Date Received: 2021-05-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: About 20 years ago my ex XXXX and I divorced. I have fallen behind on the mortgage and contacted Suntrust for assistance. They collected documents for months and even after weekly phone calls told me I was denied for a modification for missing documents. At that point the opposing counsel was put in charge of collecting documents. I submitted documents to the counsel. I was told that I had to send in income documents from my ex XXXX who has not lived in the property for XXXX years ( I have also remarried and submitted my current XXXX who lives there now 's income ). I then contacted FHA directly and received an email from their representative stating that the lender does not need my ex XXXX XXXX income. I then forwarded this information to opposing counsel. Opposing counsel sent me back an email that they were not going to follow the directive of FHA. They are refusing to review the income that is part of the household and blocking me from receiving the assistance that FHA has in place for their homeowners. I would also like to note that I have submitted the quit claim deed and divorce decree granting me the house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2021-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Dear CFPB, My complaint is against SunTrust Bank regarding refusal to properly apply mortgage payments and charging late fees for payments that were not late. I feel like I was forced into asking for a partial claim through Suntrust 's XXXX XXXX when I wasn't behind on my payments. I also feel like SunTrust failed to properly process my home preservation application and my eligibility for their programs to remain in my home. SunTrust Bank stated they never received payments from me for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX although I have repeatedly sent proof of payments of checks cashed by SunTrust for these months from XXXX XXXX and copies of money orders. I received notice from SunTrust stating my loan payments stated above were not paid and I was referred to XXXX XXXX because I was behind in the payments listed above which was not. So, I completed the Home Preservation documents and submitted them to XXXX XXXX of SunTrust XXXX XXXX to hold onto my home until the matter of the payments could be cleared up. SunTrust put me on a forbearance through XXXX, XXXX with a promise of a partial claim at the end of the forbearance period. Since sending the cancelled checks to SunTrust and speaking to several representatives trying to clear up this matter, I have never heard back from anyone including XXXX XXXX, XXXX XXXX, XXXX XXXX and others. I have sent several emails and I have had several phones regarding this matter with SunTrust representatives. The payments were made as follows : Listed below are the checks and money orders SunTrust cashed through XXXX XXXX but refused to acknowledge the payments were received from me. I sent you photo copies from the bank via email to SunTrust representatives.. XXXX XXXX, XXXX and XX/XX/XXXX payments were made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX Number XXXX in the amount of XXXX dated XX/XX/XXXX. XXXX XXXX XX/XX/XXXX payment was made with attached XXXX XXXX XXXX XXXX in the amounts of XXXX and XXXX totaling XXXX. My complaint is against SunTrust bank and I am making the complaint on behalf of myself. Thank you for your help in this matter. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I have been offered a " work study job '' sent to my school email talking about helping a person make payments on his behalf on XX/XX/2021. This is that email. XXXX You were referred with 10 other students from the XXXX XXXX XXXX XXXX XXXX to work and study for {$400.00} weekly, XXXX XXXX and XXXX XXXX looking for you to fill up this available position! If interested, kindly send your phone Number and personal email address for better communication for more details also needed. Regards , XXXX XXXX XXXX This person then sent me this. I work as a XXXX XXXX for the department of XXXX XXXX and XXXX XXXX ( XXXX ). I provide individual and group therapy, coaching, assessment and academic screenings to support students with XXXX ( XXXX, XXXX, XXXX, and XXXX ) registered with ( XXXX ). A large percentage of the students served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need XXXX health support to be successful at the university. Guideline & Benefit as follow : **Weekly payment {$400.00}. **6-8 hours weekly ***Instruction on the first task will be sent via email. **You will only help me Mail letters, make payments at XXXX and purchase some Items when needed. Provide me with the following details below to Apply : Full Name : Full Address : Apartment number : Current Occupation ( If Any ) : Gender : AVAILABILITY : How often do you check your email daily___________? I look forward to a long-lasting working relationship. / Sincerely , XXXX XXXX XXXX fell for this and did it. I was told to buy business check paper and print out a check that was emailed to me. I then was told to make payments through XXXX to emails I was not sure about. There was 5 total. 