Date Received: 2021-02-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX XXXX two payments were made to my mortgage account totaling {$2300.00}. I called Suntrust and asked for one of the payments to be returned via express wire transfer so that I can pay the remainder of my household bills that month. I faxed and emailed the requested documents immediately. Days passed and the payment was never returned. I called Suntrust again and was told that my XXXX XXXX XXXX account information was entered incorrectly. At that time, I provided my XXXX XXXX XXXX XXXX again and was told that I would receive my payment in a couple of days. Days passed and I still did not receive a wire refund payment for {$1100.00}. I called Suntrust Bank again and was told that a check was sent via mail to my home. I informed the associate in XXXX that I did not want a check and requested an express wire transfer in hopes that I would get my money back quicker so that I could pay my household bills on time. The Suntrust associate then put a stop payment on the refund check in XXXX and told me that my case would be escalated and that I would receive a wire transfer. So since the associate told me that a stop payment would be placed on the check already in the mail I knew that I could not use it or deposit it once it arrived to my home. Once again, days pass and I never received a refund. Fast forward to XX/XX/XXXX. I still did not receive a refund for one of my payments from Suntrust Bank. My XXXX XXXX XXXX account at this point has been overdrawn - {$600.00} and I have acquired numerous overdraft fees as a result of not receiving a refund from Suntrust in 17 days. On XX/XX/XXXX I was forced to file a claim of fraud against Suntrust as 17 days had passed and I never received a refund. XXXX XXXX XXXX issued me a temporary credit for {$1100.00} while they come to a resolution with Suntrust and resolve the claim. At this point the mortgage bill for XXXX is paid in full ( {$1100.00} XXXX and the second payment of {$1100.00} taken out in XXXX is being disputed by XXXX XXXX XXXX. On XX/XX/XXXX I received a call from Suntrust bank stating that I owe Suntrust a total of {$2300.00} for the month of XXXX and for the month of XXXX. This was completely false and incorrect. The mortgage bill was paid fully in XXXX, in fact SunTrust processed and kept two payments totaling {$2300.00} so there was no way that I now owed Suntrust {$2300.00}. I have included my mortgage statements for XXXX and XXXX where you can clearly see the inconsistency. When I spoke to a manager from the customer service department he said that they cant find the payments and need to track them down. At this point I deleted all of my XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX so that Suntrust wouldnt take any automatic payments. On XX/XX/XXXX Suntrust figured out what happened to my payments and themselves applied a payment for {$1100.00}. This is the payment that Suntrust applied to my account on XX/XX/XXXX is what they are trying to claim that I made a late payment. I have paperwork stating that they had issues on their end which I why I never received the refund requested Im XXXX. On XX/XX/XXXX, I spoke with the Executive Service Representative XXXX XXXX and informed him that a stop payment was already placed on the check sent out in XXXX. He verified that the check was still outstanding because I was informed in XXXX that it was no longer valid. On XX/XX/XXXX XXXX XXXX then took those funds from that unusable check and applied it back to the XXXX payment. This should have been done in XXXX. This was a mistake on Suntrusts part. They informed me in XXXX that the check was no longer valid so therefore they still had XXXX payment of {$1100.00} and still had an additional payment on {$1100.00} that was unspoken for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I paid off the Sheffield note, but they didn't give me the exact payoff on the date I paid it. Obviously, they neglected to include an imminent accrued interest of {$5.00}. So {$5.00} was left owing on the note. I actually asked for the current payoff on the telephone and PAID IT THAT DAY, so this was the clerk 's mistake for giving me the incorrect payoff. The clerk also confirmed the note was paid in full at the time. It was not until the " late payment '' showed up on my credit report that I even knew there was an issue. ( I did not receive any additional payment requests ) At the time, I spoke with Sheffield, they apologized, I paid the {$5.00} and they assured me my credit rating would be returned to " Paid as Agreed '' but I see it is STILL showing I was delinquent. Since the company didn't remove the error as they agreed, I felt you were my only option to getting this issue resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76208
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I requested a modification which was approved. However it was reported late. Spoke to a supervisor whom stated that the late report was going to be removed. I got a notification however my credit score dropped over 100 points and has not shown an increase. The modification is inplace and I also made a XXXX dollar payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: Regional Acceptance Corporation is charging me an extra 3 months on my car loan which totals to {$930.00}, they have claimed I have missed 3 payment which I contacted them about that and told them that I have made every single payment on time and I have the proof of every payment I have made and they asked me to email them copies of my proof of payments for every single month and I did and I havent heard back from them no more and they have not helped in resolving the issue. This has been affecting me and my credit immensely. I need help desperately to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90001
