Date Received: 2021-04-29
Issue: Other service problem
Subissue:
Consumer Complaint: This complain is about BB & T the new Truist. We did 2 wire transfers XX/XX/XXXX. Was told it is free at the branch. the receipt printed not showing any charge. The fee of {$140.00} showed up XX/XX/XXXX. Called BB & T customer service, was told it is free at beginning, then was told it is not free because commercial account. need to go back to branch to solve. Branch told it is charged because of it is not domestic wire transfer which is not true. Requested to get the {$140.00} back, but can not even escalated the case to Truist 's CEO XXXX XXXX. What Bank did wrong? XXXX ). Can not provide proper receipt when doing wire transfer. This is a one-time service, not an annual service. Bank should print the right receipt when service is done. XXXX XXXX. Bank employee was not trained properly. Bank employee should tell the correct information. XXXX ). Service and customer experience need to be improved a lot. Bank seems trapped customer to use their over priced service. if we were told the cost is XXXX $ for 2 wire transfers. We definitely will not use the over-priced service. We will mail a check instead. Thanks XXXX XXXX / XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27511
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I need the account number changed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My phone with a wallet attached on the back was lost/stolen on XX/XX/2021. Both the password for my phone and pin for my debit card are the same. There was several transactions posted that was not authorized by me. The first charge started on XX/XX/2021 for a wire payment amount of {$2000.00} via XXXXXXXX XXXX Unfortunately I wasn't able to see this initial unauthorized payment until my phone was stolen forcing me to anaylze my entire account realizing the charges might be by the same person. More transactions posted for {$2500.00} on XX/XX/2021 and {$1900.00} on XX/XX/2021 Also 4 atm {$500.00} withdrawals. I've contacted SunTrust but they have no answers for me and no resolution yet, I've now filed a complaint with CFPB and writing another letter to SunTrust now to back my claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened up a checking account with SunTrust bank on XX/XX/XXXX. On XX/XX/XXXX of the same year, I had not been able to access my online account for a couple of days, so I contacted my bank, via their customer service line. I was informed that my account was under review and my account was unavailable for withdrawals and that SunTrust had also decided to close my account as well. When I asked why my account had been frozen, no reason was given. I was informed that my local branch may have the reason instead. So, I drove to my local branch, where I was told that they could not access or provide any specific reason why my account was being frozen, reviewed, or closed. I was informed that funds would be mailed to me once the review and closure was completed. When I asked for a timeframe, as I need that money to pay rent and bills, I was informed that there wasn't one. The only thing I could do was to just keep following up with the 1-800 corporate number. My current balance, as of today, is {$2200.00} and I was told repeatedly, in person and over the phone, that there is no way to give me my money. The best explanation I received was that my account was being closed for " loss prevention ''. Plus, once this " review '' is completed, the only assurance I have received is that my " remaining '' balance will be mailed to me. I have received no assurances that my current balance will be returned, only whatever remains after they decide how much of my own money that I get to keep. I have never had a negative balance, overdrawn my account, or been charged any penalty fees of any sort. I have no court judgments and owe no creditors money. I was also never contacted in regard to this action. The only way I even found out was because, of my own volition, I contacted customer service regarding my account. How am I supposed to pay my rent, which is due on the XXXX of each month, when my bank, for no reason that they can provide to me, froze my account funds for an unspecified amount of time and took my money, so that they can use it in various aggressive investment? My money has been held unjustly. I am not a criminal. I am a low income XXXX female that has been collecting unemployment. This is an unlawful garnishment of my government provided unemployment income. These people claim to " care '' about XXXX justice, but in practice we are just pockets for them to rob from.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-28
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: On XX/XX/21 my checking account was overdrawn by {$630.00}. On XX/XX/21 I received {$1400.00} stimulus direct deposit. My account then was a positive balance of {$760.00}. On XX/XX/21 I received a deposit from Suntrust Bank ( bank where account is held ) for {$630.00}. Called TEMP RELIEF DEPOSIT. I was unsure what this was exactly - I figured it had to do with stimulus bill. I did not contact the bank with questions. On XX/XX/21 {$630.00} was taken from my checking account by Suntrust - removing the deposit they put in on XX/XX/21. I call the bank customer service number a d was told a letter was sent and it was a TEMP LOAN so that I would have access to the entire {$1400.00} of stimulus payment and was going to be removed in 30 days. I never saw the letter - I have moved since then.. I called yesterday to my former landlord and asked if I had any mail. He said yes - he sent me a photo of the letter. It is dated XXXX the day of the deposit and the envelope has not postmark. Not sure when it arrived, but was after the deposit was already done. I was never given this as an option.. just was told we as a bank did this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 347XX
Submitted Via: Web
