Date Received: 2021-02-25
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XXXX XXXX at XXXX a check from SBA was deposited into my account with Suntrust Bank in the amount of {$9000.00} Suntrust immediately closed the account and placed the funds on hold. I contacted Suntrust customer service on XX/XX/XXXX at XXXX, Suntrust said I needed to provide documentation proving the check was mine I told them to send the check back to SBA which they never did. On XX/XX/XXXX at XXXX I was contacted through email by SBA to apply for a targeted eidl advance which is then I found out the check was never returned. At XXXX on XXXX XXXX I contacted Suntrust bank about the funds they said I needed to walk in a branch to verify my identity. Since there is no Suntrust in illinois I drove 9 hours to Arkansas to a branch, once there I presented my driver 's license, business license, a letter that was emailed to me by SBA stating the funds was approved as well as showed what day and time the funds were deposited. The documents were submitted to Suntrust internal office they still will not release my funds as of today claiming I didn't provide enough documentation showing were the check came from
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am the owner of XXXX XXXX XXXX, XXXX. We had a file closing and needed to update the payoff prior to closing. We received the payoff XX/XX/XXXX. Then received another payoff XX/XX/XXXX ( it is not unusual for a lender to send updated payoffs without being asked ) XXXX XX/XX/XXXX payoff was altered with the lender name changed from XXXX XXXXXXXX XXXX to Suntrust/Truist and the account number was altered along with one digit in the payoff amount. We closed and the wire was sent to Suntrust/Truist on XX/XX/XXXX at XXXX. XX/XX/XXXX the realtor, seller and lender called to say the mortgage was never paid off with XXXX. After further research with our bank, XXXX, we find out that the name on the account was NOT XXXX XXXX XXXX, XXXX at Suntrust/Truist. Suntrust/Truist should have returned the wire since it didn't match what we sent. XX/XX/XXXX XXXX XXXX requested the wire to be returned as the title of the account and the account number didn't match. To date, I haven't been able to speak with anyone at Suntrust/Truist since I don't have an account with them ( I called their fraud department and they said they won't speak to me since I don't have an account with them ) The amount of loss is {$150000.00} and has been accruing since XX/XX/XXXX when we initiated the wire.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33324
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-25
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: On XX/XX/XXXX I purchased a used XXXX XXXXXXXX XXXX from XXXX XXXX of XXXX XXXX. During the financing stage, I was approved for the Loan and further persuaded and pressured into purchasing product add ons i.e. XXXX ( {$770.00} ) and a winter accessory kit ( {$1600.00} ) by the finance manager XXXX XXXX. Once Mr. XXXX informed me of my monthly payment with the add ons, I respectfully declined. Mr. XXXX left his office and came back with the sales representative XXXX. XXXX then further attempted to pressure me into keeping the packages. Once that tactic did not work and I declined for the fourth time ; XXXX XXXX, the financing officer told me that the bank had approved my loan with the add ons and that they could NOT be taken off less being denied for the Loan. Reluctantly, I moved forward with the purchase and was told that due to scheduling conflicts with myself and the dealership, my sales person XXXX would contact me on Tuesday to have the winter accessory kit installed on my vehicle.The day of purchase was Sunday. By Wednesday of the week no one made attempts to contact me. By this time I had other issues arise on the vehicle. I attempted to contact my sales person via phone and text. XXXX responded and said " I'm busy dealing with a difficult customer I will contact you later ''. He never returned my call. On Thursday, the next day I went to the dealership and was greeted by another sales person who attempted to help me because XXXX was off. The sales person placed 4 large boxes into my vehicle and told me they were parts and Supplies to the winter kit and that XXXX would contact me the next day to set up the time for installations. During the interim of two weeks post sale I was in contact with XXXX XXXX and explained that my issues at the time of purchase were not remedied. XXXX XXXX informed me that I needed to send more pay check stubs. At the time of purchase I emailed all financial documents asked and or required of me. Mr. XXXX stated the stubs weren't clear in format and that I needed to resend. The email was sent and Mr. XXXX stated he would be sure to have someone follow up with me regarding the issues with the vehicle at time of purchase. 30 days post sale, I have called the dealership more than 10 times and XXXX refuses to speak to me. The boxes are all still in my floor board. By their own contract it states the dealership must deliver in its totality all promised repairs or installations. 31 days post sale. I was contacted Yesterday from the finance manager XXXX XXXX stating he had " good news '' the finance company wants to re work my deal and wants to lower my payment by {$14.00}. He wants to send me a new contract. This morning I contacted the finance company and was informed that they did not finance my loan, further declined my loan and sent it back to the dealership. I believe I have been defrauded, encountered gross misrepresentation on behalf of the dealership and further encountered a breech of contracts. Additionally, XXXX XXXX on behalf of XXXX, apparently ran my name after I left the dealership which reduced my score further by nearly 50 points and at this juncture it would be extremely difficult to secure another loan. All the facts stated herein is the basis for my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My home mortgage company ( Suntrust ) is dunning me and assessing penalty fees for money I've paid on time. Paymient in full was made on XX/XX/XXXX and XX/XX/XXXX. These funds were deducted from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80401
