Date Received: 2021-02-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: 1. I had a personal checking account with Suntrust. 2. On XX/XX/XXXX, a transaction posted to the account, in the amount of {$200.00}, from XXXX / XXXX XXXX, associated with the debit card ending in XXXX. 3. This transaction caused the acct. to go a negative balance of - {$190.00}. 4. There were additional fees for {$36.00} extended overdraft fee, bringing the balance to - {$230.00}. 5. The account was also assessed a monthly maintenance fee of {$20.00} on XX/XX/XXXX, also because of the overdraft status. According to XXXX XXXX of Suntrust, XXXX ( XXXX XXXX, XXXX ), this fee would not have been billed if not for the overdraft status. 6. There was a second $ XXXX monthly maintenance fee on XX/XX/XXXX, bringing the balance to - {$270.00}. 7. On XXXX XXXX, XXXX, Suntrust sent me a letter regarding the closed acct. and negative balance of {$270.00}. 8. On XXXX XXXX, XXXX, I contact Suntrust and spoke with XXXX in Collections, who provided information about the transaction history. 9. On XXXX XXXX, XXXX, the merchant initiated a refund of {$200.00} to the debit card ending in XXXX. 10. On XXXX XXXX, XXXX, I spoke with XXXX in Suntrust Collections, who suggested to call back to find out whether the {$200.00} posts to the balance or whether a check is to be issued by Suntrust and mailed to me. 11. On XXXX XXXX, XXXX, I spoke with XXXX again in Suntrust Collections. She was going to check with " back office '' to see if credit received. The call was disconnected. 12. On XXXX XXXX, XXXX, I spoke with XXXX again in Suntrust Collections. She said she could not see a credit, but said I need to contact Suntrust Customer Service and ask them to consult with the " Merchant Credit Dept. '' 13. On XXXX XXXX, XXXX, I called Suntrust Customer Service. The rep. says she can not see credit. I ask her to ask the " Merchant Credit Dept. '' as suggested to me by XXXX in Suntrust Collections. She says, instead, she will contact " Claims Dept. '' She puts me on hold, but instead transfers me to a different rep. in Suntrust Customer Service. 14. I ask to speak w/ Supervisor in Suntrust Customer Service XXXX 15. I speak with XXXX XXXX, Supervisor in Suntrust Customer Service. She says she does not see credit. I ask her to contact " Merchant Credit Dept. '' She refuses, instead insisting she will " check her resources '' instead. 16. XXXX XXXX says the balance is - {$270.00}, which is inconsistent with the letter I received on XXXX XXXX, XXXX, and what the Suntrust Collections Dept. states, which is a balance of {$300.00}, including an alleged XXXX dollar fee, also for a chargeoff. 17. According to XXXX XXXX, who spoke with " Suntrust Contact Center, '' and a " Specialist/Supervisor '', since the account already closed and the merchant provided the credit, the credit may not force on the account and they recommended that I contact the merchant for alternate options. 18. I explained to XXXX XXXX it was too late to contact the merchant for an alternative /because the refund was already processed. 19. I also explained to XXXX XXXX that she had not provided correct information, that it was Suntrust 's responsibility to receive the refund, process it, and provide the funds to me either via check or via a credit to the balance. Also that the information she was providing was inconsistent with what XXXX in Collections had stated ( which is the correct information ). 20. XXXX XXXX said she was just providing the information and following instructions. 21. Suntrust seems to be insistent on making this as difficult and nontransparent as possible ; and to want to steal my money by double billing me for a negative balance when a refund has already been issued for most of the balance. 22. If there is a " Merchant Credit Dept. '' apparently there is a conspiracy in Customer Service not to talk to them. 23. Suntrust seems to be content with the idea that my funds disappear into thin air as a result of their failure to process a refund ; and somehow they want me to pay twice for a refunded charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30314
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Please refer to my previous CFPB complaints about this matter : XXXX and XXXX I had opened a Checking account with BB & T during XX/XX/XXXX or XX/XX/XXXX. I have setup the direct deposit also. I have no idea why BB & T has blocked my online access? As during COVID-19 me and my spouse is working remotely ( from home ) as well as helping the kids during their online schooling. It seems BB & T called and my spouse picked up up the call - but he was in a meeting and I was also in the meeting. I tried to call back BB & T at XXXX but there is so many confusing menus and no way to reach out a human being. Worse thing - during this pandemic - this bank is giving tough time to it's customers - by blocking their online access for no good reasons. Moreover My XXXX payment request is also blocked or stopped. I want full access to my BB & T and freedom to use my account - as end of the this is my money and I need to have the access during this testing times. For this I filed a CFPB complaint. Seems to be the case that CFPB is a toothless agency with no powers. CFPB merely forwards the message and do nothing. I got the worst possible response from this bank : Neither they will unblock the account nor they will close my bank account and send the balance to me. It seems to me that this BB & T is not a bank but some militia who has their own set of rules. Neither they will unblock the account nor they will close my bank account and send the balance to me.
