Date Received: 2020-06-26
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This is for the property at XXXX XXXX XXXX XXXX, FL XXXX with loan number XXXX. Homeowner 's name is XXXX XXXX. We would like to reach out to you because we are still unable to get any representative from the home preservation team of Suntrust via XXXX due to their long hold time of 8 hours. We have scheduled callbacks for that is the only option when calling them, however, we really have not received any call back from them. We can not get any further updates for this file due to not being able to receive any scheduled callbacks that we set with them. We have also tried to reach out to their point of contact but still unable to to get a response. The file was tagged complete on XX/XX/2020 and we should've had their decision already for the short sale review.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33897
Submitted Via: Web
Date Sent: 2020-06-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I bought a car XX/XX/XXXX financed thread Suntrust my first payment was XX/XX/XXXX we pay that payment over the phone on time. The second pay was done on their web page with their bill pay to make things easer so that is what we did we summited the payment through web site and we got a conformation paper that i printed. So we payed the third payment through there web site again. When we went to the web sit to pay the 4th payment we noticed that the payments were rejected. In the mean time Suntrust had reported it to the credit bureau as being late and behind in my payments So we pay the payment up and call Suntrust to see what happened ad found out that they summit the account number to XXXX XXXX wrong and the were kicking pack the payments. So after we found out what the problem was we ask Sun trust to remove the derogatory statements from the Credit Bureau they said the would investigate it and let me know so I got conformation from my bank that proved that I made the payment and they kick them back. Sun trust came back with there decision that they were not going to remove the derogatory from my record and said it was my fault because I didn't check my bank account. I asked them why they didn't call and let me know they said that they did but didn't not leave a message I asked them what phone number did they call and they wouldn't tell me they said I could get it from the CFPB. The problem is from the web site and their bank. It had lowered my credit rating so I couldn't purchase the house that we were closing on in 24hours. I gave them all of the facts in documents can you please help us in resolving this problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21804
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I started looking for options to refinance my existing mortgage in mid XXXX. At the time, I reached out to Suntrust Bank ( Truist ) that gave me a good quote. I asked to lock the rate. I was told I needed to apply online by the end of that weekend. I did. Next, all of the sudden, they weren't able to lock that rate and of course rate was higher now. Did not move forward. In XXXX, I decided to get quotes again, got a decent quote and this time and I was able to lock the rate ( of course with a little increase by the time I did ). I went through the whole process. Got my initial closing estimates, which I agreed to. When time to close on the loan arrived, I get closing disclosures, which, in the section of Services Borrower can shop for, the cost had tripled from the initial disclosures. I reached out to the mortgage officer and she went back, asked her supervisor, and came back saying that it was a mistake and that she was going to fix it " not to worry ''. A few days later, I get a call from the title company to close on the loan. At that time I did not have a final closing disclosure. The closing was set for XXXX on XX/XX/20. That morning neither myself nor the title company had the closing disclosures. Finally, at XXXX, they sent 4 different disclosures with different numbers not stating which one was the correct one. The title company kept trying to come to get my signature. By XXXX I managed to talk to the mortgage officer ( XXXX XXXX ) who told me that the closing disclosures where the ones I had gotten in the past. I told her that I had not agreed to that and that those services can not increase more than 10 % per mortgage rules ( I did not shop for those services. I accepted the services provided and quoted by the bank ), and instead they were increasing 300 %. The mortgage officer said that they had to change title company and that was the price. I refused to close on those conditions and told her to refund me the appraisal fee she had charged me, as I was being defrauded. She ignored me. The following week, after I made clear I did not want to close with the bank anymore, all of the sudden, another title company calls me to close!! I went back to the mortgage officer and asked what was that. Her response was that she can not give me the money back but she can now close with the original disclosure estimate. I continued to say no, I do not want to work with people or an institution that behaves like that. It was a clear situation where the officer or the bank was trying to rip me off. Only when I decided not to go ahead they lowered the costs to what they had promised. They clearly lure people with fake rates ( that then they increase ) and with fake closing costs ( that then they increase ). This is dishonest! I only asked for my refund of {$680.00} to forget about it and move on. The mortgage officer has ignored all my requests.
