Date Received: 2020-11-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 a hard inquiry was placed on my XX/XX/XXXX credit report. I called XX/XX/XXXX and placed a fraud alert. I called BB & T and spoke to a consumer rep who was unable to help me. They transferred me to another line. They were also not able to help. I did not make this inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 730XX
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-20
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: XX/XX/2020 there were funds available to take out {$100.00} when there were funds available and it shows pending and deducted out of the account then a day later our light hit the account which went in and made it negative which is fine but they charged to {$36.00} overdraft fee.This has happened numerous occasions when fund show deducted and pending.We use there courtesy pay but they charge {$36.00} for every pending sale transaction when after funds are deducted and we use courtesy pay sometime as high almost {$300.00} when overdraft fees.BB and T is the name of the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33406
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem with customer service
Subissue:
Consumer Complaint: Loss mitigation drafts from insurance company sent to Mortgage holder for countersign and return for {$7000.00}, {$720.00} for repairs to property, originally sent in XX/XX/2020, and have had no return or contact from Mortgage holder, additional information regarding work appraisals submitted as requested in XXXX/XX/XX/2020, and still no return of funds as requested, document relieving Mortgage holder of lien against property not returned as account from service provider has been sent to collections. They are responsible for lien/negative credit reporting initiated against complainant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85757
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Good afternoon .. back in 2016. I deposited XXXX with Suntrust Banking Still havent received a Bank debit card from Suntrust Banking.. Someone was able to activate my bank card and transferred XXXX, XXXX from my account : XXXX to Mr XXXX XXXX XXXX I wrote Suntrust Bank XXXX spoke on the phone with XXXX XXXX. Executive Services XXXX XXXX ( XXXX. XXXX XXXX XXXX XXXX XXXX me it was a joint account.. I have a receipt from Suntrust from 2016 from customer Services with my balance information Balance.. Legal Disclaimer individual account Thanks XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX XXXX XXXX XXXX XXXX ) cell
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a letter from Suntrust saying that I opened an account with them. The letter came with 3 checks and a deposit slip. I have never opened an account with them or have done any business with them so they are opening an account in my name without my permission. I called them and the first question I get asked by the automated answering service is if there is somebody in my house more than 50 years old. What type of bank answers the phone with this question? I hanged up and after reading other similar complaints ( 43 in 3 years ) on your website I don't want to call them again. They do not offer any explanations to anybody. I am hoping that you will investigate this company and do something about this so they don't keep doing the same thing to other people. I can't believe that after getting 43 complaints from them they are still doing the same thing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I do not think that complaint # XXXX should have been closed after the SunTrust response. I believe that SunTrust sent a Statement of Credit Denial to me in retaliation after I told them I was refinancing with another company. Listed below is the company 's response and my response. In my opinion this is a clear example of a big financial institution throwing their weight around trying to harm my credit. Company 's Response Please know that when loan applications are received, they are reviewed the same whether they are for existing clients or new clients. In addition, there were not changes during the loan application review due to Covid 19. After the initial approval of your application, additional documentation was requested because it was confirmed that there was an undisclosed property and homeowners association dues on the subject property. With the addition of the association fees on the subject property, taxes and association fees on the undisclosed property, it was determined that the debt to income ratio was too high. We did not receive the additional documentation to verify your income and a Statement of Credit Denial, Termination or Change was issued on XX/XX/XXXX. We are required to send this notice to applicants if we are unable to proceed with the loan application. We are unable to reverse or change the Statement of Credit Denial, Termination or Change notice as it is accurate. For informational purposes for loan ending in XXXX, the loan was paid in full on XX/XX/XXXX. The current principal balance is {$0.00} and the current escrow balance is {$8600.00}, which will be mailed to you under separate cover within 20 days of the paid in full date. There are no funds in the unapplied suspense account at this time. The previous owner/investor of your loan was XXXX XXXX in its Capacity as Trustee XXXX. Their contact information is : XXXX XXXX XXXX XXXX, Washington, DC XXXX. ATTACHMENTS final response attachment.pdf ( 238.1 KB ) XXXX final