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, my name is XXXX XXXX. I have a big problem with suntrust bank since XX/XX/2020, the bank closed my account and I had funds in this account of {$12000.00}, the bank closed the account and there is money in the account {$12000.00} after close. I contacted SunTrust Bank customer service directly and he said we closed the account and put the money in the wallet without any reason and they said the money is in XXXX XXXX, so why is my money in XXXX XXXX Money on Suntrust account, 1- Why did SunTrust Bank send money to XXXX XXXX ? They said I have to contact XXXX XXXX, so how do I have my money with suntrust bank and they want to contact another bank? This is the third report I have written in SunTrust, no one is calling me ignoring my reports and they don't want to fix the problem, I am trying to solve this problem without court but if SunTrust contacted me and tried to send it cashback on my address with a XXXX check I will sue SunTrust in court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38018
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Through XXXX, I filed multiple disputes regarding a duplicate entry and wrongful designation of a credit account with Sun Trust bank Loan Account. I tried 3 times to get XXXX to get Sun Trust to update this account and every time it was reported back as accurate. Finally on XX/XX/XXXX I sent the Suntrust credit reporting dispute department a letter. It outlined all the issues in the report. Including improperly designating it a charge off, for which it was not. They also added a duplicate entry in XXXX, so that it looked like a new account reporting 2 years after it was included in a chapter XXXX bankruptcy by my husband who was the joint account holder. My husband filed for chapter XXXX bankruptcy in XXXX of XXXX. They are well aware of these facts. As of today, 2 full months, and well after both 30 days and 45 days I have yet to here anything from them. They have violated my FCRA rights. I have included the letter they were sent on XX/XX/XXXX. As well as screen shots from my report showing it as both a charge off and a duplicate entry with 2 different billing addresses. They have yet to respond after almost 2 full months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85255
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: at the end of XXXX i began to have fees placed on my account that would place me in a hardship that i would not recover from. There was numerous fraudulent transaction on my account that they were fully aware of. I was not notified. They simply kep processing them even after the first card was cancelled. i received a bad check from a vendor in XXXX of XXXX with a account balance over XXXX XXXX in checking and XXXX in savings the check. the check was only for XXXX no issue i had money to cover it never the less i didn't spend a dime in that account two weeks prior or any time after four more payroll checks were deposited. i losses it all even with the 25 pending disputes that were in my favor. because the third party merchant informed me that they reversed the payments at question. I called non stop and if they were not hanging up they simply pretended to forward my issues but nothing was done. I loss almost XXXX this created a big hardship for me and my XXXX kids. please help i have all of the needed documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21229
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: XXXX and BB & t accounts continue to reappear on my credit report after being disputed and resolved as being removed and deleted from my credit report from XXXX. It had caused me adverse actions and obtaining the appropriate credit I deserve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27401
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: We contacted SunTrust bank on XX/XX/XXXX to refinance our current mortgage. We completed the paperwork shortly after XX/XX/XXXX. They ran our perfect credit and found no problems. It is now XX/XX/XXXX and they still have not closed. They contacted us a couple of weeks ago and said they had to run a credit check again. 5he check has unaffected our credit score. We have also been paying our mortgage at a higher rate and amount since XXXX. They will not return calls and emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37167
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I applied in XX/XX/XXXX and after fulfilling all the requirements the bank will not give a response, allowing the documents to expire and not able to provide a response, this has happen up to 3 times during XXXX and the involved agents will not give me an explanation why taking so long that papers have to expire 3 times. Financial statements, covid attestations, credit pull every time again and again, which also damages my credit score etc.. In XXXX when i was expecting an answer, they just send me an email stating there is a new agent and has to start process again. So finally now in XXXX i decide not to continue with Suntrust mortgage lender institution. My credit is good XXXX, own a house Is there a bank negligence? 3 times, every financial statement requested to my accountant has an additional charge and pull credits reports XXXX XXXX XXXX Re : XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33021
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A