Date Received: 2020-05-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I disputed the collection with all three credit bureaus and Regional Acceptance Corp deleted the charge off with XXXX but didn't follow up and submit the deletion with XXXX and XXXX. Per Section 609 ( a ) ( 1 ) of the Fair Credit Reporting Act ( FCRA ), you are required by federal law to verify any and all accounts posted on my credit report, and only report accurate information. I request all verifiable proof you have on file for the late payment listed on the following account. This delinquent account record is inaccurate. I request that the following account be promptly removed. REGIONAL ACCEPTANCE CORP # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have a Suntrust mortgage on a home in VA. I have never been late on a payment until XX/XX/XXXX. I have a lease purchase agreement that requires the lessee to make the payments at the branch. In fact over the past 3 or so years the lessee has paid down the principal portion of the mortgage approximately $ XXXX. On our about XX/XX/XXXX, a payment in the amount of {$6000.00} was made. Unfortunately there were insufficient funds and the check was returned. Suntrust attempted to redeposit the check 3 times and each time it was returned. On XX/XX/XXXX, I was notified that the check was returned for insufficient funds. Since this payment was due on XX/XX/XXXX and since I was notified after the 30 day window, Suntrust informed all credit bureaus that I was 30 days late. My Credit score dropped approximately 60 pts on all credit bureaus. I believe that Suntrust had the opportunity to inform me that that the check was returned before XX/XX/XXXX. I have discussed this with Suntrust and submitted a dispute and it was denied. I have clearly been treated unfairly by Suntrust and they have no intention of accepting any blame for the lack of notification. My complaint filing is delayed, because I never new this was an option until recently. Here is my response to Suntrust 's response ( XXXX ) to my complaint of XXXX Complaint # XXXX : Suntrust stated they called me twice and sent me a letter. I never received a call or VM. The Attached letter they sent is dated XX/XX/XXXX, the same day I was credited back the late fee of {$140.00}. Initially, the late charge is added on XX/XX/XXXX and then credited on XX/XX/XXXX after the payment is received by Suntrust Mortgage. I have no idea why there is a 2-3 day delay between the Suntrust branch receiving the payment and Suntrust mortgage crediting, but this has always been the case. The fact is on XX/XX/XXXX, the Mobile app online statement states that everything is in order. The Payment received and the late fee is credited. To prove this, the Attached online statement from the Mobil app portal clearly shows that the late charge of {$140.00} was charged on XX/XX/XXXX and then credited back on XX/XX/XXXX after the payment was credited to the account on XX/XX/XXXX. The only time I was contacted by Suntrust regarding the insufficient funds was via email on XX/XX/XXXX and on XX/XX/XXXX the online portal shows 3 returned item notations and a charge assessed of {$140.00}. I was not contacted until XX/XX/XXXX ( see attached email ). As soon as I was contacted, I rectified the situation as fast as I could. One additional note on the payment timing. If the payment was made at the branch on Saturday, XX/XX/XXXX it conceivably could have taken until the XX/XX/XXXX to get credited at Suntrust Mortgage. This delay is not fair to the consumer. Is your online portal not accurate? Should the consumer not trust the information that is displayed on the Mobile app portal? Should I be questioning all transactions listed on the Mobile app portal for accuracy? Why does it take 2-3 days for a Suntrust branch transaction to be credited to Suntrust Mortgage? Are you not the same company?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20169
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: BBT never sent paper bill for a credit card that had a {$100.00} balance. We then never rec 'd a phone call from them either stating that we were past due. Account balance has been paid off since beginning of XXXX and they have refunded late charges. Credit card has a credit on it. It caused our credit scores to drop 100 points for both my husband and myself. I have tried multiple time to talk to them about it and have filed disputes with all credit bureaus. They are continuing to report that we have a balance on the card even after refunding our late charges. They reported this info to the credit bureaus during a pandemic in XXXX for a XXXX $ overdue charge that we knew nothing about. This card hasn't had a balance in months, but has a {$13000.00} limit. When I questioned BBT on why no one had called us, no one could answer. We checked the contact numbers and they had incorrect ones from years ago. They have ruined our ability to be able to refinance our home and haven't been willing to to work with us. Both my husband and I have always had perfect credit scores and this card is paid off. We would appreciate BBT doing the right thing and taking this info off of our credit, admitting their wrong doing ( as is evident from the refund of the late fees ) and showing that this balance has been paid off for weeks now.
