Date Received: 2021-08-05
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: Accounts that's closed or negative ratings- XXXX XXXX XXXX XXXX XXXX Suntrust XXXX XXXX XXXX XXXXPolice Report #
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2021-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Refinanced this loan with a local bank. This local bank sent the payoff the Lightstream overnight. There is XXXX tracking information to prove the payoff arrived at the correct location and signed for by an employee. Lightstream admitted to the address being correct, but said they could not find the package. They lost the payoff. Lightsream took additional payments out of my account 3 days later and then again the next month. The local bank cancelled the first payoff check and again overnighted a new payoff check to the same address and their expense. This payoff was received and the loan was paid off. However, Lightstream is unwilling to credit me back interest from the time they received the original payoff ( which they lost ) to the time they received the next payoff. Some excuses from them have been as follows : the package was too heavy and there is no way of proving a payoff check was actually in the first package ( the one they lost ). How do they know the package was too heavy? They can't even find the package! We have made several phone calls to them and they will not talk to us about the issue since the bank is the one who sent the payoff. So, since they will not give us information on our account with them, the bank has made approximately 10 phone calls to plead our case. Only one time has the bank received a phone call back. The bank has asked twice for a refund of interest from the time period between checks. Both requests have been denied again with reasoning being there is no way of proving a payoff check was in the first envelope they lost. I do not believe it fair for a lending institution to lose a payoff and then continue to charge interest on my account. This seems like a very bad practice. A bank would not pay to overnight a package with nothing in it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 1. Identity Theft REGIONAL ACC Account Number : XXXX This is not mine. 2. Identity Theft XXXX Account Number : XXXX This is not mine. 3. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10035
Submitted Via: Web
Date Sent: 2021-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a {$2200.00} check to my checking account through the ATM of XXXX XXXX XXXX on XX/XX/XXXX. However, the fund availability delay was changed from XX/XX/XXXX to XX/XX/XXXX a week later. In the communications received from BB & T ( now Truist ), the Hold Type was Reasonable Cause to Doubt Collectability, and Description was Account Ownership Issue. Over the past few months, I have called several times and stopped by the branch- I believe I have proved the validity/collectability of the check deposited, with evidence from all parties involved. I have asked a representative from the payee company to call back as indicated. In addition, Im the owner of the business who was sending the check. Furthermore, the issuer of the check has confirmed the validity and suggests the bank to make the fund available instead of voiding the check, as it had already been deposited. Therefore, I believe the " Hold Type '' of " Reasonable Cause to Doubt Collectability '' and " Description '' with " Account Ownership Issue '' was no longer true. There is not ANY legal foundation in the Bank Services Agreement ( BSA ) or federal regulations suggesting that BB & T ( now Truist ) can hold the fund availability for XXXX years until XXXX. If there was genuine concern on the check, it should have been rejected in the first place, rather than accepting and withholding the availability, so that I can ask a new check to be resent. The fund has already been transferred successfully to BB & T ( now Truist ) and stayed there for XXXX months now, but I can not have access to the money. I have received neither reasonability nor sympathy from BB & T ( now Truist ), and have not even heard back from their Client Resolution Center since two weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I requested one loan from Suntrust DBA LightStream and had my credit checked twice for the same loan. Once on XX/XX/20 and once on XX/XX/20. I requested this error be rectified by the company and they failed to do so. I contacted XXXX XXXX and they requested I submit documentation along with my dispute, which I was to obtain from the FTC. I called the number they provided for the FTC and am being sent in circles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29690
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I tried to pay off and close my credit card with BB & T / TRUIST. Their website would not allow for pay off. After being on hold for approximately 1.5 hours, the best answer we could get was, " wait a day and see if your account was charged ''. This is unacceptable. XX/XX/2021 Payment did not go through, called in to BB & T / TRUIST again and was told that they could not accept a payment of more than {$5000.00} over the phone. When asked to speak with a manager or supervisor, I was hung up on by XXXX and another individual by the name of XXXX who both work in the credit card call center at XXXX This is horrible customer service and quite frankly feels as if they are making it hard for me to pay off and close my line of credit with their financial institution. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have received 2 emails from the bank, stating that my online banking access has been processed, and that my email address has been changed, respectively. Both transactions were NOT initiated by me. I have called the bank. For the online access I have received a reference number and the assurance that online access has been blocked. For the email address, the back refused to revert the fraudulent change, for reasons which I not fully understand. I am concerned that the fraudsters will try again and be able to access my account, whilst I am not able to prevent this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX, Sun Trust closed my checking account and confiscated over {$5000.00}. They have been holding my money claiming that my account is under review. I have spent over 3 hours on the phone with them trying to get my account status and when my money will be released. Despite talking with 7 supervisors in their fraud department, no one is willing to give me any information. It has been 20 days since they froze my account. I desperately need access to my money!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I keep receiving a collections from Truist Bank XXXX BB & T Bank regarding some bank overdraft fees. Accts. : XXXX $ XXXX {$110.00} The last collections came from XXXX XXXX XXXX XXXX ( XXXX ) their files XXXX XXXX and XXXX XXXX. I have requested the proof of debt which I received from XXXX on XX/XX/2021. Upon examing the proof of debt, I found out the person who opened and used the bank account had the same name as I, but absolutely a different person. Further, the address provided on both bank accounts was never my address. On XX/XX/2021 I sent a certified mail to XXXX explaining this debt was not mine and to a cease and desit any communication with me unlex they could actually prove that I was the one who opened and use those 2 bank accounts. For my dismay, yesterday, I received another collections letter from XXXX. This situation seems to be their modus operandis, where they keep harrassing law abiding citizens violation their FDCPA rigths. I want the bank to cease and desist this collection effort together with XXXX and or any other collections agency. If the resolution is not satisfatory, I will pursue the matter legally. I sincerely hope you can help me resolve this matter cleaning my credit and good name. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2021-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-04
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: When trying to open an account, I am unable to due to information on my XXXX XXXX report which I have disputed but shows accounts that have been closed and not paid however all debt has been paid and I owe nothing to those previous banks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A