Date Received: 2020-08-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Regional Acceptance has placed negative information on all of my credit reports without any notice to me. I have sent them a validation letter via Certified USPS mail and have proof they have received it. I have asked them to validate this unsubstantiated claim. Also under the Fair Debt Collectio Act, this item needs to be REMOVED while a dispute is under investigation, and if validation and items requested in the validation letter are not provided then Regional Accep [ tance needs to permanently remove this reporting from all 3 credit bureaus. Regional Acceptance has hundreds of complaints against their collection practices online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2020-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/20 i open an savings account with Bb & T transfered XXXX to the savings from my checkings i had for an year woke up XX/XX/20 to my account close they can't tell me where is my money why my account close anything i just had a baby i was trying to buy milk and pampers and couldn't use my card they cant give me any information at all so im stuck trying to see what is going on and how can i get the issues resolved
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I have an account that went " dormant '' with {$50.00} in it. I am trying to close the account however they are insisting ( via electronic communication and over the phone today, XX/XX/2020 ) I need to do this in person at a branch ( closest branch is 50 miles away ). I opened this account online and have never visited a branch. I just want to close my account and get my {$50.00} out, and they are not making any exceptions due to COVID-19 and still insisting I put myself at risk going in person.
Company Response:
State: NJ
Zip: 07105
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with SunTrust Bank on XX/XX/XXXX online through a promotional program that they were offering. I waited until XX/XX/XXXX to set up my online account and deposit two checks into the new checking and savings account totaling {$1300.00} and {$1200.00} respectively. After depositing the checks, I continued to check back over the next few days to see when it had cleared into my account. I see that it finally does and see that a hold has been put on the account. I think nothing of this. I check back a day or so later and my online access has been denied. I call with my account information and at this point I am informed that my accounts have been closed. I inquired about the funds and was told that I would receive a check in the mail. I called directly back to use the automated system to confirm the amount in my account and at this time it confirmed the original check amounts. XX/XX/XXXX. I finally receive the debit card in the mail and go to a branch and try to withdraw the funds that way at the XXXX, Georgia branch. I was informed there that I was not allowed access to the funds and to call XXXX SUNTRUST. I argued for a bit but finally drove off and promptly called the 1800 number. I was informed that I was not allowed to speak with anyone because my account was on fraud alert. I began documenting on XXXX the XXXX when I called once again to the 1800 number. I was then informed that my Social Security number that I was giving did not match the file. This is the first time of the calls that there was an error which leads me to believe that it was altered on purpose. I will digress into that later. But on this day I spoke with XXXX in XXXX XXXX XXXX and she refused to release any account information or a time frame of funds being returned in the account. I asked for a manager and was transferred to speak with XXXX XXXX, a manager in the Accounts Securities department. He stated that a letter was mailed on XX/XX/XXXX that would address the issue and to wait for that. I argued for a while and he refused to give me any information about my accounts. On XX/XX/XXXX, I received in the mail the letter that was supposed to address the account closure. It stated in the letter that the accounts were closed and that within 5 business days a check would be issued. I waited until XX/XX/XXXX to see if it would be mailed and it had not. This time I called my closest branch in XXXX, Georgia and spoke with XXXX, Branch Manager of this bank. I attempted to explain the situation and solicit help with the problem but she informed me this was a 1800 problem and to contact them. I let her know that I had tried and of the letter that I received. I then suggest that we contact the 1800 number together to speak through this, because I had been told by customer service on the 800 number to visit a local branch. She said that would take a while and she did not have time for that. I then called once again the 800 number and spoke with XXXX XXXX and XXXX, both supervisors in the accounts securities department. Both refused to speak with me saying that my social security number did not match. XXXX hung up on me after an hour and a half of waiting and speaking about this. I called back and spoke with XXXX XXXX and after another hour of attempting to get information about my account was informed that I had to go to a branch, prove my identity and then get the information. I told him that I wanted a manager to contact me back and he said he would schedule a call back from a manager within one business day. I have yet to receive this call. I also talked about the sudden change in my social security number and how it was not possible for me to set up the account