Date Received: 2021-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XX/XX/2019 I closed my bank and credit card accounts I had with Suntrust. At the time, I paid off all remaining balances on my credit card and removed all money held with their bank. Nearly two years later I had noticed negative marks on my credit score due to unpaid balances with Suntrust. I submitted a dispute through XXXX and Suntrust claimed that their information was valid, and sent an explaintion using their records. According to their own report I had a balance of {$69.00} in XX/XX/2019 and I paid {$79.00}. For XX/XX/2019 I had a balance of {$9.00} and paid {$310.00}. The following month XX/XX/2019 ( despite closing the account ) I somehow had an owed balance of {$10.00}. Again this is from documents Suntrust provided me when claiming that the money I owed them was valid. I believe these numbers they presented are completely fabricated. Which is obvious from the incoherency of the accounting between XXXX and XX/XX/XXXX I can validate all of this information with documents that suntrust provided to my XXXX account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have a business checking account with Suntrust. On XX/XX/2021 the company decided to close my business checking account with no explanation. The account has been in a no debit status since and it still has over {$18000.00} in the account. I have talked with several bank personnel in person and over the phone and have only been sited that the bank has decided to close the account because of Suntrust rules and regulations. While I have come to terms the fact that this bank has decided to terminate their relationship with me, I am not okay with the fact that this company has not returned the funds that are still in this account with no viable explanation and have no other option but to pursue this in a legal manor. This situation has egregiously impeded upon my business and I have suffered loss because of this. I need a reprieve of this situation immediately!
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: 2021-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Receiving updates " deposit account '' from Truist. It shows a balance and last for digits of account number. I DO NOT have an account with Truist. I don't know how they got my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21044
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hi! Suntrust now Truist has allowed multiple fraudulent transactions to post to my account and have closed my claim for fraud. A total of 6 XXXX transactions were made that are not mine mine and totaling nearly {$700.00}. They have closed the claim without doing their research. They also never alerted me that there was suspicious activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32606
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: Getting a line of credit
Subissue:
Consumer Complaint: My name is XXXX XXXX I am who I say I am and no third party is involved in submitting this complaint. today ( XX/XX/2021 ) I entered into a consumer credit transaction with Truist Bank d/b/a Lightstream to use my right to extend credit for personal and household purposes. I understand that Credit is a right pursuant to 15 usc 1602 ( f ) and I exercised this right in good faith when I completed the credit application and this denial letter constitutes discrimination under 15 usc 1691 ( a ) ( 3 ) and Truist Bank d/b/a LightStream also willfully and knowingly gave me false and inaccurate information for giving me an adverse action in an extension of my own credit as a consumer and they can now be held criminally liable pursuant to 15 usc 1611 and can be fined up to {$5000.00} or imprisoned not more than one year or both.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92307
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have received via US Postal Mail, a letter from SunTrust dated XX/XX/XXXX. I objected to the response for the following reasons : A. I sent, an email, a full loss mitigation application to SunTrust on or at XX/XX/XXXX and XX/XX/XXXX. To date, SunTrust hasnt decisioned, replied to, acknowledged, or processed that loss mitigation application. B. The loss mitigation application submitted again to SunTrust on XX/XX/XXXX via email has similar treatment by SunTrust-It hasn't been acknowledged by or processed by SunTrust. C. The XX/XX/XXXX from SunTrust letter seeks to reply to both a QWR/NOE/RFI to SunTrust AND request that I submit a new loss mitigation application without replying to or decisioning the XX/XX/XXXX application as deficient, declined, adjusted, modified, or any activity of the same. D. SunTrust. on XX/XX/XXXX, notes that my documents submitted for loss mitigation are over 90 days old BUT SunTrust doesnt provide a reason why it hasnt processed the loss mitigation application timely or acknowledged receipt or anything. SunTrust is defiant of and not complying with CFPB rules for processing loss mitiation and defied the XX/XX/XXXX CFPB rules on processign loss mitition applications. E. Since SunTrust has determined that I do not have to pay Mortgage Insurancde Premium, ( MIP ), I wish to know if the desk review noted by your lawyers that asserted that the loan isn't like to be approved for loss mitigation options, included the deletion of MIP as part of the payment declaration. Secondly, since I asserted as part of the QWR, that that item should have been deleted as far back as XXXX, will SunTrust recover such amounts and adjust the escrow and payment matters. F. SunTrust denied and would not delete negative credit information from credit agencies and is in direct opposition of the CARES Act and Presidential Executive Order as well as Executive Order of the Mayor of DC. G SunTrust hasnt addressed all of the items noted in my QWR/RFI/NOE and the same is attached for your review together with documens and declarations to the same of your review. Please comply with the QWR duly submitted. H. SunTrust asked its lawyers, contrary to a representation to the Superior Court of DC, that they would remove my loan from loss mitigation contrary to CPFB rules, and inferred that they would start foreclsoure proceedings in defiance of an order not to do so by the Mayor of DC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I made a deposit on XX/XX/XXXX. I usually get access the next business day. This time some of the funds were held. While I was making deposit no warning of a hold was indicated. When I received my receipt they informed me of the hold. I could not get the checks back