Date Received: 2021-09-02
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I am a business owner for XXXX XXXX XXXX with 6 employees, I am married to a US citizen and I have a legit employment authorization issued by USCIS and a SSN and waiting for my XXXX XXXX, I worked over $ XXXX last year. I recently added 2 trucks to my fleet and I needed 2 more trailers so I applied for loan from SHEFFIELD FINANCIAL with a credit score of XXXX to which I was denied for not having a XXXX XXXX even though I have authorized XXXX XXXX and I feel like this is discrimination because I qualify and I am even willing to put any collateral down but they did not accept.with this I want to know how best this can be solved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20708
Submitted Via: Web
Date Sent: 2021-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: BB & T and they say it will not happen until XX/XX/24! Have untrained workers when you get someone on line to transfer you over and over again? Have cashed checks I reported and filed and notarized papers. So many times teller checks, wire checks same with XXXX XXXX that I have to call again. Sent to a scammer called XXXX XXXX aka XXXX aka XXXX. lives at XXXX XXXX XXXX XXXX , IN XXXX. XXXX notified, I found this is not a Realtor! And a XXXX XXXX, XXXX XXXX XXXX XXXX PA. XXXX. Cashed by these people and sent to a XXXX XXXX there is so much more. Amts : XXXX XXXX XXXX. This is my retirement money! Also left by deceased father. Help I have reported to all agencies, FTC, FDIC, Inspector General, DOJ, FBI- Ic3.org Now, I am receiving death threats by this XXXX XXXX that lives in XXXX XXXX XXXX XXXX XXXX CA. I have a address of XXXX XXXX XXXX XXXX XXXX XXXX CA. XXXX & XXXX XXXX XXXX XXXX XXXX, Ca. XXXX and XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32905
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I have tried making my payment by website and automated phone service. By phone ; the automated service won't allow me to make my payment, due to it restarting and improperly functioning. This is how I've always made my payment in the past. Upon failure to make payment by phone, I signed up for an account, online. The system, rejects the payment and told me not to try again. ( Documented with screen shots ) I have left 6 emails with the customer service link provided on their website. I have called 4 times and been left on hold anywhere between 10 minutes to over 30 minutes, trying to reach someone to talk to, with no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29461
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-01
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Suntrust bank froze my account for fraud and closed it some days later, the reason was that i received a grant for my business deposited n my account I have supplied the bank, with my Ein #, business licenses from three, both award emails from the SBA stating the amounts that was being deposited, letter for the FOIA legal department with SBA giving information about me and the grant, tracking number for the grant, SS card, driver license. Even after presenting my documents they still closed my account and accused me of fraud, and froze the account and holding my funds indefinite. No one from the local branch would help me, wouldn't allow me to speak with the vice president to present my documents to. I feel that I am being profile in some way, I have tired multiple time to clean this issue resolved but Suntrust haven/t giving me any option. I filed complaints but the people I tired filing complaints on was the one filing the complaint. I have received nothing but XXXX, XXXX, and XXXX from trying the resolve this issue. I have not committed any form of fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29646
Submitted Via: Web
Date Sent: 2021-09-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Companies have exceeded the maximum allowable days of investigation and have not given verifiable evidence of the accuracy reporting on of credit report. Also they didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i Procedure in case of disputed accuracy ;
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: BB & T Bank had pre approved me for a home loan. I sold my house and paid off the mortgage that was also thru BB & T Bank. I put down money in escrow, paid for an appraisal. Paid for a survey and an inspection. Now the underwriter added things right before I get ready to close on the house I was purchasing. I paid to have farm animals moved to a boarding facility. I have nowhere to live due to the underwriter doing this. This has created a horrible hardship for me. I can only stay at a friend 's house a little bit longer. BB & T bank which is Truist now. Has put me thru the wringer and I have no place to go because of the underwriter. Please help me out. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32060
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-31
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have XXXX so recalling numbers are extremelly difficult. In XX/XX/ I went to Suntrust to open a checking account. I explained my ex had stopped paying alimony for a year, so it was absolutly necessary that enough funds would be released for rent and groceries within the next two days. If the funds wouldn't be released, I needed to cash the payment elsewhere, retain the needed funds and I'd put the remaining amount in the account. The mgr kept saying a real person would verify the funds in the morning, so if the funds were available, they'd be released. Since the payment was coming from XXXX 's payment center, I explained the funds are removed from the account, before the check is even cut. After the funds are removed there's no stopping the payment. Previously, half of the funds were available immediately, and the rest the following morning. After several months, all of the funds were available immediately. She kept repeating the same statement, so I requested she verify the payment will be treated as a cashier 's check, rather than a personal check that needed to pull the funds afterwards. She checked twice and kept saying the funds would be verified and " if '' the funds were there to cover the payment, the funds would be released. Since cashing it elsewhere would greatly reduce the amount, I deposited the payment. The following morning none of the funds were available. Two days, three days, four days, five days, etc. the funds were not released. Everytime I contacted Suntrust asking why aren't the funds being released, they just kept repeating the funds haven't cleared. I kept confronting Suntrust that the payment is from a payment center that removes the funds before the check is even cut. Suntrust flat refused to provide a reasonable explanation for why the funds weren't being released. I contacted XXXX and they confirmed the funds should be available. In order to return the funds Suntrust had to close the account, which I insisted they do. I was extremelly angry, because after two months Suntrust was STILL saying the funds hadn't cleared. This was appalling and was clearly an act of spite. XXXX came out with a phone app to deposit checks into your account and the recent payments had cleared XXXX immediately. Because the check had been deposited, I didn't have an image of the check, nor