Date Received: 2021-03-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Company closed debit card XX/XX/2020, but left the routing & accounting number open and account has a positive balance and company keeps giving the run around about re-activating the account. Company gives the same answers and offers the same solution that hasnt revealed any results and they are still in possession of my money on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 256XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: BB & T Home Mortgage transferred the servicing of my mortgage to SunTrust, both " now Trust '', probably as part of some balance sheet shuffling to keep their books looking good. I no longer have easy access to my mortgage via an online channel where I have a bank account, and so making my payment has become complicated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28226
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-18
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. Its been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78664
Submitted Via: Web
Date Sent: 2021-03-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. XXXX XXXX Inquiry : XXXX XXXX, XXXX REGIONAL ACCEPTANCE Inquiry : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2021, My fianc, a signer on this account went to make a withdrawal in the drive through from his business debit card. He accidently gave the wrong card to the teller and withdrew the balance on the account unknowingly. Once we recognized the error, we immediately went to the ATM machine and deposited the funds back into the correct account. Due to it being after XXXX, the cash deposited into the ATM did not immediately post causing any transactions that were pending to create fees. When we went to the branch they would only refund {$36.00} instead of the {$140.00} that was taken out. Had the ATM machine posted the cash deposited the same day once the error was found, these fees would not have been incurred. I called customer service to try to resolve this and spoke with XXXX in " General Services ''. He also stated he was unable to refund me even though my account never drops below an average of {$4000.00} ( as you can track with the history of my account ). I am filing a complaint for these corrupt business practices and horrible customer service. I was told at the branch level that regardless of my account being in excellent standing, that I was basically " out of luck ''. This is poor customer service and basically theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29579
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: SunTrust ran a promo ( code XXXX ) whereby if I had a direct payroll deposit of at least {$3000.00} for 2 consecutive months within the 1st 3 months I would get a {$500.00} bonus. I have met & exceeded those requirements ( my payroll direct deposit has gone into my account for FOUR months now and I have the bank statements to prove it. These XXXX are trying to claim they can't validate that it's a payroll deposit but 1 ) it OBVIOUSLY is, and 2 ) it shouldn't be my problem that they " can't : validate it & get their act together. I provided the name of my employer & even offered to send a W2 but their " Marketing '' dept. said if they couldn't verify it if they didn't see a certain code in the transaction but that is a LOAD OF XXXX by either incompetent or lazy people or thieves. I upheld my end of the promotion so please force them to uphold their end or FINE THEM for being XXXX XXXX XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 201XX
Submitted Via: Web
Date Sent: 2021-03-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a serious problem with this company and sent letters and emails about the fees being charged. I even tried to close the account and they did not allow me with a negative balance which no where does it state that in your agreement. Letter is attached that was sent on XX/XX/XXXX. With no response to the letters or emails. Now on XX/XX/XXXX XXXX mistakenly sent my bank transfer to BB & T ending XXXX. Immediately I called the next day to BB & T and they called the back office and assured them the account was closed and will be returned to XXXX. This is a total of {$2800.00}. This is not small money and I am a single mother with no XXXX and XXXX young children I have to care for. Now after some time the funds were never returned to XXXX where I contacted XXXX on XX/XX/XXXX and has provided me with credit while they try to contact BB & T for the money that was never returned as they assured me on XX/XX/XXXX. They declined the deposit and sent it to XXXX to pay for the charge off and have not sent me any notices or payment or given me the balance. Says they sent a check on XX/XX/XXXX and still nothing. XXXX shows all the information on what has happened Business Bank Account Letters I sent on XX/XX/XXXX attached in this letter and emails was also sent to the following below. XXXX & XXXX XX/XX/XXXX XXXX Transfer to BB & T bank Ending in XXXX XX/XX/XXXX Called BB & T XXXX at XXXX XXXX where I spent 32 min asking about this account and they transferred me to the local office XXXX XXXX XXXX XXXX, XXXX XXXX , FL XXXX ( XXXX ) XXXX. Where they told me that it will be transferred back to XXXX since the account is closed Called XXXX to see where the Funds are and says still no return from BB & T Called Back BB & T on XX/XX/XXXX ( XXXX ) Where she stated she will call the back office and contact me with an update XX/XX/XXXX XXXX XXXX BB & T ( XXXX ) BBT Called back to confirmed with back office that it was returned to XXXX and no funds will be taken XX/XX/XXXX Still no money was refunded to XXXX so they started their own investigation XX/XX/XXXX XXXX reached out still no return from BBT XX/XX/XXXX @ XXXX XXXX contacted BBT Homestead ( XXXX ) XXXX Confirmed it was take and need to call XXXX XXXX and will have manager XXXX call me back XX/XX/XXXX @ XXXX call for 35 Min and 53 sec to BBT XXXX XXXX ( Now BBT and now Truist ) XXXX ID XXXX Where they told me that it was recovered on Offset balance and can not provide any other information. Confirmed address and also said address has been flagged as non deliverable but still sent a check to the address XX/XX/XXXX XXXX XXXX Called XXXX from BBT Homestead off to get copies of fees, agreements and charge off details XX/XX/XXXX XXXX XXXX Spoke to When XXXX From XXXX XXXX XXXX XX/XX/XXXX XXXX Deposit ending XXXX {$2800.00} Account closed and was sent to XXXX for offset and Collected {$400.00} on Dated XX/XX/XXXX Said they cut a check dated XX/XX/XXXX for Check {$2400.00} XXXX XXXX XXXX XXXX XXXX, fl XXXX {$30.00} to charge off fee Advised no information has been sent to me, notice or check Confirmed address and also said address has been flagged as non deliverable but still sent a check to the address Will have XXXX XXXX her supervisor call me today before XXXX XX/XX/XXXX XXXX XXXX Went to BBT Homestead Branch office Asked for Charge off details Copy of Charge off letter notices ( says they sent it as a postcard and can not provide ) Never got it Asked for the copy of the agreement I signed that shows the fees and right to collect fees and charge off Does not have a copy of my agreement Only has print out of new general agreement provided Bank Service Agreement ( XX/XX/XXXX which is not even for a business account Business service product and pricing guide ( Effective XX/XX/XXXX ) Nothing shows agreement to get funds sent to XXXX for closed account BB & T Signature Card showing account was opened on XX/XX/XXXX With a signed alleged it is mines and dated XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have been charged Returned item fee twice for one transaction.The total amount was $ XXXXTge date of the transaction was on XXXX.Beside that I have been seperately charged Returned item fee again for a transaction I am not aware of with amount of XXXX $ On XX/XX/2021.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20170
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized inquiry to my consumer report demand {$1000.00} per violation. Invoice payment and letter attached. I have not authorized this company to obtain my credit report. You are in violation of The Fair Credit Reporting Act. 15 USC 1681, 15 USC 1681b ( f ), 15 USC 1693a ( 2 ), 15 USC 1681n ( a ), USC 1681 ( e ), 15 USC 57 ( b )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30350
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I asked Regional Acceptance Corporation on XX/XX/2021 why do I owe them a debt, why is it valid, and to verify why I owe them a debt because I don't believe I owe them, they sent me a contract. The contract they sent for verification is completely illegal. I assumed I was the original creditor, as well as a consumer making a credit transaction with a finance charge involved. I can't pay that in cash and I do not recognize this illegal contract they sent for verification. I believe they should take it off my consumer reports and files and remedy me for their violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A