Date Received: 2021-04-10
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: In my prior complaint XXXX I specifically mention a PERSONAL CHECKING ACCOUNT APPLICATION document including describing the machine markings on its face, all of which was transacted by the Branch Manager XXXX XXXX inside the locked branch center. In that prior complaint, the Truist response by XXXX XXXX amounts to falsehood, misrepresentation, and blatant lying. That same gibberish XXXX XXXX wrote twice previously. My complaint represents a very simple set of allegations -- - a crime involving an alleged forgery occurred. I applied for one account = PERSONAL CHECKING ACCOUNT APPLICATION was signed an TELLER SIGNATURE CARD was signed. -- - I learned about an unauthorized credit relation and raised objection at which point in time BRANCH MANAGER XXXX XXXX resisted any legitimate outcome so LIAR XXXX was engaged at the Truist Corporate Campus to write falsehoods and closed my complaint without resolving anything. XXXX XXXX refused to delete that fraudulently obtained credit relation from my credit report ; -- - I continued forward and objected to the continuing reporting of a fraudulently obtained credit relaiton. XXXX XXXX was forced to concede and eventually deleted that fraudulently obtained credit relation from my credit report ; -- - I continued forward demanding a copy of all documents and things whereupon XXXX XXXX spent the first 3-months withholding all documents and then eventually produced two documents consisting of an unathorized OVERDRAFT PROTECTION document I have never authorized nor did i sign that document. It appears to be some type of trace / forgery crime to achieve a credit relation I expressly declined at point of sale ; -- - Each step of the way XXXX XXXX concocts false narrative and continues to parrot those same XXXX over and over and over without legitimate basis in fact or in law ; -- - Despite contact with numerous Truist branch locations no one is empowered to open a PERSONAL CHECKING ACCOUNT unless the consumer signs and agrees to all terms and conditions set forth on that PERSONAL CHECKING ACCOUNT APPLICATION. According to XXXX XXXX -- - there is no such document but that document does exist and proof is available to CFPB by suppoena XXXX XXXX and examination under oath against a senior Regulatory Compliance Officer is not going to risk their career, marriage, home, and reputation to support XXXX XXXX. The Truist Corporate Campus has redundancy of their data backups offsite under the control of third-parties in shock proof climate control facilities. CFPB shall demand that document proof and prosecute the fraudsters, forgers, and cover-up liars.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-10
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Have my business and I tried to open a business account which I was allowed them later closed saying consumer reports rules and regulations why the bank closed my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2021-04-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on Sunday XX/XX/2021 deposited economic impact stimulus payment check into my SunTrust checking account. on tuesday stimulus check placed on 10 day hold. on wednesday XX/XX/2021 called Suntrust /truist bank and demanded that they either release my funds or give my stimulus check back. because I can cash that type of check anywhere at any time and receive my money at the same time. explained this is an inconvenience that I am not willing or able to deal with at this time. SunTrust/ truist representative XXXX XXXX told me that they received confidential information that my check may not clear. Suntrust/ Truist Supervisor XXXX XXXX stated they received confidential information that my check may not clear Suntrust/Truist XXXX XXXX XXXX stated that they were given confidential information that my check may not clear. I was told that the issuing bank gave this info then when asked how FRB snd IRS gave this info to them, She later stated that no one gave them any confidential information and that it was an internal decision made by XXXX bank. This same lie was told to me on my last stimulus deposit as well and will be submitted in another complaint. as stated to 5 Suntrust /Truist reps either cash my check today or give me my check back and I will have it cashed today. that offer was refused. At this time I demand XXXX per each day that my check remains on hold and incurs overdraft fees as a result. I also demand XXXX per each overdraft item placed on my checking account that I struggle to keep in good standing with a financial institution I would never dream of harming. I respected SunTrust, and don't believe Truist holds the same standards nor are they worthy of respect because they don't respect their customers. You have insulted me, you have discriminated against me, you have biased me, you have treated me ignorant and stupid while lying to my face and then retracting the lie when I asked for an explanation and contact info to the rep at the federal reserve bank who gave the information stated. My request was denied. And I was hung up on. showing me that i am not a tru ist Suntrust customer, and my 10 years of honest banking with you means absolutely nothing. honestly i dont even want you people to cash my check. i want it returned to me to cash with better individuals at another institution who respect their customers and do not tell them lies which they will rely on to make banking decisions. then hang up the phone on them when they catch the lie. aside from this the entire 1 hour, 3 rep conversation was recorded because they refused to send the transcript or copy of the last recording from my previous deposit to my email address on file as I requested. At that time i was told the exact same lie. ( to be addressed in separate complaint ) I also believe this is a ploy to scam overdraft fees, because if not for me following bank policy and relying on suntrust/Truist representatives lies. My son would have deposited {$100.00} instead of the {$30.00} deposited that same day into this account to cover expenses, which incurred these fees. Because 6 Suntrust/Truist employees lied to me. Furthermore, I am insulted and do not wish to cash my check with them. So To avoid the above, just give my check back since you are still holding it. If you deny what I have stated you can listen to this recording. located@. . XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10801
