Date Received: 2021-09-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Sheffield financial- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX- inquiry from XX/XX/XXXX XXXX XXXX- inquiry from XX/XX/XXXX These inquiries are all fraudulent Ive tried to get them off through all credit bureaus and the companies but all I do is keep getting letters..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48331
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Problem with customer service
Subissue:
Consumer Complaint: check XXXX amount XXXX ( overpayment ) My name is XXXX XXXX I received this check on XX/XX/21. The check is for overpayment of a vehicle. The problem is I am unable to cash this check, my so. XXXX is in the XXXX unable to travel. I live in Connecticut. The check is written XXXX XXXX and XXXX XXXX. Because XXXX is not able to be there in person I asked if XXXX could send info stating that I can have the check placed in my name only to make it easier to cash. I was told XXXX had to give me power of attorney to do this. He is not giving anyone that right I called XXXX to have the check reissued as is. I had signed the check I was told it would take 10 days to make sure the check had not been .cashed, that was 2 weeks ago. I called today XX/XX/21 I was placed on hold for 25 min after asking fora supervisor and then sent to voice-mail. This is unacceptable, and the end results I will still not be able to cash this check. Please help, I have called this company several times and they did not ask for XXXX info when I was making the payments. I understand that the contract has both names, but the did not try to accommodate for him being on the military. Thank you in advance XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XX/XX/XXXX XXXX XXXX and his girlfriend XXXX used my date of birth and social security number with a false name to obtain a vehicle for his girlfriend. My name has never been XXXX XXXX which is name they used pretending to be his wife. The vehicle purchase was made in Georgia where I have never lived but they did on XXXX XXXX XXXX in XXXX paperwork for his lease submitted to the creditor. I have never owned a XXXX never needed a car loan as purchased a new car and truck in XXXX and paid cash for it. I still have both of those vehicles vehicle today. They recovered the vehicle ( XXXX ) because I reported it as fraud to the creditor and car dealer. The vehicle was recovered from XXXX in XXXX FL not from me as I have never lived in XXXX FL. I live in XXXX FL since XX/XX/XXXX with my fianc who can verify that everything I have been disputing is fact. They changed the name on the loan to match mine when I disputed on the creditor reports. XXXX XXXX already wrote them an affidavit, as instructed by the Court, and sent to XXXX XXXX stating that he and XXXX committed the fraud. I was given a copy of this affidavit and sent to XXXX XXXX as well. I made out police reports against them and the car dealership in Georgia, in both XXXX and XXXX for Identity theft. Notified all State and U.S. Attorneys, have cooperated fully and agreed to assist in prosecution. The more I dispute this fraud, the more the company harasses and comes after me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34232
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Problems at the end of the loan or lease
Subissue: Problem related to refinancing
Consumer Complaint: Loan was paid off on XX/XX/2021. Overpayment check of {$35.00} was issued XX/XX/2021. I called to advise creditor that check was accidentally destroyed by my toddler. I was advised to call again after XX/XX/2021, which will be when they will be able to re-issue and do that process on their end, which involves checking to make sure check wasn't cleared ( it wasn't ) and etc. I called XX/XX/2021 or XX/XX/2021 and was advised they would start the process to have the overpayment reissued. I called again today, XX/XX/2021, and their staff seem clueless. Each time it takes me being transferred multiple times before someone competent gets on the line who actually understands their job and what to do. On XX/XX/2021 I was advised that it was not reissued, contrary to what I was told over a month ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was sent an email sent by XXXX saying an unauthorized payment was made to my account I received call from someone who purported was from XXXX. They asked me if I had purchased an XXXX and I said no. They said they would help me set up new password in system. They tooK.me through various steps " to set up a new account '' .They took me to a page that said " Cryptocurrency '' and gave me a long statement how this is what XXXX uses. I declined and hung up. Immediately, XXXX was transferred out of my account using XXXX to an a XXXX account registered to " XXXX XXXX '' XXXX account. BB & T is now saying the payment was authorized and they will not reimburse me. I have never opened nor used my XXXX account!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29464
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My account with Suntrust was closed over 30 days ago with all my money In it. I have not received a letter by mail and everytime I call no one can tell me whats the issue or when I will receive my money. Its not fair all my hard earned money is gone from both my checking and savings, I need to pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/XXXX I opened a bank account at suntrust. They decided to close my account with no valid reason I had XXXX dollars in it. And claimed it was fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32839
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Someone used my SSN to apply for the federal small business loan. Also, they also used my information to open a BBT debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-07
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I applied for a loan and was immediately denied. When I received the letter detailing the reason my application was declined, it stated that I owed too much on my current revolving accounts and generally owed too much debt. However, I currently owe less than 10 % of my available balance and my XXXX is less than 20 % prior to accounting for weekly bonuses and overtime. My XXXX is less than 10 % once all income sources are considered. I currently subscribe to the credit tracking service offered by the bureau they cited, so I was able to see that the information reflecting on my credit report was accurate. When I reached out to the company to advise them of this I received a generic prompt to reach out to the credit bureau, which I have already done. I have yet to receive a reply to my specific inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Regional Acceptance Corp reported my closed paid off auto loan # XXXX 30 days delinquent which is incorrect. On XX/XX/2021 a mobile payment of {$530.00} was made ( reference number XXXX ) by credit card ( PAYMENT OK ). On the same day a payment of {$17000.00} was made by the dealership who purchased the car from me. Regional Acceptance Corp then sent me a check for {$510.00}. My payments were due the XXXX of the month. My {$530.00} payment was accepted on XX/XX/2021 as well as the payoff in the amount of {$17000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A