| 11/04/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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We had several fraud claims filed starting XX/XX/XXXX to XX/XX/XXXX most of them have been settled except the original fraud claim number XXXX in the amount of {$1600.00} plus overdraft fees in the amount of {$37.00} for a total of {$1700.00} SEE THE 9 ATTACHED PAGES WITH THE TIME LINE AND DESCRIPTION SUMMARY. Hopefully This summary will give you a more detail description of the situation since this complaint is not a single incident but several.
We contacted Sun Trust Bank on XX/XX/XXXX immediately after we noticed suspicious deposits made in our account to ask to freeze, block, close our accounts to prevent fraud from happening and also to unlink the checking and saving account to prevent overdraft transactions form taking place. We also called Sun Trust while unauthorized transactions were taking place asking Sun Trust to put STOP PAYMMENTS in place, freeze, block, close our accounts, and Sun Trust said that wasnt possible ( yet weeks later they started setting stop payments to some unauthorized transactions ) we feel Sun Trust failed to protect our account and they didnt take the time to understand we could not attend to a branch in person to verify our identity since we moved to XXXX and Sun Trust Bank does not have any locations in XXXX allowing more time to pass and more unauthorized transactions to post. There was a lot of confusion on various calls we made within the representatives some had little to no idea of the previous conversation we held with Sun Trust, they couldnt locate the notes or steps taken in previous conversations. We followed step by step all the procedures we were asked to follow in order to recuperate our money back and yet claim number XXXX was denied. When fraud was taking place in our checking account from XX/XX/XXXX to XX/XX/XXXX, I was attending work in XXXX XXXX six days out of the week. I work in XXXX XXXX as a XXXX XXXX and my husband was taking care of his XXXX XXXX business in XXXX XXXX, XXXX XXXX for the holiday season, in fact he was there from XX/XX/XXXX to XX/XX/XXXX so we couldnt had made the disputed charges.
On XX/XX/XXXX My husband received a call from XXXX a Sun Trust representative her phone number is XXXX extension XXXX she asked which was our last legitimate transaction ; last transaction we made was on XX/XX/XXXX for a withdrawal made in XXXX XXXX, NV in the amount of {$200.00} plus a {$7.00} convenience fee for a total shown on the bank statement of {$200.00}. He recalls, XXXX also mentioned that after doing some investigation they could see the transactions were fraud and were made using a debit card to which he mentioned that it was not possible because he had the actual card with him. Whoever committed this transaction must had used a counterfeited debit card or some other method. We obtained a sales receipt from The XXXX XXXX XXXX showings a XXXX name on it for a purchased made with our card information. XXXX let my husband know she was going to email a rebuttal form, we needed to filled it out, sign and fax them back in order to recover the funds ; these forms were filled out and faxed back along affidavit of fraud and a fraud charge list on XX/XX/XXXX by my husband.
We did not committed fraud, did not make nor authorized any transactions or allowed anyone to use or clone our debit cards. We really think that we are in this situation because of a security data breech Sun Trust was a victim of in XX/XX/XXXX in which the information of 1.5 million of customers was compromised and/or stolen. We dont think it is right for Sun Trust to deny our claim and feel so disappointed and powerless, yet hopeful that whoever receives this information in Sun Trust Bank really goes a step further and gets to the bottom of this case and approve a full refund in the amount we are owed of {$1700.00}. Our debit cards have a MasterCard logo on it and it is our understanding both companies have a policy that costumers are not responsible for fraud or unauthorized transactions.
XX/XX/XXXX open claim number XXXX over the phone. This claim was denied over an email received on XX/XX/XXXX XX/XX/XXXX received a call from Sun trust representative XXXX. she was going to mail some form that we needed to submit.
XX/XX/XXXX we received a fraud charge list and an affidavit of fraud which XX/XX/XXXX we faxed back a fraud charge list and an affidavit of fraud to XXXX XX/XX/XXXX received an email containing a Rebuttal Form XX/XX/XXXX filled out rebuttal form and faxed to XXXX along a fraud charge list and an affidavit of fraud XX/XX/XXXX received an email stating that the rebuttal form failed to offer any additional details that would overturn the original decision rendered on our case. The only thing XXXX mentioned to include was our last legit transaction ; which we did include.
XX/XX/XXXX contacted Sun Trust to ask which details they needed us to provide and they couldn't specify what information they wanted from us. We also requested a copy of all documents used in decisioning our claim XX/XX/XXXX contacted Sun Trust to follow up on documents requested, they said there were no records of such request and submitted a second request.
XX/XX/XXXX followed up on the second request to obtain documents, once again Sun Representative stated there were no records, call was escalated to a supervisor and the request was submitted again for a third time.
XX/XX/XXXX received an email stating that we had requested the documents and that such documents were enclosed. the only document enclosed was a copy of letter they had email us on XX/XX/XXXX.
XX/XX/XXXX contacted Sun Trust again and we were told the case had been closed and that there was nothing else to be done.
Hi, I XXXX and husband XXXX opened a Joint checking and a savings account in XXXX XXXX in XXXX with Sun Trust Bank.
XX/XX/XXXX My husband called Sun Trust when we noticed suspicious activity posted on our checking account. We noticed two credits posted on our checking account # ending on XXXX on XX/XX/XXXX one credit in the amount of {$.00} cents and a second credit for {$.00} cents from XXXX The same day a debit in the amount of {$.00} cents was posted also from XXXX I knew my husband or I had never done business with XXXX using our Sun Trust Bank accounts so my husband contacted Sun Trust to express our concern of our account being compromised. My husband asked if there was a way to freeze or close the accounts, shut down the debit cards or other ways to protect our money and bank accounts. At this point they said, they were going to look into the matter and that they were going to open a claim ( Claim number XXXX ). They also advised us to stop by a branch to verify our identity. I informed them that stopping in person by a branch was not an option since my husband and I had moved to XXXX and that Sun Trust didnt have any locations in XXXX. They also said, that they couldnt freeze the account and that we were responsible of any charges on the account.
XX/XX/XXXX a debit from XXXX in the amount of {$5.00} had posted, my husband contacted Sun Trust and let them know that it was not a legitimate debit and we wanted to opened a claim. We were given provisional credit for {$5.00} on XX/XX/XXXX. My husband also asked to escalate the call to a supervisor hoping that the supervisor could help us to protect the accounts and stop all payments, freeze or close the accounts, he was told, that they were not going to be able to stop any payments coming to the account. Again, we were told to stop in person in a branch. My husband explained once again that we no longer lived in XXXX and that there were no branches in XXXX, that we needed to conduct business by phone, online or another way but one thing was clear that we needed help protecting our money. My husband tried to pursue our ways to keep us from losing more money since we felt we were on our own and that we could not count with Sun Trust to protect our money. We came up with the idea to ask Sun Trust for help wiring the money to another account under my husband name in another bank institution, he was told, they could not authorize the wire over the phone. My husband again asked them to set stop payments, to freeze, close the accounts, or to give us other options, the response from Sun Trust was, they could not help us over the phone and did nothing. My husband mentioned to them that he couldnt understand how our other bank institutions would block the accounts right away after they notice suspicious activity in the accounts and that Sun Trust wasnt doing anything about it even though we were calling to inform them of what was happening. He tried to reason with them telling them that if we were trying to commit fraud ourselves why would we be calling Sun Trust to ask to freeze or close the accounts, that It didnt make sense.
We were concerned about our savings account being linked to the checking account as overdraft protection and since Sun Trust Bank would not freeze, block close the account or do anything to protect our money from our checking account or stop any unauthorize transactions. My husband asked Sun Trust to unlink the saving from the checking to prevent funds being transfer to our checking account and protect our savings. Again, the response from Sun Trust bank representative was, that they could not unlink the accounts. At this point we are afraid, feeling powerless and in disbelieve that Sun Trust would not help us at all and fearing that all of our money could be at risk and we could be a victim of fraud and Sun Trust Bank was not willing to protect the accounts and/or our money.
On early conversations we held with Sun Trust there were many misunderstandings and confusion because every time we would be talking to a new representative and explaining the situation over and over again sometimes they couldnt find the notes that the previous representative had taken, and according to some representatives, sometimes there were no notes made we also feel Sun Trust representatives did not take the time to understand our situation of us not being able to attend in person to a branch since we live in the XXXX and there are no Sun Trust locations in XXXX this allowed more time for the fraud to escalate. We continue to monitored both accounts constantly for the next couple of weeks and we did not notice any unusual activity and thought Sun Trust had upped the security levels in our account and that our accounts were protected once again.
XX/XX/XXXX, unfortunately what we feared and tried to prevent became reality starting XX/XX/XXXX. My husband noticed unauthorized transactions on our checking account and called Sun Trust Bank right away to notify them that there were unauthorized transactions on our checking account and wanted to freeze, block or close the account and also wanted to dispute all transactions on the account beginning on XX/XX/XXXX ( case number XXXX in the amount of {$1600.00} opened over the phone ). Again, Sun Trust said, they could not help us over the phone and to visit a Sun Trust branch, my husband told them we did not live in XXXX anymore and needed help to resolve this matter in another way without us being there in person. He even asked them if we could give a notarized affidavit to a friend or family member so they could go to a Sun Trust Bank in our behalf. He explained to them how could it be possible that Sun Trust could not even help us to freeze or close the account to protect our money and the response was the same, that they can not help us over the phone. We were frustrated and told them how disappointed we were in Sun Trust, we expressed to them our past experiences with XXXX XXXX and XXXX XXXX XXXX these two bank institutions would freeze or block the accounts as soon as they detected suspicious activity and even went a step further and would contact us to verify each transaction. We couldnt believe Sun Trust would not protect our accounts even though we were calling them to report the fraudulent transactions once again and prevent more transactions from taking place.
More transactions continue to appear and the balance on the checking account started to run low and since the savings account was linked to the checking it was going to start to provide overdraft protection and we feared of losing all of our savings as well. We called again and asked to unlink the accounts before any funds from the savings were withdrawn as overdraft transfers and prevent losing more money. That fear became a reality as more transactions continue to post overdrawing the checking account at which point the money from the savings account started to provide overdraft protection to the checking account in the following amounts : XX/XX/XXXX overdraft transferred in the amount of {$400.00}, XX/XX/XXXX overdraft in the amount of {$140.00} and a final overdraft transfer on XX/XX/XXXX in the amount {$37.00} in a total of {$580.00} in overdraft transfers. Each overdraft transfers also triggered a fee of {$12.00} per transfer made adding up to a total of {$37.00}. We were able to unlink the accounts on our own after we did some research and were able to unlink our saving from our checking account using online banking on XX/XX/XXXX since Sun Trust let us know the bank could not unlink the account. Unfortunately, it took a few days for the change to go into effect allowing a couple more overdraft transfers to take place.
XX/XX/XXXX. My husband called the fraud department at XXXX to open a dispute for fraud charges made now to the savings account ending on XXXX in the amount of {$5700.00} CASE NUMBER XXXX for the following charges : XX/XX/XXXX {$4.00} XXXX, XX/XX/XXXX XXXX XXXX bill pay {$2600.00}, XX/XX/XXXX XXXX online payment {$3100.00}. This time Sun Trust Bank put a stop payment on all three transaction ( see documents attached ) we were happy to noticed how Sun Trust was finally catching up, understanding the situation and finally doing something about it. We were relief and wished Sun Trust would had taken the same steps since the beginning and had set those stops payments in our checking account as well. How is it possible they were able to take this step now, but they refused to set stop payments since the beginning in our checking account when we requested it a few times.
On this day my husband also contacted Customer Care Department to dispute the overdraft fees, they said they could not help him and asked him to contact Account Security Department at XXXX to help us make sure the overdraft protection from the savings to checking had kicked in and/or to help us unlink the accounts and ask how we could recover the overdraft protections fees. This time they were going to make sure what we have done to unlink the accounts using online banking had taken place and if for whatever reason the accounts were still link, they were going to unlink them themselves. We were happy to hear that and started to feel like Sun Trust was finally stepping up and started to do the right thing and help us, we started to regain a sense of trust worthiness in our bank institution once again and trusted they would recover our money and credit it back to us.
XX/XX/XXXX, we received an email regarding case XXXX for fraud in our savings account XXXX. This email contained three written statements of unauthorized debit forms, in the amount of {$5700.00} CASE NUMBER XXXX for the following charges : First on XX/XX/XXXX from XXXX in the amount of {$4.00}, Second on XXXX/XXXX/XXXX from XXXX XXXX bill pay in the amount of {$2600.00}, third on XX/XX/XXXX from XXXX online payment in the amount of {$3100.00}.
XX/XX/XXXX My husband received a call from XXXX a Sun Trust representative her line number is XXXX extension XXXX regarding case number XXXX in the amount of {$1600.00} from our checking account. In this call they talked about how Sun Trust had denied the original case that was opened over the phone. They discussed which was the last legitimate transaction we had made to which he let her know it was in XX/XX/XXXX for a withdrawal made in XXXX XXXX, NV in the amount of {$200.00} plus a {$7.00} convenience fee for a total shown on the bank statement of {$200.00}. She also mentioned that after doing some investigation they could see the transactions were fraud made using a debit card to which he mentioned that that was not possible because we had the actual card with. We are no experts but thats what the people that committed fraud does to make it look that way, or someone could have clone our card, etcetera there could be many scenarios, but for sure we did not make nor authorized any transactions or allowed anyone to use or clone our debit cards. Hackers hack accounts and still all the information they needed to commit fraud in many ways that we are not even aware of. This conversation made us recall a big breech Sun Trust was a victim of in XX/XX/XXXX about 6 months before we had this happened in our account. We believe we are victims of the security breech That Sun Trust went through in which an actual Sun Trust Bank employee committed this breech successfully stealing information of 1.5 million customers. XXXX let my husband know she was going to email a rebuttal form, we needed to filled them out, sign and fax them back in order to recover the funds ; these forms were filled out and faxed back along affidavit of fraud and a fraud charge list on XX/XX/XXXX by my husband. Please see documents attached.
XX/XX/XXXX, we received an email from Sun Trust denying case # XXXX in the amount of {$1600.00} for fraudulent transactions posted on our checking account from XX/XX/XXXX to XX/XX/XXXX due to an action taken by SunTrust and that we would assume full responsibility for the debits and associated fees. To which we think it is outrageous since we did not make those transactions nor authorized them. Please see letter attached dated XX/XX/XXXX. Our debit card has a Mastercard logo on it and is our understanding Sun Trust as well as MasterCard have a policy that costumers are not responsible for fraud or unauthorized transactions. see letter is attached. We also didnt give much importance to the letter since we had just talk to XXXX the day before and we new a new action was taken and we had to wait for the rebuttal form and faxed it back.
XX/XX/XXXX we were given a provisional credit in the amount of {$5700.00} from claim number XXXX XX/XX/XXXX, we called to inform Sun Trust of yet another unauthorized transaction in the amount of {$980.00} case number XXXX XX/XX/XXXX, received an email containing the written statement of unauthorized debit form in the amount of {$980.00} posted on XX/XX/XXXX case number XXXX.
XX/XX/XXXX, we received a new email with the same forms we had received on XX/XX/XXXX for case number XXXX. My husband filled out and faxed the forms back on XX/XX/XXXX to XXXX XXXX XX/XX/XXXX. My husband called the fraud department at XXXX to let them know there were two suspicious credits in our savings account. On XX/XX/XXXX Credit from U.S Bank for $ .XXXXcents, on XX/XX/XXXX XXXX XXXX credit for {$.00} cents and a Debit in the amount of {$.00} cents from XXXX XXXX on XX/XX/XXXX. The representative opened a new claim in the amount {$.00} cents for such transactions.
XX/XX/XXXX, He also reported two pending transactions that were made in the amounts of {$200.00} and {$250.00}. The Representative stated, that there was not going to be a case number because the system was down at the moment, but that we would receive the documents for these cases over the mail that we needed to filled them out and mail them back to them. The Representative also mentioned, he was going to enter the information into the system when the system was back up and running. That he was also placing a stop payment on those transaction and that we would receive confirmation over the mail.
The representative also mentioned, he was going to contact the Internal Department on our behalf ( since he was not authorized to provide their direct phone number ) so they could freeze our accounts we were unable to go into a branch in person and also was going to ask them to set a NO DEBIT STATUS on the account so no new transactions would post on the accounts either by us or anyone else till the cases and investigations were completed. My husband mentioned to him how we just wish they would had taken such steps since we contacted them before the fraud had taken place on the checking and savings account, that we didnt understand how it was possible that we were told, they could not do anything to protect the accounts and set the NO DEBIT STATUS back then ; we contacted them before the transactions posted, and also while the fraud charges were occurring on our checking account and before they were able to make any overdraft transfers and also before fraud in the savings account started to occur in order to prevent all of this from happening.
XX/XX/XXXX, my husband contacted Sun Trust to follow up on the claim he made over the phone the day before and also to double check and make sure the NO DEBIT STATUS was in place. The representative mentioned, the charges made on XX/XX/XXXX in the amounts of {$200.00} and {$250.00} had fallen out and that they were not going to show on the statement since they were not paid. On the same phone call, they confirmed the the no debit status had been placed.
XX/XX/XXXX We re-open case # XXXX Sun Trust email us a fraud charge list form and an affidavit of fraud ; my husband XXXX XXXX filled out the affidavit of Fraud, Fraud charge List and faxed them back to Sun Trust for claim number XXXX in the amount of {$1600.00} from our checking account Please see attached forms that were faxed to Sun Trust.
XX/XX/XXXX, opened a new claim in our savings account in the amount of {$4500.00} ( claim number XXXX XXXX XX/XX/XXXX my husband faxed a filled out written statement of unauthorized debit form that was email to us for case number XXXX. We received a full credit back into our account on XX/XX/XXXX as stated on a letter we received on XX/XX/XXXX from Sun Trust.
XX/XX/XXXX, XXXX XXXX XXXX opened a new claim on our savings account in the same amount as before for {$4500.00} ( claim number XXXX ) this claim was denied on XX/XX/XXXX because it was considered a duplicate of case XXXX. However, we could see online therefore two different withdrawals made for {$4500.00} and we made both claims because there were to separate transactions at the time the claims were made. What happened was that there was the first withdrawal of {$4500.00} and when we contacted Sun Trust and opened case number XXXX, Sun Trust refunded the money or gave us temporary credit for the whole {$4500.00} then a second withdrawal or another attempt to withdraw {$4500.00} was made and thats when we contacted Sun Trust again and open the new claim for the same amount of {$4500.00} case number XXXX. Sun Trust had credited us both claims in the amount of {$4500.00} each but adjustments were made in the account and the extra {$4500.00} were taken back by the bank on XX/XX/XXXX.
XX/XX/XXXX, we filed a new claim in the amount of {$980.00} for a charge made in the savings account. Case number XXXX Sun Trust put a Stop Payment ( see documents attached and payment was never made we received a full refund ) I mentioned to them that my understanding was that the account had a NO DEBIT STATUS in placed so no transactions were going to post in the account whether they were made by us or anybody else. how was possible that this transactions were taking place if the account had A NO DEBUT STATUS in place?
I was told by the Fraud Support Unit that I needed to contact the CARE DEPARTMENT at XXXX to close or freeze the account, which it was exactly what we had asked them to do numerous times before. My husband contacted CARE DEPARTMENT and they transferred him to ACCOUNT SECURITY & CLAIM at XXXX he was on this phone call for about 178 minutes ( close to 3 hours ). He was given the following phone numbers SALES DEPARTMENT ( to open a new account ) they mentioned, we needed to open new accounts so they could deposit the credits from the previous claims and any money left on the savings account before they could close the savings account. XXXX, to close the accounts to contact CONSUMER CARE at XXXX and to follow up on case number XXXX and new case number XXXX to dial XXXX.
XX/XX/XXXX, we received an email from Sun Trust containing a rebuttal form for claim number XXXX in the amount of {$1600.00} we were advised to mention on the rebuttal form which was our last legitimate transaction and to fax it to XXXX we faxed it back along the affidavit of fraud and fraud charge list forms to Sun Trust on XX/XX/XXXX XX/XX/XXXX, My Husband called to get help opening a new account. He was told they couldnt open an account for us at this point. They said for us to contact the Fraud Department to make notes on our current account before we would be eligible to open a new account with sun Trust. They transferred him to SECURITY DEPARTMENT to have it done ; however, the phone call dropped while holding to be transferred. My husband was given the contact information for a representative by the name of XXXX at XXXX at the sales department with extension XXXX to get help opening a new account.
XX/XX/XXXX, we also received a call from the Fraud Department letting us know we had a credit of {$6100.00} as of XX/XX/XXXX in the savings account. This balance of {$6100.00} includes the funds from claim number XXXX in the amount of {$5700.00} and any money that was left on the original saving account.
We were expecting to have a total of {$6700.00} credited back to us in our account since that was the balance we had as of XX/XX/XXXX before any fraud occurred. They mentioned that there had been 3 overdraft transfers made to our checking account in the amount of {$580.00} that this amount should account for the difference. But is not the case based on the following math : balance in saving account as of XX/XX/XXXX before fraud took place {$6700.00} minus refund given to us in the amount $ XXXX {$580.00} that leave our savings account with a deficit of - {$5.00}.
XX/XX/XXXX My husband faxed a rebuttal form dated XX/XX/XXXX for case number case # XXXX in the amount of {$1600.00} for fraudulent transactions posted on our checking account from XX/XX/XXXX to XX/XX/XXXX in which he states we wanted a full credit on our checking account for {$1100.00} which is the amount we had in our checking account as of XX/XX/XXXX before the fraud took place. My husband also stated we expected a full refund of {$6700.00} credited back in our new savings account since that was the balance as of XX/XX/XXXX before any fraud occurred. This was the first and only time we submitted the rebuttal form after we had our conversation with Sun Trust representative by name XXXX at XXXX extension XXXX on XX/XX/XXXX in our conversation, she mentioned that we should state which was our last transaction and on which amount and thats what we did. See documents attached.
XX/XX/XXXX, Rebuttal form was received and updated in their system they said it could take up to 45 days for a final decision. I was advised to contact the SALES CONSUMER DEPARTMENT to open a new account. Customer Care Department at XXXX Opt XXXX. XXXX XXXX or XXXX ( dont know the right spelling ) ext XXXX XX/XX/XXXX, I received an email from Sun Trust in reference to case number XXXX from fraud in our savings account in the amount of {$980.00}. The letter stated that after investigating the claim they concluded the initial amount of {$980.00} never posted and that they removed the initial incident from the case.
XX/XX/XXXX, new accounts were created checking essential account # XXXX we founded the account with {$500.00} using my husband XXXX XXXX Account. New essential savings account # XXXX Sun Trust transferred the funds from the old savings account # XXXX into the new savings account in the amount of {$6100.00}. Also, we agreed to closed the old savings Account completely. It took 3 months to close the account.
XX/XX/XXXX, my husband contacted Sun Trust to follow up on case # XXXX after we had received an email dated XX/XX/XXXX stating the claim was denied based on the fact that the rebuttal letter we had Submitted failed to offer any additional details that would overturn the original decision render in our case. My husband asked the representative to help him understand which additional information they wanted from us, to tell him over the phone or email which documents or information they expected us to provide them with to which they said, they couldnt tell us or provide us with any links online that would help us understand or state which information or documents we were supposed to include along the rebuttal form. My husband asked the representative to put himself in our place and see how difficult would be for us to provide them with something we had no idea what it was they wanted from us.
We were so disappointed that we had waited 45 days trusting Sun Trust would do right by us and for Sun Trust to conduct an appropriate investigation, gathering signed sale receipts, ask for surveillance video or photos from businesses and/or ATM machines were the fraud charges were made, etcetera. We expected for Sun Trust to have evidence and prove who and/or how the fraud was done and where and how it had taken place, especially since they had already mentioned over the phone in earlier conversations they could see the transactions were fraudulent and all we needed to do was to submit the rebuttal form. At this point we were furious and opted to request a copy of all documents that were used in decisioning our claim as it was stated on the letter, we received from Sun Trust ( see letter attached ) dated XX/XX/XXXX they said, they were supposed to mail those documents to us. My husband also mentioned to them that he didnt think Sun Trust had done right by us and that we felt victimized by Sun Trust and that we had been forced to look for additional help to settle this fraud case because it was not okay for them to deny our claim and also we couldnt give up on the money we were losing because of their refusal and incompetence to freeze, block or close the accounts and/or to set stop payments. We are owed {$1600.00} from claim number XXXX plus the overdraft fees they had incurred ; each overdraft fee cost us {$12.00}, x times 3 overdrafts = equals {$37.00} for a total of {$1700.00} Since we mentioned to them we had been forced to seek additional help Sun Trust has Shut down to provide us with any information and has denied the chance to re-opened the case once again to provide them with the additional details, they want from us once they clarify which details or information, they expect from us. We really have no idea as of what to do and what is they want us to provide them with, is not our area of expertise. They have a whole fraud department and have dedicated years and millions to become experts in the financial and fraud industry. We really think that we are in this situation because the security data breech Sun Trust was a victim of in XX/XX/XXXX i
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| 09/23/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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On XX/XX/2019 SunTrust informed CFPB for I to fill out the Hold Harmless letter and email the scan copy to XXXX.
On XX/XX/2019 The Hold Harmless department refused to accept the Hold Harmless letter from me because I am not from the bank. I responded with the copy and paste from SunTrust CFPB response. The Hold Harmless department responded for me to contact the individual from SunTrust, and to have it notarized. The representative from SunTrust informed me to contact the Hold Harmless department. Please this run around is not fair and false from what was told to CFPB and I need my money back.
XX/XX/2019 XXXX XXXX ( XXXX ) XXXX Company 's Response We have received and reviewed your correspondences forwarded to us from the CFPB regarding a {$1600.00} wire transferred into a SunTrust account. I am sorry to learn that you were the victim of an apparent scam and understand how a situation like this can be frustrating. I appreciate the opportunity to respond. Our review of the facts related to this matter indicates that on XX/XX/2019, the funds were properly credited to the SunTrust Bank account according to the wire instructions we received from XXXX XXXX XXXX XXXX, XXXX. Typically when non-clients contact us about fraudulent activity involving accounts at SunTrust, we direct those individuals to contact their bank to file fraud claims for the transactions they question. It would be up to that bank to initiate any claim on their clients behalf and submit it via email to XXXX ; the matter would then be handled between the two banks. The claims are investigated by our Fraud Division, and we will contact the banks that submitted the claims with our findings. For this reason, individuals will need to contact their banks directly regarding their claims. We do, of course, cooperate with any law enforcement investigations concerning fraud claims. SunTrust acts in accordance with all State and Federal laws and regulations and denies the allegations of wrongdoing. We have no record of receiving a Hold Harmless claim regarding this matter from XXXX XXXX XXXX XXXX, XXXX. Because you have stated that they refuse to submit a Hold Harmless claim on your behalf, I am enclosing the required form so that you may complete the form and return it to the email address noted above. Ms. XXXX, I understand this is not the resolution you are seeking from SunTrust, and I do hope that law enforcement is able to resolve this for you. If you have additional questions, please contact your financial institution for further assistance.
XXXX case number Case # XXXX Parties Involved : XXXX XXXX XXXX XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Resident Agent XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD XXXX SunTrust phone # XXXX ( XXXX ) XXXX SunTrust Banks Headquarters XXXX XXXX XXXX , XXXX XXXX , Georgia XXXX XXXX Wire Department XXXX ( XXXX ) XXXX XXXX Fraud Department XXXX ( XXXX ) XXXX XXXX Headquarters XXXX XXXX XXXX XXXX XXXX , NY XXXX Chain of Events : XX/XX/2019 my daughter XXXX XXXX began communications with XXXX XXXX XXXX on XXXX . XXXX XXXX XXXX had an ad on XXXX for an apartment. The rental was for {$850.00} a month on XXXX XXXX XXXX, XXXX, CA. XXXX lives at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. XXXX was looking for a rental in XXXX XXXX, because she is attending XXXX XXXX XXXX. XXXX XXXX XXXX gave XXXX XXXX ( XXXX ) XXXX as Janets number to call and text. XXXX sent a XXXX message a certificate of ownership for the apartment complex XXXX XXXX XXXX, XXXX, CA, and that XXXX XXXX XXXX was the owner of the complex. This was proof for XXXX that this rental was not a scam.
XX/XX/2019 XXXX told XXXX inorder to move into the apartment on XX/XX/2019 she had to wire XXXX {$1700.00} to for the apartment deposit SUNTRUST ACCOUNT INFO ACCOUNT NAME : XXXX XXXX BANK ADDRESS:XXXX XXXX XXXX, XXXX , MD XXXX ACCOUNT NUMBER : XXXX ROUTING NUMBER : XXXX SWIFT CODE : XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX.
I wire {$1600.00} minus the wire fee of the {$1700.00} to the above account to hold the apartment in XXXX XXXX on XX/XX/2019, because my daughter told me that the rental was checked out by her. I wired the monies to the above account for the apartment. I text XXXX a copy of the bank wire receipts. I text XXXX XXXX XXXX asking for a copy of the receipt. XXXX told my daughter she will send the receipt for the bank wire on XX/XX/2019.
On XX/XX/2019 XXXX said she still havent received the monies from the wire transfer but she could move in on XX/XX/2019 at XXXX. XXXX said she was at work and couldnt meet us until after work at XXXX.
On XX/XX/2019 at XXXX we went to XXXX XXXX XXXX, XXXX, CA. There was no one there to provide keys to the apartment. XXXX did not answer the phone and did I learn when we arrived to the location, that the apartments were managed by XXXX XXXX XXXX ( XXXX ) XXXX. XXXX XXXX XXXX representative informed us that XXXX XXXX XXXX is not the owner. The XXXX XXXX is not associate with XXXX XXXX XXXX. At XXXX we went to the XXXX police station and filed a police report. Office XXXX badge # XXXX ( XXXX ) XXXX report # XXXX. XXXX XXXX Police Department Police Headquarters, Report Management Section, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA XXXX. After, I learned that I was scammed by XXXX XXXX XXXX and XXXX XXXX. I contact XXXX their fraud department, and the department was closed.I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I informed SunTrust of the fraudulent transaction, the representative said she will email the wire department, but I must contact my bank to start the wire recall.
On XX/XX/2019 XXXX said she forgot her phone in the car and will meet us tomorrow. Again no show and no call. I have repeatedly requested for the monies to be returned to us. XXXX claims she never got the money. I contacted XXXX fraud department and they referred me to call the wire department. There was nothing that the fraud department could do to help me but freeze my accounts. The XXXX wire department was closed till Monday. The wire department business hours are Monday to Friday from XXXX to XXXX. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I told a representative at SunTrust I had a police report number, the representative said they can only accept it from the police department and/or XXXX.
XX/XX/2019 I research XXXX XXXX XXXX XXXX account. I notice she didnt have any friends on her XXXX. However, XXXX XXXX XXXX profile picture was liked by 3 people who are located in XXXX. Those individuals XXXX XXXX, XXXX, and XXXX XXXX are living in XXXX. I believe they are involved with the rental scam. I researched XXXX XXXX their agent for service is also XXXX, whom is living in Maryland. The agent for service for XXXX XXXX is XXXX XXXX located XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX XXXX is still active. I have XXXX pictures, names and profiles of all parties involved. I have the Maryland Tax ID for XXXX XXXX. I learn that SunTrust doesnt have a bank in XXXX. My research on rental scams work by having individuals in the US pick up the money, keep a percentage and wire the rest to XXXX. I contacted the wire department XXXX ( XXXX ) XXXX. The representative from the wire department informed me, that in 24 to 48 hrs they would process the bank wire recall. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. SunTrust representative said they will need a Hold Harmless letter from XXXX.
XX/XX/2019 I contacted the wire department and there was no update. I informed the XXXX Wire department that SunTrust is going to request a Hold Harmless Letter. The representative informed me not to worry they will take care of it, they know what they are doing and its still being processed. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}.
XX/XX/2019 I contacted the XXXX wire department. A representative told me, Im ma'am but the bank recall was denied by the other bank. There is nothing we can do. I ask to speak to a manager. After 30 minutes of being on hold, I was transferred to manager XXXX. XXXX said he will escalate the case their investigators because SunTrust is requesting a Hold Harmless letter. XXXX said, It doesnt seem like they want to return the money. I informed XXXX that the account was still open and the funds are in the account. XXXX said an investigator will call me within 24 to 48hrs. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}.
XX/XX/2019 I called XXXX wire department to inform them that I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}. I offered the police report number to SunTrust, but they refused. No update from XXXX wire department on when the investigator will call me. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}.
XX/XX/2019 XXXX claims she is not giving me back my money because I contacted her bank ( SunTrust ). She reports that SunTrust closed their accounts. I reported the incident to the FBI.
I had a missed call at XXXX, ( which is outside normal business hours ). I called back the number, which was the same as the XXXX wire department. I called back XXXX wire department. The representative said that was nothing he can do to help me connect with the investigator that tried to call me. I requested to be transferred to XXXX. XXXX said he will email them about calling me back within normal business hours. XXXX said he will email SunTrust to inform them that a Hold Harmless letter is being processed. XXXX said he would call me back with an update. XXXX did not call back. When I called back at XXXX, I was on hold for 45 minutes and then disconnected. I was hung up on many times by representatives, when I was calling the XXXX wire department to follow up with the investigators. I talked to SunTrust the account for XXXX XXXX is still active and funds are available for the amount of {$1600.00}.
XX/XX/2019-XX/XX/2019 XXXX XXXX weekend all offices were closed.
XX/XX/2019 I had to call the wire department 20 times. Finally, I was transferred to XXXX, he said the investigators will not be calling me back. I need to print out everything I had and take it to my local bank and they can fax or email them the information. I went to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX. I handed over everything I had printed out of screenshots from emails, XXXX messages, copy of the lease agreement, text messages and police report number to XXXX XXXX ( Branch Manager Vice President ). XXXX said, he doesnt have any communication with the wire department or their emails. I gave him the wire department phone number and case number. He said he was really busy and will do it when he can. I return XXXX hours later, XXXX said, he called and talked to the XXXX wire department and sent an internal tol the wire department. XXXX said there is nothing he can do, that I will have to contact the wire department.
XX/XX/2019 I contacted XXXX wire department I was hung up on by an employee name XXXX in the wire department and refused to transfer me to XXXX. XXXX yelled and argued with me because I did not know the exact amounts in my bank accounts, and account number. He refused to look up my account by my social security number, address and case number. I learned from another representative that XXXX never sent the email to SunTrust bank letting them know that XXXX was working on this account. When I finally talked to XXXX, he informed me that he has received my documents. For me to go to my local banker for more information.
XX/XX/2019 I called XXXX Wire Department for 3 hours. XXXX kept refusing to talk to me. I was told by a wire representative to go to my local bank they have the answers for me. XXXX said that he doesnt have any information for me, and I had to call the wire department. After four more hours of calling the XXXX wire department, I finally talked to XXXX. XXXX said my Hold Harmless letter request was denied. I ask why, he refused to give me a reason. I call SunTrust in tears. I was transferred to SunTrust wire fraud department and talked to XXXX. XXXX took my information, police report number, and ask if I can provide them with records of emails, text messages and police report. I said, Yes, I can! I told XXXX that I had everything except the police report that it takes weeks or days for XXXX police to email me the report, but I had the badge number, phone, and police report number. XXXX said she will send an email to put the Hold Harmless investigations in motion. XXXX said for me to call the wire department to do another recall request, and for them to forward the information I sent them. I called XXXX wire department, it took three hours before I could talk to someone without hanging up on me. I informed the XXXX wire representatives about what XXXX from SunTrust told me, and the representatives said repeatedly that the Hold Harmless was denied.. The representatives from XXXX wire department kept hanging up on me and refused to transfer me to the manager. I finally got into contact with XXXX, who I informed what XXXX told me. XXXX said we will do another recall that day. XXXX said, but they dont want to give you back your money thats why they are asking for a Hold Harmless letter. I explained this is their procedure. They need to justify why they are returning the money. XXXX again told me to talk to XXXX. XXXX told me to call the wire department. XXXX called the wire department. XXXX called back and said it looks like SunTrust doesnt want to give you back your money, XXXX told him that they did 3 to 4 wire recalls on this account. I informed everyone the account at SunTrust for XXXX XXXX was still open and the funds are still there.
XX/XX/2019 XXXX called me at XXXX and said he will take my complaints to the executive branch. He said he is trying to help me and doesnt know why the XXXX wire department keeps sending me back to him. He said someone should be calling me by Tuesday. I called XXXX Wire department at XXXX. I was on hold for 30 minutes. I talked to XXXX from the XXXX wire department, I gave him my name and that I wanted an update on my wire recall. He ask me for my account number, I told him I didnt have it. XXXX hung up on me. At XXXX I called the XXXX wire department. XXXX said no bank recall was done, in fact only one recall that was done on this account. The Hold Harmless was denied and the case is closed. I requested to get transfer to XXXX and he said another recall will not be done because they will just ask for another Hold Harmless Letter. XXXX said he sent an email to SunTrust requesting the money to be returned without a Hold Harmless Letter. I talked to SunTrust they informed me that only one bank wire recall was done. When they ask for the Hold Harmless letter, they thought the wire recall was abandoned because XXXX did not respond to their request. Again the representatives from the XXXX wire department lied to me.
XX/XX/2019 at XXXX XXXX from XXXX Executive department called me that they received my my complaint from the FTC . I would get a response in 15 days. I requested that the documents I sent to XXXX to be forwarded to SunTrust. XXXX said she will look into it and let me know if they can send the documents. XXXX did explain that a Hold Harmless letter states SunTrust is not at fault for this transaction, that is why a Hold Harmless Letter is difficult for them to do for me. At XXXX I talked to XXXX from XXXX Wire Department. She said that there was no response from SunTrust regarding XXXX email to them. She said that another wire recall will not be completed because it will cause them to create another case. I called SunTrust wire department and talked to XXXX. She said since Im not a SunTrust client she cant take any information from me.
XX/XX/2019 XXXX I talked to XXXX from XXXX Wire Department. XXXX said that the Hold Harmless letter was denied. ( Which I did not ask about ). XXXX said that the email was sent from XXXX to SunTrust XX/XX/2019 at XXXX. She said that SunTrust replied XX/XX/2019 at XXXX that the request requires a Hold Harmless letter. When I repeated what XXXX said, XXXX began to say she meant regarding the Executive investigation. However, I was very clear about what I was talking about and what email I was referring to in my phone conversation. This is my biggest issue with XXXX is the poor communication. I feel that both of the banks are lying to me and do not care because its not their money. At XXXX I got a call from SunTrust Executive department that they received my complaint from FTC , the individual said XXXX XXXX is assigned to my case. I will get a response in 15 days.
My complaint with SunTrust is their unwillingness to investigate the fraud. Its extremely unethical to allow someone to use SunTrust as a means to commit fraud.
My complaint is that XXXX is not doing to due diligence in helping me. XXXX wire department are not willing to do the Hold Harmless letter because its just too much work for them. They are refusing to send the documents to SunTrust because their intentions are to punish my family and I for being scammed. I feel that if I wasnt a minority I would have been provided with better customer service and a Hold Harmless letter would have been provided. My family life savings are in these accounts that are intended for my daughters college tuition. By losing this money we are distressed and my daughter is becoming XXXX. My daughter is set back in her education because of this. Every penny we need for her college education. XXXX wire department is destroying lives for people of XXXX. Please help me.
