Date Received: 2021-03-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I took on a covid forbearance on a loan last year. When my forbearance was ending I applied for a deferral of the payment to the end of the loan. Suntrust claimed they never received this application. I started making payments on my loan in XXXX of XXXX after talking to them on the phone about my new plan. They said multiple times that they were so understaffed that they had no idea when my deferral application would be processed. I continued to make payments per the agreement I signed up for and verbally discussed with Suntrust. XXXX comes after I make two payments. They start a foreclosure process. I'm charged for a XXXX valuation because the systems at the bank where the foreclosure starts were not talking to the covid deferral and forbearance departments. I talk to someone again about these charges and they say again that they are so far behind that they have no idea when my paperwork for my deferral application will be processed. XXXX comes. I have now made 3 payments on my loan. I get a late fee because the systems still aren't talking to each other. I call and get this reversed and plead to the representative to make sure there is nothing damaging to my credit as a result of their misplaced paperwork and backlog that every other bank seems to be working through without the problems that Suntrust/BBT now Truist has. I am told that my application has been escalated and it might be 3-6 weeks before it is approved. I can not imagine what an application that wasn't escalated would take. Here comes XXXX. I get a negative credit report alert from a credit monitoring service. I am dinged for a late payment after making 4 on-time payments. I call again. I am told that there is nothing Suntrust/BBT now Truist can do immediately and they are going to look into this sometime within the next 30 days. My credit score has dropped 100 points and someone might do something about it in the next month. This has been escalated again, but through a new process because Suntrust/BBT now Truist realized their old escalation process was completely ineffective and was damaging to their customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28270
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good morning, I have had a mortgage at Suntrust and at the beginning of XXXX, I change my mortgage to a different bank. On XXXX Suntrust paid my taxes for my house. I called them to stop the process but they told me it is impossible to stop at this type. On my tax bill, I can see that the Suntrust payment was rejected ( XXXX $ paid ) on XXXX XX/XX/11. I have contacted Suntrust to refund me for my money. I received multiple information, that the money will be refunded at the beginning of XXXX, then in XXXX and XXXX. Today, I was told by Suntrust that the money was the return on XX/XX/XXXX and I need to wait another 30 days to start processing the return. At this point, I have not to trust at all, since information like that was refer to me already multiple times. Anyway, I don't have money since XXXX last year, I don't see a resolution to my situation. I feel hopeless and injustice, given the amount of time that my money has been withheld for so long time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2021-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: There are numerous inquiries on my credit report that I did not authorize. I have contacted each company and they cant verify any information that I applied for credit with their company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 455XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone stole a blank check from my mothers and my checking account. Then wrote it out and forged her signature. The bank cashed it for {$450.00}. Then at another location, they tried to cash a fraudulent check with our same account number. It was then discovered that the one the first location had already cashed, shouldnt have been. We disputed it, filed a police report and now today the fraud department of the bank called and said they wouldnt cover the check, because we didnt keep the check safe. The checkbook was in my mothers purse. The bank has a picture of this person and his ID number. The police are looking into this further but I have to do a lot of leg work to get this done. They know it forged, but still wont cover the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36116
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I had set up a checking account with Suntrust back when my mortgage was through Suntrust. After refinancing with a different bank, I withdrew the remaining funds in my Suntrust checking account back to my main account with XXXX XXXX. Unbeknownst to me, Suntrust was using a third party payment processor that tacked on a {$3.00} fee to my withdrawal, thus bringing me to - {$3.00}. Suntrust did nothing to announce this fee. Moreover, it is beyond me why they need a third party vendor when they are a bank. I couldn't put more money back in to my account without hitting the minimum transfer of {$10.00}. And if I wanted to close the account, which I absolutely do at this point, I would again have to eat a {$3.00} fee from this hidden vendor. I called their representative, they said they would have to wait for the overdraft fee to process in order to waive anything. So I waited and called today. I've been given the runaround by their representatives for almost an hour. I'm now up to a {$42.00} fee to access my money. This is absurd and predatory.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21037