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: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Since I opened the account a year ago I have been getting charged overdraft fees. Ive written, called, and went in to tell them to turn it off. Now it is getting ridiculous. I am getting charged 2-3 times for every overdraft. {$72.00} for a {$1.00} overdraft. It is wrong in times where the world is in a pandemic. It is greed like this that has taken away humanity in the world. I am a XXXX XXXX XXXX with no job and no unemployment. I do not need my bank robbing me of XXXX of dollars charging me 3 times per overdraft fee. I feel like it is illegal and wrong that a company can do this and get away with it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 25526
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have had mortgages for condos before and we have NEVER had the problems that we are having with this new loan through Suntrust/Truist Bank. I keep getting letters that they are going to purchase insurance for for us unless we submit proof of insurance. I do that and they send me another and another with dire warnings. First it is for unit and flood because there was some sort of mix up and they didn't get info at closing, ok. The next was for condominium master policy which is paid by the association and covered through our HOA dues. They want us to submit proof every year that the association has insurance or they will purchase a policy for us so that we would be double paying. What? Now they are telling us even though XXXX sends them the bill every year, we have to contact Suntrust and tell them that we are renewing with XXXX for flood and wall to wall or they will automatically purchase their preferred insurance for us. In essence, we have to contact them XXXX times over the course of a 30 yr loan. They can not put it in their system to automatically pay XXXX every year unless we tell them otherwise. This is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2021-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I called Truist customer service to close a checking account that had a balance of {$0.00}. When I spoke to the customer service representative they said they were going to transfer my call to the charge off department. So they transferred me to the charge off department, who proceeded to ask me questions regarding my address and my phone number, and then said you don't have a charge off. Then they said, we don't close accounts here because we " are the charge off department. '' They said you have to go to a branch. Then I asked why can't I close the account with you on the phone, and they said it's our policy that you have to go to a branch. Their practices are deceptive as I called to close an account, they proceeded to answer personal questions and at the end they said you have to go to a branch. I want to close a checking account that has a {$0.00} balance on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-05
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/XXXX SHEFFIELD FINANCIAL CO XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious SHEFFIELD FINANCIAL CO XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the XXXX District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS 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: 334XX
Submitted Via: Web
Date Sent: 2021-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This is to ask BB & T Consumer team to remove hard inquiry recorded on my equifax on XX/XX/XXXX there is issue happened you guys pulled my credit twice for approval credit card application XX/XX/XXXX AND XX/XX/XXXX So i'm ask to remove it from my credit buearu i'm valued customer with BB & T i have active checking, busniess, credit card acounts checking edning XXXX XXXX XXXX credit ending XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18102
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an online checking and saving wiIth SunTrus bank in XX/XX/2020, then I used their APP to deposit a bank check issued to me by XXXX XXXX with an amount of {$3400.00} ... ..within few days the the online account showed me that the check has been cashed and money was available to my use. 2 week later I added an external bank through Suntrust and they verified that bank through depositing 2 small amounts to it .... I tried to transfer part of that money to the external account so I can have access to the funds since Suntrus never sent me a debit card to use even after i called them few times to do so.but instead they closed my account and removed my access to the account with no known reason to me, when I called them to investigate they said they would mail me info on why they closed the account, but