Date Received: 2021-09-23
Issue: Lost or stolen check
Subissue:
Consumer Complaint: My account with Suntrust bank was closed on XX/XX/2021 with XXXX inside legally earned and when I contacted the bank their response was that it would take 90 days for them to mail me a check since they were conducting an investigation on my account. After the 90 days went by I contacted them again and they told me they mailed me a check the week following my account closure and that the check was cashed on XX/XX/2021 on the Suntrust branch located at XXXX XXXX XXXX, XXXX XXXX, FL XXXX. After that, I Immediately contacted the bank and created a dispute and another investigation was issued for the check that I was owed for the amount of XXXX $ since it was cashed by another person that it wasn't me or my son since we are the only authorized users of the previously mentioned closed account. The fraud case number for the bank is XXXX and it's been more than one month since this started and they told me they would check the surveillance videos with the bank and no advancement has been made on their part to return me my money. I already filed a police report and reported the issue to my condo management office in order for the process to be completed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Good morning, I have a situation with Suntrust Bank .... I explain on XX/XX/XXXX I deposited a check for the mobile application the application told me it was not deposited and I went to the bank and deposited physically in the box office in addition to that deposit cash and I made a cashier 's check and left the bank .... I want to emphasize that I immediately left the bank and my account was blocked I no longer had access to it. I contact the bank 3 days later and they tell me that they have decided to cancel my 3 accounts ( 1 personal and 2 business ) ok I accept it they tell me that in the next few days my money will be sent to my house the first check for a amount of {$370.00} dollars ( personal account ) and I am waiting for my other 2 checks from the business account. I contact the owner of the check that I deposited and the bank took 2 times by mistake and I ask her to call her bank and put a stop payment ... she called, she did it without problem, now when I request my check for the money that I had in my business account the bank tells me that there is nothing and that my account is overdrawn because they took from my business account the payment of a check that they paid me by mistake I have called more than 10 times claiming the situation and They have not given me a solid answer, it is always something different reviewing the account statements that arrived later, I analyze that the bank by mistake deposited the same check twice but again highlighted I did not have access to them because the account was blocked immediately ... if you look at page 6 that I attach you can see that the day XX/XX/XXXX, the bank withdraws the amount of 1 check and closes the account on XX/XX/XXXX with a balance of {$3100.00} which I think they believe was the amount of the check they sent me to my house... but if we subtract the $ XXXX {$2700.00} ( which is the amount of the check ) would remain a remainder of {$370.00} which was the check that was sent to my house attached photo of the check... if we can see then the bank made the deduction of the 2 amounts deposited by mistake and the account is settled and closes at {$370.00} check that I received clarified the point in my personal account where it is clearly seen that the money was deducted from the check and they returned my remainder, my other 2 business accounts remain without any problem but the bank insists that I pay the check to another institution but they do not take the time to review my account statement the check sent and calculate the number to see the error among the several answers that have been given to me + that they have nothing to do that I go to the issuing bank to claim the money + that I get a notarized letter from the client and the account statements and authorize them to pay me and she to pay my bank... which is impossible Until today they only give me evasive mistreatment and do not respond for my money I feel cheated and stolen nobody calls me and we already have almost 3 months with this problem that nobody solves conclusion ... .. the bank is taking the money from my business account because it thinks that I paid that amount from my personal account because the personal account in the account statement does not reflect that the second amount of the check was deducted .. attached I send a summary of the account statement of my personal account, a copy of a check where my account information appears, a check deposited and then stopped, a return check of my remaining funds from my personal account and the number of the business account where the funds for believing that I was paid the dispute check ( {$2.00} )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # : XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Regional Acceptance Corporation violated 15 usc 1602 ( l ), 15 usc 1692j ( a ), 15 usc 6801 ( a ) ( 1 ), and 18 U.S. Code 8
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was on payment Deferral agreement from XX/XX/XXXX until XX/XX/XXXX for 6 months. After that I was making payment every month with out missing on time. I Agreed with the company to add the amount of XXXX unpaid COVID forbearance in my principal. Received a statement dated XX/XX/XXXX that I own them past due payments of XXXX and results in fees and foreclosure. I never missed any payment. Blocked me to refinance my current loans by putting wrong information in my account. My current interest rate is 5.1.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22079
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Greetings, Ive noticed a series of unauthorized inquiries/ activity on my credit report. Some Ive been able to resolve, some I havent. Ive personally reached out to these companies as well as the credit bureaus individually ; the rebuttals have been ambiguous. Its prudent that these issues are resolved expeditiously because Im in the process of becoming a first time home buyer. Im also a business owner. An accurate credit profile will be advantageous in regards to achieving my goals/ expansion. The companies and inquiries are listed below. I will also attach documentation sent out to each company in efforts to rectify the situation. XXXX Suntrust DBA Lightstream XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXXl XXXX XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78222