Thank you, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX
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| 03/03/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Cashing a check
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Web |
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We have been customers of Suntrust for almost eight years having our mortgage with your bank. Unfortunately, we were one of the cities ( XXXX XXXX, FL ) devastated by hurricane Irma in XX/XX/XXXX and as a result we had extensive damage to our home. Our insurance carrier XXXX XXXX was very responsive in sending an adjuster to our home and in about 3 weeks - a check was sent to us in the amount of. {$35000.00} The check was dated XX/XX/XXXX!! The check was made out to Suntrust Bank, XXXX XXXXXXXX XXXX ( equity loan ) and ourselves. I proceeded to take the check to your location in XXXX XXXX to have it signed and endorsed. It was then that I was told by XXXX XXXX at the Suntrust XXXX XXXX branch that it had to be sent to the Loss Draft department to be endorsed. She sent the check overnight to your XXXX office.
XX/XX/XXXX we received the UNENDORSED check by snail mail saying that it had to be endorsed by XXXX XXXXXXXX XXXX FIRST and all other parties concerned before Suntrust would endorse it! COMPLAINT # 1 Why werent we told this by the XXXX XXXX in XXXX XXXX before we wasted 3 weeks sending the check back and forth? I am sure this was not the first Hurricane insurance check she had handled.
XX/XX/XXXX-We received a letter stating all necessary documents that were needed before we could be issued our money. which included 5 items COMPLAINT # 2 - Why were we not told this when we first brought the check to XXXX XXXX?
So upon receiving this informationI took the check to XXXX XXXXXXXX XXXX. After a few phone calls to their Loss Draft department, the check was properly endorsed without any complication or difficulty. I immediately went back to Suntrust Bank and gave it to XXXX XXXX again she then sent everything again overnight.
XX/XX/XXXX-Concurrently we received a 3rd letter stating that my legal name was not the name on the insurance policy - this has never been a problem with other banks, only Suntrust. So I called my insurance company and they took care of it immediately.
My husband and I expected that we would be getting a endorsed check in a a week or so. Well, we were never so wrong! Suntrust sent it back again stating that the information about the contractor was inconclusive.
We didnt get the check signed by Suntrust in the mail until XX/XX/XXXX almost THREE MONTHS later since we first brought our check to you for endorsement!!!!! This is totally unacceptable! Suntrust is not client friendly- they do not care about customers with regard to the fact that we just had a hurricane and need to get our home repaired as quickly as possible. All they care about is paperwork and red tape to make it as difficult as they can to prevent us from receiving our money so we could repair hurricane damaged our home. I understand that there are procedures to be followed but each step should not take 2 to 3 business days for each step- ( *note timeline below ) COMPLAINT # 3They should have some compassion for those in this situation and make exceptions when our area has been determined to be a disaster area by the governor of Florida! !! .We still have a large tarp over our roof and if it rains we will have more stains on the ceilings and possible leaks! Also, please note that they did NOT send us the full amount of the check- COMPLAINT # 4 they still have {$5100.00} of OUR MONEY that we need to finish the repairs!
We had a trip planned, but had to postpone it because of the delay of Suntrust in the processing of our check. We needed our check to give the contractor the deposit so he would put us on the list and not delay the roof replacement even more. As a result of this we could not leave until we received our Suntrust endorsed check on XX/XX/XXXX!!!!
Now I will proceed to tell you the dates and persons involved in this horrible delay and the circumstances that I feel were not appropriate. First of all, Suntrust has the starting date for getting this check signed at or around XX/XX/XXXX. This is not true as we started this process of getting the check signed in XX/XX/XXXX right after we received the check dated XX/XX/XXXX The documentation requested was sent to Suntrust on XX/XX/XXXX Now the timeline-Sometime after XXXX my husband called to ask about the check as he expected that we should have received it by now-he was told by XXXX XXXX that they were waiting for the XXXX to be sent to Suntrust. My husband called the contractor to ask about it - the contractors secretary told my husband that it was faxed to Suntrust already. Suntrust said they did not have it. COMPLAINT # 5 why didnt someone from The Suntrust Loss-Draft department call to indicate to us that the XXXX was not received if this was what they needed to start their lengthy process. So. the contractor once again sent the XXXX to Suntrust. Again we waited for weeks- no check. Now- at this point I realized that no one at Suntrust was going to show any consideration or concern for us so, I began making phone calls on a daily basis to find out what was the status of our check being endorsed since no one at Suntrust had shown any concern for our situation and never called us back when they said they would or returned any of our calls when we left a message COMPLAINT # 6 ( one exception - XXXX did call back once ) XX/XX/XXXX - I spoke to XXXX XXXX to ask what was the status of our check? some of the information given to me was that the XXXX was not filled out properly- that XXXX the name of the company was on the second line, not the first! Now you know yourself that when you are filling out a paper it is sometimes confusing if they want the name above or below the line indicated. this was corrected and it was faxed again.
XX/XX/XXXXThe XXXX was sent back again a second time because it was not dated someone couldnt put the date on the XXXX COMPLAINT # 7 no one called ME to say there was an error in the XXXX it was only because I called them that I was given the info about this. If I hadnt called them we would probably still be waiting for the check.
XX/XX/XXXX - called and spoke to XXXX - said that all she knew was that the XXXX was inprocessingand it takes 2-3 business days to go through the IRS system XX/XX/XXXX - called again and spoke to XXXX who assured me that she would expedite the process.
XX/XX/XXXX - spoke to XXXX again- she said that in was in process and that she will call back. COMPLAINT # 8 She never called back.
XX/XX/XXXX - I realized that I was getting nowhere with all of this red tape and being totally stressed out at this point I asked for supervisor - spoke to XXXX Now we are told a new reason why the money can not be sent to us.- She said that the contractors company XXXX was not in the system, so Suntrust could not print the check until they were in the system. That would take 2-3 business days. Why didnt they put the contractors name in the system when they first received the XXXX? Everyone is in the same building so WHY does it take 2-3 business days to put someone in the system Sounds like a very inefficient and inadequate process! C0MPLAINT # 9 If they can take money out of my account in seconds, it shouldnt take 2-3 days to put someone in the system I explained that we had a roof that needed repairs, that my elderly husband was so stressed about this that he could not even come to the phone to discuss or to hear all the excuses from anyone he spoke to regarding our check.
XX/XX/XXXX - I called again and spoke to XXXX who had no knowledge or information at all. She told me to look online for myself and see the status of our check.- great customer service - do it yourself! She stated that she would check for me and quickly hung up! She said she would call me back but never did. COMPLAINT # 10 XX/XX/XXXX - spoke to XXXX again - she restated that XXXX was not in the system and so nothing could be done until they were processed. She said that she would text a message to XXXX XXXX the manager for the department to try to expedite the process. I asked her why she couldnt go to his office and tell him - she said that they were not allowed to do that - it had to be a text. COMPLAINT # 11 - What kind of company only allows a text when there is an emergency such as a hurricane?
XX/XX/XXXX -called and spoke to XXXX- he said he would go and try to find XXXX - but he could not find him. He never seems to be at his desk when you need him.He said that everything was in order and approved and it would take 2-3 days for the check to be printed.COMPLAINT # 12 another 2-3 days!!!!!!!
XX/XX/XXXX - spoke to XXXX she said that XXXX XXXX sent me a message about the status of the check - I never received a message. The message was to say the he expedited the process.
XX/XX/XXXX - XXXX answered- walked to XXXX desk- XXXX said XXXX would call me this afternoon - I waited 3 hours - he never called. Complaint # 13 He was not available, but would call today or tomorrow - there was no update on the account other than it was in processing " XX/XX/XXXX I kept calling and finally caught '' XXXX at his desk and spoke to him. He said that he would make sure that the check was printed and sent and that I would receive it before the end of the week. it would take 2-4 days to have it printed and then sent out overnight. Complaint # 14 Each step is a different department. Such red tape, no organization- totally unnecessary. Then he said that the money- had to be sent from another Suntrust restricted escrow account in order for the check to be printed so that was a few more days. He indicated - so I thought _ that the entire amount would be sent to us.- It was not!
When I did not hear from him, I called him 5 times over 2 days - no answer- just his recording. I never heard from XXXX again.COMPLAINT # 15 He obviously did not want to talk with me as he sent others to tell me the status of the check. I think that is because when I spoke to him he did not like what I said to him about the incompetence of his department.
XX/XX/XXXX XXXX emailed XXXX - he confirmed to her that everything was in order and the check would be printed and mailed this week. I called XXXX twice again - left messages, no answer from him. Complaint # 16 XX/XX/XXXX Finally I received a tracking number from speaking with XXXX XXXX the overnight letter took 2 days to get to me, not one.Complaint # 17 They didnt mail the check until XXXX as indicated when I checked the tracking- so it took 2 days.
XX/XX/XXXX After I got the check I called and spoke with XXXX XXXX. I asked her what happened to the remainder of the money issued to us by our insurance company? She indicated that to get the remainder of the money {$5100.00} - we would have to go through all this again - Is she kidding??
We still have things to repair besides the roof of our house. It will cost more than the {$5100.00} that is due to us! We own more than 60 % of the equity in our home. We have every intention of doing all the necessary repairs. We have finally given the deposit to XXXX to repair our roof. Now, because of the delay in giving them the deposit we are on a waiting list. It may be several months before our roof will be repaired. This delay is due to the fact that your personnel did not find it necessary to contact us when necessary documents were not acceptable and of all your steps in the processing of our check and having to go to so many departments each taking 2-3 business days. My husband and I are thoroughly disgusted with this entire situation. It will be four months since we have started this endorsement process. Our insurance company can not understand the delay. They were ready to inspect the roof and the repairs. I had to laugh and tell them that we had not even started yet because of your extensive processing.
Our contractor has done many roof repairs and he said that Suntrust is the only bank that has been almost impossible to deal with when it comes to getting the checks endorsed. Maybe you should consider changing your process. Find out how other banks like XXXX XXXX are assisting and helping those impacted by hurricane Irma rather than making the situation more difficult. than necessary.
Thanks for your consideration and time to hear what we had to say and how we feel about Suntrust and their unacceptable and inadequate assistance during a very stressful and trying time.. We demand and expect the remainder of our check to be sent to us immediately without delay so that we can continue with the repairs of our home. We are not interested in any more delays, processing or excuses! We want action now! I am sure you have heard the saying Enough is Enough!!
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| 11/28/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Hello CFPB, ( the recordings are to large to attach ) in a brief note.. my wife and i were making a XXXX ton of money, i got sick and her fired over a 1.5 year period and paid XXXX per month for one drug. we had 3 cars repo'ed with other banks.
the loan listed below is a XXXX XXXX XXXX ( XXXX ) very rare and it 's my dream car. at the end of last year we used monies from the insurance companies returning money for the meds to catch up the auto loan. last payment we sent them for XXXX ( estimate ) was in the spring, we missed one month and paid them again in XX/XX/XXXX - however, they never credited the account properly. a person named XXXX XXXX called and left a voicemail calling herself a detective ( which is legal ) however when you returned the call back it was very similar to calling the police and a message saying if you have an emergency to call XXXX.
during the call i asked where she was calling from, she said " the XXXX police department '' i asked was the car reported stolen because my state of residence is polk and the XXXX county sheriff department should be involved. she responded i 'm not sure it just was sent to our office. i threaten to XXXX anyone on my property that did not have proper credentials or they could fax the order to us to prove they are really the police.
more of the details are below however we did pay SunTrust over 20k in cash to get the auto loan caught up however we were told the loan was written off and no more interest would be applied as long as we made our normal scheduled monthly payments.
we set aside about 15,000 of funds since i refused to send suntrust any money until they " found '' the missing XXXX. i think it was 2 or 3 weeks ago the wire was returned to my XXXX XXXX XXXX account ....
i did record a few of the conversations with SunTrust, the XXXX XXXX XXXX XXXX etc using the law in Florida that allows me to record if the other party did not agree in cases where i think fraud was in play. lawyers want to charge me 1500 - 5000 to get started ... and i need help i did n't even realize this agency existing until watching the recent cnn news coverage where there are two acting directors and it seems the trump org wants to shut this agency down. please help me before it 's to late i submitted to the FTC, justice department, and fbi to review this for fraud related.
From : XXXX XXXX Sent : Friday, XX/XX/XXXX XXXX XXXX To : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX Subject : Potential Fraud at the Repo Department of Suntrust Bank Hello leaders of Suntrust Bank, After a week of unresolved attempts to identify a solution excluding this type of email from hitting your desk, Im forced to reach out in an effort to understand why it appears that representatives in the Auto Repo department are either committing crimes by either falsely misrepresenting themselves as XXXX police department or involved in a cover-up involving an agent acting on behalf of Suntrust repo department. I also have an issue with a lost wire payment from XX/XX/XXXX and multiple faxed attempts to provide proof of said payment having been worthless. Below I will outline the events and high points of my week. Please also note that as I continue to call Suntrust and the company representing themselves as police Upon asking to record conversations I was told that was against bank policy, however I did record a few conversations that Im will send to you and you can use this email as my admission of guilt in the event you want to press criminal charges against me. Florida statue 934.04 states I cant record if you do not agree and each time I informed the reps I was recording they told me to stop or they would disconnect the call.
Event Time Line : XX/XX/XXXX - paid over 20,000 to get XXXX XXXX from repo status XX/XX/XXXX - last recorded payment to Suntrust XX/XX/XXXX - wire clears my bank account as payment to Suntrust ( {$2500.00} ) with instructions provided by repo department but no record of wire received XX/XX/XXXX @ XXXX XXXX - XXXX receives a call from a detective XXXX XXXX ext XXXX she forwards message to me so I can call as she was not available to talk XX/XX/XXXX @ XXXX XXXX - I call the number, it asks me for an extension, I punch in XXXX as indicated by voicemail, a recording states if you have an emergency please call XXXX. After waiting about 30 seconds and a woman answers the phoneask for my name, I provide it, she says oh so you are a part of this too, I ask whatshe talks about the XXXX XXXX, I tell her it parked in my front yard, she says well Suntrust has been trying to contact me since XX/XX/XXXX to no avail, I explain I was sick, my wife was hospitalized and Im looking at my bank account and we wired {$2500.00} on XX/XX/XXXX, she says Im lying.I ask her, so again where are you calling me fromshe states the XXXX police department, auto theft division I ask why would someone from the XXXX police be calling me about auto theft when Ive never lived in XXXX and havent visited in 20 yearsshe said shes not sure it just came through their division ... she then tells me that she will show up at my house, I politely say maam dont do thatI ask her to provide documentation that shes with the police when she arrives, or via fax/email ... I tell her I have a gate, and XXXX and if she shows up here I will protect my property and family she ask, are you threating me, I say no this is a promise she then hangs up.
XX/XX/XXXX @ XXXX XXXX - I call the XXXX police department at XXXX ask if they had a detective XXXX in auto theft.. they stated no, I asked if they could look up the phone number, person told me they didnt have a way to look up every possible number but that they have no jurisdiction in XXXX county but I need to try the XXXX XXXX police department.
XX/XX/XXXX @ XXXX XXXX - I call the XXXX XXXX police department XXXX and ask if they have a detective XXXX in auto theft, they confirm they do not and they would not call someone in XXXX and this sounds like fraud and as always I need to call my local law enforcement and file a claim and potentially seek an attorney.
XX/XX/XXXX @ XXXX XXXX - My wife calls Suntrust, speaks with XXXX and explains the situation. XXXX tells us a few things : cliff notesthey cant provide us with the name of the agency, its not protocol to request a supervisor call us back, and if we wanted to have any follow-up we had to call in since it wasnt protocol to have a supervisor call us back XX/XX/XXXX 2nd-5th call with XXXX -can I record, no, why not, bank rules I need to record no one will believe this.if you record Ill disconnect we cant provide you info about the agency, but during a later call she provided this : the company is XXXX XXXX XXXX their number is XXXX.
XX/XX/XXXX - 1 5th call with XXXX : we do not have your account, hang up call Suntrust we emailed them and they accepted this account Im not sure why they are telling you that, call back to XXXX When we call XXXX we are told : we do not have any idea why you are calling us and we have never reached out to you and if we did we would not represent ourselves as the police and we are not in Florida we are in XXXXI thought she meant XXXX as you will hear in the records but she meant state after I researched. Call back to Suntrust, XXXX laughs at the issue ( slight chuckle ) places me on hold, transfers me to XXXX againon with XXXX the lady says we dont have it but if we did hypothetically why are you calling againI tell her again, she says she cant find my account, I ask to talk to a rep since she said more than once shes just a secretary or admin to speak with an agentshe states they are busy doing their job. I tell her Suntrust will just call you again, she said fine Ill ignore the calls or send you to voicemail.
XX/XX/XXXX - last 4 hours of my day calling Suntrust, calling XXXX, being told to leave a message for XXXX, or a lady supervisor that someone will call me back in 24-48 hours, calling back getting a new person on the phone, telling same story, requesting they call and listen to the recording, being told by XXXX specifically we are used to stuff like this and handle this all the time, but youre not making your payments, explaining the lost wire, treated like crapplaced another voicemail in supervisors ( woman ) queueetc., etc., etc., XX/XX/XXXX - called talked to different rep, explained my situation asked why I hadnt gotten a call back, was placed on hold and told that she wasnt available but she did get a message to tell me the call has been escalated and XXXX ( XXXX is the CEO of XXXX XXXX XXXX ) will contact me in 24 hoursI ask the rep to try and find a supervisor again, knowing she would say no one was available giving me enough time to conference in XXXX XXXX XXXXwith XXXX and Suntrust on the line I ask XXXX if they ever contacted me, they said no I just keep calling them I then asked Suntrust did you send this account to anyone else, no answer so I said to Suntrustyou told me you sent this account to XXXX XXXX on XX/XX/XXXXand you didnt send the account to anyone else, and XXXX is saying they never contacted me and they have not sent my information to anyone elsemy next statement was someone has to be lying, either XXXX is lying and committing a felony, or Suntrust is committing a felony, or Suntrust is covering up for the company that is committing a felony the lady at XXXX says XXXX has been out of the office and will call back later, Suntrust says there is nothing else they can do.
XX/XX/XXXX - I look up the number to Suntrust fraudI get someone in debit card fraud, they take my information and try to call a different area. The number is XXXX the person sat on with me for almost 2 hours trying to resolve this only to find out that the department doesnt clear the queuehe apologies and hopes this gets resolved XX/XX/XXXX - I call into the fraud department and speak to XXXX XXXX XXXX. She has been the most helpful person at Suntrust and you all need more employees like this I even tried to have her let me call repo and not inform them she was on the phone and her ethics are above reproach and she said no ( way to go XXXX ) explained the entire situation to hershe called me back after XXXX today with a few items for homework on my part like checking my credit report for collection companies related to this auto loan since they cant pull up the details XX/XX/XXXX - I asked my wife to call Suntrust to try and talk to a supervisor or manager and resolve our issues under cooler heads -she got no where but was told to leave a message for a supervisor and hopefully theyll call us back XX/XX/XXXX XXXX received a voicemail from XXXX in the fraud department informing her of new information regarding our account. When XXXX calls back she is only told that a manager is willing to talk to her, that she needs to call in to the repo department again at XXXX. XXXX informed her that weve spoken to that department dozens of times already and no manager or supervisor will speak with us there. They only escalate us to the company that we suspect of fraud. After various rounds of XXXX trying to get a manager on the phone XXXX only was willing to tell us she did her research and that we had to call back the Repo department.
XX/XX/XXXX - We hang up with XXXX and call back to the repo department, where XXXX answers. XXXX spoken to her previously. She informs us that no supervisor or manager is available to speak with us, that we can leave another voicemail, but nothing further. She reminds us the car is in repo status and tries to tell us how much we owe to catch up the loan, but addresses none of our concerns. XXXX also stated that she doesnt know the name of her managers manager.
So I digress Im writing this email to avoid any legal issues. Im not asking for the repo to be lifted though it would be nice, Im not asking for any favors just a proper investigation into this issue and the folks involved made accountable and if XXXX is using these tactics remove them from you partner list and fine them if necessary Please help me, this is not for any financial gain but for doing the right thingthe police even said get a lawyer but I still believe in the decency of humans and I hope you can help me out..
Thank you for your time in hearing my story.
Regards, XXXX XXXX XXXX
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| 11/11/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I made a complaint, " after '' attempting to resolve the unauthorized hold of funds, by calling Suntrust at the number my local bank manager provided, for them to correct the issue, Please see the original complaint contained here, as well as the attachment, proving the illegal action occurred.
Instead of offering to put corrective measures in place to prevent banking fraud, they lied in their response ( CLAIMING it did NOT happen, claiming no record of the call I made to " XXXX '', whom I would NOT know her name if I had n't spoken with her ) to the CFPB, XXXX the attached proof it did indeed occur ; and retaliated by allowing an unauthorized withdrawal from my account causing an overdraft fee!
XXXX XXXX was made aware of the " unauthorized withdrawal and fee charged '' ; when my account is not to be debited without authorization!
The fee was NOT returned ; and I told XXXX XXXX ; " I would speak to my insurance company to prevent further use of my checking account when they are supposed to debit my credit card ''! The fact that I made a payment in the past using my checking account ; does NOT authorize debits showing ZERO authorization ''!
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Consumer Financial Protection Bureau Submit a Complaint All complaints XXXX Print complaint Closed Submitted Status Submitted to the CFPB on XX/XX/XXXX Product Checking or savings account Issue Managing an account We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT Yesterday when I received an email from XXXX saying that the order had shipped and the payment was processed I went to my bank account, as usual, to reconcile my account and check to see if there is anything still pending on my account. The {$20.00} was showing paid. No longer showing pending. There was only one pending charge. Today when I went to my bank account to check to see if XXXX was paid, there are now two pending from XXXX. One of which is a duplicate. The {$20.00} was again taken from my available funds showing pending. I immediately called XXXX to see why they were double billing me. XXXX at XXXX told me that they were not double billing me, they were paid for the {$20.00} yesterday and I asked her why its showing pending for the exact same date and exact amount, and XXXX informed me that that must be my banks policy because they receive many calls a day with the same type of questionswhere people show paid and then pending again. She then advised me to contact my bank and provided the pre-authorization number from XXXX XXXX when I did the purchase online. That number is XXXX. She then provided me with the right to collect authorization. That number is XXXX. She said that it is generated at the same time the authorization is generated. She told me to ask the bank if I paid them twice, and if so we would like the preauthorization number for the now pending charge on my account. The second time for the same charge. It was paid yesterday and it is showing pending again. XXXX said that they arent double charging me and that XXXX has a pending hold on the account. I asked XXXX to give me the preauthorization number for the pending today and XXXX said that she already gave that to me, and I said noyou gave me the preauthorization number for the charge that was paid yesterday. You already fulfilled that so why are you holding # {$20.00} from my account again. XXXX told me to call XXXX with her on the line so they could release the hold. I asked her what policy Suntrust has in place to prevent the money from being taken multiple times, in this case twice, from a persons account. She told me that there is nothing I could do about it unless I wanted to call XXXX to release the hold. I informed her that XXXX had already told me that they do not have a hold on my account. She also told me that it is illegal to put a pending on something that has already been paid, and withhold further funds from me on hold. XXXX just kept repeating that it was XXXX fault. I advised her that I would be contacting CFPB. I asked who to speak to at Suntrust Bank to prevent this from happening. I told her that since Suntrust is not willing to tell me how they are going to correct this issue from happening to not just me, but other consumers as well that I would have to report this.
What product or service is your complaint about?
PRODUCT OR SERVICE Checking or savings account TYPE Checking account What type of problem are you having?
Issue Managing an account Have you already tried to fix this problem with the company?
Yes What happened?
Yesterday when I received an email from XXXX saying that the order had shipped and the payment was processed I went to my bank account, as usual, to reconcile my account and check to see if there is anything still pending on my account. The {$20.00} was showing paid. No longer showing pending. There was only one pending charge. Today when I went to my bank account to check to see if XXXX was paid, there are now two pending from XXXX. One of which is a duplicate. The {$20.00} was again taken from my available funds showing pending. I immediately called XXXX to see why they were double billing me. XXXX at XXXX told me that they were not double billing me, they were paid for the {$20.00} yesterday and I asked her why its showing pending for the exact same date and exact amount, and XXXX informed me that that must be my banks policy because they receive many calls a day with the same type of questionswhere people show paid and then pending again. She then advised me to contact my bank and provided the pre-authorization number from XXXX XXXX when I did the purchase online. That number is XXXX. She then provided me with the right to collect authorization. That number is XXXX. She said that it is generated at the same time the authorization is generated. She told me to ask the bank if I paid them twice, and if so we would like the preauthorization number for the now pending charge on my account. The second time for the same charge. It was paid yesterday and it is showing pending again. XXXX said that they arent double charging me and that XXXX has a pending hold on the account. I asked XXXX to give me the preauthorization number for the pending today and XXXX said that she already gave that to me, and I said noyou gave me the preauthorization number for the charge that was paid yesterday. You already fulfilled that so why are you holding # {$20.00} from my account again. XXXX told me to call XXXX with her on the line so they could release the hold. I asked her what policy Suntrust has in place to prevent the money from being taken multiple times, in this case twice, from a persons account. She told me that there is nothing I could do about it unless I wanted to call XXXX to release the hold. I informed her that XXXX had already told me that they do not have a hold on my account. She also told me that it is illegal to put a pending on something that has already been paid, and withhold further funds from me on hold. XXXX just kept repeating that it was XXXX fault. I advised her that I would be contacting CFPB. I asked who to speak to at Suntrust Bank to prevent this from happening. I told her that since Suntrust is not willing to tell me how they are going to correct this issue from happening to not just me, but other consumers as well that I would have to report this.
I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience.
The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.
What would be a fair resolution to this issue?
My desired resolution is that Consumer Financial Protection Bureau have them institute some type of procedure or policy to prevent this from happening. They are aware that there is an issue. XXXX said that it wasnt banking fraud and that I was misinformed by XXXX. I informed her that I learned about double dipping in college.
What company is this complaint about?
Company Information SUNTRUST BANK What people are involved?
Your contact information XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX, Florida XXXX United States Sent to company Status Sent to company on XX/XX/XXXX We 've sent your complaint to the company, and we will let you know when they respond.
Their response should include the steps they took, or will take, to address your complaint.
You should receive an update from the company within the next 15 days, and a final response within 60 days.
Company still working Status Company response is in progress as of XX/XX/XXXX The company has responded that it is still working on your issue In some cases, companies need more time to respond. You should receive a final response within 60 days from the date we sent your complaint to the company.
COMPANY 'S INTERIM RESPONSE This case has been received and assigned to XXXX XXXX of the SunTrust Client Advocacy Management Office for research and response. In the meantime, XXXX XXXX may be reached at XXXX with any questions or additional information.
Company responded Status Company responded on XX/XX/XXXX Response Type Closed with explanation Company 's Response Our records show that, on XXXX XXXX, XXXX, a charge for {$20.00} from XXXX was paid from your account. On this same date there was a pending item hold from XXXX for {$17.00}. This item was paid on XXXX XXXX, XXXX. You stated that you were able to see a pending item hold for the {$20.00} debited from your available balance but that the debit to XXXX was paid on XXXX XXXX, XXXX. You also stated that you contacted us and spoke with a representative regarding the hold. I was unable to find a call where you spoke to XXXX. Your account history shows that the balance on XXXX XXXX, XXXX was {$230.00}, but a pending item hold for {$17.00} from XXXX reduced your available balance to {$220.00}. After the {$17.00} paid on XXXX XXXX, XXXX your balance remained {$220.00}. We show the item for {$20.00} only paid once against your account and no fees were caused by this transaction. Enclosed is a statement for your review. A branch teammate did speak with someone regarding the pending item hold and confirmed the hold ; however, I was unable to verify that a pending item hold for {$20.00} was affecting your available balance on XXXX XXXX, XXXX. When we spoke about this concern, you stated you had information that would show the transaction in your records, but declined to share it with me. Your concerns have been forwarded to the appropriate management for review. If you continue to experience this same issue, please contact me as soon as possible, so that I may research further. I can be reached at XXXX, Monday through Friday from XXXX XXXX. to XXXX XXXX. XXXX.
Attachments final response -XX/XX/XXXX, XXXX ( 81 KB ) final response attachment - XXXX, XXXX ( 64.5 KB ) Feedback requested Status Feedback requested on XX/XX/XXXX Feedback due XX/XX/XXXX Provide feedback about the companys response We welcome your feedback on how the company responded to your complaint. You will have 60 days from when the company responded to share your feedback. The CFPB will share your feedback responses with the company and use the information to help the CFPBs work with consumer complaints.
Closed The CFPB has closed your complaint.
XXXX XXXX XXXX XXXX # XXXX Have a question? Preguntas?
( XXXX ) XXXX An official website of the United States Government
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| 01/14/2020 |
Yes |
|
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Web |
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My issues is that they owe me {$2100.00} for leading me on for 5 months when they had no intention of approving loan. They should have been transparent and communicated things XX/XX/XXXX XXXX XXXX contacted me after I submit loans and transfers me to XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX [ NMLSR # XXXX ] because I am requesting a down payment assistance loan and she advice that he was licensed/experienced for this. Later I learn none of them are which is why they had no intentions of completing this loan.
On XX/XX/XXXX at XXXX XXXX XXXX sent an email stating that based on the XXXX loan amount approval is contingent that I pay off 3 accounts and he listed the 3 accounts. I understood this considering the price of the house I was looking at the amount of XXXX at the time and understood this is being asked due to the debt to income ratio.
I did tell him that one account was impossible because it was XXXX and he agreed to remove that.
Then on XX/XX/XXXX I emailed XXXX indicate that I found a XXXX house which is XXXX less than the original loan approval and I stated as follows : Hi XXXX, I have been looking alooooot and I pretty much have to do a Condo for my situation. What about this condo at {$93000.00}? What accounts do I need to pay off to make this one happen.
On XX/XX/XXXX at XXXX XXXX I get a reply as follows Good Morning XXXX Thanks for the update. That sales price will not be a problem for you. Ive sent an updated pre-approval letter to your secure portal. If we are going to buy a condo, once you secure a contract, you will have to pay for both the appraisal fee of {$450.00} and a Condo review fee of {$350.00}.
On XX/XX/XXXX Condo was selected final and offer was accepted in the amount of {$84000.00} and close date selected for XX/XX/XXXX. This is {$41000.00} less than a $ XXXX loan. My realtor sent XXXX all info and not once did he tell me any requirements but I kept getting the disclosure email which never indicated requirements with the XXXX loan.
However, XXXX XXXX stated on XX/XX/XXXX that the amount of time is 45day due to claimed due to this being a Down Payment Assistance via XXXX. Then later on XX/XX/XXXX at XXXX XXXX he stated DPA programs takes 45-60 days. This is not true as I took the HUD class on XX/XX/XXXX and XXXX XXXX who led the HUD class and is the Founder, and CEO at XXXX XXXX XXXX stated that it only takes a couple of days for them to review information to approved of the Down payment assistance funds to be dispersed. So he started off lying to me and I thought maybe he was getting the names mixed up and he mentioned FHA but I find out later they lie and do not know what they are talking about and making up stuff to ensure loan fails.
No one says a anything about me paying off anything, they are processing loan as though all is approved. As well, based on XXXX XXXX half-hazardless response and not being clear I was under the impression nothing needs to be paid off since the house I am getting is XXXX less than the original XXXX.
Despite the lies, we moved closing date XX/XX/XXXX.
On XX/XX/XXXX Suntrust /Truist deducts {$920.00} from my account for {$500.00} Appraisal, {$380.00} Condo Document Fee and {$38.00} Credit Report Fee.
After that I proceed with providing all loan info requested and fill out the documents online that were called disclosures and etc.
Then on XX/XX/XXXX I was introduced to the XXXX XXXX [ Direct Dial : XXXX or ext. XXXX I Fax : XXXX I Mail Code XXXX I XXXX XXXX XXXX XXXX, XXXX XXXX, VA XXXX ] who is the Loans Processor for my Loan No. XXXX and I talked to him once on the phone. Basically, all he did was ask for everything under the sun in regards to me at first and it was just a lot of frivolous nonsense but I gave info to move the process along.
Keep in mind, not once did this processor say anything about me paying off anything but then XXXX calls me on XX/XX/XXXX ( 5 days before closing ) to tell me that I have to pay off 2 loans. I was upset and told him he did not once state any of this before anything was paid or even during processing and he got smart with me and stated. with the XXXX it was always assumed you would pay the indicated accounts off and you should have known that. If that is so, then why didnt you remind me that when my realtor sent you the accepted offer letter for a XXXX condo or way before when I asked you the questions specifically? Once again, a ploy to ensure loan fails.
Nevertheless, we pushed closing again to XX/XX/XXXX for which I knew with the lack of communication and the way everyone was out of the office that this date would never happen. Finally, I had my realtor push the date to XX/XX/XXXX The 2 loans were paid off by XX/XX/XXXX and one was paid by my sister, for which she provided statements for. Then like the next week some lady from Suntrust /Truist calls up and has me doing a 3 way call with the 2 accounts and asking dumber questions like has she ever been lateI rolled my eyes because if you late, you are reported and I pointed out to her that it is automatically deducted from my bank account so there is no way you can be late.
Then they took me through making me get a letter from my company to confirm I work remotely at home when I emailed a offer letter showing that info and later I found out that the COO verified this info with them by phone so they were triple doing all this as if I was lying. How does a person lie about working at home and they can see a pay check drop into their account? Like these people have no logic if it hit them in the face.
Then after all that, I am requested more documents and then they started having issues about my sister being able to pay off a large amount and she showed them with a bank statement that clearly indicated that. Actually, the info was sent to them back on XXXX with statements and my sister explained. Then they disappear and then on XX/XX/XXXX I get another needs letter where they were asking more questions concerning things on my account and then they bring up my sisters account. I sent them info 4 times, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.
They even went as far as asking about funds in my sisters account that had nothing to do with the amount in questions for which this is clearly shows they had no intention of approving this loan if you are going off subject which is out of line and they were crossing the privacy line of someone else account who is not even on the loan. They asked for stupid things that was decades ago, such a divorce decree, an account that is no longer in anyones system.
They were mean to my realtor and blamed her and ignore her 99.9 % of the time so she had no clear picture of how to move forward since the communication lacked.
These things continued until XX/XX/XXXX and actually, they had not even sent my file to FHA or whoever until XX/XX/XXXX ( which means they sat on all my info/files for almost 2 months which is beyond wrong so they oh me my {$2100.00} due to that with their fees and the due diligence and home inspection I could have avoided if they were transparent with me ). When I had a final convo with XXXX XXXX once again explaining my sisters statement which reflects clearly where she obtained money but they were stuck on money that had nothing to do with the amount in questions. This is clear that they waste my time, my realtor, the owners realtor and the owners time while they lead me on, deceived me, lied, ignored until this loan had to be canceled which is what they wanted to do. This is very bad business practice as a condo or house is a big purchase so these so-called financial people at Suntrust /Truist was NOT transparent and practiced the following bad habits to ensure closing does not happened. ( please not, I am not the only one they have done this too, look at the many others out there at XXXX XXXX XXXX : Customer or realtor calls, no one ever calls back. They expect you to email them and they may or may not answer ever.
Communication all around is actually none. You have to be the one to bring up things and do not expect them to tell you the process or expectations because they do not know this info themselves.
Never want to take responsibility when they make mistakes.
They are not organized and mix up your info and or do not read you emails.
Each person involved is always out of office every week as if they have 182 days worth of vacation to be out of office that much.
They continue to send questions once a week, on a Friday to make sure they can delay your closing more.
Ask out of line questions, and when you ask them why they are asking, answer is never valid.
Request out of line information from gifters bank statements that has nothing to do with amount in question.
They blame things on FHA and/or DPA ( if you have this type of loan ) when its really suntrust/truist.
They do not care about customers, only the money they take and go about their day leaving you hanging with no communication.
They are not honest and transparent ; they will hide things until you force them to provide it, for which, by that point the loan is denied which is what they want.
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| 05/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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|
Web |
Older American |
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On XXXX XXXX , 2017 I con tac ted SunTrusts Stop Payment depa rtment ( proof submitted, # 1 ) to interc ept an upcoming invoice for which I had revoked my authorization. T he Stop Payment employee gave me a baffling reply ( proof submitted ; # 2 ). Naturally, in my stop payment request I specified which payment I was talking about : that it was an invoice coming via **** in an amount of {$240.00} ( and I gave its number ) that I wanted to be stopped. One cant be more precise than that. However, far from honoring my request, or at least addressing my concerns, SunTrust discu ssed a CHECK CARD purchase, made in a DIFFERENT AMOUNT. The authorizationthe employee wroteoccurred on XX/XX/17 at XXXX XXXX . ET, an d the card ending in **** was used. So not only was this transaction different in every respect from the one I wanted to prevent, it was authorized HOURS AFTER I contacted SunTrust with my sto p payment request ( at XXXX XXXX XXXX ). It must be clear to everybody but the most careless reader th at it COULDNT have been the item that I sought to stop. The next day SunTrust paid, over my express wishes, the amount for which I had revoked authorization. To da te ( XX/XX/XXXX ), S unTrust ha s failed to give any explanation as to why their Customer Service/Stop Payment employee did not address at all the problem for which I requested assistance. What could have prompted the employee to concentrate on an item that did not resemble in any aspect the item described in my stop payment request? I think he wrote about whichever item he saw in my record because the invoice in question had not yet been presentedthus the loss was eminently preventable at that time. Why did he not act upon my timely request, thereby preventing a foreseeable loss? I can not fathom that. The fact remains, though, that in spite of my XX/XX/XXXX contacting Customer Service/Stop Payment department ( proof of which I am submitting with this complaint, # 1 ), on XX/XX/XXXX ( t hat is, already in possession of the information that I had revoked my authorization for the char ge ) SunTrust paid t he invoice AGAINST MY CLEARLY STATED INTENTIONS. Having been unsuccessful getting either my order or my money back from the merchant, o n XX/XX/XXXX I c ontacted SunTrust to dis pute the charge. I explained ( proof submitted, # 3 ) that my reason was that even though I contacted SunTrust o n XX/XX/XXXX to pr event payment, SunTrust failed to do so, and I felt making me bear the consequences of SunTrusts failure to act upon my request is wrong. SunTrust s ent me an affidavit form pertaining to the XX/XX/XXXX charg e, which I returned via U.S. Mail t o the address given to me as soon as I received it, having marked I revoked the authorization I had given to the party to debit my account before the debit was initiated. Date I revoked the authorization : XXXX XXXX , 2017. SunTrust ig nored my signed affidavit ( which was quite an insult on their part ), just as it ignored the XX/XX/XXXX expl anation of my claim. While initially it issued a provisional credit in the disputed amount , SunTrust de nied my claim, declaring that the charge resulted from a valid transaction, and revoked the provisional credit. SunTrust ass erted that the transactionconducted on XXXX XXXX , 2017 was co mplete and valid. There were no errors on the transaction, and withdrew the provisional credit. BusinessDictionary ( XXXX XXXX XXXX ) defines transaction ( definitions 4 and 3 ) as an [ e ] xchange of goods o r services between a buyer and a seller or [ a ] ctivity affecting a bank account and performed by the account holder or at his or her request. As I have not received anything in exchange for my money, which was paid not AT, but AGAINST my request, this was not even a transaction, let alone a complete and va lid one. But when I brought this up, curious to learn why SunTrust considers to be a valid transaction something that does not conform to either applicable definition of the t erm, SunTrust conveniently ignored this point, too. ( To add insult to the injury, they invariably offer in every communication to answer any questions I still may have. ) I have been trying to recover my money for ove r four months. A number of exchanges have taken place sinc e XX/XX/XXXX . Th ese, however, did not lead to a resolution, due to a complete lack of good faith on the part of SunTrust. The singlemost important fact in this case is that I informed SunTrust that I had revoked my authorization for a payment in time to prevent the loss, yet SunTrust paid the amount all the same. This is the basis of my claim. However, communications from SunTrust do not mention having been notified that the amount was no longer authorized, nor do they explain why the Stop Payment department did not address my request at all. They recite in tedious detail fact s that are irrelevant and not even in dispute, but carefully avoid the fact that is the most crucialthat the Bank paid an amount, knowing full well that I had revoked authorization for it. I have brought this matter to their attention so many times that the Bank cant be unaware of it. Rather, their actions are consistent with a refusal to take responsibility for their own fault. Although handling a depositors money not with reasonable care, but with a complete disregard for the depositors wishes is bad enough, compounding it with excising facts in order to materially alter a customers case ( so that they can deny it ) makes it much worse. I am saddened that SunTrust values its reputation and integrity so little that it resorts to such tactics, just to avoid responsibility.
