Date Received: 2020-03-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Car lease with Hann Financial Services. Status on credit reports shows " paid, closed, written off ''. This was paid in full. It was NEVER written off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11566
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-08
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XXXX has inaccurate information regarding a checking g account I use to have with BB & T 4 years ago. Ive talked to them and sent all the documents that show proof. XXXX reported : suspected fraud activity on my old BB & T checking account which is completely false. This is consider SLANDER in America!! They need to take this inaccurate information off my credit report IMMEDIATELY! What can I do? Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2020-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Disputed : XXXX/XXXX/XXXX CFPB : SunTrust Bank/Light Stram & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : SunTrust Bank with an original debt of {$6300.00}. I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. Please see attached signed Agreement page for debt consolidation program and the date of the agreement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11412
Submitted Via: Web
Date Sent: 2020-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mortgage was transferred from XXXX XXXX to Cohen Financial. It is very important to me to pay my real estate taxes on time. My mortgage payments are always on time so they have plenty of money in my tax escrow account. My taxes were due to the City of XXXX on XX/XX/2020. They have not been paid. When I asked the mortgage company they came up with some excuse that they sent the money and the City sent the money back. I have owned this home for 26 years and the City never sent the money back before. What tax collector sends money back? The mortgage company said they gave the City my correct address and tax parcel number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02125
Submitted Via: Web
Date Sent: 2020-03-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I open an account with Suntrust on XXXX or XXXX. I had an account with XXXX XXXX XXXX. Within two days XXXX and XXXX, I XXXX money to my Suntrust account from my XXXX XXXX XXXX account to fund it. The amount was XXXX dollars. On Friday, I access the account to set up bill bay and it stated my account was restricted. I immediately contacted them and found out my account was closed due to rules and regulations and that I will have to wait at least 15 days and I may receive my funds. I ask to speak with the Suntrust supervisor to see if anything can be done, in order to get my money. They advise that nothing can be done. I even ask if I can go to the branch to receive the funds due to that was most of my money and I had a little on my me. They advise that they couldn't do anything and if applicable I will be mail a check of what ever the amount is
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27609
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have a business account with BB & T and I never opted-in for them to pay my debit card transactions when I don't have enough money in the bank. I spoke with Representative XXXX on XX/XX/2020 that said for business accounts you are automatically opted in unless you opted out. The rep said they do not offer opt-in or opt-out Because they had me opted in I was charged a XXXX fee on XX/XX/2020 for a transaction that processed through my account. I was also charged a 7 day negative fee of {$36.00} on XX/XX/2020 because of that same transaction. I'm mad that I was hit with {$72.00} in fees because of BB & T automatically had me as opt-in instead of opt-out. I did not think they could automatically do this to a person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XXXX charged my debit card two charges of {$73.00} on XX/XX/2020. I called my bank they said they would investigate and gave me a provisional credit. I also called XXXX who acknowledged the charges were not vaild and said they would refund the monies. I received a refund for one of the charges on XX/XX/2020. I called XXXX and they said they had submitted and gotten an approval for both of the charges and assured me it was done. I have not received a refund for the second charge and I have been in communication with XXXX who states they are refunding the other charge. Meanwhile my bank reversed one of the provisional credits when one of the refunds came through. then the bank sent a letter on XX/XX/XXXX stating that it had investigated and determined there was no error so they reversed the second provisional credit. Throughout it all daily I have been in contact with XXXX who last stated ( Monday XX/XX/XXXX ) that I should have my credit by Wednesday XX/XX/XXXX. It is Friday XX/XX/XXXX and I still have not received my refund. My checking account is in the negative. I have been charged overdrafts fees and I will continue to receive overdraft fees because of this error. My bank SunTrust lied and said they did an investigation. If they had spoken to XXXX on my behalf. They would not have reversed the provisional credit, in fact they would most likely have ensured XXXX refunded my money in a timely manner or simply reversed the charge themselves. I feel there is no excuse for the incompetence XXXX has shown in charging my account and in its ability to correct the error in a timely manner. I feel there is no excuse for SunTrust in failing to investigate the error and have it corrected in a timely manner. I can only assume that because it is a small amount and I don't have millions in my bank that they simply do not care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23608
Submitted Via: Web
Date Sent: 2020-03-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: There was a charge on my BB & T now truist? checking account for {$1100.00} around XX/XX/2020 in XXXX XXXX West Virginia that I did not authorize. I was being overcharged by a gymnastics company named XXXX XXXX. I am in a dispute with the owner of the gym. He kept my debit card on file and charged it. I am not enrolled in any sort of auto pay with this company, I never signed a contract for the amount of {$1100.00} and I never ever gave this man permission to charge my debit card. Ive filed 2 separate claims with Bb & T and they say theres nothing they can do. Nobody alerted me this amount was charged, the bank nor the owner of XXXX XXXX, XXXX XXXX. It wiped my account out and left me XXXX cents. BB & T will not own up to this, they are NOT protecting me, despite showing them proof that I never gave this man permission to help himself to my bank account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 251XX
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Good morning I was a sun trust customer for 10 years I was victim of fraud and stolen identity the bank decided to close my account and I had XXXX dollars on my savings I went to the branch and they told me they wont give to me my son needs a XXXX and I cant get my money back I think this is not legal they also kept XXXX from my checking please advise Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2020-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-03-04
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: A checking account was opened online by an identity thief despite having frozen my account with credit agencies. When I called SunTrust, I was told they could not speak with me over the telephone. I needed to present myself to branch. Went to branch. Was assured by representative there that the account would be closed promptly, and they placed an additional password that was to be required for all transactions. Received blank checks 3 days later for the " closed '' account. When I called next day, was not able to speak to fraud department, was placed on hold for more than 10 minutes, and was told that account would be closed sometime ( no estimate given ). And no password was requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20852
Submitted Via: Web
Date Sent: 2020-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A