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SunTrust, now Truist, bought my mortgage from the originator in XXXX of XXXX. They did not assess the loan after purchasing it, paid the property taxes and let an escrow shortage continue for 10 months. This has resulted in a {$5700.00} escrow shortage that is due to increase my mortgage payment by over {$730.00} per month on XX/XX/XXXX. They offered to stretch the shortage over 24-36 months ; however, because of the initial shortage due to the originator not calculating for taxes increasing ( that issue is being handled with them in a separate forum ) and what they want, it will still be an increase that I can not afford ( $ XXXX per month ). The associates in the collection center and payment solution center will not let me speak to a manager, continue to pass the buck to different departments, try to deflect the conversation to them not getting an insurance policy from my carrier and are not noting my account of our conversations despite calls supposedly being recorded. Additionally, Truist continues to push me towards a refinance which they stated would raise my interest rate and payment even further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78628
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I started receiving notices from BB & T at the beginning of this year about " my account '' being over drafted. The problem is that I have never opened or owned an account at that bank at any time. I contacted the national number and reported the issue but it never got resolved and so I went to the local branch. Spoke with agent there who set up a meeting with the branch manager who then never showed up to the meeting. Once again called the company number and they assured me they would close the account but then started receiving the notices again. Despite multiple efforts to rectify the situation and talking to multiple agents at BB & T, either the account never got closed or they just kept opening up new ones as I continue to receive notices of problems with " my account. '' I locked my credit with an XXXX account and disputed the account there and was told that when XXXX contacted BB & T to file the complaint on the account, BB & T told them that all the information was accurate on the account and there were no errors and the account was valid. Some person out there is using my personal information and identity to open multiple accounts through this bank and the bank refuses to acknowledge the identity theft, close the accounts, or prevent new ones from being opened in my name. Have contacted my attorney, filed a report with identitytheft.gov, and also filed a local police report and still the problem has not been resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I received a bank statement via mail from BB & T in XX/XX/2021- the statement showed a checking account and a money market account. After contacting the local branch, I was made aware that an account had been opened online using my name, home address, date of birth & social security number. The person used a different drivers license number & email address. The bank allowed the account to be opened online without verifying that the person who opened the account was who they said they were. When questioned, the bank stated they aren't capable of verifying a person against their drivers license number when they provide that information. I personally find this very disturbing as there is a statement that accompanies most financial transactions indicating that the government requires financial institutions to obtain and verify identification of individuals. After talking with the bank, I was also made aware that the account had been closed by their fraud department. I filed a police report and gave the officer the information I had received from the bank. The officer who completed the report did confirm the drivers license number was valid and they obtained an address for the individual. However, I was assured that the bank had closed the account. I have since received statements for XXXX, XXXX and XXXX. The last one indicated that a negative balance has now been charged off as a bad debt. I have also received a complete money market packet. During this time, we were working with a mortgage company regarding a refinance of our home and current mortgage. Unfortunately, this bogus account is being reported to XXXX and my refinance was cancelled by the lender. Since then, a bad debt / charge off of the account has been reported on MY credit and I didn't open this account. I have reached out to the bank via email to keep everything in writing however they only responded stating they would look into the situation. Since they responded, I have received the negative statement with charge off and the money market packet. This is completely unacceptable and I want this matter resolved immediately. It has cost me a lot and if the bank can't verify a person by matching their drivers license number to their name, maybe they should figure out a way to protect people or not allow accounts to be opened online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 362XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Opened account with proof of residence. Account closure started XX/XX/XXXX without my knowledge and still no explanation why. Account has been closed and now they are requiring additional items up to and including a notarized letter just to give me my money. It's been nearly 2 whole months. I just want my money so I can get my medication. The customer service has been atrocious. I've spent numerous hours on hold and get transferred to one person or another. Once I actually spent 1 hour and 32 minutes on the phone getting bounced around and put on hold, just to be told they have no information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23454
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2021, I made a deposit of {$560.00} by check, and {$100.00} by cash, almost immediately my account had been terminated with no warning, I now have no access to my bank account, or money, this has put me in a bad place financially to where I can not pay my bills. Suntrust/truist bank has been nothing but issues, but now I am even considering small claims court in order to get compensation for my account balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 317XX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A