SunTrust boasts to have a dedicated fraud protection team to ensure that you are not held responsible for charges you did n't make '' ( # 4 ). I assume that this is a company policy and not a calculated false statement. SunTrust has clearly violated this policy.
I am a senior citizen, trying to survive on an extremely limited income since my unexpected retirement. I have lived financially responsibly my entire life ; never spent more than I earned. But due to SunTrusts improper actio ns ( paying a party an amount I did not authorize, and making me bear the consequences of their own wrongdoing ), I did not have enough money left in my account to cover a check . So SunTrust began charging me overdraft fees. This shifted the balance further to the negative, so next time SunTrust again penalized me for it. So for SunTrust, this is a gift that keeps giving, as they say. To date, SunTrust has frittered/siphoned away 75.44 % of my monthly income.
Knowing from a long experience how SunTrust deals with complaints, I try to speed up the process a bit. Here are SunTrusts policies pertaining to overdraft fees, as I found them on their website. I would n't say a word against SunTrust 's applying these policies, had the negative balance come about through my own fault. I want SunTrust to reimburse me for the overdraft fees only because SunTrust itself has caused the condition for which it keeps penalizing me. And that goes against every principle of justice and fairness.
Overdraft Fee A {$36.00} fee that is incurred when a transaction amount exceeds your available balance and is paid with negative funds. Extended Overdraft Fee A {$36.00} fee that is incurred when your current ( ledger ) balance has been negative for five consecutive business days ( excludes Saturdays, Sundays and ho lidays ). We start counting on the day your current balance becomes negative. https : //www.suntrust.com/facts-about-banking/understanding-bank-fees/overdraft-fees P lease note that it does not say anywhere that SunTrust is entitled to exact these fees even if the negative balance comes about as a result of SunTrusts own wrongdoing. I submit that the Bank should not continue to benefit from conditions that its own wrongdoing brought about. Should SunTrust disagree, I am asking it to kindly give me the URL for the warning that SunTrust will exact these penalties even if the bank itself causes the negative balance.
From the moment SunTrust charged my account against my instructions, I lost co ntrol of my money. Once the Bank managed to cause a negative balance, it can, pointing to its above-cited policies, keep siphoning off at least {$72.00} each month, like clockwork, until my entire retirement income is used u p. SunTrust has already caused me the loss of 75.44 % of my monthly income. And I am completely powerless, because they pretend that their wrongdoing did not happen ; they admit of no fault ; their replies only insult my intellect as they make me appear an unreasonable person unable to understand simple policies. I will greatly appreciate CFPBs efforts to have this matter resolved. I am attaching proof of the basis of my claim. Because of the hardships I am suffering, I would be grateful for a speedy resolution. Thank you very much for all your assistance.
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| 05/22/2018 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Closing an account
- Can't close your account
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|
Web |
Servicemember |
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XX/XX/XXXX Consumer Financial Protection Bureau Complaint Department To Whom It May Concern : On XX/XX/XXXX at XXXX XXXX, I spoke to your employee, XXXX, regarding case # XXXX. I would like to submit a complaint against Suntrust Bank for not following, my father, instructions to have his assets payable on death. My father along with other family members, had been a customer of Suntrust Bank for many years. On the advice of his attorney, XXXX XXXX, my father, with the stipulations of a Payable On Death ( POD ), opened a POD signature and a POD checking account on XX/XX/XXXX and a POD Certificate of Deposit ( COD ) account on XX/XX/XXXX,. Upon my father 's death, his daughter, supplied his death certificate. Suntrust Bank informed her, at that time, that they would release to only XXXX of the daughters ( see point # 6 below ) for the accounts opened on XX/XX/XXXX and they would not release the funds from the POD COD opened on XX/XX/XXXX ( see point # 7 below ). Suntrust did not follow my father 's nor his attorneys instructions for Payable On Death, due to multiple Suntrust bank issues. A copy of the Attorneys instructions were given to the bank upon opening his accounts and can be provided. Below I have provided a date progression of each step taken by my father and/or his daughters to properly set up the accounts and the issues that Suntrust made which prevented release of the POD funds upon his death.
Dated Progression of instructions and issues : : # 1 XX/XX/XXXX My father and XXXX of his daughters met with XXXX XXXX , attorney, for instructions on following my father 's wishes. We received a letter to present to Suntrust Bank regarding Payable On Death accounts.
# 2 XX/XX/XXXX Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. My father along with XXXX of his daughters, met with XXXX XXXX, Branch Manager. We presented XXXX a copy of the attorneys letter and requested to open a POD checking account, a POD signature account.The bank computer system would not allow XXXX to show myself as both POA and POD. XXXX finally printed out copies of the completed POD.forms, POA forms and the personal accounts signature cards.
# 3 XX/XX/XXXX I met at the Suntrust Bank XXXX XXXXXXXX XXXX XXXX branch with XXXX XXXX, Vice President Financial Advisor, to discuss best ways for my father to invest his assets. Opening a POD COD was decided best.
# 4 XX/XX/XXXX My father and myself met with Suntrust Banks XXXX XXXXXXXX XXXX, XXXX XXXX, Client Service Specialist, XXXX XXXX. XXXX was requested to transfer funds from POD Signature Account into a POD COD using the same POD beneficiaries. XXXX was having computer system issues. During the wait to get the system working, my father, now age XXXX, became weak and requested to use lobby furniture to rest. When XXXX was able to get the forms printed for signature, since I was his POA, XXXX had me sign the forms rather than have my father try to sign in his weaken state. Only the copy of the Time Deposit Receipt for the POD COD was provided to me by the Branch manager, XXXX XXXX. Although XXXX did not provide me with POD copies, of the POD COD forms due to her computer copier issues. I was assured the POD COD was set up as the signature POD account was.
# 5 XX/XX/XXXX My father owner of Suntrust POD signature, checking accounts and a POD COD account passed away.
# 6 XX/XX/XXXX My sister, furnished a death certificate to the branch manager at the Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. She requested dispensing of all his assets to the PODs on file. This is when we were informed that his checking and signature accounts only had XXXX benefactors. My sister had the manager call me. I was on route home from the funeral responsibilities and could not provide her copies until I got home. On XX/XX/XXXX I sent my sister the needed copies and she delivered them to Suntrust.
# 7 XX/XX/XXXX After multiple calls to XXXX XXXXXXXX XXXX branch, Suntrust XXXX phone # and call to XXXX office, with no success of getting a resolution, I finally reached the XXXX XXXX XXXX branch manager. She informed me that she had researched our problems. Once she received a notarized letter from each of the XXXX daughters she would release the Signature account and the checking account funds. As for the POD COD account, I was informed that XXXX XXXX had me sign the POD COD forms which my father was suppose to sign. I was informed Suntrust had sent requests to my father 's residence in XXXXXXXX XXXX. Due to my father 's age of XXXX, he did not recall receipt of said mail. Suntrust had been instructed that as POA, I was to receive all correspondence from the bank. I had even asked why they needed his residence address when I was assigned to make any business decisions for him and that I was to receive all correspondences. They told me they just needed to know where he lived.
# 8 XX/XX/XXXX A detailed letter regarding difficulties receiving disbursements from my father 's accounts, along with copies of death certificates of my father and mother ; list of all the daughters their addresses, phone numbers and SS # s, and my divorce decree showing name change, was sent to the Suntrust Bank Account Closure Exception Team , XXXX. XXXX XXXX, XXXX, XXXX.XXXXXXXX-XXXX. The packet was stamped Received XX/XX/XXXX and returned stating Suntrust required court documentation naming the administrator of the estate or an Order of summary. The POD was set up to prevent this from happening. My father did not want his daughters to have to go through the courts. His desire was to have no issues and have the daughters receive his assets upon his death, as per the instructions given upon opening of the accounts.
# 9 XX/XX/XXXX All XXXX daughters obtained notarized letters requesting closures and distribution of all my father 's assets. The notarized letters were sent to his daughter to deliver to the branch. Since she had such difficulty with the Suntrust XXXXXXXX XXXX XXXX branch, she chose to take the letters to the Suntrust XXXX XXXX. XXXX branch. The checks for the 2 smaller accounts were finally issued on XX/XX/XXXX, however, the check issued to myself was sent with no authorized signature. This check had to be returned for signature. The POD COD account funds have still not been released. We were again informed that the branch could not release the POD COD funds.
# 10 Suntrust did send notifications to the my address in XXXX regarding account closure, name change and another unreadable notification. ( post office was able to deliver only parts of the last notification ). I didnt understand the name change notification. I called the XXXX number because I was afraid it affected the POD COD account, however it was for one of the closed accounts. I also do not understand why Suntrust was able to send notifications to my address now and not in XXXX. Upon checking online I discovered only one of the smaller accounts was closed. I had to call to have them close the unclosed account. Also the Suntrust Letter from the Account Closure Exceptions Department misspelled my last name.
I would like to know why such a large incorporation does not provide a better customer service. Both the branches and the XXXX phone number employees were not able to put me in contact to a person that would be able to resolve the above issues. My parents, sister and myself had Suntrust accounts for many years. I used to promote their business to others. I can not express the disappointment the past months services have brought to me.
I can provide copies of all forms discussed above. I believe since Suntrust had the letter from the attorney showing my father 's wishes along with the trail of the funds coming from POD accounts ( which he had signed ) to the requested POD COD, should prove that the funds should be released. The Suntrust errors of software issues and computer hardware issues prevented timely setting up and printing of new accounts and also the fact that they sent the notifications to the incorrect address prevented my father from proper notification to comply in the corrections of the Suntrust errors. Suntrust is holding the POD COD account and it was their mistake that prevented these funds from being released. I think Suntrust should honor my father 's wishes and intentions by paying the POD COD according to his instructions. Requiring his daughters to go through the court system would be dishonoring my father 's instructions and would be very costly to his daughters. It is very painful to have to be dealing with my father 's death and then having to deal with all the errors Suntrust made.
Please help us to have my father 's wishes honored.
Thank you for your help.
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| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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This complaint is with the XXXX Maryland branch of SunTrust bank regarding an altered check that the bank paid on our account. The copy of the forged check is attachment Item 1. All emails referenced below are in attachment Item2.
On or about XX/XX/XXXX two envelopes containing checks were apparently stolen from our mailbox. One was made out to XXXX for {$25.00}. The other was made out to our insurance company for a little over {$100.00}. The one for XXXX was altered to {$6000.00} made payable to XXXX XXXX. This check was paid from our account on XX/XX/XXXX. We discovered the theft on Friday, XX/XX/XXXX, when we went to the ATM to withdraw some money. We went to the lobby of the bank and the teller ran a tally of the previous several month 's transactions on our checking account. The {$6000.00} stuck out like a sore thumb. The teller brought up the image of the check and immediately said that is a write-over. We immediately filed a fraud report ( XXXX ) with XXXX XXXX ( Item 1 ). The notes on Item 1 were written by XXXX XXXX.We were told that we could expect our money to be refunded within 15 calendar days unless we were contacted by their fraud department to request further information. We were not asked to fill out an affidavit. That same day we reported the theft to the county sheriff 's department and was assigned case number XXXX. The following Monday, XX/XX/XXXX, we checked with our insurance company and found out that they never received the second check. We went to the bank to order a stop payment of that stolen check and were charged {$36.00}. ( It would have been nice if the bank had waived that charge since a second washed check would have cost them more than {$36.00}. ) On Tuesday, XX/XX/XXXX, we reported the theft to the United States Postal Inspector Service at XXXX and were given case number XXXX. On Thursday, XX/XX/XXXX, thirteen days into the 15 day window I went to the bank and talked to the manager, XXXX XXXX. We had not been contacted by the fraud department, and I wanted some status on the investigation. He called the fraud department and they verified that the investigation is open and that they had not yet made an effort to contact us. They asked XXXX questions for me that I would have expected a fraud person to ask if we had been contacted, like when was the check stolen? how much was it made out for? who was it made out to?, etc. They told XXXX that it could take up to 30 days. I asked XXXX what is the worst case scenario, do we wait 30 days and still not get our money?. He said that he has never known of anyone not getting their money back. He said the bank might have to take the loss. He said that these things are often resolved in 10 days. He mentioned that we reported the theft promptly. On Wednesday, XX/XX/XXXX, got a call from XXXX XXXX at the bank. She asked if we had heard anything regarding our stolen money. Told her we have heard nothing from the fraud department. She said it may speed things up if we call the fraud department. She suggested I come in next Tuesday. I said I could come in right now. She said the roads were bad. We made an appointment for me to come in the next day at XXXX. The next day, Thursday XX/XX/XXXX, XXXX called at XXXX to tell me that I did not have to come in to call the fraud department with her. She said that she had some time this morning and called the fraud department to put a 48 hour escalation on the investigation. I asked if that meant we would get our money on 48 hours. She was vague when I asked her what the significance of the 48 hour escalation was. In our conversation XXXX mentioned that the check was clearly forged. She suggested I call the fraud department to put some more heat on them and I could file a customer complaint. I called the SunTrust fraud department at XXXX and talked to a XXXX. I verified they had a correct phone number for us. She said the investigation was escalated yesterday by my branch ( not today like XXXX told me ) and there should be an update in 48 hours so I could call tomorrow to get an update. She said that they would contact me only if they need more information. She said that no update had been made to the investigation. I filed a customer complaint that she said would go to a higher level. On that same day, XX/XX/XXXX I sent an email to XXXX XXXX to report my conversation with the fraud department. Monday, XX/XX/XXXX, called the fraud department and was on hold for 20 minutes. Was told the escalation was requested XX/XX/XXXX and there should be an update or a resolution in 3 to 6 business days. Was told to call back tomorrow. She said that there has been no update at all from the investigator. I sent an email that same day to XXXX XXXX to report my conversation with the fraud department. On Tuesday XX/XX/XXXX I received a two word email from XXXX XXXX : Any news?. I replied that my two calls to the fraud department were a waste of time and my time would be better spent talking to my lawyer friends. On Monday, XX/XX/XXXX, one month after we filed the fraud report I sent an email to the Maryland Attorney General with a cc to XXXX XXXX asking what timeframe if any is specified for restoring stolen funds from forged checks. No comment from XXXX. On Friday, XX/XX/XXXX, sent an email to XXXX with cc to XXXX XXXX and XXXX XXXX stating that different bank experts I have talked to stated that it is normal to ask the customer of a forged check to sign an affidavit stating they did not write the forged check. I reminded him that neither his branch nor the fraud department had requested an affidavit. No response from XXXX. On Monday, XX/XX/XXXX, I sent an email to XXXX XXXX with cc to XXXX XXXX and XXXX XXXX reminding him that it has been two months since we filed a fraud report and have heard nothing at all from the fraud department. Asked four questions : 1 ) Status 2 ) The significance of us never being contacted by the fraud department 3 ) Is anyone in his branch working the problem 4 ) If not, why?
His email reply was : The claim has been filled with the Fraud department and a fraud investigator was assigned to your case. I have escalated this claim with the fraud department. Also what is a good phone number for the fraud department to reach you.
I sent an email in reply stating I had verified the fraud department had the correct phone number for me when I first called the fraud department on XX/XX/XXXX and again asked the questions he did not answer in his last email. He called me back and said he had called the fraud department and had the names of some people. He asked if I had been given the name of an investigator. ( Since the fraud department never contacted me, I obviously was never given the name of an investigator ). He said he would give them a few days and if he did not hear from them he would call them. He said he would get back to me on Friday. I said an email would work too. This call was on Monday XX/XX/XXXX. As of Monday XX/XX/XXXX I have yet to hear back from XXXX.
To summarize : SunTrust on XX/XX/XXXX paid a thief using a forged check {$6000.00} from our account. We discovered the error 11 days later on XX/XX/XXXX and filed a fraud report within an hour. It has been over two months and their fraud department has yet to contact us. None of the SunTrust estimates of when we can expect our money ( first 15 calendar days, then 30 days, then 15days again ) have been met. Phone calls to the fraud department on XX/XX/XXXX and on XX/XX/XXXX resulted in being told there is no status to report, it could take a few more days, call back tomorrow.
Apparently the SunTrust branches are either helpless or not interested in making an effort to get any action from their fraud department on behalf of their customers, and the fraud department hides behind 800 operators who can only look up the account and report there have been no updates to report and to call back tomorrow.
The bank should not have paid a non-payable check leaving us without benefit of {$6000.00}. The bank should pay us interest for the period starting XX/XX/XXXX, the stop payment fee for the other stolen check and all maintenance fees that we would never have incurred if the fraudulent check had not been processed.
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| 11/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
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I have been a loyal Suntrust Bank account holder for years. On XX/XX/XXXX I was checking my online account and noticed a XXXX over the counter withdrawal that was made on XX/XX/XXXX. I was in disbelief and very shocked. First of all, I had not been notified to even confirm that I had withdrawn this very large amount which is out of my normal transactions. Second of all I was out of state visiting a family member when the withdrawal took place and I was using my debit card.. So how could I be in 2 different places at once making different transactions. I clicked on it and it brought up the withdrawal slip and the first thing I noticed was my signature on it 2 times. On the first signature the last part of my name was crossed out with an X and my name resigned the " correct '' way with the loop on the R of my last name XXXX.
I immediately called the main branch on XXXX XXXX because this is where most of my transactions take place. No answer and I was sent to the branch managers voicemail. I left a message about the money that had been withdrawn by someone else other than me out of my checking account. I never even heard back from him until 2 weeks later and it wasn't even him it was another bank employee stating that his manager asked him to return my phone call. Moving forward.. After calling the XXXX XXXX I called the XXXX Suntrust number. I talked to someone in the fraud department and told them what happened and the first thing she said was that I made the withdrawal. I said no, someone else did. She would not give me any information pertaining to where this happened or who did it other than to say it would be turned over to an investigator from Suntrust and that I would be contacted within 15 business days by an investigator.
I talked to another Suntrust location to try and find out where this withdrawal had taken place and he said Florida. I then called my local police to report this theft and had a police report filed. It was turned over to an investigator. The same day, I went to a local branch and opened a new account to transfer the bulk of my money to but couldn't close out the compromised account because items were still pending. The employee that helped me was very nice but when I told her my story and my concern with the way the transaction was handled ( meaning the double signature and that the signature was verified ) she said that procedures were followed. I did not know the full story at that time though because procedures were most certainly not followed.
Meanwhile I played the waiting game. On XX/XX/XXXX business days later, I called Suntrust again because no one had attempted to contact me. I was told that my request would have a rush put on it and someone would contact me within 24-48 hrs. On XX/XX/XXXX, the 15th business day, an investigator finally contacted me from Suntrust and asked me questions and I told her my concerns with how the withdrawal had taken place. She said that she would turn in all the paperwork to begin the process of getting my money back and that I would need to have a paper signed in front of a notary stating that I had no involvement with this withdrawal.
I talked to the police investigator several times through emails and phone calls and on one of those times, XX/XX/XXXX, he sent the address where someone had went inside a Suntrust Bank and withdrawn money from my account. It was address XXXX XXXX XXXX XXXX XXXX TN XXXX I live in Georgia and have never lived in Tennessee.
On XX/XX/XXXX the police investigator emailed me details of who walked in to a Suntrust Bank and stole money out of my account. To my knowledge Suntrust has a picture of me or my license with my picture on it to verify I am who I say I am. Not to mention countless photos over the years of me coming inside the branches or doing business at the outside of the bank through the drive-through. I am a XXXX female who has lived in Georgia only and banked with Suntrust for numerous years. The person who stole my money is a XXXX female who used a Tennessee drivers license with my information on it. A TN drivers license!!, How she was able to do this is absurd and should have never been allowed to happen! I say allow because after everything I have seen and heard about how this took place there were absolutely no procedures in place to prevent it.
The police investigator asked if I had received my money. I said not yet because the Suntrust investigator said that I had to wait until the police could get to the video of the transaction to make sure everything was how I described and also waiting on my signed document stating no involvement. The investigator said that Suntrust already has all this information that theyre the ones that gave it to him. Well I was shocked again because not only does Suntrust have evidence that I didn't do it, that clearly this is a case of identity theft, to top it off Suntrust again had not contacted me about any of this! This is my money!! That I chose to put into a Suntrust Bank. That I kept in all of these years and have had numerous accounts in and fees taken out, and a mortgage with, and a line of credit!
I gave Suntrust time ( 1 business week ) and thought surely someone from Suntrust would contact me, their " valued '' client. I was mistaken. Once again I had to be the one to contact them. On XX/XX/XXXX I emailed the investigator and told her that the police investigator had already informed me of certain information that proves I am the victim of identity fraud and I did not withdraw money from my account and asked why I was not notified. I also asked that the money be returned to my account without having to sign a paper stating no involvement. She responded the same day by not answering my question as to why I haven't been contacted and apologized that I was not comfortable with the process. She said that the paper is needed to be able to be used in court as evidence against the fraudster and that as soon as I turn in the paper they will credit my account. I can not fathom that a bank would in essence aid criminals and treat their long term clients or any client as the criminal instead. Today is XX/XX/XXXX and I still have not received my money back that was stolen from my account, through a teller, by a person that walked into an out of state bank XXXX per my address on file ) used an out of state license and double signed my signature and was not asked to provide a social security number. phone number or even a previous address for proof of verification. I was asked all of that when I went into a Suntrust branch to withdraw a huge, whopping XXXX bucks. Much less XXXX Although it was on the same day I reported the incidence to Suntrust and I was in there having to open up a new account and scrambling to make sure everything was done properly to ensure some safety measures. Which by the way were already in place due to an incidence of someone stealing, not my debit card, but just the numbers from my debit card twice before. That was handled pretty quickly and the money put back in my account.
The many, many errors of Suntrust and their employee, led to my money being stolen from my account. This should never have happened. I hear it happens multiple times, every day. Not to me it doesn't. If it does why are there not better procedures in place to prevent it? Better training. Alerts, etc. Again though.. this was allowed to happen in my opinion. And to add insult to injury Im the one that has to prove Im not the criminal. Im the one that has to be worried that this person is going to do this again to me and next time all of my money will be gone and no way to live. You have all the evidence you need to know Im not the one that withdrew the money yet Im still waiting on it to be put back into my account. On top of all of that, to not even have the courtesy to call me back or to keep me informed throughout this whole process, all of it has been unacceptable. I have never been treated so poorly by a company that claims to treat everyone fairly and equitably
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| 07/19/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
|
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At the end of XXXX, I got a call from the bank saying that there is suspected fraudulent activity on my account. When I called to verify the charges, I informed them that they were not authorized and that is what led me to the knowledge that my wallet was missing. I filed a frud report through the bank and as the weeks progressed I learned that someone had stolen my wallet, with my debit card and pin number with it, and deposited checks, that had actually been written out to other people, into my account before making withdraws- all from Suntrust ATM 's in the XXXX , GA area. When I made the fraud claim I requested that all charges made after XX/XX/XXXX be denied and included in the fraud claim. The exact dates that everything had happened on are hazy and the bank will not send me the papers from the case for me to have for my records and have denied me access to the account to see the dates for myself. I do know that My husband dropped me off in XXXX XXXX, GA on a Monday and returned to XXXX and boarded a flight to go back to work- the charges were all made after the return of the car and after my husband was already in flight. I did not find out about the charges until the bank contacted me days later. I had not left my apartment after returning home and did not need my wallet for anything. I also knew that my account was either at XXXX or in the negatives and did not have any money to spend anyways. We closed the savings account where most of the fraud took place and planned on closing the checking account as soon as we got my husband 's direct deposit set up with our new accounts. We also placed a confidential status on the new accounts so that we would be more protected from fraud in the future. We lost our fraud case and filed a rebuttal. We lost once again. We decided to give up on the case and just move on with our lives- I was XXXX and had spent time in the hospital and did not need the added stress. XX/XX/XXXX I tried to use my debit card and it was declined. When I tried to log on to my banking app it denied my access. I called my husband and had him try to log in and use his own card and he was denied as well. We were in the middle of a cross country move and my husband was elsewhere in the country for work and therefore we called the bank to try to figure out what was happening. They informed that all they could say was that my account was under investigation for " Suntrust Rules and Regulations '' and that if it was going to be closed we would receive a check in 5-7 business days after the closure and if not, we could access our account after the investigation was over. Because of the confidential status they could not give us any more information. I was hundreds of miles away from a Suntrust and seven months XXXX at the time and was unable to make it into a branch to resolve the issue- especially seeing as I had no access to my money. My husband immediately took off from work and drove over 14 hours through the night to make it to the branch to get answers. After speaking with different people at different branches for three days he was finally told that this was stemming from a fraudulent check that was deposited into our old account XX/XX/XXXX. One of the checks that was actually part of our original fraud claim. My husband then explained that neither of us were located near a branch and that we needed to remove the confidential status from our account so that we could get information as we needed. They told him that since our accounts had been frozen that the confidential status could not be removed. We were both told over the phone that were not allowed to use our debit cards but that we could make a teller withdraw but he was denied this option within the branches as well. We asked for the option to take all but the {$300.00} that was under investigation out of our accounts and wait for everything to settle and they told us no. We were denied the opportunity to talk to the investigators. When we asked when we would have the chance to speak on our own behalf to clear our names they told us that was not an option and that the investigators would figure out themselves. XX/XX/XXXX, I made a car payment using the bank account- three days before the freeze was placed on our account. The loan company contacted us a couple of weeks later informing us that the bank reversed the payment on XX/XX/XXXX- three days after the freeze. XX/XX/XXXX I received a statement in the mail that informed me that as of XX/XX/XXXX my account balance was {$900.00}. XX/XX/XXXX I received a letter informing me that my checking account was closed as of XX/XX/XXXX. XXXX XXXX, I received a letter stating that I was over drafted {$930.00}. This really confused my family seeing as I have a statement saying that since my account has been frozen and we lost the ability to access our account in any manner, that we somehow lost {$1800.00}. Especially since this all over a {$300.00} check. I called customer service and the automated service did let me hear my recent transactions, just with no description as to whom the money went to. The transactions made after the freeze was placed on my account- since the statement from the XXXX if XXXX are as follows : {$36.00} overdraft fee on XXXX XXXX, {$900.00} debit on XXXX XXXX, {$900.00} closing debit on XXXX XXXX, {$1.00} debit XXXX XXXX and {$1.00} debit on XXXX XXXX. I may not understand how it is possible but the charges from XXXX are no concern to me. I am angry that after my account was closed and the closing debit was made that another debit in the exact same amount was made. AFTER the account was CLOSED- and then I got an overdraft fee on top of that. I still have not received a check for the closing debit even though it has been over two weeks. I called customer service and my former local branch and was told by both that they could not tell me anything over the phone with the confidential status on my account. I am angry that we could not remove it when my husband was in the branch over a month ago. We live 500 miles away from the closest branch and are not able to just go by a branch when we need to talk to someone. I was told that the charges do not sound like they should be there but with my account on confidential that they would not be able to do anything about it unless I was in a branch. I informed multiple people that there were bad charges on an account- something that the all but confirmed after looking at it and yet they said the charges would stick unless someone came into a branch and that I would be sent to collections unless I fixed it. An issue that we obviously could not be responsible for and that the bank is aware of. We have done everything that was asked of us from the beginning and yet the longer that this goes the more that we are told that we are responsible for more charges that are the fault of other people. One more thing- the confidential status is only on the checking account opened in XXXX NOT the old checking or savings accounts, nor the new savings account. The fraud case opened against us at this time is from our old savings account and they still refuse to communicate with us about it.
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| 09/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
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To Whom It May Concern : I currently hold a mortgage with SunTrust Mortgage. I am two payments behind right now, but not due to financial constraints, but due to my mortgage payment being increased without a new contract or an agreement signed by me. My regular monthly payment is $ XXXX/month and has been for the last several years. I owe XXXX on my home.
FIRST ISSUE : I attempted to refinance my home back in XXXX, but the fees were over $ 10k to refinance and lower my payments and my credit score was low since SunTrust chooses not to report mortgages and regular payments into the credit bureaus. When I inquired as to why they stated they only do upon request. This lowers my score since this is the largest debt I hold and pay regularly. Plus, when I try to go with new vendors, they immediately think I do not own a home because of this. Anyway, I noticed my bill went up to XXXX per month from {$830.00} in XXXX and upon inquiring I was informed that an appraisal had been completed on my home and since we didn't close, I was charged for it. First, I was informed that everything was free, and SunTrust declined my refinance due to my credit score, so how am I liable? Plus, they can just increase my mortgage balance and payment whenever they want? Is this a dictatorship? What am I supposed to do? If I do not pay and challenge it, then I lose my home!
SECOND ISSUE : Now in XXXX, I noticed, when paying my bill online, that my payment had increased to {$1100.00}, an increase of {$230.00} per month. I called SunTrust Mortgage on XX/XX/XXXX, to address this issue. After being transferred 4 times, hung up on twice, I tried one last time and connected with a representative that recognized my frustration, worked the problem between SunTrusts escrow, mortgage, and insurance departments and provided the information as to what happened. So here goes ... Basically, from XXXX and XXXX they showed a lapse of coverage when they check with my insurance company, XXXX XXXX. Yes, this did happen. We experienced a challenge with the U.S. Postal Service delivering our payment and finally had to move to an autopay. Based on these two instances of a few DAYS without coverage in XXXX and 4 days in XXXX we are habitual violators and SunTrust Mortgage has mandated that SunTrust Mortgage add SunTrust Insurance to my mortgage, and charge me for it. This change took place on XX/XX/XXXX. They claimed they re-evaluated my escrow ( which at the time only included our taxes ) and added the payment for their insurance to my monthly escrow and stated I had a shortage of escrow stemming back to XX/XX/XXXX ( this was based on their annual calculations for their insurance ) and slapped a shortage payment of $ XXXX/month to my monthly payments for a GRAND TOTAL of {$260.00} per month ADDED TO MY MONTHLY SUNTRUST MORTGAGE PAYMENT. Please keep in mind, this whole time I also pay XXXX XXXX for my homeowner 's policy. The SunTrust representative stated that all I need to do was to send in the " Proof of Insurance Declaration '' that I had relayed I was holding my hand which confirmed coverage from XX/XX/XXXX to XX/XX/XXXX. I was asked to fax it to SunTrust Mortgage 's Insurance Department at XXXX, which I did and received a successful transmission. She told me to then wait for 60-days and I should see the payment altered and insurance removed. She also reversed the late fees on my account. I explained that I didn't want to pay the new mortgage amount, because once I did it would basically be my agreement to the new charges. She understood and assured me that she was logging detailed notes and credited the current fee and the future fee. Then, I paid my SunTrust Mortgage on the phone with her.
On XX/XX/XXXX, I called SunTrust Mortgage again about the issue because my monthly payment still had not been altered back, nor had my account been credited for the additional monthly payments I had been making since XXXX. Prior to calling I contacted XXXX XXXX again and confirmed that we had consistent coverage and our agent contacted SunTrust Mortgage to confirm as well. He reached a representative that provided her ID and told us to call back and let SunTrust Mortgage know our agent spoke with SunTrusts insurance department and confirmed coverage and we needed to request for our mortgage to be reanalyzed to have the additional monthly fee removed.
So, I did. I spoke with a gentleman who stated, " I have to state, that this is an attempt to collect a debt, and any information used during this call will be used to collect the debt. '' I reminded him that I call SunTrust Mortgage, not the other way around and that I was calling to collect a debt and remedy a lingering issue. Once I relayed the message, he said he needed to get a representative with SunTrusts insurance department on the phone. He conferenced her in, and she said we had an evaluation due to a lapse in coverage for insurance and they applied SunTrust Insurance to our account. She said it could not be removed. I proceeded to ask for a supervisor, who told me that the additional Homeowners insurance which costs me an additional $ XXXX/month which I mentioned earlier in this complaint, COULD NOT BE REMOVED. I asked him for his supervisor, and he said I would need to mail a letter to XXXX and request in writing to speak with his supervisor??? Which, unfortunately, I am doing as well. I reminded him that SunTrust could not make me pay for their insurance and claim I have a lapse in coverage SEVEN MONTHS after a 14-day lapse, that I was already charged a prorate of {$100.00} for? I asked why had this evaluation or insurance not been implemented in XXXX when the problem occurred? He said, " Ma'am the evaluation occurred in XX/XX/XXXX. '' I told him that my account shows XXXX on the Escrow explanation statement. I reminded him that I didn't sign an indemnification, or contract to agree to change my mortgage, my insurance company confirmed coverage. He stated to me five times the following, " SunTrust Mortgage is making you pay for SunTrust Homeowners Insurance ( this is not a 3rd party, it's their very own homeowners insurance division ... meaning they make the profit off the policies ), because I defaulted for 14 days in XXXX and an evaluation has been done in XXXX where we are escrowing the annual payment for SunTrust Insurance, totaling {$1600.00}, since it started in XXXX, I have an escrow shortage back to XXXX and an additional {$120.00} will be charged to ensure we can pay our insurance premium. There can not be an evaluation, because once this is added it can not be removed. '' I asked, " So you are telling me that since I lapsed in coverage in XX/XX/XXXX for 14-days and have already paid the prorated fee for SunTrust to cover my home for those days in the amount of {$100.00}, that I was reevaluated 7 months later according to the document on my account, and am being forced to pay for SunTrust Insurance policy even though I am showing a proof of coverage and my insurance agent from XXXX XXXX is also confirming it resulting in an increase of {$230.00} per month on my monthly mortgage payment? '' He said, " Yes ma'am. ''
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| 04/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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1. On XX/XX/2019, I approached the Suntrust branch at XXXX XXXX XXXX, XXXX, XXXX, Georgia XXXX, with a check to deposit.
2. The check is in the amount of XX/XX/XXXX dollars and is made out to the nonprofit organization where I am XXXX, XXXX XXXX XXXX XXXX XXXX
3. We need immediate access to the funds, or at least to have no hold placed on the account.
4. The check was drawn on an account at XXXX XXXX XXXX that, if Suntrust had made any effort to confirm or certify funds, would have shown that the funds were available.
5. I asked the teller, XXXX, if she could call XXXX XXXX to confirm funds. She stated I would have to walk over to XXXX XXXX myself to confirm funds. I stated that this obviously would not assist with my funds being made available by Suntrust. After all, I didn't need to confirm funds myself, I am confident in the funds.
6. The teller next to her, XXXX, also became involved in the conversation. Neither seemed familiar with the process of what I was asking them to do. I had to explain that other banks in the past have been able to pick up a phone and confirm funds in order to make them available. They said they could not do that, that they could only deposit the check and they would not even be able to tell me whether there would be a hold.
7. Under duress, I deposited the check at the branch. The receipt did not state anything about a hold. I asked the tellers, and they said they had no information about any hold. This prevented me from undoing the deposit even if I wanted to ; I could have explored check cashing options or other options with the check but Suntrust withholds information from its customers that would allow them to make a good decision regarding what to do with their check.
8. I called Suntrust Customer Service, spoke with XXXX.
9. XXXX stated that the branch, in fact, at their discretion, could have attempted to contact XXXX XXXX, but apparently failed to even offer to do. XXXX stated that, if Suntrust was able to confirm the funds by phone, the branch would pass this information on to the " back office, '' that would then be able to not place a hold based on the information. ( Suntrust branch never did this. ) 10. XXXX also stated that as part of the back office processing that they would attempt to confirm the funds themselves, either electronically or by calling XXXX XXXX. ( Clearly, the back office never did this either due to either laziness or a desire to victimize me and my nonprofit. ) 11. I called the XXXX branch and left a message for the manager and Vice President, XXXX.
12. XXXX called me back in the late afternoon. He stated that calling XXXX XXXX would not do any good because they would refuse to provide the information, and he said that even with confirmation from XXXX XXXX and the writer of the check, that Suntrust would likely not release the hold. XXXX insisted that all banks had the same policies regarding this. ( which I do not believe is correct ).
13. Suntrust itself offers a merchant verification option for merchants who receive a check drawn upon Suntrust. When calling the customer service line ( XXXX XXXX XXXX ) and saying the words " merchant verification , '' Suntrust offers an option for the merchant to enter the account number and other information related to the check into the phone system to verify funds. If Suntrust offers this, it is unclear why they insist that no other bank does.
14. The Funds Availability Policy Disclosure for Deposit Accounts ( " Disclosure document '' ) states on page seven : " We will notify you if we are going to delay the availability of the deposited items and tell you when the funds will be available. '' However, Suntrust is not following its own policies. The tellers did not notify me even when I asked them ; customer service did not notify me even when I asked them ; and the branch manager did not notify on XX/XX/XXXX, even when I asked him. Then, on today, XX/XX/XXXX, my XXXX XXXX XXXX only shows an amount of the hold, not the date that the hold will be released. I had to actually call the manager, XXXX, to find out the dates.
See : https : //www.suntrust.comXXXX 15. The Disclosure document also states on p. 7, " If we decide to take this action after you have left the premises, we will mail you a notice of hold no later than the first business day after we receive your deposit. '' This implies that they are supposed to tell you *before* you leave the premises in normal circumstances, which they did not do. There is no evidence that a letter has been sent to me.
16. The Disclosure document also states on p. 7, " If you will need the funds from a deposit right away, you should ask us when the funds will be available. '' I do need the funds right away ; I did ask ; and no information was provided. Why is Suntrust encouraging its customers to ask questions to which no answers are ever available at the time of deposit, and where Suntrust has no interest or willingness in verifying funds to assist the customer? I recommend the following revision : " If you will need funds from a deposit right away, go to XXXX and realize that Suntrust does not care. '' 17. On this morning, the XXXX XXXX XXXX showed a hold in the amount of {$34000.00}, but did not state when the hold would be removed.
18. I called the branch and XXXX revealed that XXXX dollars is to be available tomorrow ; {$4400.00} will be available on the XX/XX/XXXX ; and {$30000.00} will be available on XX/XX/XXXX.
19. These dates do not bear any relationship to when Suntrust is to receive confirmation of funds clearing from the check. That is, there is no way it takes more than a week for funds to clear. Upon information and belief, Suntrust is intending to hold at least {$30000.00} of funds without any justification.
20. Suntrust agents have contradicted each other on numerous occasions throughout this process.
21. First, XXXX stated that the branch could call XXXX XXXX, but the branch, both tellers and manager, have refused to do so.
22. Second, XXXX stated that the back office would confirm funds as part of nightly processing. However, the back office has clearly have not done so, because if they had, they would realize that these are good funds that should be made immediately available.
23. Third, Suntrust is not following the promises it makes to customers in its Disclosure Document regarding customers being able to receive information regarding holds when the deposit is made ; and it is encouraging customers who need funds to ask questions about their funds that Suntrust refuses to answer and to which Suntrust is completely unwilling to assist. The Disclosure should make all of that clear - that holds are a big mystery, that there is no reason to ask questions, that Suntrust doesn't care whether the funds are valid and confirmable, that Suntrust will hold funds longer than necessary in order to victimize customers and profit off of them.
