not tell me anything about WHY IT IS BEING CLOSED and I am not allowed to access the funds in the account to go to my job that has been put on hold for 3 months. My complaint against SunTrust is that it is holding funds {$4800.00} just like XXXX AND XXXX XXXX HAVE DONE OVER 2 YEARS, totalling {$20000.00} + {$4800.00} and my bills are not paid because XXXX, XXXX, and now ST are holding my money. Can your agency prosecute these and hundreds of other financial banks to demand return to me of my nearly {$25000.00} in illegally held accts. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22315
Submitted Via: Web
Date Sent: 2021-10-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Inquiry is inaccurate, I never authorized an inquiry in XXXX for " XXXX XXXX XXXX ''. Fraudulent, was not me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94803
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I decided to try to refinance car loan with Truist. When they sent us the closing documents to review the numbers weren't as we had discussed with the loan officer so we decided not to go through with the refinance because it was saving us no money. They supposedly closed the loan. But that never happened! On XX/XX/XXXX I saw an automatic payment of {$4100.00} taken out of my truist checking account for the payment of the refinance loan. So they never closed out the refinance loan! So now we have the refinance loan and our regular loan on our credit report. We have tried numerous times to talk with truist to at least refund the {$4100.00} they stole from us but they still have not done that, and both loans remain open. This company has terrible customer service, terrible system of checks and balances, and should not be in business. Thanks XXXX XXXX
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: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/XXXX I received a lot of mail and text messages about owing money to an account that was from XX/XX/2020. Im just worried about my information being leaked cause its been difficult purchasing a car or try to get my credit score higher. I just need help thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 316XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Credit monitoring or identity theft protection services
Subissue: Problem with product or service terms changing
Consumer Complaint: TO WHOM IT MAY CONCERN I WAS PLACED IN A 7 YEAR AUTO LOAN BY A COMPANY KNOWN AS THE XXXX XXXX XXXX, THAT ARRANGED THE LOAN TO BE CARRIED BY REGIONAL ACCEPTANCE CORPORATION. THE DEALERSHIP IT TURNED OUT WAS KNOWN FOR DECEIT AND WAS MADE TO CLOSE BUSSINESS IN THE TOWNSHIP OF XXXX XXXX WI FOR THE ILLEGAL WAYS THE COMPNAY PREFORMED BUSSINESS. THE VEHICLE THAT I BOUGHT USED WAS ACTUALLY REPORTED THE THE DEPARTMENT OF TRANSPORTATION IN WISCONSIN FOR DEALERSHIP REVIEW, AS THE CAR WAS KNOWN AS A " LEMON '' COSTING ME THOUSANDS OF DOLLARS IN MAINTENANCEI MADE NUMEROUS ATTEMPTS IN NEGOTIATING WITH REGIONAL ACCEPTANCE CORPORATION TO RETURN THE VEHICLE, ONLY TO BE THREATENED AS TO WHAT THE COMPANY WOULD DO TO DYSTROY MY PERSONAL CREDIT. I FINALLY VOLUNTARILY SURRENDERED THE CAR AND WAS " PROMISED '' THAT THE VEHICLE WOULD BE SOLD AT AUCTION AND A PAYMENT ARRANGEMENT WOULD BE OFFER TO ME, IN ORDER TO NOT HARM MY PERSONAL CREDIT. THE VEHICLE WAS TURNED-IN XX/XX/2021. I CALLED THE COMPANY MANY TIMES TO INQUIRE WHRE THE SALE OF THE VEHICLE STOOD. FINALLY THE CAR WAS SOLD AT AUCTION ON XX/XX/2021. AS OF XXXX XX/XX/2021 I RECEIVED A LETTER FROM THE COMAPNY DEMANDING THE DEFIFICENT BALANCE OF {$13000.00} THE COMPANY IMMEDATELY REPORTED THE VEHICLE AS A " CHARGE-OFF '' TO ALL THREE CREDIT BUREAUS ALONG WITH A " REPOSSESSION '' i MADE NUMEROUS TELEPHONE CALLS TO THE COMPANY FINALLY TO RECEIVE A LETTER DATED XX/XX/2021 A FALSE DATE, AS I RECEIVED THE LETTER IN XXXX ; STATING THAT A VOLUNTARY SURRENDER WOULD BE UPDATED TO ALL THREE CREDIT BUREAUS AND THAT i WAS TO TELEPHONE THE RECOVERY DEPARTMENT TO MAKE PAYMENT ARRANGEMENTS. i TRIED FOR WEEKS, TO NO AVAIL. I LEFT MESSAGE AFFTER MESSAGE ON A VOICE MAIL THAT WAS NEVER RETURNED. FINALLY I WAS PUT IN-TOUCH WITH THE PROPER DEPARTMENT THAT STATED THAT EVEN IF I MADE APYMENTS TO THE RECOVERY DEPARTMENT, THE ACCOUNT WAS ALREADY CHARGED-OFF, THAT WOULD NOT BE UP TO THE COMPANY TO NOTIFY THE 3 BUREAUS TO REMOVE THE ERROR AND THAT ANY PAYMENT RECEIVED WOULD NOT BE UPDATED TO THE 3 BUREAUS UNTIL THE INVOICE WAS PAID IF FULL ANF THEN ONLY A XXXX BALENCE WOULD BE REPORTED, THAY CLAIM THAT THE 3 BUREAUS WOULD HAVE TO PERSONALLY DROP THE CHARGE-OFF NOT REGIONAL ACCEPTANCE COPRORATION. THIS IS COMPLETELY ILLEGAL. THER ARE LAWS PROTECTING THE CONSUMER.. I HAVE ARRANGED TO PAY {$1000.00} A MONTH FOR A 12 MONTH PERIOD. I AM TOLD NO UPDATING OF ANY KIND WILL BE GINEN TO THE BUREAUS SHOWING THE ACCOUNT CURRENT AND THE COLLECTION/CHARGE-OFF WILL REMAIN FOR UP TO 7 YEARS. I HAVE ENCLOSED THE TWO LETTER FROM THE COMPANY FOR YOUR REFFERENCE. I VALUE MY CREDIT AND A CHARGE- OFF IS MOST INAPPROPRIATE GIVEN MY WILLINGNESS TO PAY-OFF THIS BALANCE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Dealing with your lender or servicer
Subissue: Trouble with how payments are being handled
Consumer Complaint: Hello, I have been paying on a {$16000.00} student loan since XXXX that today still has a balance of approx {$12000.00}. In the XXXX timeframe, my job was eliminated and I was forced to pay close to $ XXXX monthly for ObamaCare so I was unable to pay the student loans for small period of time. When I began working again, I was forced to pay {$5000.00} which I'm finding out now that none went towards my loan at all. The servicer, XXXX, doesn't even have record of that payment. Further, approx 50 % of my monthly payment is going to interest. I find that this loan is the clear definition of predatory lending. I will not pay on this any longer while others have their debt erased.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75070
