Date Received: 2020-09-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In XX/XX/2020 this company reported my account as 30 days late. I pay all payments through their app and didnt receive a payment alert nor a phone call indicating it was late. I want this payment to be reported as current. This company also reduced my credit limit by 50 %. I want my {$5000.00} limit restored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: And XX/XX/2019 I deposited {$29000.00} into SunTrust bank account. SunTrust was not able to give me the lawful money from open account as requested. I was not giving full disclosure of, it came to my attention sun trust fractionalized money is in my account, I never consented to loans to customers are fractionalization of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received an alert on my credit filed for a hard inquiry at SunTrust Bank from the opening of a checking account. I contacted the bank and spoke to a live person, reported the fraud and was told that an investigation would be opened and I would be contacted the following day by someone in the fraud department. No one called on Monday XXXX so I called on Tuesday XXXX and was told that the information was no longer in their system, that the fraud was reported to the credit bureau, and that I should receive a letter in the mail. I received correspondence in the mail on XXXX but it was a debit card with information on the new checking account. I attempted to call but their offices were closed due to the holiday weekend. This response is completely unsatisfactory. I have never opened an account at SunTrust or any of their affiliates and I am upset that they have not taken this matter more seriously and attended to resolving it expeditiously. It is an indication of how personal information is carelessly handled within their institution. My name is misspelled on the account/card, anyway.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35244
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Appeal Suntrust bank XXXX Virginia Attn XXXX va XXXX XXXX Attention suntrust bank XXXX XXXX This cfpb complaint # XXXX is not a duplicate and needs to be addressed By XXXX XXXX Of Suntrust Bank now known as truest Bank .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 279XX
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XX/XX/2020 a {$17000.00} wire transfer was sent by me from my bank, XXXX, to SunTrust bank in XXXX Florida. This money was initially reported as not found by SunTrust. After many months, I was sent a check for {$16000.00}. I was missing {$230.00}. SunTrust would not respond about this shortfall. XXXX Police contacted SunTrust and were told there was no account. I ask for my {$230.00} refund.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77073
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: About a year ago around mid XXXX, I paid off my car loan early due to refinancing it with another company. I contacted suntrust to inquiry about my GAP refund due to the early payoff. I was advised over the phone that I was not eligible for a refund. Im not understanding how this is possible if my GAP was included in my total balance due/ payoff.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Getting a loan or lease
Subissue: Fraudulent loan
Consumer Complaint: I realized there was a loan that does not belong to me, i sent all proper documentation and certified mail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: This is a followup complaint to XXXX. Total of 5 errors or omissions were listed in the original complaint and enumerated for clarity. SunTrust provided adequate explanations to items 1 to 4, but omitted its response to item # 5. I will repeat item # 5 and request a SunTrust response. 5. Concerning the outdated information in my profile, you state it is the client 's responsibility. I would expect this to be a joint responsibility, particularly regarding a 10 year old password date. Time spent on alleged suspicious activity would be better reallocated to client profile review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I opened my account with SunTrust exactly a month ago because I wanted to take advantage of the promotion, they had for their checking account so that I can close my old account. Yesterday I received my direct deposit into the account, and I did a XXXX transfer that night, my account was placed on hold. In the morning I log in to look at my balance, so I see that all my money is there. I get to working and decide to call them in the afternoon to resolve the XXXX hold. later in the day, I received two emails to contact them, etc. I call and they tell me that the only way they can lift the hold is if I go into the branch. 1. huge inconvenience to have to go into the branch 2. I was in Rhode Island working, where there is no SunTrust bank nearby, they would not give me access to my account at all online. The Customer Service Rep ( who also wasn't nice in the beginning at all, I think ended up feeling empathy for me ) suggested I use XXXX to transfer my money out of the account in the meantime since I could still use my debit card, this way I don't remain without my money. I was able to add {$2000.00} to my XXXX balance and then they blocked my card with a remaining balance of {$1400.00}. I called and spoke to fraud prevention and they said my account was being closed due to misuse of the account. I don't care about the account because as soon as I saw their very outdated policies and handling process I had already made up my mind that I was going to close the account. I need to know when I will be receiving the rest of my balance in the exact amount of {$1400.00} to my mailing address because as of right now there is no other way for me to get my money. This was unprofessional and very primitive handling of my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32221
Submitted Via: Web
Date Sent: 2020-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-04
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Received statement XXXX with a charge made XXXX XX/XX/2020, {$110.00}, @ XXXX XXXX XXXX XXXX XXXX GA, I have made no such charge, ( I haven't been 30 miles from home since XXXX, COVID ) I called, they " investigated '' said the charge was valid, it is NOT. I again attempted a resolution ( with assistance from local branch manager ) but ran into " circular logic '', can't rebut because the " investigation result '', which is the very thing I rebut. CASE # XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A