Date Received: 2021-01-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, 2020, SUNTRUST AUTO DEALER FIN add a hard inquiry on my credit reports. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit reports. On XXXX. XXXX, 2020, XXXX XXXX XXXX add a hard inquiry on my credit reports. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2021-02-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: SunTrust Bank placed a negative hit on my credit report. My former husband illegally obtained a equity line of credit on a rental property that we owned with out my permission. He did this with the bank employee who was also the notary. The property eventually went to foreclosure and I was not able to make the payments due to the 2 mortgages on our primary home. My former husband abandoned me and left me with all the debt. All I am asking is for SunTrust to remove the negative credit hit so that I may move forward with a refinance on my home. They refuse to comply. I have sent them documents to support my case but they still refuse. I have sent them the following : a police report, an identity theft report, a deposition excerpt from the notary who admits she never saw me sign the equity line of credit. The property after a year went to foreclosure and then auction. SunTrust was fully paid the amount that was due on the loan. I have the letter of satisfaction. I also have a letter explaining my situation that I sent to SunTrust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23320
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I opened a XXXX credit card with Suntrust. The card did not allow for payments to be made online. The only way to pay the card was by telephone or by placing a check in the mail. I made a payment by telephone and received a letter in the mail informing me the payment did not go through. At the time I made the payment, I was told I did not owe a payment so I just figured I would wait for my next statment in the mail. After, not being able to use the card I call on XX/XX/XXXX and was informed I missed a payment. At this point I decided to payoff the card and close the account. I was unable to make online payments and get accurate information concerning the balance on the card and so I decided to just get rid of the card and close the account. I was given the balance on the account from the suntrust repersentative and gave by bank information over the telephone to pay and close the account. {$5100.00} was withdrawn from my savings account and given to Suntrust. The Suntrust representative closed the credit card account and applied the payment to an account that did not belong to me. I found out the payment was applied to the wrong account when I returned a call from Suntrust. I was told the situtation would be corrected and asked to file a complaint against the employee who applied my payment to an account that did not belong me. A letter was mailed to me from SunTrust on XX/XX/XXXX, stating that the balance was {$5200.00}. On XX/XX/XXXX, I receive a letter from Suntrust stating that the balance due on my card is {$5200.00} and that I have a past due amount of {$70.00}. They still have not correctly applied my payment. I reached out to SunTrust this morning, I'm told that in order to move forward with my call, I must answer two security questions. The first question was, " What is the credit limit on the credit card '' I don't know the answer to that questiong given that I closed the account and not able to look up that information. I was placed on hold and then latter told that a supervisor would call me back. I had given them my EIN number, the name of XX/XX/XXXXXX/XX/XXXX and provided the correct mailing address, but I can't move forward with my call because I don't know the credit limit on a credit card account that closed two weeks ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XXXX XXXX XX/XX/XXXX Acct XXXX - suntrust What has happened with the wire transfer that was accepted by SunTrust on XX/XX/XXXX from Ms XXXX XXXX.?? On XX/XX/XXXX, Ms. XXXX went IN person to her branch at XXXX XXXX XXXX ( XXXX ) & initiated a wire transfer to be sent to XXXX XXXX to the account ending in XXXX. SunTrust accepted the deposit & immediately froze the account. The funds were never made available & are still being help by SunTrust. After numerous phone calls to the Fraud dept. at SunTrust- which is located in the XXXX - they keep stating an investigation was underway & I would hear from an agent. I never heard from an agent. They would not give me any information or release any funds to me during this time. the only info they gave me was there was a problem with the wire. All calls to them were on recorded lines- During our conversations- I instructed them to return the wire & in several conversations they did state that they would do that. The agent never stated any additional paperwork was needed from either Ms XXXX or me. That NEVER happened. The agent also stated I would NOT be getting a refund of any money from SunTrust that were in the accounts prior to the freezing of the accounts that SunTrust had the rights to keep all the funds in the account. Their agents berated me treating me as a criminal. After MONTHS of not being successful in getting resolution,. I was forced to file a claim with the CFPB to get this resolved. I received a letter from SunTrust in XX/XX/XXXX stating the accounts were being closed due to Fraud, To protect their client ( myself ) & the Bank. Tell me WHAT fraud has been committed on behalf of me or the bank. I had been a client in good standings for many years. All my transactions were done in person. I even had a XXXX done on my information & I have a spotless record.. along with a perfect credit report. Thinking someone had done fraudulent acts under my name. Nothing showed up. Claim # XXXX-was filed. attached is the response still funds being held. not resolved Ms. XXXX answered the claim. Prior to this response I had had several phone conversations with MS XXXX. NEVER had she mentioned the hold harmless form was needed to get the money wired back to XXXX- ( XXXX XXXX XXXX ). It was only after the claim was filed that this document needed came up. Again all my conversations with her were on a recorded line. The only resolution this 1st claim resolved was that the funds they had prior to the wire being in the account were going to be released to me. a few weeks later I did receive these funds- ( the same funds their XXXX agent said SunTrust had the rights to