did I receive any checks, statements, documents, etc. from Suntrust, because they " CLOSED THE ACCOUNT '' and kept insisting the funds hadn't cleared. I filed a complaint and Suntrust 's response was that I had to return to the local branch, close the account and obtain the funds. However, when I contacted Suntrust via phone, they stated the account had been closed two weeks after it was opened and there was no closing balance on the account. Suntrust kept refusing to return the funds claiming they hadn't cleared the account, which is a bald faced lie. When I kept calling Suntrust, the account was still open for weeks, but the funds hadn't cleared, so Suntrust kept saying they couldn't return the funds until after they cleared. On XX/XX/XXXX XXXX illegally locked my cell phone, and I don't have access to my gmail account and I've been unable to recover my account, because gmail is demanded to send a text to my locked cell phone. With each complaint I reported, Suntrust acknowledged the account was in their system and had been closed, but omitted having the funds and wanted me to go to the branch in person to avoid having anything in writing from Suntrust proving they're illegally withholding the {$36000.00}. I recently received a letter from Suntrust claiming they don't have an account in my name and consider the matter closed. This is a bald faced lie. Suntrust knows they stole this {$3600.00} out of spite, because I refused to allow Suntrust to sit on these funds indefinitely and keep the account with Suntrust. This may not seem like a lot of money to some people, but this is four months rent from me. Suntrust was repeatadly told these funds were sorely needed and I wasn't going to keep an account with Suntrust, if they weren't going to release the funds for months after the check was deposited from a payment processing center. I'm facing eviction and homelessness, because Suntrust refuses to return these funds. Since Suntrust acknowledged the account for 6 months, kept insisting they couldn't return the funds, because they hadn't cleared, and later wanted me to deal with the same lying, deceitful individual I endured before, which I strongly felt just wanted to publicly humiliate me further, I demanded Suntrust mail the check. There's proof this account was opened, there's proof the {$3600.00} never cleared, there's proof the account was closed, but there's no proof that the funds were returned. Suntrust is maliciously exploiting my XXXX ( protected by the Americans with Disabilities Act ) to avoid returning the {$3600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27302
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Access to my two accounts, one personal and one a d/b/a/ XXXX account, was completely blocked on XX/XX/2021 until I was ... forced ... to agree to electronic communication and a lengthy terms and conditions agreement, as part of the consolidation of BB & T Bank and Suntrust Bank . The lengthy agreement is something that should be reviewed by a lawyer. The electronic communications agreement includes text messaging. I do not text. Just as with 27.5 million other American adults I use a flip phone. This is something I've called to the attention of BB & T on, at least, two other occasions. There is no way to modify the " agreements '' especially the one dealing with electronic communication. That means that customers can not access their accounts without surrendering their control of their own XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On or around XX/XX/2021, I opened a personal checking account with SunTrust Bank with an opening deposit of {$500.00}. On XX/XX/XXXX I made two deposits totaling {$500.00} to SunTrust. On XX/XX/2021, I made an additional two deposits totaling {$500.00} to SunTrust, meaning my account had a final balance of {$1500.00}. On XX/XX/2021, I decided that I needed the majority of those funds in a bank account to pay my bills so I attempted to transfer {$1000.00} to an external account via the XXXX transfer system but it was rejected by SunTrust and I quickly lost access to my online banking. After calling into SunTrust, they informed me that I had to go to a nearby branch to confirm my identity. On XX/XX/2021 I went into a local branch with my ID, and an employee called into SunTrust 's mainline to assist me with regaining access to my account. On the same day, I regained access to my account so I reattempted to send a XXXX payment to myself to an external bank account for {$1000.00}, and it again, got rejected by SunTrust bank. That same day, I called SunTrust bank to ask them about the transfer and to determine the outcome. SunTrust informed me that it was rejected because the email I was attempting to send the funds to was not associated with a XXXX account ; I had recently linked the account using that email address, which I attempted to explain to them but they told me it would likely not go through and I had to wait 1-2 business days to make their determination. At this point, I attempted to transfer {$1000.00} by using an external bank account to do an ACH pull as I needed the funds as soon as possible. On XX/XX/2021, I attempted to log into my SunTrust account and noticed my account access had once again been blocked. I called into SunTrust to attempt to get my account access back to which they replied that I had to go back into a branch in order to verify my identity. I informed them that I had already did so on XX/XX/2021 - the customer service representative initially did not believe me. The customer service representative placed me on hold a number of times to discuss the issue internally and eventually informed me that my account was being investigated for closure and finally told me that it would in fact be closed but that no timeline was given as to when I would receive a cashier 's check for the {$1500.00} still in my account. On XX/XX/2021, I called into the local SunTrust bank and left a message for the employee, whose name was XXXX, that helped me regain access to my account on XX/XX/2021. XXXX eventually called into SunTrust and was informed regarding my pending account closure. After, I called back into SunTrust and was told that I could go into the branch to withdraw my funds. After receiving this information, I called XXXX back who told me that I would not be able to withdraw my funds in the bank as the account was pending closure and that I should call SunTrust bank as that information was untrue. I called back SunTrust one last time in order to determine an actual timeframe for the account closure as I need access to my funds ; SunTrust would not confirm a timeframe, nor would they provide any reasoning as to why my account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20910
Submitted Via: Web
Date Sent: 2021-08-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-29
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Wallet was stolen with social security card, military ids, state driver 's license at the beginning of XX/XX/2021. I filed a police report with XXXX police department in XXXX SC. I've been receiving credit statements and overdrawn bank account statements that I didn't apply for. XXXX XXXX Bb & t bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 290XX
Submitted Via: Web
Date Sent: 2021-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A