Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: suntrus XXXX, They submitted my credit without my authorization, on XX/XX/2020, which hurts me since it lowers my average score, I appreciate deleting, this application
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33331
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Please refer to the details of the complaint sent originally listed below with the attached evidence. The complaint is about deceptive practices where their statement shakes the account past due and a payment for the same amount at the bottom of the page. We received 2 call from XXXX in Truist escalation area and I returned the call and spoke to XXXX XXXX and gave exact clarity on the issue being the statement and the XXXX area not being able to answer the questions about the statement and the payment shown at the bottom of the statements. Truist closed the complaint with responses to XXXX reporting, XXXX Chap XXXX and a late fee and never answered why their XXXX mortgage area is ill equipped to answer questions and why is was the balance showing past due on an account with the payment of the same amount showing the bottom. Based on XXXX this is a deceptive practice. I called Truist escalation today XX/XX/2021 at XXXX to ask about the complaint and why was it closed without addressing the deceptive practice and XXXX XXXX says the matter is closed so he has nothing to look at so he cant respond even after I mentioned that I was seeking an attorney to assist ( please listen to the call ) He suggested that I open another complaint. This is unacceptable from a customer experience, risk mitigation and management. How many clients is Truist deceiving. Please HELP Review the companys response to your complaint. The company has responded to your complaint. Log in to the Bureaus secure website to review the companys response online. You can also review the companys response by phone with someone. Thank you for participating in our complaint process. This complaint is now closed. COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021 PRODUCT Mortgage ISSUE Trouble during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sun Trust Bank has placed forced flood insurance on my home. I already have flood insurance. The bank claims that my house is in flood zone AE and my insurance company says I am in zone X. I've been fighting with them for months and the took {$4400.00} out of my line of credit to buy insurance that I don't require. I talked to all of my neighbors and they only pay between {$800.00} to {$900.00} a year. This seems like a scam to me and I can't seem to get anywhere with them. I also filed a complaint with the FDIC about this matter, but have yet to hear back from them. I flied that complaint on XXXX XXXX, XXXX. Thank You XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are inquiries on my credit that I do not recognize or have open or closed accounts associated with these companies
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38119
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: The branch manager XXXX XXXX at XXXX XXXX in XXXX, TX has fraudulently opened a second loan without my consent or approval knowing I was a victim of identity theft after providing a police report. The loan company XXXX XXXX in XXXX, TX and their banking institution XXXX XXXX XXXX XXXX, TX have made me, the victim, responsible for XXXX XXXX passing through a check under double presentment which was originally issued for a loan- from XX/XX/2021 in the amount of {$800.00} and mobile deposited in my credit union.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust XXXX Truist purchased my loan from rocket mortgage. The mortgage was transferred effective XX/XX/XXXX. I set up an account on their website on XX/XX/XXXX to make the payment but the pay link tells me I am not allowed to make a payment on the website. I called their service number ( XXXX ) on XX/XX/XXXX and and waited on hold for 35 minutes. I talked with a representative named XXXX who told that they would not be able to accept my payment because the account is delinquent. I was told that I could make a payment by calling them - and she gave me the exact same number that I had called before. I never personally established a relationship with Truist and they are now making me jump through hoops to pay my mortgage. They are in violation of the 60 day service transfer grace period and clearly dont have the operational capability to be purchasing mortgages from other banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80206
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Even though I have funds available, the bank charged me twice overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33325
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
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: At the end of XXXX last yr a individual got my information by false pretenses. He then used my information to run up my credit card and other things. This carried into XXXX of 2020 and to my Bb & t accounts. I fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( the Fraudsters or Company ), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via debit card, and through an intermediaries ( which I opened the account under the presssure of scammers ) in the total amount of XXXX USD utilizing the services of XXXX XXXX XXXX XXXX. I requested to initiate recall/chargeback for my transactions from my bank but unfortunately I did not recieve any satisfying answer from their side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29680
Submitted Via: Web
Date Sent: 2021-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-14
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There were two credit union loans in XXXX that I do not recognize. They were made in the same exact day
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-13
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This account with Regional Acceptance Corporation is reporting inaccurately on my credit report I have sent disputes to the credit bureau that have been flat out ignored in the months of XXXX & XX/XX/XXXX. The account states that it has not been disputed which is absolutely untrue because it has been removed from XXXX and I have sent disputes in three times Ioan understand the mail not getting there once but not three times. The account is showing an inaccurate date of last payment it reflects XX/XX/XXXX ( XXXX ) and XX/XX/XXXX ( XXXX ) but according to the rep I spoke to XXXX the account was last paid on XX/XX/XXXX. The account also reflects a payment status of 90 days late but the account was paid off and made current. On XX/XX/XXXX I requested that Regional Acceptance send me information about this account directly but they have yet to respond to my request and my growing frustration has encouraged me to start filing complaints.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30067
Submitted Via: Web
Date Sent: 2021-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A