Date Sent: 2021-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2021 at XXXX XXXX I got a call from a person saying from XXXX if the charge for {$1400.00} for an XXXX on my bank account was made by me and I said no. And they said they would put the money back in my account and added XXXX more which was XXXX which I watch them do on my bank account online app. Then I went to the bank to wire their money to them. But I found out someone unauthorized a transfer from my savings to my checking which was not connected with any overdraft fees and use my money to do it. And they are claiming that is was a scam and possibly could not recover the money in scams. But the problem was never going to be a problem because I would not have sufficient funds to wire to them because it was not transferred by me and there would be no money to wire so it is their problem if they don't have enough security to unauthorized have a transfer move from my savings to checking my life savings and have it be gone because I would never send my own money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33309
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: CFPB, I have a mortgage with Suntrust mortgage. It is XXXX XXXX. Due to the Covid 19 pandemic, I was laid off from my job for quite some time. The government has assisted mortgage companies a lot in order to help everyone during this tough time during the pandemic. Now that the dust is settling and we are going back to paying our mortgage, they are not allowing for refinance. My mortgage company, Suntrust, is offering 3 options : 1.Pay it all back now- ( how would a hardship person have this money? ) and they did not mention is it is on top of the principal or if it will be subtracted, ( like it would be if I had paid the mortgage on time ). 2.Pay it all back after the mortgage ends, ( adding a year of interest and principal on the mortgage, essentially turning it in to 31 year mortgage ). 3. add 10 years on to your mortgage, ( interest included of course ) We did not discuss option 1 and 3, but option 2 adds last years ' unpaid on to the principal after the loan terms are completed. I believe that option 1 adds it as a payment, but does not adjust the principal for payments due, like it would had made the payments. Here is an example if there were 10 years left on mortgage loan : Principal before pandemicXX/XX/XXXX- {$100000.00} ( 10 years left to pay ) Unpaid mortgage payments less the escrow {$1000.00} per month, or {$12000.00} total for the 12 months unpaid Mortgage payment distribution per month, of {$1000.00}, {$750.00} goes to principal and {$250.00} interest Option 2- Start paying again and add 2020 to the back end as a balloon payment- {$1200.00} Principal on XX/XX/XXXX- {$110000.00} The mortgage is no longer 10 years, it is 11 years, ( except the balloon payment is due on the date of payoff ). They are screwing everyone! They are making a profit on the COVID 19 pandemic by forcing homeowners that had hardship in to bad terms. THIS IS UNFAIR BUSINESS PRACTICE! These mortgage companies were bailed out by the government and now they turn around and XXXX the people they are supposed to be helping. What can be done? XXXX XXXX Hardship homeowner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87123
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Regional Acceptance is reporting different last payment information on each credit report. Creditor is inaccurately reporting the last payments as being on XX/XX/XXXX XXXX XXXX XXXX XXXXnd, XX/XX/XXXX XXXX XXXX XXXX The last payment I made on this account was on XX/XX/XXXX for {$650.00} via XXXX. Creditor is falsely trying to reset the debt statue of limitations for North Carolina by reporting inaccurate payment information and activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27520
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-27
Issue: Problem with customer service
Subissue:
Consumer Complaint: Opened an account with suntrust bank on XX/XX/XXXX. Moved from out of state and deposited my life savings. Account was rejected on XX/XX/XXXX with a letter stating my check would be mailed to me within 15 business days. I called and was told I needed to submit 2 forms of ID and a notarized letter from my previous bank in order for my money to be released.Submitted the paperwork TWICE ON XX/XX/XXXX AND XX/XX/XXXX saying it would be processed within 24-48 hours. CALLED AGAIN TODAY XX/XX/XXXX AND NEED MORE DOCUMENTATION! I havent had access to my money from XXXX goin on XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I inquired with BB & T about forbearance on my VA backed mortgage, with the thought of keeping it as an option in case my financial situation took a downturn. I never actually accepted the forbearance, and never heard back from anybody after my initial contact. I found out my mortgage was put into forbearance without my knowledge when it was reported to the credit bureau and my score dropped XXXX points overnight, putting me in a very bad spot ( Im a XXXX Veteran and in the process of modifying my home to suit my XXXX ). Attempts to resolve the situation with BB & T have gotten me nowhere, with the only information given to me by a representative named XXXX, who informed me I needed to write them a letter XXXX but could not provide me an address to send the letter to ), and then wait 15-30 days for a response. She also told me that if it was reported to the credit bureau, it was by mistake as I have never missed a payment, but again offered me no options to remedy the situation. I was told supervisors do not take calls. In short, my mortgage is in forbearance and being reported as such, though Ive never missed a payment, and I have been given no options to remedy the situation or even to continue making payments ( I was told I cant make payments while in forbearance ). I need this resolved ASAP, as my physical well being depends on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34472
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A