Date Received: 2020-12-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX gives this advice as steps everyone can take to help improve their credit score. Bring any past due accounts current. Pay off any collections, charge-offs, or public record items such as tax liens and judgments. Reduce balances on revolving accounts. Apply for credit only when necessary. I followed this advice when I paid the entire account. Sheffield Financial Corp who wrongly charged me with two late payments XX/XX/2015 & XX/XX/2015. You will notice from the attached documents that this is an inaccuracy Sheffield Financial Corp has to fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33407
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 Regional Acceptance added a derogatory mark on my credit report per XXXX XXXX, XXXX & XXXX. Upon, further research this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection also there was no written form of communication, contract or written signature for this accused debt. A bill without a written signature does not validate the debt and anybody can send a bill and say that it belongs to me. According to the FCRA Regional Acceptance Recovery has violated my rights as a consumer and I am requesting legal action to remove this account immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29732
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I just recently filed a dispute with BB & T and they denied my claim saying that I wasnt able to get my money back to my card and I really couldnt understand why because none of the charges on my account were Authorized at all, All of the transaction was made online and my card was compromised I didnt open any accounts with the merchants or used my card at all, I am not sure the exact amount of my dispute and exactly how much I am suppose to get back but I do have the claim number for that specific dispute and it is : XXXX I do the that the amount is a bit over {$700.00}, Its not right that someone took my hard earned money and I am not able to get it back, they attempted to reopen the dispute but Im not sure what is going on, its just a lot of money I lost and need to get. Back
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is now my third complaint being made through CFPB. The two previous complaints did not answer my concern. I opened an account online. I was in Pennsylvania a few days after opening my account and deposited a check. I never received my debit card and when I contacted BB & T I was told it was issued and used. So the claim was submitted, I filed a police report and identity theft form through the FDIC, sent in all information to BB & T. The funds were returned back to me however BB & T closed my accounts. Which Im 100 % okay with beings this is the most horrendous company Ive ever dealt with. I received a letter dated XXXX XXXX,2020 stating all of my accounts were closed. In the two previous responses to my CFPB complaints I was told again and again that my accounts were closed to visit a local branch to obtain my funds. Ive requested a check be sent several times and each time Im told I would have to go to a branch to receive my money. When I spoke with BB & T on XXXXXXXX XXXX,2020 the representative rudely told me I have no choice but to go to a branch and that there was a branch 11 miles from me. So today XXXX XXXX2020 I was able to borrow a few dollars from a friend to make this 11 mile trip. However when I look up the directions, theres no branch 11 miles from me coming up on BB & T website for branch locations. The closest one is 40 minutes away. Again I contact the centralized fraud department at XXXX. Again, Im spoke to like a piece of XXXX criminal and told they werent the ones that told me it was 11 miles away and my only option is to go to a branch to retrieve my money from these closed accounts. So I contact the nearest branch in XXXX Pennsylvania at XXXX. She pulls up my account information and informs me that the two checking accounts that I received letters from bb & t informing me the accounts were closed and the 2 previous responses I received through CFPB complaints informing me that my accounts were closed, are actually not closed. They are blocked and it says unable to withdraw from these 2 accounts. Thank goodness I didnt travel there to be told this because I would be in jail right now. So BB & T has been lying in the letters sent and through the CFPB responses. Nor am I able to retrieve my money at a local branch like BB & T has told me several times I can. Ive done everything possible to get my money out of these accounts. BB & T refuses to give me my funds I deposited with them. Ill repeat again so I dont receive the same generic responses I got the past 2 times. I DO NOT CARE THAT THE ACCOUNTS ARE CLOSED. I DO NOT NEED TO BE TOLD THAT BB & T HAS THE RIGHT TO CLOSE ANY ACCOUNTS AT ANYTIME. I DO NOT WANT ANY OPEN ACCOUNTS WITH BB & T. I WANT A RESPONSE ADVISING ME THAT THE MONEY IN MY ACCOUNTS WILL BE SENT VIA CHECK THROUGH THE USPS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21921
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It's been over 30 days and I have not received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32703
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was trying to buy a house in XX/XX/2020, and a man by the name of XXXX XXXX that I met online claimed that he would be able to help me to buy the house. He told me that he would help me pay for the house if I sent the down payment to SunTrust bank and, I did. he instructed me to tell ; the banker at XXXX XXXX that the money was for me to buy a car but after I sent the money. He told me he did not want to work with XXXX anymore. I asked him to send me the money back, but he did not, and I called SunTrust Bank just to let them know that the man was scamming me. I needed them to send the money back to my XXXX XXXX, but the banker at Suntrust told me he would not be able to do that and ignored my request until this day. I sent {$12000.00} plus XXXX for the wire fee to SunTrust bank, and I never get it back. I would like SunTrust to send me my money back because I told them someone was trying to scam me. They needed to stop the person from taking the {$12000.00} out, but they did nothing about it. The transfer happened on XX/XX/2020. The name of the account the scammer gave me is XXXX XXXX XXXX. The account number is XXXX, and the ABA code is XXXX. The address is XXXX XXXX XXXX XXXX XXXX FL, XXXX. I am a single mom I work hard for my money so, I want it back ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80017
