Date Received: 2021-03-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have been subjected to harassment, unwarranted and unsubstantiated incorrect credit reporting, which has resulted in Credit damage. I have all of the documentation of the bank admitting fault, as well as you and recorded a phone conversation stating my account is in good standing on XX/XX/XXXX. The phone call to them, was in response to their non-action on fixing the original issue, they acknowledged. I have records of all my payments. I filed a report with you, you intervened, opened a case and got a statement from the bank admitting they were at fault. I had unapplied funds, that were not intentionally unapplied on my part, that disappeared after CFPB engagement. The case was closed. I contacted you again to reopen the case, as the problem was not taken care of. I did not get response. This has been ongoing for about a year now. This case was reported to you on XX/XX/XXXX ( Case # XXXX XXXX. I just received my XX/XX/XXXX statement, which is indicating they have not received a mortgage payment, from me since XX/XX/XXXX, even though XXXX 's statement does not indicate any past due payments. I have all of my receipts for payment, as I make the payments at a local branch. I also received a check from XXXX XXXX, for approximately {$2600.00} stating, heres a check to pay your past due payments, even though no one at Suntrust could confirm any past due payments. I have a recorded phone call with a Suntrust Rep, who I spoke with for approximately 25 minutes, trying to get to the bottom of this. My last paper statement, indicates I have a past due amount of {$6700.00}. I wanted to reach out to you one more time, to get this resolved, before I take legal actions against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 225XX
Submitted Via: Web
Date Sent: 2021-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-25
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2021 I logged into my Suntrust mobile app and saw an unauthorized transaction to " XXXX '' for the amount of XXXX $ and immediately I contacted Suntrust to have the transaction cancelled. However, they refused to saying that " the transaction have already been approved. I had never heard of " XXXX '' nor have ever used their services, yet I was being charged and the only thing my bank could do was lock my debit card and then file a claim. completely useless. the next day XX/XX/XXXX, I went to a branch to have access back to my account and my online banking, there I requested a new debit card and reset my online password. However, the second I got home and changed my password there already was another transaction to " XXXX '' even though the previous day Suntrust had assured me that any further transaction to and from " XXXX " would have been blocked. this time a transaction of XXXX $ still pending. so I picked up the phone and called my bank again with no help again whatsoever and saying that they can't cancel the transaction even though my account had been locked for the past 24 hours, suntrust again let " XXXX '' withdraw money from my account despite the fact they had locked the account and said that they would block any further transactions from " XXXX ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37013
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Money was not available when promised
Subissue:
Consumer Complaint: I set up a mortgage payment to be made on XX/XX/21 through my personal banking bill pay. Suntrust did not deliver the funds in a timely manor as promised thus causing me to incur a late fee and negative credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32792
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-24
Issue: Getting a loan or lease
Subissue: Problem with signing the paperwork
Consumer Complaint: Hi! My name is XXXX XXXX! I am a naturalized US citizen. It is an unusual situation.I/we were able to get the loan but the process was very discriminative.On XX/XX/XXXX we ( my wife and me ) bought a car with a joined car loan from XXXX XXXX XXXX XXXXThe process were smooth.The dealership informed us our loan company going to be BB & T XXXX On XX/XX/XXXX more than then 3 weeks later the dealership called me saying I need to provide my green card bc we are not going to get our car loan.We were was shocked.Anyways I told the dealership I dont have a green card any more because I AM A US CITIZEN since XXXX XXXXWhich also proved by my NC Drivers license which has a star in it! They had copies of it! They said than I have to provide additional evidence of my citizenship! Of course I felt awkward and upset because the dealership and the bank didnt give me a straight answer why they need more evidence! I felt I getting discriminated and profiled bc my name.It never happened before! My wife who is a US born citizen did not have to provide any additional evidence of status.It is clearly profiling. However eventually I did provide the copy of my passport.Far as I know we will get the loan. However my complaint is : -If the loan company requires evidence of citizenship they need to do it in the moment of the car purchase.Not almost a month later. -As a US citizen I have a constitutional right to not get questioned, harassed or blackmailed about my status for any purpose.Outside of DHS or other Federal Agencies. -After I got my citizenship I did register the change with Social Security Services so it should be in the credit or personal records. If the bank wants to research my status than they can do it if they really want it! Its not right to blackmail the customer! -It is a such a sensitive subject bc I worked hard and did it the right way to become a citizen and get accepted! Also did it with a goal to not be harassed or blackmailed about my status anymore! Sincerely : XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27407
