Date Received: 2020-10-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2020 I filed a dispute as I noticed fraudulent charges to my checking account and a credit card in my name. After contacting XXXX XXXX, where the transactions were made, it was made clear that my card was stolen and used without permission. My credit card company took action immediately and the charges were reversed. My bank SunTrust did not take action, nor did they reverse the charges so I filed a XXXX complaint which is still ongoing as they refuse to do anything to rectify this matter. They only issued a new bank card to me following the initial dispute. Over 3 months later, they refuse to fix the situation even following a response from XXXX XXXX stating that if the charges were disputed by my bank, they refund the money per the decision made by SunTrust. The charges to be refunded total {$710.00} and this is completely unethical or legal what is going on at this point. This is money that I need for my bills and it was taken from me fraudulently and my bank who I have been with for a very long time should not be able to do this when XXXX has made it clear on multiple occasions now that they would refund the charges at SunTrusts request from my dispute.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Yes I have call the bank every since XXXX trying to resolve this issue but no will listening to what I am saying and it because of the large amount of money that was putting to my checking account. I have talked XXXX XXXX and he told that I will not get my money back the bank is waiting for someone else to claim the money. it all started when Mr. XXXX who owed me some money and he put the money into my XXXX account. I found out from Mr. XXXX XXXX who is the XXXX fraud department manger that money was stolen from someone else I don't know how it was done. But I call SunTrust and asked them to please returned the money back to XXXX the total amount was XXXX and it postal on the bank statement showing that it take out in two payment of {$2000.00} each. But Just because he XXXX asked for that money back SunTrust decide that all the money that was in my account was Fraud which no true. I send SunTrust my balance statement show the transaction. I received a wire into my account from XXXX XXXX XXXX in the amount of XXXX and XX/XX/XXXX plus XXXX income XXXX wire transfer on XX/XX/XXXX. My husband brought XXXX from XXXX XXXX we deposit it on XX/XX/XXXX in SunTrust Joint Account. I transfer XXXX to my saving account on the XX/XX/XXXX from the joint account. XXXX was take from the joint account out the XXXX to pay XXXX bill and On the XX/XX/XXXX XXXX XXXX. XXXX send me XXXX and with other money in the account it was a total of XXXX That SunTrust is holding and my Saving account has a total of the XXXX and some money is Church tithes Money and I don't know why they are still holding all my money I give them document prove that money is legal can you please help me. If you know on the bank statement that money that was come into the account was wire into the by individual in side the bank and if you look at the bank you will notice I did a electronic transfer from XXXX to my SunTrust. That is only things that needs to be returned.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 723XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: my name is XXXX my cell is XXXX my email is XXXX, i am a XXXX XXXX XXXX, on XX/XX/2020 i recieved an sba ppp loan for XXXX $ i have my business in my suntrust business account, suntrust recieved the wire from sba and cleared the funds, they then froze my bank account on XX/XX/XXXX with 0 warning or explanation? they lied too me numerous times saying they would release my funds? they havent, i hired an attorney, XXXX XXXX XXXX we have been dealing with the suntrust parasites for 67 days now, they have hurt me, my business, my employees and my family by holding up funds that were needed for my business that has been decimated due to pandemic, sba said they cant freeze my funds, and called suntrust ceo XXXX pure evil, my attorney and i have sent demand letters, made complaints with sba, irs, banking commission, federal reserve and attorney general and have gone too multiple media outlets including XXXX, and XXXX, they have my funds, they are making money off the interest and are destroying my business and my life, please help me immediately, my attorney and i have done everything possible, please help me, thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33462
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-18
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: I got an auto loan from SunTrust Bank in XX/XX/XXXX. At the end of XX/XX/XXXX, the vehicle was repossessed. After few days I was able to secure the amount needed to bring up my account current and all the fees mentioned in the contract like repossession fee. To my surprise, when I called to make the payment, the bank representative had added {$1800.00} for " Other fees '' that can't be explained by any terms of the contract provided by the bank when I purchased the vehicle. I have requested from the representative to email me a letter from the bank to that effect, which I do have. I refused to pay that fee and offered to pay only the fees mentioned in the contract, but the bank did not accept and demanded the " Other Fees '' to be paid to release the vehicle. After few months, the bank sent me a letter explaining the calculation of deficiency. I called the bank and explained to the representative that I was not able to retrieve the vehicle because of the " Other Fees '' added couple of days after the vehicle was towed. At that point, the representative tried to convince me that " Other Fees '' meant " additional amount to be paid toward the principle ''. When I disagreed, the representative made a comment about " English being my second language '' and that's why I might misinterpreted the " other fees '' mentioned in the letter received by the bank on XX/XX/XXXX. I believe the representatives are playing with words to mislead consumers specially when they hear an accent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33417
Submitted Via: Web
