Date Received: 2020-08-03
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Good afternoon, I, XXXX XXXX, S.S. # XXXX has had an issue with three of my accounts showing on my credit reporting status with XXXX, XXXX and XXXX ... I have a XXXX -- XXXX XXXX XXXX, XXXX, NC XXXX Credit Card that is not showing where I have paid since XX/XX/XXXX -- -Credit Card # is XXXX Exp. XX/XX/XXXX 4 digit code on back of card XXXX. I also have a second account that I am concerned about, which is my Mortgage which was closed on XX/XX/XXXX with Summit Lending and was sold shortly after to XXXX XXXX XXXX that is not currently showing since I purchased my home ... Account Mortgage Number is XXXX -- -Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX and XXXX XXXX XXXX Address is : XXXX XXXX XXXX, XXXX XXXX XXXX CA XXXX -- -Mortgage Amount Monthly paid is {$1200.00} -- NEVER BEEN LATE!!! Also, a third issue not reporting on the Credit Bureau 's are my car payment with XXXX XXXX XXXX - XXXX XXXX XXXX, XXXX, AL XXXX -- -Account Number is XXXX of {$560.00} Monthly Payments ... NEVER BEEN LATE!!! I would like to say that I went to XXXX since the COVID 19 - Pandemic to get a LOAN to help assist me with my bills since my husband 's job was depleted and unfortunately, they were going to give me a LOAN but said to me that nothing that I was paying MONTHLY was showing up on my CREDIT REPORT. I have been paying each of these LOANS ( Mortgage, CREDIT CARD, Car Payment ) for approximately 2 years each and NOTHING is showing up on my Credit Reports when they pull it. I was very upset and was not able to get additional funds to help me with my bills and would like for this issue to be resolved ASAP. I need assistance. I have a Fraud Alert from years ago of Identity Theft. I just need to show these reportings on all 3 Credit Files of GREAT PAY HISTORY : ) My telephone number is XXXX and my mailing address is XXXX XXXX XXXX XXXX, XXXX, NC XXXX. I sent over to all three Credit Bureaus a copy of my License, SS Card, Letters they requested when I could not reach them over the phone months ago to take care of this problem and I have not heard any thing back from them as of today and that's been approximately 8-9 months ago. I would appreciate if someone was to assist me immediately. Thanks in ADVANCE!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28214
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have several loans that i borrowed back in XXXX while in college, right now all of my loans have been consolidated and out of default. i contacted the dept of education and they have already worked with me to get those loans consolidated and i have applied for the income driven repayment plan that will allow me to make monthly payments after the COVID pandemic. i am working with a credit fixing agency and it is taking them longer to remove those negative items out of my report and my credit score remains the same. i am reaching out to see if you are able to fix this issue. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32301
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: XX/XX/20 - one phone call XX/XX/20 - one phone call and message XX/XX/20 - one phone call and message XX/XX/20 - two calls and messages XX/XX/20 - several calls. Answered once, told person NOT to call again. Hung up. She called 5 times in a matter of three minutes. Then called me again a half an hour later. The company has been calling my job several times over the past couple of weeks. They have been told before, about a year ago, to NOT call this number. They told me that they had removed the number from their records. Obviously they had not. When I called them after work today, I talked to one person who told me she had removed the number from my account. I was then transferred to a supervisor who then told me he saw the number and HE would remove the number from my account. It's apparent that they do not remove numbers from the accounts. I expect I will get a call from them again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45042
Submitted Via: Web
Date Sent: 2020-07-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-31
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: SunTrust-BB & T-Truist Merger// Upon giving the banking institution my new email, phone numbers and update info, I discovered the account had been frozen because someone made unauthorized changes to the account ( XX/XX/XXXX discovered misuse of info ). They began creating monitoring services or secondary image accounts only accessible to them. Where hacking, fraud, stealing commissions, deceptive ethics are used for benefit ( Pacing XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX Unauthorized transactions ). XX/XX/XXXX, during pandemic XXXX was taken from acct thru XXXX, I contacted XXXX for refund XX/XX/XXXX when I check the acct, I don't have whtever the purchas was or approved it. They extended their response from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, they mentioned giving merchants time to respond, I told them I wasn't interested in the pyramid pool someone created and just wanted my money. I discovered a XXXX XXXX from the XXXX account to the now Truist Bank. I also discovered changes in other services I didn't approve. It appears they're stealing or over charging me for some reason, but they haven't explained it to me. I want to know what is going and why I'm being financially harrassed by an over eager bank representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-30
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX ( 13 minutes ago ) to Customer XXXX XXXX , Unbelievable answer to my question. I did the location search and the answer was " no locations found ''. That is why I asked you for a location. You did not respond, only sent me to your location finder again. Doing a little research, I did find the nearest location in XXXX XXXX, Va. XXXX which is about 250 + miles from my house. My question to you now is, how do you expect me to do business with a bank location that is 250 miles from my house? The Sun Trust location I used is 2 blocks from my house and there are 20 locations within 15 miles of my house. Not sure this was the correct action for my banking needs! 