24. All of this is harming me, my nonprofit, and the people we serve.
25. Once these funds clear, I am closing this account.
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| 02/07/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
Older American |
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On XX/XX/XXXX, I entered into an Access 3 Equity Line Account Agreement with SunTrust Bank in XXXX, TN to mature XX/XX/XXXX ( the Agreement ). The basic terms of the Agreement are as follows : the term is 30 years ; the first 10 years is the Draw Period and the next 20 years is the Repayment Period ; there are 3 distinct Options for making advances and payments ; the interest rate ( APR ) for the Draw Period and the Repayment Period is based on The XXXX XXXX XXXX XXXX XXXX adjusted by a margin.
I selected Option 2 Advances and my margin was XXXX % for the Draw Period. I made all 120 payments during the Draw Period in a timely manner as agreed.
On XX/XX/XXXX, I received a call from my customer service representative at XXXX XXXX XXXX concerning the interest rate for the upcoming Repayment Period. She stated that the rate would be 4.94 %, a rate that had been set for all Access 3 Equity Line Account Agreements entering the Repayment Period at the current time. I expressed my dissatisfaction with the rate and asked what options I had with SunTrust Bank. She stated that I could apply for a new Access 3 Equity Line Account Agreement and I might get a better rate. I asked her to start the application process and to send me a copy of my Agreement. As my customer service representative, this lovely lady has been outstanding and professional in every way and I cant say enough good things about her as a SunTrust representative.
After obtaining a copy of the Agreement and reading it carefully several times, I had questions regarding the arbitrary and inconsistent methodology being used by SunTrust in establishing my APR for the Repayment Period. I then called customer service and asked to be connected to the department that handled questions regarding Access 3 Equity Line Account Agreements. I was transferred to the loan- servicing department and spoke with a representative in XXXX , Virginia . He retrieved my Agreement, reviewed it with me and stated that he was familiar with these loans and that according to my Agreement, the APR for the Repayment Period would be fixed at the APR in effect under the Agreement at the end of the Draw Period - 3.25 % at the date of our conversation ( my APR for the Draw Period had been established at a preferred-rate of The XXXX XXXX XXXX XXXX XXXX adjusted by a margin of XXXX % ). This conversation occurred in late XX/XX/XXXX or early XX/XX/XXXX.
I then called my local customer service representative and told her that the 4.94 % APR she quoted to me was not the proper APR under my Agreement according to loan-servicing. I explained to her that the rate quoted to me by loan-servicing was the APR in effect under the Agreement at the end of the Draw Period which was acceptable to me. At that time, I asked her to cancel the application for a new Access 3 Equity Line Account Agreement. The loan application was cancelled.
Upon receiving my XX/XX/XXXX Statement, I realized that something was wrong. My Option 2 Advances ( principal ) had been split between Option 2 and Option 3 and the Option 3 amount had an APR of 4.94 %. There are distinct differences in the Agreement between Option 1, Option 2 and Option 3 Advances and all of my advances have been Option 2 Advances. Per 120 monthly statements, 100 % of my outstanding balance was properly categorized as Option 2.
I have spoken to numerous persons in the SunTrust Bank hierarchy regarding my issues with their interpretation of the Agreement and the determination of my APR for the Repayment Period. The only person who appeared to have read the Agreement and had an understanding of its terms and conditions was the XXXX, Virginia loan-servicing representative. All other SunTrust personnel simply regurgitated that an APR of 4.94 % was being applied to all Access 3 Equity Line Account Agreements reaching the Repayment Period at this time, and that SunTrust Banks position is that it has the right under the Agreement to unilaterally establish an APR.
My issues are as follows : Per the Agreement : My APR for Option 2 Advances during the Draw Period is based on The XXXX XXXX XXXX XXXX Rate with a margin of XXXX %. This is clearly a preferred-customer rate. My APR for Option 2 Advances during the Repayment Period is based on The XXXX XXXX XXXX XXXX XXXX. The only margin mentioned in the Agreement specific to me is the preferred-rate margin of XXXX %. The 4.94 % APR unilaterally dictated to me for the Repayment Period is substantially in excess of the rate for a market-rate mortgage. After making 100 % of my payments as agreed for 10 years, how do I unilaterally go from a preferred rate to a rate substantially above market. In addition to my payment history the loan to value for this credit is 48 %.
I received assurances from the XXXX loan-servicing representative that my APR for the Repayment Period was to be fixed at the rate I was being charged at the end of the Draw Period. He is the only SunTrust representative Ive spoken with that appears to have read the Access 3 Equity Line Account Agreement and is familiar with interpreting its terms and conditions. I ceased looking for a market-rate mortgage elsewhere after speaking with him.
The Access 3 Equity Line Account Agreement is a poorly written, ambiguous and confusing document. The administration and accounting for the related loans is confusing and inaccurate. As an example, per my XX/XX/XXXX Statement ( copy enclosed ), all of my outstanding balance has been reclassified to Option 3. I have never made an Option 3 Advance. The amortization based on the unilaterally dictated APR appears to be correct but the reclassification of my Balance to Option 3 is inaccurate. If you talk to SunTrust regarding this matter, the regurgitation provided is that during the Repayment Period all Access 3 Equity Line Account Agreements are reclassified to Option 3. Nowhere in the Agreement does it provide for this reclassification. There is a big difference throughout the Agreement between Option 1, Option 2 and especially Option 3. However, for ease of reporting, lack of understanding of the Agreement, general lack of diligence or who knows what, the reclassification is unilaterally made during the Repayment Period. Then SunTrust personnel who havent read the document they are servicing explain the matter as if it is provided for in the Agreement.
I think it is possible that SunTrust Bank may be trying to eradicate all of the existing Access 3 Equity Line Accounts under the documentation utilized for my loan. The 4.94 % APR offered/dictated to me is so poor and out of line that it is otherwise inexplicable. If thats the case, its unfortunate for those caught in the trap.
Ive never reported a business for malpractice. I am an XXXX XXXX XXXX XXXX XXXX ( inactive ) and a former member of the Board of Directors of two banks. Ive decided it is time to report this Bank because of the serious deficiencies in loan documentation and general ineptness in their loan-servicing and accounting as it pertains to my above referenced account.
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| 12/05/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, I was advised when attempting to refinance a construction loan that I was being reported delinquent on an 2nd mortgage Adjustable Rate Mortgage that I have with SunTrust Bank.
On XX/XX/XXXX I called SunTrust Bank to inquire. I was advised that my account was past due. I immediately brought the account current and updated my information on the account. SunTrust had an address that did not belong to me and a phone number that I have never owned or authorized to be on my information. The address was a XXXX XXXX XXXX XXXX XXXX TN and the phone number was a XXXX area code. Neither are address in which I have ever lived or used for any personal or business transactions.
When speaking to XXXX XXXX from SunTrust on XX/XX/XXXX, I advised that the 2nd Mortgage account did not have the correct mailing address and/or contact information. I advised SunTrust that I have never received a statement from their institution regarding this Adjustable Rate Mortgage, changes in the rate or payment, attempts to collect, delinquency and/or refusal to post any further payments. This seems to be a Regulation Z issue ( e.g. 12 CFR 1026.20 ( c ) ).
I advised XXXX XXXX that I had called previously and had my personal information updated in XX/XX/XXXX and/or XX/XX/XXXX when this property was transferred to my LLC. All paper statements were to be sent to an Iowa address to the attention of my proxy. The LLC was responsible for paying these payments monthly and any change in payment would be sent to that address to the attention of my proxy. These accounts have been paid via bill pay perfectly for over 13 years.
SunTrust in stating that the XX/XX/XXXX and XX/XX/XXXX ARM changes were made and the payment of {$170.00} per month was now short and remained short for over two years. During that period of time I did not receive any communication from SunTrust. The {$170.00} payment has been paid monthly for 13 years. In XX/XX/XXXX SunTrust refused to receive any further payments. All notifications, attempts to collect were done to the wrong address and wrong phone number despite SunTrust having updated the correct 1st Mortgage account information and having a checking account with my personal and work information at their disposal. I have been a SunTrust customer for nearly 20 years. The account information has remained current on those banking accounts.
On XX/XX/XXXX, I opened a compliant with the Mortgage Escalations Resolution Team. XXXX XXXX took that call and advised they would call every 7 days until this is resolved. I received a call on XX/XX/XXXX regarding the compliant and that was the last contact that I had received from Suntrust. SunTrust did not honor their resolution commitment to make personal contact with me.
A letter was dated on XX/XX/XXXX that was sent to my attention by XXXX XXXX, Home Preservation Client Representative. This letter advised that within 7 days I would hear from SunTrust. On XX/XX/XXXX, SunTrust mailed a letter advising they would not correct the credit reporting and that my account was current as reported.
I called SunTrust on XX/XX/XXXX at XXXX and advised XXXX that I disagreed with this review completed by SunTrust and I wanted my credit corrected immediately. I advised that I had never received statements and the only reason for the delinquency was that SunTrust refused to post any further payments. I advised that I had not received any letter, phone calls, collect notifications from SunTrust. The only contact I have received is a copy of my banking statement via my work email and countless phone calls to purchase another credit card or refinance my mortgages. At no time did SunTrust notify me of the delinquency.
I also went by SunTrust Bank on XX/XX/XXXX and saw Personal Banker XXXX XXXX in person. The bank could only connect me to their collection department. The local bank did not know what the other departments were doing. The bank branch could not escalate or resolve this situation. SunTrust markets themselves as a single financial institution but when problems exist they hide behind different departments and claim to be separate entities.
As a result of this activity I now have a 60 day delinquent on my credit. My credit was XXXX before this activity by SunTrust. I am not able to refinance my XXXX construction loan due to this issue. I now have a payment on the construction loan that I can not afford monthly. I will not be able to pay down the construction note and refinance to a lower payment and using the equity of my existing sale to pay down the loan. Once I can refinance I will pay a larger rate due to the reported delinquency. I am experience an immediate financial harm and will {$60000.00} to {$75000.00} more interest over the life of this loan once refinanced. This issue was reasonably avoided if SunTrust would have updated the records with my correct mailing address that is current in the 1st mortgage but was never updated by their representatives on the 2nd mortgage. This could also been avoidable if the SunTrust personal would have call my personal checking account contact information. SunTrust failed to update all my records, failed to perform any due diligence, failed to make live contact when this account became delinquent. They also failed to send an adjusted rate mortgage statement to the customers requested address.
I would like for my multiple Regulation Z violations and the multiple UDAAP concerns to be researched.
This loan opened in XX/XX/XXXX, the address that was listed was not my address. I have never lived at that address. I also am concerned that the 1st Mortgage and 2nd Mortgage are adjustable rate mortgages and were financed at a 80/20 split. This was 100 % financing. I should have known that was not a good plan but I was young and ignorant at that time. This was a very aggressive loan for a young person to make. During one of the phone calls the SunTrust representatives advised that they had my loan listed as a primary residence. This loan was an investment property and was never intended to be a primary residence. I would like to have the sales practices reviewed. I purchased multiple properties that year for my rental business. This should have been deemed and investment property and never listed as a primary residence. I expect the sales person listed the XXXX address to ensure this was underwritten as a primary residence. SunTrust failed in underwriting this loan and should have not booked this load as a primary residence loan.
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| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In XXXX of XXXX, I secured a mortgage from SunTrust for the purchase of my primary residence at XXXX XXXX XXXX, XXXX, FL XXXX. Attached please find the closing disclosures and mortgage note. The PMI terms state removal can be requested at 80 % LTV and good payment history. Good payment history is specified as 12 months of no 30+ day late payment or 24 months of no 60+ payments.
In XXXX or XXXX of XXXX, I received notification in the mail of the sale of my mortgage to XXXX XXXX, but that SunTrust would remain the servicer. There was no disclosure of new terms related to my PMI or new investor guidelines that I agreed to. The updated terms of my loan in regards to PMI were not agreed to. They can not sell my loan and update loan terms without my consent. Line item # 20 in the mortgage note describes SunTrust ability to sell my loan, but nothing about being bound by a new set of terms should this occur. I would have never agreed to such. I never signed anything.
In XXXX of XXXX, I requested the removal of PMI as specified in the attached PMI disclosures. I was at that time told about XXXX XXXX investor guidelines. I disputed that XXXX XXXX investor guidelines were not the right disclosures I agree to at closing. They acknowledged at that time that the original PMI disclosures were the appropriate terms, but my request for removal was still denied because I did not meet the requirement of no 30+ late payments for the preceding 12 month period.
In or around XX/XX/XXXX, I filed a dispute for the payment they were regarding as 30 days late. The premise for that dispute was : In XX/XX/XXXX, I went in branch ( at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL XXXX ) to make a payment and the teller told me the wrong amount ( {$20.00} less than my normal payment ). I did not question the amount she presented because in XX/XX/XXXX I had made a slightly higher payment via my XXXX XXXX bill pay because I could not remember the amount owed. SunTrust held my XXXX payment and did not apply it to my account due to the tellers mistake saying they would not apply anything less than the full payment amount to the account. I did receive a letter in the mail stating this, but am busy and knew I would just take care of it with the XXXX payment. On XX/XX/XXXX, I paid the difference plus the payment for XX/XX/XXXX bringing the account current. They put a 30-day late payment in my record even though I went to the branch manager ( at XXXX XXXX XXXX. XXXX, XXXX XXXX, FL XXXX ) and explained the error. Ultimately, they denied my late payment dispute because I did not pay the {$20.00} in time to meet the 30-day commitment ( even though it was 1 day outside the timeframe ). I conceded knowing I could request again in XX/XX/XXXX. I learned an important lesson that inaction on my part would cause this process to drag on.
In XX/XX/XXXX, our request for a HELOC was approved based on an appraisal conducted by SunTrust ( attached ) that showed the value of the home to be {$360000.00}.
On XX/XX/XXXX, I submitted a request via online banking secure messaging portal ( as instructed by a service center rep on XX/XX/XXXX, screen shot attached ) to request the removal of PMI knowing that I was now at 12 months of good payment history.
Subject : Request to remove PMI XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please find the attached appraisal contingencies. I would like to remove PMI based on the recent appraisal value conducted as part of my recent SunTrust HELOC and 12 months of good payment history. Please confirm when this is complete.
I received no response to this message to date or any kind of confirmation that my request was received.
On or around the week of XX/XX/XXXX, I called to confirm receipt of my request. They confirmed my request was received and that the PMI showed in a review.
On or around XX/XX/XXXX, I called again to request a status update and was told the timeline was 30 days from receipt is when the review would be completed.
On or around XX/XX/XXXX, I called to get the status again and was told it was still in review and the file showed a completion date of XX/XX/XXXX. I asked if I would be credited back the PMI payment for XXXX since the review was taking longer than the specified timeline. The answer was no, that there would be no refund of PMI and that I am required to keep paying it until the time of removal.
On XX/XX/XXXX, I received the attached denial for my PMI removal request due to XXXX XXXX investor guidelines. Please note the following in the denial letter : Property As Is Value of {$340000.00} even though a recently conducted appraisal by SunTrust shows the value to be {$360000.00} ( which is an LTV of 67.64 % ) It shows 0 number of 30 days or more past due payments in the last 12 months and 0 number of 60 days or more past due payments in the last 24 months.
On XX/XX/XXXX, I called and spoke to a supervisor in the mortgage service center ( XXXX something ) about my disappointment around the denial being made due to XXXX XXXX guidelines that I never agreed to. She said that because they are the investor listed on the account there is nothing she could do to escalate the matter further until I paid for appraisal or BPO requested and submitted a list of substantial improvements as specified in the denial letter. I told her that I will not submit those because I did not believe those XXXX XXXX terms are the ones I should be held to. I believed I met all the requirements outlined in the PMI disclosures ( attached ) that I agreed to at closing. We were at an impasse of no further point of escalation so I expressed to XXXX that I then had no choice other than to file a complaint.
As you can see in the detailed timeline provided, I keep getting the runaround on removing PMI even though I have met all the terms on the PMI disclosures I received at closing. I never agreed to updated terms at the sale of my mortgage to XXXX XXXX. I feel like they are trying to defraud me of hundreds of dollars a month for insurance that is not necessary to protect an asset that has matured out of the PMI LTV specifications. I have made a tremendous effort to work with SunTrust throughout the process, but seek the protection of CFPB due to their complete lack of transparency and being told opposing things at every juncture.
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| 06/10/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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Web |
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On XX/XX/XXXX, I applied for a SunTrust Equity Line of Credit, with our own mortgage lender, SunTrust. I figured continuing the business with our own mortgage company would be a great idea, however, I was wrong. It has been a nightmare dealing with their loan department. The reason for applying for a loan was to help eliminate a lot of the credit card debt we had accrued. We have never been late on our mortgate and for them to treat us this way is UNNACEPTABLE. We needed about {$40000.00} to pay off ALL of my husbands cards and a few of mine. SunTrust ran my credit and I was advised that due to MY debt to income ratio they were not able to give me such a large amount. So, the representative Miss XXXX XXXX, NMLS ID # XXXX, Bank Officer/Loan Officer ( Client Care Specialist ), suggested that I re-apply jointly with my husband. Her thought process was that maybe 2 incomes would help with the calculation and value of home and income we both receive, etc. So, I applied jointly. Next steps were for me to submit a copy of my home owner insurance ( which my insurance brokers did the next day ) and she would schedule an appraisal once I agreed to move forward, which I did. However, I had to consistently keep following up with Miss XXXX, as she was not very responsive. I even told her in one of the phone calls, that I would appreciate a courtesy response acknowledging she had received documents. She agreed. I picked SunTrust due to the existing relationship I already had with them as our mortgage carrier, but now I regret it. A few days later we received a letter stating that we even though we couldn't get the full ' {$50.00}, XXXX, due to our home appraising lower than they expected ( about $ XXXX ), they only were able to give me {$16000.00}. ( But prior to that they also sent me an approval letter on XX/XX/XXXX stating they would consider {$21000.00}, but after appraisal an email from XXXX stated we can only get $ XXXX email and doc attached ) At this point we were discouraged and didn't know if even taking such small amount would be even worth it, so I started thinking of other options. Miss XXXX recommended I apply for a regular unsecured loan with the XXXX XXXX, and I did. I applied online for XXXX XXXX loan and was also denied. So now I have 2 hard hits on my credit report, which I want removed ASAP.
Once I got denied from the regular loan with SunTrust. I emailed and spoke to her XXXX and advised to move forward with the {$16000.00} process. At no point did she ask for additional documentation, in fact she stated she wouldnt need my spreadsheet with the credit cards because the amount was so little that I would be able to pay out the creditors on my own. She never requested paystubs, nor any additional documentation, she made it seem like everything was GREAT and we would be closing soon. I figured {$16000.00} is better than nothing.
One of the last conversations I had with XXXX stated that the closing could happen on Thursday, XX/XX/XXXX, ( at the local Branch in XXXX ) which I told her would be perfect because I had already scheduled a day off. So I emailed her on Wed, XX/XX/XXXX, wondering why I hadnt heard from her. I wasnt able to reach her on the phone so I reached out to Miss XXXX XXXX Vice President, Branch Manager II | SunTrust Bank , Inc. Let me just say that she has been AWESOME. She has been the ONLY one that has even cared about our issues and she has been very apologetic about OTHERS mistakes. NO ONE else has accepted responsibility for their actions. I explained I was very disappointed that the closing was not scheduled and I was very discouraged with the lack of communication from Miss XXXX. So she was kind enough to call another department and get an update regarding our closing. This is the point where we received even more bad news. Miss XXXX conferences in another lady from another department who went on to tell me on the phone that OUR LOAN HAS BEEN DENIED FOR OUR application for the line of credit of {$16000.00}. IM LIKE WHAT!!? How Is that possible?? The lady on the phone admitted that SOMEONE DROPPED THE BALL and she had no further explanation. So after XXXX on XX/XX/XXXX I emailed Delilahs Manager, XXXX XXXX at XXXX to call me immediately.
So the very next morning ( Friday, XX/XX/XXXX ) my husband went into the branch to speak with Miss XXXX regarding this crazy situation. He explained his disappointment and how we have been unfairly mislead. If a bank gives an approval letter, WE EXPECT AN APPROVAL. I have never experiences such unprofessionalism and so much confusion. Once my husband went into the branch, I believe they spoke to a XXXX, head of the Loan Dept. He advised for XXXX to send in his business taxes and for me to send in my last 2 paystubs AND our personal taxes and once received he would look further into the situation.
During the conversation XXXX and another rep named " XXXX '' also stated to my husband XXXX that the reason we were denied was due to my chapter XXXX bankruptcy, which occurred in XXXX, which is 10 years ago! That reason was a lie, because I currently have a XXXX credit score and there is NO reason my bankruptcy wouldve played a factor in a denial of {$16000.00} limit. Then they stated oh its because you ( my husband ) is business owner. Excuse after excuse. We should NOT be going through all this drama for a {$16000.00} credit limit on our home equity. I can get that amount in a credit card ALONE! I dont appreciate the lies nor the run-around this company has given us.
The evening that my husband spoke to XXXX ( XXXX ) we submitted the taxes, the paystubs, everything they needed. Then On Friday XXXX, I finally get a call from Mr. XXXX explaining again that even though we have submitted ALL necessary documentation they STILL wont honor the approval of {$16000.00}. The reason given this time was due to the income on my husbands business. ( As if both of us combined cant afford this line of credit ).
Trust me, as soon as a I get a chance we WILL be refinancing our mortgage with ANOTHER institution!
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| 07/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XX/XX/XXXX Report uploaded to https : //www.consumerfinance.gov/ Case # : XXXX I had no problem with my SunTrust personal checking account for 14 years. I routinely did an extremely careful paper check register to paper-statement reconciliation monthly ( checking that all transactions -- debits and depositshad been accurately accounted for ). I simply eyeballed my balance. No problems. ( I noticed small microwithdrawals several years ago, but never gave it a thought, since I have never had a problem with funds disappearing from my bank account and figured it was a minor error. ) However, on XX/XX/XXXX, I went online to see if large check had processed/been deposited and noticed an extremely low balance. In fact, about {$1500.00} had vanished from my checking account.
This terrified me and began what was one of the most complex, frustrating, and frightening experience Ive had, in which SunTrust almost seemed to be hindering any sort of investigation and most SunTrust employees seemed uninterested in my disappearing funds.
Between XX/XX/XXXX and XX/XX/XXXX, I : - Visited two SunTrust branches ( one branch manager gave no indication that I might have been a victim of fraud/theft but babbled that she would " solve the problem '' - Called the SunTrust fraud department multiple times ( only to be hung up on repeatedly before I even got through -- I finally gave up ) - Was finally assigned a case number and left multiple messages ( including that I was likely the victim of theft or fraud ) for the SunTrust investigator assigned to my case, XXXX XXXX, who never returned my calls until XX/XX/XXXX - Called the several GA banking regulators, who eventually passed me on to the Consumer Financial Protection Bureau, which advised me to " let SunTrust do their investigation '' before calling back - Summoned the local police department, to lodge a formal fraud incident report ( the police later told me they could not help me locate my funds and advised that lodging a complaint with the Consumer Financial Protection Bureau was a good next move ) On XX/XX/XXXX, I explained to Mr. XXXX and the SunTrust fraud department ( which he called to listen as a third party ) that I do not know where the funds went or on what dates or in what amounts. I explained to him that I would be guessing and I do not work for a bank and can not see behind their doors and into their systems to see how they conduct transactions or business. I told Mr. XXXX I suspected the theft had happened recently, because otherwise I would have been bouncing checks. He repeated multiple times that without exact times, dates of amounts of transactions, I have no recourse and there is nothing to dispute.
I then asked Mr. XXXX, You mean the burden of proof is on me, despite the fact that I did not misplace my {$1500.00}? He responded, Yes.
NOTE : All my calls to SunTrust investigator XXXX XXXX were on a recorded line, including the one where Mr. XXXX said it was OK for me to close my compromised SunTrust checking accountnow minus the {$1500.00} of my funds that have evaporated as a result of theft, internal incompetence, hacking, cybercrime, or other/unknown reasons.
NOTE : I unfortunately just learned that SunTrust is known for lax IT security. The bank finally reported internal fraud in early XX/XX/2018, in which a SunTrust employee divulged millions of customer account numbersand perhaps most telling -- Information about clients that might have been exposed in the breach includes name, address, phone number and certain account balances. ( see below ) ARTICLE SOURCE : XXXX XXXX ARTICLE DATE : XX/XX/XXXX ARTICLE TITLE : SunTrust said employee worked with outside criminal when info on XXXX clients was breached ARTICLE URL : XXXX : XXXX XXXX XXXX Accounts for as many as XXXX XXXX clients at SunTrust Banks may have been compromised after an employee stole client contact lists, the company said Friday.
During an earnings call Friday morning, SunTrust CEO XXXX XXXX said the employee, who has now left the company, was working with a criminal third party when the client contact lists were stolen.
Information about clients that might have been exposed in the breach includes name, address, phone number and certain account balances.
ARTICLE SOURCE : MONEYWATCH ARTICLE DATE : XX/XX/2018, XXXX XXXX ARTICLE TITLE : SunTrust Bank says information on 1.5 million customers may have been exposed ARTICLE URL : XXXX : XXXX SunTrust Bank disclosed Friday that a former employee may have shared information on 1.5 million customers with a criminal third-party.
The bank learned of the potential breach in XX/XX/XXXX and immediately began an investigation with the help of " outside experts '', a spokeswoman confirmed to XXXX XXXX. She declined to provide details on the former employee or the status of the investigation.
At first, SunTrust thought the information was " contained, '' the spokeswoman said. The company decided to notify customers when it determined that information including names, addresses, and certain account balances were printed " for use outside of SunTrust. '' According to SunTrust, personally identifiable information such as Social Security numbers, account numbers, driver 's license numbers and ATM pins were not exposed.
Law enforcement officials have been notified.
SunTrust CEO XXXX XXXX apologized to the customers who were affected by the incident and is providing them with free credit monitoring.
" We have heightened our monitoring of accounts and increased other security measures, '' XXXX said. " While we have not identified ( any ) significant fraudulent activity, we will reinforce our promise to clients that they will not be held responsible for any loss on their accounts as a result. '' Laws in all 50 states require the notification of consumers when personal information that could make a consumer vulnerable to identity theft.
A recent report from security firm XXXX XXXX argued that thieves are doing a brisk business selling stolen bank account information.
-- END --
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| 01/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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We have a mortgage with SunTrust bank. We moved into our brand new walk out basement style home XX/XX/XXXX We are presently paying PMI. We requested to have the PMI removed. On XX/XX/XXXXwe had our first appraisal by XXXX XXXX with XXXX XXXX XXXX XXXX,XXXX out of XXXX XXXX, Fl, one county south of our home. The appraisal came back 1% off (a little over $3,000 off) from the required 75% LTV rate.Upon our assessment of this appraisal, there were many concerns and factual errors. One of them including the use of XXXX standards of measurements of GLA (gross livable area) on our basement home but not on the first comparable basement style home next door to us. That was at XXXX assessment. Then the appraiser had the "actual age" of the first comparable incorrect. His report stated 0 years when in fact it was 2 years old, a XXXX assessment. There were other concerns and a letter was written regarding our concerns to SunTrust Bank. After much confusion as they had misplaced this letter, SunTrust responded with a new appraisal at "no cost to us." Unfortunately, they did charge us a XXXX bill (above an beyond the cost of our original appraisal of XXXX.). After much hassle, we were able to get the money reimbursed back into our account.Due to the errors on the first appraisal and not having an appraiser from our local area (as much of the errors were due to not having knowlege our local market), we fairly requested the second appraiser to be from our county, XXXX XXXX County. SunTrust would not match our request despite our written concerns. The second appraisal was performed on Saturday, XX/XX/XXXX by XXXX. XXXX XXXX XXXX from XXXX XXXX XXXX, XXXX out of XXXX XXXX Florida. This again is in another county, XXXX County. After waiting 6 weeks for the report, we were called by XXXX XXXX with report that the appraisal is $10,000 less than the first report. We were told the bank would be gracious enough to use the first appraisal. We then asked for a copy of this report for review. Upon review on XX/XX/XXXX, It was apparent there were some issues again. First, we had 1805 sq ft of unfinished basement space apparently not assessed on this appraisal. Second, we did not see any documentation showing any value or acknowledgement given to the over $60,000 worth of home improvements. Actually, we have a XXXX assessment for our "condition" when compared to comparables in our neighborhood. Except with one comparable, which is 12 years old, we are equal in condition assessment. On the first appraisal in XXXX we were given a XXXX assessment. We notified SunTrust through XXXX XXXX on XX/XX/XXXX of these concerns. With many email communications sent to SunTrust regarding status of our new review, we finally received a response via email from XXXX XXXX on XX/XX/XXXXIt states the appraiser was unable to find any similar style homes as we have a walkout basement style home. However, we have 2 others on our street. It further states this unfinished basement (which is centrally heated/cooled, has power/lights, dry with a sump pump, and insulated) is an "amenity" and has "no market reaction as to assigning any more value that would be given to a storage area." No further cause for reconsideration of value with the appraiser. Still no response to the lack of assessment to the upgrades .With much surprise, as the bank surly was OK IN ACCEPTING value to this unfinished space when trying to get the home loan, but now, trying to remove PMI, it is no longer of value. Actually, the other 2 homes next door to us that also have unfinished basement space "amenities" was also shown to have value upon selling and appraising of their homes for their required mortgages. We fail to understand how it is OK to accept the above reasoning for not assigning value when in fact there is proof in our VERY local market of value, including in our original home appraisal by the bank completed onXX/XX/XXXX So today we called our XXXX XXXX elected county Appraiser, XXXX XXXX. He has been aware of the issues with our appraisals. Upon further research, he stated his main red flag with this second appraisal is that it comes in almost $4,000 LESS than our assessed taxes.(This is all public knowledge by going online to do a property search and XXXX XXXX has in the past welcomed any calls by SunTrust or out of county appraisers). XXXX XXXX then explained, our property taxes are based on a Market Value Approach. This is based on recent home sales in our local area. The assessed tax value is 75%-80% of the True Market Value. He is unsure how a fair appraisal would then come in LESS than the taxed assessed value. He stated it can only happen if our home was run down or had a big decline in sales and values in our area. This is not the case as seen by recent sales in our area. He did a computer assessment which can be off by as much as 10% and our lot/home value came up as $450,000. Even at a 15% decrease that is XXXX. Our assessed taxes are at XXXX (Lot XXXX and home XXXX). The second appraisal came in at XXXX. He understands as an appraiser for the county, appraisals are not based of price per sq foot, however he states there should not be a huge difference in price per square foot if the homes compared are good comparables in location, size, features and condition. He was surprised to see our home price valued at XXXX a sq ft while the other 3 comparables (1 including a basement home) ranged from XXXX - XXXX per sq foot. Even our next door neighbor's home, which is a basement home, sold 1 1/2 years ago at a value of XXXX a sq ft. He is puzzled at how these appraisals continue to be so low, as are we. Unfortunately, it appears fraudulent, at the minimum, with inaccurate and unfair appraisals being performed in order for us to continue our PMI payments. SunTrust response times were exceptionally long (now with 6 payments made since our first appraisal). SunTrust bank has copies of all our letters, appraisals, and correspondences.
|
| 02/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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My name is XXXX XXXX and I am highly upset and frustrated with the way SunTrust bank is handling my account and funds. I opened a new checking/savings account with this institution on XX/XX/19 and immediately set up direct deposit for my direct student loans, federal tax return, and employee payroll. I initially deposited {$100.00} upon opening the account and was able to actively use my account for 2 weeks prior to depositing my student loan check that I received from the University of XXXX XXXX ( XXXX ) in the amount of {$7700.00}. I made this deposit on XX/XX/19 through the ATM machine at one of the SunTrust locations. The following morning, I checked my account to see the status of my check and a notification stated that the funds were being held until XX/XX/19. Later in the day I attempted to check my online account to see if there has been any update and was shocked to find out my user name and password was revoked. Upon calling the bank to confirm what the issue was, I was informed that my account was frozen and in the process of being closed out and my funds were being held until XX/XX/19 due to confidential information received from the payee XXXX XXXX XXXX stating monies of the check would not be available. Please be advised that this check was approved from the Government Financial Aid for my student loans and I have never had any issues with these payments in the past prior to this. The representative I spoke with name is XXXX on XX/XX/19 at XXXX XXXX in the morning, and she advised to allow the full processing time to complete until XX/XX/19 and at that time she would personally call me to advise what would be happening with my funds and account.
On XX/XX/19 I received a letter in the mail from Suntrust notifying me that my account was closed out per my request or because my account was at a {$0.00} balance for 35 days or longer. Obviously, as I stated earlier this was a new account and I did not request my account to be closed out. I then contacted the customer service department to inquire as to why my account was being closed out. I spoke with the supervisor named XXXX XXXX and he informed me that Suntrust bank can close an account without any reason or justification as it is at their discretion. He then also informed me after inquiring to the back office that my check is under fraud investigation and my funds will be held for up to 120 days. I requested to know where I can find this policy as I have read the policies handbook and it does not state anywhere that they are able to hold any funds for this extensive period. After inquiring to the back office once again, XXXX advised that they also do not have this information, but he could send my question to your research department and it would take 3-5 business days to get back to me. He also could not provide the exact date of when the 120-day period will be starting and finishing but advised that it would be around the time I deposited the check. I was then advised to contact the check issuer and request them to recall the check.
I immediately contacted my school, XXXX University of XXXX XXXX and spoke with the accounting manager named XXXX who tracked the check and advised that they would not be able to recall it as it has already been cashed by your institution. I am appalled from the incorrect information the bank supervisor provided, as it seems extremely odd that I would be told to have the check recalled after it has already been cashed. I also find it extremely odd that my check is being investigated for fraud after they already cashed it. It is my understanding that a bank needs to verify a check prior to cashing it. XXXX then reached out to the bank and spoke with the supervisor named XXXX XXXX. He was able to confirm the check account/routing number and assured to the supervisor that the check is not a fraudulent check. The bank supervisor XXXX XXXX then reached out once again to the back office and informed XXXX that he would need to have the bank issuer being XXXX XXXX XXXX contact SunTrust with a hold harmless agreement to have the funds released faster however, if this can not be done then I would need to call back in XXXX for status of the funds investigation. Please note that XXXX, the manager of accounting for XXXX, advised that he never encountered a situation like this and that is not something they would normally do as the check has already been cleared and cashed by your institution.
I am a XXXX-year-old woman working full time and going to school for my XXXX XXXX in XXXX XXXX. I have XXXX children ages XXXX, XXXX, XXXX, and XXXX and I was depending on this refund check to catch up on my bills such as my rent, car note, utilities, groceries, etc. This company has put my family in a horrible predicament and I am facing serious financial hardship because of this. This is a nightmare that I am not waking up from. Upon researching reviews of this bank, I am astonished to find out that this is a common issue as many people are reporting that they have closed out their bank accounts with no regard and have held their funds for months with no explanation. The way this institution is being conducted is very unethical and I am being treated as if I were a criminal. I feel I am being discriminated against and treated very unfairly. I am suffering great financial and emotional stress behind this. I have had to take numerous days off work to handle this situation at hand which is now affecting my job. I do not owe Suntrust bank any money and they have absolutely no right to make up their own rules and regulations when it comes to bank policies, as they have not provided any proof in writing that they have a policy where they are able to hold a persons funds for up to 120 days with no consideration and regard.
|
| 02/06/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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My husband and I originated a loan on a condo in Washington D.C. with Suntrust in XX/XX/XXXX. An escrow account was implemented at closing. In XX/XX/XXXX, we received a notice of delinquency from Washington D.C. 's Office of Tax and Revenue ( OTR ) related to unpaid second half XXXX taxes. We contacted Suntrust regarding the unpaid property tax and Suntrust insisted the property tax on our parcel had been paid in XX/XX/XXXX. We reviewed publicly available records for our parcel and it was clear the property taxes had not been paid. Not wanting to risk further deficiency with the city, we remitted the property tax payment from our own, non-escrow bank account, including overdue and interest fees amounting to {$130.00}.
In XX/XX/XXXX, I received our annual Escrow Disclosure Statement from Suntrust. The statement notified us that our escrow balance was in shortage and that our payment would be increased. I found it unlikely that we could be in shortage so soon after the loan origination when none of our expenses had increased. I reviewed the statement and noticed a payment of {$2600.00} made on XX/XX/XXXX by Suntrust out of our escrow account. This was allegedly for city tax paid. I knew this amount was erroneous because our property tax bill at the time was only {$930.00}. I reviewed the D.C. OTR website for payment records and realized that Suntrust had erroneously paid property taxes out of our escrow account on a parcel not owned by us, but with a similar address. This accounted for the {$2600.00} payment out of our escrow account that had resulted in a shortage. I notified Suntrust immediately and after much back and forth over 45+ days and spending more than twenty hours trying to remedy the issue, we were issued a escrow refund on XX/XX/XXXX in the amount of {$2800.00}. This refunded amount was comprised of the {$2600.00} that had erroneously been paid on another parcel, plus the {$130.00} we paid in late fees in interest for the property tax being unpaid on our parcel. This refund caused our account to be in surplus over the statutory maximum of funds that can be held in escrow, so we received an escrow refund on XX/XX/XXXX of {$2200.00}. We considered the issue resolved and did not experience any issues in our escrow account after the events described here.
On XX/XX/XXXX, my mother in law ( not a member of our household and a party entirely unrelated to this issue ) was contacted by a debt collector called XXXX, XXXX XXXX XXXX ( " XXXX '' ). When the information was passed along to me, I contacted XXXX and spoke to a very rude woman named XXXX XXXX. XXXX had very little information about the debt and only indicated that we owed {$2600.00} to a " XXXX. '' We did not know who or what XXXX was. XXXX XXXX did not have additional information about the debt or what it pertained to. Her only information was that it was a " mortgage processing thing. '' I contacted XXXX and after nearly 2 hours of attempting to figure out where this debt may have originated from, I was directed to the property tax department, where XXXX processes property tax payments on behalf of mortgage companies. XXXX is the company that erroneously processed the property tax payment on the incorrect parcel in XX/XX/XXXX. After speaking to XXXX XXXX at XXXX, we discovered that XXXX alleges that we owe {$2600.00} in relation to the property tax payment from XX/XX/XXXX because XXXX, at Suntrust 's request, issued an " escrow advance '' to Suntrust in relation to our account in XX/XX/XXXX in an amount equal to the disputed amount of {$2600.00}. It should be noted that this advance request was not authorized or requested by my husband or myself, nor did we receive any communication on the matter from Suntrust. It is XXXX 's belief that Suntrust subsequently received reimbursement for the erroneous payment from the D.C. OTR, and had then disbursed those funds to our escrow account in addition to the original XX/XX/XXXX refund. As you can see from reviewing our attached escrow statement, my husband and I have only been reimbursed initially for the erroneous payment, back in XX/XX/XXXX. There has been no " double payment '' of any fees that may have been recouped by Suntrust from the city or any other source. However, XXXX alleges that Suntrust has advised that they must seek reimbursement of the advanced amount from myself and my husband, despite the fact that we have no relationship, contractual or otherwise, with XXXX, did not request the advance on the escrow that Suntrust requested, and have not received any additional funds from Suntrust in our escrow account. We never received any of the mailed communications that XXXX alleges were sent out in the second half of XXXX. These communications are attached for your review. We have attempted, unsuccessfully, to resolve this issue with both Suntrust and XXXX.
