Date Received: 2021-09-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: SUNTRUST DBA XXXX has violated the FAIR CREDIT REPORTING ACT ( FCRA ). 15 USC 1681 : SEE ATTACHED DOCUMENTS a. Affidavit of Truth- Copy to company was Signed and Notarized b. Copy of item on Credit Report c. Invoice d. Copy of Certified Mail Receipt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32835
Submitted Via: Web
Date Sent: 2021-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In XXXX of 2021, I received two notifications from BB & T that I no longer wanted overdraft protection for two different accounts which I never opened. I immediately contacted them and was told an identity theft report would be filed. Than I received another notice stating that the pin request mailed had been returned. I again contacted them and was told that the accounts were closed due to possibly being fraudulent. I requested a call back from a bank supervisor and was told I would be contacted by the fraud department. I am still waiting to be contacted by someone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15701
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear Sir, I am a regular mortgage loan client and have been using your website to make my monthly mortgage payments and I have always been on time. But I am very upset and disappointed in your service and handling this month 's payment. 1 ) I scheduled online payment on XX/XX/21 to draft my bank for XX/XX/21 for {$1900.00} with confirmation XXXX XXXX ) I scheduled an additional principal payment on XX/XX/21 to draft my bank on XX/XX/21 for {$230.00} with confirmation XXXX I noted from my bank that only the 2nd payment of {$230.00} was taken. I called BBT this morning and your representative told me the {$1900.00} was not drafted as you can only draft one payment per day. That is ridiculous! You drafted my extra principal payment but not the regular monthly payment!! I was told my regular payment was cancelled and I have to make another payment. How frustrating is that? Your representative said he would take my complaint. 3 ) After hanging up, I went into your online payment again to make a payment of {$1900.00} but now there is a late fee added. So I have to pay an extra {$98.00} late fee. My payment confirmation # XXXX in the amount of {$2000.00} was made. All this is due to a glitch in your website payment system. Your customer should not have to go through this trouble. I request that you reimburse me {$98.00} for the late fee as it was not my responsibility. I set up payment in XXXX for a XX/XX/XXXX bank draft. It was your ineffective banking system that caused the problem. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94591
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have never missed a payment until Covid shut my job down. I have had this first mortgage and my Heloc Since 2014 I have tried to make these payments. I need a fresh start. I would like to consolidate the XXXX and the XXXX mortgage into XXXX loan and receive a modification. XXXX year 1 % rate XXXX year 2 % rate XXXX a fixed rate of 3 % for the life of the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-17
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have received a letter from the bank. It contained the name of the person to contact to unlock my account. I have the court document that the account belongs to me. But the person for me to contact does not answer the phone. He has a voicemail that does not work. He has no email address available. Local bank manager does not know how to help me. I have all the proof, the legal document. No one in the bank knows how to help. The Client Resolution Specialist doesn't exist. I can not access the money in my account. It has been over a week since I found out Suntrust ( Truist ) blocked my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-09-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I XXXX XXXX at this current moment is submitting a complaint that i currently have Regional Acceptance reporting on my consumer report of an alleged debt they claim i owe an amount of {$16000.00}. I do not owe this debt and i will not entertain with paying this debt. Please be advised that Regional Acceptance is in violation of the FDCPA 15 USC 1681b ( 2 ) which clearly states that no debt collector shall not state that such consumer owes any debt in which they are currently violating. The account information that Regional Acceptance is currently reporting to the consumer reporting agency is false and misleading and is in violation of the FDCPA 15 USC 1692e. I have sent a letter to Regional Acceptance regarding the alleged debt they claim i owe and i demanded validation of debt they claim i owe in which they have failed to provide which is a violation of the FDCPA 15 USC 1692g. Regional Acceptance is civilly liable {$1000.00} per violation for the damages they have caused and not complying with the demands that has be requested that they have failed to comply with 15 USC 1692k ( a ) ( 1 ). Please be advised that Regional Acceptance has also committed several violations and my right to privacy 15 USC 6801 ( a ) and violated 15 USC 6802 ( e ) ( 2 ). Regional Acceptance did not have written instruction to furnish this information and has also committed a violation of 15 USC 6802 ( 6 ) ( a ). I demand that this account be removed from my consumer report immediately as Regional Acceptance has committed many violations of my consumer rights under the FDCPA. Regional Acceptance shall not assume people do not no their rights as a consumer against the illegal activity thats being committed by them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I opened a new savings account with