Date Received: 2021-08-25
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: BBT Mortgage loan number # XXXX. BB & T gave us a loan modification in XX/XX/2019 and informed us that while this modification was taking place to not make payments as this was my trial period, Since that worried us we asked if this would affect our loan or credit, They informed us this would not. Since this time they have reported our mortgage loan as delinquent during that time which is XXXX, XXXX, XXXX and XXXX of 2019. They lied to us and have been showing our mortgage loan delinquent since then. I called BB & T and spoke to a customer rep. that informed me they should have not reported us as delinquent because of the loan modification trial period. This is my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78240
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XX/XX/2021 my mortgage was sold to Truist Bank ( Suntrust ). This bank heavily encourages all mortgage holders to use their online payment services. Calling to talk with someone about payment is difficult - typical wait times are XXXX minutes with no option to get a callback. While waiting more messages are given that " you could avoid this waiting by using online services. Sign up now! '' The central issue is that signing up for Truist bank online services requires a person to sign the online user agreement. The agreement must be done to simply pay a mortgage payment each month. This agreement is XXXX pages of legalese most of which has nothing to do with paying a mortgage. Agreeing to the user agreement eliminates all user rights while preserving and extending the rights of the bank in its relationship with you. Among the rights you give away are your rights to jury trial and any other legal means of dispute resolution except mediation. It states that a bank employee may give incorrect information to you, but the user agreement prevails always and you have no recourse to address the conflicting statements made by a bank employee. It is a one size fits all document for every conceivable type of user of the bank 's services. Via nested document links you are also agreeing to the Truist bank " Online Privacy Practices '' document wherein it states that Truist will collect and use every piece of your private data it can access. Agreeing to the user agreement implies agreement to the online privacy practices. Their so-called privacy practices should be renamed the Purposeful Purloinment and Piracy of Personal Data. The circuitous url route to get to that info seems to be intentionally hiding the personal data piracy practices document. Even attempting to copy portions of their pdf document results in a backwards representation of information, clearly indicating obfuscatory intent : as copied from the Privacy doc : noitamrofni cilbup-non rehtO sdrowssaP semanresU srebmun tnuoccA rebmun enohpeleT liamE sserddA rebmuN ytiruceS laicoS emaN The above sentence reversed : " Name, Social Security Number, Address, Email, Telephone Number, Account numbers, Usernames, Passwords, Other non-public information. The entire list of what they will try to collect and how they go about it is outrageous, appalling, cunningly hidden, malicious, predatory and devious! There is an opt out process, but it is an illusion since it only applies to a " browser and computer '' combination. Using a different browser on the same computer or a different computer requires going through the opt out process yet again, ad infinitum as a person uses different computing or access methodologies. This can be obviated by having the opt out be tied to the user login process, but clearly Suntrust wants to make it difficult so that users will forget to do it or so that users will think that doing it once is okay forever. The document even says " When you visit a Suntrust website or otherwise interact with us online ... ''. What does THAT mean, " or otherwise interact with us online ''? More legal obfuscation to make the document apply to whatever online interaction may be used now or in the future, without having to inform the users. The entire Truist doctrine is to get EVERYONE online where they have to relinquish all their rights in order to do online banking or to do something as simple as sending a mortgage payment each month. Pernicious, predatory, perfidious practices designed to be difficult to read and understand so that users will simply acquiesce to the terms without truly understanding how egregiously they have abridged their right to deal with the bank in the event of any disagreement. This practice is not restricted to banks, but as presented on the Suntrust ( now Truist ) website it is the most appalling example of how businesses seek to confuse, overwhelm and seduce users into using their online services and signing away all their rights through obfuscation, legalese and structurally dense prose with redirects to more URLs to get to the salient information a user SHOULD see before agreeing to the debacle of an agreement that is being presented to them with an innocuous check box near the " Register as a User '' button. Not agreeing and having a user login is not allowed. Accordingly, I will be sending checks in the mail. I will never agree to such a one-sided agreement and no one else would either if they understood in simple language what was happening by agreeing. Please stop banks and businesses from doing this. It is manipulative, evil, devious, and wrong. Require more candid, easily understood language and stop the data capture for profit practices that are in no way a service to customers. These are processes with a corrupt intention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Other transaction problem
