Date Received: 2020-06-16
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: My personal checking account with sun trust has been closed for about 2 months. I call every week and they give me the same response, your account is under review call us back within 3-4 days and this has been happening every week I call. all my money is in the account I cant pay for rent, I can barely feed my family and they wont even at least release funds I got from the stimulus. im making this complain because I been patiently waiting but its not getting me no where.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33055
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: BBT continues to describe bills that they sent us to pay. We never rec 'd them until XXXX when they sent a letter describing that the the account was 2 months late. We immediately paid off the XXXX $ credit card, BBT refunded the late charges, but still reported us to the XXXX, XXXX and XXXX. We had XXXX and XXXX credit scores and b/c of the {$24.00} reported to the all credit bureau 's our scores have dropped 100 points each starting a spiral effect of not being able to refinance our home. I have tried on mutiple occasions ( 4-5 calls into customer service, 2 calls and mutiple conversations with my personal banker at BBT and more than 3 internal complaints filed ) to resolve with BBT and not one single individual from their credit department will call me back. I have disputed the information on each credit bureau sites mutiple times. Each time BBT says that they did send me a bill. I never rec 'd a bill to pay. You may look at both my husband and my credit history and never find anything like this to happen before. I DID NOT receive a paper bill to pay despite the ones they say they sent. The credit card department told us that we had seleted paperless billing. We would just like this removed from our credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I have tried numerous times to get a late reporting removed from my credit on an account that was paid in full 4 years ago, XX/XX/XXXX with BB & T with a high balance of {$59000.00}. I have made numerous calls to them directly, letters, and disputes with credit agencies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Upon receiving my credit report it shows XXXX XXXX did a hard inquiry on XX/XX/2019. I have never spoke to this entity or authorized any third party to consent to a credit check. My credit file at this time had a fraud alert and clearly has a notation I must be called to do a credit check. Per TILA the consumer must know what the loan details are prior to credit being obtained. At no point did I speak to anyone from this entity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92139
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Suntrust bank instead of waiving and nsf fee as requested provided temporary relief and then charged the fees 30 days later. This was not explained on the phone at the time but was outlined in a letter sent out 2 weeks after the discussion. On XX/XX/2020 they charged by checking account XXXX. I was on hold for 45 minutes waiting to speak to a supervisor with the customer service number and gave up. I then walked into the XXXX branch XXXX, TN and spoke to XXXX. He said he also could not waive the fee and offered the 800 number I was just on. I then asked for the legal department phone number because I receive VA XXXX and those funds are exempt from garnishment and collection attempts. I'm filing a complaint to have all NSF fees charged to the my account during the life of this account opened to be refunded XXXX US Code 5301.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37922
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-15
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened a checking and savings account with SunTrust/Truist bank approximately 1 month ago after receiving an offer from them by mail. The offer stated if I open an account with them and schedule an automatic deposit of at least {$3000.00} per month they would reward me with {$400.00} after being with them for 3 months. We previously banked with XXXX XXXX XXXX but since moving to NC we found that we wanted a bank that had more branch locations. Upon opening the checking I auto deposited {$1000.00} from my XXXX account to Suntrust. This deposit was then followed by my paycheck of over {$2900.00}. The following week I opened a saving account with SunTrust and deposited {$5000.00} through an auto deposit from my XXXX account. Again we were switching all of our banking over to SunTrust. We have never received any notifications, alerts or feedback that any of this activity was suspicious. On XX/XX/2020 Suntrust received another auto deposit of my paycheck in the amount of {$3200.00}. I attempted to log into my Suntrust account to reconcile my checking and was greeted by an alert stating my online account has been restricted and that I need to call customer service. I did this and was told my account was closed. The customer service rep told me that he could not tell me why and I would get a letter. We could not have access to our funds and we would eventually get a check in the mail. I was get 2 other phone numbers in which we frantically called. After calling SunTrust multiple times, speaking to no less than 6 representatives and visiting the local account branch no one can tell us why the account is on hold, under review and will be closed. The reps said either they do not have access to the information or they can not give it to me over the phone. Suntrust also refused to connect me with the department that made this decision. I was finally able to speak to a supervisor who told me I can not withdraw my funds and must wait for their review to be finished. They would send me a letter explaining their action. This supervisor also said during this call that the review will decide if my money was obtained from legal sources. They refused to give us anything in writing stating any of these actions. SunTrust/Truist is acting as the police, prosecutor, judge and jury at this point and we are being told we have no recourse and must just wait. They have all of our money, everything! We can not pay our mortgage, buy food or pay our utilities because they have everything. I am requesting assistance in expediting the return of my account balances so that we can afford to live. I am also requesting that your office look into Truist/Suntrusts practices because after my experience I found many complaints listed online, including SunTrusts own XXXX page that mirror the issue I am having. I have filed complaints with the Federal Reserve, XXXX XXXX XXXX, the NC Attorney General and now your office. I do not know where else to turn and we have no money. We are hardworking, law abiding, tax paying citizens who should not be accused of fraud. I am hope that requesting action through your office and the organizations that I can get resolution and someone can investigate Truist/SunTrusts unsavory practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27540
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I did not authorize anyone to use my name or personal information to obtain funds, credit, loans, goods, or services or for any other purpose as described in my complaint. I did not receive and money, goods, services, or any benefit as a result of what happened in my complaint. These Inquiries are unfamiliar to me and I was told to let you know about them. Please delete the disputed items from my credit report within four days as required by the Fair Credit Reporting Act. XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX XXXX | XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70403
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: BB & T closed my account and told me on XX/XX/2020 that a check was timestamped and sent out to me at my address on file. They told me to wait 7-10 business days and it never arrived. I called them to ask them 3 times to trace the check and instead of tracing it, like most banks would, they told me they would call me back 3 times. The check never arrived.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2020 I received a XXXX device and while trying to set it up I was told to call this number and they charged me XXXX to register the XXXX. Then I contacted XXXX because they seemed very suspicious and I was told there is never to be a fee to register my XXXX and this was a scam. I have disputed the charge with my bank and I want to make 100 % sure that my bank refunds my account.
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: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened an account on XX/XX/XXXX with suntrust bank and i deposites XXXX with a check that i recieved from the sale of my house from the title company after a seven to ten day hold of my funds i was able to make two transactions before my account was locked i have called repeatedly and even went to my local branch and they dont seem to have any answers for me i dont have access to my money or anything its been over a month and still no answer as to why this is happening to me now as of XX/XX/XXXX under my transaction details it says Legal Order Debit for XXXX and once again no answers to why this is happening or reason all i know is my money has been taken from me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 315XX
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A