Date Sent: 2020-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have reached out to this company and had the run arounds several times. They have been reporting A derogatory account under my name that does not belong to me. I wrote A letter requested proof of this debt. If I purchased A car they would have A signed contract matching my signature and valid debt validation. I have not done business with this company and as of today this is the only account reporting derogatory which speaks to me not owing debt. This is not my account and I did not sign any sort of agreement for A loan with this company. They have refused to respond to any of the letters I have mailed over the last few months to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2020-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: On XX/XX/XXXX i noticed a XXXX ACH charge on my checking account I disputed the charge on line and called the Sun Trust customer service line. I inquired regarding the charge and was told it was a over annual over draft charge for a line of credit acct i had with Sun Trust. I have never paid a XXXX fee before and the account had a XXXX balance. I was told by the CSR that the charge would be credited to my account and at that time i told the CSR i dont use the account to close it. I thought the issue was resolved. On XX/XX/XXXX i was notified by XXXX XXXX that a change was being reported on my credit file. I called Suntrust and disputed the charge and reporting and i contacted all ( 3 ) credit reporting agencies. I called Suntrust XX/XX/XXXX and got no results and was told sorry for your luck. I visited the local branch and spoke to XXXX XXXX and she called several divisions trying to resolve the issue. I was contacted by Sun Trust today XX/XX/XXXX and was told that they will not make any changes because i disputed the charges that due to fair credit reporting guidelines that the account is being reported correctly. This has impacted my credit rating by 100 points and dropped my score from XXXX to XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
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: I was shocked when I reviewed my credit report and found a late payment for the following date : XX/XX/2019 I am not sure how this happened. I believed that I had made my payments to you when I received my statement. My only thought is that my monthly statement did not get to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20748
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-16
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX the XXXX of 2020 I notice a XXXX transaction and immediately called BB & T while I was on the phone 3 more transaction pops up on my : DEBIT, CREDIT and CREDIT LINE. Luckily the report was made and the bank suspend the account and recommend me to approach to the branch because all my information was compromised so then i can changed all my account with them. Unfortunately 2 days after all this happened another FRAUDULENT/ UNAUTHORIZED transaction was made with the same name and amount that was on SATURDAY XXXX the XXXX of 2020 ( XXXX ). I went straight to the branch that is located on : XXXX XXXX XXXX XXXX TX XXXX when I arrived there I spoke to the branch banker IV telling me that due covid19 situation I have to make an appoint until Monday so basically they could still take more money from my account because nobody cancel it that day ( they suppose to do it online, on the phone since the XXXX ). On Monday XXXX I went to my appointment at XXXX XXXX : 1. My bank account where the fraud was made at this point stills open because is under " investigation '' so this person took another {$1000.00} dollars from the account by XXXX. 2. The branch open 3 new accounts to replace my old ones and they gave me a physical paper regarding the claim. On XX/XX/XXXX of 2020 ( XXXX ) the bank send me a letter which i actually received on the mail on XXXX THE XXXX OF 2020 notifying me : The investigation was concluded regarding the electronic fund transfer claim date XXXX in the amount of {$1000.00} dollars they do not find that an error occurred, therefore, no funds will be deposited to your account as a result of your claim. Today XXXX I called the bank because I still not have the refund of the money that they took fraudulent from it, the lady that answered me the phone told me that I authorized the transaction or maybe I did it by mistake because of the IP address was right and there's nothing the bank cant do about it. The last money transfer from XXXX of my account with my consent was on XXXX and I received an e-mail confirming that I send that amount thing that didn't happen with the 3 different transactions that this person did to me. This investigation must be RE-OPEN again I demand it!. As the Bank that you are, you must to answer to me for the fraud caused to my account and the delinquency expenses that you also incur. You must prove the evidence that supports the claims decision base on facts not on " maybe you did a mistake '' that's what the lady on the phone told me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is an inquiry from this company on my credit report that I do not recognize and it is fraud. I contacted them via certified mail and they did not respond and were not able to remove the inquiry from my credit report. The fact that the inquiry is still on my report is a violation of the FCRA Laws and I will pursue a civil suit if necessary. I want this fraudulent information removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. Ivisited XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXXXXXX, I was approved for anew car. Upon looking at my credit report, all three dealerships ran my credit throughseveral credit approval companies. I have a total of 46 credit inquires across the three creditbureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hardinquire on my credit 22 times. I sent letters to each of the individual companies andreceived a letter stating I agreed to them running my credit by providing the merchant mydriver 's license. I did not agree or approve these companies to run my credit 46 timesthrough several different companies, including those I have never heard of. XXXX XXXXcould have used the first inquire as it remains available in the system for 30 days. I waspreapproved through XXXX XXXX and presented my preapproval to each of thedealerships. Unfortunately, all three of the dealerships ran my credit through severalagencies without my consent. I did not authorize these companies to run my credit or viewmy credit report. I have contacted these companies several times to request the removal ofthe inquire and even hired a law firm to help, but they will not budge. I also contacted thethree major credit bureaus and I did not receive a response. 46 inquires across 3 creditbureaus within 7 days are truly excessive and violates several consumer laws. I would like all46 inquires removed from my credit. I did not provide written or verbal consent for this tohappen and I am saddened and truly devastation I am not being heard. These companieshave caused unnecessary harm. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A