Date Received: 2021-08-13
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have had to tried over and over for two years to get this off of my credit is a repo now the account is saying closed when it should not of been considered a repo or closed seeing that in XX/XX/XXXX the vehicle was stolen and totaled caught fire the roof had to be cut off and the person who did it was held accountable and thrown into prison I press charges and everything it states on my credit that I didnt make a payment from XXXX I think its a like XX/XX/XXXX which is not true I paid my car payment every month Ive been till XX/XX/XXXX when the car was stolen and totaled I do not believe its fair that this is all my credit is a repo and I have done everything in my power that I can to resolve the issue bottom line is the car was stolen my insurance refused to cover it I am still going back-and-forth with them trying to figure out how I can sue them for not covering a car that I had full coverage on The company is ( XXXX XXXX XXXX ) ( bb & t dealer Financial services ) I have tried to personally contact these people for three years the last letter they sent me back was in XXXX and it was just a paper showing my payment I know where my payment stopped because the car was no longer a car it was totaled Ive done everything in my power to get this off of my credit I am begging you guys to please just take it off
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 152XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-13
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Due to the Pandemic I am still on unemployment. I had a automatic payment for {$45.00} which overdrew my account. The bank has charged a fee of {$36.00}. This fee will also cause other overdrafts to occur AND there will be another fee of extended overdraft since I will not be able to bring my account to a positive until my next unemployment deposit on XX/XX/XXXX. Transaction. XX/XX/XXXX Posted. XX/XX/XXXX Fee Amount. {$36.00} XXXX XXXX {$45.00}. Associated Transaction Amount Description OVERDRAFT ITEM FEE FOR ITEM {$45.00} XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I debited XXXX from my account and it posted as two transactions on XX/XX/XXXX. After reaching out to the company via the branch manager through two emails and a message on his answering machine, I received no response for two weeks. Then I made an appointment for the Manager to call me today and he never did. I also debited XXXX yesterday and that transaction posted as a double transaction as well. Now I am XXXX down and trying to make payroll for a small business is getting harder. Please see if you can help. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34608
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I have a home mortgage with Sun Trust Bank, XXXX. My wife passed away two weeks ago. I attempted to notify Sun Trust so they could update the names on the mortgage. They gave me a number to call, XXXX. When I called I was put on hold for 30 minutes and finally spoke with a lady that was rude, surly, and chewed my out for some information that the agent in XXXX had not provided me. At that point I decided that I would just pay off the mortgage and be done with it. The agent in XXXX told me to call this same number. They put me on hold for 56 minutes then hung up on me. I went by to Sun Trust in XXXX and requested that the agent help me. He refused saying I needed to keep calling the number. I contacted Sun Trust on line and a recording told me it would be a minimum of 30 days to get this information and they would only send it to a Fax machine. All I want is how much I owe on my mortgage and where do I send the check. They refuse to give me this. Any other bank would provide me this information in 10 minutes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I received a letter in a mail that BB & T ran my credit for a car loan. I did not authorize them to use my information. This is not the first time my personal information has been used or released from this bank. Its the main reason why i left
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30132
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: On XX/XX/XXXX, in the process of applying for a mortgage refinance with XXXX XXXX XXXX XXXX, the mortgage processor asked Suntrust for a document called a " Subordination Letter. '' As of today, XX/XX/XXXX, Suntrust has not complied. Mortgage processor from XXXX XXXX calls Suntrust weekly to find out the status of the document and is told " we are working on it. '' I went to local Suntrust branch where I do my banking ( since XXXX ) to ask them to find out what was happening. I was told this is just " how we do business. '' This delay hurts me enormously. And I might add, when I applied for a Home Equity Line of credit last year, it took over 5 months to close. My credit score is well over 800. When I complained to Suntrust, I received a call from a lady at their corporate offices who admitted the HELOC should only have taken 30 days to close. This is so wrong. I am a longtime customer of Suntrust but this doesn't seem to matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23116
Submitted Via: Web
Date Sent: 2021-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My credit report shows multiple hard inquiries on XX/XX/2021 for auto financing. I did NOT authorize any of these banks to run my credit. I am suspicious that a car dealership illegally sent my information to these banks without my consent and attempted identity fraud. Regardless, I have no knowledge of any application sent to the banks and did not apply for credit with any of the banks. Below is a list of inquiries from XX/XX/2021 on my XXXX credit report. XXXX XXXX XXXX XXXX XXXX - XXXX applications on same day! XXXX XXXX XXXX XXXX XXXX Below is a list of inquiries from XX/XX/2021 on my XXXX and XXXX credit report. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44313
Submitted Via: Web
