Date Received: 2020-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/13 I initiated an online transfer in the amount of {$2000.00} from my checking account at Suntrust to my checking account with XXXX XXXX XXXX. The transaction posted and debited from my Suntrust account. As of XXXX I have not received the funds in my XXXX XXXX XXXX account. I contacted XXXX XXXX XXXX on XXXX and they had no pending transactions. I also contacted Sutrust and was advised that the transaction failed and the funds were stuck although they removed the funds from my interest bearing checking account on XXXX. They are basically holding my {$2000.00} for no reason. This was money from a direct deposit from my payroll that I am entitled to. I have spent over 2 hours on the phone trying to resolve this. I was advised that they are now releasing the funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32225
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/16 Found out my SunTrust bank in XXXX XXXX XXXX, Florida had merged with others and because one of my beneficiaries banks at Sun Trust in XXXX, Georgia that was changing to XXXX XXXX they snagged my account and were getting ready to send it to Georgia. I contacted my bank here and said no I did not want my account moved. They said I had no choice. I said you mean my beneficiaries take precedence over me. That makes no sense. Is using a Social Security number like that legal? The same thing happened to my aunt. It was going to happen on the XXXX. I ran to the bank and closed my accounts. After I closed my account I checked online and had XXXX cents left in one account and XXXX cents left in another. This morning I got emails saying I had two overdrafts. One in each account and owed the bank XXXX on each account and must take care of them immediately or other charges would be added. One of these accounts was a savings account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33598
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Suntrust bank froze my account without any explanation and they told my account would only be frozen for 7 days for review it has now been 10 days and they are telling me that the freeze status has been extended but could not provide me a timeframe as to when the matter will be resolved. The supervisor is stating they are closing my account but cant tell me when. I opened this account a month ago, I received a deposit because per there promotion if you received direct deposit of XXXX $ or more for two consecutive months you get XXXX . Which is why I allowed my check to be deposited into the account and they have done nothing but screwed me over. After reading several complaints I doubt that this matter will even be resolved on a timely manner. Which is why I am submitting this complaint, there needs to be a class action lawsuit against suntrust! This is very stressful situation and this situation definitely triggered my XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29445
Submitted Via: Web
Date Sent: 2020-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-17
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account shows past due however I have never been past due. I requested forbearance do you covid-19 and they granted it, however they sent me something to sign in the mail which I didnt receive. They had me sign Something and I sent it in, they said it would be taken care of. However it shows me being past due but not the case
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34711
Submitted Via: Web
Date Sent: 2020-07-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received in the mail a {$2500.00} check from XXXX XXXX XXXX and XXXX XXXX for a claim for services rendered for XXXX XXXX. Then, I proceeded to submit the check on XX/XX/XXXX as a mobile deposit to my bank - Suntrust now Truist. Then, the next day, I am unable to get online access to check my account.I called customer service and I am told that the account is closed yet the check has cleared. So, I call XXXX XXXX XXXX and XXXX XXXX to ask it the check is legitimate. I am told that check for services on XX/XX/XXXX is real. I call the bank and ask what is going and is my account or not. I told the representative that I would prefer to keep the account as I have my VA XXXX check coming monthly to the bank. Then, on XX/XX/XXXX, I receive a letter saying the hold has occurred for the following reason : " We have confidential information that indicates the check may not be paid. '' And, if the funds held for deposit do clear " funds will be available on XX/XX/2020. '' I call customer service today and I get the message that the account is on hold and the account is under and closed. So, I have a concern why am I getting mixed messages about the legitimate payment made to me and deposited in good faith to the bank. As of now, I don't when or if I will receive my {$2500.00} due to me. Please advise and help me. I am XXXX veteran who needs the money to pay my living and medical expenses in a prompt fashion. This matter has really shaken me to my core, and I wonder why this imposition and inconvenience has occurred. Thank you, in advance, for your assistance. 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: MO
Zip: 63109
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Approx back in XX/XX/2019 / some time towards the end of the year. I spoke with a representative at Regional Acceptance in regards to my account. I advised the representative to cease all communication with the other party on the loan because she is my mom and she is older and this is not her vehicle. The representative confirmed the phone number and advised me that they would cease communication. I even verified that it was marked as cease communication. Fast forward to Wednesday XX/XX/XXXX and I receive a text from my mother saying that RAC had contacted her. An individual by the name of XXXX XXXX called her and not only did he call her after being told not to. He misinformed her on the amount owed and she was advised that the XXXX PMT was owed. When I contacted the company I spoke with another female who said she saw on the account that there was a cease communication on the number and she also mentioned it was called. She was also baffled as to why they called and offered an apology. This representative also misinformed me about what was owed and tried to tell me that we owe for XXXX. When the website clearly shows XXXX. We then called back and spoke with another representative who gave us the correct information on what was owed. We also questioned her about the cease communication that was placed on the account and she advised it was marked as no dialer calls. I advised her that was incorrect and requested a manager. She transferred me to a Supervisor Lead by the name of XXXX. Who tried to tell me that Im not allowed to place a cease communication on a phone number that is not mine. When we tried to advise that information is incorrect he no longer had an answer. We asked to speak with another manager and we were advised we need to leave a voicemail and get a call back. I know for a fact when an individual regardless of who it is asks for communication to a certain phone number that the communication needs to cease.