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: 2020-06-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Struggling to pay your loan
Subissue: Loan balance remaining after the vehicle is repossessed and sold
Consumer Complaint: Sheffield Financial was a company that finances a trailer loan for a side business. It was for a business listed under an LLC in XXXX of 2019. Total amount of {$14000.00}. There was a charge off amount of {$7500.00}. Now past due of {$9300.00}. The company has been let go and out of business since XXXX of 2019. I have tried numerous times to get it disputed because the company is no longer is business. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85295
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a mortgage with SunTrust Bank and I requested a forbearance under the CARES Act, so they granted me three months of forbearance. Now, however, they want all three months paid or I will be deemed delinquent. How is that possible? What was the forbearance for under the CARES Act? If I could not pay during the last three months, how do they think that I can all of a sudden pay all three months in one lump sum? Is that how this works? Also, I had to file for bankruptcy during this period and now the bank is holding that against me stating that they will not accept a reaffirmation agreement until I pay the lump sum. In effect, they are discriminating against me for having filed bankruptcy.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I received an invitation to apply for refinance on XX/XX/XXXX I used it to apply for refinance mortgage at Suntrust mortgage on XX/XX/2020, since then I have not heard anything and sent many emails without getting any reply, online the status is " reviewing documents '' I tried to call the assigned NLMS broker but did not get any response, I tried calling the toll free number but I stay on hold for more than 1 hour and eventually hang up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77063
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Complaint Description : Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Auto loan number XXXX paid in full and over payment check issued XX/XX/XXXX. Company " lost '' title and refuses to send payoff letter w/ notary. Company listed on NJ title as lien holder for XXXX XXXX vin number XXXX. LightStream payoff letter dated XX/XX/XXXX sent to me via email. NJ DMV will not honor payoff letter without notary stamp from LightStream. Car has been sold and paid off by dealer. I am unable to obtain a replacement title from NJ DMV without payoff letter notarized. LightStream contacted multiple times for this issue and they refuse to honor their contractual obligation. My attorney XXXX XXXX XXXX has also contacted LightStream on this issue. Aside from misleading sales and customer service practices they fail to honor their lending obligations. I have mailed them multiple correspondence letters and have copied CEO XXXX XXXX as well as customer service representative XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Hello, I booked a trip through XXXX the trip was scheduled for XXXX XXXX XXXX and was canceled by XXXX itself due to the Covid 19 Pandemic on XX/XX/XXXX Since the cancellation of the trip I have been trying to get in contact with XXXX with no success because they have shut down their facilities and not responding to anyone. I have also filed a dispute/claim with my bank in which I have been denied and was told they are still waiting on the consumer ( XXXX ) and that they have 120 day window to return a response. I called my bank again to do a follow up on XX/XX/XXXX and was told I have to wait until XXXX opens back up to talk with them about my refund but I do not see that happening in any way. There have been several other fraudulent activities with XXXX as well as my own. I have filed a police report with the XXXX XXXX police department for the return of my funds as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I refinanced my loan and my previous lender/servicer ( BB & T ) charged {$31.00} unusual fee ( Document cancel fee ) plus one extra day of interest ( {$74.00} ). I wired pay off amount a week before funding date to the settlement company and as I know they wired it the same day as the scheduled funding date ( XX/XX/2020 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20007
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-22
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: close my account with no explanation Frozen one of my accounts with no explanation I've had checks bounced I've had my car almost repoed my kids have set and with no electricity for hours in a hot house cuz I can't pay my bills they have told me story after story my account was closed because of this then my account was closed because of that and that my account was never closed for any reason at all.now the baby should be a check a month later after he crying and screaming and begging the ticket stolen now they won't pay me my money they're saying it was cashed when it wasn't or if it was it won't tell me who did it it's craziness
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37087
Submitted Via: Web
Date Sent: 2020-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A