Date Received: 2021-05-04
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: I have asked BB & T Bank to provide me with proof of my wet Signature stating that I agreed to any contract or terms and Disclosures that would allow the bank to close my account at any time. The Bank Offer XXXX XXXX sent me a copy of my Signature which is XXXX XXXX stating that I signed under Economic Duress which means I did not Agree to Anything on the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76110
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have several unauthorized inquiries from two credit bureaus, I did not apply for or approve anyone to pull my credit to apply with the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX auto dealer XXXX XXXX XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX dealer s XXXX XXXX finance XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76262
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced a property on XX/XX/2021 and the payoff was made within a few days. I am due a refund of my escrow balance which is yet to be received. Since the refinancing, I have received several emails telling me that my escrow account was being evaluated ... as it is this time every year ... so they are determining if my payment needs to be adjusted rather than returning my money. Multiple calls to the lender, SunTrust/Truist, when I can reach them, have only gotten a response about what their process is. I called yesterday, XX/XX/XXXX and was on hold until I gave up at over 49 minutes ... trying to take my granddaughters to lunch. I am actually on hold now and the message says the delay will be over 25 minutes ... the same message as yesterday. This level of service should not be allowed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19335
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have reviewed a copy of my credit report and I show company REGIONAL ACCEPTANCE CO account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Car was stolen and then found car was totaled by my insurance but I retained the car I then paid off the never ending loan with very high rate. Car was paid off XX/XX/2017 And I have still not got the title. I have spent many times on hold trying to get the title they always say it is getting sent out but I never receive it. I feel this loan was a predatory loan because the principal would never go down.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68845
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Suntrust bank in XXXX Md said I had a credit of {$5000.00} ask where to send i said put in checking, ask do I have to pay this money back she laughed and said no said in 4 days money should be in my account. Have spent about {$900.00}, put {$2000.00} in savings. Last XXXX XX/XX/XXXX person from Presidents office called said all money in my checking and saving they will take, I told her I would as a senior who receive social security and pension be devastated if they took all my money she said today XX/XX/XXXX she will call, spioke to a supervisor who said money will be taken today they have the right
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21206
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Due to pandemic and me going into XXXX XXXX currently on XXXX I was know longer able to afford payments on vehicle I had never been late with car payment once the pandemic hit and I became unemployed got sick and XXXX XXXX I ask bb & t can I surrender vehicle they stated if thats what I want to do. As I patiently pray for recovery of my XXXX XXXX and wait for a vaccine I have not been back to work once things turn around for me I would like to move forward in life I dont want any setbacks due to the blemish of charge off attached to my credit file I did not ask for this hardship and was a responsible consumer I would like the issue to be rectified. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33411
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: SUNTRUST BANK .... In XXXX ; Home paid/ newly widowed when bank repeatedly pressures me to take out a personal loan..ok for XXXX. ( for grandchildrens tuition ) Smooth talkers. Days later found it was MORTGAGE.!! Suntrust said Oh well when confronted. Contacted Corporate..same message!! I paid regularly.. Fall of XXXX Suntrust began pressuring me to increase equity loan.a bit ... would lower payments. Ok In XXXX COVID hit..mail sent payment was late.I.ran to pay it..huge fees followed. Suntrust changed mortgage ..without notifying me.in Fall if XXXX Statements stopped coming..I reached out repeatedly to no avail. .I continued reg. Payments & begin hearing payments are much higher now but conflicting amounts given ... finally get an amount,, pay it & not enough..late fees abound & my credit is affected. Suntrust now calls to help me..by talking me into selling my home & paying them off!! I said NO. Now mini-strokes abound! Fees going up & payments I made were funneled toward principle..to me, that alone is fraud ... .unbelievable!! This week, Theyre threatening to change mortgage again! HELP!! How can banks be allowed to ruin good peoples lives.. & targeting those whove worked all their lives & trapped by the high powered marketing & deceptive practices??!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Ref : Consumer Financial Protection Bureau ( CFPB ) Case XXXX On FOUR occasions now, I have tried unsuccessfully to withdraw money from my SUNTRUST checking account from their ATM located at XXXX XXXX ( XXXX XXXX # XXXX ), XXXX, FL XXXX. Each time, I was preceded by XXXX cars who also were unable to withdraw cash. Each time, the majority of us drove to the next door XXXX XXXX branch ( XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) ..., and were charged an ATM fee. While I eventually was able to get SUNTRUST to refund the charges, they : a ) Should never have been applied, because my account is supposedly eligible to have " up to 3 ATM fees waived for non-SUNTRUST ATMs. '' This is how Mrs. XXXX XXXX ( Assistant VP of Executive Services at SUNTRUST ) explained in a letter to me, in response to the REF CFPB Case number above. b ) Should never have happened if SUNTRUST would service their machines and load cash ..., like other nearby banks do. The dates and locations where these events occurred were as follows : XXXX XX/XX/2021 : Attempted an ATM withdrawal at XXXX ( when the bank was open ) but the transaction was canceled because the machine was already out of cash. I was forced to go inside the bank to withdraw cash in person. When I complained about the ATM being out of order, the cashier did not even try to see if there was a problem with the machine. XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. * Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX without success. ** Used XXXX XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to withdraw money. XXXX XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. * Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX without success. ** Used XXXX XXXX XXXX ( XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to withdraw money. XXXX XX/XX/2021 : ATM CASH WITHDRAWAL XXXX XXXX XXXX ; {$3.00} ATM fee. Attempted to withdraw cash from SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX ** Went to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, Sun XXXX XXXX, FL XXXX ). My main complaint is that SUNTRUST appears to be unduly enriching themselves by either understocking their ATMs or purposely not maintaining their machines in order to charge more ATM fees. Counting just the people who where in front of me on the four listed times above, the XXXX SUNTRUST gained at least {$30.00} in charges to customer accounts. I'm sure this amount is many times under the actual number of people who tried ( and failed ) to withdraw money on these dates. I would like SUNTRUST audited, especially the bank branch at SunTrust XXXX XXXX # XXXX, XXXX XXXX, XXXX, FL XXXX. This branch 's ATM in particular seems to always be down or out of money ..., even minutes after they close or open for service. I wouldn't use the term FRAUD, but there seems to be some surface-level type hijinks going on that is costing consumers some serious money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33579
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: New refinance mortgage loan with XXXX XXXX and loan sold to Suntrust Bank 2 months ago. Typical phone wait time to Suntrust is about 30-40 minutes to speak with anyone at Suntrust regarding mortgage issues. I tried to setup a ACH mortgage payments to Suntrust and I got a denial letter and now I tried to pay online with ACH and unknown if payment was accepted by Suntrust. Suntrust is the worst mortgage lender for poor communications. CFPB please help me. Suntrust loan # XXXX. Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A