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2020 I spoke with XXXX at Suntrust Mortgage, and asked for a Covid 19 Care 's Act Forbearance. XXXX assured me that I had been accepted for the Care 's Act forbearance.. I have been barrowing money from my family to make my payments as a result of XXXX XXXX temporarily closing do to the pandemic. On XX/XX/XXXX Suntrust sent me a letter, informing me that I was automatically placed into a Suntrust Forbearance ; in which I had declined, because that would put me in foreclosure and bankrupt me. As a result I have contacted Suntrust Mortgage eight times in the last thirty three days, stating that I do not agree to, or except a Suntrust Forbearance, and that I am eligible for and want a Federal Care 's Act Forbearance. Their re sponce to me has been very mixed, and came down to todays contact with one XXXX XXXX, at XXXX XXXX. who informed me that they don't offer any other forbearance accept the Suntrust, in which they have automatically placed me, by way of which they have asked me to write a letter of hardship back in XX/XX/2020, then they disclosed their terms, and I declined, and managed to make my payments until now. Also, for this reason they refuse to take me off of their program, and put me on a Care 's Act Forbearance ... On XXXX XXXX I sent Suntrust a notorized copy of my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32119
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/XXXX XXXX, XXXX had money provided ( {$220.00} ) in my suntrust checkings account for a certain transaction that was due the next following day. I paid my bill to a creditor that was {$160.00} afterwards the next day but made an additional transaction prior ( that same day ) that was for a fast food place that I was covered for. Only 2 transactions. I was charged twice ( just afterwards Suntrust made my account go over ) for an overdraft fee for both in which I had funds still available. {$54.00} remains. Suntrust fails to remove both overdraft fees making it seems like I didnt have any money when i did. And Suntrust just charged another excessive overdraft fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30213
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On Saturday XX/XX/XXXX at XXXX I received a fraud-alert text message from my bank, BB & T . It asked if I had attempted a {$500.00} charge with my debit card at XXXX ( XXXX Services ) . I replied NO and immediately received another text with a phone number, which I called right away. The bank representative ( not the fraud department ) blocked my debit card. He explained that XXXX had tried my card with a {$0.00} charge, then made TWO {$500.00} withdrawals. On XX/XX/XXXX I filed two fraud claims in a single process at the XXXX XXXX ( XXXX ) website. I have yet to receive any acknowledgement from XXXX that they received my claim. On XXXX I selected the XXXX fraud claims page/site callback option. I have not gotten a call back. BB & T 's checking account phone rep told me on XX/XX/XXXX that the two charges were pending but there was nothing the bank could do to stop them from clearing. These charges, made XX/XX/XXXX, did not clear until XXXX. On Tuesday XXXX I filed claims at my local branch bank. On XXXX BB & T emailed to let me know a new debit card was on its way, listing the reason as " Your BB & T Debit Card was reported lost. '' It was not lost, it was blocked by the bank rep during our XX/XX/XXXX phone call. This kind of inaccuracy has me concerned. Also I called BB & T 's fraud department today, was on hold for 22 minutes and then the call just disconnected, as if a rep had flubbed connecting with her next on-hold caller ( me ). XXXX XXXX does not have my bank account info. I believe access to my account may have happened because I signed up for a 14-day trial subscription ( {$39.00} after the trial ) with XXXX on XX/XX/XXXX. I made the mistake of clicking the " Pay with XXXXXXXX XXXX '' option, even though I have never used XXXX nor given them my account info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 288XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XX/XX/2020, I reported to XXXX XXXX my dispute of inaccurate payment history information with XXXX. Also, I contacted and wrote, and mailed XXXX supporting documentation of my said claims ) to my mortgage company Branch Banking and Trust. BB & T credit reporting department representative reassured me that they reported my on time payments. On XXXX XXXX BB & T credit reporting department wrote me a letter stating they received correspondence of my dispute. On XX/XX/2020 I received a letter from BB & T Mortgage Credit Reporting Department stating that they investigated my dispute and determined the information is correct. A day later XX/XX/2020 my credit score decreased for a second time and it did not show any payment information for the months of XXXX and XX/XX/2020. On XX/XX/2020 I received by mail a letter from BB & T credit reporting that they received correspondence and that no error has occurred. Again, I spoke to BB & T on XXXX XXXX and spoke directly with two Supervisors and wrote a second dispute with my concerns of my inaccurate payment history. They both stated by phone everything was up to date. This time around my score decreased with XXXX instead of the above agency XXXX. I called on XX/XX/2020 XXXX Credit Bureau and the representative told me that BB & T last reported to them in XXXX of 2020 and that there were no payment history for the months of XXXX and XXXX. On XX/XX/2020 BB & T credit reporting department sent me by mail a letter stating that they received correspondence of my inquiry. Today, XX/XX/2020 my score decreased for a third time with XXXX. Moreover, I spoke to a XXXX Credit Bureau representative and they stated that they have never received any payment history from BB & T credit reporting department for the months of XXXX, XXXX, and XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33813
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A