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2020-07-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was approved for a loan from the SBA ( Small Business Association ) Application # : XXXX In the amount of {$80000.00}. I had these funds deposited into my Suntrust checking account. The bank froze my account, then closed it. Which they have a right to if they suspect suspicious activity etc. I have no answers from the bank about why they have my loan funds and have closed my account. I have made several attempts to give documents to prove the funds came from the U.S GOVERNMENT. I have no response from the bank, no return calls, only that they know nothing. I understand the laws of the secrecy act for banks for laundering money. There has been no papers served to me with any kind of accusations. The Suntrust bank is acting in bad faith by not sending me a check after closing my accounts. The balance owed to me is XXXX. They have not given me any chance to show where the funds originated or why. I understand it is the banks trained employees call. And that is fine. I am in no way laundering money nor do I do suspicious activity. I have no criminal background at all. I would like to get my loan funds {$64000.00} from Sun trust.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29108
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: In 2015, I purchased a used vehicle from XXXX XXXX in XXXX, MD and was trading in my old vehicle. XXXX XXXX had me sign two set of documents and they told me it was because they weren't sure which bank would take my loan. In actually, one set of documents had my trade on it and the other set didn't. A week after I purchased the vehicle, XXXX XXXX called me and said the bank wouldn't take the trade and I had to come get car, but also keep the vehicle I purchased. The documents I signed didn't have my trade on it. At that point, I couldn't pay both loans and called the bank to come get vehicle from dealer. The bank ( Regional Acceptance ) refused to come get vehicle, because they said I wasn't late or behind on payments. XXXX XXXX had vehicle delivered to my house and that is where the car sat until the bank came to pick up car two months later. Prior to that, I had never missed a payment or was I late. Now this vehicle is on my credit as a voluntary repossession and me owing {$23000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20721
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Our Country is facing challenges times and therefore the Consumer financial Protection should step up to the plate and enforce certain provisions that help consumers retain their homes. It is why you exist ( Consumer Financial protection Bureau ), without consumer complaints this organization would be non existent, please take this complaint seriously. On XX/XX/2020, BB & T received our request for a loan modification. Pursuant to Federal Rules, upon receipt of financial package servicer 's are to comply with the Federal rules and provide borrower 's notices of acknowledgment within 5 ( five business days ), of receipt. As of today XX/XX/2020, we have not receive any acknowledgment from the servicer. The servicer believes that the Federal Rules do not apply to them. No one is above the law, in fact the Supreme Court recently made this very clear In : District of New York v Donald J Trump, ruling. BB & T is NOT ABOVE THE LAW. BB & T must provide the following 1 ) acknowledgment letter 2 ) Notice of process and or missing additional information 3 ) outcome of the request whether is approved or denial 4 ) in the event of denial provide information where to mail appeal. BB & T must comply with the RULES!. Consumer Financial do not just stand here, do your job!.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33186
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I XXXX XXXX is the current XXXX of XXXX XXXX XXXX a XXXX XXXX established in XXXX. On Saturday the XXXX of XXXX I deposited a credit card cash refund from XXXX store into Suntrust Atm at XXXX XXXX XXXX in XXXX, the ATM machine malfunctioned and withheld the money without receipt. I immediately reported to the teller at the drive thru window where he gave me a number to call the fraud department which I immediately called the same day, their agent finally got in touch with me on the XXXX of XXXX and promised to investigate. On the XXXX of XXXX they credited the {$800.00} back into the account ( see the attached appendix # 1 ). To my surprise Suntrust froze the account the next Monday on the XXXX of XXXX without notice. I immediately called my account officer Mr XXXX XXXX at XXXX the same day, and he told me there is nothing he can do. However he gave me a number XXXX XXXX XXXX. The business care dept informed me that after they close out the account they will send out a formal letter. On the XXXX of XXXX, I received a formal letter of account closure, see the attached ( appendix # 2,3 and 4 ). I also received a letter on another one of our company XXXX XXXXXXXX XXXX with a certified letter containing a check in the amount of {$270.00} which I assume was a close out check see appendix ( # 5, 5.1 and 5.2 ). On XX/XX/XXXX I made effort to speak to XXXX XXXX at around XXXX on the XXXX of XXXX she told me that I will get our company check in the next 7day since I got the letter. I also called XXXX XXXX at the branch XXXX XXXX the same day requesting to speak to the manager and the manager refused to speak to me. Appendix # 6 was received yesterday a close out statement with XXXX account Balances, with attached digital check issued to XXXX XXXX XXXX but no physical check included, also appendix # 7 and 7.1 is similar with XXXX out balances and no physical checks, please see the attached appendix # 7 and 7.1. This made me to drive immediately to the local branch in XXXX XXXX in XXXX Georgia at around XXXX on Tuesday the XXXX of XXXX. The manger practically threatened me and told me not to come to the bank again. I went ahead to call their corporate number to get answer as to where our company money is I spoke to a lady called XXXX she said that I need to contact the issuing institutions that they have sent the money back to the issuing institutions, I then requested for a list of these issuing institution so as to contact them. She only offered to take my number and that some one will contact me. Till the writing of this letter no one has yet contacted me. And the worst is that non of these conversations are in writing they just makeup rules as they go, non were ever put in writing. Please not, a customers of ours who was unaware of the account closure, went to suntrust bank and deposited {$4500.00} for solar products Suntrust branch accepted the money but refused to credit my XXXX XXXX account with the {$4500.00}. The customer threatened for me to supply the products which I did supply till now Suntrust can not account the whereabout of this money, see appendix # 8 and 8.1 attached. I NEED TO KNOW WHERE OUR COMPANY MONEY IS LODGED AT THIS MOMENT WHICH BANK IF ANY IS IN POSSESSION OF OUR MONEY. I like to express to you that this illegal act and tyrannical act by Suntrust Bank has put me and my family in serious financial distress. And has cause serious disruptions on our supply chain hence we can not pay our suppliers for goods manufactured and goods in transit can not be cleared. You immediate attention to this matter will be appreciated thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2020-07-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A