Date Received: 2020-07-28
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XXXX charged my debit card without being authorized. I disputed the transaction with them and BB & T. My account was negative because of XXXX and BB & TS lack of crediting my account. BB & T then allowed XXXX to debit my account which clearly did not have the money and this was with my debit card the charge should have been denied due to lack of funds! Then BB $ T charged me a 36 dollar overdraft fee! This is appalling with everything going on now for this to be allowed!!! Thieves!!! overies for free XXXX Your cancellation is confirmed. CANCELLATION CONFIRMATION Your membership : XXXX. XXXX Membership Membership Expiration Date : XX/XX/2020 Confirmation number :
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28216
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: The vehicle was repossessed at the beginning of XXXX. I received a notice from the lender that the balance of the vehicle after it was sold at an auction was {$14000.00}. I called Regional Acceptance Corporation which is the auto loan lender on XX/XX/XXXX. It states that the 10 and 20 day payoff for the balance of the auto loan is {$15000.00}. I spoke to a representative whom informed me that the auto loan was sent to a law firm by the name of XXXX, XXXX and XXXX. I then contacted them and was told by a representative by the name of XXXX at XXXX extension XXXX that the balance now as of today to payoff was over {$19000.00} because the loan has continued to collect interest at a rate of 16.9 %. This should be illegal and at this point I will never be able to pay off the loan. How can interest continue to accrue on a vehicle that you no longer have possession of. Also throughout the time of having the vehicle I had to make several high cost repairs including one a few months after purchasing the car and repairing/replacing the transmission twice in XXXX when the car was not even 2 years old and had less than 60,000 miles.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On or about XX/XX/XXXX I contacted my local branch of BB & T now 'Truist ' to notify them that I wanted to change the instruction my monthly consumer loan payment with them which I had with them for since XXXX. BB & T currently is using my checking account that I have established with them since XXXX to debit on monthly basis to get paid on this loan. my intension on XX/XX/XXXX was to change this arrangement to my checking account with XXXX XXXX XXXX. .Banker at XXXX XXXX XXXX XXXX FL XXXX processed the required paperwork the he presented to me for this request. Last week I contacted the BB & T consumer loan dept. to find out about the status of my new instruction on this loan payment I was told that as of XX/XX/XXXX they have NOT received any forms from me or the banker that has processed my request at the local branch. Immediately again I contacted XXXX office branch and spoke to the same banker that had processed my original request and was told by him after his research on status of the form that the form is LOST and the fax DID NOT go through be their system.! He wanted me to go back and start the process again. On XX/XX/XXXX I received a registered letter from branch manager of this branch that BB & T decided to CLOSE my savings and checking accounts with them in 10days and as of the date of their letter to me I should not use their banking service and cease writing checks on my accounts. This action by the bank is very upsetting to me and my wife. As I indicated before Myself and my wife have been a long term customer of this bank and in a very GOOD STADING Status. I recently paid off my mortgage with them. Never wrote a bad check or violated any condition that may cause this action by the bank. No reason was given on their action. I will appreciate if your Bureau can look into this matter for me to find reason of this action. I have done everything right on my side and those are the one at fault for messing up my instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I am a suntrust bank customer and there are fraudulent activities on my account since XXXX I deposited {$20000.00} towards my suntrust mortgage payment to be applied as principal balance. Suntrsut applied only {$10000.00} Suntrsut did not apply the month laon amount of {$1400.00} from XXXX - XX/XX/XXXX The loan was reset back to {$130000.00} in XX/XX/XXXX Loan amount at beginning of XX/XX/XXXX was {$130000.00} Loan amount should have been {$120000.00} - {$10000.00} The loan amount needs to be reset to {$90000.00} for fradulent activities committed by Suntrsut Bank. There have been fraudulent activities in my checking account for the amount of {$25000.00}. A check for {$25000.00} must be deposited into my suntrsut checking account I would my suntrsut checking account and suntrsut mortgage laon transferred to a responsible bank and managed by a resposible authority, Thank you Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On Monday XX/XX/2020 I deposited a check from XXXX XXXX XXXX XXXX XXXX XX/XX/2020 the check cleared. On XX/XX/2020 Suntrust bank closed my primary account that I deposit my pay check and pay my bills and they also closed the account that I deposited the insurance check in without warning. I am confused as why this would happen and no one call to say this was going to happen. I called the bank several times and no can tell me why accounts were closed and when I will get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: As of the XXXX of XXXX Suntrust closed my checking account. I called only told a letter would be sent. As of today, I still have no letter and no check for the money i have in there. I have called several times. Was told Suntrust does not have to give you a reason why they have closed your account. I have no Bounced ckecks. You can not talk to anyone who works in that department. They have my money and will not give it to me. If they dont want to do business with me any longer, thats fine but send me my money. They have no right to keep it. I am broke, I need food. And gas. I take care of my sister who is XXXX XXXX. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Opened new account at suntrust bank, XXXX fla, on XX/XX/2020, checking. Needed to deposit cash, {$5000.00}. At that time, the agent of bank ( XXXX ), did not review with me the paperwork, therefore my email was wrong and my address, so could not get on line for info nor receive my my debit card, had to go back to bank to address the issue. And to this day have not received my bank card. On XX/XX/2020, deposited a check from XXXX XXXX ( my account ) for {$50000.00}, the same day my money left XXXX XXXX. Suntrust said funds wont be available until XX/XX/XXXX due to confidential information that it would not be paid. They already had my money. Called several times and left messages with the branch manager XXXX XXXX, never returned my calls. Went to bank, caught her outside and said why are you holding my money, you already have it, she confidential information said may not be paid, I, why wont you help me, She Ive logged all your calls and walked away.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: My debit card wasnt working so I called my bank they informed me the my account was being closed. I said for what they wouldnt tell me and I said what about my momey thats in my account they didnt answer the question. But I was still getting text from the bank about my balance. So I have not been able to get any of my money thats in my account XXXX cant put gas in my truck get food nothing. They said I would receive a letter in the mail. But would not answer me about my money. And apparently I received a deposit because my balance went up. So if my name account is closed why are they excepting deposits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Managing the loan or lease
Subissue: Problem with the interest rate
Consumer Complaint: I purchased a XXXX XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX of XXXX, who was able to find me financing through Regional Acceptance Corporation, located in XXXX, NC, in the amount of {$23000.00}. I made ten monthly payments of XXXX ; therefore, in XXXX of XXXX, I contacted XXXX XXXX XXXX to inquire about refinancing my vehicle to have the monthly payments decreased. I was denied for the refinancing and the XXXX loan specialist informed that my vehicle was purchased at an interest rate for 14.95 % and amount that was financed was {$24.00}, XXXX. He informed me that, although, I made ten monthly on-time payments for XXXX that my balance has only decreased to {$22000.00}. Unbeknownst to me, I was a victim of predatory lending and If I knew this purchased contained such conditions, I would have never agreed to such an egregious agreement. Please rectify this situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23502
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-25
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: received online approval on XXXX.20 and email saying card approved. suntrust even called on phone to verify information. recd letter on XXXX.20 dated XXXX.20 saying that card is declined because they can not verify income or employment. they never called me even though they said they have. credit score is XXXX why is suntrust pulling this unprofessional XXXX. They need to call me at XXXX and explain the lack of professionalism in this matter. There are many banks to get cards with. Suntrust apparently has a lack of leadership in the credit crd dept and does not manage staff appropriately. Now I have a hard hit to my credit and Suntrust is coming up with XXXX. Way to go Suntrust, good job ... ... ... ... ... ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2020-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A