This egregious error represents a mishandling of our escrow funds and a breach of Suntrust 's fiduciary duty to its clients. XXXX has no reasonable basis to assert that a debt is owed by us to XXXX, as XXXX did not require Suntrust to provide any evidence that it had disbursed funds to our escrow account. XXXX wrongfully turned this matter over to a very aggressive and intolerable third party collector without any basis for establishing that a debt was owed. My husband and I have spent 40+ hours of our time to date trying to resolve this issue and it has caused us a great deal of stress and anxiety. Responses from XXXX and Suntrust to date have not been adequate and the issue remains unresolved. XXXX has asked that the debt collector put a hold on seeking collection on our account, but has refused to clear the debt from our account, despite acknowledging that there is no evidence that we owe a debt to XXXX.
|
| 12/29/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Suntrust Mortgage Loan # : XXXX To Whom It May Concern, My name is XXXX XXXX residing at XXXX XXXX XXXX, XXXX, North Carolina, XXXX. I unfortunately have a mortgage via Suntrust with a loan number of XXXX. Please note that Suntrust was NOT the mortgage company who I got my original mortgage thru when I purchased my house at the address above in XXXX of XXXX. My original lender was XXXX XXXX XXXX. I would have NEVER chosen Suntrust Mortgage as my mortgage company and even complained formally when my mortgage was sold to Suntrust as I was afraid of this bank/lender based on its well know terrible reputation of misleading customers, penalties paid to the Department of Justice for misleading customers as seen at this link https : //www.justice.gov/opa/pr/suntrust-mortgage-agrees-320-million-settlement and many more complaints that Ive come across online from innocent victims.
I need assistance as Suntrust Mortgage is shaking me down and extorting me with regards to a mortgage modification I entered into with them on XX/XX/XXXX. I fell only 2 months behind in payments for mortgage due on XX/XX/XXXX and XX/XX/XXXX and immediately contacted Suntrust Mortgage. Note that Im on FULL SOCIAL SECURITY XXXX thus on a fixed income and trying to make every effort to make ends meet. Suntrust immediately assured me that there were several modification options for me as my loan was an FHA and I would fall into the FHA-Home Affordable Modification Program ( HAMP ). I got a formal letter from Suntrust on XX/XX/XXXX that I was approved for the program and that if I made 3 consecutive trial payments of {$1000.00} beginning XX/XX/XXXX I would qualify for a mortgage modification allowed by FHA on a permanent bases due to my XXXX. I repeatedly asked Suntrust representatives by phone what would happen after the three consecutive payments were made on time and repeatedly was told that most often the mortgage would remain at that rate I was paying via the trial period and that the 2 to 3 months that I fell behind on my mortgage was going to be put on the back end of the mortgage agreement. Nothing more that that. NOTE that In late XX/XX/XXXX I filed for Chapter XXXX Bankruptcy and was fully discharged in XX/XX/XXXX and that I informed the court and the trustee that I was in full modification mode with Suntrust and nothing to worry about with regards to foreclosure ( as Suntrust had assured me we were not in that process whatsoever ) or any other payment issues to deal with when it came to my lender as the trial modification was moving along smoothly. I was excited to be fully compliant and successfully completed the Suntrust/FHA Trial Modification Program on XX/XX/XXXX with my last of the three trial payments received by the lender. On XX/XX/XXXX I received a congratulatory letter from Santrust informing that I fully complied with the loan modification trial agreement and to look for a permanent modification letter shortly via XXXX XXXX.
On Friday, XX/XX/XXXX, I got a phone call from Suntrust Mortgage informing me that my mortgage payment would remain about the same moving forward as it was during my trial period BUT Suntrust was going to add a lean of {$20000.00} on the back end of my mortgage for the 3 months I fell behind ( actually I was behind for 2 months and Suntrust asked me to not make my 1st trial payment until XX/XX/XXXX thus adding the 3rd month ). I asked the representative how in the world they came up with that math and she said it includes your 3 months of non-payments and late charges and foreclosure paperwork work and attorney fees and so on. To my SHOCK I asked the representative what in the world she was talking about as I was told that I was NEVER in foreclosure status as by immediately doing a modification prevented me from all the unnecessary fees and charges that would otherwise come with a full blown litigation, mediation and so on. I told the SunTrust representative that it was a shakedown and extortion for SunTrust to say to me and FHA to pay a {$20000.00} penalty for less than {$4000.00} I owe or lose your house. SunTrust is shaking me down and trying to extort from me. Even my Bankruptcy Attorney today was baffled by the {$20000.00} claim by SunTrust and so was the FHA representative who I spoke to in XXXX, NC who I filed an official complain with ( XXXX ). Can SunTrust arbitrarily claim an amount to pay, unannounced, or jeopardize losing your home? I was NEVER I told that there was going to be any such fee at the conclusion of my loan modification other than the 3 moths missed combined would have been put on the back end of my mortgage. Otherwise I would have NEVER agreed to the terms and would have informed my bankruptcy trustee.
Clearly, this stunt, shakedown and extortion by Suntrust of misleading me as their clients is nothing new, based on the XXXX penalty they paid to the Justice Department as seen here https : //www.justice.gov/opa/pr/suntrust-mortgage-agrees-320-million-settlement. Clearly, they are back at the same stunts of misleading the people who reach out to them for mortgage assistance via FHAs HAMP program. Suntrust is told me today to return a notarized agreement that I would pay them {$20000.00} on the back end of my mortgage that I dont owe them, have zero knowledge about or been informed of in advance or jeopardize losing my home completely? Nothing short of disturbing how Im being shaken down and extorted. Suntrust clearly made false statements about their ability to offer a loan and illegal tactics to collect on mortgage balances.
Regards, XXXX XXXX
|
| 06/04/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Snapshot : On XX/XX/XXXX, I deposited a tax refund check into my essential checking account in the amount of {$1000.00}. SunTrust has wrongfully withheld the funds that were deposited into my account. I have never had any debt with SunTrust nor have I accrued any fees associated with this bank. As of date, SunTrust has not issued the funds that remained in my account before they abruptly closed the account due to a 4D code. SunTrust has not attempted to verify the authenticity of the deposited check by contacting the IRS- whom issued the tax refund check. Between XX/XX/XXXX and XX/XX/XXXX, I have contacted SunTrust on numerous occasions and no one has provided information as to why I have been treated so poorly. Because of the negligence of SunTrust, I was unable to provide transportation to go to work, which was the purpose of the deposited check. Because of SunTrust, I lost my job. Furthermore, in XX/XX/XXXX, SunTrust notified me that my information was compromised. As a result, unauthorized accounts have been opened and unpaid which has severely lowered my credit score. As a loyal customer, SunTrust has no right to withhold my earnings. I have been wrongly treated by SunTrust as a human being and a customer. And because of this, i have now contacted a lawyer.
Logistical Information : XX/XX/XXXX, tax refund check deposited into essential checking in the amount of {$1000.00} ; Deposited at SunTrust branch location:XXXX XXXX XXXX, XXXX , NC XXXX ; Posting date XX/XX/XXXX ; Capture date : XX/XX/XXXX XX/XX/XXXX, I was informed that the funds from this deposited check would be available on XX/XX/XXXX, however when these funds were not available on this date, I contacted the SunTrust branch on XXXX XXXX and the branch manager assured me that these funds would be available the following business day. This was false, as these funds were only partially released to me during the following week of Monday, XX/XX/XXXX.
XX/XX/XXXX, {$19.00} was debited from my account. After this SunTrust placed a freeze on my account and did not allow me to access any further funds. I also filed a complaint with SunTrust on this date utilizing the XXXX number. The representative stated that my account was temporarily disabled due to suspicious activity and my funds would be released by the conclusion of the day.
On XX/XX/XXXX, the branch manager at the SunTrust branch on XXXX XXXX was contacted. She assured me that these funds would be available the following day. SunTrust was contacted at XXXX. On this day, I spoke with three representatives. No SunTrust representative was certain as to why my funds were not available. I was encouraged to visit the branch were my account was opened for further information that could not be discussed over the phone. I also spoke with representatives from the XXXX contact for SunTrust. Every representative kept giving me the run around and wouldnt provide me with my funds that were deposited into the account.
On XX/XX/XXXX, I visited the SunTrust branch location on XXXX XXXX XXXX, XXXX, NC XXXX. The brand manager as well as the account representative was confused as to why the SunTrust representative over the phone insisted that I visit the branch location and could not provide any assistance. Bother were also confused as to why the funds still remained unavailable. The representative contacted the corporate number for SunTrust and also filed a complaint on this day. The branch manager was also unaware as to how to resolve the matter. Because of this I also placed another complaint with the XXXX number for SunTrust. The representative was extremely rude and uncourteous. She did not want to file the complaint and acted as if she was placing the complaint, but did not until I asked for the complaint confirmation number. Proceeding, I had to repeat everything previously stated, because she did not file or notate the complaint.
On XX/XX/XXXX, I was contacted by XXXX- a SunTrust complaint representative. She also was unsure why the funds still remained unavailable and assured me that she would investigate this matter and provide me with some clarification.
On XX/XX/XXXX, I contacted XXXX and did not receive a response. I also contacted the SunTrust XXXX contact and no one could provide any further information or provide my funds.
On XX/XX/XXXX, XXXX- the complaint representative, stated that SunTrust would close my account and hold my funds until they could verify that the check was issued from the IRS as a tax refund check and if they couldnt my check would remain in their possession until XX/XX/XXXX.
From XX/XX/XXXX-XX/XX/XXXX, I contacted the IRS. According to the IRS representatives, no SunTrust representative contacted them in order to verify the deposited check. The IRS was unable to collect the funds that remain in the possession of SunTrust, because the check was signed and deposited into the SunTrust account. During this time, I have also contacted XXXX who has not returned any of my messages. Other SunTrust representatives have not provided any information.
On XX/XX/XXXX, I received a check from SunTrust in the amount of {$1.00}, which was the balance remaining in my savings account. No other checks have been received.
On XX/XX/XXXX, I received a letter from SunTrust stating the hold reason code stated above for the Regulation CC hold corresponds to a reason listed below : 4D- We have confidential information that indicated the check may not be paid.
As of XX/XX/XXXX, I have yet to receive the funds that were deposited into my now closed account. The IRS has not been contacted by SunTrust.
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| 06/24/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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I have an ongoing issue with Suntrust Bank attempting to close my savings account, which they refused to do. They also refused to give me any explanation.
It all started on Friday, XX/XX/XXXX, when I found out I could not log onto online banking ( which I have had for 10 years, I have been a customer since I was a kid ). I was then directed to call their call center. I called, and after entering the last 4 digits of my social security number and pin number for the account ( which were all verified ), I spoke to a representative. She asked for a " valid phone number that can send or receive texts to receive a verification code. '' I provided the number, which I happen to be calling from. I was quickly told it " failed the verification test. '' I asked what it meant to fail the verification test. She told me that because I failed the verification test I had not other option then to visit a branch ( I can not visit a branch because I live in New York and the nearest branch is in Maryland ) I then insisted on talking to a manager. I got XXXX of their XXXX Florida Call Center ( XXXX ). She presented herself as the Supervisor.
She then told me that I could not continue over the phone because I did not provide a valid phone number that received texts. When asking what a valid phone number meant to them and letting them know that this phone works fine ( thats the phone number Im actually using ), they were not able to explain further. When asking what the criteria was for providing a working phone number, they were unable to say.
When I asked if I could provide another number to receive the verification code, she said no. Again, like the previous person, she said I would have to wait 24 hours or walk into a branch. Again, when I told her that I could not physically walk into a branch ( as I live in New York ). Again, she said those where my only two options.
I called again the same day with the same number just to see. I was directed to XXXX, a technical support expert who tried again and told me it was unable to pass the verification test ( XXXX ). I asked why my own phone which Im using and which is associated with the account, can not pass a verification test and he said he had no idea it just " says in our system 'pass or fail. ' I then asked if could I provide another phone number. He said " unfortunately no, you only get one chance so you have to wait a day. '' I asked if it had to be the phone number associated with the account. He said, and I quote : No.
My next attempt to close the account was Monday, XX/XX/XXXX. I first got a XXXX XXXX from the Customer Care Department, ( XXXX ). I was curious where Ms. XXXX was located and she then revealed that she was talking from the XXXX. I went through the same process with her, but with one difference. I provided a new cell phone number.
But the second number also " failed the authentication test, '' ( this is strange since Ive been texting back and forth with that number before, during, and after this exchange ).
I told her I no longer cared about online banking or doing business at all with Suntrust since Suntrust is not allowing me to access my account. I would officially like to now close the account. Please send mail me a check for the full amount.
She said that was ok, where would you like the check to be mailed. I gave her my present address in New York, but just before I finished, she cut me off and said that, Unfortunately, we will be unable to close your account. I asked why and she said, Because the phone number given did not pass the verification test.
I then asked to speak to the manager. I was connected to XXXX XXXX, the Client Solution Supervisor of the Client First Solutions ( CFS ) Management Office.
XXXX said, " Unfortunately, because you didnt provide a phone number that can send and receive texts, we can not shut down your account.
Assuming the issue is really about identification rather then a phone number that can provide texts, I asked if there was any other information she needed to verify that this is my account. She said, No. I asked to speak to someone higher than her.
She left me on hold, then came back and told me that she had spoken with her boss, XXXX XXXX the Client First Solutions Manager of XXXX, TN, CFS Management Office. Although he was obviously there and able to speak to XXXX XXXX, she claimed that, He was unable to come to the phone right now. She then tried to give me two address which to file a complaint. I told her I had no interest in filing a complaint, I simply wanted to close my account ( I noticed that the addresses where in house addresses with Suntrust ). Asking again why I could not simply close down my account, she could provide no reason.
Suntrust is going through a big {$66.00} billion merger at the moment, so it is in their interest to keep their accounts open. They are also going through a shareholders lawsuit based on this merger ( see XXXX ).
In addition, I had noticed that money was being withdrawn from my checking account numerous times at the rate of {$10.00} per Statement Period, giving no explaining what-so-ever. They only refunded the money when I discovered this withdrawl and called to make inquires. There have also been numerous complaints about this Suntrust practice.
As a result of these actions by Suntrust, I have been denied access to my account, denied access to the funds in my account, and can no longer even check my account to see if theyre continuing withdrawing money from it. Even more shocking, I can not even close my account.
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| 10/06/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XXXX XXXX, 2017, I spoke with XXXX at the Insurance Center for Suntrust Mortgage Company for instructions regarding an advance payment received for flood damage to our home due to Hurricane Harvey. Please note that flood insurance is not required by the mortgage company. My husband and I purchased the policy on our own in an abundance of caution. XXXX informed me that because the check was over their policy limit of {$20000.00} I would have to mail the check to them, and they would in turn re-issue a check made payable to my husband and myself for {$20000.00}. He asked that I include the letter from the insurance adjuster indicating that this payment was an advance. Later that day I called back again for other information and I spoke with a lady who informed me that Suntrust was going to have a temporary site here in XXXX from XXXX XXXX, 2017 to XXXX XXXX, 2017 and that I could take the check there to have it endorsed. She gave me the address as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas and their hours would be XXXX XXXX to XXXX XXXX. On XXXX XXXX, 2017, I called the Insurance Center again to verify the temporary site address here in XXXX and XXXX informed me that I could not take the check to be endorsed there as the amount of the check was over {$20000.00}. She told me that I would need to mail it in and they would then process it and release the {$20000.00}. The remaining {$10000.00} would be kept by them. I was glad I called as I was not previously told this information and had actually planned to take off the next day in order to get the check endorsed. On XXXX XXXX, 2017, I sent the advance check from XXXX XXXX XXXX XXXX via XXXX XXXX to Suntrust properly endorsed by my husband and myself. Note that we had to incur an expense to get the check to Suntrust. On XXXX XXXX, 2017, I called to check on the status of the check and I spoke with XXXX. She informed me that the check was received and that it was being processed. She said it would be deposited into the escrow account and then Suntrust would be reissuing a check for {$20000.00} to my husband and myself. She explained that the entire process would take approximately three ( 3 ) to five ( 5 ) business days. On XXXX XXXX, 2017, I received a call from XXXX XXXX who was making sure I had received the package of documents required by Suntrust for when repairs begin on the home. I acknowledged receipt of the package and inquired about the the {$20000.00} advance check. She proceeded to tell me that I was given incorrect information by all of the representatives and that we would not be receiving any such funds. I then became very upset as she would not answer my question as to why the change in policy. She kept wanting to speak about the required paperwork. I asked to speak with a supervisor at which time she told me she would transfer me to a voicemail. I hung up and called back ( XXXX ) at which time I spoke with XXXX who looked up our account and she again informed me that they could not release the {$20000.00} because the check was for {$30000.00}. She asked me to write a letter at which time I pointed out that I sent had already sent a letter with the check. She allowed me to speak with a supervisor, XXXX ( sp ) who again explained the exact same thing. Funds can not be released and she again stated that the other representatives were wrong in telling me that I would be receiving a check for {$20000.00}. She did, however escalate my situation and submitted my request for the release of the {$20000.00}. Today, XXXX XXXX, 2017, I decided to check on the escalation of my request and I spoke with XXXX who informed me that my request was denied. Everyone I speak to keeps wanting to talk about documents when all along my reason for calling is for the release of the {$20000.00}. I was transferred to supervisor, XXXX XXXX, who again reiterated that the previous representatives gave me the incorrect information. She said XXXX was correct in telling me to get two checks for {$15000.00} each instead of the {$30000.00} as Suntrust would have endorsed those checks. But, because this advance came as one check, they are not going to release the {$20000.00}. I am confused and frustrated. We have no funds with which to begin repairs. We have been denied assistance by FEMA because we have flood insurance and have received no response on assistance from the Red Cross because although our home is damaged, we are still living there. I feel as though Suntrust lied to me in order to get me to release the funds to them. It seems that they change their policies as they see fit. Any communication with Suntrust I now want in writing. I do not trust them at all. Hurricane Harvey occurred at the end of XX/XX/XXXX and it is now almost the middle of XX/XX/XXXX, and our house sits damaged. There are six of us living on one floor with dust everywhere from bare floors.The doors downstairs all need to be replaced and all of the walls have holes in them. Part of our staircase is also bare. Their so called forbearance program is also a joke. They offered us no payment for three ( 3 ) months but we have to pay it all at the end of the three ( 3 ) months. Sorry, but I fail to see the how this is any type of assistance. There is definitely no comprehension for the nature of the disaster that occurred in XXXX. This is the first time we have gone through such a disaster and the first time we have suffered such a loss. We also are not behind on any payments to Suntrust.
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| 11/03/2019 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Don't agree with the fees charged
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Web |
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Background of Problem : On XX/XX/XXXX, I applied for an XXXX XXXX online and received an email from XXXX that I was denied the card because I was recently past due on a payment. I called XXXX and they told me that the credit servicer that reported that I was past due was XXXX. I then called XXXX and requested a copy of my credit report.
On XX/XX/XXXX, I received my copy of the credit report and noticed that XXXX XXXX XXXX/Suntrust Bank was the company that was reporting that I was past due on a student loan. The credit report showed that they were reporting a maximum delinquency of 120 days in XX/XX/XXXX for {$1000.00}. I noticed on the credit report that they had made various inquires to my credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 ), and on XX/XX/XXXX.
XX/XX/XXXX, I called XXXX to dispute this loan because I have been a victim of credit fraud in the past and I initially thought that this was credit fraud. XXXX opened up an investigation and that it would be completed on XX/XX/XXXX.
On XX/XX/XXXX, my wife received a message from Suntrust Bank XXXX XXXX and my wife forwarded this message to my phone. The message contained her contact information and she mentioned the dispute of the loan. Because the credit report contained the account number we researched online for Suntrust/XXXX and found the XXXX website. We created an online account and found that there was only three letters in this account online : One showing a disbursement date of XX/XX/XXXX and breakdown of loan, One showing that I may qualify for a rate reduction, and the last letter showing loan was delinquent. These were the only letters in the online account on XX/XX/XXXX and I printed them. I requested loan documentation from XXXX online and didnt receive them till XX/XX/XXXX and the letter was received open. I then returned the phone call to XXXX XXXX at Suntrust and requested proof of loan documentation. I received this documentation on XX/XX/XXXX via email.
XX/XX/XXXX, I received the loan documentation from XXXX XXXX and noticed that there was a document showing a change of loan declaration with a school separation date of XX/XX/XXXX and that this change was made on XX/XX/XXXX. It appeared that the loan was deferred.
On XX/XX/XXXX, After receiving the loan information from Suntrust bank, I requested time off from work to investigate this loan with the University XXXX XXXX at XXXX XXXX. XXXX provided me with copy of the disbursement on XX/XX/XXXX from Suntrust Bank. At this time I remembered that I did indeed have a loan with Suntrust Bank back on XX/XX/XXXX. It had been five years since my graduation in XX/XX/XXXX and I had not received any correspondence from Suntrust/XXXX in all this time. I also had a school loan with XXXX XXXX and they immediately started billing me after graduation.
On XX/XX/XXXX, I contacted XXXX XXXX and let her know that the loan was mine, but I still had concerns. The concerns were the loan deferment and the fact there were late fees and I had never received any letters from Suntrust/XXXX regarding my loan.
On XX/XX/XXXX, XXXX responded via email but did not address my concerns regarding the deferment, late fees, and letter issue. I sent another email regarding the fact that she had not addressed my concerns and she responded via email to contact XXXX regarding those questions. I contacted XXXX via email regarding these same concerns and they claimed they had sent letters and a repayment obligation letter and that I could find them online. I logged in to the online account and there were several letters in the online account that were not available when I created the account on XX/XX/XXXX. On XX/XX/XXXX the only letters that were online were the three I mentioned earlier.
On XX/XX/XXXX, XXXX claimed that XXXX notified them on XX/XX/XXXX that I was in School status until XX/XX/XXXX.
On XX/XX/XXXX, I contacted XXXX and XXXX provided a verification of enrollment showing that the clearinghouse had me enrolled until XX/XX/XXXX and that I had never attended any other term after Spring XXXX. I provided the copy of the letter to XXXX XXXX at Suntrust and also to XXXX via email and never received a response on who deferred the loan. As of this day I had only received a phone call from Suntrust Bank on XX/XX/XXXX and XX/XX/XXXX and I have only received one letter dated XX/XX/XXXX. I have never received any correspondence from the post office or phone call from Suntrust/XXXX before XX/XX/XXXX. My address has not changed since I applied for this loan. I updated my telephone number on XX/XX/XXXX when I returned XXXX XXXX phone call because they had my wifes number which she had forwarded the message immediately. So if they had tried contacting me via my wifes telephone she would have forwarded that message and I would have contacted them. Suntrust/XXXX has not explained who deferred the loan and why they reported loan delinquency on my credit when they never contacted me before XX/XX/XXXX.
Concerns : My Concerns regarding this loan are : 1. Who deferred the loan?
2. The Credit reporting on my credit report.
3. Suntrust/XXXX claiming that they have sent letters and tried contacting me before XX/XX/XXXX and the fact I have never received a letter from Suntrust Bank or XXXX before this date.
4. I do not understand the loan breakdown 5. I am not sure if I am paying Suntrust, XXXX, and recently a loan collector called XXXX that contacted my wifes number regarding this loan.
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| 07/20/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I recently got a job in XXXX and in preparation of relocating there, I went online and opened an account at SunTrust bank. This was on XX/XX/2019. To fund the account, I authorized a transfer from my XXXX XXXX account of {$250.00}. I received notification that the account was opened and was welcomed " aboard ''. However, as I kept monitoring the account, the money from XXXX was never transferred in. I also tried to transfer money from my XXXX account, which didn't go either. I called SunTrust to inquire about what was going on, I was informed that my account had been closed and a letter would be sent. I also called XXXX and was informed by them that the transfer not going through was on SunTrust. So, I think " okay, I'll just wait until I'm physically in XXXX and actually go into a branch to open an account. '' On XX/XX/2019, I do just that at a branch in XXXX, XXXX. The woman whom I met with to open the account was very pleasant and did whatever she needed to do the re-open the account that had been closed. She said she couldn't see any reason why the account had been closed in the first place. Because I've never had any negative dealings with a bank before, I went ahead and trusted that all was well and I deposited money. I deposited {$500.00} from my XXXX account and, because I very mistakingly thought it would be safer in the bank than with me holding onto it, I also deposited a {$20000.00} check from my father. ( What a mistake that turned out to be. ) She put the {$500.00} check into a checking account and the {$20000.00} check into a money market savings account. A day or two later, I also transferred {$250.00} from my XXXX account and I transferred {$10000.00} from the savings account to the checking account because there is a minimum amount you have to have in the checking account to avoid fees. ( Again, I was just trying to do the right thing, unlike SunTrust. ) I am in the process of trying to buy a house in XXXX, so I wanted to get my account established so I could show proof of funds. On XX/XX/2019, I receive a call from the bank employee who opened my account. She was very apologetic and very upset and she informed me that, for some reason that no one would tell her, my account had been closed. Before calling me, she had tried to rectify the situation, but was treated just as badly as SunTrust treats its customers. She very strongly encouraged me to call to see if I could find something out. I called and, at first, was just told that SunTrust could close my account whenever they wanted and for whatever reason. Then I was told that I would receive a letter and would eventually be sent a check. After mostly being dismissed by this person, I asked to speak to her supervisor, which I was able to do. This woman was much more helpful, but also informed me that my account had been flagged and the fraud department was handling it. While I was on the phone with her, she also talked to the branch and the fraud department. Even after that, she could not give my any kind of helpful information. At this point, I told her all I wanted was to get my {$20000.00} back so I could move on with my life and purchase a house. She didn't mention anything about having to wait 5 days, she just indicated that a check would be sent to my address. This was an issue because, while I still own the house I was using as an address in XXXX, I am physically in XXXX and need the money sooner rather that later. She and my local branch both agreed that it would be no problem to have the check sent to the branch for me to pick up there. So I am thinking that while this is a horrible thing, at least I will be able to get my money. On XX/XX/2019, I call the branch just to check in to see when I might be able to pick up my check. The woman who opened my account originally said she and the branch manager had been calling and emailing ( none of their emails had been returned ) people to try to find out what is going on with my account and what can be done to get me my money. They are getting absolutely no answers either. I was encouraged to call the fraud department myself to see if they would tell me anything. I did this, and of course they were no help whatsoever. I again ended up talking to some sort of supervisor who ultimately just told me that they would have to wait 5 days from the last transaction ( I never even tried to take any money out of this account ). They would also need to finish whatever investigation they were doing. After they finish the investigation, it could be another 10 days before I am mailed a check. So, who knows how long it could be??? How are they allowed to steal my money like that? I understand it and think it is a horrible practice, but I am aware that they can close an account at anytime for absolutely no reason. Fine. I just want my money back. If there is something fraudulent going on with my account, shouldn't I know about it? Maybe they should ask some questions instead of just holding my money hostage. This is an outrageous and completely unfair practice and shows total disregard for their customers ' lives. They could quite possibly cause me to lose a house I have made an offer on. I have never done anything fraudulent in my life and have an XXXX credit score. I've always done things in a way to prevent something like this happening to me and it shouldn't be happening to me. At this point, I don't even care about answers, I just want my money!!! Please help!!!
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| 09/24/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Struggling to pay mortgage
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Web |
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Regarding loans through suntrust mortgage First mortgage # XXXX Second mortgage # XXXX I desperately need assistance with my previous modification for my loan that was with suntrust mortgage. My second lein was sent to XXXX XXXX a PMI insurance company during my modification process. I was told it was in a waiting pool until my first modification was done then they work on second modification. I wasnt aware it was sent off until I received a letter demanding XXXX from XXXX XXXX. Suntrust told me it was payed off so I assumed it was from the modification as there was many programs forgiving loans, extinguishing liens, settling ect. Suntrust told me I had to be approved for a first HAMP modification then once it was done I had a waiting period of 3 months before it was permanent as long as all payments were made which they were and have been ever since. Suntrust said at that time they will do the second lien modification which is required by XXXX XXXX. During this time I was confused how my mortgage was sent to a PMI insurance as I received a 80/20 loan to avoid PMI and never was aware it was on my loan. Once my first loan was completed shortly after that I received letters about my credit reports being updated for errors on suntrusts part and my loans were updated and didnt show default. My current credit report doesnt show either suntrust account at all. Suntrust then sent my first mortgage to XXXX mortgage. XXXX reaches out to me to inform me suntrust made errors in my modification and didnt add over 3000 of escrow to my modification which should have been done by all guidelines and also was told by suntrust everything will be on one loan because I had all interest loans no taxes or insurance. XXXX was very concerned as they do modification based on numbers and what the l barrow can afford during hardship. With such a high amount of escrow that was not included would put my monthly payments about {$250.00} more a month which I would not be able to pay due to my hardship. XXXX worked really hard to fix the error and was able to get the amount spread over time but my payment still increased. When my first mortgage was sent to XXXX it was shortly after my modification so at that time it said both loans payed in full. So I assumed they were taken care of because of the modification. During that time XXXX XXXX sent out a demand letter for the amount of the second mortgage. I called suntrust as there was so many scams at this time and they stated it was wrote off. I called XXXX XXXX to let them know I think this is a mistake. They said no it was sent as soon as I defaulted which was a error on there part as they had reported wrong information to credit bureaus. But my loan was gone before I even got this letter. I think I was completely treated unfairly I have been working on this over 45 days with no resolutions. Sun trust couldnt even find any of my loans for weeks. This started as a refinance to remove my significant other off my mortgage as I am leaving and abusive relationship. Both first one second lein was still on my title. But since then review rules, regulations from XXXX XXXX, consumer reports, Hope for home own consolers, HUD gov pages regarding modification and also documents I have saved. I came to realized my modification was not done correctly from sending a insurance claim that was not accurate and not evaluating my second mortgage as they stated they would. This is now causing me extreme stress, and issues. I have to pay XXXX a day for a lock to be extended and I dont even have the income to do so. XXXX XXXX was gon na settle and backed out the day of signing. I could only settle with them as I am giving them all thats left to give in the loan refinance which also changes my payment and Interest rate by adding that debt. I had to include some of my debt to even be approved for my refinance because of my DTI. I only had enough left for partial payment but was willing to include it. I figured they would settle considering they sent a settlement while back for XXXX. We were completely unaware of any of this until it went to title. Neither suntrust loans are on any credit reports at all not even stating closed. At this time I am now in a even bigger hardship as I am trying to get out of a bad situation. This is completely unfair this should of been taken care of years ago and I should of received my fair modification process. Now as a victim of abuse the hardest part is leaving. I finally made this biggest decision that I finally had enough. My biggest worry was being finically stable to try to move forward. So you can only imagine the pain as if my world was falling apart as getting news that my loan could not be processed until this was resolved. There is many mistakes that were made and I feel they dropped the ball. Someone needs to be accountable for all this as none of this was my fault as I only did what was told by suntrust. I am in desperate need for a fair resolution so I can close my loan and try to heal and move forward with my life. Please reach out for any more questions you may have regarding this. I know its completely confusing. Everyone I have reached out to agrees there is mistakes made and that they havent seen a case like this.
Thank you, XXXX XXXX
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| 11/15/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Confusing or missing disclosures
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Web |
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I opened an account with SunTrust last week. I was getting tired of XXXX XXXX manipulating transactions on my bank account and figured Id just close my account with them and go somewhere else. Opened my SunTrust account online and switched over my direct deposit to them, as well as my brokerage account and EFTs.
Upon switching bank accounts, I also switched insurance companies. I informed my new insurance company to auto-draft the funds from my new bank account on XXXX XXXX, XXXX XXXX which I have proof of ). The insurance company errored and auto-drafted the funds from my account on XXXX XXXX. I called my bank and told them about this merchant error and was told to contact the fraud department. This wasnt exactly a fraud case, so I asked them if I could have any overdrafts fees waved because it wasnt irresponsibility on my part, but a merchant error. I informed them that I had my first direct deposit scheduled for XXXX XXXX and that it would more than cover the charge. The customer service rep told me that I had to wait until the overdraft fee posted in order for them to do anything on the account, so I ended the call and waited until the next day XXXX today ).
This morning, I wake up and try to log into my account to see if any overdraft fees have been charged. I kept getting an error message stating that my log in information was incorrect. I was certain that I was putting in the correct information, but after a few attempts I decided that Id try to reset my password. After trying to reset my password, I received a message stating that my account was restricted. I was also given a number to call to discuss the matter. After contacting the listed number, I was notified by a customer service rep that my account was being closed. I asked why and if it had anything to do with the merchant error that I called about the previous day and was informed that it was due to SunTrust Bank rules and regulations. I asked to speak with a XXXX because I had transferred all of my liquidity over to SunTrust Bank XXXX Brokerage accounts, direct deposits and wifes direct deposits ). I also got all of my billing set up under EFT with SunTrust.
I was put on hold and transferred to a XXXX who was of no assistance and keep reading from the same script XXXX Your account is being closed due to SunTrust rules and regulations ). I asked if there was anyone above him that I could speak with about my account being closed. He said there was no one ( as if he was the owner of the bank himself XXXX. So I called back and spoke with someone else about the matter, only to run into the same brick wall. I spoke with their supervisor who told me to speak with my branch XXXX. I called my branch XXXX who told me to contact the fraud department to see if they could override it on their end. I call the fraud department and ran into get another brick wall XXXX Your account is being closed due to SunTrust rules and regulations ). He puts me on hold to see what he can do for me and nothing. I asked to speak with his supervisor and she couldnt do anything. By this point Im regretting the fact that I even opened an account with SunTrust.
I end the phone call and call back the fraud department asking if I could speak with a supervisor because you get someone different every time you call. I tell yet another supervisor about my situation and still hit a brick wall. She tells me that I need to contact my branch XXXX or the area XXXX. Im infuriated at this point because I have funds due to post to this account tomorrow XXXX XXXX XXXX, XXXX XXXX which I was unable to get reversed because they were already processed. Now my funds are going to be in the hands of these scam artists who are closing my account without a valid reason.
I called my branch XXXX back and told him that the fraud department told me that he was the man I needed to talk to. He told me that there was nothing that he could do for me, so I asked for the number of the area XXXX. He refused to give me the area managers number and hung up on me after thanking me for using SunTrust Bank. I called the customer service line again and was able to retrieve the area managers number. I called the area managers office which was closed for the day, so XXXX be calling back tomorrow.
Meanwhile, my money will be swept into a SunTrust Bank account by tomorrow morning and I will have no access to my funds or account information because my account is being closed due to SunTrust rules and regulations.
This process seems rather suspicious. Ive read countless articles about other consumers with SunTrust who have experienced the same thing. I have bills that need to be paid and I also need to pay the property tax on a vehicle I just purchased so that I can get it registered. My temp tags are due to expire on XXXX XXXX, XXXX and I have no access to my funds. My wifes car note is due in a few days as well. I switched all of my banking to SunTrust only to have my account closed for an unspecified reason and now I cant access my funds until they release them to me. This is borderline criminal. They have nearly {$1.00}, XXXX of my money held in their bank. And conveniently for them, they closed my account before I was able to memorize my account number.
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| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX, the reason for its delay was because all their watches are made by hand. After the merchant failed to comply with the delivery date, I canceled the transaction. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( Case No. XXXX ). OnXX/XX/XXXX, Suntrust Bank declined to investigate my claim and credit my account with the amount in dispute. OnXX/XX/XXXX, I submitted a formal complaint to the Federal Reserve Consumer Help. On or XX/XX/XXXX I was told that my complaint was forwarded to the Consumer Financial Protection Bureau ( CFPB ). On or XX/XX/XXXX, the company responded and the CFPB closed my complaint. This is a new complaint because I feel that Suntrust Bank did not give my situation the proper response and understanding that it truly deserved. I. Suntrust Banks decision to not investigate my claim is unjustified. According to the Companys response : SunTrust Bank is not liable for my dispute, because the claim was not reported within 30 calendar days from the date the Bank makes the statement on which the error first appeared available to them. [ See companys response ] First, the Companys response has nothing to do with my claim, because my claim is for a non-wrong, non-error and authorized transaction.
Secondly, the Company allegation, that they are not liable for my dispute, because the claim was not reported within 30 calendar days from the date the Bank makes the statement on which the error first appeared available to them is absurd and incoherent. I did not file the claim within the 30 calendar days from the date the Bank makes the statement, because the merchant promised to deliver the merchandise by XX/XX/XXXX. ( See Exhibit A ) II. Suntrust Banks Rules and Regulations for Deposit Account do not contain any regulation concerning the period of time to place a dispute for non-wrong, non-error and authorized transactions.
SunTrust bank Rules and Regulations for Deposit Account ( pages 30-31, and 40-41 ) only contain information for transactions with unauthorized signature, alteration, misencoding, incorrect or improper amount, fee, interest calculation or error on the statement itself. See below : Account Discrepancies ( Page 30-31 ).
Statements. Periodic statements will be provided on all Accounts, excluding Time Deposits. Unless otherwise instructed, the statements will be mailed by us to your last known address as shown on our records or will be made available to you electronically. You agree to control and secure your Account documents including, but not limited to checks, deposit tickets, statements and any other documents that contain your account number and account information.You agree to notify us that you have not received your statement within 30 calendar days of the date on which you normally receive the statement. If you do not notify us within this time period that you did not receive the statement, we will not be liable for any bank statements or items, if included in the statement, that you do not receive. You should carefully examine the statement and canceled checks XXXX including the face and back XXXX, if included in the statement, when you receive the statement. The Bank will not be liable for any unauthorized signature, alteration, misencoding or other error on the face of any item in your statement, or for any incorrect or improper amount, fee, interest calculation or other error on the statement itself ( including any item improperly charged to your Account or any deposit not credited to your Account ), if you fail to notify the Bank within 30 calendar days from the date the Bank mails, personally delivers, or otherwise makes the statement on which the error first appeared available to you ( including making the statement available online whether you actually view or download it ) or anyone to whom you request it be sent. If you fail to notify us of the first occurrence within the stated time period, we will not be liable for subsequent unauthorized signatures or alterations made by the same individual ( wrongdoer ) and discovered on future statements. Note that shorter time periods may apply to notification of errors relating to ACH debits received in commercial Accounts, as described in the section herein titled Commercial Funds Transfers. In Case of Errors or Questions about Electronic Transfers. ( Page 40-41 ). If you feel that any statement or receipt is wrong, or you wish to have more information about a transfer listed on a statement or receipt, contact us in writing or by telephone. ( Refer to last page of this document for the telephone number and address of SunTrust Bank. ) We must hear from you within 60 days after we send you the FIRST statement on which the problem or error appeared. Therefore, because Suntrust Bank failed to properly disclose, the time period to dispute the non-wrong, non-error and authorized transactions, the Bank must accept my claim, investigate it and credit my account with the amount in dispute. Regards, XXXX XXXX ( XXXX ) XXXX
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| 04/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXX XXXX , a thief broke into my husbands car on our property and stole his wallet. In his wallet was his drivers license, debit card and miiltary ID. His debit card was taken to our local bank and used by the thief, withdrawing {$800.00} and {$200.00} from the ATM using our PIN number, which we did not have written down anywhere for him to get. I have since seen the thief 's picture on video footage and it is nobody none of our family knows. It is a random stranger who stole my husbands wall et. The Fraud Dept called u s at XXXX XXXX and told us there had been activity on his debt card at XXXX and XXXX XXXX XXXX and asked if we made the transactions. We said " NO '' we were asleep. We called the police and a detective was assigned to the case. In the meantime, our bank closed the investigation quickly and said it was a " valid Withdrawal. '' This crook got away with stealing from our account and it was a " Valid Withdrawal '' although the Branch Manager has seen th e crooks picture and knows it was not us. They are trying to justify the depletion in our account by the thief by saying it was a Valid Withdrawal. We have told them we did not authorize or approve anyone stealing from our account. We work hard for our money and this has us victimized by the crook and then victimized by the bank. The bank is not refunding our money that was stolen.. I am having to stay on our detective to solve this crime while the bank does nothing and wont reimburse us. There are laws that I researched since this happened that protects the consumers from fraud like this and our bank is not complying with those laws. We told the bank over and over and over we did not approve or authorize these withdrawals. That should be enough that the bank restores our money and then takes over the investigation with the detective. Instead we are having to do all the leg work investigating this crime and staying on top of the detective. The bank is trying to use the excuse that because the thief had our PIN number, it was a " Valid Withdrawal. '' The Branch Manager is a smo oth talker too and after talking again today I realized she is just as bad as the thief in the way she is protecting her bank. I would like to see how far she protects her bank if we take her XXXX to c ourt Suntrust Ba nk, XXXX XXXX # XXXX , XXXX , VA for protecting a thief and not protecting the consumer. We have been good customers for 20 years and they did not protect our bank from INVALID Withdrawals from a thief and then are not willing to restore our money that the thief took and they did not stop. We dont know how the thief got our PIN number when we do not know him. It is not our fault that the thief got our card and found out our PIN number some how. The bank is trying to make this out like it was somehow our fault that he got the PIN number and not treating us as 20 year consumers right by any long shot.My husband feels very bad for leaving his wallet in his car knowing the larcenies are terrible in our neighborhood. My husband had his PIN number memorized and did not have it written down. This crime is being said by my family as being T he Perfect Crime. The thief gets o ur PIN number somehow and just happens to get lucky and stole my husbands wallet too and commits the perfect crime. Because the police, detective and bank have never heard of this happening they are not saying it but I can sense it that they are somehow blaming us as if we had a part in the whole thing. We are XXXX . We do not lie, cheat, steal or do anything of that nature. We are hardworking people and we keep to ourselves. We do not let anyone but our kids in our house and they dont even know the PIN number. Again the thief was someone I have never seen. I have tried writing th e Fraud Dept letters and they were the ones who contacted us before we found out our account had been compromised. They offered me a Rebuttal form to fill out and fax them, which I did earlier this week. In the meantime, we dont feel protected at this bank anymore. We dont feel that if our account is compromised again they will protect us. They are just as crooked as the thief is trying to justify the thief 's withdrawal as valid just because he had a PIN number we did not give him. They dont want to return our money - simply put. Its their fault they dont have a better fraud dept that caught this {$800.00} transaction and put a stop to it before the thief got away with it. We NEVER take out transactions of that amount. We never take out more than {$60.00} at the ATM at a time. This crime was a bizarre one but the fact that the bank did not protect us, the consumers, and did not restore our money just floored us. The thief also tried to take {$400.00} at WaWa after he got the {$1000.00} from ATM of our account. That is when the Fraud Dept finally stepped in and declined the card. I am seriously contemplating leaving this bank this summer after my job ends for the summer. It will be a monumental task moving to a new bank when we have four depositers and lots o f creditors on autopay. Anything you can do will be appreciated.
