Date Received: 2020-09-23
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: This request is with XXXX XXXX of whom I have received a " charge off '' code on my credit report. Please note, I am fully aware of my responsibilities of this debt and in no way shape or form am I attempting to suggest a settlement to clear the debt. It was not until the months of XXXX thru XXXX of 2020 my payments took on stand still given the financial hit that occurred outside of my control. Since before those months I have never missed a payment or had any reason to. During those months I was contacted by XXXX representatives whom I would ensure them that I am seeking possible debt consolidation and/or other means of payment given the current crisis and they implied " ok '' we will note your account. At no time was I aware that my account was going in negative status leading to a harsh score on my credit report. I was under the impression that the payments were either deferred and/or put on hold just as other debt collectors were doing at that time. In the middle of a new house purchase I was caught off guard and now even worse possible without a place to live. Since finding out I have paid the full amount to bring my account in current standings and am requesting the " charge off '' code be removed to continue payments in good standing. Although this has been investigated via the bank and noted as not being a bank error I am asking for understanding in this matter as I was not fully aware of what was taken place. My credit score was XXXX and dropped immensley to XXXX given this code. I ask for a fair chance at regaining my current status as it is in this matter. Please take this complaint into consideration as I have not unknowingly committed such degree. I have worked hard for my credit as it depicts who I am as a person and have been a committed civilian of the XXXX XXXX XXXX for over 10 years. Thank you in advance for even taking the time out to read this digression. V/r XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX- I sent XXXX via XXXX through BBT to XXXX for purchase of a personal computer and I did not receive the item. I saw this item on XXXX. I contacted my bank and they said the money had been delivered to the party and there is nothing they can do to reverse the transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30265
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/2020, I contacted my loan company based on letter I received regarding forbearance or loan modification from covid related issues. I filled out the application and was contacted my the home preservation representative. She would tell me what was needed and I would send. The last time I heard from her was end of XXXX requesting documents which I sent. That was the last time I ever talked to her. My calls and emails were not returned, I was sent letters requesting documentation that I needed her to clarify. I sent her copies of correspondence and asked her to clarify but no response. After weekly calls and emails, I received a letter denying me a modification because I didnt provide subsequent documentation. I believe my loan is owned by the bank and rather than talk to me, they just ignored me and my requests. The client representative would not return my calls and emails and I believe they just let the clock run until they could deny me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 920XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I obtained a credit card with SunTrust Bank. I have had a relationship with this bank for over twenty years. I haven't used the card. I received a statement and noted on the statement that I would be charged an annual fee on the next statement. I don't pay fees on credit cards, so I reached out to the bank. I admit that I must have missed the annual fee in the initial disclosures. I requested that the card type be changed to type without an annual fee. I was told the only option is to close the card and apply for a new one. I explained that I am not asking for new credit or additional credit, only changing the type of the card. The representative said that is the only option. This seems like churning to me. There is no reason to close an account and open a new one, when I am only requesting a type of account without a few. I have changed bank account types to improve benefits without closing and opening accounts. I understand if I request additional credit, that there needs to be a hard inquiry on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32960
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I've been working on my credit for a couple of months now because I plan on using my certificate of eligibility from VA to purchase my first home. Once I received my initial credit reports that I requested, I noticed that Regional Acceptance ( previous lender ) had charged off the balance of my car loan. I've tried using the dispute process at no avail. My car was originally totaled out by XXXX XXXX XXXX bank back in XX/XX/XXXX. At the time my XXXX XXXX was determined a total loss I owed {$20000.00}. XXXX determined the value at the time of loss was {$10000.00}. This left a hefty balance of {$10000.00}, however I wasn't concerned because I had purchased GAP insurance at the time of my car purchase that covered a maximum of 150 % in case of total loss and I also purchased an extended warranty. XXXX paid their portion. I filed a claim with XX/XX/XXXX, XXXX XX/XX/XXXX for my GAP claim and also reached out to XXXX XXXX ( where I purchased the car ) to file a claim for the refund of my extended warranty. After a couple of weeks, Classic ( GAP ) had sent documents on how much they were sending a check out for ( {$7300.00} ) leaving still a remaining balance of {$2700.00} however, this included an " in house estimate '' for my extended warranty. Upon reaching out to XX/XX/XXXX customer service I was informed that once Regional Acceptance received the actual amount from the extended warranty if their estimate was incorrect, contact them back and they would pay the difference. In the end, the initial " in house estimate '' was incorrect. I reached back out to XXXX and they ask that I request a copy of the check sent from the extended warranty or payment leger proving how much was actually paid so they could adjust the payment and send out a check for the balance. I reached out to Regional Acceptance on several occasions to get this documentation so my balance could be cleared. The last person I spoke with was XXXX XXXX a loan administrator for Regional Acceptance who initial contacted me about setting up a payment plan for the balance. I informed her of the issue I was having surrounding