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: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I reported a fraud on my account twice to suntrust and they ignore it. I was a victim of wire fraud for XXXX. This happened in XX/XX/2019 and they deny my claim. They send paper from the bank and none the sheets had my signature on it but the still took two of my check to make me pay for it and charges fees.i send a disatfied letter about the case and now they claiming they havnt got the letter that I send at the address they gave me .. I also had police report send to the company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I opened a new checking account with Suntrust for the specific purpose of transferring funds from XXXX, the selling app, where I sell face masks that I sew myself. Since the pandemic I have donated over XXXX masks to Nurses and first responders, I sell masks to cover my expenses. On XX/XX/XXXX my first deposit was made, and between XXXX XXXX deposits were made into the suntrust account. 1 deposit of {$50.00} was from my checking account with another bank, which I used to open the account. The other 13 deposits were from XXXX. When my funds cleared from a sale on the app, I immediately transferred the funds. In total, I have {$500.00} in the Suntrust checking account. For 10 days I was unable to access the account online, it prompted me to reset my password multiple times. On XX/XX/XXXX I received a welcome letter from Suntrust with checks for my account. I have not received any other communication from Suntrust. On XX/XX/XXXX I called Suntrust for help with accessing my online account. They told me my account was being closed for suspected fraud due to an investigation and report from another past banking institution that I used years prior. They told me my funds were being held for a minimum of 30 days. I told them this was unacceptable. I am very upset. I need this money to recover my expenses from sewing face masks and pay my daycare provider on Monday for the upcoming month. They allowed me to open an account and had no communication in the 9 days my account was open regarding this issue or investigation. All I have done is deposit money from the Selling app from the sale of face masks. After escalating to a supervisor he gave me an address in TN where I could mail a complaint. They were no help. My issue is that they could have easily seen an issue in my past banking history ( 2+ years prior ) when approving me for an account. There is no money owed to any banking institution. Instead, they allowed me to open an account and make $ XXXX deposits in a 9 day period with no communication on a potential issue. I had to seek them out to get an answer on how to access my funds and am now am being told I have to wait at least 30 days to access my funds. I havent done anything wrong and will be unable to pay my daycare provider on Monday which means I will have no care for my child and will be unable to go to work. I want my money ASAP as I am being punished by a bank for their own oversight. See attachments for screen shots of my XXXX sellers account and the direct deposits sent to Suntrust from this account. Please remove my seller account photos from the report that you publish.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-29
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: In XXXX of 2017, my car was towed away from my parents ' house in an effort of SunTrust to collect payment on the car. I did receive the call from Suntrust for the bill to be paid and ask them the send in a mail to my parent 's house to be paid. They said they never received the mail and were told to keep waiting for the mail. once the vehicle was towed away from our driveway, we then get the notice from the tow company to call our debitor. We had plans to pay off the car with the billing they were supposed to send but with the tow fees included, estimated an extra {$1000.00} with the end balance, was something we didn't have at the moment. We tried to reach out to Suntrust to make a payment deal to pay off the car after the deduction of the tow fees but didn't get resolved. After some time, the full amount was paid and we didn't receive our car title and had to get it from a service that was extra charges. All within a 3-month span of the ordeal, my father was terminated from his main job and I was working in XXXX XXXX XXXX base leaving my mother bearing the weight. This has marked on our credit affected my mother, my father, and me from receiving any other help to get back on our feet such as loan, refinancing, lower interest rate, etc from this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2020-07-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am currently under the CARES ACT of 2020 for my FHA Mortgage loan with BB & T. Based on the guidelines under this act, my credit is not supposed to be effective. However, BB & T is showing the amount of Past Due Payments which has affected my credit score. Per the guidelines, the credit account should show as current. The rep I spoke with at BB & T stated because this is a forbearance and they have to report the past due amounts. This should be an exception in this case based on CARES guideline. This is unacceptable if you read the CARES ACT guidelines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27529
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: On several days this month, XX/XX/2020, I made attempts to address and resolve the problems that I have with SunTrust bank re : my car note/car loan. I am at the end of this loan and I do NOT believe that my final outstanding balance is correct -- because 1. SunTrust bank has not given me credit for the car note that I paid on XX/XX/2020 of {$230.00} and they have been applying random amounts to my account at any time during the month for a LOT of months as Late fees ... {$22.00}, {$23.00} and lately/last fee was {$52.00}. As a senior citizen, in XXXX DC, I believe I am being scammed as I reach the end of my payments and THIS BANK will not discuss these problems with me in a respectable and decent manner as their CUSTOMER!! Now my account is going into XX/XX/2020 and I know they are pushing me to be able to charge me another month in a LATE FEE! I reached out to the XXXX XXXX -- XXXX XXXX XXXX XXXX XXXX and Banking to address this matter on XX/XX/XXXX, XXXX and they are telling me that they do NOT cover SunTrust bank XXXX referring me to you! I need HELP!! They told me that I owe them {$300.00}, which I do NOT agree with because of them not giving me credit for my XX/XX/XXXX payment. But I also dont agree with several of these late fees and NOW the XXXX late fee that they will surely charge to me! I need HELP and I need assistance here. SunTrust WONT HELP ME! XXXX can not HELP ME! YOU ARE my LAST Resort!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A