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| 07/26/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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XX/XX/XXXX XXXX XXXX XXXX ( E-Mail : XXXXXXXXXXXX ) is approached via e-mail by a XXXX XXXX XXXX ( E-Mail : XXXXXXXXXXXX ) expressing interest in artwork on the gallery website. She settles on the painting XXXX XXXX XXXX ( {$16000.00} ) and indicates she wants it for a home in XXXX, XXXX to which she will be moving soon. She asks if we can turn the painting over to a mover who will be collecting other items to furnish her home and whether she can provide extra funds to be passed to the mover to get this done, We are suspicious and assume this may go nowhere based on the approach. She volunteers to send a check for {$21000.00} to cover the purchase and the balance would be given to the mover to cover his expenses. Again, we agree thinking this is looking increasingly suspicious and will not go anywhere. XX/XX/XXXXWe receive a check for {$21000.00} via XXXX ( Tracking No. XXXX ) at the gallery. The check is drawn on the account of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX , MO XXXX at XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX , MO XXXX. It is check XXXX. XXXX and the bank routing number/account are : XXXX XXXX. ( photo copy of check attached ) We deposit this to our SunTrust account and ask how long it would be before we could be assured that the check has cleared and is deposited to our account. The teller explains given the amount that this can take several days and suggests we check again with SunTrust the following morning. XXXX XXXX XXXX confirms via e-mail that this is her check and we explain it has been deposited and we will have to wait for it to clear and be credited to our account. XX/XX/XXXX We check with SunTrust in the morning and ( somewhat to our surprise ) are told by a bank officer who verifies online that the check has cleared and is now reflected in our available balance. Given the size of the transaction and our ongoing suspicions about the buyer, we ask the SunTrust banker if this means we can count on these funds now being available to us and that no one ( including Sun Trust bank ) can remove the funds from our account. This is confirmed and we are relieved that perhaps this was not fraud after all but simply an odd client and an unusual approach ( not entirely uncommon in the art sellers world ). We consult our online cash manager account that evening to verify again that the check has cleared and is part of our available balance. Our reasoning is that at this point, the transaction took place between XXXX American banks SunTrust in XXXX and XXXX XXXX XXXX in XXXX XXXX and should easily be verifiable between the banks involved as legitimate or not. The XXXX XXXX XXXX would not have credited the funds to SunTrust if there were either insufficient funds in the account or if it was not authorized by the account holder known to them. SunTrust would not have assured us the funds were securely in our available balance. XX/XX/XXXX XXXX XXXX XXXX is advised via e-mail that her check was credited to our bank and asked what she wants us to do with the balance due her ( {$4500.00} ). XX/XX/XXXX - XXXX XXXX XXXX provides the following name and account number for her mover : Account Name : XXXX XXXX Account Number : XXXX IBAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Swift Code : XXXX Bank Name : XXXX XXXX Bank Address : XXXX XXXX, XXXX We find it odd that the mover is based in XXXX but secure in the belief that she has paid for her artwork and the funds are now in our SunTrust bank account, we do not believe we can deny the request to reimburse her balance due. XX/XX/XXXX A SunTrust bank officer helps us with a wire transfer of {$4500.00} to the account of XXXX XXXX at XXXX. XX/XX/XXXX We see an E-Mail at XXXX from the same SunTrust bank officer who helped with the wire transfer that morning asking that we call her. We call right away and are told that the {$21000.00} check deposited on XX/XX/XXXX and credited to our available balance has been recalled. XX/XX/XXXX Subsequent calls with another more senior SunTrust bank officer make apparent that this was a case of fraud, that the funds have been withdrawn from our accounts available balance, and she helpfully suggests that they can help put a stop to the wire transfer made that morning. We are appalled that a fraudulent transfer of funds of this size ( over $ 10K ) between XXXX banks in the USA does not get any critical oversight by the banks involved, that the client is told by his bank that the money has been credited to his available balance so that he believes the funds are now securely in his account, and then five days later, that the original check is all of a sudden recalled ( almost immediately after the client makes a good faith wire transfer to one of the fraudsters. ) This begs the question of when can a deposit by check to ones account ever be considered definitive or real? A business has to be able to confidently turn over merchandise to a buyer upon being paid but apparently checks between XXXX banks are never certain and a bank takes few precautionary measures before and little real time responsibility after enabling a fraudulent transaction.
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| 12/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I am a first-time home buyer. In XX/XX/2019, I applied for a home mortgage loan with SunTrust Bank and worked with XXXX XXXX ( a mortgage loan consultant at SunTrust, NMLSR # XXXX ). This was for a conventional 30-year mortgage with the initial sale price of {$760000.00} and an initial loan amount of {$680000.00} ( 10 % down payment ). OnXX/XX/2019, this loan consultant was provided with the name and contact information for the title company which would eventually be used for closing in XX/XX/2019 ( see PDF document " XX/XX/2019 emails '' for proof ). At no point in time have we changed title companies.
From XXXX to XXXX, we select finishings/make modifications and the house gets built. The final sale price of the house is {$750000.00} ( see PDF " Homeowner Transaction Summary '' which was put together by the builder ). This transaction summary is forwarded by the builder to the mortgage loan consultant at SunTrust Bank in XX/XX/2019.
In late XXXX/early XX/XX/2019, the builder sets a closing date of XX/XX/2019 at XXXX XXXX ( see PDF document " Closing date set emails '' for proof ). The mortgage loan consultant is notified of the closing date and a mortgage loan commitment is re-issued ( see PDF document " Mortgage loan commitment '' ). Please note that the loan amount listed on the re-issued mortgage loan commitment letter was {$680000.00} ( this is not 90 % of the final sale price of {$750000.00} listed on the Homeowner Transaction Summary ... instead, the bank/loan consultant worked off of old information from XX/XX/2019 ).
On XX/XX/2019 I text messaged the bank 's loan consultant and asked her to give me an idea of what interest rates would be if I were to put down 15 % of the total sales price ( instead of the initial 10 % noted above ). I ultimately decided on putting down 15 % and lock in an interest rate ( see PDF " Rate lock email '' ). After locking the rate, the loan consultant sent me an initial closing disclosure on XX/XX/XXXX ( see PDF " Initial closing disclosure '' ). I carefully reviewed the initial disclosure and emailed the loan consultant several questions ( see PDF " Rate lock email '' ). Please note that the closing costs disclosed to me at this point totaled {$14000.00} and the loan amount was now correct at {$640000.00} ( 85 % of the final sale price {$750000.00} ).
On XX/XX/XXXX, I emailed the title company and requested the final amount that needed to be wired in order to close on the following day XX/XX/XXXX. The title company agent replied that they were waiting on the loan consultant at SunTrust Bank to provide them with the final numbers for closing ( see PDF " XX/XX/XXXX emails '' ). The loan consultant then waits for the bank 's Closer to " balance the figures '' with the title agent and a final amount to be wired on the day of closing (XX/XX/XXXX ) is settled upon by the two parties. This final amount was {$100000.00} ( of which total closing cost was now {$21000.00} ). The total closing cost was now {$6600.00} higher than what was listed on the initial disclosure sent to me on XX/XX/XXXX and so I was upset and shocked. I then asked the title agent for the breakdown / reconciled final disclosure so that I could review ( see PDF " Final Disclosure '' ). I carefully review this and found that bulk of the discrepancy was related to transfer taxes. Transfer taxes were initially disclosed to me on XX/XX/XXXX as being paid by the seller. On XX/XX/XXXX, the final disclosure now stated that I had to pay these taxes. Upon reading the CFPB website, proper disclosure of transfer taxes ( who pays and what amount ) is one thing that can not change between the initial and final disclosure ( https : //www.consumerfinance.gov/ask-cfpb/can-my-final-mortgage-costs-increase-from-what-was-on-my-loan-estimate-en-172/ ) and so I raised this question with the loan consultant. The loan consultant finally replied to my calls/email and admitted that the bank based the initial closing disclosure costs and transfer taxes ( including who pays what ) on a completely different title company called XXXX XXXX. This company is one we were never working with or had even heard of ( see PDF " Incorrect title company '' ). It appears that the bank 's Closer did not work with the correct title company or know/understand who pays what until the day before closing.
I am filing this complaint because I feel that the bank had over 6 months to work with the pre-specified title company ( selected in XX/XX/2019 as noted above ) and create an accurate initial closing disclosure so that I would not have to deal with the shock of an unexpected {$6600.00} increase in closing costs on the day prior to closing. I am especially frustrated because the bulk of the unexpected increased in closing costs were related to transfer taxes. The bank made a mistake in my opinion, and I feel that if the bank would have just worked with the pre-specified title company to begin with, I would have had a more accurate estimate and understanding of my closing costs. I still have no resolution to this issue.
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| 09/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Loan Modification Scam, XX/XX/XXXX.
We wanted to modify our Mortgage with Suntrust, our interest rate was crazy and we needed help.
We paid XXXX XXXX XXXX XXXX XXXX, Lawyer, XXXX XXXX to modify our loan.
They received {$3500.00} in payment from us. On XX/XX/XXXX, {$1700.00}, and on XX/XX/XXXX, {$1700.00}. Will provide copies upon asking, the checks have all our information on them.
https : //www.justice.gov/usao-cdca/XXXX We were told by our representative XXXX, it would take 3 months and if we werent satisfied we could get our money back. We contacted them after 3 months telling her we werent comfortable not paying our mortgage and we wanted out, and she assured us it was just heavy volume and everything would be fine. They kept telling us not to bother the bank that they were working on it. XXXX XXXX is due to serve 284 years in prison.
We then contacted Suntrust in XX/XX/XXXX and were told that they had not been contacted by the Company that was respresenting us.
We started procedures to get a loan modification with Suntrust. We went thru two years of trial payments. The paperwork shows it should have been 3 trial payments. The XXXX Funds Suntrust had been provided were suppose to assist those who had been scammed in the modification scandal.
We made monthly payments that we were told, would be broken down into principle, interest and escrow fees if we paid our trial payments. Once the modification was complete they would apply the money we paid during those trial payments to this allocation. After 2 years they told us that the trial modification period was complete. I spoke with XXXX in loss mitigation who would not help. We were able to fax info to XXXX XXXX at XXXX XXXX. Who was supposed to be a Specialist and was consulting with his Supervisor. I was mediating between our lawyer and Suntrust who kept telling us we needed to have a specific form signed by the lawyer who kept telling us it was the banks responsibility.
As per their instruction, I contacted them twice a week for months to keep track of the loan. I have names and dates. I would be on hold for 40 minutes to an hour at a time, I was told something different by every person I spoke with.
In XX/XX/XXXX I was told by one of the agents that the modification was complete. We rejoiced.
However, it wasnt complete. The next month we received a bank statement saying we owed back payments of {$700.00} per month for every month we had paid for 2 years and added it to our loan.
They had completely dropped the whole process. After many phone calls and XXXX XXXX trying to help me, I was told there was nothing she could do.
They told us we had to start all over. So to keep the house, we started all over with their trial payments. With XXXX XXXX XXXX 's as our representative. She took us thru the next phase of We went on for another year of this with different payment adjustment. In XX/XX/XXXX they offered us another 3 month trial payment, with information it says that they would determine once we qualify. Which lasted another year. ( See attached form with her name on it. ) Where is the money we paid Suntrust in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX? What was the initial XXXX Program suppose to do for our loan beginning in XX/XX/XXXX when we contacted them? See attached Mtg Int. Statements. I was unable to locate XX/XX/XXXX, on our tax statement in shows we paid the interest. In XX/XX/XXXX, Suntrust said they did n't have a copy of XX/XX/XXXX for me.
Finally in XX/XX/XXXX We were allowed to modify our loan. Suntrust accrued {$33000.00} to our loan along with other fees totaling {$34000.00}. After making 3 years of payments at approximately {$2000.00} a month, where did that money go. We owed so much more after paying for 4 years than was even possible.
In XX/XX/XXXX, we received a settlement from XXXX XXXX thru Suntrust for {$16000.00} between my husband and I.
We are required to pay {$3800.00} in taxes on this supposed settlement that ended up being counted as income.
They did n't compensate us for what they have done to our Mortgage Balance. If needed I can send copies of the XXXX Paperwork, they didnt qualify us under Refund portion of excessive capitalized interest, I dont know what is available to us, as I see that the XXXX payment program is ending after this month, I believe that we should at least have what the original XXXX program should have offered from the beginning and all the added monthly balances and interest that we paid, along with any payments missed should not be our responsibility and should be deducted from our Mortgage Balance.
This past month I asked Suntrust for my transaction history for this time period and they said they dont have it.
I have my bank statements and copies of the checks are available thru my credit union.
I would so appreciate if someone could look at our Mortgage History thru Suntrust and before the XXXX Funds are retired the end of XX/XX/XXXX, we could have these back fees and interest fees removed from our loan.
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| 07/23/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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- Problem with customer service
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Web |
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I incurred a property insurance loss at my home, which caused water and mold to form in the crawlspace, as well as damage to the floors and substructure. On XX/XX/2018, I mailed my insurance claim check to SunTrust Mortgage and was informed on XX/XX/2018 that it was received. I was given an online account at XXXX XXXX XXXX whereby I was able to view the claim status and upload as well as verify any documentation necessary to process the claim and receive the funds in order to pay my contractor for the repairs.
On XX/XX/2018 ; however, after attempting to login to my account I was notified that " my claim would require special handling '' and my online account access was revoked. The only option I was given was a phone number to call.
From this point forward, communication has been an absolute nightmare. For over a month I stayed on the phone constantly, providing all documentation via fax since that was now my only option. Each time I called, I had to explain the entire situation again and again to the representative. No one would explain why the portal access was revoked. The only reason I was given was that the claim involved mold. Rather than provide MORE clarity and improve the experience, I was relegated to phone calls and fax transmissions with no way to verify the information.
Over the entire month of XXXX and into XXXX, on XX/XX/XXXX in fact, I provided the documentation SunTrust asrequested, including but not limited to my contractor 's bid, release of lien, contractors state license as well as every other document SunTrust Mortgage required. On XX/XX/XXXX I submitted the " final document '' I was told up to that point in time would be necessary to release the insurance claim from the escrow account so that I could finally pay my contractor. After calling to confirm receipt - again - the ONLY way I had to communicate, I was told that a 'final inspection '' was necessary before my insurance claim proceeds could be disbursed. I was given no other information ; no time frame, no idea when the inspector would call, or whom it had been assigned.
By this time the work had been completed for weeks and I could give no detail to my contractor other than what I was being told by SunTrust. I even went to the main branch office and explained the situation to the local banker in an attempt to resolve what can only be described as an incredibly confusing, misleading and deliberate attempt to delay and create chaos. I was informed that unfortunately, only the Loss Draft department in XXXX could access my claim and again, no one could help me or provide an explanation. I was stuck in limbo with no one to help. I felt intentionally mislead throughout this entire claim process and the fact that I had been both a SunTrust customer and mortgage client for over 15 years meant absolutely nothing to the various representatives.
On, XX/XX/XXXX, nine days after I was informed of the inspection, I called again to request an update and get information on the status. I was informed that it had been ordered on XX/XX/XXXX and would normally take three business days to complete. No one called me to schedule the inspection. I asked to speak to a supervisor and was placed on hold and then hung up on. I have been hung up on at least four separate times and although each time I call I have to verify that my phone number has not changed and that " any time '' is the best time to call, NO ONE has called to provide me with any help or information.
On XX/XX/XXXX after threatening to file a formal complaint with every regulatory agency I could contact, I finally was put in touch with a supervisor, who identified herself as XXXX. She assured me that my claim would be escalated and someone would contact me to resolve it. This is nothing more than a repeated pattern of deception and lies.
The breakdown can be attributed to SunTrusts utter failure to address the claim process in a genuine, well-defined manner. Instead, SunTrust Mortgage chooses to : call from a restricted number so that communication is practically impossible, refuses to provide anything directly in writing to ensure that an excuse can be given when nothing progresses refuses to provide the inspectors contact information which would easily solve this conundrum allowing me to contact the vendor directly Makes additional unsubstantiated and unverified claims that an inspector has called me and left multiple messages. No one has called me to schedule an inspection and no one has left a voicemail on my phone attempting to schedule an inspection.
Today is XX/XX/2018 at XXXX XXXX and again another week has passed and there is no one who has attempted to rectify this simple situation.
I have been left no option other than to file this formal complaint in hopes that not only is this rectified but that other SunTrust Mortgage customers do not have a similar experience. It is truly the most frustrating and exasperating situation I have ever dealt with. I hope NO ONE has to experience what I have gone through.
XXXX XXXX
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| 07/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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I signed up for a business checking account on XX/XX/XXXX for a promotional offer to receive {$200.00}. The rest of the terms were as follows : You must be a new SunTrust business checking client. To be considered a new business checking client, the business can not have an existing SunTrust business checking account with the with the same Taxpayer Identification Number ( TIN ), including but not limited to an Employer Identification Number ( EIN ), prior to promotion start. Existing business checking clients are not eligible for this offer. Public Fund and IOLTA accounts are not eligible for this promotion. The business client can not have closed a business checking account within 180 days of the promotion start date ( on or after XX/XX/XXXX ). The business account holder must be 18 years or older at time of account opening. The account holder can not be a non-resident alien. Employee-designated accounts are not eligible for this promotion. The business must be registered within the U.S. with the accounts mailing address in Alabama, Arkansas, Georgia, Florida, Maryland, Mississippi, North Carolina, South Carolina, Tennessee, Virginia, West Virginia or the District of Columbia and have a valid U.S. TIN or EIN.
Earn {$200.00}. FIRST, open a Simple Business Checking, Primary Business Checking or SunTrust Business Advantage Plus account online or in a branch between XX/XX/XXXX and XX/XX/XXXX, inclusive, and enroll in the offer by following the Branch Account Opening and Promotion Enrollment Instructions below. THEN, within 30 days of opening the new eligible business checking account, you must make cumulative qualifying deposits ( as described in the Qualifying Deposits section below ) of {$1500.00} or more into your new account.
Qualifying deposits for new business checking accounts exclude debit card ( credit ) transactions and NSF fee refunds. Deposits can be made on a one-time basis or cumulatively over the 30 days.
After meeting all qualification requirements, the cash reward will be deposited into the new eligible business checking account in up to 8 weeks after all qualifications are met. If the {$1500.00} new checking account deposit requirement is not met, you will not be eligible for the reward. When the cash reward is deposited, it will appear in your new business checking account monthly statement as XXXX XX/XX/XXXX Small Business Checking Reward. This offer is only applicable once per client. SunTrust may report the value of any reward received through any offer to the Internal Revenue Service, as required by law. Any applicable taxes are the responsibility of the recipient.
The new business checking account must remain open and in good standing with a minimum balance of {$0.00} until the reward is processed in order to receive the reward. Reward forfeiture will occur if : ( 1 ) the business checking account is changed to an account type not included in this client offer, ( 2 ) the business checking account is closed prior to the reward being processed, or ( 3 ) the new business checking account has a negative available balance at the time of qualification validation. SunTrust reserves the right to deduct the reward amount from the business checking account at the time of closing if the new business checking account is closed by the client or SunTrust within 180 days after opening.
All bank account bonuses are treated as income/interest and as such you have to pay taxes on them I received an email approval of the account opening on XX/XX/XXXX. I also was contacted via phone call a couple days later. I asked at that time how do I get access to the account. The gentlemen said I would receive an email with detailed directions. I attempted to sign-up online over 3 times in the next two weeks, contacting Suntrust Bank. Each time they send they needed to re-send my application for online access and I would get a follow-up email with directions. Every time it did not work. I finally received access to my account on XX/XX/XXXX ( which I have in writing via secure message from the bank ). However, I wasn't even aware I finally recieved access until the XX/XX/XXXX, because I was not notified and just tried to log-in. At this point I immediately tried to meet the terms. According to the terms, the deposits need to take place within 8 days of me being aware I had access to the account ( 2 of which were weekend days banks weren't open ). The account terms were met on XX/XX/XXXX. 5 days after the 30 day period, but only 14 days after I gained access to my account. I followed up immediately to which I received a reply they would look into it and let me know within 5 business days. 10 days later I followed up and received a reply that I did not meet the terms, with no response to my complaint that I didn't get access to the account. It was not my fault I couldn't meet the terms, as I completed the terms within 14 days after gaining access to my account, which would be well under the 30 day terms in the Suntrust offer details.
|
| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
XX/XX/18 - I contacted Suntrust Bank about 2 unauthorized transactions for the amounts of {$200.00} and {$180.00} which were in the pending stage and told them I did not recognize these transactions. Suntrust canceled my card and said they would issue me a new card.
XXXX the two transactions actually posted to my Suntrust account and I was told to fill out and fax the affidavit paperwork, which I did. I contacted XXXX XXXX about what was going on because I didn't understand why money was coming out of my bank account when I didn't initiate any transactions. I was asked by XXXX XXXX to send additional information about the transactions so I emailed them a screenshot with the details of the account shown on my bank account. XXXX XXXX said that there was another account created in which my bank debit card was linked to the account somehow. They advised me to call the bank and start a report, which I had done already.
XXXX Suntrust issued a provisional credit totaling the {$380.00} XXXX Suntrust denied my claim stating no error occured. I called immediately about my case being denied when someone has compromised my bank account. I asked how can that decision be allowed when I didn't authorize any transactions and I also told them about the information XXXX XXXX had given me about someone linking my card information to another account that was created. Suntrust asked me to fill out a rebuttal form, in which I completed and faxed over as well as the email communication that I had with XXXX XXXX about the card being linked to another account.
XXXX My Provisional credit was reversed!!! Suntrust took back the money that was taken away from me. I was furious and it was the holiday season so I could not get in contact with them, and I had to fly to work within the next few days.
XXXX When I got back in town from work, I visited a Suntrust branch bank at XXXX XXXX XXXX , XXXX , GA XXXX. I spoke with one of the ladies in the office and she went through the phone process to check on the status of my case. She was told by her people that there is nothing we can do at the moment until the case is finished and they had 45 days total to do so. I requested to be contacted by the investigator to help expedite the process and see what was wrong and if there was any assistance I could do to help. I also filled out a complaint to Suntrust in which the lady in bank help me send.
Week Later or So- I called to check on the status of case and was told the same information about waiting until the investigation was complete.
XXXX Suntrust denied my claim once again. I called immediately to find out what happened and representative told me at this point there was nothing that can be done and to contact XXXX XXXX because its not considered fraudulent activity but a merchant error, also told to call a supervisor and speak with them in the morning. I asked the lady how was it a merchant error when XXXX XXXX said my card was linked to another account and money was transferred out? The representative was getting upset and said again there is nothing she can do at this point. I contacted XXXX XXXX to get an understanding of how it was possible for someone to do this. Especially, when the XXXX XXXX account used wasn't my own.
XXXX I was contacted by XXXX from XXXX XXXX and was told the bank is to do the dispute because payment was initiated from a debit card that is from Suntrust and that XXXX XXXX can only start a dispute when funds come from a customer 's cash balance or XXXX, and that it was likely my debit card was stolen outside CashApp. XXXX said they have notified their team about the person using my card may be using their account to scam others.
Few days later- Contacted XXXX XXXX again to question more about how my information was taken. They told me they can't speak on the matter anymore and sorry there was nothing they can do at this point.
XXXX Contacted Suntrust Bank to speak with a claims supervisor about my disappointed in the Bank denying my claim and not protecting me in this event. I asked questioned to her, if someone has compromised my bank account and taken money out of it, how is it possible there is no protection for me. She said she understood my concern and would draft a letter to the investigating team and hopefully they may give a response. Later that evening, I got a call back from her and she apologized and said unfortunately there was nothing they could do at this point. I asked what is it that would make me not have protection and she made a statement about my card info being linked to XXXX XXXX and to try to see if they can send the money back and that's all she could do. Unacceptable!!! This bank has truly let me down and I have been an account holder since I was XXXX years old back when it used to be XXXX XXXX!!! I have a family to feed and they act as if they could care less. I searched online and saw there are numerous complaints about this as well. They need to be penalized for these actions.
|
| 02/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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Attachment for Complaint : XXXX & XXXX XXXX Staffing ( XXXX XXXX ) Re : SunTrust Bank.
I am a small business owner in XXXX, Arizona, who opened a bank account with SunTrust Bank last month, up until today I was happy with SunTrust. However, as of today my account was closed abruptly. After calling around and getting information, I was told that my account was closed due to a report from XXXX XXXX. I am very upset about this, because SunTrust didnt give me the consideration of calling me to tell me that they would be closing my account. I am a small staffing firm and I have payroll on a weekly basis, I have not had any bounced checks or returned checks to be deposited into my account with SunTrust.
In finding out about my account being closed, I am then told that the funds in my account are going to be held for at least 3 weeks. I am told 1 Once the deposit the check that I deposited in the amount of {$4200.00} has cleared which as of today my client has informed me that the check has cleared her account and the hold from SunTrust bank has been released on XX/XX/XXXX at XXXX, then the funds will be available. However, my account is in a Non-debit status meaning my funds can not be utilized. 2 Then the funds will be held an additional 5 days so that there is no activity on the account. 3 The next 5 business days after that the account will be closed and funds will be mailed out to me.
As I stated above, I run a small business a staffing firm, I have employees that I can not and will not be able to pay because of the actions being taken on my account. I depend on my business revenue to survive and I can not and will not be able to pay bills, employees, or house expenses because SunTrust has taken the liberty to hold on to my funds for 3 weeks. What am I supposed to tell my employees who also have families? I have a payroll on Friday XX/XX/XXXX, how am I supposed to pay this?
Please make this right for me. My account with SunTrust is closed for Regulation Reasons, and nothing else. My funds should not be held for 3 weeks or longer, how am I as a business owner and a consumer going to be able to pay my employees and other expenses as I should. I feel that since you have taken the liberty to close my account, once my funds have cleared I should be able to utilize the debit card that I must remove my funds from SunTrust Bank. I dont live in an area where I can go to a SunTrust location. I live in XXXX, Arizona.
I hope that one of the individuals reading this email will take the liberty to make this situation work for me as well.
XX/XX/XXXX, I sent this one I emailed you and others in the SunTrust Corporate office about the above-referenced account. No one has taken the liberty to call me back or even respond to my email. Leaving me to the understanding that SunTrust does not care about its customers. With SunTrust closing my account abruptly, it has left me with no money to pay my employees or my bills.
I have employees that have checks to be cashed this Friday, and last Friday. But if they deposit them the checks will bounce due to the actions taken by SunTrust. This is such an unfair action. I am told that my account is on a No-debit status, but that the bank is holding my money to see if checks are presented. Whether the checks are presented or not the bank is not going to honor them.
It seems to me that SunTrust bank should release my funds so that I may be able to pay my employees.
And this was my final email. Still with no resolution.
Today I have had two of my candidates call me because their checks have bounced. A Candidate said that she couldnt pay her rent because her check bounced, and the other cried on the phone this young lady has XXXX small children. As of today, when talking to XXXX XXXX XXXX, there is still no valid answer as to why my account is being closed or why my funds are on hold.
On Monday, XX/XX/XXXX I had a conversation with XXXX XXXX XXXX, who assured me that the two checks mentioned above would be paid she said that they would be forced paid because my ACH deposit would hit my account on Tuesday, XX/XX/XXXX in the amount of {$1900.00} in which the deposit did post to the account.
Not only is this issue with SunTrust affecting me, it is affecting my employees. Yet in still I have not been given a valid reason as to why checks were not paid and/or why the account is being closed.
This is very unacceptable. The remedy to this situation would be that SunTrust Bank should release the funds out of my account so that I can pay my employees and other financial obligations.
I am very upset and disappointed in the way that this is being handled. I have called XXXX XXXX and was told that I would receive a phone call back this afternoon. I have yet to receive that phone call.
XXXX The Resolution that I am looking for is that SunTrust Bank release my funds immediately and compensate my candidates for any bank fees that they have incurred due to the SunTrusts actions.
|
| 12/16/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Opened new checking account and savings account at SunTrust Bank XXXX, GA local branch on XXXX/XXXX/2017. checking acct : XXXX - XXXX and savings account : XXXX - XXXX subsequently, requested XXXX credit report dated XXXX/XXXX/2017 with confirmation # : XXXX. On page 4 of 14, it clearly reads in capital and bolded letters, " ALERT ( s ) : Extended Fraud Alert and File Blocked For Promotional Purposes '' In the latter part of XXXX 2017 I received a certified letter from SUn Trust Bank XXXX XXXX XXXX XXXX at phone XXXX, which stated in paragraph two : " As a result of a recent account review, we regret to inform you that Sun Trust is no longer able to provide some of the financial services you require. We respectfully request that you close all of your Sun Trust deposit accounts, safe deposit boxes and credit cards by XXXX/XXXX/17. If you do not close these accounts by this date, we will close them ... '' On Mon, XXXX, I went to the local branch in XXXX, GA and met with my banker. He called the aforementioned XXXX XXXX XXXX XXXX phone in XXXX and spoke with a representative there while I was seated in his office. He informed the rep that I was seated in his office and listening to the phone conversation. When asked for a reason why my accounts were suddenly and abruptly closed, he was told that this was an order that came from upper management. No reason was offered and when asked the only response was, " because. '' Since I am unable to speak with anyone at upper management at Sun Trust, it seems only logical to me that letter of XXXX/XXXX/17 was prompted by the aforementioned results of my credit report dated XXXX/XXXX/17. It should be noted that at the time there was an Involuntary Account Closure ( IAC ) by Sun Trust, I had a combined balance of over {$7000.00} with no overdrafts or nefarious activity.
Despite the fact the certified letter said account closure had a deadline of 30 days from the date of the letter ( XXXX/XXXX/17 ), on Sun XXXX/XXXX/17 my ATM debit card was suddenly cancelled. I only found this out by going to the ATM in front of my bank in XXXX, GA. I was given no warning and it once again, I was the victim of an IAC. Why write XXXX/XXXX/17 as final day for account closure and then terminate my ATM card on XXXX/XXXX/17. This IAC activity caused me immense problems because my debit card was listed with multiple accounts to pay for goods and services on a rotating basis ( example, VSP for vision and eyeglass/contact lens services ). It also created an unnecessary amount of stress for me, which was unwarranted.
Furthermore, I deposited roughly $ XXXX into my combined checking/savings account each month with absolutely no untoward activity.
My complaints are as follows : 1. Sun Trust Bank ( STB ) discriminated against me in their IAC activity, vis-a-vis the fact that they took action without an inquiry on their part ( re : no inquiry as to the Extended Fraud Alert on my credit report of 10/21/17 ) 2. STB was unfair and misleading in their treatment of my accounts, especially in light of their early termination of my ATM debit card on XXXX/XXXX/17 rather than stated XXXX/XXXX/17 3. I maintain that STB is in VIOLATION of Federal Consumer Protection Laws or Regulations, including : A. If my IAC was a result of my credit report, it is incumbent on them to check to see if the information used in their decision is correct, which was never executed B. The failure on the part of STB to inform me as to the reason of my IAC, vis-a- vis, I have the right to know what info is in my consumer report and allow me to correct anything that 's not accurate C. My IAC has been reported a XXXX XXXX XXXX XXXX ( XXXX ) in violation of bylaws of the Consumer Financial Protection Bureau ( CFPB ).
Namely, if I am denied an account based in any part of info from a XXXX, which is indeed what happened, then STB MUST give me a notice that includes the name of the company that provided the negative info D. The same as above ( Ibid ) except that I was almost denied the ability to open a new checking and saving accounts at another bank or credit union E. The incorrect assumption WITHOUT any investigation on the part of STB that I am suspected of fraud related to my STB accounts F. As a direct result of my IAC, my account was reported to a XXXX, the effects of which can taint and tarnish my checking account report for up to seven years in the future G. The failure on the part of STB to make sure they provided me with the info about XXXX that provided the negative account history that was used in the XXXXAC H. Summarily, as a result of the aforementioned items I have been DENIED the ability to contact the reporting company that was used in order to request a free copy of my consumer report. STB failed, and in fact, egregiously refused to provide me the name, address and phone number of any reporting agency Thank you for your prompt attention in this matter.
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX
|
| 08/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
I have had several accounts with SunTrust Bank, one of which I have had for over 45 years. My son and I also have a joint bank account that we opened when he was a teenager, but it is used mainly by him.
My son was traveling in XXXX XXXX with his father in XXXX and XXXX of this year. He was in XXXX on XX/XX/2019. His last transaction was at a retail store where he purchased several gifts and that was on XXXX XXXX and the amount was {$490.00}. He used his ATM card. He then went into a restaurant where they had group tables and charged {$66.00} to his ATM card. The server brought the electronic device to the table and it had trouble accepting his pin which finally, after the third try, it went in. He recalls now, thinking back, that anyone at the table could have witnessed this transaction, and that was how his pin was discovered. He then went back to his hotel, and meanwhile, early the next day, I was at home in Maryland and looking at the online account, I discovered the many charges that had occurred on his account when I knew he was in his hotel. I called him and asked him if he had his ATM card, and it was at that point he realized it must have been stolen in the restaurant, which was dark and noisy. His flight back home was that day.
I will list the losses here, with the first illicit charges at the bottom of this list : DATE : XX/XX/XXXX Description : MAINTENANCE FEE Why did this happen?
Withdrawals : - {$10.00} Balance : {$15.00} DATE : XX/XX/XXXX Description : ONLINE BANKING TRANSFER CREDIT FROM XXXX XXXX Deposits : {$25.00} Balance : {$25.00} DATE : XX/XX/XXXX Description : OVERDRAFT PROTECTION TRANSFER FEE Withdrawals : - {$12.00} Balance : {$0.00} DATE : XX/XX/XXXX Description : FROM DEPOSIT ACCOUNT OVERDRAFT TRANSFER CREDIT Deposits : {$75.00} Balance : {$12.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX Withdrawals : - {$24.00} Balance : - {$62.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX Withdrawals : - {$24.00} Balance : - {$38.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX Withdrawals : - {$30.00} Balance : - {$13.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX Withdrawals : - {$53.00} Balance : {$16.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX - XXXX XXXX Withdrawals : - {$7.00} Balance : {$70.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE REST XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$13.00} Balance : {$77.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$67.00} Balance : {$91.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : XXXX {$67.00} Balance : {$150.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$67.00} Balance : {$220.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$140.00} Balance : {$290.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$130.00} Balance : {$430.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$170.00} Balance : {$560.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$130.00} Balance : {$740.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX PA XXXX XXXX Withdrawals : - {$290.00} Balance : {$870.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$79.00} Balance : {$1100.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX Withdrawals : - {$37.00} Balance : {$1200.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX - XXXX XXXX XXXX XXXX Withdrawals : - {$3.00} Balance : {$1200.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX Withdrawals : - {$19.00} Balance : {$1200.00} DATE : XX/XX/XXXX Description : CHECK CARD PURCHASE XXXX XXXX XXXX XXXX Withdrawals : - {$9.00} Balance : {$1300.00} DATE : XX/XX/XXXX XXXX : CHECK CARD PURCHASE HOTEL XXXX XXXX XXXX XXXX Withdrawals : - {$14.00} Balance : {$1300.00} DATE : XX/XX/XXXX XXXX : INTERNATIONAL ATM FEE INTL ATM CASH WITHDRAWAL FEE Withdrawals : - {$5.00} Balance : {$1300.00} DATE : XX/XX/XXXX Description : INTL ATM CASH WITHDRAWAL XXXX XXXX XXXX Withdrawals : - {$98.00} Balance : {$1300.00} DATE : XX/XX/XXXX Description : INTERNATIONAL ATM FEE INTL ATM CASH WITHDRAWAL FEE Withdrawals : - {$5.00} Balance : {$1400.00} DATE : XX/XX/XXXX Description : INTL ATM CASH WITHDRAWAL XXXX XXXX XXXX Withdrawals : - {$210.00} Balance : {$1400.00} DATE : XX/XX/XXXX Description : INTERNATIONAL ATM FEE INTL ATM CASH WITHDRAWAL FEE Withdrawals : - {$5.00} Balance : {$1600.00}.
This is in reverse order, and at the top, the bank has made additional charges which they tell me I must pay.
|
| 11/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
We have a SunTrust Business Checking account for more than 22 years.
Our business banking check with SunTrust Bank was illegally altered to payable to " Cash '' was put through XXXX XXXX and paid by our SunTrust Bank in the amount of {$7800.00} on XX/XX/2018. I found out about the check when I asked for balance after I made a deposit the next day, which is the XXXX of XXXX at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. I filed a fraudulent check cashing complaint with the same bank location on the same day. The bank rep told me I will receive the money in 10 days. I was also told I will be getting a call from a bank investigator.
I Received a call from the investigator. She informed me that the check was put through XXXX XXXX. She asked me a few a questions and then told me to fill up an affidavit and return it to her. Which I did and emailed it to her on XX/XX/XXXX. I followed up on the XXXX to make sure bank received it. I spoke to someone by the name of XXXX XXXX, she informed me that the affidavit was sent to XXXX XXXX and we should be getting the money back in 30 days or less.
