Date Received: 2020-10-12
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I withdrew the funds from my checking account because I was disappointed in the interest I was getting from the Bank. I then informed them that my account should be closed immediately. They said that because my balance was {$.00} they could not close my account. This balance is not visible to me, they suggested I go in to claim my XXXX cents, but due to my son battling XXXX I'm unable to get into a branch. Why can't they close my account because they claim I have a balance my online account doesn't even show? This is ridiculous and clearly, so they can charge me fees at the time of the monthly billing because my account will be below the required balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23452
Submitted Via: Web
Date Sent: 2020-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I am the victim of identity theft. My wife passed away almost 3 years ago. I went to Suntrust to open a checking and savings account back in early XX/XX/2020. Some of the features that were supposed to be on my account were not. So I contacted the woman that helped me open the account, XXXX XXXX, to help resolve the two issues, overdraft opt-in and bill pay. Ms. XXXX attempted to help solve these two items but when the claimed fixed never worked, she advised me to contact the tech area of Suntrust. I worked with that department for over a week and the last fix was to delete my online profile and create a brand new one. That ended up working. I made a couple of deposits into my account and used the card for purchases with no issues. On XX/XX/2020, XXXX made a fraudulent withdrawal from my account of over {$90.00} and it put my account into a negative situation. When I became aware of this fraud transaction by an email from XXXX, I immediately contacted XXXX and told them they committed fraud. XXXX said they would refund the money right away, and it would be replaced onto my account in 3 to 5 business days. I then called XXXX XXXX and made her aware of the situation. She told me not to worry, and as long as I got the account back into a positive, all would be ok. I was still able to log into my online account and through the mobile app and see the negative balance. I sent Ms. XXXX a copy of the email from XXXX showing me they would return my monies in 3 to 5 days. The next day, XX/XX/2020, my account was blocked. I attempted to reach XXXX XXXX, left her a message, and then called Suntrust customer service, and asked them why the block on my account. Suntrust explained it was the branch that had placed the block, so I called the branch and spoke with XXXX XXXX. She told me the block came from the back office area, and to call customer service, and she transferred me there. I spoke with customer service and complained that I was being punished by losing access to my account from being a victim of fraud and ID theft. They told me nothing they could do to resolve the issue, and started a claim to get my account released. I explained how proactive I was in getting the release of my monies wrongly and fraudulently taken by XXXX back into my account. Plus I had been in constant contact for the day my account was in a negative, I got XXXX to release the money in one business day not 3 or 5. I did everything in my power to get those monies back into my account. Plus stay in contact with the branch. Nothing more could have been done by myself, in getting my money returned into my account quickly and keeping the branch informed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29707
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX XXXX I went to XXXX XXXX and tried to purchase something but was declined at the register tried again got declined again but upon checking my account after the second decline the amount of {$23.00} that I was just declined for was taken out my account and then 5 minutes later some reload something took out {$10.00} and the bank acts like theres nothing they can do I had to file it as unauthorized charge and been waiting forever with no questions answered why didnt my card work and why did the money still come out
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23111
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Other transaction problem
Subissue:
Consumer Complaint: I requested for the previous bank named Suntrust Bank now called Truist to transfer {$250.00} plus an accepted {$3.00} fee five times on five different dates to my checking account at the XXXX XXXX XXXX XXXX ( XXXX ) in XX/XX/2020. {$250.00} was to be received at XXXX beginning the XXXX of XXXX except not one dime has been received in my XXXX checking account. I filed an electronically file a complaint to the bank using a way to file a dispute. On Friday I received an electronic document asking me a XXXX to complete some more information about the amounts while the document was not complete to ask about my complaint. The instructions are requesting that I sign the completed document then " fax '' it to a number. I have informed the manager that I am so XXXX that I struggle to place a stamp on a letter for a business purpose. I have electronically communicated through their secure services messages but I am and have not received any responses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38117
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In XXXX of 2020, two car loan companies ( BB & T/Truist and XXXX XXXX XXXX ) Stated they would provide 3 payments of relief due to the COVID-19 National Emergency and Business Shutdown. They denied such relief unreasonably and after multiple attempts to explain the situation and offer attempts to remedy the error they have failed to provide such aid and instead of providing relief reported to the credit bureau 's that I was past due. I have never been past due and my credit report reflected a 100 % on time payment rate prior to their failures. Following their failure to provide the relief they stated they would provide, I paid the accounts weekly and provided a payment agreement that stated " By accepting payment you agree to these terms. '' Terms that stated they would remove ALL negative credit reporting information among other things. That agreement, which I consider them bound to, is attached. I have diligently paid weekly and they have refused to uphold their end of the agreement. At this time the account for XXXX XXXX XXXX has been nearly paid in full. And they have been paid weekly as agreed. They have accepted the agreements terms as they have accepted all checks sent to them. There is a small balance owed which can be settled by XX/XX/XXXX should the company agree to delete their account from my credit report. I am attaching the letter I will send to them regarding such. I have been attempting to dispute their false reporting to the bureau 's as well. XXXX XXXX has been asked multiple times for Debt Validation. They have refused multiple times. I have sent them a final debt validation request that is now due XX/XX/2020. But I do not see them providing such information. Specifically, they refuse to explain in writing why they didn't provide the Covid-19 relief to me and why they continue to report my credit past due despite our agreement. At this time, BB & T/Truist has been paid weekly. They have accepted the agreements terms as they have accepted all checks sent to them. They are falsely applying these checks only to interest. I have attempted multiple times to gain Debt Validation and dispute the debt with the Credit Bureau 's. They refuse to modify their reporting in any way but still cash my checks even though our agreement states " Automatic agreement with these terms will commence upon receiving ANY payment from { ommitted } in regards to remedying this account. By accepting payment you agree to these terms. '' I have paid these accounts through extreme financial hardship and my credit is being ruined for no other reason than these companies failed to provide COVID-19 relief after stating they would provide such relief. I am seeking government intervention and/or enforcement of the Fair Debt Collections Practices act which both the bureau 's and both loan companies are violating.