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: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On XX/XX/2019 I deposited, into my personal SunTrust account, a check at the direction of my emloyer in order to conduct business on his behalf. 5-6 days after the deposit ( orig check amt is {$9800.00} ) the account balance was {$5000.00}. I called SunTrust corporate offices, spoke with a representative named XXXX, who assured me that any funds appearing in my account balance are cleared by the bank and authorized for use. I proceeded to conduct business on my employer 's behalf. On XX/XX/XXXX, I attempted to access my bank account and was denied access. When I contacted the bank I was informed that the original check had been returned, my account was frozen and I owed SunTrust the money I had withdrawn to purchase Postal Service money orders to make payment to my employer 's client. I have been contacted by a collection agency, XXXX in XXXX, PA. I do not have the means or desire to repay this amount, as I was defrauded by my employer then victimized by my financial institution, who tells me no matter what their representative informed me, he was wrong and I'm responsible as the account holder for the amount of the withdrawal ( plus interest, fees, penalties ). I hope something good will happen. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I first made a request to SunTrust for my mortgage Coved-19 relieve 1 day after it was ordered by the President, HUD, and bank regulators on or near XX/XX/XXXX. I learned that the bank sent an offer to me on XX/XX/XXXX that I did not get until XX/XX/2020. I signed it promptly and the bank accepted the Covid-19 forbearance for 6 months with an option for another 6 months at my option. The lawyers for SunTrust deliberately held the Covid-19 request for 3 weeks in order to allow the court to order a foreclosure even though it was illegal by CFPB, HUD, Presidential Order. I asked SunTrust lawyers to abide by the Covid-19 relief and they falsely told the Court that it was only for 3 months when it was for at least 6 months and I told the bank I would need it for a year. The lawyers are defiant to HUD, the Presidents Order, CFPB, and its own Agreement by not directing its lawyers to abide by these items. The collection actions of the bank through its lawyers is circumventing our agreement, causing stress, violating the law, and falsely misleading me to believe the forebeance and modificaion will rigtlu be worked out withotu court intvention.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Back in XXXX of 2020 My checking account was scheduled to be closed and I was told that it was closed. i even got a check for {$8.00} which what I had left in the acct. Well now Im getting letters in the mail stating I owe money for an over draft acct which I was told was closed. When I spoke to the banker XXXX she told me it was suppose to be closed but for some reason it didn't close and i got charge {$15.00} a month for non active status and i asked her if that can be waived since i knew nothing about it. she told me its nothing she could do with the acct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30092
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: BB & T refused to revoke authorization for an ACH debit to IRS as requested under the Coronavirus Tax Relief - People First Initiative. I first sent 2 emails through the online portal and then called in to customer service. They had not heard of the tax relief so I read the information to them from IRS.gov. The representative consulted with her supervisor and advised they could not revoke authorization because it was not initiated in their bill pay system and stated the only option was to do a stop payment for {$35.00}. I declined the stop payment and advised I would contact CFPB for assistance. The representative proceeded to process the stop payment and charge the {$35.00} fee without my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 24019
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: i have power of attorney over a lady who is XXXX yrs old and she has 2 accounts at BB & T bank with over XXXX the account is in her name and a ladies name that was supposed to help her. but neither account requires 2 signatures to take her money out. so we went to get a cashiers check so we could switch banks for her. first time we went was on XX/XX/XXXX and we were told we could not do this unless the other woman was with her. with this being told we are almost sure that this is the other womans friend. so on XX/XX/XXXX we went to the main branch in XXXX ga and they told us that we could not have her money until she came inside the bank and they could determine if she was of sound mind and body, so we ask for a appointment since the bank lobby was closed due to covid. we were told no we could not we just needed to