response.pdf ( 109.5 KB ) Feedback provided STATUS Feedback provided on XX/XX/XXXX Your feedback THE COMPANYS RESPONSE ADDRESSED ALL OF MY ISSUES No ADDITIONAL COMMENTS Thanks for the response, I appreciate SunTrust getting back after the CFPB complaint was filed. It may have been preferable to hear back after multiple calls and e-mails when the " statement of credit denial '' was issued on XX/XX/XXXX. Regarding the response : 1. " In addition, there were not changes during the loan application review due to Covid 19 '' Listed below is an e-mail from your Mortgage Loan Processor stating the opposite. From : XXXX XXXX XXXX ; XXXX XXXX XXXX ; Sent : Tuesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; Subject : Truist Bank - Loan status Good Evening Mr. XXXX, Due to the COVID-19 there have been recent revisions made to lending guidelines. We need to most recent mortgage statement for XXXX XXXX XXXX, XXXX, OR XXXX. I sincerely apologize for the back and forth and thank you so much for your patience and understanding as we all try to adjust to the ever changing circumstances. Please let me know if you have any questions. Thank you, XXXX XXXX Mortgage Loan Processor Direct Operations SunTrust now Truist ( Direct number : XXXX ) Fax : XXXX *Mail Code : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX. " After the initial approval of your application, additional documentation was requested because it was confirmed that there was an undisclosed property and homeowners association dues on the subject property. With the addition of the association fees on the subject property, taxes and association fees on the undisclosed property, it was determined that the debt to income ratio was too high. '' The property is a lot in waterfront community that we have owned outright for 12+ years, it was never undisclosed. The HOA and tax add up to under {$2200.00} a year. Stating that the debt/income ratio would be impacted to that degree is hard to understand. 3. " We did not receive the additional documentation to verify your income and a Statement of Credit Denial, Termination or Change was issued on XX/XX/XXXX. We are required to send this notice to applicants if we are unable to proceed with the loan application. '' SunTrust did not receive additional documentation because I chose to refinance with another source. If I am understanding your requirements you have to issue me a Statement of Credit Denial permanently impacting my credit when I get fed up with your underwriting confusion and select another lending source. It is my belief that SunTrust was disappointed that I refinanced with another source and retaliated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: SunTrust Bank put a hold on XXXX from my checking account to pay back a debt I wasn't aware of. This occured of XX/XX/16. My account went negative. In addition to the hold, they've also debited the same amount, essentially leaving me XXXX in the hole. I have returned item fees adding up because of this. The hold isn't set to expire till tomorrow, I can't get any information out of these people. It's almost unsurvivable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been trying to resolve two issues with SunTrust Bank for over seven months. They are unresponsive to my inquiries, letters, e-mails, phone calls, faxes, and voicemails left. Promises of responses when they do follow up go unfulfilled. In response to a previous complaint that I filed with the CFPB, I received a message on the day that I filed it from XXXX XXXX of SunTrust Executive Services advising me that my case was assigned to a Case Manager, XXXX XXXX. Her message assured me that Mr. XXXX would be in touch with me within 15 days. I left a voicemail for Mr. XXXX who did not return my call. After 15 days elapsed with no contact from or response by Mr. XXXX, I called and left a message for Ms. XXXX. Ms. XXXX did not return my call. When leaving voicemails for both Mr. XXXX and Ms. XXXX, neither of their voicemail greetings advised that they were out of the office and/or unavailable. Anything you can do to compel SunTrust to respond to and formally address my issues would be appreciated since, it has become blatantly obvious, that SunTrust has little-to-no intention of responding to and resolving these these issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28412
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: i bought this car on XX/XX/XXXX I thought I have a fixed rate but it keeps rising and it doesn't show what the rate is on the statement if it has changed or not .on my XX/XX/XXXX statement my due date is XX/XX/XXXX 2 months later. so hold my principal until the due date charging me more interest. even when I make the payments early I'm 2 months early. but still, have XXXX dollars in extra interest fees with misleading and changing information for regional acceptance corporation. I made payments of XXXX on XXXX and XXXX XXXX but my payment credit date shows XX/XX/XXXX charging me XXXX in interest. does not show a breakdown of payments and is misleading at best
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91405
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: A loan was taken on a vehicle and I have paid well over 100 % in fees ( apr and additional cost ) vs the price of the vehicle. I am in the military and it seems there is no protection from this predatory loaner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96706
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A