without the correct number. I even walked him through the process of signing up for an account and the security questions that are directly linked to credit and that it would not be possible to get questions related to me without that. I also talked about how up until XX/XX/XXXX I was able to call in, confirm my account information using the last 4 of my social accounts without incident. So I finally hung up. XX/XX/XXXX I called the XXXX, Georgia branch and scheduled a meeting with XXXX at the branch. I met with him and took my passport, drivers license, and social security card and talked through the situation. He informed me that he could not help and called account securities to confirm my identity and the error with the social security number. He did inform me of what the system had and without a doubt it had to be tampered with. The 3rd from last and last number were altered by one number. It is extremely difficult for this to have been a mistake. I was then informed that they could no longer help me and I had to wait 72 business hours before I would receive information. I asked to speak with the branch manager and she refused to come and assist. After leaving the branch I called the 800 line again and spoke with XXXX, not sure what department this time, I informed him of the previous night 's conversation on the 800 number that I was told to go to a branch and confirm my identity and that they would provide me with information. This time he told me to confirm my cell phone number for secondary identification, I gave it to him and he said that it failed verification. I asked him to list the number that was on file. It was the exact number I had given him, but he refused to speak about anything on the account. After arguing for a few minutes he hung up on me. I called back and spoke with accounts services supervisor XXXX. I Was told the same thing and that they would not speak with me about anything about my accounts. XX/XX/XXXX, after waiting 72 business hours as told, I called back to the XXXX, Georgia branch. This time I asked to speak with XXXX, the branch manager. She at first was not going to even listen to me but after explaining to her the poor customer service her branch had shown thus far and informed her that I might need to seek legal advice she began to listen. She called to see what she could find out and was told by the fraud department that the funds were being held and that they would not comment on when they would be returned. She inquired about the letter that I had received but they said they were not sure when the funds would be released. She requested that we conference with all three parties ( myself, fraud and her ) and they told her they do not speak with customers. XXXX said she could not help me further and said to call the 1800 number. I called the 800 number and spoke with a young lady who did not give me her name. She gathered information and called the back office she informed me that the money was never received. I informed her that I had statements and confirmation from previous calls that the funds were deposited and showed cleared amounts that were in my account. She hung up on me. I called back and requested a supervisor and spoke with XXXX, a XXXX XXXXXXXX supervisor. He informed me that the funds will be held indefinitely and refused to give me a reason for the hold, the closure or a time frame. I asked to be transferred to a manager and he said they do not speak to customers and he had to make a request. I told him to do so and said I was still waiting on a previous request for this as well. I was then transferred to the fraud department and spoke with XXXX and finally the supervisor XXXX. He is a supervisor in accounts services and after putting me on hold several times for lengthy periods each time he said I would not receive any further information and that I might get a letter with the check or the funds would be released back to the original person who wrote the check. I asked for a time frame once again and he refused to answer. He stated that they could hold my money indefinitely and did not have to give a reason. I even went into detail that it was a relative that issued the check, and that I have a signed affidavit stating that she issued and granted the check to me. I have called countless times and everytime I have gotten no response on the reason or when I would receive money from the accounts. I have emailed, called and visited branches and everytime I get the standard we cant help you response. I am in need of assistance with this matter. I have all documents that have been received from Suntrust as well as the original checks and a signed affidavit confirming the issuing of the checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: My social security number was ran without my consent resulting in inquiry on my credit report and file. This is a fraud inquiry and i want it removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Hi, my account was breached since I received my S.S. Benefit check dated XXXX. I have no money to pay my bills and I am being threatened by the utility companies that they will shut down my services. I am a Senior Citizen and XXXX. I called and filed a fraud report with Suntrust and was given a case # XXXX. My account appeared to be a negative {$12.00} and change on XXXX. The representative closed the account and issued me a new card which I received today XXXX. I checked my debit card account and now allegedly owe almost XXXX on a closed account. How is this possible! I have been with SunTrust for many, many years with no problems until the merger began. I need and demand that my account be restored to XXXX with my entire S.S. check of {$1100.00}. so that I can pay my bills. I am a XXXX XXXX survivor ( last one out of the XXXX XXXX ( with XXXX XXXX XXXX and many other ailments ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34741
