Date Received: 2021-10-09
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I hope all is well I just would like to start off by saying thank you very much for allowing me to bank with you all these years. I was recently in the hospital and I had to get procedure done because I was in severe pain and I could not get to the bank to add funds to my checking account and resulted in me getting excessive over draft fees. I apologize I couldnt drive or even function until I had the procedure. This year has been rough on me as well as a lot of other people. I do apologize this was unexpected and out of my control. Can you please give me all the over draft fees back because they are excessive and are causing a hardship for me and my family. Please understand it was out of my control didnt even know this was going to happen unexpectedly just like this virus. Thank you for your time. Have a wonderful day and please be safe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28306
Submitted Via: Web
Date Sent: 2021-10-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Truist Bank is taking numerous fees from my account just about every week totaling in {$300.00}. If a charge is sent back Im charged. Im being charged {$36.00} for a XXXX overdraft on my account. Theyre allowing payments to through on accounts even if you have a lock to stop any activity on your account.The bank is allowing companies to keep submitting payments multiple times and charging {$36.00} for each failed transaction and then eventually letting go through and then charge another {$36.00} even when the card is locked.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: While XXXX and XXXX have properly fixed this issue, XXXX has committed numerous FCRA violations starting with not even ACKNOWLEDGING the certified mailing disputes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92881
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I realized my Suntrust checking account was being charged for XXXX transactions that are not mine. The bank declined to take any documentation from me and only wanted the dates and amounts in dispute. The bank rep suggested that someone hacked my XXXX account rather than stealing my debit card. I explained that none of those transactions are showing on my XXXX, but she would not accept the documentation. XXXX is not accepting calls and can only handle disputes for transactions showing on my account so there is not way for me to clear this with XXXX. Therefore, I reported this as fraud with my bank. They denied my claim saying I have other XXXX charges on my account so this is " consistent with my previous banking history. '' Yes, I told them up front that I have an XXXX account and all charges look identical except for date and amount regardless of the delivery location as the bank well knows. Therefore, I don't understand how that conclusion is meaningful or fair. This is not a proper investigation. XXXX has a record of whose account those transactions were made on and the delivery address. They have the info necessary to find the criminal, but are not doing so and seem to have not even spoken with XXXX about this claim. The bank manager told me today that there's nothing else they can do to help me. The most recent charges were still pending when I called. They have since posted those transactions to my account and are refusing to take it off even though I caught it before it posted. This is beyond infuriating. There were 13 transactions from XX/XX/XXXX through XX/XX/XXXX as shown in the attached document. I've also attached my XXXX account showing my actual transactions and you can see the ones I disputed as fraud are not on my XXXX account. Fraud Transactions : XX/XX/XXXX {$34.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$28.00} XX/XX/XXXX {$23.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$26.00} XX/XX/XXXX {$24.00} XX/XX/XXXX {$16.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$27.00} XX/XX/XXXX {$29.00} Total Fraud Charges : {$330.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29410
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have been a Suntrust customer for over 15 years. I have over {$140000.00} in my checking and savings accounts. I have never had a returned check or and overdraft item. My credit is perfect with a score of XXXX. I rarely use the branch for any transactions I use direct deposit and online banking. I just received a letter informing me that Suntrust is closing my accounts. There is no reason for this action in the letter. I called Suntrust and they would not tell me why they are closing my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My credit was ran without my knowledge or consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53223
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Stay away from this bank. They are not credible. I was victim of a scam. They told five different conflicting stories with regards to my account. Finally, they closed my account. This is no way to treat an account holder who has had a banking relationship with them for ten years. THESE XXXX need to go out of business. Currently, I am trying p to find attorney for a possible consumer lawsuit against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 344XX
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I noticed some inaccurate information on my XXXX report that needs to be deleted for inaccuracy and unverifiability.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33313
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-07
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Since XXXX I have been trying to get Suntrust to report that I have consistently made my mortgage payments on time. CFPB reached out to them in XXXX of this year and Suntrust immediately sent me a letter stating they would fix the incorrect information they had been reporting which stated my payments had been 60 days late for 2 1/2 continuous years. Instead of correcting their error they removed my account from the three bureaus and are reporting nothing as of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28025
Submitted Via: Web
Date Sent: 2021-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-10-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am not familiar with this account. I have contacted Regional Acceptance concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX. Regional Acceptance has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77033
Submitted Via: Web
Date Sent: 2021-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A