wait until they decided to open back up.we ask for a cashiers check, which they refused to give us, I ask them at this time to please call the police and they refused to do that also. They would not tell us no reason why we could not get the money but was extremely rude and made several sarcastic faces at us which can be seen on their camera 's .. They contacted the other woman and put a freeze on the account where she can not have no access to her life savings. I called their corporate office in North Carolina and they have set up a investigation on XX/XX/XXXX which i have not heard from since. Meantime I ask corporate to put a freeze on the accounts also so noone can steal her money. but they are with holding money from her that belongs to her and that she has a legal right to have when she wants it and this is highly disturbing to her esp since she is elderly and is in fear of her money getting ripped off and she can not understand why she can not have her money in a cashiers check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30705
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In regards to my loan for the XXXX XXXX XXXX, I had not made any payments as reported as late. XX/XX/XXXX, I was in an accident and this vehicle was totaled. Due to the lengthy process of resolving the insurance and GAP claims to resolve the debt of the vehicle. A payment was deferred and was to move my vehicle due date out a point that would allow the debt to be taken care of. I was to not have another payment due until XX/XX/XXXX, at which point the GAP claim would have paid off any remaining balance. After all of the claims were resolved, there was a remaining balance of XXXX on the account. on XX/XX/XXXX insurance paid XXXX of the loan on XX/XX/XXXX GAP insurance paid an additional XXXX I spoke with a collection representative of the company on XX/XX/XXXX, and we created a payment arrangement that was to prevent any payments as being reported late. The arrangement was that on XX/XX/XXXX XXXX $ would be drafted, and then any remainder would be drafted XXXX ( the following week ) This payment arrangement was set as I had been financially impacted by COVID-19 at my place of work and had already begun losing hours. Both of these payments were made as arranged and this account should not have been reported as delinquent. I have also attached my account overview page showing the account is paid off, as it is still reporting as not paid in full as well. Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-20
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I logged into my SunTrust account and noticed a charge to XXXX for {$1300.00}. I immediately got in touch with XXXX and found out that someone hacked into my account, ordered an XXXX computer and was having it shipped to Texas. I was able to get with XXXX and they were able to stop the order before it was sent to Texas. They emailed me saying that an unauthorized charge had occurred and that they have locked my account, deleted everything with the order and to disregard any order emails that may come through. They said my bankcard with Suntrust was charged {$1300.00}, and that I will need to dispute this with Suntrust. Once this is done they would then charge back the merchant. They said the refund would not come from XXXX. I'm attaching the email from XXXX that references this information, as well as another screen shot on XXXX. On the screen shot, if you type in the order number, it says " this was an unauthorized order and has been deleted from your account. We have sent you an email with the details ''. I disputed this charge on XX/XX/XXXX and I received an temporary credit while they investigated. A few weeks later I received a letter saying my dispute was denied and I will be charged the {$1300.00} in two days. No proof was give, but they said I can request documentation. I immediately contracted Suntrust bank and let them know. They said I would have to fill out a rebuttal form, which took them two days to email to me. I immediately filled it out and faxed with the emails from XXXX and the screen shot I'm attaching. I spoke with Supervisior at Suntrust and she noted everything on my file and said it should be cleared up quickly and that I also wanted proof of the denial. I have never received anything from them except headaches and wasted time on the phone. I told the Supervisor that I would give them until Monday XXXX of XXXX to either apply another temporary credit while they investigate or provide proof of the denial. Otherwise I would be filing a compliant. I gave them two extra days and with no response from them, so I wish to file a compliant against them. Please let me know if you need anything else from me. 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: 30097
Submitted Via: Web
Date Sent: 2020-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A