Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have had credit cards and installment loans, that are still opened, deleted off my credit reports. A Government Employee is the one that is tampering with my credit reports. This incident began in XXXX of XXXX and is still ongoing. My address is incorrect and my employment information was incorrect from XX/XX/XXXX until XXXX of XXXX. The XXXX XXXX XXXX in XXXX, NC is the responsible party. The only Credit Reporting Agency that has all my opened accounts is XXXX, however the balances are incorrect. Also, lines of credit and amounts owed were also Tampered with to lower my credit scores with all 3 Credit Reporting Agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11590
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had XXXX in my account SunTrust and one day I was to the bank and they told me that my account was close for any reason that I didn't know.. After they told me that legal debt collection but the problems is that I didn't receive any documentation in my house regarding who's company I owed money. I would like to receive my money because is to many time that I go to the branch to ask then and I don't receive any cuestion. I contact already the department but they don't answer. This issues was more than 8 month but they took the money from my account XX/XX/2020 amount of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20783
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Mortgage payment to Suntrust Mortgage was submitted via My banks bill pay ( Typically takes 5 business days to receive and I have proof of sending payment thru my XXXX bank bill pay function ). Suntrust claims that payment was not received via mail in XX/XX/2020 and the payment ( {$1200.00} ) was deemed late ( I had to cancel the check ). They blamed it on the USPS. Loan was then put into default. I sent a second check to make payment. I then received notification that the initial payment was received but could not process due to it being cancelled. This same issue happened the previous month in XXXX XXXX as well. Suntrust reported the default to credit bureaus and now my credit score is the lowest that it has ever been. I have filed a dispute with Suntrust and was told it may take up to 60 days for review and notification of the results. Suntrust does not accept electronic payment of any kind unless it is thru their site. Since they only take mailed check, its my opinion that payment was not processed in a timely manner due to lack of manpower or issues within their own system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46845
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The complaint is in regard to Suntrust Mortgage 's repeated failure to acknowledge my timely submission of my monthly payment, handled automatically from my XXXX checking account. In addition, I have a more serious complaint about Suntrust 's actions on my credit report, but I'm not allowed to check two boxes, so I will submit it separately. For years I have paid my monthly mortgage payment to Suntrust Mortgage automatically from my XXXX checking account. I have records going for almost ten years, and I've never missed a payment. Last year Suntrust began assessing late charges even though my payments had been mailed by XXXX in a timely fashion. The only way to contact Suntrust is by telephone or in writing, but they don't acknowledge or answer written correspondence, ( more later ) so the only way to reach them is by telephone, with wait times averaging well over thirty minutes to speak to a human. Each time Suntrust would claim not to have received the payment on time, even though I could prove that the payment was mailed with plenty of time to spare. I even researched one of the payments and found that over 85 % of mail that was sent that week arrived on time, so it seemed highly unlikely that my payment took more than 3 times the normal time to arrive. I can't prove it, but I believe Suntrust is failing to open their mail and process payments in a timely manner, and is blaming delays in the US mail to cover for their poor service. I can provide written proof of timely payment for every month for the last year or more, if needed. Starting in XXXX I changed the mailing date for my payment to 14 days before the due date, yet Suntrust still claims not to receive the payments on time. Unable to get a reasonable response after hours on the telephone, I have written to Suntrust three seperate times, to the address listed for correspondence on my monthly mortgage statement. I wrote to Suntrust on XX/XX/2021, XX/XX/2021, and XX/XX/2021. Suntrust has not answered any of those letters or responded to my concerns. I have further concerns regarding their reports to the credit bureaus, and also about their treatment of my insurance on another mortgage, but I will submit those separately. Even though I have provided written proof from XXXX that the payments were made on time, Suntrust has not acknowledged that. Further, they harass me by calling my office, at one point every business day for weeks, then hanging up when I attempt to answer. Suntrust refuses to acknowledge timely payment, they don't allow me to communicate by email where there would be a written record, they only allow telephone contact after extremely long wait times, they don't answer written correspondence, and they have falsely reported me to the credit bureaus causing my credit score to drop from excellent by about 100 points. I am an excellent customer and have been mistreated, and they won't respond to my concerns.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22207
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76063
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-20
Issue: Other service problem
Subissue:
Consumer Complaint: I live in XXXX. Due to the fact that I had a XXXX on the one hand, and the XXXX situation on the other hand, it appears very unlikely that I shall be visiting the US in the near future. I therefore requested my bank in America ( Suntrust, now Truist ) to close my account and transfer the balance to my bank account in XXXX. The current balance ( as of today ) is US {$8.00}. I wrote to the bank on - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( letter ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( email ) - XXXX XX/XX/2021 ( letter ) I received a letter ( dated XXXX XX/XX/2021 ) from Suntrust on XXXX XX/XX/2021, stating that " We are unable to transfer funds to another financial institution ''. [ The comment of my banker in XXXX was " What nonsense, a transfer of funds is alwas to a financial institution! " ]. My account has still not been closed, the funds have still not been transferred and I have not heard anything more from Suntrust/Truist. A copy of the correspondence is attached. I have really tried my best. Any help from you would be much appreciated. Yours sincerely
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: 2021-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The loan payment ( Origination XX/XX/XXXX ) was not disclosed properly from the beginning. One of the two taxes that are paid out of escrow were missed ( the City tax was omitted and not disclosed until after the purchase of the home was complete and payments were being made, only the County tax was disclosed. ) The issue is that we purchased the home at our maximum payment ability and after the disclosure of our payment, we decided to agree to the debt ( based on that payment ) and pursued our new home ownership. Shortly after moving in we learned our payment would need to go up. This was an extreme hardship on us as we are at our payment limit. Every year, our payment is going up XXXX just received notice from lending institution that my payment is going up again! The letter from said institution is dated XX/XX/XXXX - Effective XX/XX/XXXX XXXX I called " customer service '' as indicated on the " Annual Escrow Account Disclosure Statement and New Mortgage Payment Notification '' letter dated XX/XX/XXXX. I called the number and spoke to the Institution 's representative named " XXXX '' around the XXXX of XXXX. She explained the " Escrow '' balance falls below their minimal threshold in XXXX & XXXX therefore my payment would go up to avoid the Escrow shortfall. I asked once the payment goes up again for the 3rd time would this settle the matter and she responded we will likely go through this again this same time next year. I explained our hardship and the mental fatigue of not knowing what our payment will be She said she " would look into the matter and get back with me ''. As of today, XX/XX/XXXX there has been no follow up from anyone. Here is my complaint ; We made a life decision to sign a promissory note, a 30 year commitment, based on supposed factual information and a " static and fixed '' loan payment. This is not the case, further, the Institution is charging me interest on this Escrow shortfall which is UNFAIR to me the consumer. The institution did offer me a temporary remedy for this year by demanding I pay {$1600.00} in the next 30 days or my payment will go up. Did the institution not see this coming months ago, indeed, from the inception of the loan so as to give a consumer some time to fund the Escrow shortage AND still make the normal monthly payment? I need this matter resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Seen fraud inquires on my credit report that I did not do and sign up for
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33484
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Suntrust Bank has violated the Truth and Lending Act 15 U.S. Code 1666 - Correction of billing errors and 15 U.S. Code 1666b. Timing of payments. They are reporting late payments and a repossession on my XXXX consumer report which is hurting my chances to get approve for credit. I have not received any letters from Suntrust Bank regarding late payments nor repossessing. This is reported in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30909
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A