Date Received: 2021-09-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Around XX/XX/2021 I logged into my account and found that it erroneously reflected that it 90+ days past due. I immediately reached out to the finance company in an effort to get this corrected. I was informed that they had recently undergone a system update which caused multiple accounts to reflect incorrect information. I was assured that this would be resolved with out any affect on my credit. Approximately a week and a half later I received a credit monitoring alert informing me that the account has reported delinquent. i have followed up multiple times both via phone and email. I was repeatedly assured that this was THEIR ERROR and would be fixed. I have not heard from Regional Acceptance. Any communication was initiated by me.I was told by someone who identified himself as a collections manager that if I would file a dispute with the credit bureau, they would see that the information was corrected. I filed a dispute and at the end of the investigation the dispute result reflected no change. They have finally corrected the issue in there system but the erroneous credit report still remains unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2021-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: The XXXX XXXX dealership finance person using BB & T XXXX XXXX refused to show me the lender that was offering the auto loan and insisted that I use their preferred lender ( unclear who that was though ). I was only able to identify the source of the offering by reviewing my credit report later. I requested to see the offerings on the computer screen, and the individual insisted that I could not see my own information regarding the offering on the computer screen for my " privacy. '' Instead, she offered a handwritten post-it note and insisted that this was the only way to share the offering information with me. I shared that I felt uncomfortable with that and was surprised to see such a high interest rate ( more than double market averages ). Eventually, she relented and allowed me to see part of the screen. I requested to see the offering from XXXX XXXX XXXX, which she refused to show me, even though there is a hard inquiry on my credit account. She scrolled to the top left of the screen where XXXX branding was shown. It appeared to be a XXXX XXXX XXXX portal that had services from several different lenders. The center of the screen had several sections including specific lender information. The finance person refused to scroll to that section and show me who the specific lender was. Based on the facts surrounding this situation, I believe that the individual purposefully withheld information about lenders and rates, because I had caught them misleading and/or lying about the offering details. I offered to use financing that I had externally secured, and the finance person refused to proceed even after I made multiple requests to move forward with the financing that I requested. I refused to proceed without consumer financial information that I have a right to. However, I was never able to secure written confirmation of offerings, rates, or how many credit inquiries were run ( and with who ). Unfortunately, my credit score has gone down, and I have inquiries on my report without having received written offerings of any kind.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/XXXX, I made a charge to my Suntrust debit card ending in XXXX in the amount of XXXX. The charge was for a ticket purchase for XXXX XXXX, and the payment was transacted through XXXX XXXX on the same day. I received a confirmation email on XX/XX/XXXX from XXXX XXXX that my order was placed and received my tickets via email on the same day. On XX/XX/XXXX, I was advised the show concert was cancelled, however, I should hold on to the tickets and I would be notiified when the concert was rescheduled. On XX/XX/XXXX, I received a email from XXXX XXXX advising the concert was cancelled and I would receive my refund through the original purchaser, Pay Pal or XXXX XXXX. On XX/XX/XXXX, I replied back to the XXXX XXXX email advising them that my debit card ending in XXXX had expired and to provide guidance around what would be the next steps. To date, I have not recieved a response. On XX/XX/XXXX, I received a email from XXXX XXXX that the concert was cancelled and " my refund was processed to the original method of payment used attime of purchase on XX/XX/XXXX. You should see this post to youraccount within the next XXXX business days. Refund details, includingwhich method of payment has been refunded, and the amount refundedcan be found by logging into your XXXX online account andclicking on your order. '' I have made attempts to remediate these issues with XXXX XXXX, XXXX XXXX and Suntrust ( now Truist ). Suntrust advised me that they were unable to locate the transaction, hence, I would not be able to dispute it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23860
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Suntrust rearranged transactions in the checking account to obtain overdraft fees holding deposits and rearranging deposits to gain more fees they also ran transactions through when card was locked and approved transactions that should haehvbeen denied so they could illegally obtain overdraft. Overdraft protections were off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24112
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello I have contacted Suntrust about XXXX charge several time and filed a dispute. Suntrust dont email the dispute documents for me to complete. I have contacted the XXXX and they are giving me the run around, so I emailed dropping the class before it started. Below is the email I sent to XXXX on XX/XX/2021 Orientation was today. I could not get into the orientation because access information was not provided. I called the day before the tech day to make sure I had the info but, was supplied inaccurate information. I have emailed the instructor and called. I have been on hold for almost an hour. This is the 3rd time I have called about the same problem with ridiculously long hold times. Why would an orientation class be held without having help in place? Does a school open without staff? At this point its hard to see how XXXX really cares about educating students when they leave them hanging like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I purchased a service called XXXX last year. I didnt like the service so I canceled the service. They charge my account again. I tried to contact XXXX, but they dont have a phone number on their website and when you email them they dont