4 Through XXXX connected to BB & T XX/XX/2021 of {$350.00} through XXXX XX/XX/2021 of {$500.00} through XXXX XX/XX/2021 of {$350.00} through XXXX connected to my bank XX/XX/2021 of {$300.00} through XXXX XX/XX/2021 of {$400.00} through XXXX Total of {$1900.00} I then realized that this job does not match up with the job description and I copy and paste the email into XXXX and found multiple websites with the exact same email with different names saying it is a scam. I have contacted BB & T ( my bank ), XXXX, and XXXX and I am unsure if I can reverse the amount since I authorized the payment on my behalf. I have included the emails and some screenshots of the text and can send more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Suntrust Online XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/2021 Re : Events leading to Missing Funds Account # Suntrust Bank In early XXXX I deposited a cheque from Suntrust to my XXXX XXXX XXXX in XXXX. This cheque was rejected by Suntrust for some unknown reason? No attempt was made to contact me by email or text to alert me that a suspicious cheque had been received. I became uncomfortable with the fact that my funds might be at risk if left with Suntrust. XX/XX/XXXX, I called Suntrust and asked to close my account, send the balance, by XXXX at my expense, to myself in XXXX at XXXX XXXX XXXX # XXXX XXXX XXXX XXXX. The agent said ok and took my information. I asked her to repeat the address or I could email the address to make sure it was correct. She answered no need I have it? Two weeks later I called Suntrust to see where this cheque was. The agent said the account was closed on XX/XX/2021 and a cheque had been sent regular mail and it would take at least 10 days. She asked that I wait a few more days. Called again at 3 weeks and the agent said part of the address was missing but would not say which part. I asked how a cheque of this size could be mailed with an incomplete address? Reply, not sure in a confusing tone? I asked that the bank put an immediate cancellation on this cheque and issue a new one to the right address. She replied we would need the original cheque back before they take any action. I asked how I was to return a cheque that was lost in the mail? And if I had it why would it need to be returned, I could just deposit?? She then said she would put in the request. Called again at 4 weeks, same response except this time the agent was not sure that the said cheque had ever been mailed? Again I asked that this cheque be cancelled and the funds returned to my account. She replied that the account had been closed and that they could not reactivate from internal that the local branch on XXXX XXXX in XXXX XXXX would have to do it? I tried calling the branch at XXXX numbers. One I got a message that the branch was closed and the other said leave a message. Week 5 and none has got back to me from any of these contacts? XX/XX/XXXX called, asked for a supervisor who checked with the internal department and said I would need to complete the attached letter and request the funds again? Called XX/XX/XXXX, agent Patience, spoke to internal again and they were to put a stop on the original cheque and issue a new cheque. I was to call back on Friday. XXXX XXXX spoke with XXXX who stated that they needed a few more days before they could investigate and respond. XX/XX/XXXX Each call takes 15 to 30 minutes by the time I answer all security questions and wait 5 to 10 mins between agents. These are international calls and very expensive. Spoke to the agent and asked to be transferred to Patience, the last supervisor to look at my case. She would not take the call, however said that I would now have to provide a signed letter of Indemnity. This letter would be mailed to me regular mail. I replied, just email the form and I can mail it back? Agent, we cant do that. OK then send it to me by courier, Agent sorry we cant do that. ME, so your going to send this form by mail, like you did with my cheque weeks ago. Like my cheque, this letter may or may not be mailed causing another month delay? It looks to me like you are using every possible tactic to delay sending my money or you are simply trying to steal it? Agent, no we wouldnt do that. I asked for the contact info for head office and their legal department. Reply, we cant give those out. I asked to speak to someone in upper management? I was patched through to XXXX XXXX who claimed to be a manager? I expressed my discontent with their tactics and stated that it was absurd, in this age of technology, to have to mail a blank form and further hijack a clients account in this manner. We are RVers on a cross country trip and forced to stay put waiting for a letter that may or may not even have been mailed. This cost us an extra {$600.00} in fees last month. I stated again that I was lied to from the very beginning so I am very suspicious of what anyone from Suntrust suggests at this time. The manager XXXX said he could arrange for a call from head office, now I have to stay by my phone waiting for a call that may never occur. The very fact that they are requesting an Indemnity letter is, in itself, an admission of guilt or wrong doing. So far not one agent has mentioned a reference code for this issue, not one has provided the same answer, not one has mentioned notes on file about prior contact and each time the matter gets referred to some internal department. My conclusions so far is that Suntrust either is deliberately trying to delay my funds or simply keep my money? The only other explanation is that the agents are deliberately messing with this transaction or this bank is just that incompetent? My account was closed based on a phone call, now a phone call is not acceptable to reverse this transaction or come to some means of returning the funds taken from me 5 weeks past. Your cooperation in resolving this issue as soon as possible would be much appreciated.