they never didi. I called them 3 times to have them mail me a check of the funds that are still in the account, one time they said they would send it in a week, in another call they said tow weeks, and never did. I called them multiple times after that they started saying that the bank who issued those check that I have already deposited and appeared on my account as available funds put a hold on the funds after they have been cashed!!! I called the Issuer bank ( XXXX ), they assured me they never put a hold on the checks, they also mailed me a copy of those checks as per my request. in my last call to SunTrust they said they wouldn't send me my money and the issuer bank need to recall the money, I called the issuer bank and they said they cant do it because they dont have the money and there is no hold. SunTrut refused to call XXXX nor to send me any statement about the issue and the funds nor they allow me to talk to any manager, when I asked about a time frame for my issue to be resolved they said they don't know, it could take months and without the XXXX XXXX recalling the money that SunTrut have already they wouldn't do anything and my money could stay there indefinitely!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21223
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a used car XX/XX/XXXX with the first payment due XX/XX/XXXX in the amount {$470.00}. The finance agreement was for 72 months which ended XX/XX/XXXX. I paid an additional 4 months with the last payment send in XX/XX/XXXX which covered deferred installments during the life of the loan. I completed the 72 months and the contract amount of {$34000.00}. When I called to get information on my account, the automatic system stated that I had a payment of {$3100.00} due XX/XX/XXXX. When I called to get access to my online account information, it was described to me as an " end of contract '' payment. I requested an explanation of the additional charge with their online customer service with no response ; I sent XXXX Priority Mail letters to their XXXX, NC headquarters for the President, XXXX XXXX XXXX and their COO - no response to date. I submitted a review with Consumer Affairs which was forwarded to the company for a response - no response to date. I reported this as a fraud claim with FTC today. That's when I found this website for finance problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 871XX
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I was in XXXX XXXX with friends on a trip in XXXX when my wallet and phone were stolen at a restaurant. After failing to find the stolen phone and wallet, I contacted SUNTRUST and reported my card stolen. At that time they went over several transactions that included ATM withdrawals. During this recorded line, I let them know what was my last transaction and all the fraud one. They made two cases - one for the ATM charges and the other for actual credit charges. At the same time I had to contact XXXX and try to get a new phone. I received a letter stating that both fraud charges were denied and contacted SUNTRUST to find out why. They refused to give us information and stated that we could only do an appeal. They sent us the form needed and I filled it out. In the appeal, I showed proof of requesting new phones, money transfers that my wife sent to my friends since I had no way of getting cash since my bank account was emptied. After 45 days - where we called several times and were told that no information could be given - we received a second denial. There was no explanation, no documentation of the investigation to back up the decision. We recorded this phone call because of all the false information the bank kept giving us. We were finally sent to a supervisor who stated that there was nothing else we can do. After an appeal is denied there is no futher procedure to fight for injustice. There is no proof of the investigation and the supervisor could not give us a reason for the denial. We recorded the supervisor informing us the the decision is given to a specialist and once they decide SUNTRUST will not do anything else. My identity was stolen, my bank account was emptied ( over {$1000.00} ) - my bank history shows I have never taken out more than XXXX cash ever at one time - EVER since I opened the account but they refused to find 5 transactions of XXXX at an atm unsuspicious! At a time where we need funds and shouldn't be playing around with a family 's finances, SUNTRUST literally told me they would do nothing. I'm considering getting an attorney because this is UNFAIR and ILLEGAL!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32907
Submitted Via: Web
Date Sent: 2021-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A