Date Received: 2020-10-02
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Suntrust ( now Truist ) is advertising " no origination fee '' refinancing. https : //www.suntrust.com/home-mortgages/current-rates There is indeed an origination fee ( relabeled as a " processing fee '', {$980.00} in my disclosures ). I was also unhappy that after I uploaded my taxes and bank statements as part of the application process, I was required to sign an agreement to allow Suntrust/Truist to share these sensitive documents with other companies for various reasons, including marketing. It is within 3 days and I wish to rescind this agreement and cancel my application. It seems there is no way to do this, as the sole contact person has no idea how this would be done. I have been unable to reach anyone at the company that can help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am trying to refinance my home in XXXX XXXX, FL. I am a customer of BB & T and have a Home Equity Line with the bank. In order to close on my refinance, I need a SUBORDINATION document from BB & T. The request was made on XX/XX/2020. A confirmation of the request was sent via email with an explanation that it could take 20 days due to the COVID Pandemic. It has now been more than 30 days. I believe 20 days was excessive, but 30 days is unreasonable. I have left several voicemail messages with : XXXX XXXX XXXX / XXXX / XXXX / the agent with my case. They have gone unanswered and I have simply been ignored. I am dependent on BB & T providing reasonable and timely service. They are not providing that and are ignoring their responsibility.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2019 hard inquiries were made without my authorization by XXXX, XXXX XXXX XXXX, and BB & T DEALER FINANCE. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 119XX
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: an auto lone from Regional Acceptance corp. The car was totaled in 2018 and paid off buy insurance. I have spoken with the finance company, they are saying I have had deferred payments on this account but when I ask for proof of the deferred payments or conversations about these payment they refuse to furnish to me proof of debt and I would there for like this removed from my credit of I would like the credit to provide valid proof of debt or remove from my credit. I have been asking them and the company that represents them to research and provide proof for a few years now and they refuse to provde the proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85040
Submitted Via: Web
Date Sent: 2020-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: A scam artist created a XXXX post that looked just like branch app and invited me to join the contest. I regularly do business with branch, and know of other companies that do same advertisements on XXXX. They told me to like, comment with a charity I would donate winnings to and follow page. They then contacted me via XXXX and said congratulations you won. The page was created to look exactly like branch. It even said branch app. They said they need to confirm my account and I did. The scammer then accessed my account and transferred XXXX out of my account into theres. The bank branch bank denied my fraud claim and said I was at fault not them for falling for scam and confirming my account., They refused to refund the money. A signature was needed to complete transfer, and branch could clearly see that wasnt my signature.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30117
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I was charged a {$36.00} overdraft fee when I was told I have overdraft protection. There were funds in my savings account to cover the transaction. I was told I did not have overdraft protection however I did sign up for overdraft protection. There have been other instances where I was not charged overdraft fees even when the funds were not available. The so called Manager could not explain why sometimes I am charges and sometimes I am not. In addition I was charged another {$36.00} in excessive withdrawal fees. I was told there is a limit on the number of withdrawals you can make. I never heard of or was aware of this policy. How can you charge me for basically withdrawing my own money? I basically gave the bank {$72.00} for nothing. It is hard times during COVID and I would like my {$72.00} credited back to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20746
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I previously submitted a complaint with cfbd about regional acceptance reporting wrong information which is considered fraud. I received a response from regional acceptance with documents that support my complaint. I sent a debt validation letter to this company I received a balance statement. No where in the statement is the amount thats being reported. I asked for my debt to be VALIDATED not VERIFIED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2020 I wired {$4000.00} to my business account at Sun Trust Bank in XXXX, Florida from my personal account at XXXX. My account was then frozen and Sun Trust did not relinquish my money. This money was wired in order to cover a rent check for my business. The check did not clear because Sun Trust held onto my {$4000.00}. I have since closed this account, but was not returned my {$4000.00} that i had wired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-29
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: My account was hacked (? ) ON XX/XX/XXXX and I called and reported it. They froze my checking and savings accounts for 10 business days to investigate. I also reported this to XXXX Florida police department and was given a case # by Officer XXXX and she came out and spoke with me and looked at my account with me. I then went in to Sun Trust branch on XXXX and was never treated so rude and disrespected. I ask to speak with the manager and was told no. The payment they paid was not authorized by me and it has magically disappeared. I don't know if this is an inside job by someone embellishing money or if there really was a hacker. They have charged me so many fees, some of which reads no explanation given for XXXX dollars. They also returned a check and charged me that wasn't suppose to be paid until XX/XX/XXXX. I am a XXXX year old woman try to live on Social Security and have been given the run around for weeks now. I had XXXX cents to live on and had to take help from my daughter and friends. I need this resolved.
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: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: remove inquiry off of credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A