Date Sent: 2021-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I had an auto loan with Regional Acceptance for a XXXX XXXX XXXX XXXX. The vehicle was deemed a total loss on XX/XX/XXXX. Regional Acceptance continue to report delinquent to the three credit bureaus although they were waiting for the settlement check from the insurance company. I spoke to several agents at Regional Acceptance that continued to ensure to me that there would not be a delinquent report on my credit report. The last representative I spoke with was named XXXX XXXX. She explained to me that I had to pay the remaining balance due on the auto loan with a renewal agreement and that there would no report of delinquency on my credit report. Regional Acceptance has made this process very difficult.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2021-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This year to date my bank charged me a total of {$3800.00} in overdraft fee. I called and asked if then could help me out and only got to waved. Been working thur the whole virus thing going on as a meat cutter and its busy plus even hard to find people to work. So when bus where on a limit scheduled I had to get uber at night to get home that was XXXX dallors one way.. I was now getting paid less cause just to get home at night. Then switched jobs and was making less then I was. Now in a another problem is landlord sold house and have no money to put down or go right now. Have no family to goto and going to be XXXX by the XXXX of XXXX so I was wondering if you could help me out with BB & T Bank and see if maybe they could waive it because I have no luck with them my name is XXXX XXXX XXXX XXXX XXXX XXXX PA, XXXX and it would be a blessing if you can help me during this time thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust Forebearance Timeline Suntrust sent out a letter during the covid pandemic. I responded to them in XXXX of XXXX about the forebearance program. At this point I was told by rep we would get something in the mail. We received first letter on XX/XX/XXXX advising we are being assigned Home Preservation XXXX XXXX XXXX XXXX XXXX. Shortly after on XX/XX/XXXX received 2nd letter saying we were approved for forbearance and payments suspended from may thru XXXX and would begin back in XX/XX/XXXX. I paid the XXXX mortgage in full. On XX/XX/XXXX another letter came stating the dates of suspension are changing to XXXX thru XXXX with next payment due XX/XX/XXXX. In XXXX I called Suntrust and the rep I spoke to advised me to pay my escrow if possible. On XX/XX/XXXX I paid the escrow of {$330.00}. On XX/XX/XXXX received letter asking us to find a solution for our hardship situation. On XX/XX/XXXX we paid XXXX escrow of {$330.00}. They sent back the check so we sent in another check. On XX/XX/XXXX we received letter wanting us to contact Suntrust about our delinquent account and foreclosure alternatives. I called them to ask why received the letter since I was in this program. They advised ot just ignore the letter. On XX/XX/XXXX I paid XXXX 's escrow in the amount of {$330.00} which they returned because they said they could not locate a valid mortgage loan number. I sent another check on XX/XX/XXXX. On XX/XX/XXXX I paid XXXX escrow. XX/XX/XXXX I paid XXXX escrow. On XX/XX/XXXX Suntrust sent letter acknowledging we contacted them about payment deferral. On XX/XX/XXXX I paid escrow of {$320.00} for XXXX. on XX/XX/XXXX I paid my XXXX payment of {$1200.00} per the changed dates Suntrust gave me to start normal payments. On XX/XX/XXXX we received another letter stating Suntrust received our request for payment defferal and are processing my request and late charges will not be charged during the process. I then called couple days later and spoke to rep who said to not make a XX/XX/XXXX payment because the full payment we paid for XXXX which we were not to pay will be applied for XXXX. XX/XX/XXXX we received another letter about foreclosure and on XX/XX/XXXX a letter saying we had been approved for payment deferral again. So after all these confusing letters, i called back in and another rep had told me to not send in a XXXX payment becuase the payment made for XXXX would be applied to it. When we received our XXXX statement in the mail it showed we were delinquent {$7700.00} as of XX/XX/XXXX. At some point after the statement we recevied a foreclosure letter again. So I was confused each time I spoke to someone. Each rep would tell you something different and that someone would call you back, which no one ever did. If someone called you back, they did not know anything or even an update. On XX/XX/XXXX another letter stating payment application correcion has been completed on loan, so I thought they finally fixed the payment for XXXX and put it toward XXXX. So in XXXX there were several calls to figure out when the deferal would begin. No one knew. They advised would have someone call back no one did. On XX/XX/XXXX I paid XXXX payment and XX/XX/XXXX i paid XXXX payment. On XX/XX/XXXX I received a copy of the deferral documents to sign and mail back. I mailed back XX/XX/XXXX and paperwork received by Suntrust on XXXX. XX/XX/XXXX I paid XXXX payment, XX/XX/XXXX paid XXXX payment, XX/XX/XXXX paid XXXX statement. On XXXX XXXX I received letter about delinquent accoungt and foreclosure again. I received notice on XX/XX/XXXX that my payment amount was increasing each month because of escrow. On XX/XX/XXXX I paid XXXX payment and received receipt in the mail. I received letter on XX/XX/XXXX saying Suntrust has not received my payment for XXXX. I called in to ask why I was assessed late fee and that they did not receive payment. Rep advised it was there error and to not worry about it and credited the late fee. On XX/XX/XXXX I paid my XXXX payment of {$1300.00}. On the same day I received a letter from Suntrust about my delinquent account and foreclosure. I called them again and asked why I am getting notfications about being delinquent. I was told that I did not pay my XXXX payment and each payment afterwards has gone toward the previous payment. I explained to the rep that I was told my XXXX payment was to go toward my XXXX payment and not to pay. They went through the notes said they saw everything and they would send this correction to the right team to have fixed. I was told someone would reach back to me to confirm. A week later I had not heard so I called back in and rep advised me still looks like being worked and I would have to wait. In the middle of XXXX received letter stating they have not received my XXXX payment. I called back and I asked for a supervisor to call me back. They advised would take couple days. No supervisor has called me back to this day. It seems no one really understands the program and how to fix the issue and make my payment for XXXX to be applied to XXXX so I still show delinquent on my account and I have not even checked my credit to see if they have marked me delinquent. I just want my account to reflect I am up to date. I can not seem to get anyone who can help fix the issue and it is very frustrating.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23831
Submitted Via: Web
Date Sent: 2021-08-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A