I followed up again on XX/XX/XXXX and reached someone by the name of XXXX XXXX. She told me XXXX XXXX has not responded to their communication yet. She is also not sure if I was going to get the money back in 30 days time limit or so. I asked to talk to supervisor, XXXX XXXX came on the phone. She informed me the 30 days time limit is something different, this could take 90 days or as much as 120 days. I reminded her that SunTrust Bank had our money and therefore they need to credit out account for the amount stolen from the account. This is a substantial amount of money and we can't wait 90 or 120 days.
At this point I am getting a little concern as I am getting so many different versions about the time to get the money back.
I approached the Bank Manager on the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX, at the next day on the XXXX. He made a call to SunTrust Claim at my presence and spoke about the issue. The Bank manager told me that claims dept. has not heard back from the XXXX XXXX. He asked to expedite the issue meaning we could hear something from in 24 hours. He informed me that ACH issues have a 90 day limit of investigations, however he has never seen a case taking more then 30 days. I told him I would like to get the issue resolved, and if it doesn't we may have to consider other legal options to get our money back as bank should just credit our account and take it up with the XXXX XXXX.
I followed up the next day, he called the claims Dept. only to hear again they have not heard anything from the XXXX XXXX yet.
I followed up with the bank manager on Tuesday XX/XX/XXXX, however he was on vacation. I made a call on my own to the SunTrust claims Dept. again. Once again I was told they have not heard back from XXXX XXXX. I asked to talk to a supervisor, someone by the name of XXXX XXXX came on the line and identified herself as a supervisor. She refused to give her official position and stated the same they have not heard back from XXXX XXXX. I reminded her SunTrust had a fiduciary responsibility to care for the money, however they failed to do so, and they should credit our account as they had the money and not XXXX XXXX. I told her I don't need to know what happened with XXXX XXXX, as our relationship is with SunTrust and not XXXX XXXX. SunTrust Bank gave out our money on a fraudulent illegal check.
I decided to call the CFPB on the XXXX to find out what they do and how to file a complaint.
I followed up again on the XXXX with SunTrust bank manager at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX. He called the claims Dept. and after about 25 minutes of wait informed me they have not heard back from the XXXX XXXX. I informed the bank manager that all issues I have had with personal account with XXXX XXXX XXXX gets settled in days, and even sometimes before I even found out about the issues. Frustrated I clearly told him I am getting run around by the bank, and asked what will happen after the 90 days or 120 days. The bank manger said he wasn't sure but will call the claims Dept. again and allow me to ask the questions directly. He called and after another wait of 25 minutes XXXX XXXX XXXX came on the phoneline. She said they haven't heard back from the XXXX XXXX. I asked her what happened after 120 days, if they don't hear from XXXX XXXX, she said nothing and told me the investigations could take as long as needed and there is a chance I may never get the money back. She also told me they are not the actual investigators, they only read the updates posted by investigators.
At this point I told her that I will file a complaint with the CFPB as it is absolutely ridiculous that they can't get give me any real update about getting the money back.
|
| 07/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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Fundamentally I write regarding two separate abusive practices by SunTrust Mortgage. The first relates to their process of requesting a " payoff statement '' which they use to add additional days of interest, and for which they require certified funds. I 'm not sure what the purpose of requiring certified funds is ... based on how slowly they process things, they would not release the mortgage until after my funds had cleared. I consider it abusive in that they are refusing to accept a payment lawfully made to them in whatever form that it comes. The second relates to their admitted refusal on XX/XX/XXXX of my monthly payment made by me by check. Because I paid additional principal in an amount that would have satisfied my mortgage, they returned the check., despite the fact that I had not requested a payoff statement, and provided me with one. To add further information, I submitted a check for {$53000.00} that was received by SunTrust before XX/XX/XXXX. Their return letter, which I will upload as a document if I am able, was dated XX/XX/XXXX. My principal balance as of that date was {$52000.00} per their payoff statement ( which it says I requested, which is false ). Calculating that they would have received it prior to the end of the month, plus miscellaneous fees that they would charge, I wrote a check for {$53000.00} to them and mailed it on XX/XX/XXXX, clearly marked as my {$800.00} payment due XX/XX/XXXXas well as additional principal. Even if they require a " payoff statement '' be made in cashier 's check form, surely they can not refuse a monthly payment made by check?
Instead, they sent me their letter on XX/XX/XXXX which stated that they would be refusing my monthly payment because it was not in cashier 's check form, and providing me with a payoff good throughXX/XX/XXXX which of course included more interest through XX/XX/XXXX When I called SunTrust, it appears I was caught in a catch 22 ... they would n't accept my monthly payoff, because it included sufficient principal in addition, as admitted by them, as would be required to pay off the loan. And yet they also would n't accept that payoff because it was n't in a cashier 's check form. Again, doing the math backwards from their payoff statement, the amount submitted to them actually would have paid off the loan, which was great. The payoff indicates that the principal due was {$52000.00}, and that they would charge me an additional {$58.00} recording fee. Interest through ( generously since this is the date of their return letter ) the XX/XX/XXXX would have been {$250.00} for a grand total of {$53000.00} and change ... less than the {$53000.00} check that they refused, which was broken down by monthly amount as well as additional principal.
Whether they wished to consider the loan paid off is a separate abusive practice, but refusing my monthly payment, and potentially forcing me to incur late fees if I was n't informed of their refusal to accept US funds in check form for a monthly payment, also to their benefit, seems additionally unfair. So by the time they returned this payoff statement to me, which was generously through XX/XX/XXXX they had managed to get to a total of {$53000.00}, or an additional {$120.00} for which they could feather their stockholders ' nests with, for the privilege of them refusing to process a payment made in lawful US currency and apply additional principal all as directed by the form which they mailed me.
While as I noted, I think that the practice of requiring " certified funds '' for a loan payoff is ludicrous, I find it even more unfair that a bank can refuse a monthly payment for the reason that additional amounts are included with the payment. They also note in their " payoff statement '' that " short payoffs will be returned '' urging me to contact their Client Services Department. Suntrust really appears to want to get you coming and going ... a payment of too much they will return, a payment of too little they will return. A payment made via check will be returned ... yet payments of less than the payoff amount are accepted every month.
Of course, I have no choice but to comply, since otherwise they will bruise my credit and make it impossible for me to take out another loan to buy a house. So here I am, forced to pay additional money to them because they acknowledge they refused an amount equal to more than the debt owed by me. Most of all, I would like to end this abusive practice of banks refusing to accept payment by check for debts owed to them. People can calculate interest due to the bank, understanding of course that mortgage interest is in arrears, why should they request a " payoff statement '' and be charged for said payoff statement ... when they can plainly calculate what is due?
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| 11/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My Mother passed away in XXXX of XXXX my father then passed in XXXX of XXXX. In my fathers Will I was left his home in Pennsylvania. I lived there with my Parents for the 4 years they owned the property with my XXXX and XXXX year old Daughters. The home was left with a mortgage of about {$150000.00} and a value of {$350000.00}. The mortgage was with Suntrust Bank.
In XXXX of XXXX as the Probate period was nearing its end I contacted Suntrust Bank to notify them of the deaths of my Parents. I also inquired about what the process was when being left a mortgaged property. I was also not sure if the mortgage was current, ahead or behind. Suntrust notified me that the only way they could speak to me was if I sent them a request package. This package included both of my parents death certificates my fathers Will and a certified Letter of Authority.
I sent that in within a week. It took 6 weeks all tolled for Suntrust to admit they received the package. This was after many phone calls trying to locate the proper personnel to advise me on my plight .The first person I remember actually directing me was named XXXX . XXXX explained that at this point my loan was not being handled by her department which is special loans but was now in loss mitigation and that XXXX XXXX was going to handle the loan from now on. I called XXXX for about 10 days straight. The phone was answered and I was directed to her line. The problem was that I was sent to a recording saying the agent was busy please remain on the line. No one ever picked up the phone. Part of the recording was letting you know you could leave a message and the person you were calling will get back to you in 24-48 hours. No one ever called back. It wasnt until a week later that I realized while I was waiting on hold if I hit # 1 on the phone I could actually reach XXXX phone machine. No one ever called back.
When I voiced my displeasure the people answering the phones said that although XXXX was too busy to help, that they could help me. I talked to at least 6 different people over the next month. Each person had their own belief as to what I should do. This left me unsure of what I should have done. Some of them told me I could not assume the mortgage. One person told me I could As Is the mortgage I would just have to pay the mortgage amount up in full.?. I asked each person for explanations but was left confused by what I should do.
I tryed right before XXXX to wait out XXXX but she was not going to call back. At this point I owe almost 4 months ( Suntrust wont accept payments now XXXX and called again and reached a XXXX. I told her Im worried the house will go into foreclosure. I could not pay the {$5700.00} due at once but could scrape up {$3000.00}. XXXX said that was acceptable as long as the rest of the money was paid on XXXX XXXX. I agreed and was able to get {$3000.00} in the bank by the day after XXXX. The account numbers were given to XXXX and the money was to be transferred through the banks. I called Suntrust to see if they cashed the money on Friday afternoon. XXXX and XXXX were not available so another person told me that the {$3000.00} we agreed to was not acceptable, only full payment would be accepted. I told her I had a confirmation # ( XXXX ) She said XXXX made a mistake and that I should stop payment on the check. They would only send it back to me.
I figured that on the holiday weekend they hired temporary help and that on Monday I would be reassured. After all I didnt even send a check it was done electronically .On Monday XXXX and XXXX were again not available so I spoke with another operator who informed me that they would not accept my {$3000.00} and XXXX was wrong. She then informed me to quickly file for their modification assistance package before they start foreclosure. I was already told on 3 different occasions I wasnt eligible to modify a loan I was not named on. I sent in the paperwork anyway today.
After 2 and 1/2 months or more I still do not know what to do or who to go to or even if I should pay them. When Suntrust would not accept payment or even offer a viable solution or explanation of their position I believe theyre illegally forcing the property into foreclosure. If I pay the full amount ( which Ive never been given an accounting of ) is it still enough to to be able to pay As Is, I dont know. Or is this a way to extract money from me to reduce the mortgage amount and still foreclose. This leaves me in an unenviable and unbelievably stressful situation.
To rectify this I would like to speak to ONE person who not only has the ability to help me but also the authority to end this ugly situation. I always have the option to get an Attorney and sue. Thats not my objective but it seems Suntrust wants my loan ended at any cost.
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| 06/27/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a checking and saving account in order to deposit my retirement check. After I opened the accounts I was told by the local bank that my funds would be available the next day. They assured me of this. The account was opened on XX/XX/XXXX. I put {$6400.00} in checking and {$6000.00} in savings. The next day I commenced to paying bills on-line. When I went to the bank a few days later to withdraw some cash, I was told that my account had been placed on hold and was given the customer service number by the teller to call and find out why. This was devastating because now I had paid my creditors only to find out that none would be receiving their money, because Suntrust Bank had frozen the account. When I called customer service, I was told that my account was placed on hold and was under review for closure and that I needed to speak with the branch bank and that the bank needed to look at the note section in their system. I was sitting in the bank at the time I made the call, so I spoke with the branch manager and told her what customer service had to say she conversed with the banking person who opened the account and the two informed me that neither had any information that they could give to say why this had happened. They made phone calls themselves to their main office to see what was happening with my account. I was told that I could leave and did not have to wait but that the banking person who opened the account for me would call me as soon as they found out any information. I left the bank and received a call from the bank shortly after, telling me that Suntrust Bank did not wish to have a banking relationship with me and are closing out the accounts and that I will receive a letter in the mail. Since this time I have called the bank again asking for any new information about the release of my money, The bank still does not have any information and said to call the fraud department and find out why my money is not being released. The fraud department told me when I called that I needed to go back to the branch and tell them to give me the rules and regulations on closed accounts. I was given the rules and regulations when I opened the account so there was no need for me to go and get that again, Instead I called and the branch manager stated again that they did not have anything more that they could give me and asked if I owed any other bank that may have been charged off my account I told her that I did have one with XXXX and that I was attempting to pay it with my funds but they were not able to be paid because of this freeze. She said call the fraud department back and ask them to tell me why this had been placed on hold for closure. I called the fraud department back on yesterday XX/XX/XXXXwho I again explained my situation and again was told to go to the bank and get the rules and regulations that are in conjunction with closed accounts. After sometime of going back and forth I asked to speak to a supervisor. Once the supervisor was on the phone I begin explaining the situation to him as well. He asked that I hold on for about 5-6 minutes while he checked the back office to see what was happening with my account. After about 5 minutes or so he returned only to tell me that my account was being investigated for closure and that I would receive a letter in the mail in 15 days from the day of opening which was XX/XX/XXXX. I asked him would my money be sent with the letter and if it would be my original check or their check, he said they would send me a check from Suntrust for the balance in the account. I asked him to please be specific as to why they were closing the account because saying that I need to look at the rules and regulations was not being specific. He said he could not tell me that. The bank has reversed all the transactions I made to my creditors and now the creditors are calling me asking for payments and threatening to send my accounts to the credit bureau, I also called the insurance company today XX/XX/XXXXand spoke with XXXX XXXX to see if the check had been cashed by the bank. The insurance company said that the check was cashed a week ago. So that means the bank has the money, yet will not release my money to me. Why would they open the account in the first place, if there was any type of problem only to cause me this anguish and distress, and major inconvenience. I understand that they have the right to close my account for any reason or no reason at all and that is perfectly fine with me, but do n't hold my money, banks use folks monies to their advantage everyday while persons like myself suffer and are left with no answers. That is my hard earned money from working many years, This makes no sense, I want my retirement monies released back to me. It only fair.
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| 12/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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On XXXX XXXX I applied for XXXX XXXX XXXX XXXX XXXX XXXX Credit, Checking and Savings accounts. I was approved and confirmed. During this online set up process, I initiated the transfer of {$250.00} to the XXXX Checking and {$250.00} to the XXXX Savings accounts from my SunTrust Savings account. Upon doing so, I set up mobile banking online as well. These two payments as well as a {$6.00} " Excessive Withdrawal Fee '' were posted to my Suntrust account and the funds were deducted on XXXX XXXX XXXX time unknown ). On the same day at XXXX XXXX, I received an email from XXXX XXXX XXXX stating " Dear Customer, we're letting you know that your Online ID has been disabled at your request ''. I did not request this. After five different phone calls, I was finally told I had to go to a XXXX XXXX XXXX branch and show two forms of ID to prove my identity.
I went to a branch the next morning on XXXX XXXX, where I was told the XXXX Checking and Savings accounts I had previously set up and sent money to were no longer in existence because the XXXX team considered me a fraud or security threat of some kind. For clarity let 's call these two first accounts " Set A ''. At the branch I was helped to set up a new XXXX Checking and Savings account, which will be " Set B ''. So at this point, I was told by the XXXX associate that the {$500.00} I sent to the Set A accounts could not be accounted for, and that he assumed when Suntrust sent the money to a ( presumably ) non-existent account they would eventually realize and the money would " bounce back to me '' in a few processing days. Not reassuring but I accepted this.
The branch associate who helped me also suggested that I use XXXX to transfer money again from my Suntrust account to one of the new XXXX accounts in Set B. He mentioned, " It only takes minutes to process. '' This was not my first time using XXXX, but he even helped me set it up on my phone to work between both banks. I even received an email at that time from Suntrust confirming the action. I then attempted to send {$500.00} from my Suntrust savings account to my new XXXX Checking account via XXXX. Within seconds, the Suntrust team emailed me with " Alert : Problem with your account. Contact Customer Support immediately ... Your XXXX account is on hold. '' This is not the first time Suntrust has wrongly flagged me for fraud for legitimate transactions. It happens frequently in fact. I called customer support immediately and the automated system told me my account was unlocked after entering the necessary security information.
However, I wanted to speak to a representative to see what was really going on and to ensure the payment would go through. So I called and was passed around to multiple departments before being informed that my XXXX account was relocked again for suspicious activity and that all external transfer capabilities were suspended as well ( this was less than 10 minutes after the call stating that I had unlocked it ). They informed me it would take them 24 to 48 hours to '' investigate the account in question '', despite my verbal consent and passing all the security measures. So now, at this point, I have no idea if the XXXX transaction has gone through, because for more than 24 hours, I was unable to even see my XXXX account because of their lock out. Later that same day, at XXXX on XXXX XXXX, I received an email from Suntrust stating " Access Denied for Funds Transfers ''. I still had no access to my XXXX account, though, so I waited.
On Friday XXXX XXXX at XXXX PM ... more than 48 hours after the initial suspension ... I was informed in two emails from Suntrust that " Your access to SunTrust Online Transfers Service has been re-activated '' and in a second email that the {$500.00} XXXX payment was confirmed. The XXXX payment, which " typically takes minutes '', has still not made it to my XXXX XXXX XXXX account, but it has been taken out of my Suntrust savings. And now I suspect that it will take until Monday at least to see the money go anywhere.
All the while, I still have not seen any indication of the first {$500.00} being refunded to my account. It has been 7 days since that transfer was initiated and 5 days that the money has been " processing '' in other words : withheld from me with no sign of outgoing or incoming direction. Now, Suntrust or some mystical realm of credit is withholding {$1000.00} from me for what I suspect will be several days because of their mistakes. And again, all of this is with no formal documentation or acknowledgement.
On top of everything, XXXX XXXX XXXX sent me a debit card with the wrong account on it. Now, the {$500.00} XXXX deduction does not appear in my activity history, but the deduction reflects on my balance.
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| 01/04/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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The following is being forward to Inspector General, F.B.I., Florida CFO, XXXX Police, IRS, SEC, CFPB, and FINRA. To make sure that this matter is properly handled you can close the transaction or the professionals can instruct you to close it but I have a right to the offering and I am willing to enforce that right to the fullest unless you comply with services advertised, offered, and that as escrow agent you are contractual obligated to provide. The only role you had in this transaction was to make sure that I could secure/insure my interest in the offering I provided that. You then come to hinder that with intrusive inquire into my trust only to deny establishes malice when you role is insurance verification.
On XXXX XXXX, 2017 I went to the escrow agent for a closing on the acquiring of a digital asset ( ICO ) XXXX XXXX. To qualify for this closing I was required to provide an insurance product to secure insurable interest in the goods being sold. Suntrust Wealth Management Team/Escrow Agent XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX sent me to a few departments When I only needed them to verify my insurance product was valid, issue the letter of credit, and place the asset in a trust account. They first lead me to believe that as escrow agent they would handle the closing. I have approximately 60 emails covering this correspondence arranging closing getting financials over to wealth management team and insurance product so that my trust interest would be protected. As an insurers agent the parties involved are aware that to provide false information regarding business related to the policy is insurance fraud. But because they feel that the can hide under the color of florida state law F.S. 672.722 to deprive me of my right to private trust property. The state was aware that an organization could use legislation that was passed like F.S. 672.772 to deprive individuals of their right to private property, so Florida legislatures enacted F.S. 70.001 to protect those rights. Because of the wealth management teams willful denial to close out and lawfully closed transaction means they are attempting to use F.S. 672.722 to deny me a right to insuring interest in a transaction that I executed lawful subscription contracts to XXXX USD in XXXX ICO. The wealth managment team are depriving me of a right to F.S. 70.001 under the color of the law F.S. 672.722.
Title 18 U.S.C. 241 and 242 states that if a person or organization does this that it is criminal. I am willing to hand over all emails and financials to prove the merits of this criminal claim.
Title 18 U.S.C. 241 states : If two or more persons conspire to injure, oppress, threaten, or intimidate any person in any State, Territory, Commonwealth, Possession, or District in the free exercise or enjoyment of any right or privilege secured to him by the Constitution or laws of the United States, or because of his having so exercised the same ; or If two or more persons go in disguise on the highway, or on the premises of another, with intent to prevent or hinder his free exercise or enjoyment of any right or privilege so secured They shall be fined under this title or imprisoned not more than ten years, or both ; and if XXXX results from the acts committed in violation of this section or if such acts include XXXXXXXX or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX XXXX XXXX or an attempt to XXXX, they shall be fined under this title or imprisoned for any term of years or for life, or both, or may be sentenced to XXXX.
Title 18 U.S.C. 241 states : Whoever, under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon, explosives, or fire, shall be fined under this title or imprisoned not more than ten years, or both ; and if XXXX results from the acts committed in violation of this section or if such acts include XXXX or an attempt to XXXX XXXX XXXX XXXX or an attempt to commit XXXX XXXX XXXX or an attempt to XXXX, shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to XXXX.
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| 11/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I sent the email below with the appropriate documents attached to Suntrust board of directors and was contacted by a XXXX XXXX from Suntrust Bank who informed me I need a Hold Harmless Form from XXXX XXXX XXXX that issued the cashier 's check. I went to XXXX XXXX XXXX and called XXXX XXXX while being assisted by XXXX XXXX and XXXX listened to XXXX say that a Hold Harmless form is needed from XXXX XXXX, XXXX XXXX told me to relay the information that XXXX XXXX no longer issue Hold Harmless forms for cashier 's check because they post the next business day of being deposited. But she provided me with proof of processing and clear front and back of the cashier 's check and an email stating XXXX XXXX policies as of XX/XX/XXXX no longer issuing Hold Harmless forms : ( this is the email ) My name is, I opened a checking account at Suntrust XXXX, GA location with the Assistant Vice President/ Senior Branch Manager/ Scenic Promenade XXXX XXXX XXXX with a cashier check in the account of {$24000.00} issued from XXXX XXXX XXXX . ( see attached documents ). On XX/XX/XXXX I received the welcoming email asking me to complete my online enrollment with a link. I clicked the link only to be told my information entered does not match information in Suntrust system ( see attached ). I went into the XXXX, GA location and XXXX XXXX Vice President XXXX XXXX assisted me with my online error, only to discover the Social Security number entered by XXXX XXXX XXXX was incorrect. XXXX XXXX corrected the error and I completed my online setup while I was there at the XXXX, GA branch. I left for vacation Sunday XX/XX/XXXX and on XX/XX/XXXX I tried to transfer funds to my husbands account who banks with Suntrust as well, in which the online kept giving me errors again. I called and was transferred to the fraud department and was told I need to come into the branch with my Social Security card and ID in which I would not be able to visit a branch until Monday XX/XX/XXXX upon return from my XXXX vacation. I gave my Social Security card and Passport to XXXX XXXX Personal banker who handed my credentials to XXXX XXXX XXXX, and XXXX said he would return after he make a copy and fax them to the Back Office. While waiting I was notified my father passed, and XXXX XXXX searched the internal system for a contact number for the back office to get clarity on the next steps in the process after faxing my credentials to Suntrusts Back office and XXXX XXXX kept saying there was no number or point of contact for Suntrusts back office. XXXX XXXX finally spoke to someone ( while I sat and waited in her office ) and told me to come back tomorrow because it takes 24 hours from the time of the fax. I returned Tuesday XX/XX/XXXX and XXXX XXXX called some number in which her colleague informed her my accounts was closed on XX/XX/XXXX, I was in the branch the day before why didn't anyone see the accounts closed then? And I will receive a check for all funds in 5 days, only to discover utilities paid with my account were returned unpaid. XXXX XXXX called the back office to try have the funds released to me ( {$1000.00} ) from my savings account so that I could get those utilities paid along with get to my father to begin his funeral arrangements. XXXX XXXX XXXX told me I would receive a check in 5 days for {$24000.00} from the Back office. I was not understanding what was happening and XXXX XXXX XXXX or XXXX XXXX could not explain what was going on in the back office.Only that I would receive a check by mail in 5 days. Tuesday XX/XX/XXXX I called customer service XXXX who transferred me to the fraud department and spoke with Supervisor Patience, who informed me that I never should have been told I would receive my check by mail in 5 days and that XXXX XXXX has placed a hold on the cashier 's check until XX/XX/XXXX, I went into XXXX XXXX XX/XX/XXXX and the Branch Manager looked into XXXX XXXX XXXX to trace cashier 's check issued to me, to see what was going on with the {$24000.00} cashiers check number XXXX and she gave me the printout that the check cleared XX/XX/XXXX at Suntrust Bank. I know I'm a small fry in you all world but I received these funds because of a settlement on XX/XX/XXXX and I don't have another income right now my husband has had a XXXX XXXX and we're really struggling, The mishandling of this situation has become too much for me, I have attached all of the proof of where the funds originated and receipts from XXXX XXXX and Suntrust I don't know what else to do at this point because another round of bills has hit us. Please, help me! I'm trying with everything in me not to become depressed trying to keep the household afloat. Thanks for all of your assistance in advance!
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| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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Before I begin, here is the overview. A fraudulent check for {$3600.00} was deposited through a Suntrust ATM using my XXXX XXXX stolen debit card. It was withdrawn the next day sending his account into arrears. My daughters name is on the account with him as he is a XXXX. Without notifying us, Suntrust took the amount in arrears, {$2700.00}, out of my account because my daughters name is on it as well.
This is what happened. My daughter and her XXXX year old XXXX had an account at Suntrust in which his paychecks were direct deposited. The evening of XXXX, she was checking his account as she routinely does, and she noticed a {$3600.00} deposit had been made. The very next morning there was a debit transaction of {$2900.00}, which was less than 12 hours later. Upon talking with him and making inquiries, he had misplaced his debit card and believed it was stolen at school. My daughter notified the bank on XXXX. Suntrust fraud department said there would be a 10 day investigation. After 10 days, she received an email stating the claim was denied due to discrepancies. My daughter asked for copies of their evidence and reasoning for denial. When my daughter received a copy of the deposited check, the signatures were not a match, where you fill in PAID TO THE ORDER OF the suspect wrote out money amount, and THE WRITING OF THE MONEY AMOUNT was the name. The check was filled out incorrectly and never placed on HOLD. My daughter then filed a police report and an appeal at the recommendation of Suntrust. On XXXX, without notifying us, Suntrust did a bank assisted draft for the amount in arrears, {$2700.00}, from my account to recover their loss.
Suntrust told her that the appeal process would take 45 days. During this time, my daughter made several attempts to find the location of ATM deposit and debit card transaction at the request of the sheriff 's office. Suntrust refused to identify where this terminal was. It wasn't until my daughters third attempt and speaking with a manager that she was able to find the ATM location. Come to find out, the ATM ID is stamped on the back of the deposited check! After finally getting the ATM ID and location, my daughter notified the detective with the sheriffs office assigned to her case. The detective was able to retrieve ATM footage which ultimately lead to identifying and arresting a suspect. XXXX days after the appeal was made, XXXX, my daughter made a phone call to follow up with Suntrust. She received an email less than 24 hours later denying the claim again with no explanation. We are still waiting for the evidence to be mailed to us on the appeal.
Being a senior citizen, I have my daughter on my account at Suntrust. Suntrust used that to conduct a bank assisted draft of {$2700.00} from my account. I became aware of it when I checked my account. When I went in to talk to them, they couldn't assist. Whomever was present was incompetent.
Suntrust also took two of his paychecks, charged him NSF fees and returned item fees as well. It amounts to approximately {$360.00} from his account. Suntrust said the case is closed and there be no further action! The case has been sent to judicial court and the attorney on the case has stated that my money that was " BANK ASSISTED '' is an issue between Suntrust and myself. Suntrust is stating it would be a civil case against the suspect and there is nothing they can do. However, we feel that Suntrust NEVER conducted a real investigation on this fraudulent activity. They just denied it and took my money. Suntrust refused to call the detective with the sheriff 's office. Suntrust also closed this case before the detective was done investigating. Denial for the appeal form was emailed on XXXX. The sheriffs office called on XXXX saying they recovered ATM footage. XXXX was called in by the detective to look at the ATM footage on XXXX and he positively identified the suspect, whom is a student that attends his school. The suspect was arrested, and felony charges have been filed. Suntrust still will not accept this as evidence to refund my money. Instead, Suntrust decided to close this case before the investigation was completed.
My daughter and I talked to the attorney on the case in XXXX XXXX last week. She let us know that WHENEVER they go to court, they would be pursuing the {$360.00} associated with the XXXX 's debit card. The debit card is in his name only so it will be the only thing they can pursue. The attorney let me know that the bank assisted draft is an issue between Suntrust and myself. Apparently, to retrieve my money back, I will have to pursue a civil case against Suntrust. I am not sure where to go from here. Thank you.
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| 01/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Older American |
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I contacted Suntrust Bank approximately mid-XXXX XXXX because I noted charges on my account that were not mine. I looked for my credit card and did not find it.
A letter was emailed to me which is dated XX/XX/XXXX verifying that I had contacted them about the lost card and the charges which were not mine. There were six charges that were not mine. Only one charge which was a monthly recurring charge was mine for {$5.00} to XXXX XXXX XXXX. It was the only reason that I was checking the account to pay on it.
I will send you the letter ; it states that they would contact me for further information - which they never did. They did send me letters via email about the 6 charges. There were 5 letters addressing the 6 charges as one company ( XXXX XXXX ) had two charges. The other stores were at XXXXXXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX # XXXX XXXX and XXXX XXXX XXXX. Combined, the total was {$1100.00}.
Instead of contacting me for any further information, they sent me a letter dated XX/XX/XXXX which was less than 30-days later from the initial claim stating that they had found that these were my charges and the charges were placed back onto my account and I was told that I was responsible for these charges. It is clear to me that they did not investigate anything but, rather, made an expedient and advantageous decision for their company and, basically, pinned this responsibility onto me.
I called numerous times - especially after looking at what my options were on the internet - to discuss this matter with their fraud department. I believed that I had the option to appeal this decision at which they had erroneously arrived. However, they told me point blank that they would not accept my request for an appeal.
I contacted CFPB via phone and discussed with a CFPB my options and how I should proceed. I told that person that I had requested my entire file on this claim and that the SunTrust Bank representative had assured me that I would be sent all the information as to how they had arrived at the decision via their 'investigation ' that they obviously had not performed.
At one point in the multiple conversations that I pursued with the SunTrust Bank, I was told that the claim was denied due to 'inconsistencies. ' I asked them to explain what this meant and they stated that I shop at these stores. This is not true. I have shopped, previously, at XXXXXXXX XXXX but as one can see by my statements over the several years that I have been with SunTrust Bank, that I seldom shop there. I think that I found one charge at a XXXX store and that was years ago. I am not even sure that it was the same XXXX XXXX store as the fraudulent charge.
There are many XXXX stores throughout this area, I believe, and the amount that I spent was certainly not the sizable amount that was on this particular disputed charge. I am a single person, XXXX years old and I simply do not eat nor cook that much. Mostly, my groceries are purchased from XXXX and XXXX.
The other stores listed in the dispute - XXXX # XXXX, XXXX # XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX - I do not shop at.
So, I waited a considerable amount of time for this file to be sent to me because I was told that it was important to include everything that I could for this claim on the initial filing. After waiting a couple of weeks, I contacted the SunTrust Bank again and I was very upset to find out that the file had never been sent.
Basically, they did not investigate anything. The refused to allow me to appeal the case. Then, they lied to me over the phone and told me that they were sending me all the information that I had asked for. I persisted and again they assured me that they would send me the entire file. I told them that I was going to report them to a government organization. Again, the file on their investigation never materialized but rather they sent me a letter stating that they had reviewed the case again and they were standing with their decision.
It has taken me some time to contact the CFPB because I waited all this time for promised paperwork/documentation that would never arrive. Then, with the holidays and my own busy schedule, it has been hard to carve out the time to pursue this filing. I have already invested a dozen hours in this matter to no avail.
I paid the amount in a timely manner because I can not have my credit score ruined on top of this entire mess. SunTrust Bank has behaved very badly, unethically and unscrupulously. Please contact me if there is further information or documentation that I can offer. I have had an account with SunTrust Bank since XXXX.
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| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2018, I entered into a verbal contract with XXXX XXXX XXXX ( the " Defendant '' ) to pressure washing my home in the amount of {$190.00}, and to paint my deck the following day ( at a price to be determined ). I paid the Defendant via check # XXXX in the amount of {$190.00}. On XX/XX/XXXX, I noticed my check had been altered and cashed by the Defendant at his bank, Sun Trust Bank, in the amount of {$290.00}. Immediately I stopped payment on the check, reported the fraud to my bank, XXXX XXXX XXXX XXXX ( XXXX ) as well Sun Trust Bank and the XXXX Police Department. After XXXX investigation, {$290.00} was returned to my account.
On XX/XX/2018, I ( the Plaintiff ), instituted a civil complaint in Small Claims Court ( XXXX ) for money owed against the Defendant. On XX/XX/XXXX, we appeared before the magistrate. The magistrate ruled that since the money had been returned to my account, she was dismissing my complaint as I was seeking {$5000.00} in punitive damages. Unhappy with the magistrates decision since uttering a check is a felony per conversations with representatives from my bank and law enforcement officials, I filed an appeal on XX/XX/XXXX, again, seeking {$5000.00} in punitive damages.
On XX/XX/XXXX the Defendant, his attorney, and I appeared before an arbitrator. The Defendant 's attorney filed two ( 2 ) counterclaims against me. The arbitrator ruled against me on one of two counterclaims filed by the Defendant 's attorney. Per counterclaim # 1, the arbitrator ordered me to pay the Defendant {$190.00}. Per counterclaim # 2, the arbitrator dismissed the Defendant 's claim wherein he sought damages for defamation. On XX/XX/XXXX, I filed an Arbitration Request for XXXX XXXX XXXX to appeal the arbitrators decision.
Around XX/XX/XXXX, the Defendants counsel filed for summary judgment and was awarded such due to an oversight on my part to respond to the counterclaims. On XX/XX/XXXX, I eventually responded to the Defendants counterclaims in addition to the Courts summary judgment entered against me.
On XX/XX/XXXX, this case ( XXXX ) was heard before Judge XXXX XXXX in NC XXXX XXXX.
My altered check submitted as evidence clearly shows the Defendant endorsed it and received cash presumably in the amount of {$290.00}. Judge XXXX apparently believed counsels statement and the affidavit of Sun Trust Bank Manager XXXX XXXX over my statement despite my evidence, such as my bank statement as well as documentation from my XXXX.
Judge XXXX made me feel as though I was the villain and not the victim in my own case! He ordered me to repay the Defendant more than he was entitled to, if anything. Now I have to pay the Defendant {$290.00}, a check cancellation fee of {$12.00}, and interest of 8 % commencing from XX/XX/2018, with regard to counterclaim # 1. Counterclaim # 2 was dismissed by counsel after Judge XXXX stated now I have a problem with this counsel. The Defendant 's counterclaim # 2 was riddled with lies. I had a witness present in addition to signed statements from property owners to refute the Defendants claim of loss of business and income.
Judge XXXX ruling against me is completely absurd! How is it that the Defendant ( who cashed an altered check ) gets to be compensated for more than the contracted amount ( {$190.00} ). Why am I being punished when the Defendants counsel ( XXXX XXXX ) stated to the Court, that according to Sun Trust Branch Manager XXXX XXXX, it was the banks error in entering {$290.00} and that the Defendant only received {$190.00}?
Again, Defendants counsel stated in court that, according to Sun Trust Bank Manage XXXX XXXX, the bank made the error of entering the check for {$290.00} which hit my account. Defendant counsels claim that ( per his interpretation and conversation with XXXX XXXX ) the coding on the back of my check ( # XXXX ) was not honored by Sun Trust Bank for {$290.00}. This is an absolute fabrication. My check hit my bank and sent my account into a negative balance which was depicted on my bank statement. Even representatives at my bank ( XXXX ) are in total disbelief of MrXXXX XXXX 's affidavit and the Judge XXXX ruling. An XXXX representative stated, the Defendant is being awarded more than what the check was written for how is that possible?
I plan to file a lawsuit against Sun Trust Bank and XXXX XXXX since it was their error that is now causing a judgment against me for over {$300.00}.
In addition, I plan to appeal Judge XXXX ruling as it is unfair and awards the Defendant more than he is entitled to receive because he knowingly cashed an altered my check.
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| 05/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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My husband, passed away on XX/XX/XXXX. While going through his paperwork in his desk, I found that on XX/XX/XXXX he sent a wire transfer in the amount of {$29000.00} to Sun Trust Bank in XXXX GA, to purchase an automobile that was advertised in XXXX XXXX XXXX. The funds were to be held until the car could be driven to CA to be looked at by our mechanic. Just days later, The Fraud Dept.
Officer at the time, XXXX XXXX # XXXX called my husband and advised him that this was a wire fraud " Scam '' and the funds were going to be frozen so the subject could not remove them. Subject did attempt to remove the money, however Sun Trust Bank would not let him. Now, it seems that Sun Trust Bank would not release the funds back to my husband until a Police Report had been made. My husband filed a " Grand Theft '' Police Report in the city of XXXX XXXX CA, and the number was sent along to Sun Trust Bank. A letter was also sent along to Sun Trust Bank on XX/XX/XXXX apprising them of the conversation with Officer XXXX XXXX ( PH # XXXX. My husband also asked Sun Trust Bank at this time, as to whether a " Seizure Warrant '' would be necessary, he never received a reply. My husband, in XX/XX/XXXX, was suffering from XXXX. He had a XX/XX/XXXXXXXX and we were told that perhaps a lot or some of his XXXX might be restored. Sadly, this did not happen, and you can understand that when this paperwork surfaced in XX/XX/XXXX, I was in shock! I have sent two letters and made numerous phone calls to Sun Trust Bank asking for the release of our funds. All of these letters and phone calls have gone unaddressed. There has also been a letter of appeal to XXXX XXXX XXXX at the US Attorney Office in XXXX, GA on XX/XX/XXXX and I have heard nothing from that office to date. All letters were sent in accordance to the Bank and US Attorney Office and all were delivered. I did speak with XXXX XXXX 's office, The US Attorney of GA, and have once again compiled a letter to his office addressed to Mr. XXXX XXXX. This letter is being sent out on XX/XX/XXXX. The US Attorney 's Office did ask me to perhaps reach out to Sun Trust Bank one more time, and so I did. They suggested a Bank to Bank phone call to perhaps help with the proof of transfer and/or other issues. I did this as well on Friday, XX/XX/XXXX at my local branch of XXXX XXXX XXXX with my bank representative XXXX XXXX. The manager was also in attendance. Sun Trust Bank via supervisor XXXX, asked XXXX XXXX XXXX to issue a transfer of these funds from Sun Trust Bank to XXXX XXXX XXXX, and this would get the ball rolling. However, my bank manager said, this action would have to have been done one hour after Sun Trust Bank discovered the " Wire Fraud. '' Sun Trust Bank should have at that time, advised my husband to take the banking steps to return the funds to him, THEY DID NOT DO SO! This was their responsibility to do so! Who would know what to do in this case scenario? It is the banking institution 's ethical duty to advise us correctly. Sun Trust Bank was neglectful and did not advise us morally or ethically.
They have also now, suggested another route, however I have been advised by my bank manager not to expect much. Being left a widow and with bills that are unimaginable, you can see why these funds are important, besides being MY FUNDS. I now act as the Trustee/Settlor of our trust. Apparently, Sun Trust Bank was great at catching the " Wire Fraud '', they just have a problem returning the client 's money.
My husband served the XXXX XXXX Police Department honorably for twenty years and also served the US Military honorably for two years. My husband, as well as myself have complied with everything that Sun Trust Bank has thrown at us, and still receive only dead end directions and hang ups to my phone calls ( attention Supervisor XXXX ). Banking institutions should be held accountable for their actions just as anyone else. Pressure needs to be placed in the right direction so wives like myself living off of a Police Pension and Social Security do not have to fight to return what is rightfully ours!
Finding this issue after loosing a beloved husband is, as you can imagine, heart wrenching. Having to stop the mourning process and deal with banking institutions like, Sun Trust Bank, is OUTRAGIOUS and NEGLECTFUL on their part. I assume that they wish for me to tire and walk away, however that is not my nature, and with zero intention of passing away in the near future, I turn to you for help. " Better Business '' are the key words here ... I hope they are lived up to them.
