Date Received: 2021-05-06
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: its been 90 days since I ordered furniture on my debit card and the company never responded to my inquiries and never sold me the furniture that I spent well over {$2500.00} on. bbt has yet to refund me for these fraudulent transactions and its been well over 30 days since I filed a dispute. bbt has also blocked me from being able to call customer service saying I entered an incorrect code which I have absolutely no knowledge off so I cant even check on the status of my claim. I went to the branch and ofcourse she didnt speak XXXX well or at least pretended not too. BBT is always moving my transactions around, and changing the amounts of my transactions, which is illegal. I want my money back and my account fully audited
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 238XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
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 XXXX Mo XXXX XXXX XXXX XXXX, XXXX, 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: 76105
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: OnXX/XX/2021 BB & T processed check numberXXXX for the amount of {$1000.00} and onXX/XX/2021 they processed check number XXXX for the amount of {$2300.00}. The checks in question were stolen. They were cashed by XXXX XXXX and XXXX in XXXX AL. I filed a police report for the theft of the checks with the XXXX, AL Police Department on XX/XX/XXXX and another report in XXXX Al on XX/XX/XXXX for check fruad. I also filed a report with BB & T. On XX/XX/2021 I received a letter from Centralized Fruad Claims denying my claim because of negligence in safeguarding access to account information and/or financial documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a mailed account statement to an old address for a checking account that I did not open. I have contacted SunTrust ( Truist ) customer service to attempt to resolve the issue, and they are investigating. It is not clear to me how a banking account could have been opened with my information as a Social Security number would have needed to be supplied. This is extremely concerning
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: The problem is Regional Acceptance is reporting my debt as a charge off. However, I have been remitting payments to XXXX XXXX XXXX ( XXXX ). XXXX is the debt collection agency for Regional Acceptance. Regional Acceptance refuse to reclassify my debt as paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: My Suntrust Bank debit card was scammed by XXXX XXXX merchant, XXXX payments for XXXX were taken from my account in a matter of minutes. I received the alert on my phone and immediately called Suntrust. The scammer from XXXX XXXX took {$1500.00} from my Debit card account. I had my card in my possession. Suntrust denied the fraud claim stating inconsistencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, RE : XXXX, SunTrust This loan finances a condominium unit. I am complaining due to ineffective servicing of my mortgage loan and subsequent harassment for additional payment of flood insurance which is not due as my XXXX provides this coverage and it has been continuous. This loan was subject to a modification which was signed and notarized on XX/XX/XXXX. However, SunTrust did not process the modification until on or about XX/XX/XXXX and did not advise Borrower of finalization until the letter dated XX/XX/XXXX. During this XXXX XXXX XXXX XXXX month period before the modification was finalized by SunTrust, Borrower was unable to pay SunTrust electronically, however Borrower still made all payments of principal, interest and tax timely. Borrower in all cases, initiated calls to SunTrust to manually withdraw funds from his bank accounts. No insurance escrow was due per the terms of payment and Borrower was not aware of any escrow due until the letter from SunTrust dated XX/XX/XXXX and received XXXX days later. The XXXX is required to provide property and flood insurance for this condo unit and has provided continuous coverage. Borrower elects to purchase additional unit-owners coverage for property and flood and has provided these to SunTrust. The XXXX had flood insurance through XXXX effective XX/XX/XXXX XXXX. However, the XXXX elected to replace the flood insurance XX/XX/XXXX with a multi-lines policy effective through XX/XX/XXXX. Borrower uploaded the XXXX XXXX certificate evidencing flood insurance with SunTrust through XXXX and received confirmation on XX/XX/XXXX. Due to inefficiencies with SunTrust, described further below, Borrower updated mycoverageinfo.com again on XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Borrower also sent emails attaching said certificate on XX/XX/XXXX and XX/XX/XXXX. Finally, Borrower also faxed the original XXXX XXXX certificate and the XXXX renewal certificate to the Escrow department on XX/XX/XXXX and XX/XX/XXXX and has confirmations of the same. The multiple uploads, emails and fax confirmations of continuous insurance coverage were to no avail. On XX/XX/XXXX, SunTrust notified Borrower by letter that the forced share flood insurance policy they purchased had been cancelled. However, on XX/XX/XXXX, Borrower received another letter from SunTrust stating that they had purchased flood coverage. SunTrust had ignored the XXXX certificate showing flood coverage uploaded on their website when they purchased said policy with XXXX XXXX in the amount of {$6200.00}. After the uploads to the website on XX/XX/XXXX and XXXX, Borrower called SunTrust and was informed that once the XXXX policy was reviewed it would be cancelled. Borrower had not heard anything of this issue until again XX/XX/XXXX. On XX/XX/XXXX, by Escrow statement dated XX/XX/XXXX Borrower was informed that his new monthly payment was {$2500.00} from {$1200.00} and that he owed payment for the purchase of the {$6200.00} flood forced share flood policy. The next day XXXX called the SunTrust XXXX department and again uploaded the XXXX certificate and began a new series of uploads, emails and faxes as described above as the escrow department would not confirm that the XXXX insurance was received let alone accepted by SunTrust. At this time the collections department of SunTrust sprung into action notifying Borrower of a late fee and began the phone calls. Borrower received XXXX calls from SunTrust since XX/XX/XXXX in most cases explained the situation to the caller who advised me that I owe what I owe and escrow is another department. Borrower had made all required payments including XXXX. The insurance broker for the XXXX, XXXX XXXX, has offered to deal directly with the SunTrust escrow department. The purchase of forced share insurance for flood has been a pattern with SunTrust, although not at the current level. SunTrust bought and cancelled flood insurance in XXXX, XXXX and prior. Regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I recently went a few weeks ago to apply for a secured credit card for the first time at my local BBT Bank with my twin brother. A week later when we received our decision we found out that they accepted his application but denied mines. I then called my local BBT Bank and they said that when the application was sent off the company had combined us together and then they said I had to contact you all to fix this because you all think my brother and I are the same person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 234XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I currently have credit cards with XXXX XXXX and suntrust and due to the pandemic I had been having financial issues and as a result I have enrolled in a debt relief program to handle all of my debt called National debt relief. Suntrust was made aware of this over several months ago. Since being made aware, Suntrust bank revoked card privileges over 6 months ago. The problem I am having still is that this card is delinquent over 190 days and they still have card open and charging open interest fees/ late fees instead of charging off the card. XXXX XXXX went delinquent same time as Suntrust and cards are now charged off. I have called Suntrust credit card department several times about this issue and they are not giving a definite date as to when this card will be actually charged off. Why isnt the credit card account number fully displayed on actual statement??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Because of a report of fraud committed against me thru XXXX transaction and then having some money been sent to me by family members thru XXXX to help pay for my fathers XXXX treatment after the fraud complaint the bank closed my account and treated me like if I was the criminal
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A