Company Response:
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2020-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I hired a XXXX ( known to me for about 15 years ) to remodel my bathroom. After halfway through, the XXXX asked for a payment of {$3000.00}. I wrote check # XXXX, to an employee of the company, for {$3000.00}. The employee deposited the check, through the ATM at SunTrust Bank. Unbeknownst to me, I had written another check, with the same check number, back in XXXX, 2020 ( I have 2 identical sets of checks, that are at least 15 years old. One with my address correct and XXXX incorrect ). Someone from the Fraud dept. at my financial institution called me and asked me if I had written the check. I told them yes, and they put the check through. In the meantime, my contractor told me that SunTrust had closed the account, and said SunTrust did not accept the check. I then paid the contractor {$3000.00} thinking the check would be sent back to my institution. The {$3000.00} check cleared my account on XX/XX/2020. After many phone calls to SunTrust bank, with the employee, part of the conversation, SunTrust said they did not have the money, that it was probably in limbo. I finally made an appt to talk with SunTrust bank, in person, along with the contractor, and the employee I wrote the check to. The contractor, the employee, and myself, had a personal meeting with SunTrust on XX/XX/2020, at XXXX. We all spoke with an employee. Then SunTrust asked me to sit in the lobby while they talked to the contractor and the employee. I was then called to the Manager 's office. He said I wrote a fraudulent check. I told him I did not, that my financial institution accepted the check and put it through for payment to the original personal I had written the check to. The manager also said, if he believed I wrote a fraudulent check, I would not be here sitting with him. He said the money would be available to the person the check was written, in about 2 weeks. It's now XX/XX/2020, and my contractor still does not have his {$3000.00}. I called my financial institution today, and they obtained documentation that SunTrust has the {$3000.00}. I do have an appt on XX/XX/2020, at XXXX, at the XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX, that includes the contractor, the employee, and myself. I am hoping that this will be involved, but it seems like no matter what I do, SunTrust is going to keep my contractor 's money, that is rightfully owed. My financial institution gave me the routing number showing the money accepted by SunTrust. Can you help either by getting the {$3000.00} back to me, so that I can pay my contractor, or give the contractor the {$3000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30127
Submitted Via: Web
Date Sent: 2020-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: BB & T mortgage lender was to withdraw or receive the monthly payments automatically from my bank account and on the month of XXXX BB & T was unable or unwilling to withdraw the amount to cover the monthly payment, never contacted me to inform of what was happening and reported to the major credit agencies the mortgage was late 30 days, where they received the total payment for the month of XX/XX/XXXX before the 30 days were late. I have tried to speak with the lender including sent letters to BB & T and report the inaccuracy to the credit agencies to remove the late payment, BB & T just reports that they are reporting the late payment as accurate without any other explanation. BB & T as a company should be treating its customers with more respect especially the ones that have been with them since XXXX without any late payments or any problems. Will never use them again and will make sure all my customers and clients know how they treat theirs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06111
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filed a dispute in regards to the incorrect items on my credit report. I have yet to receive an update in regard to the results from the investigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39759
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Struggling to pay your loan
Subissue: Lender trying to repossess or disable the vehicle
Consumer Complaint: In XX/XX/XXXX, I bought a XXXX XXXX XXXX truck from XXXX XXXX valued at about {$97000.00}. I deposited the sum of {$67000.00} cash towards down payment and financed the balance of about {$30000.00} through the BB & T bank. The car note was {$640.00} monthly. I regularly paid my car note until XX/XX/XXXX when I had an auto accident wherein I suffered a sprained back injury. As a result of the accident I was unable to work and delayed in making my car note payments. However, I was able to make my payments and keep my account current until XX/XX/XXXX when the covid-19 pandemic caused a shutdown of businesses. I lost my job due to cover-19 pandemic and was unable to pay my car note. In XX/XX/XXXX, I made a {$2000.00} payment which was returned due to insufficiency of funds. I informed BB & T about my job loss, but they were not cooperative with me and refused to give me a break. Hence, in XX/XX/XXXX, they repossessed my car and removed it from my apartment. Later in XX/XX/XXXX, I contacted BB & T through my attorney to pay my arrears of about {$6000.00} to bring my account current, however, BB & T refused to accept my money insisting that I must repay the entire balance of the car note ( about {$32000.00} ) prior to release of my car. BB & T gave me till XX/XX/XXXX to make the full payment of about {$32000.00} else the car will be sold after XX/XX/XXXX.
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: We have our mortgage and HELOC valued at {$100000.00} with BB & T, of which about {$16000.00} is owed. We recently arranged a bill payment from another bank ( XXXX XXXX using the HELOC account number printed on our statement. However, the payment was not credited to the loan value, and was reported to the three credit agencies as 30-days past due. We have requested that XXXX remove these entries. To do so, they instructed that we file disputes with the credit agencies - which we did. However, XXXX affirmed the 30-day past due status. They take no responsibility for providing the account number on the statement, which we used but the payment was not properly credited. Consequently, our credit record incorrectly reflects this error. We have requested that this entry be completely removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A