Date Received: 2021-01-13
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 XX/XX/2019, SHEFFIELD FINANCIAL add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX XXXX, I add a hard inquiry on my credit report per XXXX. On XX/XX/2019, XXXX - XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. 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: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I see multiple 120-150 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good morning- In XX/XX/XXXX we inquired with Suntrust Bank regarding a possible hardship due to the Coronavirus. Suntrust automatically put us in " loss mitigation '' and or " forbearance '' as they use these terms as meaning the same thing which they aren't. We never asked to be put in loss mitigation or a forbearance. My spouse and I made sacrifices for other things, but continues to make monthly payments for our mortgage and infact paid slightly more than our mortgage amount. In XX/XX/XXXX, Suntrust no longer was applying our monthly mortgage payments to our loan, but continued to put these in an " unapplied funds account '' as I noticed this in our XXXX statement. We continued making the monthly mortgage payments timely ; however, Suntrust was not applying the funds to our loan and continued to put these in our " unapplied funds account ''. I contacted Suntrust Bank via phone starting in XX/XX/XXXX requesting that these unapplied funds be put towards our mortgage ASAP ; however, this request wasn't fulfilled until XX/XX/XXXX. In addition, during my several phone calls to Suntrust throughout XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I advised the Suntrust representative that I never requested a forbearance or loss mitigation. I was advised that my simply inquiry on this was sufficient. Per Suntrust 's website it's required to gather documentation from me in order to process this request. Myself nor my spouse submitted any documentation. I requested the documentation/ recording on when I requested a loss mitigation/ forbearance and I have yet to have anyone submit this to me or confirm that a loss mitigation/ forbearance was requested. On XX/XX/XXXX, Suntrust representative contacted me to confirm that the loss mitigation/forbearance was removed from our account but in order to take this out of this status they needed {$1300.00} from us. I felt as if Suntrust was extorting me for more money just to remove the loss mitigation/ forbearance status from my account and apply the funds to our mortgage. The representative on XX/XX/XXXX confirmed this needed to be paid and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX 's payments would then be made and credited to our account. On XX/XX/XXXX my current statement shows that we owe {$2000.00} and we have {$1700.00} in unapplied funds. I called Suntrust on XX/XX/XXXX and was advised that the over payments we issued of {$78.00} were not applied correctly and someone was going to correct it. I have requested from Suntrust a letter that all payments have been made on time and that we didn't request a forbearance/ loss mitigation as my credit report reflects our mortgage being in a hardship. This letter hasn't been received and that no one can send this to me. I need this letter so my credit report can be updated so we an refinance our home. It appears Suntrust is aware of us refinancing the home and is trying to delay the process so they can continue to collect interest on our existing loan and or make money on our money. I am just requesting assistance so this can be straightened out and this doesn't happen to anyone else. I have spend many hours dealing with this and no one at Suntrust seems to care or want to help assist. I have asked for a manager/ team lead/ supervisor to call me back multiple times and no one calls me back or helps with the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63367
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We have been trying to refinance our existing loan with BB & T since late XXXX XXXX with XXXX XXXX. We kept BB & T advised of this because we were advised to discontinue our mortgage payments by XXXX since our loan would be closing quickly. I tried to get copies of the recordings from XXXX to evidence this, but they refused to provide. BB & T said they would note our account but did not advise us that we would be reported as delinquent, which I believe they are required to do on each call we had with them. I also tried to get copies of calls from BB & T as evidence, but they refused to provide. In a call with BB & T and XXXX in XXXX, I, once again, explained that we were being told not to pay the mortgage and both XXXX and BB & T representatives on the call gave the impression that there was no problem and our loan application would not be impacted. The BB & T gentleman made no attempt to explain that we would be reported as late. When it became obvious in XXXX that the loan was not going to close before the XXXX payment was considered late, I sent a payment to BB & T using EFT on XX/XX/XXXX for {$5800.00} which I thought would cover XXXX payments, as well as {$260.00} in late fees. This payment was returned to me by BB & T on XX/XX/XXXX. I called BB & T to understand why it was returned and was told it was because there was an active payoff quote on the loan, which already included the XXXX payment amounts. I took this to mean the load was going to close imminently and followed up with XXXX. XXXX indicated they were going to decline the loan because BB & T was reporting us 90 days past due for XXXX. I called BB & T back on XX/XX/XXXX ( spoke with an " XXXX '' ) and learned the XXXX payment was returned because it was {$61.00} short due to a payment increase in XXXX. They payment in XXXX was more than enough to cover the principal due on the loan ; however, it would have been short the full amount of the late fees. I believe this to be a violation of law. On XX/XX/XXXX, I authorized BB & T to draft a payment of {$5800.00} from my account, which included the {$61.00}. I was told it would post overnight and that I would not be reported to the credit bureaus. On XX/XX/XXXX, I called BB & T again ( XXXX ) and was told that only the XXXX principal had been applied ( {$1800.00} ) and the rest was sitting in a suspense account. I asked why it hadn't been applied to XXXX and XXXX and was told it needed to be specifically requested. I requested it be moved and asked about credit reporting. I was again told it would not be an issue. I feel this is another violation of law in that the payments were not immediately applied which resulted in another derogatory entry on my credit report. Due to the reporting done by BB & T , XXXX has now declined our loan. Please note, prior to this, we had been on time for the prior 24 months. I want it known that my complaint also concerns the misleading practices of XXXX. Ms. XXXX should never have suggested we not pay our Mortgage and Mr. XXXX should have been immediately upfront about the length of time it would take to close the loan. Both parties should have continued to stress the need to keep the loan current throughout the process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55379