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Suntrust didn't pay my property taxes at the end of the 2020. I have tried to get them to pay taxes and penalties accrued to XXXX XXXX, but they still haven't paid the taxes and I am receiving notices from the city that they are planning to sell the property to get the tax. I have called Suntrust several times, has spend more than 10 hours waiting for their representatives, but the problem is not solved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21224
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX Social Security # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, Texas XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. Box XXXX, XXXX, GA XXXX XXXX XXXX XXXX, P. O. Box XXXX, XXXX, PA XXXX DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to any delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the XXXX80-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action. CREDITOR CONTACT INFORMATION : DEPT OF ED/XXXX PO Box XXXX XXXX, PA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. U S DEPT OF EDXXXX XXXX Box XXXX XXXX XXXX, IA XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX., XXXX, NC XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX/XXXX XXXX New XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ACCOUNT # xxxx ACCOUNT # xxxx ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. US DEPT OF DE PO Box XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX PO ox XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX PO Box XXXX XXXX, DE XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX ACCOUNT # XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX ACCOUNT # XXXX On these subscribers that are reporting the affixed information, I am requesting full validation such as, original transfer rights to collect, confirmation of legal timeline to report on credit and/or collection procedures, validation of licensing requirements, posted bonding requirements, oversight on monthly payment histories, proper subscriber agreement compliance with credit reporting agencies, and overall compliance with all Fair Credit Reporting Act and Fair Debt Collection Practices Act bylaws as mandated by federal laws. If all of these requirements are not in order, then I have the legal right to request the deletion of this tradeline accordingly. DISCLOSURE : At no time is this a dispute of identity theft or fraud, and I want my dispute answered by the creditor supplying the information on me to be 100 % validated, and/or to see if the timeline for its existence has passed, or if the credit/collection/public record tradeline is on my credit report in violation of the Fair Credit Reporting Act or a violation of the Fair Debt Collection Practices Act. Any item that I believe is not being validated by the creditor or collection agency or public record vendor will be disputed with the Consumer Financial Protection Bureau at a future date. If the item in dispute is legally valid, I will stand by that validation. We only request validation of information and/or debt ownership. At no time will I dispute a credit reporting agency, as it is imperative to the American free markets that XXXX, XXXX and XXXX XXXX maintain integrity for the American consumers. The following federal laws are what I am basing my rights under : Amended consumer rights Fair Credit Reporting Act XXXX XXXX XXXX XXXX. XXXX : XXXX : XXXX Fair Debt Collection Practices Act : https : //www.ftc.gov/enforcement/rules/rulemaking-regulatory-reform-proceedings/fair-debt-collection-practices-act-text I make this request based upon potentially XXXX criteria : XXXX ) That I personally agreed and signed a application and/or contract on an extension of credit, and that I XXXX have been late on payments and desire to find an agreed upon timeline when my credit trade line will go to a positive status, or be in position for its legal deletion mandated by the Fair Credit Reporting Act XXXX rule on the deletion of antiquated information. XXXX XXXX That there XXXX be items on my credit report that was acquired through a public record vendor, and that I XXXX request a fully documented validation of any or all items posted from public record, and upon discovery XXXX request the deletion of the public record postings based upon legal time limits, and/or completed research proving the settled agreements between myself and a second or third party. In and event, if the public record is legal, I will agree upon the trade line being maintained on my credit report until the time arrives where it can legally be removed. XXXX ) I XXXX dispute any collection agency that maintains that they are attempting to collect a debt, either for an