Date Received: 2021-03-08
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I was contacted by BB & T VIA mail that I had a account balance of {$50.00} in the supposed account. I then went to the Local BB & T Branch where I live in XXXX South Carolina. Upon arrival I inquired about the account and the bank teller said that it was fraudulently opened online and she asked me to provide her with my social security number. She then cross-referenced the information on the computer and realized that the individual that did this had indeed my true social security number and that's how they opened the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29505
Submitted Via: Web
Date Sent: 2021-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: * On XX/XX/2021, I applied online for a 1 ) BB & T Bright Banking Checking account and 2 ) a High Performance Money Market account. * As part of the application process, I was asked to provide an initial source of funding. I used an existing checking account from XXXX XXXX to provide funding. * After I submitted the application online, the initial funding was instantly taken from my checking account at XXXX. The specific amounts were {$100.00} to fund the checking account and {$200.00} to fund the money market account, for a total of {$300.00}. XXXX XXXX XX/XX/2021 ( the very next day ), BB & T sent a letter by mail informing me that my account ( s ) were closed and that within 10 business days they would either 1 ) mail a check with the funds in my account or 2 ) return the funds to the financial institution who originated the funding deposit ( s ). * More than 25 business days have passed and I have not receive the initial funding back. * I have contacted BB & T multiple times with no insightful response. * It is outright fraudulent for BB & T to have withdrawn initial funding from another banking institution for an application that was de facto declined. * It is also outright fraudulent not to follow up on their own legal correspondence which had promised to return the funds within 10 business days. * Furthermore it is very problematic that BB & T has no actual customer service. Both the phone number on the back of the debit card, and the general phone number on BB & T 's web page are inaccessible without a special security PIN. This PIN is not automatically provided during the application, nor automatically mailed thereafter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32043
Submitted Via: Web
Date Sent: 2021-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: During the last XXXX days, I created XXXX separate CFPB complaints against BB & T : XXXX XXXX XXXX BB & T responded on XX/XX/XXXX that : Ms. XXXX, the XXXX ACH deposits in the amount of {$500.00} each received in the name of XXXX XXXX were reversed on XX/XX/XXXX and sent back to the originating financial institution. A check in the amount of {$50.00} ( the remaining balance ) will be issued and mailed to the address on file to close the account. Please allow 7-10 business days to receive the check. XXXX X {$500.00} has been sent to the source which initiated those direct deposits. But even after more than 10 business days - I haven't received {$50.00} ( the remaining balance ) One need to understand that my money was hold on ransom by this bank for almost 3 months without any interest and further I am still not having all my money here.
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: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Within in the past 5 months I have done everything in my power to get the inaccuracies on my credit report removed. Luckily I was able to get this account removed completely from one credit Bureau ( XXXX ) but have had no response for the other 2 Bureaus or Creditor. Can you please help me get this inaccurate information removed from my Credit Report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34110
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I am the victim of a scam. I filed a police report against the scammer who gave a me a fraudulent check to deposit into my account. I gave Suntrust the police report and filed a claim. The bank froze my account and will not provide me with a decision on my account for 15 business days. My direct deposits from work and my tax refund were deposited into the account, and Suntrust will not allow me access to my funds for another 7 to 9 business days after the 15 day period described previously. I am five days away from facing eviction because the funds I have for rent are in the account. Suntrust will not speed up the process at all. The bank will also not provide me with documentation supporting the current status of my account to provide to my leasing office.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Began mortgage refinance process early XX/XX/XXXX with BB & T Truist. Was told to expect 60 days to close ; which I accepted. As of today, XX/XX/XXXX, I am Day XXXX and still no answer as to close date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30076
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Ive contacted regional acceptance in writing explaining that the auto loan account was fraudulent on XX/XX/XXXX they wrote me back stating all identification and related documents matches the ID information on file which was not correct. During this transaction with regional acceptance that was done in XXXX I was a tenant at XXXX XXXX XXXX XXXX NC XXXX. The address Regional Acceptance had on file was XXXX XXXX XXXX XXXX NC XXXX ... Thats the address the used when financing was granted. I have contacted the credit bureau Agencies XX/XX/XXXXand XX/XX/XXXX to remove this Account from my credit file at the Earliest Possible Time
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a PMI on my Suntrust Coventional Mortgage. This PMI is due for removal and i have been trying to have Suntrust send me the necessary forms to begin the progress. My request for the forms have been pending with them since XXXX and I keep getting run arounds. I am not even been afforded the opportunity to complete the necessary forms to begin the process of removing the PMI from my mortgage. The effect is that I am forced to continue paying the PMI even though the LTV qualifies for the PMI removal. I am placed on more than 2 hours hold each time i call the Suntrust Mortgage. My request is to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21042
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was not behind on any prior Pymt before, Forbearance months of XXXX, XXXX and XXXX total of {$1300.00}. In XX/XX/XXXX received a call for Suntrust on Pymt. Paid {$440.00} on XXXX XXXX XXXX paid {$890.00}. Paid XX/XX/XXXX th of {$440.00}. Received my annual esrow statement shortage of {$590.00} on XX/XX/XXXX. Per statement I had to opinion 1 ) {$48.00} for 12 months added to new Pymt on XX/XX/XXXX of {$540.00}. or 2 ) pay {$590.00}. I have live in this house for 25 years my esrow has can short more time and my mortgage has changed. I paid XXXX {$440.00} and XXXX {$540.00} have the statement showing mortgage change because Esrow .After I paid the {$1300.00} XXXX Suntrust keeps saying I behind on my mortgage will not post any my Pymt to my account. I have called them 7 times but no one can not explained why and per the represent its noticed on my account to return my Pymt if dont bring my account up. I have log in Suntrust see where they post my Pymt then reverse puts its in XXXX applied funds. I printed out list mortgage Pymt from XX/XX/XXXX through XX/XX/XXXX its showing all my payments and I was never behind of payment. I have a copy of my statement from XX/XX/XXXXthrough XX/XX/XXXX. And they fees and charges me {$10.00} when I file forbearance from someone to go out inspection my house. This has been nightmare. I know its more Suntrust customer are going the same things.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 312XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a mortgage with SunTrust ( now Truist ). Beginning in XX/XX/2020, we participated in the COVID relief program which provided us with a limited forbearance opportunity. Through the program, we were allowed to postpone our mortgage payment for three months. At the end of XX/XX/2020, we contacted SunTrust and officially ended our deferral program. We resumed making our bi-monthly payments at the beginning of XX/XX/2020. Our on-line records show that we have been making those payments since XXXX however none of those payments have been going towards our mortgage. Our current statements show that we are thousands of dollars in delinquency. We have called and emailed our loan agent at SunTrust many times but have never received a reply from her. We have only been able to have discussions with front-line agents who can not give us any useful information. We have NO idea where that money is going and we have continued to be in 'delinquency ' for several months - prohibiting us to refinance and purchase another property. The fact that no one has helped us is absolutely unacceptable and we question the legality of all this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 931XX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A