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: 4 months spent contacting them and attempting to get a response from them with complete failure on their part to respond. I was hung up on and ignored, lied to and promised that someone would get back to me. I have now lost the opportunity to refinance at a historic low rate. Due to them ignoring me and lieing to me, I have now past the deadline of locking in a low rate and missed out on saving thousands of dollars. They did not return correspondence from my lender and were not willing to help. We made over 12 contacts with them including 3 way calls and e mails. They were reluctant to put us in contact with someone who was willing to help. My final call was yesterday, where I was on the phone for 4 hours and redirected 3 times to people who simply had no intention of helping me. The call ended when I was hung up on after being on hold for 1 hour and 20 minutes. I was contacted today by my lender for my refinance attempt, XXXX XXXX XXXX, and told that they were giving up and did not know of anything more they could do. They suggested I file a complaint. I was also contacted by Sun Trust XXXX today, they said they were starting an investigation into why I was treated this way. The XXXX was not calling to assist me in my efforts, which I found odd. I believe that their company stance is to treat people like this when asking to subordinate a second mortgage. My lender spoke with people within the industry and learned that this is common practice with SunTrust. I would like to seek damages from them and would be interested in knowing how to do such a thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2021-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-09
Issue: Managing the loan or lease
Subissue: Loan sold or transferred to another company
Consumer Complaint: I purchased my vehicle on XXXX XXXX which was financed through SunTrust bank. I had requested to have a pushback on payment twice which added an additional four months on my 72 months to 76 months. I did not know that they sold SunTrust to Truist at anytime during the XXXX or XXXX until I started calling regarding my account. If my account began with the first payment on XXXX why would they say that it matured on XXXX and the four additional months bought it to XX/XX/XXXX? If my loan matured in XX/XX/XXXX my additional four payments would have bought me in to XXXX. They would say that my loan had matured that there were no more monthly payments even though I was still making my {$420.00} online payment to them. I called over twelve times and every time I got a run around with no answers as to why I had a balance of XXXX. I knew that I had that balance for I received an email on from Suntrust stating that amount. Emails were sent to them, phone calls and no one ever answered to as to why this amount. I feel that in the transfer of sales from SunTrust to Truist they never did the right thing in posting payments and that there was an error somewhere in my account on their behalf. I have paid off my account and never ever received an answer to all the extra money which I believe that I should be refunded for my payments were made online every month and in adding the dollar amount it does not come up to the payoff even if I add extra for late payment which is no where near the amount. I would receive phone calls about my balance owing but no phone call as to an explanation. No one has no clue as to why.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23453
Submitted Via: Web
Date Sent: 2021-04-09
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: We had some critical repairs arise for our home and took out a home improvement loan with LightStream to cover the cost. After making the first payment, we noticed that the payment went 100 % to interest in 0 % to the principal. That feels like it shouldnt be legal. All of the interest on the loan is frontloaded, making it more difficult to pay off faster.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2021-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/XXXX, I was hit head-on by a drunk driver, while I was stopped at a stop sign, headed back to work after my lunch break. The intoxicated driver also fled the scene of the accident. I immediately called the police and had them come out, along with phoning my car insurance company. The officer that arrived typed up the accident report and also helped me get my vehicle towed, because the damage was too extensive to drive it. Witnesses that saw the accident at a nearby convenience store, identified the drunk driver and where she lived, and I sent the police to her home, where they observed her wrecked vehicle, parked, hidden, in the back yard of her home. I was unharmed from the accident, other than bruises from the air bags deploying. After a few weeks, my insurance company notified me that my vehicle was totaled. They gave me the amount that they would pay for the claim, which would leave me owing an additional {$1800.00} to BB & T Bank before the car loan would be paid off. I then phoned BB & T Bank and explained what had happened. I also explained that at that point, now, I would have to purchase another vehicle. The customer service representative was very nice and