original creditor I XXXX have had an association with, or if the collection agency maintains that they have acquired the debt. I XXXX request from the debt collector full documentation of assignment of debt collection in written form as mandated by the Federal Trade Commission, including but not limited to verification that the collection agency is bonded and legally approved to collect debts from consumers within my state of residency, and if the agency maintains that the debt has been acquired by purchase, then full documented history of the debt transfer either directly from the original creditor and/or from the securitized trust the debt XXXX have been sold to in a debt portfolio administered through the full regulatory body of the Securities and Exchange Commission. I XXXX in addition request such documentation through the XXXX XXXX XXXX XXXX if that is indeed the governing body of the original credit grantor. XXXX ) I will dispute all public utility payment histories including the collection process assigned to any collection agency, as all public utilities including cell phone charges, natural gas, electric and public violations within municipalities are not governed by the Fair Credit Reporting Act, but by governing bodies within each state known as public service commissions. At no time will I ever agree upon the postings of public utilities on my credit report, even though I understand that I XXXX volunteer to add my payment histories of this nature at any time. XXXX ) I XXXX request the services of the Consumer Financial Protection Bureau to help me as a potential mediator in cases where I believe that my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act are in violation. At all times I will maintain a professional demeanor on the clearance of negative information on any of my credit reports. XXXX ) I will only file a direct complaint with any credit reporting agency if I believe enough evidence has been ascertained showing that the creditor, collection agency and/or public service vendor is in violation of their subscriber agreement with any credit reporting agency. I XXXX dispute excessive inquiries posted on my credit reports based on the following. As the Federal Trade Commission struggles every year with maintaining the integrity of the credit community, from filing charges against illegal collection practices that abuse against the Fair Credit Reporting Act ( FCRA ) and The Fair and Accurate Credit Transactions Act ( FACTA ), bigger problems have evolved that XXXX never be addressed without XXXX overhaul on current legislation. There is XXXX major problem in the XXXX scoring models implemented with each major credit reporting agency XXXX XXXX XXXX. The excessive use of credit checks that draw down ones credit scores, and in many cases these credit reports are run as a full inquiry that causes severe damage to a persons XXXX XXXX even though there was no validation on approval to pull credit or as the FCRA XXXX a legitimate business need. Accordingly ; I XXXX request under my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Credit Transactions Act ( FACTA ), and the Fair Debt Collection Practices Act ( FDCPA ) I request a full validation of each posted inquiry, proving that I indeed signed a credit authorization for each inquiry. DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE ON EXCESSIVE INQUIRY PRACTICES INTO A CONSUMER REPORT WITHOUT PROPER DISCLOSURES IN PLACE AND/OR ABUSIVE EXTENSION OF LEGITIMATE BUSINESS PURPOSES, THIS IS THE ACTUAL GUIDELINES OF OBTAINING CONSUMER REPORTS UNDER THE FAIR CREDIT REPORTING ACT As a public service, the staff of the Federal Trade Commission XXXX FTC XXXX has prepared the following complete text of the Fair Credit Reporting Act ( FCRA ), XXXX U.S.C. XXXX et seq. Although staff generally followed the format of the XXXX Code as published by the Government XXXX XXXX, the format of this text does differ in minor ways from the Code ( and from XXXX 's XXXX Code Annotated ). For example, this version uses FCRA section numbers ( XXXX ) in the headings. ( The relevant XXXX XXXX citation is included with each section heading and each reference to the FCRA in the text. ) XXXX. Permissible purposes of consumer reports [ XXXX XXXX. XXXX ] ( a ) In general. Subject to subsection XXXX c ), any consumer reporting agency XXXX furnish a consumer report under the following circumstances and no other : ( XXXX ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. XXXX XXXX ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( XXXX ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or ( XXXX ) intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation ; or ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or XXXX XXXX ) to review an account to determine whether the consumer continues to meet the terms of the account. XXXX XXXX ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individual 's capacity to make child support payments or determining the appropriate level of such payments ; ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; XXXX XXXX XXXX the person has provided at least 10 days ' prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( XXXX ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose. ( XXXX ) To an agency administering a XXXX plan under Section XXXX of the Social Security XXXX XXXX XXXX XXXX. XXXX ) for use to set an initial or modified child support award. XXXX b ) Conditions for furnishing and using consumer reports for employment purposes. ( XXXX ) Certification from user. A consumer reporting agency XXXX furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( XXXX ) with respect to the consumer report, and the person will comply with paragraph ( XXXX ) with respect to the consumer report if paragraph ( XXXX ) becomes applicable ; and XXXX XXXX XXXX information from the consumer report will not be used in violation of any applicable Federal or State equal employment opportunity law or regulation ; and ( B ) the consumer reporting agency provides with the report, or has previously provided, a summary of the consumer 's rights under this title, as prescribed by the Federal Trade Commission under XXXX XXXX ( c ) ( XXXX ) [ XXXX ]. ( XXXX ) Disclosure to consumer. ( A ) In general. Except as provided in subparagraph ( B ), a person XXXX not procure a consumer report, or cause a consumer report to be procured, for employment purposes with respect to any consumer, unless -- ( i ) a clear and conspicuous disclosure has been made in writing to the consumer at any time before the report is procured or caused to be procured, in a document that consists solely of the disclosure, that a consumer report XXXX be obtained for employment purposes ; and XXXX ii XXXX the consumer has authorized in writing XXXX which authorization XXXX be made on the document referred to in clause XXXX i ) ) the procurement of the report by that person. ( B ) Application by mail, telephone, computer, or other similar means. If a consumer described in subparagraph ( C ) applies for employment by mail, telephone, computer, or other similar means, at any time before a consumer report is procured or caused to be procured in connection with that application -- ( i ) the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report XXXX be obtained for employment purposes, and a summary of the consumer 's rights under section XXXX XXXX a ) ( XXXX ) ; and XXXX ii XXXX the consumer shall have consented, orally, in writing, or electronically to the procurement of the report by that person. XXXX XXXX XXXX XXXX. Subparagraph ( B ) shall apply to a person procuring a consumer report on a consumer in connection with the consumer 's application for employment only if -- ( i ) the consumer is applying for a position over which the XXXX of XXXX has the power to establish qualifications and maximum hours of service pursuant to the provisions of section XXXX of title XXXX, or a position subject to safety regulation by a XXXX transportation agency ; and XXXX ii XXXX as of the time at which the person procures the report or causes the report to be procured the only interaction between the consumer and the person in connection with that employment application has been by mail, telephone, computer, or other similar means. ( XXXX ) Conditions on use for adverse actions. ( A ) In general. Except as provided in subparagraph ( B ), in using a consumer report for employment purposes, before taking any adverse action based in whole or in part on the report, the person intending to take such adverse action shall provide to the consumer to whom the report relates -- ( i ) a copy of the report ; and XXXX ii XXXX a description in writing of the rights of the consumer under this title, as prescribed by the Federal Trade Commission under section XXXX XXXX c ) ( XXXX ). I have opted out of my public information with XXXX, and I believe that requesting the deletion of any inquiry based on any legitimate connection to a public record vendor such as XXXX is within my rights under the Fair Credit Reporting Act ( FCRA ), the Fair and Accurate Transactions Act ( FACTA ) and the Fair Debt Collection Practices Act ( FDCPA ). In review of the numerous hard copy disputes on my credit report, I am requesting only the proper protocol to be adhered to in order to maintain the legitimacy of the hard inquiry, that includes an actual name of the person involved with any company that pulled a hard review of my credit history, but in addition a copy of the actual report ascertained from such a review. If these items can not be produced, then by deductive reasoning the hard inquiry is not 100 % legitimate. Accordingly, under review of XXXX. Permissible purposes of consumer reports [ XXXX XXXX. XXXX ] ( a ), I request the deletion of the following lists of hard inquiries as follows : I demand my rights be protected based on the XXXX Edition of the Privacy Act published by the XXXX Department of Justice. B. XXXX U.S.C. XXXX ( a ) ( XXXX XXXX Individual [ T XXXX he term individual means a citizen of the United States or an alien lawfully admitted for permanent residence. XXXX U.S.C. XXXX ( a ) ( XXXX ). Comment : The Privacy Acts definition of individual is much narrower than the FOIAs definition of person, which draws from the Administrative Procedures Act. See XXXX U.S.C. XXXX XXXX