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I received an email claiming I was late on a payment. I went ahead and paid the past due amount plus what was due the next month. Then I find out a day later that they dropped my credit score 180 points AFTER I made the past due payment. The company acknowledges that my account is in good standing but says that I have to dispute on here to get my credit score back up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 501XX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-11
Issue: Trouble during payment process
Subissue:
Consumer Complaint: SunTrust Mortgage issued an escrow refund check with the incorrect bank account information. The refund check bounced at my bank due to the error. I have contacted SunTrust three times to have the bank charge reprocessed and was informed the issue is being addressed by leadership with no estimated time this issue will be resolved. I requested follow up with leadership and was informed they could not be contacted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 86314
Submitted Via: Web
Date Sent: 2021-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX we sent notice to alleged lender, SunTrust Bank, requesting validation on this XXXX. Thirty days commenced with no response. Therefore, we contacted all three credit bureaus to inform them that the alleged loan is in dispute. The credit bureaus contacted SunTrust Bank as a result, and it was only then that we received a response from SunTrust Bank, stating they " didn't know '' what account we were disputing. On XX/XX/XXXX we sent a Non-Negotiable Notice and Demand for Full Disclosure and Validation on this alleged loan, with a 15 day deadline before further action is taken. We did not get a response to this letter either. SunTrust Bank is in violation of the Truth in Lending Act pursuant to 15 USC 1601-1667j ( full disclosure ). And U.S. Code SubChapter VDebt Collection Practices 15 U.S. Code 1692g - Validation of Debts, as well as The North Carolina Consumer Protection Act of 1977 ( NC General Statutes, Chapter 75 ). If this alleged debt is not validated by the alleged Lender, SunTrust Bank, as required by the Fair Debt Collections Practices Act, alleged Lender has legal responsibility to terminate the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28403
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: This happened last year. I dont know the exact dates but a guy claiming he was in the XXXX in XXXX contacted me and over a span of six months ask me tons of questions and I didnt know he was accessing my login information at the bank. One day I noticed some weird activity on my account so I changed my password. Then deposits were coming in without my knowledge. I had just got paid so I tried to take the money out of my account and it was closed. I called the bank and talk to the fraudulent department. The lady their said someone accessing my bank from XXXX and logins from that were being made into my account. I was very upset when I called and they did an investigation and they gave me my paycheck that they held on too after a few days. They told me the account was closed I would have to open a new one so I did not think of it everything was settled. Then the other day randomly months later they call me ( not giving me any information nor asking my information with identity ) and say we have closed your account today which not like its much money but its what me and my XXXX kids live on until my next paycheck like {$380.00}. They said I owe them {$4000.00} and they said because I gave my boyfriend the information. I said the guy was acting like my boyfriend for 6 months via XXXX. I never met him or knew him. I lost tons of my own money because he asked if I could get his son a gaming gift card for his birthday and a few for him over months. When the bank closed my account I deleted all my social media accounts because I felt targeted and never wanted to be subjected to that again. I just think its not fair they are going after me who lives paycheck to paycheck instead of the real person who does the crime. If you can see someone is logging in my account from XXXX then that should be a flag that obviously it wasnt me. The bank has closed everything and I have asked them to show me what I exactly owe in writing which I have not received anything. I thought it was a hoax at first until I tried to go grocery shopping and my card was declined. They were talking about XXXX transactions and I have never even used XXXX before. They are not listening to anything I said. They just said I need to go into the bank and make arrangements on how Im going to pay them back {$4000.00}. I hung up after they refused to give me the information I requested or they kept on saying I will need to pay them back. Where are the protections against me! I feel if the bank can take my money with a phone call saying they closed my account how am I supposed to trust the bank with any of my money. If you see activity on my account and I said I do not know the person and said he was acting like a boyfriend because I described the situation. When I thought this was resolved months ago the lady at the bank says it happens all the time more than you would think it does. I asked her if I would have to pay the money back months ago and she said we have protections in place and she was like just open a new bank account we dont want to lose you as a customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37931
