Date Received: 2021-06-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There was a debt in my name that wasnt from me. I disputed the debt through XXXX letting the company know that the debt is fraudulent but the company wont take it off and delete it from my credit report. Ive asked them to verify the debt and nothing just happened!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I was trying to do my homework and get help from XXXX. And the ad popped up and I clicked it to get an estimate and put my information in. That's when they charged me that first amount. Then they charged me again and when I called the website for a refund they said their account policy is that to get a refund it has to be a minimum of {$11000.00}. Then they took my XXXX and cashapp info and automatic transactions had been going on until there was no money left in my account. I thought this was all normal when I ran out of money I asked my family for money. That's when my family told me it was a scam. I have contacted my bank which is BB & T. They have denied all my dispute saying that the transactions were authorized. But I haven't authorized anything. I do not know how all that happened. When I asked if they can do a chargeback, they can't do that either. And I already did a police report. XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$400.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXXXXXX XXXX XXXX CA XXXX {$390.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$500.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$100.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$450.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$550.00} XX/XX/21 ZELLE PAYMENT TO XXXX PAYMENT ID XXXX {$520.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$470.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$500.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$520.00} XX/XX/21 DEBIT CARD MISC DEBIT XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX {$530.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$270.00} XX/XX/21 XXXX PAYMENT TO XXXX PAYMENT ID XXXX {$250.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$1000.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$990.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$800.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} XX/XX/21 XXXX XXXX XXXX XXXX XXXX DEBIT CARD MISC DEBIT {$500.00} total amount = {$10000.00} Website which took my money : XXXX : XXXX their email : XXXX phone number : XXXX, XXXX, XXXX Name : XXXX XXXX, 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: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I started with Bitcoin through XXXX since XXXX XXXX XXXX or XXXX I have now connected to BB & T Bank, which I didnt have before when money was stolen from XXXX XXXX XX/XX/2021, or was XXXX and there bank. But, since I opened another account with BB & T, that they are thieves also. I transferred {$61.00} yesterday from XXXX to BB & T and now on XXXX I only see XXXX transferred, vut there's no money on my BB & T Account. This isn't a paper check transfer, its cryptocurrency and should take less than a normal electronic funds transfer, due to better computer servers! So, please use me and my complaints, and I will be more than proud to show up for court cases?!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27858
Submitted Via: Web
Date Sent: 2021-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: BB & T/Truist sold my mortgage to SunTrust/Truist ( moving money around on their books ) and early in XX/XX/XXXX I was contacted about being in default. I spoke to someone at SunTrust on XX/XX/XXXX. My mortgage is in COVID forbearance. On XX/XX/XXXX SunTrust sent me 64 copies of the exact same letter stating I was in default since XX/XX/XXXX. 64 copies seems like harassment so I called them. They couldn't give me a good reason for why 64 copies of the exact same letter were sent on the exact same day. Since then, I've continued to get certified letters stating if I did not bring my account current they would begin foreclosure proceedings. I'm stressed out by all this garbage ; 64 letters seems excessive but to switch to certified mail threatening foreclosure after I had contacted them and confirmed my mortgage was, in fact, in forbearance has caused mental breakdowns due to stress created by the thought that I may be homeless before the end of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2021-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-15
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Started with Suntrust bank opening an account with someone with my same name then BB & T opening an account from internet application this all started when suntrust and BB & T merged as truist. 4 years ago i had a car loan with suntrust so it is just to coincidental for me. I want a letter from both banks stating accounts are closed and that someone needs to look into the policys of opening up accounts via internet. easy identity theft and why do they not require a valid photo ID for uploading on the web sites.I thought it was a goverment law you had to show 2 forms of valid IDs for identification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33919
Submitted Via: Web
Date Sent: 2021-07-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased an item on XXXX from XXXX XXXX XXXX in XXXX Tenn using my Suntrust debit card ending in XXXX. The shipment took almost a month from XXXX Tenn to XXXX Ga and was defective when it arrived. I emailed the Manager at XXXX XXXX to return the item and was told he was not taking any emails or calls for a return. So I disputed the charge of {$86.00} on XXXX with Suntrust by sending in an Affidavit and uploading all the pictures of the defective item. Suntrust sends me a letter from a third party XXXX asking for more information on XX/XX/XXXX. So I call Suntrust to inquire about the third party getting involved as I never agreed to have a third party involved on my banking decisions. I also sent email to Suntrust today at XXXX with all the additional defective pictures of the item. I just want to get my {$86.00} back for a defective item which is what I thought my Bank would do with a disputed item that is identified and verified with an affidavit. There is no resolution from Suntrust as of today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I noticed multiple hard inquiries on my credit reports that I didn't authorize nor did I benefit from the inquiries. The date was XX/XX/XXXX I have reached out to each of these companies on multiple occasions letting them know that didn't have permissible purpose but they have not removed these unauthorized hard inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21009
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Local real estate taxes went up, causing BB & T, now Truist, to increase the escrow payments and as a result my monthly mortgage payment. I had been paying my monthly mortgage payment automatically through my bank account with XXXX XXXX. I did not notice the information that my monthly payment had increased, and received a phone call once the next payment was due. I told the person on the phone conversation that I would increase the automatic payment to a little more than the new monthly payment to cover the difference. The next payment that was {$22.00} over the new monthly payment was held in a " suspend '' account because it did not include late fees from the previous month. None of the amount was applied until the next payment that was another {$22.00} above the normal new monthly payment was applied. This caused new late fees, and did nothing to catch up on the old late fees. While funds are in the " Suspend '' account they do not show up as applied to any payment, making the payment received and the payment due ambiguous. In fact the " payment due '' on the website appears to be below the amount sent. BB & T, now Truist, has developed a system in which late fees cascade even when payments are made on time, by holding funds that were sent in a " suspend '' account until they are considered late, and they are able to charge another late fee. A reasonable person would expect that the funds that were sent to be applied at the time they were received to the payment due, and any overages to be applied to past due charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 214XX
Submitted Via: Web
Date Sent: 2021-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Hi, After I filed a complaint with the Consumer Finance Protection Bureau about the practices Truist was engaging in -- after dragging out a refinance application for six months, they gave me two days to give them my 2020 corporate tax returns -- the bank denied my application. It seems likely that it was in retaliation for filing the complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Account Name : XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report. Account Name : REGIONAL ACCEPTANCE CO Account Number : XXXX Date Opened : XX/XX/2019 Balance : XXXX Reason : Identity theft Please remove this from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75701
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A