Subissue:
Consumer Complaint: Sunday night. My card declined. I found that that there is a XXXX transaction that I did not authorized. I was not able to cancel online. Someone hacked my online account. BBT bank failed to protect my money and declined my claim. I was scared that can happened again. I closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32962
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: XX/XX/2021, opened a checking account at BB & T, they gave me a few counter checks incase I needed access. Deposit over XXXX in the account, in XXXX I hire a paving company to redo our drive way, sent my wife with the counter check made out to her to cash it for XXXX ... ..her name is on the account POD, my money, they charged her XXXX dollars to access the fund and cash THEIR CHECK!!!!! This a racket ... .the state need to do something about this. Their check, no risk, they can look in the account and see if the funds are there and cash it. If not hand it back and try again tomorrow. What a joke ... .corporate theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28037
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My personal bank account with BB & T became overdrawn as a result of automatic debits. I attempted to login to my bank account to stop those. The bank had removed the ability for me - the client - to stop those without notifying me. I contacted the phone service with the bank after futilely searching online. By the time I did, the fees went through the roof. I met with bank employees and they were not able to reverse the fees. Now the bank has closed the personal account and taken money from a business account with the same bank. The bank has made it impossible for the client to manage overdrafts online. It appears to be a scam to simply charge outrageous fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am working with Sun Trust/Truist on a VA Streamline Interest Rate Reduction Loan since XXXX of 2021 and I have not heard anything on the status or anything about the where the loan is. Truist Bank XXXX XXXX XXXX XXXX, VA XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21244
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2021, I called SunTrust ( Truist ) Bank to originate a transfer in the amount of {$480.00} to close my checking account. I was told a transfer could not be initiated, but a withdrawal could be originated by telephone, and that I could expect to receive an official check within 10 business days. When the check did not arrive, I called the bank to open a Regulation E error resolution claim for a telephone-initiated transaction. When I called, I was first told I had to visit a branch to open a Regulation E claim. Then I was told that I had to complete a form and have it notarized to open a Regulation E claim. When I stated that Regulation E did not permit requiring notarized claims or in-person visits, the telephone representative transferred me to the fraud department. The fraud department stated they would open a Regulation E error resolution claim. Yesterday ( XX/XX/2021 ), I received a letter from the bank stating a notarized form and a visit to a branch were required to process me Regulation E claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Getting a line of credit
Subissue:
Consumer Complaint: This is a written notice to XXXX XXXX XXXX who acts as the ceo of BB & T and XXXX XXXX XXXX who acts as cfo of BB & T that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission 15 usc 1635. I rescind all signatures, endorsements, and consents of the use of my information. I demand all money be returned by check, I also demand the cancelation of any contract and security with you, and everything stated above mailed to the address of the principle XXXX XXXX in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: This is a written notice to XXXX XXXX who acts as COO of XXXX XXXX XXXX that I the consumer who acts as the agent for XXXX XXXX am invoking my right to rescission. I rescind all signatures, endorsements, and consents of the use of my information there of. My right to privacy has been violated, certain disclosures about the interest of my own goods were not given to me, and conspicuous disclosure about the finance charge was not given to me. I demand all payments, and money be returned by check, I also demand the cancelation of my contract with you, and everything stated above mailed to the address of XXXX XXXX in good faith.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX, four accounts were fraudulently opened at Sun Trust using my social security number, Dob, and address. Contrary to the information on your website, Sun Trust has refused to furnish copies of the applications used to open these accounts. I need this information to provide to the XXXX XXXX XXXX Police who are investigating this problem. My Case number with Sun Trust is XXXX XXXX. Sun Trust continues to tell me that the information is confidential and I am not entitled to it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33418
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A