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: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX XXXX. XXXX XXXX, XXXX, PA XXXX XXXX NON-FCRA OPT-OUT TAKEN - HARD INQUIRIES DISPUTES : I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is bot 100 % legitimate. Accordingly, under review of 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the U.S. Department of Justice. LISTINGS OF ALL HARD INQUIRIES I DISPUTE AS DAMAGING TO MY CREDIT PORTFOLIO PLEASE DELETE THE FOLLOWING UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX, XX/XX/XXXX IMMEDIATE ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS SUCH AS CREDIT KARMA AND CREDIT XXXX. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASSE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I may have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: BBT Bank made me a {$200.00} reward offer If I opened a new checking account which I did on XX/XX/XXXX and met certain requirements including 2 direct deposits within 60 days of opening. I met all the requirements as stipulated in the offer. Under terms of the offer, the {$200.00} reward would be applied by XX/XX/XXXX. Even after several invalid excuses, they have failed to keep their promise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I did a XXXX transfer and the funds were in the account when you review my account on the system after the transaction cleared I had a positive balance. My balance became negative XXXX cents after the {$36.00} over draft fee was issued. I first spoke with XXXX ( XXXX ) and then was transferred to XXXX ( in North Carolina from the original XXXX XXXX XXXX XXXX XXXX ). Ive had multiple refunds issued because of bank system processing issues over the past year and its gotten worse. Ive banked with the now Truist formerly Suntrust since I was XXXX and back around three other mergers of the banks name. I dont have a misunderstand of how to do banking. Ive worked in banking for over 20 years. The supervisor or agent XXXX said she couldnt issue a credit for the overdraft fee, because of previous courtesy credits. I told her she needed to review my entire banking relationship with suntrust as a whole and that she would see I clearly have more than XXXX cents in funds in the bank. I have a business account and my mother has accounts with Suntrust as well. This type fee abuse is what is hurting customers and why there have been documentaries made about other large banks like XXXX XXXX. My desired resolution is a multi-part solution. 1. Refund my overdraft fee and dont mark it as a courtesy credit mark it as a bank error because we all know from looking at the online banking and ledger that if the funds werent there the item would not have been allowed to clear since XXXX Im 95 % sure is based on guaranteed funds. 2. Review my account ( s ) because any other fees that have been refunded are not courtesy refunds in regards to overdraft fees. Put a huge note on your banking software system that clearly states if the fees were marked as courtesy credit that its wrong and that there was an error. 3. Make it to where your system has a full relationship review to ensure that anyone thats reviewing a customers relationship with the bank can clearly see that the customer is maintaining a healthy business relationship with the financial institution. 4. Let customers opt out of hearing the same Truist merger information about underwriting and Suntrust and BB & T having different underwriting policies until everything is finalized specifically to those customers that are in areas where there is no Suntrust locations or no BB & T locations. Im in XXXX, TX and there are no Suntrust branches here. Also the BB & T branches here all XXXX from my experience. I went in to get a cash advance and the woman said the machine had not worked since the storm back in XXXX and I told her that had been well over 41 days so why did the cash advance machine still not work after 41 days. ) 5. Also I have another issue, I need to have an affidavit issued that shows my old account that I had for 9 long years before it got messed up had been closed due to ACH/Debit Card abuse and that it wasnt my fault so that I can provide to Krogers collections department to have any collection fees reversed and the negative {$22.00} collections information on my credit report removed. There are no Suntrust branches near me the closest one is over 8 hours away and forcing a consumer to have to go into the bank to fill out this form is wrongful and is hurting my credit score and delaying me from having a healthy financial portfolio. 6. My hourly rate of pay is from {$45.00} to {$55.00} per hour so now that Ive spent well over an hour of my time dealing with this XXXX, I should be paid by Suntrust. But I guess Ill let this one slide. Do better Suntrust because now you are Truist and XXXX not impressed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In XXXX of XXXX, I entered into a mortgage forbearance agreement with Suntrust Mortgage company as a result of the pandemic. This forbearance was in-line with federal guidelines allowing those impacted by the pandemic to postpone mortgage payments until such a time that they could resume making those payments. Once I was confident in my ability to resume payments in XXXX of XXXX, I began making my mortgage payments again. At that point, 10 months of mortgage payments ( including escrow for property taxes and property insurance ) had been forbeared, totaling approximately {$32000.00} based on my monthly mortgage payment of {$3200.00}. Some dollar values had shifted slightly due to an escrow analysis that was performed, but the escrow amounts hadn't changed materially. On XX/XX/XXXX, I made my first mortgage payment in 10 months of {$3200.00}. In XXXX, we spoke with a mortgage broker regarding refinancing our home out of forbearance. They were able to do it, but we needed to bring our mortgage current. So on XX/XX/XXXX, we made payments totaling {$35000.00} to bring the mortgage account current through XXXX. Unfortunately, Suntrust has not been able to apply those payments to our account properly. I have spent countess hours on the phone with them reviewing the issue with multiple people, and have been told on multiple occasions that it will be taken care of. It is impeding my ability to refinance my home, and I do not have any idea how to make my loan current. My online account currently shows an incorrect principal balance, and thousands of dollars in " unapplied funds ''. Loan payoff letters I have requested show a principal balance of over {$450000.00} and payments only current through XXXX - the principal balance remaining, with my payments made, should be {$410000.00}, and the loan should be reflecting as current through XXXX. Suntrust is essentially holding my money hostage, and I believe their motivation is to not allow me to refinance into more favorable mortgage terms. My ability to refinance my mortgage is being placed in jeopardy due to their inability to take action on a simple matter, where I have 100 % fulfilled my duty to them. I am hoping for assistance regarding this, but will have to seek out legal counsel to pursue the matter if this goes on any further.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: This is a formal complaint against Sheffield Financial Corp located in XXXX, NC. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act as well as the Fair Credit Billing Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA & FCBA. Despite my efforts to resolve this unfortunate nightmare for several months now, Sheffield Financial Corp has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of several other complaints filed against this company for their illegal and unethical business practices. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77523
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Unfortunately, at the time of the incident mentioned above, I had job loss during this COVID19 Pandemic. Aside from this unforeseen and unavoidable circumstance, you will see that I have an excellent payment record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A