from the ATM. I checked 2 days later with the makers of the checks and they said the money was out of their account. I checked with a teller and he said he or the manager could do nothing. I called the only number they give and the person said it was the law that they have to hold the funds. I was informed before conversation it was being recorded. Recording should be available. Here it is 6 days later and my account is charged {$38.00} overdraft and they are still holding {$5700.00}. This is the second time they have done this. Last time they held funds 10 days and said confidential source said checks would not clear. Again the checks cleared makers account within 48 hours. All deposited funds were local banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2021-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX unable to get a response to why, online account, temporarily unavailable. XXXX, I went into XXXX Suntrust Bank XXXX @ XXXX to ask why received {$36.00} dollars overdraft fee when have no overdraft protection requested attached to account. XXXX XXXX XXXX said unable to refund. I didnt know why not. He pushes my card back throw window. I call Suntrust again ; no answers. I applied money prior to 5 day penalty stated on account. I pay my bills from this account and have current drafts coming out. This is wrong and scam. XXXX Suntrust tellers on XX/XX/XXXX state contact fraud department, XXXX ( XXXX ) XXXX, to get answers. I tried to contact Suntrust the entire, via phoneXXXX or email, rest of the day to strive to get questions answered. I was given the run around from number to number. One kind lady appeared to return my disconnected call, XXXX contact number, she sees I was disconnected and was looking for answers. XX/XX/XXXX received call from XXXX ( XXXX ) XXXX ext XXXX, XXXX XXXX. I returned and called XXXX XXXX ,4-5 times; left messages after she called me on XX/XX/XXXX @ XXXX. All Suntrust phone line system dropped my calls after told your wait is 25-30 minutes and recording. I have received no check of monies refunded within mail as they stated on one occasion via phone, XX/XX/XXXX. I have received no email or letter mail statement of my accounts on regular. I requested paper trail due to this scam antics. I then, asked for copy of accounts, printed off. This is the worse service ever and nothing is truist or trustworthy about this. Wow, this is unlawful and unacceptable. If I were white would this be happening. Systematic and respect of person. May XXXX have mercy. Thank You, XXXX in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a home equity line from XXXX, then SunTrust, now Truist in XXXX. It was paid off in XXXX BUT XXXX never removed the lien from my home.We have been requesting a satisfaction of lien and a paid in full letter since XX/XX/XXXX. I am scheduled to close on the sale of that home on XX/XX/XXXX, so my need is urgent at this point. Confirmation # xxx was opened back on XX/XX/XXXX. My title company and I have been told that it was researched, completed and closed with a satisfaction of mortgage mailed to the court of clerks in my county for recording with a copy sent to the property address. BUT, neither the court of clerk nor I have received the items that SunTrust says that they mailed. So, new confirmation # xxx was opened requesting that a paid-in-full letter be faxed or emailed to my title company so that the sale of my home could occur as scheduled on XX/XX/XXXX. The case was supposedly escalated, but the bank is still showing it open as of yesterday 's close of business ( XX/XX/XXXX ). I was told that there shouldn't be a problem sending the paid-in-full letter since the matter was already researched and a satisfaction issued- even though it's been lost. AND they've confirmed that nothing is owed to them under either my SSN or the property address. Then, on XX/XX/XXXX, SunTrust opened another new confirmation # xxx and escalated it since the 2nd confirmation had not been completed. It is still open also. AND my title company still doesn't have the paid-in-letter. Why can they not send us a copy of the satisfaction completed under the first confirmation # and give us the paid-in-full letter that we desperately need to close? This is the worst, most inept customer service I've ever experienced with a bank. We've been promised a paid-in-full letter now too many times to count, yet neither I nor my title company have it. They should have released the lien back when the loan was paid off in XXXX. There's absolutely no excuse for them to not have completed this promptly once it was brought to their attention and they've had plenty of time since XX/XX/XXXX. I and my title company have literally spent HOURS on the phone with them listening to promises that they never follow through on. I've personally gone into their branches who show me that I don't owe them anything on their computer screens, but say that they can not give me the letter as it has to come from their Mortgage Dept. I now just have today ( Friday ) to get the paid-in-full letter so we can close on the XXXX since the XXXX is a bank holiday. I am elderly and desperately need your help. I also want others to know how XXXX, BB & T and Truist treat their customers. I would never do business with them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-09
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Dear Sir/Madam, I am a client of Suntrust bank for for the past three years and hold a checking, savings and business account in the XXXX Ga branch . I had requested reimbursement of funds that were frauduently taken from my account starting on XX/XX/XXXX XXXX. An investigation was prompt on XX/XX/XXXX. A computer hacker tried to steal {$2100.00} from my account. This transaction was noticed by me and I alerted the bank 's fraud department and the account was immediately suspended. I was promised that the funds would be reimbursed to my account within a reasonable time 10-30 days. I am sad to say that despite making calls to the customer service department and visiting the branch several times, there has been no action taken to date. Its been four months now. My dispute details are : Account No : XXXX Business Checking Account Unauthorized Items disputed Date Amount of Debit XX/XX/XXXX {$1100.00} XX/XX/XXXX {$610.00} XXXX {$1300.00} I request you to look into my case and help me to be reimbursed the money that was stolen from my account. As well as all of the associated NSF fees associated with these unauthorized transactions. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A