SunTrust. On XX/XX/XXXX I recieved an email stating that checks had been ordered for the savings account and were being shipped to me. I did not request any checks because I have no desire to spend the money from the savings account. I then recieved a follow up email saying the checks had been shipped. When these checks never arrived at my home, I reached out to SunTrust, they transferred me to the check company, who then transferred me back to SunTrust and then SunTrust once again transferred me to the check company. Finally on my last transfer to SunTrust, I was able to speak to someone who would take the time to look into the situation. I was told that a stop was being put on the checks that have been lost somewhere in the world but that anything already in process or anything that happens digitally due to this error would not be covered. I was then told I would recieve an email confirming the stop payment for these checks and I still have not received this confirmation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23832
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: XX/XX/2021 : I paid in full an automobile loan that originated with Sun Trust Bank and was transferred to XXXX XXXX. At the same time, our family relocated from XXXX ( where we lived when the loan originated ) to XXXX where we are now living. When I went to the DMV as asked about getting a new title for the vehicle, they informed me that SunTrust still had an electronic hold on the title and that I should be receiving a new title in the mail once SunTrust cleared the electronic hold. late XX/XX/2021 : I still had not received the title so I called XXXX XXXX to request a lien release letter - not fully understanding this would not clear the title. I received the notarized letter from SunTrust Bank, XXXX XXXX XXXX, XXXX, XXXX XXXX Telephone : XXXX Options 3,1,2 Months passed, no Title. On XX/XX/2021, I purchased a new car and wanted to sell the XXXX XXXX that I had no Title for so I went to the DMV Satellite location in XXXX, XXXX to request a copy of the XXXX XXXX Title. I took the Lien Release paperwork with me and was told it was no good. That SunTrust still had an electronic lien on the vehicle and they would need to release it. I called the number on the lien release letter ( stated above ) and was transferred to XXXX XXXX who was not sure if they or SunTrust would need to execute the release but was told by the representative, " I have submitted that request for you. '' We spent the summer months traveling, so I took no further action until I returned home. And now, we had an offer of sale on the XXXX XXXX. But again, no Title. Thinking maybe the mail just hadn't delivered the Title, I went back to the DMV in XXXX on XXXX XXXX and was told the same as in XXXX, SunTrust has not removed the electronic lien. I phoned SunTrust from the parking lot of the DMV, sat on hold for more than 30 minutes, explained the situation to the service representative who said she could start the process on her side but would also transfer me to XXXX XXXX as she believed they would need to remove the electronic lien. I spoke to two service representatives that day - one at SunTrust Bank, one at XXXX XXXX, both assured me this would be taken care of in a matter of days. Today, Thursday, XXXX XXXX, I returned to the DMV, again seeking to get a copy of the Title and was turned away for the same reason. The electronic lien is not clear. SunTrust needs to do this. I am now on my second hour of phone calls with SunTrust who have no record of my previous request and who are not certain if it is them or XXXX XXXX who needs to remove the electronic lien. How can this be possible? If SunTrust truly sold my account to XXXX XXXX, why did SunTrust issue the paper Certificate of Lien Satisfaction? If XXXX XXXX truly owns my loan, why can't they process the electronic release? If SunTrust can send the paper Certificate, why can't they process the electronic release? I have now made three unnecessary and unproductive trips to the DMV ( a 20 - 30 minute drive from my home each way ), have spent more than 3 hours ( during the day, on my work time/breaks ) on the phone with both SunTrust and XXXX XXXX ( SunTrust starts the call and then transfers me to XXXX XXXX ) and I have missed two cash offers for the sale of my XXXX XXXX because as of this moment I am writing, I still do not have a clear Title for a loan that was paid-in-full nine months ago!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2021-09-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have a merchant account with Suntust bank they set up me a merchant account for my Realestate business. I proceeded with sending invoices to my clients that has not did a charge back, and the merchant account has not yet released my funds into my account! It has been almost 4 weeks. I have tried contacting SunTrust first data risk department numerous times and get nothing but vm! They need to release my funds! I have a business to run so please help me. My business name is XXXX XXXX XXXX number XXXX email XXXX I await your response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2021-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In mid of XXXX, my daughter XXXX XXXX email received two bank accounts opened on behalf of XXXX XXXX one of them is BB & T : this bank opened two accounts without either phone or email verification. On XX/XX/XXXX, I went to BB & T in person to close the account, and set a security alert in XXXX XXXX XXXX. However, today I received another notice saying that on XX/XX/XXXX, my account was overdraft for XXXX dollars, which was supposed closed already on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A