reply. So I contact Suntrust to file dispute. I have completed two dispute documents. I faxed them and even stepped into a branch to have a Suntrust representative email them to Suntrust dispute department. On XX/XX/XXXX I followed up with Suntrust. The Suntrust representative told me they have no records of my correspondence regarding the dispute. Attached are the records. It seems like Suntrust is not trying to assist with this Fraud issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have fallen victim to a widely reported scam targeting XXXX XXXX XXXX customers using the XXXX money transfer service. {$3100.00} was stolen from me. The scammers were impersonating XXXX XXXX XXXX customer service, spoofed the XXXX 1-800 Customer Service number XXXX and knew various account details with BOA. Upon reporting the scam to XXXX XXXX XXXX I was a asked to submit a variety of paperwork and file a police report. I was able to also provide the scammers bank, last 4 digits of the account number, and first name the checking account was registered under. I complied with all of the requests made by XXXX. The case investigating this claim was then shortly closed, and I was advised to contact the recipient of the stolen funds ( I.E. the scammers ). Neither the police, XXXX XXXX XXXX, or BB & T bank have helped me resolve this issue. The fraudsters also tried to use my identity to register for benefits using through California EDD via the " XXXX XXXX '' app. No one from the California EDD office has returned my calls or e-mails. Recently I was contacted by XXXX notifying me that I was being kicked off of XXXX for violating the Terms Of Service, but they would not specify what rule I had in fact violated. The terms do however specify that you can be kicked off the platform if you fall victim to this type of scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 106XX
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I reported a valid fraudulent charge claim to SunTrust Bank on XXXX immediately after being notified about charges and declined a {$12000.00} charge by text alert. I reported the 3 charges totaling {$7500.00} that were completed, but the claim was denied to unexplained inconsistencies ( despite supplying a police report. The XXXX XXXX sheriffs office told me that SunTrust also rejected paying the merchant due to dial g to verify ID, effectively stealing {$7500.00} from me. I was given a rebuttal form and told that the remedy could take 45 days. This is absolutely unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30115
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I called to get this cleared off, as I don't owe them anything, they JUST keep saying my name isn't on the loan I can't have a copy of it, I called this morning XX/XX/21 and told them I have the paper work that shows the dates are 2 years apart and the house was in XXXX XXXX XXXX name, as I was on a " quit claim '' the House is mine NOT XXXX XXXX XXXX, he took the loan the house was never in his name when the Bank gave him the loan they committed a fraud, she said, XXXX would call me right back, that was at XXXX XXXX, still no calls, and I will be evicted XX/XX/21 if I don't pay {$66000.00}. I don't owe them anything .the, this home is free and clear of debt, I want to stay here. XXXX XXXX
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: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, I called my lender BB & T now Truist. to request a forbearance on my four mortgages. I am a real estate investor and property owner and several tenants fell behind in rental payments due to COVID hardships. When I signed up, I was told by the representative that the repayment of the forbearance would be structured in several different ways and I could choose which one I desired. She said one of the options would be to pay the loan for the remainder of the outstanding months on the original loan plus the number of months missed by the forbearance. I renewed the forbearance several times for a total of 12 months. In XXXX this year, I called to request an end to the forbearance. When the paperwork came, I was only offered a deferral plan which would be to pay the loan for the remainder of the outstanding months on the original loan plus a balloon payment for the amount not paid in the forbearance. I don't know how I am going to do that. I called Truist and asked about this and the representative said two of my loans are with XXXX XXXX, one is a VA loan, and one is serviced by Truist. I have contacted the VA and have that straightened out. I have filed a complaint with Truist for their loan and called XXXX XXXX to file a complaint. I was told the other options was to extend the loan out to 40 years to repay. This is absurd. Just calculate the additional interest paid. The representative at XXXX XXXX agreed that there was a verbal offer to extend the loan for the number of months in forbearance, but said " We took that off the table '' I said we had a verbal agreement and I was not notified that you changed the terms of this loan and I find it fraudulent and predatory, She seemed to think that it was not a big issue. I asked her " How am I suppose to get that lump sum in 8 years, ( the remaining length of one of the loans )? '' and she offered the 40 year option. This should not even be on the table. I have requested that a supervisor call me back to discuss. I am also waiting to hear from Truist. I will add that I received the paperwork date XX/XX/XXXX on the XXXX and the return date is the XXXX. I started working on this on the XXXX. This is not enough time to go through and try to modify and meet the suspense date. I feel rushed and don't want to sign it and return until this has been addressed. To Summarize : I was offered the forbearance with the idea that I could extend the loan by the number of months missed during the forbearance time. The payments would be the same ( disregarding the normal rise due to escrow changes ) just extended by the XXXX months. The representatives of the loan servicers I have spoke to in the last few days all agree that this was the agreement. This was all done verbally on the phone. When the time came to end the forbearance, this was no longer an option. Each time I called to renew the forbearance I was not told this. If I knew the choices were to be the two new options offered, I NEVER would have done this. XXXX XXXX loans : Loan number XXXX address XXXX XXXX XXXX XXXX VA XXXX Loan Number XXXX address XXXX XXXX XXXX XXXX VA XXXX Truist Loan Number XXXX address XXXX XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23834
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A