Date Received: 2021-02-12
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I was removed as authorized user on this account years ago, but it is still reporting on my credit and when I call the bank, they can't give me any information on why it's still reporting on my credit, even after I was removed.
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: 2021-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Back in 2013 regional Acceptance open up a car loan in my name ... I found out about it when I created an account with XXXX XXXX We I learned about I immediately file a dispute for over a year to report the fraudulent account ... but regional acceptance kept sending back to XXXX and XXXX the the account belongs to me ... I never had a account with regional acceptance and I shouldnt be held responsible especially by me making 15 hours a week XXXX an hour! This is so wrong how they are doing me I will like to have them supeona and have them give all the washes the was sent in telling me how much I was making
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: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2021 I entered my BB & T ( Truist ) branch at XXXX XXXX XXXX, XXXX XXXX, FL to execute a wire transfer from my business checking account. ( I bank personally and professionally at BB & T/Truist. ) The wire was necessary to pay an invoice to a company that I am engaging to help me grow my business. ( I am self-employed, 25 years. My business is a C-corporation with myself as the sole employee. ) My bank accounts are fee-free as I maintain minimal deposits on-hand as necessary, and my business checking account is a " small business '' type. The bank representative informed me that the wire transfer fee would be {$30.00} from either my personal or business account, but I informed that I do not mix funds in this manner and that this was a business transaction and needed to be taken from my business account regardless. Later that afternoon, the bank representative called me to inform that she was mistaken and that the wire transfer fee from business accounts was {$65.00}, and that I would be charged {$65.00} for the wire. This is unconscionable and unethical : the exact same service differently charged solely because it is being executed from a ( small ) business account versus a personal account. I called the BB & T/Truist main customer service telephone number ( XXXX ) and spoke with XXXX who put me in touch with the branch manager XXXX XXXX ( XXXX? ) who informed me that he would credit the entire {$65.00} fee this time because I told him that I would also be paying - via wire - the second half of the total invoice for this company in 30 days, at which time we agreed that I would pay the whole {$65.00} wire fee which, in total, would essentially compensate the bank as if I was paying the {$30.00} fee for each wire. The excuse XXXX gave is because this is how the " system '' works. This fee-grab by BB & T/Truist is just that : obviously it does not cost more to execute a wire from a business account versus a personal account. Further, as a really struggling business during this financial COVID-induced crisis, I can ill-afford to be burdened with any excessive costs, let alone unnecessary bank fees by financial institutions looking to pad their bottom lines, profit margins, and bonus checks. Charge consistent reasonable fees for services across the spectrum of customer accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-11
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: An individual accessed my online banking attempted to use XXXX, added a bill pay recipient, changed my address on file, and attempted to fraudulently deposit 2 checks each in the amount of {$1500.00} around XX/XX/XXXX. On XX/XX/XXXX, my account was frozen. I contacted Suntrust 's fraud department on XXXX stating the fraud and was informed it would be escalated with resolution in 2-3 days : the companys interests are held superior to their clients interests. A follow up on XX/XX/XXXX yielded no further information, but I am the victim of Identity Theft in the amount of {>= $1,000,000} to utilize for the policing of these wanton, reckless, and negligent organizations. Suntrust was already informed of their rights as concerned with the law : theft is preventing access to funds that are rightfully the property of said individual. The contracts written contain fine print and do not meet the definition of conscionable due to non-disclosure of said terms including their universal applicability : selective application is a criminal activity. In the case of XXXX XXXX XXXX XXXX XXXX XXXX XXXX al the following banks were found guilty of disability discrimination : XXXX XXXX XXXX XXXX The continued criminal theft and drug deals have been overlooked due to ample legal and monetary resources protecting illicit operations. Unfortunately, case law denotes, XXXX v. XXXX, their guilt regardless of their stance and comprehensive argumentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08844
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Suntrust closed my account and havent issued me a check yet I keep getting the run around everytime I call they give me no exact date they will send it or give me no time frame
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20002
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: As a co-signor, I was not aware that this account was considered a charge-off while waiting for account holder 's insurance to pay for vehicle. It was determined that GAP insurance would not pay the remaining balance. I as the co-signor, did not know the account was past due or in a charge off status, because I was not made aware by the company. I contacted the company in XX/XX/2020 to ask about my SCRA benefits as a veteran, and was denied those benefits. The account has since been paid but was reported as a charge-off on my credit report without my knowledge. I am in the process of trying to buy a home and the negative remarks from this account, is hindering that. Especially because I was not aware of the delinquencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is with Suntrust/Truist. In XXXX of last year, I requested forbearance and it was granted for six months ( email confirmation received XX/XX/XXXX ). After a couple of months, my father offered to pay for a bit to help me not incur penalties at the end. However, as we were approaching the sixth month of forbearance, I told him I didn't want him to keep assuming that burden. I mention this because the payments during the first six months were intentional. Suntrust/Truist called me in early XXXX and asked if I wanted to extend the forbearance ; at that time I hadn't made a decision and would call them back. Later that month, I called, requested, and was granted an extension of three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. In XXXX, I called and requested the final three months ( XXXX ) and received a confirmation email on XX/XX/XXXX. When recently reviewing my bank statements preparing for taxes, I suddenly realized that Suntrust/Truist had reinstated payments in XXXX and had been drawing payments since the end of the first six months, even though my forbearance was extended ( {$2300.00} for XXXX, XXXX, XXXX, and XXXX ). Today XXXX spent close to THREE hours on hold or talking to a total of SIX different representatives, the first five who said they weren't the right department and the sixth said I had called them in XXXX and asked them to reinstate payments ( not true ). When I told her that wasn't true, explained the fallacy in that statement ( why would I reinstate automatic payments when I was requesting forbearance?! ) and asked her to prove it with the recorded phone call audio ( since they record all calls ), she put me on hold for another 15 minutes and then hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: My account overdraft fees are turned off so that I don't get my account overdraft still i get overdrawn by the bank every time I use my XXXX. Suntrust now truist is not willing to resolve this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33511
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-10
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I am repeatedly receiving phone calls that are not going to an actual agent. The calls are silent. The calls are daily and several times. There's no one on the other side, just silence. The calls have become VERY intrusive. I have attempted to speak with the billing department to discuss my payments. I have explained in unemployed due to COVID and need different payment arrangements. They refuse to take partial payments as I receive unemployment payments. I have attempted to receive assistance from someone at a branch with no success.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2021-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-09
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Multiple cards for XXXX XXXX charged on my account. They have done nothing. Starting in XXXX XXXX by BB & T XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 329XX
Submitted Via: Web
Date Sent: 2021-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A