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Sun Trust in the forbearance process has incorrectly calculated the principal balance of my loan. I am about to sell my house so I will lose this amount from the proceeds. Sun Trust has increased what was shown as a principal of {$290000.00} to {$290000.00}. They have been unresponsive, and they have been unwilling to fix the problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I was referred to Consumer Complaint by my Congressman, XXXX XXXX, the ranking Republican on the House Financial Services Committee. On XX/XX/XXXX, we purchased a XXXX cruise in XXXX and XXXX through a travel agent, who paid the airline, the cruise provider and the travel insurer with my Visa credit card. Due to a progressive illness, this was to be our last trip. It would have been difficult, but we chanced it while there was some possibility. When the Covid pandemic forced cancellation of the cruise, the air fare, insurance and cruise payments were fully credited by Visa back into my checking account. But then Visa re-debited my checking account again, saying the the cruise line had offered us an IOU. I explained that our medical situation made an IOU worthless. We explained this in great detail to Visa, multiple times, in routine dispute correspondence. The cruise line and XXXX Government guaranteed in writing to repay Visa if we did not take advantage of the IOUwhich we physically can't. We explained to Visa that the IOU was useless to us and why. Even so, Visa debited our checking account and proposes to hold the value of the cruise until the cruise line pays them in XXXX, essentially forcing us to loan Visa the cruise amount until then. Visa 's checking account debit caused transactions to bounce, triggering overdrafts and wrecking havoc with our bookkeeping at a time when other things needed our attention. We had to sell investments to restore our checking account and presumably our credit rating has been harmed by the overdrafts. We had paid everything we owed to Visa in full and on time. We explained the situation repeatedly by post and telephone calls. The barrage of apparently computer-generated form letters does not seem to be a good faith attempt to resolve the situation. Clearly we have no stake in the dispute between Visa and the cruise line. Certainly we have no obligation to save Visa harmless for the cost of the cancelled cruise until/unless the cruise line meets its its XXXX repayment commitment to them. We paid Visa in good faith and received nothing whatsoever in return for the payment. We need and deserve our money back..
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: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting the loan
Subissue:
Consumer Complaint: To start with I had {$870.00} in my checking account. I had received a voicemail from a XXXX XXXX, phone # XXXX, his employee # XXXX, in supposedly, XXXX XXXX, CA. He said headquarters in XXXX, XXXX for his company of Light Stream, a division of SunTrust Bank. He stated I could get a loan up to {$9000.00}. He already had some of my personal information, such as my phone number to leave me the message about a loan. Since he stated he was with Light Stream, I assumed it was legitimate. To process the loan he stated he needed to deposit {$980.00} into my checking account to make sure my information was correct, then he wanted me to transfer {$950.00}, by way of XXXX transfer, to him ( but the name was XXXX XXXX that was shown ). Then he deposited the {$980.00} back to my account, supposedly paying me back. Then he stated I needed to go to a store and get a prepaid debit card for the {$980.00} and call him the card number. That is when I got really suspicious. I told him I did not have a way to a store at that time. He wanted me to call a taxi or somebody to take me. I told him I would call him back after I got to the store. But instead I called my bank and the bank was calling me at the same time. They said my account was looking suspicious, so I told them to lock it. I did not get a prepaid card, but they got me for {$870.00} and so my account is in the RED now. So I have been SCAMMED much to my own fault and not realizing it. I hope these scammers get caught and not hurt anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 36109
Submitted Via: Web
Date Sent: 2021-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries. It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files. 1. Identity Theft REGIONAL ACCEPTANCE CO Account Number : XXXX This is not mine. I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX Iowa XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33023
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: This is coming up on six months now trying to get refinanced. I knew all along they would never do it as the are always requesting the same documents over and over. Some as much as ten times! They also had me pay for two house appraisals. They also did a hard pull on my credit 3 times against my wishes. They lowered my credit score by over 30 points down to XXXX just from the repeated inquiries. They wasted my time and money with no intent on refinancing ever. They see that I have everything paid and paid on time and never any late payments. They see that I have very little debt ( cars ) and yet they still won't re-finance. I have been led on this entire 5 + months and I am always calling and emailing them. I've had several different agents and contacts just to try and confuse me. It is not fair for a bank to take my money and lie to me about getting my house refinanced and string me along for almost 6 months. That is shameful. They should not be in the business of taking peoples valuable time and money to benefit their bottom line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2021-02-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Spoke with customer service yesterday, XX/XX/XXXX, and was told the amount of {$550.00} incorrectly debited from my account while it was frozen due to fraud would be returned on Wednesday to accurately reflect my true account value, XX/XX/XXXX after the system updated. 4 line items were nondescriptly posted to my account as Paid Item listed under the category Other : XX/XX/XXXX {$7.00} {$13.00} XX/XX/XXXX {$10.00} {$520.00} The only individuals who had access to my account at that time to enact debits were Suntrust Bank employees, as the accounts debit ability was disabled as well as online access. Suntrust Bank continues to delay use and possession of my personal property citing internal processes for the fraud and systems for the erroneous debits : an ostensible, rather than veracious reality due to severity, frequency, and consistency. Due to this instance, I will submit the requested amended complaint to reflect recent findings, remove XXXXXXXX XXXX from any culpability due to Identity Theft compliance, and add Suntrust Bank due to proven theft. The selected jury in case number XXXX with judge XXXX XXXX XXXX presiding will oversee the proceedings to determine if Suntrust Bank remains an ongoing concern or is demanded to divest, terminate, and dissolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34746
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A