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a savings account with BB & T and the bank is still holding the funds in the account. Please close my account and issue refund to my current mailing address.
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: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please refer to my other 2 complaints Suntrust/Truist has yet to live up to their name of being Truist. They continue to violate UDAAP by sending me incorrect statements with incorrect amounts which is also totally different from their website. Truist is deceptive and continues to respond by stating that I filed Bk and not affect CBR that isnt the concern is the deceptive practice of mailing me incorrect account balance past due when they are receiving payments. Their escalation team is a farce specifically XXXX because she doesnt listen, and responds the same way twitch the deceptive response addressing BK and CBR as well as call their BK department the complaint is closed. When I ask how can the complaint be closed she still gives the same response when I mention hiring an attorney for UDAAP she totally disregards that comment and says maam the issue is closed. So I will continue to open complaints while I look for an attorney who will take a UDAAP case since its a violation of Dodd Frank REFORM AND CONSUMER Protection
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I went under a forbearance in XXXX for having a hard time making ends meet in the wake of covid. My mortgage told me this would be the best way to go to help get me back on track and that the amount skipped would be added to the end of my loan the term was three months. At the end of that three months I was still struggling so I requested three more month extension with no issues. At the end of that I was ready to restart my payments I have called in to tell them so. since then which has been a year and a half now my payments are still not restarted I call in all the time with each time being told something different i have to do its never the same thing. I have received modification papers called and ask about them they told me o was under partial claim they was the wrong papers to get rid of the modification papers so I did and I waited a mo XXXX called back to see what was going on was then told I was to wait on modification papers the same papers o that was wrong so I did and then the forbearance had to be extended again. I received modification papers got them noterized right away and sent back still couldnt make a payment called back in was told the papers were under review call back on a couple weeks a couple weeks still cant make a payment call back not in forbearance anymore not under modification the modification papers did not cover the entire time so they were wrong and I had to request an extension of a forbearance again and start the process over so I did and now here o am still cant make payments still not getting any answer that makes sense I het told its under review and the modification is being set up so I have reached out to XXXX XXXX XXXX thay is now helping me they were able to get a hold of them yesterday and told my partial claim was being set up which just a week before I was told that wasnt an option for me at this point it was just a modification but either one is fine with me I just want to het my house payments started back up and get it back in the right direction so as of now Im waiting 6 days for partial claim papers and in seven days I will see what happens Ive been through this wait on and off for the last six months with no success yet just hoping its taken care of this timer not to mention when I call in the XXXX he recordings about my loan says my Appeal has been reviewed and approved whatever that is and no representative has an explanation for that.in a short version a three month break to make my life easier had turned on to a year and a half of stress, worry and a lot of confusion it has also strained my relationship with my mother whom os a co-signer for me who she said it effected her credit and doesn't agree with me taking the three month break and now look at where it has me on my home my roof over my head. So in fact with how it has gone for me the forbearance has caused more stress and hardship then help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 215XX
Submitted Via: Web
Date Sent: 2021-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I recently made a final payment on a Home Mortgage through BB & T / XXXX XX/XX/2021. I was advised that the Bank would issue a check for the amount I had in escrow within 20 business days in the amount of {$1900.00}. On XX/XX/2021 I still have not received my money. I called their customer service number and spoke with XXXX who would not assist me. I repeatedly asked for a Supervisor and was placed on hold for 35 minutes before being disconnected. I called back and spoke to XXXX who stated they would not do anything until after XX/XX/2021. The bank stated they issued a check on XX/XX/2021 and if I had not received it yet that it was probably due to COVID. This is my money, not the Banks. If I were late on a payment to them they charge LARGE fees, HOWEVER they can hold my money hostage and nothing happens to them. The Bank should be paying me interest and a late fee for being unprofessional and inept. I was NEVER late on my loan but yet they can not issue a check immediately or wire me the money. This is wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 249XX
Submitted Via: Web
Date Sent: 2021-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A