Submitted Via: Web
Date Sent: 2021-03-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Bank account open that i have no knowledge of opening. No fraudulent activities were performed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29801
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I am continuously having problems signing online and it take forever for them to send me an access code to sign on and when I complain to the bank someone will call back and feed me a lot of XXXX. But Im still having a problem. Just Sunday I was turn down with my ATM card and that has never happened. Most of the time I call the bank and I will get someone on the phone that can not understand me and I can not understand them. There are people in the united states that could answer the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I can not contact my Mortgage company, Suntrust/Truist to get the proceeds from a check my insurance company sent with my, my spouse and suntrust name as payees back from Suntrust. It means we are unable to continue to work on our property which was damaged in XXXX when Hurricane Laura devastated our town, XXXX XXXX, La, and damaged our home which is financed with Suntrust. There is no way of contacting them by phone to speak with a representative. For several days in a row, I've waited 2 hours by phone and simply had to hang up. I called at XXXX, their opening hour, and immediately go on hold for hours. I need help with finding out about the check sent to them for a signature 3 weeks ago. We are at our wits end. Is this something your agency can assist me with? If not, I simply dont know how to contact them as your calls NEVER get you to a representative that can assist you, only recordings. Sincerely, XXXX and XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70605
Submitted Via: Web
Date Sent: 2021-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Getting the loan
Subissue:
Consumer Complaint: On XX/XX/XXXX, I submitted my information to lending tree and authorized them to pull my credit so they could match me with lenders to give me a private party auto loan. Based on my information I was quoted at a 4.4 % auto loan with lightstream.com. Within 5 minutes I completed a formal application and was approved but for a 6.34 % unsecured loan. When I contacted the company seeking the original rate and to ask why it would change so much they said they do not do pre-approvals and the only accurate rate is after the hard pull during their application. I understand that things may change in people credit between the soft and hard pull or a half a percentage point may be adjusted in general but it seems very deceptive to quote such a low rate for one product and then switch it for a different product at a much higher rates. If I knew I couldnt get an auto loan then I would have shopped for personal loan rates instead.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I purchased a house through XXXX XXXX. Who then sold my mortgage to BBT. I received my first payment/invoice in XXXX and promptly made a payment XX/XX/2020. I then paid each month before the deadline of the XXXX of each month there after. I'm not sure why but they reported me on my credit report of being late for XXXX, XXXX, XXXX, XXXX and also owing {$280.00} in late fees. I called BBT and they were to look into it and then they sold the mortgage to Suntrust. I then called Suntrust and the rep said I was late for XX/XX/XXXX and I explained I didnt even get my invoice until mid XXXX. To date I have not gotten any resolution on the matter. I have proof of payment for XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX and XXXX - which also shows on my account so I am very confused. This reporting is hurting my credit severely and during this trying Covid time I am struggling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12302
Submitted Via: Web
Date Sent: 2021-03-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a CD account at SunTrust, XXXX XXXX XXXX in XXXX, NC. The fixed interest rate for the XXXX CD was for .05 %. The maturity date was XX/XX/XXXX. XXXX XX/XX/XXXX, I returned to SunTrust and asked banker XXXX XXXX to credit my account for the full interest rate due to me as per our written agreement. He told me the interest I earned was XXXX cents and cut me a check for XXXX. I asked him to show me the calculator that the bank was using. We went into his office and he inserted my information online, and the interest rate that appeared on his computer was XXXX cents. He said that the bank " had a special formula '' for calculating interest rates. Something was wrong with his computer. {$2000.00} x XXXX should have yielded me {$100.00} in interest. Not XXXX cents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A