XXXX ) ( XXXX ) ( defining person as an individual, partnership, corporation, association, or public or private organization other than an agency. ) ; see also, e.g., Raven, XXXX XXXX at XXXX ( comparing use of the word individual in the Privacy Act, as opposed to the word person, as more broadly used in the FOIA ) ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX ( D.D.C. XXXX XXXX XXXX XXXX plaintiff whose permanent resident status had been revoked is not an individual for the purposes of the XXXX XXXX.... Plaintiffs only potential access to the requested information is therefore under the XXXX of XXXX XXXX. ). The XXXX XXXX generally covers citizens and lawful permanent residents, but others have some protections. Generally, individuals under the XXXX XXXX are XXXX citizens and lawful permanent residents. XXXX XXXX XXXX XXXX. XXXX, at XXXX, reprinted in XXXX XXXX at XXXX, https : //www.justice.gov/opcl/paoverview_sourcebook ; XXXX XXXX XXXX, XXXX Fed. XXXX. at XXXX, https : XXXX. The XXXX XXXX as initially enacted did not generally protect non-resident foreign nationals. XXXX, e.g., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Cir. XXXX ) ( referencing legislative history that reflects the congressional intent to exclude nonresident aliens from XXXX XXXX coverage ) ; XXXX v. XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( D.D.C. XXXX ) ( per curiam ) ( unpublished table decision ) ( citing Fares v. XXXX, XXXX XXXX XXXX XXXX XXXX Cir. XXXX ) ) ( [ Privacy ] Act only protects citizens of the XXXX XXXX ACTION REQUIRED : PLEASE INSERT A BLOCK ON MY FILE FROM ALL FUTURE PROMOTIONAL REVIEWS THE FOLLOWING ATTACHED REVIEWS OF MY CREDIT IS A DISASTER AND I WOULD HAVE NEVER HAVE AUTHORIZE SO MANY REVIEWS. I HAVE DELETED ALL APPLICATIONS. PLEASE DELETE ALL OF THE ATTACHED CREDIT REVIEWS AS THEY WOULD HAVE NEVER BEEN AUTHORIZED. PLEASE BLOCK MY CREDIT REPORT INFORMATION FROM ALL UNAUTHORIZED INQUIRIES FROM THIS POINT FORWARD : This letter is addressed to the subscriber furnishing the information on my credit reports, and if this letter is addressed to any credit reporting agency, then it is considered a ghost letter mirroring the actual request for documentation of a credit trade line I XXXX have issues with. It is my understanding that each credit reporting agency has an obligation to maintain accuracy within the banking/credit community, and I will fulfill my obligations to work within the credit system as it was designated. Thank you for your full consideration in this matter. Sincerely, 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: 122XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/21, I closed on a refinance of my loan, resulting in a payoff of the original mortgage held by SunTrust. The loan funded and paid more than what was owed on the loan balance, as confirmed by SunTrust 's website on XX/XX/21. Every three days following that pay off, I have attempted to contact SunTrust by phone or by their web messaging to obtain a refund of the over payment and my escrow balances. On two occasions, most recently on XX/XX/21, I reached a call center rep only to be hung up on and forced to start over after hold times of 30 minutes. The branch offices tell me they can not help, and I have no means to obtain my money owed by the bank, or even an online site to view the balances as they remove the loan from the site as soon as it is paid off. Please help me by inspiring a response to my request for repayment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-10
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I opened a business account at BB & T. In the process of opening the business account, I get an alert on my XXXX credit monitoring that my credit was pulled. I asked the banking associate why my credit was pulled. She told me the credit was pulled soft to open the account. I told her, it was not a soft pull that i relieved a hard inquiry pull on my report. Two days later I get a second credit pull on my report. The banker says she doesn't see why it was pulled. When she did her internal investigation, she said, they did pull my credit and they were not willing to remove it. This is a terrible banking practice. Is this the same as what XXXX XXXX was doing years ago? Please investigate this immediately. The credit pulls were on XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-09
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hi I have an issue with BB & t I tried to apply for a car online I was trying to get a secure credit card because I need to build credit up by saying that I have to be XXXX or for a secure credit card that is not true there's kids XXXX who has a secure credit card but my bank says that I have to put a minimum deposit down of XXXX dollars but I contact that customer service and they're saying that's not accurate that I can do it without putting it down payment down I try to apply for what they said but they're saying that I have to go in person but if I do that I'm going to get the same result and I really need a answer I really don't know I'm trying to build credit and I'm only XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A