Date Received: 2020-09-03
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: BB & T # XXXX has a incorrect balance reporting due to fraud. Charges applied were not made by me. I tried to call bank but had long hold time. Disputed with credit bureaus and made a formal complaint. I can not locate card so I assume it was stolen or dropped. The card should be closed as lost/stolen. I'm not sure how long its been missing because I hadn't been using it. I refuse to pay for something I didn't charge. Reporting it as such is unfair it's illegal. Please help me resolve this matter amicably and swiftly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
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 have an FHA loan from BB & T and due to the pandemic we have had no option but to apply for a forbearance plan. They have called me countless times from beginning of XXXX ( I didn't pay only the month of XXXX ) to tell me I have a missing month that in fact the forbearance plan I applied for will put XXXX in the end of my loan term. I have heard the word foreclosure countless times, until I school them on what my plan and rights are. I applied for the plan that puts my missing months towards the end, I am not missing payments to get calls 20+ times. Agreements don't mean anything anymore. They call me and ask about my information before disclosing anything, how can I trust them if its no scammer. Each call takes 10-15 minutes of my day, due to an error on their end.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20164
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: BB & T Servicing is not sending any mortgage statements. Their online portal also does not contain any mortgage statements. I emailed them through their portal to demand that they issue me my mortgage statements and they have not done so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 903XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I want to file a complaint against Branch Banking and Trust ; known as BB & T. I do not understand their banking procedures and feel as though I am being taken advantage of ; perhaps as a low income person ; of XXXX. I am aware that these are serious allegations but it is the way I feel. I have spoken to several customer service representatives on several occasions, regarding the matter and still the fees continue to be charged to my account. I am fully aware that I had an insurance charge of {$150.00} that drafted on XX/XX/2020 that was not supposed to be drafted, however it was. I woke up and saw that they had charged my account a fee of {$72.00} on XX/XX/2020, another fee of {$36.00} on XX/XX/2020, another fee on XX/XX/2020 of {$100.00}, another fee of {$36.00} on XX/XX/2020. When I called and spoke to someone to stop some of these fees I was told that they were validated but they are not. I was also told that an XXXX charge that came out on XX/XX/2020 for {$9.00} was one of the issues but that's also not true because I knew when that charge was immediately taken out of my account ; even though it was a pending charge, it still was taken off of the balance that I was able to use in my account. I have no way of proving their business practices, however, what I do know is that I can not be the only one that's going through this with them. I have tried several times to talk to them concerning this issue. I even told them that I needed to close my accounts with them because I could not afford all the fees that were snowballing and I have not been using my account. I had an unemployment check that was coming in on Mondays in the amount of {$110.00}. I know that removed {$100.00} of it on XX/XX/2020 plus the {$6.00} that I had to pay for not using their ATM. They keep adding these fees without me using my account. I also opened up a business account with them. I have a Personal Checking and Savings Account them and I also have a Business Account with them. I do not have a lot of money coming in right now. I opened up these accounts on XX/XX/2020 when more was coming in. Right now my personal checking account is in the negative {$270.00}. I know they are going to continue adding fees and there is nothing I can do about it. I know for a fact that I owe them the {$150.00} from my insurance company and an overdraft fee of {$36.00} but for them to keep adding fees, because they are under the assumption that I will just lay down and take that. If I was a millionaire I still could not take this kind of disrespect and being blatantly taken advantage of ; I know I do not deserve that ; as a customer and consumer. As I mentioned before and feel that it is worth mentioning again, after I spoke with someone on XX/XX/2020 ; and told her that I needed to close these accounts ; she was very nice and professional, so no reflection on her ; but she said I could not because of the negative balance ; even after that conversation, I am still accruing overdraft fees. I am not being difficult or nasty. I am helpless and do not know what else to do. This is bad business practices in the midst of this pandemic. By the time this letter gets back to them I will probably have more fees added and I am not touching my account. Their practices are totally different from other banks and I feel like that they are definitely taking advantage of consumers in this way.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-03
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have contacted Suntrust bank numerously since the beginning of XX/XX/2020 until XX/XX/2020 for mortgage receipts from payments from my origination date. They continuously told me to call the mortgage department but the mortgage department continuously told me to go to the bank where payments were made. I am only requesting a hard copy of my payment receipts with the payees name on them so that i can use them for another loan. They gave me the run around and then finally when i was at peaks end someone decides to help. She tried her best over the phone and even got in contact with the bank manager where the payments are made through and the manager agreed to do something. When we scheduled an appintment she accepted ownership but a bit too late and filed a paper so that we can get our needed receipts but to only call us the next day and tell us that they cant. I expected that. I have voice recording with the branch manager telling me she will order payment history with payee name on it but she couldnt come through with her promise. I lost the house i had an offer on due to the incompetency of the bank and tellers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
Submitted Via: Web
Date Sent: 2020-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: I made a payment for a holiday through my BB & T bank account ( XXXX $ ) and due to the COVID I couldnt go. Hotel is unable to pay ... so I contacted my banker ( XXXX ) who was not willing to help much. Not living in the US I had to make a phone call to make a fraud claim and they said I would either get an email or the money would be back to my account in a few days. After 2 weeks I called again and then they say it was denied and they sent a letter to an address that I told them I dont live in the US since XXXX. Apparently they also tried to contact me over phone, which again I dont live in the US since XXXX and they are not willing to contact via email ... so disappointed with this bank. XXXX from Fraud was not empathetic and he didnt try to help or see the way to fix it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: This car was an expensive monthly payment & because of this, it was voluntary surrendered to the the loan company which still resulted in a repossession on my credit unfortunately. This has impacted me in many negative ways.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19977
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On XX/XX/2020 at XXXX, I received a call from the lender 's collection dept at BB & T regarding my vehicle loan # XXXX. This is my final payment and was due on XX/XX/2020. The lender told me they had a right to turn my loan over to collection after the 3rd day from payment due date. I have been paying on this loan for 4 years, and this was the first time I have been told this. My promissory note states the loan will be in default after the 15th day from payment due date. As mentioned, this payment was my final payment on the loan. Feeling threatened, I allowed them to accept my final payment in the amount of {$100.00} over the phone. I usually make my monthly payment by online banking thru my financial institution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: The company allowed the Power Of Attorney for my grandfather to go in, update the signature cards to not include my name on the account titling, and then to take the funds with the reissued signature card. The signature card shows XXXX, which is the bank using the Power of Attorney paperwork to make account title changes to the account. The signer XXXX XXXX did not have a proper id, he never bothered once losing his drivers licence for XXXX/XXXX XXXX XXXX. The Power of Attorney had no legal authority in the power granted to them to update titling ( customer/account level ) on an account. Since they were unable to properly verify the signer that day, as evident on the signature card, no change could have been made to the titling.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 230XX
Submitted Via: Web
Date Sent: 2020-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-31
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Unsatisfactory and damaging services were charged to my credit card by XXXX on XX/XX/2020 and they were notified immediately. A dispute was filed with SunTrust, my credit card, and their ruling of XX/XX/XXXX appears to have nothing to do with the protest filed. See letter recently sent SunTrust dated XX/XX/XXXX with documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 254XX
Submitted Via: Web
Date Sent: 2020-08-31
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A