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-19
Issue: Struggling to pay your loan
Subissue: Denied request to lower payments
Consumer Complaint: I have had an auto loan with SunTrust Bank since XX/XX/2020 where I have not missed a single payment ( yet ). I just called SunTrust Bank and inquired about a loan modification in which there are options, but Suntrust refused to modify and stated that I would have to do a refinance with them even though I am already a good-paying customer for almost a year. During this Covid-19 environment I would think that banks are encouraged to work with the citizens due to rampant layoffs, terminations, evictions, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35124
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened a new account from XXXX XXXX and wrote a check to a contractor that was refused by BB & T and then made a wire to resolve the funding delay from the check. The funds were withdrawn from my account but they werent released to the recipient, instead his entire account was frozen for at least a week and he was charged fees to launch an investigation. My contractor is now being forced to pay out of his own savings for paint and materials. The bank is holding his funds and account XXXX and refusing to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I previously filed a complaint and BB*T response was lacking the necessary documents that were sent to me via email. They conveniently left out the fact that they sent me an email on XX/XX/2020 and I responded on XX/XX/2020. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. As you can see from the attached documents, I received the email on XX/XX/2020 ; at the bottom of the email is an attached word document. I responded to the email on XX/XX/XXXX with the response and two attachments : The Merchant dispute Letter and the PDF copy of the gmail correspondence between myself and the constitutional tax collector. The information contained in the word document which I have included answers all the questions they asked me over the phone in late XXXX. They also left out the fact they I called in to the call center several times before XX/XX/2020 to find out the status of the dispute. At no time did ANYONE who answered say they needed more information or that they did not received my email. I want my complaint escalated and reviewed properly. Additionally, the response time went from 30 days to now 120 days? And with all of the back and forth has not a single person tried to give a provisional credit since it is clear the transaction was in error. This response is just insufficient.
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: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I ordered hair salon equipment that was four double sided stations and eight styling chairs from a company called XXXX XXXX on XX/XX/20. XXXX XXXX called me to set up a delivery date of XX/XX/20. He and I had emailed back and forth discussing my order. I still have not received any of my purchased order from the company as of XX/XX/20. A company called XXXX XXXX XXXX took the money from my account on XX/XX/20 but I never had any dealings with this company. I had only spoken to a man named XXXX XXXX from XXXX XXXX who claimed to be their sales executive phone number XXXX. I reached out to the company XXXX XXXX on XX/XX/20 through XX/XX/20 trying to inquire about my delivery date and had no contact then at all while emailing, calling, and leaving messages. I contacted my bank Suntrust now Truist on XX/XX/20 to inform them that I thought I had been scammed by XXXX XXXX. I gave info to start investigation and on XX/XX/20 they sent me an email stating no error had occurred. I reached back out to them by phone to appeal and was told i would need to fill out a rebuttal form. I also asked for proof of why they made their decision which I also have not received. I received that on XX/XX/20. I printed it and filled it out. I had gathered information from XXXX about is this company real? I googled the address to XXXX XXXX and found it was a vacant building. I reached out to businesses near that address and companies confirmed it was vacant and had been for years. I filed a police report, talked with other stylist and received emails with some of their stories. I Had received emails from a business near the address XXXX XXXX XXXX XXXX XXXX XXXX Illinois XXXX. I had discovered that a company XXXX XXXX is using the same address. Again no business in the actual building. I sent my rebuttal form in on XX/XX/20. since then I reached out to the Illinois Secretary Of State and enetered XXXX XXXX and XXXX XXXX A Person with the name of XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Illinois is the contact person for XXXX XXXX. The contact person for XXXX XXXX is XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Illinois. I was told it could take up the 45 days to decide to open my case back up. I need a resolutions. I understand that I used my debit card to purchase but Never with XXXX XXXX and I have never received my goods purchased from XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 307XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A