the balance. I was told that she would submit a request for the information I was requesting and I never heard anything back. I reached out again recently and left a message explaining the urgency and I still have yet to hear back from the company. It is unfair that I now have a malicious charge off on my credit report that I did not deserve. This is negatively affecting my purchasing power for my first home. I did everything I could do to insure this company got their money and they dropped the ball. I should not be punished because they did not do their job. A simple copy of the warranty check would have resolved the issue in its entirety. Your assistance in this matter is greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: I've been trying to get a personal loan to fix my XXXX ramp. On XX/XX/2020 I received a message from XXXX XXXX and Sun Trust Bank saying the loan was approved. I contacted XXXX XXXX and he told me in order for them to fund my loan I would need to purchase PPI. My credit score is nearly nonexistent because I don't have a credit history. I've never had credit cards or revolving loans or such things. I transferred the {$75.00} fee to XXXX XXXX as instructed by him. When I asked when the money would be deposited into my checking account he informed me I would need insurance to pay the loan in case something happened to me and I didn't pay the loan. He sent me a message saying it wouldn't require any more money from me. When I got home I got in touch with XXXX XXXX and was told I would need another {$120.00}.. I objected asking about the {$75.00} he now called it a processing fee. I asked him to return the {$75.00} to me and to date I have had nothing processed nor do I have the loan money. I realize I was foolish but I learned a valuable lesson. I would like my {$75.00} refunded from Sun Trust Bank and / or its representative XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 759XX
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020 I have sent a certified letter to XXXX XXXX Suntrust Bank disputing an auto loan that does not belong to me. The auto loan is a business loan that belongs to my father, who has the same name as me as well as lives at the same address as me. Even so my date of birth & ssn is obviously different. I have submitted a copy of my birth certificate & drivers license as proof of identity as well as a copy of my recent bank statement. I have patiently waited more than XXXX with no resolution, from Suntrust Bank. The account shows positive payments as my father pays on time. The issue is preventing me from purchasing a home due to the added debt-to-income, that is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33615
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: i have a mortgage on my primary residence via suntrust mortgage, mortgage number XXXX. i have a hazard insurance policy via XXXX XXXX XXXX, policy number XXXX, with the servicing agent being : XXXX XXXX Licensed Sales Producer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX in XXXX, through no fault of my own, my local agent was 7 days late in renewing the hazard policy. it was re-instated within 1 week, and documentation provided to Suntrust. i continued to pay the XXXX XXXX XXXX and in fact the policy is up to date and paid in full, in advance, for the year XXXX and has been paid in full since XX/XX/XXXX. despite that, suntrust has mandated a 'forced-place '' insurance onto my escrow account, and are insisting that i pay an additional XXXX dollars per month into escrow. i have contacted suntrust multiple times, provided documentation of the up to date and fully paid hazard policy, however suntrust refuses to lift their forced place hazard insurance. i have several concerns : 1 ) first of all, i have already paid hazard insurance for XXXX, so where is the extra XXXX dollars per month that i have been paying since XX/XX/XXXX going? 2 ) my hazard policy only costs XXXX per year, so why i am i being charged an additional XXXX per year by suntrust? where is all the extra money going?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-22
Issue: Fraud or scam
Subissue:
Consumer Complaint: I booked a vacation home through people named XXXX XXXX and XXXX XXXX on XX/XX/2020 for {$1700.00} and it ended up being a total scam. I had numerous email conversions with this person and i even looked up the property and it does belong to XXXX XXXX. After I did not get a response back a few days before our vacation was supposed to start, I started researching and found XXXX XXXX on XXXX. She had told me that i was involved in a scam. I did a money transfer through XXXX through XXXX XXXX and this payment was sent to XXXX XXXX at Suntrust bank. I opened up an investigation with them and they said there was nothing they could do. I also have a police report open under incident number XXXX with the XXXX Police Department. There is also a police report open with the XXXX county police under XXXX from a guy named XXXX who we found out also got scammed by the same person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 549XX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I appreciate your help with the spirit of the Cares Act. This issue I have with a mortgage loan with BB & T Bank and applied and received a forbearance for their home mortgage. In the Cares Act it states that when borrower request to end forbearance and begin making the mortgage payments that the lender / service provider : By extending the term of the loan for some amount of time to pay back the missed payments. For example, if provided a six-month period where you dont make a mortgage payment, your mortgage servicer could add six months of payments on to the date when the loan is scheduled to be paid off ( the maturity date ). This would be one form of a loan modification. BB & T on XX/XX/2020 sent letters that they will be able to provide this type of loan modification. Now at this time after talking with BB & T today they are not making this loan modification but they asking for lump sum payment and no loan modification as mentioned before. I was informed this is a recent policy change that affects all home mortgages in forbearance. I have ask to speak to a manager to clarify this and to receive documentation to this effect and still waiting for a reply. BB & T is a local institution and I am requesting someone to reach out to them from your office to discuss this policy change that goes against the spirit of the Cares Act and puts undue burden on anyone in mortgage forbearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28602
Submitted Via: Web
Date Sent: 2020-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A