keep ). Claim XXXX 2nd claim - The response is attached- Ms XXXX stated the 2 banks would communicate to get this resolved. THIS NEVER HAPPENED. SunTrust did not try to get it resolved. In fact they wouldnt even respond to XXXX ( XXXX XXXX XXXX ) attempt to contact them. At this point I gave Ms XXXX all the copies of my correspondence with SunTrust & also copies of the complaints with the CFPB so she can bring them to her bank so they would know specificially what Suntrust was requiring so both Ms XXXX & myself can get this resolved. Attached are all the attempts Ms. XXXX has had to initiate to try & get a recall of the funds. After months of me trying to get resolution-Ms XXXX took the information to her bank & showed them the response from SunTrust in regards to the hold harmless they are requesting. Attached is the answer her bank had to that If they were to file that Hold Harmless- it would be fraudulent as Ms XXXX initiated the wire transfers in person. ( again what Fraud has been initiated ). Ms XXXX made several attempts with XXXX & Also SunTrust & did not get any resolution. IN fact SunTrust stated the case was closed & the funds were no longer available. This was a statement they made to XXXX XXXX XXXX XXXX- ( attached is a copy of this letter to ms XXXX ). Where did the funds go. Ms XXXX reached out to me- asking if I had the funds. Which I answered NO, they have never contacted me again after XX/XX/XXXX. She had also contacted an attorney in regards to this matter & his response is in her paperwork - that Suntrust can not keep the funds. That once they accepted the wire they funds MUST be made available - this is an FDIC guidelines ( referring to FIDC correspondence dated XX/XX/XXXX XXXX that refers to the timing a wire can be available. Suntrust NEVER made the funds available- matter of fact- they are still holding it. All supporting documents are attached from myself & Ms XXXX in our Attempt to get resolution. Since SunTrust refuses to send the money to Ms XXXX ( SunTrust wanting her bank to commit fraud with a hold harmless ) & it is illegal for them to keep it & SunTrust accepted the wire .. leaves many unanswered questions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We are the XXXX XXXX XXXX XXXX files a Chapter XXXX BK XXXX and ever time we try to make payments on our Suntrust MTG ( Truist ) account # XXXX there are issues so the account is consistent goes last due. Payments cant be made by nonlinear, phone and regular frontline agents and collectors cant the payment. This last time we sent a bank wire for the full past due XX/XX/XXXX it was returned by Suntrust and all the information was correct ( amount, payee, account # and their address. Once the funds became available I called Suntrust XX/XX/XXXX and spoke a frontline agent and her manager and after 1 hr. They apologize so I called back and ask to speak to the BK as I am trying to make a payment they transfer me and it route back to XXXX XXXX who were unable to take a payment. I hung and called back 3rd time that agent was the least helpful stating she could hear. I hung up and back then after 35 minutes a competent employee XXXX who processed a payment. This is a clear violation of UDAPP deceptive acts and practices because they read the disclosure attempt to collect the debt and if you file BK you may not need to pay the bill however Suntrst can take action on the property The home was excluded from BK and I am trying my best just to get them to take a payment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30102
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: XX/XX/XXXX I was charged {$140.00} in Overdraft Fees for {$20.00} overdraft as well as on XXXX/XXXX & XX/XX/XXXX I was charged 2 Overdraft fees over the same transaction twice
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33193
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage with BB & T and despite having a condo Flood insurance policy, the mortgage company has been charging me flood insurance. Multiple calls confirming that I do have insurance have been unsuccessful. The last attempt on XX/XX/XXXX confirmed that I did indeed have insurance and I was promised a revised billing schedule and a retroactive credit and adjustment based on the fact that I had incurred unwarranted monthly charges starting in XX/XX/XXXX. On XX/XX/XXXX, I received a letter stating that my last mortgage payment was short by {$150.00}. BB & T is not acting as normal lender but like a debt collection agency more interested in collecting insurance and late penalty than servicing their customer 's loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My checking account with Suntrust is closed without any information. Its been closed for over 2 months now. I call every week for an update and they do not have any. That was my only bank account i used for everything. It caused an inconvenience for me because i used that to pay all my bills. I was left with nothing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37086
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I noticed inaccurate information on my credit reports and I've disputed them with the credit Bureaus. It's been over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19802
Submitted Via: Web
Date Sent: 2021-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-25
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I opened an online checking account with BB & T Bank approximately 2 years ago. On XX/XX/2021 I tried to make a bill pay online using this account and kept getting a message that I didn't have an eligible account for bill pay. I called their customer service on XX/XX/XXXX and XX/XX/2021. I have spent approximately 2 days and 4 hours on the phone trying to resolve this matter. They finally informed me my account was dormant and I had to go to a branch to make the account active. The nearest branch is 214 miles one way from my house. I explained to them how far it was and said I would like to close my account then. They informed me I had to go to a branch to close my account. I asked to speak to a manager. I told him I didn't understand why I was able to open an account online if I had to do my banking business in branch. It is not reasonable for me to have to drive that far. I also explained I did not receive any kind of notification that my account was going dormant. Nothing was resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 479XX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A