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2020 I the consumer and original creditor entered a consumer credit transaction in which I was the creditor and the seller with Suntrust Bank. Because there was a finance charge involved pursuant to 15 USC 1605a ( 5 ) Insurance should be included in the finance charge. It also states pursuant 15 USC 1605b ( 2 ) they were permitted by law to provide me with a written disclosure of the cost options for insurance, so that I may give written affirmation of my desire to have it included in my finance charge. I was never given this information. They also never gave any material disclosure disclosing I have a right to rescission, Pursuant to 15 USC 1635 of any consumer credit transaction involving a security interest. Again, I entered a consumer credit transaction with Suntrust Bank on XX/XX/2020. I never asked or gave Suntrust Bank permission to send me a bill/statement. In this bill/statement were FDPCA violations, 15 USC 1692b, 15 USC 1692e ( 10 ), 15 USC 1692e ( 11 ), and 15 USC 1692e ( 2 ) a. On XX/XX/2020, Suntrust Bank sent me a statement/bill of an alleged debt., with information about auto-loan information stating that I received a loan. I never received a loan from Suntrust Bank, I only entered a consumer credit transaction with my credit card, meaning my credit card was used to originate this consumer credit transaction. Making me in fact the original creditor pursuant to 15 USC 1602g. Pursuant to 15 USC 1602i the term " credit card '' means any card, plate, coupon book, or other devices existing for the purpose of obtaining money, property, labor, or services on credit. I used my " credit card '' to obtain this property ( automobile ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30214
Submitted Via: Web
Date Sent: 2021-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-09
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage is serviced by SunTrust, now Truist. The loan number is XXXX, and the property address is XXXX XXXX XXXX XXXX, XXXX, MT XXXX. SunTrust has deceptively and unfairly placed hazard insurance on the above property, taking {$1700.00} unlawfully from my escrow account ( and possibly more if SunTrust charged any fees in so doing ). As I have repeatedly stated to SunTrust and as SunTrusts own employees or agents have admitted repeatedly SunTrust has had proof from the beginning that the XXXX XXXX XXXX property was continually insured and that SunTrust had made a mistake by putting a letter regarding the cancelation for a completely different property in the file for XXXX XXXX XXXX. I have spoken to SunTrust/Truist representatives three times, and each time they admitted that SunTrust had the proof that the property was insured for the entire time, that SunTrust had made a mistake in sending me letters stating that it did not have proof, and that SunTrust would NOT place hazard insurance on the property at XXXX XXXX XXXX. Despite all of this, on XX/XX/XXXX, I received a letter from SunTrust ( dated XX/XX/XXXX ) that it had charged my escrow account {$1700.00} for hazard insurance. The property has been continually insured through XXXX XXXX, policy number XXXX XXXX XXXX. There has never been a break in this insurance coverage, and the coverage remains in effect today. Indeed, the escrow statement from SunTrust shows that SunTrust withdrew the amount for payment of the annual hazard insurance premium for the XXXX XXXX XXXX property in XX/XX/XXXX in the amount of {$1700.00}. On or about XX/XX/XXXX, I sold a second property. That property also was serviced by SunTrust, now Truist, and that property also was insured by XXXX XXXX XXXX under a different policy. I received a letter dated XX/XX/XXXX, from SunTrust indicating that it did not have proof of my insurance coverage for the house at XXXX XXXX XXXX as of XX/XX/XXXX. I immediately called the XXXX Customer Service Center. The person I spoke with admitted that SunTrust had made an error sending me the letter and that SunTrust had erroneously put a letter for another property in the file for the XXXX XXXX XXXX property. On XX/XX/XXXX, I received another letter from SunTrust falsely claiming that it did not have proof of insurance coverage. I called again and spoke with XXXX. She again admitted that SunTrust had erroneously put a letter in the file for the XXXX XXXX XXXX property indicating that coverage had ended. She stated that SunTrust had proof that the property was covered continuously and that hazard insurance would not be placed on the property. She also stated that this letter had been generated before the conversation I had with the previous SunTrust/Truist representative. She also stated that I would receive a letter indicating that SunTrust had the required proof and that insurance would not be placed. I never received any such letter. Instead, I received a letter from SunTrust dated XX/XX/XXXX, again stating that SunTrust did not have proof of coverage. On XX/XX/XXXX, I again called the XXXX Customer Service Center and spoke with XXXX. She stated that the letter was sent as a result of a bulk error and that all information in the file for XXXX XXXX XXXX showed that the property had the proper insurance coverage. Nonetheless, on XX/XX/XXXX, I received the letter described above stating that my escrow account had been charged despite the three prior assurances from SunTrust representatives that they had the proper information on file. I want the money unlawfully taken from my escrow account including interest immediately returned to my escrow account. I want any fees or charges to my accounts related to this error by SunTrust removed or credited from my accounts. and crediting any fees charged due to SunTrusts failures in this matter. I also want a written statement from SunTrust admitting its error, clarifying that it has in fact had proof of coverage for the entire period in question, stating that it has no right or need to place hazard insurance on this property for the period in question, and stating whether any adverse credit information has been reported related to this matter. If SunTrust/Truist or any of its representatives or agents have made any adverse reports related to this account, I want them corrected immediately and I want proof in writing that they have been corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59801
Submitted Via: Web
Date Sent: 2021-01-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A