understanding and told me that due to the situation, I didn't have to be in a hurry to pay off the remaining auto loan balance. However, i still began making several payments over the next few months to pay off the {$1800.00}. By then, people had started mentioning a new virus called COV-19, and the public was beginning to panic about social distancing. My job as an insurance agent became extremely difficult, because I could no longer meet face to face with potential clients. Additionally my main office shut down indefinitely, do to fear of spreading the virus. I began to struggle attempting to pay ALL of my monthly bills, including the remaining balance of the initial {$1800.00}. Next thing I know by XXXX of XXXX, BB & T began to harass me with automated calls and customer service calls stating that I needed to pay the balance. I ended up literally going broke to pay off that balance, but I paid it off, and still maintained my household bills. They never offered any COVID relief to me on the balance. By XX/XX/XXXX I noticed BB & T started reporting negatively on my credit reports. I have been trying, unsuccessfully, ever since to get them to removed the negative information they place on my credit, thinking that they would see the time frame of my struggle, and understand. I've explain my situation several times to their customer service department. It's now XXXX, I paid the balance in early XXXX, and they are still trying to punish me for the next 6-7 years. I disputed the balance several times, because at XXXX point it was incorrect. They kept adding it back to my report, even after it was paid off. Then I wrote a Goodwill letter and explained everything again, and never heard anything back. I even offered to pay for them to delete it. COVID almost caused me financial ruin and BB & T is causing more damage. The negative information that they have placed on my credit report has severely damaged my credit. They LITERALLY are the only account on my credit with negative information on there. I am trying so hard to rebuild myself and my finances since COVID. I would think a large corporation like BB & T Bank would be more sympathetic to consumers due to the devastation that COVID caused our financial economy as a whole. I know I'm a small fish and they are a huge company, but can't they show mercy to people. I struggled financially just like most of the world 's population. This was an extremely unfair business practice of their company. I thought almost every company would offer late payment forgiveness due to the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Other service problem
Subissue:
Consumer Complaint: I am in need a receipt for the wire transfer that I completed over the telephone with SunTrust Bank. I was unable to do the wire transfer in person at any of the SunTrust bank branches near my office because all of the mangers were on vacation and no one was authorized to do a XXXX wire. I had to do my wire transfer over the telephone and after doing the transfer I was instructed that in order to get a receipt the branch that signed me up would need to sign me up to receive notifications. I then called the branch, the branch transfered me to customer servicie and customer service then transfered me back to the branch. The branch manager was extremely rude and stated she could not help me. No one had any information for me. I need a receipt for this wire that shows what account the money went to. My confirmation number is XXXX. The branch was the XXXX XXXX in XXXX Georgia that refused to assit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2020 when the pandemic hit, we called SunTrust to inquire about the process of a forbearance ( we are both realtors and needed to know how they worked for our clients as well as for us in the event the real estate market took a nose dive ). They explained the process but we never asked to be placed in forbearance, we never signed paperwork to do a forbearance, and we never missed a payment. In XXXX, we got a letter from SunTrust stating our forbearance was ending and asked if we wanted to extend it. We wrote back saying we never exercised the forbearance and told them to remove that from our record. Clearly, they didn't. We are now trying to refinance and are not getting approved because " we were in forbearance until XXXX. '' We've been on the phone and emailing daily trying to get SunTrust to send us a letter stating we were never in Forbearance but they wouldn't do that. They said they would only send a letter saying we cancelled in XXXX. Secondly, our statements show that there are Unapplied Funds. There has been no explanation for that. This is the second reason we are not getting approved for our refinance. Further, we received a letter yesterday from the XXXX XXXX Client Representative, XXXX XXXX ( who failed to return any of our calls ). Why do we have a home preservation client represenative if we aren't in forbearance????? The mortgage loan payment history she sent shows " suspense '' at each of our monthly payments. Why? XXXX XXXX - We never requested a forbearance, we paid on time every single month and we request a letter clearing us of this financially devastating erroneous status. We have spent hours and hours and hours trying to get it rectified and yet, we can not get a letter stating we never signed up for the forbearance. We are at grave danger of losing our lock and if we do, we will lose the opportunity to save {$2000.00} per month on our new mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I paid XX/XX/XXXX in full for a vacation XX/XX/2020, for a trip in XX/XX/2020. They closed due the pandemic and did not refund any money. I disputed it with the bank and was refused a refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41051
Submitted Via: Web
Date Sent: 2021-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A