Date Received: 2021-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have spoke to multiple branch manager of the years at Suntrust. I was never late on my mortgage. they reported I was late when they failed to electronically withdraw the payment from my online savings account. Please have them provide statements to show the monies were in the account to pay the mortgage,.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21204
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Our bank that we have had for over XXXX years was purchased by Truist now they are harassing me with opening new accounts or that forcing me an XXXX XXXX XXXX to go into local branch office if I want to do anything major with my account. We opened a new account online and because our internet goes through a VPN for security they blocked all internet access to my 3 accounts I own. I had to argue with them than spend 3 hours in the local branch risking Covid to get my account unlocked. They than said they would close the new account and we would have to open the new once again after Friday. I than called to get an account opened and they are saying we have to go in again because of comments on our account! The bank is treating me like I am XXXX and saying it's for my protection! That is XXXX they are harassing and abusing me for being a senior who want 's to open a new account for my other son! I stay in 90 % of the time except for doctor appointments or to pick up my medicine and they are wanting to force me to go out during a pandemic after XXXX years of being with the same bank! This is absurd! The reason they locked my account than 3 hours of supposedly getting it fixed and they refuse to allow me to do any banking over phone or internet like opening a new account! I am about to have to close a total of 6 accounts and go to an entirely new bank if they will not fix this but this is going to be a major problem as I will have to have my pensions, social security, and other payments and processes changed to all new accounts and cards. But I can not remain with a bank that is going to harass me especially during a pandemic and my age risk. They don't care and I tried to get it fixed over the phone with them speaking to managers and they will not do anything on there end!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33541
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was in forbearance because of COVID-19, on a property I own using BB & T now Truist bank as my mortgage holder. I made partial payments during the entire forbearance time. My forbearance was ending XXXX, 2021. BB & T would not allow me to make payments online as I always did, during the time of forebearance. Rather, I had to phone my payments in every month. My first full payment was not allowed to be paid over the phone, so I made my XXXX, 2021 payment in full at the local BB & T bank located at XXXX XXXX XXXX XXXX, XXXX, SC XXXX. My XX/XX/2021 was made in full also. I received a Possible Spam phone call and message from BB & T now Truist this morning from their collection department! I listened to the recording and immediately called back. XXXX from Collections told me I had been turned over to collections and the payments I had made for XXXX and XXXX went to paying off the balloon payment! I have a FICO score of XXXX and can assure you, I dont miss payments. I spent hours last month getting this same issue rectified over 13 different phone calls and numerous talks with managers. But, again I am being told wrong information which will effect my credit score. I requested to speak with a Loss Mitigation manager, but she stated there were none available. She would try and transfer me ... she dropped the call. I then called back and spoke with XXXX XXXX in loss mitigation. She stated my account was not in collections, but still in forbearance!!! I requested to speak with her supervisor, none were available to speak with me again. She gave me her supervisors name, XXXX, and phone XXXX. I called her answering machine and to expect to wait 24-48 hours for a call back. This type of stalling behavior is unacceptable and if it isnt already, be punishable by law. I am very concerned this abusive payment reporting/recording by BB & T now Truist, will result in my property being foreclosed for nonpayment because the bank is not accurately making my payments to the regular monthly payments, but instead the balloon portion, which is not due until the end of the loan or sale of property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-06
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: COMPANIES RAN MY CREDIT WITHOUT CONSENT. NO ACCOUTNS TO PROVE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20705
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To whom it may concern I have been contacted Regional Acceptance Corporation many times concerning my original contract with the company. I surrendered a vehicle on my own will, known as an XXXX XXXXXXXX To date XX/XX/2021 the car has yet to be sold. It is my intention to pay-off the remaining balance for the vehicle once sold, as I was verbally told by the company that this would be possible so my credit report would not show a large charge-off. When I made contact with the company as of XX/XX/2021 I was told that a report was made to all three credit bureaus showing the payment to be 180 ( + ) days late. I request your assistance in this matter, as this information is incorrect and I am trying to act in good faith here to resolve this matter correctly, as to not destroy my personal credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 521XX
Submitted Via: Web
Date Sent: 2021-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-04
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I ended my forbearance with Suntrust bank as XX/XX/2021 however I still can't prove that to bank which refinances my mortgage. They ask me to get a letter from SUNTRUST, showing that I am out of forbearance, but THEY don't give me that. I called THEM many times talked to many people, nobody was able to provide that letter.The bank statements shows that I make my mortgage payments properly since XXXX till today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75094
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23607
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust bought my mortgage from another lender earlier this year. I set up online, automatic mortgage payments, but Suntrust failed to process my last payment and notified me via postal mail that my payment was late. This mail arrived after they charged me a late fee. I submitted a complaint with Suntrust and am submitting a complaint here. Prior to this incident, I had called Suntrust several times to resolve problems with their poorly designed online payment system, which had previously prevented me from submitting automatic payments. During those prior months, I paid my mortgage via their phone system. Further, Suntrust claims they did not have my email on record despite having submitted this information to them. Suntrust also claims they did not process an automatic payment because a checking account number had additional numbers appended to it. This doesn't make any sense. Suntrust has successfully processed payments from this same checking account before. Finally, Suntrust indicated that their internal complaint process does not result in any responses to customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-07-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My husband and I had a joint checking account with SunTrust with consistent monthly deposits of almost {$10000.00}. The account was in good standing, was never overdrawn, and our balance was never continuously low but on XX/XX/21 SunTrust decided to close our account without warning or explanation. I had no idea they did this until I tried to pay for my lunch and the charge wouldnt go through. I contacted the toll free number and was told I had to go to a local branch with my ID for verification. I went to the local branch and was told to contact the Fraud Department. I contacted the Fraud Department who told me I had to go to a local branch with my ID for verification. I went BACK to the local branch and the banker called the Fraud Department with me in there. I was then told the account was being closed but they couldnt tell me why. After pressing for a reason I was told suspicion of fraud. Why? Because I make XXXX figures a year?! On top of that, they told me they would make a decision about the funds in our account and whether they would return them to us. SunTrust is holding our money, refusing to give it back, and the ONLY fraud that has been committed is the fraud committed on their end by closing our account and holding our money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2021-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-07-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My name is XXXX XXXX my account is XXXX I had an auto load in good with bbt aka truist. The vehicle was totalled and my insurance company paid the vehicle off in full. I made a full payment to keep the account current before the payoff and now my credit has been trashed minus XXXX points cause it was marked as late in XXXX but now paid off. i did nothing wrong and that account was paid on time and in full and I demand the credit be corrected to reflect the account in good stand this was like a slap in the face as we part ways and I am so XXXX XXXX. I will be filing state regulator complaints and filing a detailed complaint with the southern district of new york as I reside within that jurisdiction at my parents ny residents until my credit is restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14450
Submitted Via: Web
Date Sent: 2021-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A