Respectfully Yours, XXXX
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| 02/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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Back on XX/XX/XXXX I had submitted a complaint ( XXXX ) involving SunTrust Bank. I had a checking account that was instantly shut down because I deposited a check that had been issued a stop payment without my knowledge. I was accused of bank fraud and was told I could never open an account with SunTrust again. It took numerous phone calls, visits to local bank branches, just to get the minimal info as to why SunTrust took this action against me. I had never heard of XXXX XXXX XXXX at the time, and SunTrust didn't care enough to inform me that I was being reported to this company. I went to XXXX as soon as my acct was closed at SunTrust, for I had a mortgage with XXXX and they knew me as their customer. I opened a checking account, and I guess it was so soon that the info on me had not been reported to XXXX yet. But lo and behold, after 5 months of banking at XXXX and recovering from the setback in XXXX with SunTrust. I decided to open a savings acct, since every time I visited a XXXX branch, I repeatedly had it suggested to me by the XXXX employees. Well I went ahead and opened a savings acct, a new type that was for helping people overcome credit issues and rebuild a solid foundation. In the days following, the same nightmare with SunTrust reoccurred. But this time I was told that because I opened a new acct, my consumer report had been pulled and XXXX discovered that I was listed with XXXX XXXX XXXX for bank fraud. I had know idea what XXXX was, and told them that this was their advice that I followed by opening a savings, and also I had been a XXXX mortgage customer for 12 years with no issues whatsoever. They did the same thing SunTrust did, got really cold to me, really fast, and held my funds for 2 weeks and returned all online bills and checks I had written. The previous XX/XX/XXXX I had over {$600.00} in returned item fees and late charges due to SunTrust. It took me 5 months to recover financially and now it was repeated by XXXX. It cost me about {$600.00} again and being prohibited from paying online at some of my creditors. XXXX even returned the XXXX mortgage payment I made and charged me a returned item fee and a late charge on the payment. I still don't understand to this day, 3 years later, how a bank can destroy somebody's credit and have him/her barred from opening a bank acct for 7 years, because my tenant that was angry at me for not wanting to renew his lease for another year, and someone told him that knew if he gave me his rent check and stopped payment on it without telling me, that I would be accused of bank fraud, trust me he isn't sharp enough to know this on his own.. He even wrote on the check " for XX/XX/XXXX Rent ''. I thought there were laws against tenants knowingly giving a landlord a bad check. Some do this when they are gon na skip out at the first of the month. Write a bad rent check and then move the following night. It destroyed my rental business, and still makes life hard since I don't have a checking account at the age of XXXX, and have always had one since I was XXXX yrs old. For the consumer, there is no " early '' with XXXX, its more like Late warning service, when your drowning in a financial crisis, at the hands of other dishonest people and large corporations that would prosecute me if I did something that cost them a {$600.00} loss. So very unfair. XXXX want discuss it with me any longer, and SunTrust finally admitted that I had been a customer only 10 months, and my tenant had been with them over 20 years, so they had to take his side, even though as after it all happened, the way he set it up and carried it out, so revengeful and criminal, they basically were working with him to pull it off by stopping a payment on a check clearly marked as XX/XX/XXXX rent check and had 10 months of our monthly bank statements showing his rent check going from his account to mine. And to top it off, knowng that I would be buried in nsf fees and reporting me to XXXX and going the next 7 yrs without a bank account. I did nothing illegal, unethical or damaging to my tenant or SunTrust. They sure have put me through XXXX. XXXX XXXX with its big promotions and slogans of " insights '' for customers to have a good financial life. To me, well they look like " fools '', and if my years of being a customer in good standing isn't good enough for them, there is a special place in XXXX for cowards, sellouts, follow the leaders who want even stand behind a good customer. A joke of a company.. real idiots. That's all.
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| 07/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a checking and savings account with Suntrust on XXXX XXXX, XXXX XXXX Wednesday, XX/XX/XXXX, I made two mobile deposits to transfer money from my XXXX XXXX accounts to Suntrust. On Thursday, XX/XX/XXXX, I tried to log on and check on my direct deposit and got a message that the system was down. I called to see if they could check on it for me in the meantime and was told by customer service that my accounts were on hold. She said there was nothing I could do and that I had to wait 60 days for a decision to be mailed on me on what was going on with my accounts. I called the branch on XXXX XXXX XXXX in XXXX, TN and was told by the branch manager that I needed documentation that the checks cleared XXXX XXXX and that I needed to call the fraud department. He gave me the wrong number twice - an internal line that I was not allowed to call and the number to a golf course - and at no point did I get the correct number. When I called back the third time, he said there was a note on the accounts that said the accounts were being closed and that the checks were being sent back to XXXX XXXX XXXX and that my direct deposit and initial deposit were also being returned. On Tuesday, XX/XX/XXXX, I called XXXX XXXX, and they said the checks cleared and that Suntrust has my money and has n't tried to send the checks back. So I called Suntrust customer service and was told that my accounts were being closed and that I would get checks in the mail for the balances on my accounts. So I called XXXX XXXX back and closed the accounts I had with them. On Thursday, XX/XX/XXXX, I called Suntrust for a status update and was told to call back on Friday, because the accounts were due to be closed on Friday. On Friday, I called customer service and was told that I would n't be getting my money back because the checks that had already cleared XXXX XXXX were invalid. I went into the XXXX XXXX XXXX branch and was informed by a personal banker that a check had already been sent out from my savings account for {$1500.00} - which was the amount that was supposed to be in there. She said a check would be sent out from the checking account shortly for {$2100.00} - also the correct amount. On Thursday, XX/XX/XXXX, I called Suntrust for a status update and was told that my accounts were on hold and that Suntrust would be holding on to my money for a year. They told me the checks I deposited cleared but then XXXX XXXX asked for the checks to be returned. I went into the XXXX XXXX branch on XXXX XXXX XXXX and talked to a personal banker who called the back office. They informed me that XXXX XXXX has not tried to get the checks back - that the checks cleared on XX/XX/XXXX and Suntrust definitely has my money. The banker at XXXX XXXX then called the branch manager at Suntrust - the XXXX XXXX location. The manager offered no help, so the XXXX XXXX banker called Suntrust 's customer service and he told me that they told him to give me documentation and take it into the branch. He gave me documentation, and I take this to the XXXX XXXX XXXX location and the manager told me he could n't help me and then stared at me until I left. He did n't offer apologies or offer to do more, and at no point was I given the number to the fraud department by anyone or told why my accounts were closed. I get the number to the fraud department online and talk to someone who told me the accounts had n't been closed yet - that they were still on hold - and that I would hear back in 45 to 60 days. Since that was a story I had n't heard before, I called back Friday, XX/XX/XXXX, and was told that the accounts were closed on XX/XX/XXXXbecause the checks I deposited were not valid. She said that they would be holding on to my money for a year. I informed her that I had documentation that the checks were valid and cleared and asked if I could fax them in or get someone from the bank to fax them in, and she offered to put a note on the case asking the investigator to call me. No one tried to call me any point prior to this, so I have no confidence that this bank will do anything to help me get my money back. I also do n't trust them because I have been told several different things at this point. To date, the initial deposit has not been returned, nor has the direct deposit. I was told several times that there was nothing I could do. The last customer service rep was the only one to offer to do more than the bare minimum, and I have zero confidence that I will receive a phone call.
|
| 07/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Generally, Suntrust has failed to timely respond to my disputes of merchant charges on this account, and erred by losing or mishandling paperwork.
I submitted the following six disputes between XX/XX/XXXX and XXXX, XXXX ( a ) Case XXXX - XXXX XXXX - {$23.00} - filed on XX/XX/XXXX. ( *Merchant has refunded {$19.00} and remaining dispute is regarding {$4.00} shipping fee. ) ( b ) Case XXXX - XXXX ( suspected fraudulent merchant in XXXX, XXXX, who never had any intent of sending merchandise ) - {$100.00} - filed on XX/XX/XXXX.
( c ) Case XXXX - XXXX ( suspected fraudulent merchant who never had any intent of sending merchandise ) - {$99.00} - filed on XX/XX/XXXX.
( d ) Case XXXX - XXXX - {$9.00} - filed on XX/XX/XXXX.
( e ) Case XXXX - XXXX - {$33.00} - filed on XX/XX/XXXX.
( f ) Case XXXX - XXXX - {$18.00} - filed on XX/XX/XXXX.
( 2 ) As part of these disputes filed online, I attached several pieces of supporting documentation.
( 3 ) I waited several weeks and received no communication or notification from Suntrust regarding any of my claims. All this time, I believed Suntrust was working on my claims.
( 4 ) Suntrust claims to have sent emails to me requesting additional information on the date that each claim was respectively filed, but I did not receive them. I searched my email using keyterms and they are not there. I informed Suntrust on XX/XX/XXXX that their emails are not being received by customers and asked that this be looked into at a management level.
( 5 ) On XX/XX/XXXX, I called Suntrust and was informed they were waiting on me to complete six forms for the six cases. They emailed me the forms and agreed that I could bring them to a Suntrust branch to be faxed.
( 6 ) On XX/XX/XXXX, I traveled to the Suntrust branch in downtown XXXX and faxed all six forms. They provided me a confirmation number for all six pages being sent and received by Suntrust.
( 7 ) I still have received no communication or notification or provisional credit regarding any of these six disputes.
( 8 ) On today, XX/XX/XXXX, I called again to check on the six cases. I was advised that the forms were only received on five out of six of the cases and that if I did not submit the form AGAIN within a few days that the claim would expire! XXXX XXXX, supervisor, provided no solutions, despite me explaining to him that there have been two bank errors, including ( a ) the mishandling of my faxed materials and ( b ) the company 's failure to send notifications or requests for information. XXXX XXXX did not take any responsibility on behalf of Suntrust or even so much as apologize for any inconvenience caused or undue burden places on me as a customer.
( 9 ) Some of these merchants including the fraudulent merchant have been able to hold on to my money for literally months, and now Suntrust is saying it will take an additional sixty days to resolve the matters even though they are responsible for both delays.
( 10 ) On today, XX/XX/XXXX, I called back and spoke with XXXX who agreed I could email a photograph of the claim form. I emailed the form to her as an attached photograph and she accepted it for the case saying it would be satisfactory.
( 11 ) I asked for my claims to be escalated. She said she would forward the request but could not say either way.
( 12 ) I asked for the merchant " XXXX '' be investigated as a fraudulent merchant and to see if other customers have reported not receiving merchandise or responses from this purported merchant.
( 13 ) Suntrust makes it very difficult for customers to resolve merchant disputes, fails to communicate, seems to conspire to hold on to its customers ' money for as long as possible, has no sense of urgency, does not provide provisional credits, unnecessarily burdens the customer by requiring the same information online to file the claim and then in writing, does not seem to be concerned with its inability to send notification emails or properly process facsimile.
( 14 ) I filed a seventh merchant dispute with Suntrust recently and, just for the record, Suntrust is still not sending notification emails requesting documentation. I still did not receive one ; so the problem has not been fixed since I brought it up. Customers have to call in to check on their disputes to find out that Suntrust is waiting on documentation. Only then are they able to receive the form, when it is sent directly from the email account of a Suntrust employee.
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| 11/17/2018 |
Yes |
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- Trouble during payment process
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Web |
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SYNOPSIS OF COMPLAINT : We believe that Suntrust Mortgage violated Regulation Z, section 226.36 by failing to credit the payment we made on XX/XX/XXXX via their website. Section 226.36 ( c ) requires loan servicers to credit a payment to a consumer 's loan account as of the date it is received.
Our records indicate that Suntrust Bank received our payment on XX/XX/XXXX and is confirmed with the following confirmation message XXXX that we received via email on XX/XX/XXXX : " This is your confirmation notification that you have successfully submitted a Make a One-Time Payment request in the amount of {$1400.00} effective XX/XX/XXXX. Please ensure that you have funds available on that date in your account. You must contact Client Services to cancel or stop this draft. '' When we made a second payment through the portal on their website on the same day, Suntrust Bank subsequently canceled our payment unbeknownst to us and reported us to the credit bureau with a 30-day late receipt of payment.
We received a final denial letter from Suntrust citing a statement on their website about the acceptance of multiple payments being the reason for the denial. Suntrust is in violation of UDAAP as it relates to this statement. Under UDAAP, written disclosures may be insufficient to correct a misleading statement or representation. The confirmation of both payments is misleading. It represents that both payments have been accepted. Additionally, this statement is not in close enough proximity to the actual payment being made if it does not appear on the payment page itself.
We made this payment on Suntrust 's old portal : https : //suntrustmortgage.customercarenet.com.
The new site https : //www.suntrust.comXX/XX/payment-options outlines the three types of payment options available and the restrictions for each type of payment. The old site did not do that. The new site even adds a suggestion of how to avoid having payments canceled on their archaic system. The old site did not. Regardless, Suntrust 's practice of canceling payments made by consumers after sending confirmation to them that their payments have been made, is a deceptive practice that causes injury to consumers by way of increased interest rates due to unfair credit reporting.
OVERVIEW On XX/XX/XXXX, I navigated to the SunTrust Mortgage website and made a payment on their website for {$1400.00}. After I made the payment, I realized that there was still a late fee pending on the account, so I made a second payment in the amount of {$56.00}. I also received a confirmation for that payment. Having received confirmations for both payments, I believed - like any reasonable person - that my obligation for my XXXX loan payment had been satisfied.
On XX/XX/XXXX I went online to get an amortization schedule from the Suntrust website, and I saw a note that the payment for XXXX was still showing due. I called in and was told that SunTrust had canceled my payment for the mortgage and only accepted the late payment. The representative told me that their system was set up to only receive one payment per day, so the last payment made on the account for the late payment was the only payment accepted. I asked the representative why, and she stated that this was the way the system was set up. I immediately made the payment for XXXX and XXXX. The representative told me that our missed payment had already been reported to the credit bureau, which was particularly worrisome because we have contracted to purchase a new home in the XX/XX/2019. This 30-day late would adversely affect our credit and our ability to purchase our new home. I asked if I could file a dispute. I was put through to a representative who told me that this was a known problem, and that he could easily complete the dispute to have the credit report amended for us and " have this taken care of. '' I believed - like any reasonable person would - that my dispute had been accepted.
On XX/XX/XXXX, I received a letter that our request to have the 30-day late removed from our credit report had been denied. I called in and asked to speak with a supervisor. The supervisor stated that we had to put in another dispute request in writing, which we did promptly.
On XX/XX/XXXX, we received a letter stating that our dispute had been denied. At this time, the letter referenced the reason for our denial as a note on the website that states that the company only accepts one payment per day.
|
| 02/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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Suntrust Bank is charging overdraft fees when no actual overdraft occurred.
On the afternoon of XX/XX/XXXX I had {$58.00} in my Suntrust checking account and I charged {$11.00} at the grocery store. Suntrust charged me a {$36.00} overdraft fee on that transaction despite the fact that my account never dropped below XXXX.
Suntrust has justified the fee by claiming that a " Pending Transaction '' resulted in a hold to be placed on some of my funds before the grocery store processed the transaction. Suntrust acknowledges the funds held for pending transactions still belong to the customer and are still in the customers account. So pending transactions do not change the actual cash balance in the account and my actual cash balance was sufficient to cover all of my posted transactions.
Suntrust acknowledges that overdraft fees are assessed based on the order transactions are posted to an account. Since none of my pending transactions were posted to my account prior to posting the {$11.00} transaction there's no way the {$11.00} could have resulted in an overdraft fee. If the pending transaction had posted later that day then the pending transactions could have resulted in a negative balance and an overdraft fee but since {$11.00} transaction was posted when there were still sufficient funds in the account to cover that transaction the bank would not be entitled to overdraft fee on the {$11.00} transaction.
Suntrust acknowledge that a pending transaction may not post to an account for several days and/or may never actually post to the account at all. Suntrust also acknowledges that a customer may have additional deposits or credits posted to their account between the time they receive a pending transaction and the time that transaction is actually posted. In my case the pending transaction did not post to my account until the XX/XX/XXXX and I had additional deposits prior to the transaction posting so my account never had a negative balance and no transactions were ever posted without sufficient funds in the account to cover them. If the actual cash balance on my account was never negative then why am I being charged fees for " borrowing '' money?
Suntrust also acknowledges that a pending transaction amount may be substantially higher than the amount actually posted to a customers account ( a gas station might reflect an {$80.00} pending transaction even though the customer only bought {$10.00} worth of gas ).
I respect Suntrust 's right decline transactions based on pending transactions but I believe overdraft fees should be based on actual overdrafts rather than speculation. Suntrust believes they should be able to charge their customers overdraft fees even if an overdraft never actually occurs. Their contention that an arbitrary amount of money may or may not be debited from the account at some unknown point in the future is irrelevant as long as there are sufficient funds in an account to cover a transaction at the time that transaction is posted.
The CFPB has stated that " An overdraft occurs when a consumer doesnt have enough money in his or her checking account to cover a transaction, but the bank or credit union pays the transaction anyway '' and has referred to overdraft fees as interest on funds that are loaned to a consumer by the bank. In this case I had sufficient funds to cover the transaction at the time the transaction is posted so I don't believe the transactions meets the CFPB 's definition of an overdraft. And since I never actually borrowed any funds from the bank I believe I'm being charged interest on funds that were never actually borrowed. I hope the CFPB will treat this as a blatantly abusive and arguably fraudulent practice instituted by a financial institution for the sole purpose of increasing their fee revenue.
Prior to submitting this report I attempted to resolve this issue with Suntrust. I spoke a customer service rep by the name of XXXX and then a manager by the name of XXXX XXXX. Both representatives told me that they couldn't help me and XXXX XXXX said that it was my fault for opting out of overdraft protection and for relying on Suntrusts online banking rather than keeping a separate ledger that reflects transactions that might come out of the account in the future. When I asked to speak with someone else XXXX XXXX promised that someone would call me back on Monday ( XX/XX/XXXX ) but I never received that call.
|
| 12/08/2019 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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Web |
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I originally took out this student loan in XXXX as a Federal Student Loan to pay for college. The loan was made under SunTrust Bank. My parents agreed to make the payments on this loan after I graduated. At that time I was not financially responsible so I relied on my parents to make the payments on the loan. All of the statements were mailed to my parent 's mailing addresses, so I was unaware they had defaulted on the loan. My parents defaulted on the loan twice and added {$10000.00} to the principal balance of the loan in default interest and late fees. I was in my early twenties at the time I took out the Federal student loan and simply was not financial responsible. Now that I'm in my forties I am financially responsible. I hired a student loan attorney that advised me to pay off the loan as quickly as possible by making principal reduction payments. I'm now attempting to pay the student loan off as quick as possible by making monthly principal reduction payments on the loan. For several months I have made 2 payments every month, in the month that the payment was due, in an effort to make a payment every month toward the loan principal balance. In this way, I am trying to reduce the principal balance of my student loan. For example, one payment was the regular monthly payment, and the second payment I paid in that month was intended to go towards principal reduction. ( I want to make principal payments to pay the loan off quicker and reduce the amount of interest I pay on the student loan ). After several months of making two payments per month, I noticed that the principal balance of the loan was not being reduced. I contacted the loan servicer for SunTrust Bank in XX/XX/XXXX. The loan servicer is XXXX and the lender is " XXXX XXXX. '' I asked them why the additional monthly payments were not being applied towards the principal balance of the loan. The loan servicer XXXX told me that, under my student loan with SunTrust Bank, I am unable to make principal payments to reduce the debt. I then asked the representative at XXXX if it is possible to arrange a loan modification with SunTrust Bank that would allow me to make principal reduction payments. The representative told me that this is not possible and no loan modification would be possible on this loan. In other words, this loan with SunTrust is designed so that I can not pay my debt down faster by making an additional payments toward the principal every month. For all of the additional payments I've made over the past several months, the loan servicer sent me a notice to say, " no payment is due at this time. '' The basis of my complaint is that this student loan by SunTrust is unethical and is designed to force a borrower to keep this loan for the entire term so the lender can make triple the principal balance of the loan in interest payments. This type of student loan from SunTrust should be illegal. Why should SunTrust be allowed to provide student loans where students can not have the option of making principal reduction payments to reduce the amount of interest they are paying on these loans? I would like you to investigate this loan with SunTrust Bank because I know there are probably millions of other students out there with this same type of loan. Most of them probably can only make the min monthly payment on the loan, and are not able to make principal reduction payments, so they are likely unaware of this provision in the loan. In trying to make principal reduction payments myself over the past several months, I have personally discovered that this student loan from SunTrust has a provision that doesn't allow principal reduction payments. For this reason I'm filing this complaint because I feel this is unethical of SunTrust bank and I should be allowed to make principal reduction payments like I am able to do on my mortgage loan. If it's now illegal for a bank to make a qualified mortgage and not allow principal reduction payments, then why is SunTrust bank allowed to make a student loan that doesn't allow principal reduction payments? My loan with SunTrust Bank does not allow principal reduction payments and this is something that needs to be investigated by the CFPB because it's downright harmful to the consumer. I am glad to know there is a resource like this out there for me to seek some form of help. Thank you in advance for what you do to help consumers!
|
| 08/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
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I would like to dispute all credit cards and lines of credit on the auditing report ( CFPB report XXXX ). The Underwriting Formal disclosure is now notarized with the SEC, effective XX/XX/XXXX report number XXXX. I would like to dispute all activity with Suntrust since XX/XX/XXXX. I am seeking restitution for all items purchased and for all information that has been forged without my consent. I would like to report Suntrust for soliciting with XXXX, XXXX, and www.homesnap.com. Suntrust has also attempted to refinance my property in the amount of {$110000.00} along with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX property ID XXXX which is a violation of the Home Settlement Act ( XXXX XXXX penalty, total penalty {>= $1,000,000} ) Two of the three entities have been reported to XXXX on XX/XX/XXXX ( the eviction date of the tenants for my home property located on XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX property ID XXXX ). Please do not accept any scanned documents from XXXX XXXX, XXXX XXXX, any individuals with the City of XXXX ( specifically the deed that is registered with XXXX and XXXX XXXX dated XX/XX/XXXX with an interest rate of 3 % ). Documents have been forged in my name since XX/XX/XXXX with my Driver 's License that is not in my possession along with my outdated social security card. I am using my VA Identification card that was issued on XX/XX/XXXX for identification purposes along with my social security card that was ordered on XX/XX/XXXX by the Social Security Administration which matches the numerical part of the address of one of my entities. Please do not allow any additional fraudulent activity with outdated documents. XXXX XXXX has an additional liability of XXXX XXXX of XXXX XXXX and denial of business account access which is a total liability of XXXX XXXXXXXX which leaves the banking institution with a net asset of XXXX XXXX. XXXX XXXX could be overestimated their assets. There should be no more available funding with XXXX XXXX XXXX due to the banking institution being a failed institution for assisting consumers with mortgage-backed securities fraud. This deception has been reconciled on my auditing proposal with an amendment to the Better Care Reconciliation Act, Title X violations with XXXX XXXX and XXXX XXXX. Please reference the Underwriting Formal Disclosure. After XXXX XXXX XXXX 's base pay is {>= $1,000,000} ( net {>= $1,000,000} for mortgage fraud ). The Employees/Payroll Account Number XXXX will be the liable account for payroll of XXXX XXXX XXXX XXXX : employee payroll of {$460000.00}, abstract of title cost for my property XXXX XXXX XXXX, XXXX, VA XXXX in the amount of {$270000.00} ( the City of XXXX has been billed for this liability also due to financial deception ), insurance cost of {$20000.00} ( fee for my banking seminar in the amount of {$490.00} ) will leave a remaining liability of {$14000.00} which can be derived from replacing the building cost of {$290000.00}. However, XXXX XXXX XXXX will have to pay for the building with her salary which will leave her with an asset amount of {>= $1,000,000}. The remaining asset funding of XXXX XXXX 's XXXX is {$14000.00}. Upon cease of XXXX XXXX, she will receive a 70 % pay increase in the amount of {$370000.00}. The remainder of {$160000.00} will be given after 90 days of non-solicitation. Please correct the date for cash solicitation on CFPB XXXX. The effective date is XXXX as listed at the top of the document. Please increase the credit limit for the credit card that has been requested with XXXX Bank in the amount of {>= $1,000,000}. Please increase the credit limit for the credit card that has been requested with XXXX XXXX in the amount of {$270000.00} due to a collateral violation with XXXX and the City of XXXX. There was a {$20.00} adjustment to the investment portfolio of my entities to reconcile all accounts that have practiced deception with Suntrust. Total assets of my investment portfolio {>= $1,000,000} which are not to be reported by any individual or entity on XX/XX/XXXX tax returns. I would like to note the requested XXXX proceeds of {>= $1,000,000} minus XXXX XXXX XXXX 's payment of {>= $1,000,000} due by XX/XX/XXXX equals {>= $1,000,000} ( the amount of the class action suit issued by Apple with my credit information that has been revoked by the City of XXXX due to misappropriation of government funding and XXXX XXXX ).
|
| 02/27/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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My name is XXXX XXXX, owner of XXXX XXXX XXXX a small Business company located in XXXX, FL. In XXXX when I started my business I trusted my Business Account to Sun Trust Bank because SunTrust Branch XXXX at XXXX XXXX XXXX. XXXX, FL XXXX is located next to my office and I thought would be easy for me a Bank that was our neighbor due to my busy work schedule, when I opened the account by recommendation of the Bank officer I ordered checks with a security mark as well as a note was placed in the computer about it. On XX/XX/XXXX a Sun Trust Bank Officer from XXXX, Florida called my office to verified a check that somebody was trying to cash and she suspected was fraudulent, she noticed the check did not match the description of my company checks per the notes in the computer and also she noticed that my Business is in XXXX and I never pay vendors in other cities, I immediately looked the account online and found several forgery checks for the total amount of {$150000.00} payed to different people in different branches of Sun Trust, the checks did not resemble my security mark checks and my signature. I immediately called the XXXX Police and the Economic Crime Bureau opened the Case Number XXXX and also I went in person to Sun Trust Branch XXXX with printout of all the forgery checks payed by Sun Trust, in that copies is also the Driver License Number of the criminals, the Bank officer XXXX XXXX open the same day a Fraud Case on my presence and also called Sun Trust Fraud department to notified it, I signed an Affidavit about the Fraud and with the copy of the fake checks was send by FAX to Sun Trust Fraud Department for Investigation, a week later I went to the branch to see how was the Case because I did not received any call or letter from the Bank yet and the same officer XXXX XXXX called in my presence and after a long wait send the documents again by Fax to the Fraud Department and also called. OnXX/XX/XXXX a third company XXXX advanced me the stolen amount of $ XXXXwith the condition that I would return it to XXXX when Sun Trust returned me the money. In XX/XX/XXXX I got a call from a Sun Trust representative about the case and I explained everything again and that XXXX advanced me the money and I had to return this money, after that I went to the Bank Branch XXXX in numerous occasions to inquire about this case and different officers from Branch attended me among them the Manager XXXX XXXX who escalated this Case to Sun Trust more than twice, as result of this in XX/XX/XXXX a Bank representative name XXXX XXXX contacted me and I have to go all over the Case again I send her copy of the advanced money I got from XXXX, she never contacted me back and again I have to go several times to Sun Trust Bank Branch XXXX to request action and get a resolution in this case, In XX/XX/XXXX after the Manager of the Branch XXXX contacted the XXXX Florida Sun Trust Manager a lady named XXXX XXXX called me and contacted some higher Bank representative and XXXX XXXX from Sun Trust in Georgia contacted me by phone and I have to go all over the Case again and nothing happens, recently on XX/XX/XXXX of this year I went back to Branch XXXX and again the manager XXXX XXXX started to XXXXontact Sun Trust Corporation in Georgia about the Case, XXXX XXXX called me again on XX/XX/XXXX and until today no resolution of this Case is donr and the money of this Bank Fraud my company is victim is not returned by Sun Trust.
Since XX/XX/XXXX, date the Bank Fraud occurred I went to Sun Trust Bank Branch XXXX more than 30 times for this Case and apparently Sun Trust Bank did not investigate the Fraud despite they have the Forgery Checks, the Driver Licenses Number of the criminals and surveillance Cameras in their branches that they came provide to the Police, I even never received a letter from Sun Trust Bank with a Fraud Case Number and the money is not yet returned to XXXX XXXX XXXX XXXX XXXX and in consequence we could not return the money to XXXX .Attached to this complaint are copies of the Fraudulent Checks, Police Report copy and stream of email communication with Sun Trust and with XXXX
This is a case of Abuse of Power by the Bank and I demand Sun Trust Bank to reimburse my company XXXX XXXX XXXX, XXXX the stolen money in the sum of {$15000.00} immediately or pay the money directilly to the 3rd company who advanced us the money XXXX.
|
| 01/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
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On XX/XX/XXXX around XXXX XXXX., I went to Suntrust Bank ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) to close a checking account to avoid fees, since I was not able to keep enough amount in there. This was for my own financial reason. I informed the teller that I wanted to close my checking account, which is when she referred me to a banker named XXXX XXXX XXXX. XXXX approached me in an attempt to assist me. As I was telling her my reason for the visit to the bank, she kept advertising the Suntrust Credit Card and its benefits. I let her finish and politely declined her request in signing me up for a credit card with them. I briefly stated my personal reasons as to why I will not open up another credit card account at this time. XXXX and I headed to her desk.
As she was working on closing my checking account, she kept pushing me to apply for the credit card. I tried to focus on my goal of getting my checking account closed. In the middle of her still trying to push me into opening up the credit card, she mentions that the checking account is not able to be closed due to a pending transaction. I asked her for more details as to when I can close the account and if the transaction was already paid off, so I can at least get the money out and return to close the checking account tomorrow. At this point XXXX is still bringing up the credit card she wanted me to open with Suntrust. When she said that Suntrust had already paid the pending transaction the amount requested, I told her to " go ahead '' and get all the money out of my checking account now and I can come back tomorrow to close the checking account. Then she hands me a withdrawal slip to withdraw all the money out of the checking account. As I was filling that in, she started asking me questions that seemed like small-talks. She asked me what high school I went to and asked how come I was living away from that city now. By the time I was done filling the slip, she looked at me and told me " Congratulations! You have an account with a credit limit of $ XXXX ''.
Then I asked her what did she do. I told her that I am here to close an account with Suntrust, not to open one! Then she says " Oops, I already applied you for a Suntrust Credit Card. You said 'go ahead ' and thought you meant for the credit card ''. She did not ask me for my SSN nor have I signed any agreement to open up a Suntrust Credit Card. She simply assumed I would agree to her after she keeps talking about the credit card in every bit of our conversations. At this time I was very concerned of my credit score, because I was going to apply for a car loan -- where my credit report matters. The fact that a banker could access my personal information so easily without my authorization just to get a commission was bizarre and immoral! I know this application to Suntrust Credit card created a hard pull on my credit. At that time, I was focused on not making things worse, so I told XXXX to just stop with further action. She offered to close the credit card, but her and I both came to the conclusion that the hard pull would affect my credit score regardless, which I could not afford.
I decided that arguing with her was not worth my time, so I left after getting all the money out of my checking account. On my next day off from work, appalled by the experience, I went back to Suntrust and XXXX was the only one available to assist me. I told her that I came here to close both the checking account and the savings account with Suntrust, also to please get all my money out of the savings. I do not trust Suntrust anymore after seeing that the company would hire someone like XXXX who would take advantage of her power. I received the Suntrust credit card in the mail today (XX/XX/XXXX), but am not activating it. Currently, I have no bank accounts with Suntrust and not taking further action with the credit card due to wanting the credit card canceled and out of my ownership as well as getting this unauthorized hard pull off of my credit report.
I am filing this complaint so that other people may not experience the financial abuse from their banker, regardless of the commission bankers receive from signing people up for their credit cards. In addition, as stated before, I want this credit card canceled and I want the unauthorized hard pull off of my credit report.
|
| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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End of XX/XX/XXXX I received a letter stating that my bank for many years was closing my account as of XX/XX/XXXX. Which my daughters account is connected to and would close hers out also. I was upset because no reason was given and as I said we had been with Suntrust a long time.
XX/XX/XXXX my daughter goes the the ATM to put {$200.00} so she can pay a bill layer that night but when she tried to get online at home she couldnt see her account info, asked me couldnt I see mine so I checked and no I couldnt. So of course we are upset because this is how we pay our bills online.
XX/XX/XXXX Me and my daughter go to our local branch to see whats going on and I was going to with drawl my only income I have right now SSI for me and my son, we lost my husband XX/XX/XXXX and yes the one year Anniversary was only a few days away and we were all emotional already. The bank said there was nothing they could do its from the higher up people and out of there hands. I had one bank lady very upset at what was happening to us call XXXX as I was in her office pleading with them that they cant hold a government check for no amount of days that against the law but the lady on the phone said she cant do anything about it. The local bank workers knew me since I had been a customer for so long and there were very upset with me but there was nothing they could do my fines were locked they couldnt access them either. Finally a lady from XXXX called me apologizing saying she is investigating this because this should have never happened, my account should not have ever had restrictions on it or not allowed me to withdrawal my money on XX/XX/XXXX. I told her that all my bills are late and have late fee charges ect. My credit score is getting bad hits from my payments being late with is awful because Im trying to get my score back up so I can finalize the mortgage loan that me and my husband started building our home XX/XX/XXXXbut I lost him XX/XX/XXXX only three days after I had got laid off from my job at the hospital. So needless to say with Suntrust doing this to me and my kids has done nothing but caused us more stress and grief at time we were trying to heal from losing my husband. Trying to save our family home and then getting full custody of my husbands XXXX year old son who I have raised since he was a year and half. And trying to deal with Suntrust breaking the law on keeping my only income and my daughters only income which she has XXXX young girls age XXXX and XXXX that she is raising .. it took them 35 days to get my check and my daughters check of what was in our accounts to my local bank. Then I go down there to get them and they said we can cash these out for you I said ok then was told but since your not a customer no more you have to pay a fee for each check, I was in such shock and dispair I said thats fine I will take this up with the higher ups with all of the other issues they have caused me. So the lady in XXXX said Im sorry we can reimburse you the fees they charged to cash the checks I said what about all of the late fees from my bills ect she said send everything to me and I can go to the board to see about refunded these to you. I asked what about all the stress and anguish your bank has put on me, my daughter our kids, not knowing day by day how we was going to feed them with no money? We had to borrow money from family and friends to stay afloat on food so then once we get our money we pay back every one and then pay our bills with all the late fees and we were negative in our new bank accounts because of Suntrust not taking responsibility of doing the right thing once they seem what was going on. 35 days this was going on Im sure they could have contacted me to settle this that would have helped keep me afloat due to there mistakes they caused me. I need some help on getting Suntrust to pay what that rightfully should to me and my daughter and what they did to us for 35 days. My mortgage company sent me a letter stating they needing my payment by a certain date and time or they would not carry no loan. I was so scared and crises for days, I couldnt loss our family home me and my husband build on family land besides his patents so we could watch over them as they getting older and need help. The stress nearly killed me I stayed sick, couldnt eat or sleep.
|
| 05/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am the legal executor as appointed by the XXXX XXXX Probate Court, State of Texas, for my late mother 's estate. My mother passed due to XXXX XXXX on XX/XX/XXXX. She has a mortgage with SunTrust Bank. The State of Texas requires all wills to be probated by the Court. I moved as quickly as possible, through an attorney, to have the will probated. That process takes time. SunTrust continued to debit my mother 's XXXX XXXX XXXX account each month for her mortgage payment. After the will was probated and I received Letters of Testamentary from the court, I closed my mother 's XXXX XXXX XXXX account because I had too per XXXX XXXX XXXX.
The XX/XX/XXXX payment did not go through successfully, obviously. I contacted SunTrust Mortgage Client Services at XXXX and successfully made the payment for XXXX. When I contacted the same to make the next payment, SunTrust informed me they would not speak to me and definitely would not accept a payment.
As a result of my phone call to make the XXXX payment, I was contacted in writing by SunTrust requesting Letters of Testamentary and a certified copy of my mother 's death certificate. I sent those items via XXXX. However, SunTrust continued to refuse to speak to me or to accept a payment. As a result, the mortgage fell behind 60 days. A week later I got an second request for the same documents. Several days later I got a separate letter asking for a copy of the will.
After multiple unsuccessful attempts, last week I finally got someone on the phone with SunTrust 's " Special Loans Department '' and spoke to representative named XXXX. XXXX said that SunTrust was in receipt of those documents ; however, they now wanted a copy of my mother 's will. XXXX gave me repeated assurances that if I called Client Services I would be able to make a payment as the loan is now 90 days past due.
On XX/XX/XXXX at XXXX XXXX I contacted SunTrust Client Services and was again denied the ability to make the payment for XXXX. I was told that SunTrust can not take anything less than the delinquent amount. Per 12 CFR 1026 also known as RESPA, SunTrust IS allowed to take the payment is set it aside in a trust account until such time as full payment is received. In addition, under 12 CFR 1026, SunTrust was required to establish " live contact '' with me when the loan went 36 days past due. They failed to do so even though they have my contact information. Refusing to accept a payment equal to one the contractual payment for one month is " their policy '', but it's not the law. If this were a " loan workout '' they would accept any payments, same if the loan were put on non-accrual.
My mother was a woman of meager means. Social Security was her only source of income at the end of her life. There are NO liquid assets in her estate. I am moving forward with selling the house that has been in my family since XXXX, to satisfy the outstanding mortgage. However, SunTrust continues to refuse to let me make sufficient payments to keep the loan from going 120 days past due at which point, under 12 CFR 1026, they can began foreclosure proceedings. In addition, they continue to tack on fees and late charges. SunTrust continues to threaten foreclosure on the home despite the fact that I am trying to make monthly payment amounts to eventually get caught up. Currently I am trying to sustain my own debt obligations while sustaining my mother 's debt obligations until such time as the home can be sold. SunTrust is adamant about not working with me and foreclosing on the only asset in my late mother 's estate.
To date, I know for a fact they have violated at least two clauses of the Real Estate Settlement Protection Act.
Despite having sent the Letters of Testamentary and Death Certificate, SunTrust continues to send me letters asking for the same documentation that I have already provided in their attempt to keep stalling me out.
I can look past how rude and condescending their account reps have been, but I can not look past their blatant violation of 12 CFR 1026 in an attempt to rack up fees and late charges.
The saddest part, they are making an already grief stricken situation worse by threatening to foreclose while refusing to accept payments. And if they are doing it to me, they are doing it to thousands of other customers in my situation.
|
| 10/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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Regarding previous complaint # XXXX I do not agree with your decision. I have reached out to XXXX XXXX, my title company, hope for homeowners hotline. They all say there is no PMI listed on any of my final documents. My documents I have dont show PMI either. The 80/20 loan was to avoid PMI in the first place and was very pushed so my monthly payment wasnt even higher. I spoke with the manager at XXXX XXXX and he brought up all my documents and no where on them state PMI. He said PMI is done when you close your loan and would of been discussed. So why would it be sent to XXXX XXXX and how was it sent to XXXX XXXX is I didnt have it?! I also was told my 2 loans were in a waiting pool as the first one is modified and finished they would evaluate the second one for a modification and many loans are extinguished. Suntrust also said majority of the time once the first one is done they modify the second as they base it on your financial capability of making the monthly payments, that they wouldnt wan na modify my first then me have issues paying my second and be in the same situation I was. This is what your loss mitigation told me. Your company is the one who mention there even being a modification for the second mortgages. I also received two letters 1 for each loan from suntrust saying my credit report had been updated do to clerical error from your company. My credit report had then been updated and at that point there was no defaults. So another reason why was it sent to XXXX XXXX if I was never in default as you claim that was the reason it was sent. Also Both loans are completely gone off my credit report and have been. My other companies say payed in full transferred or closed since and the date. So why was both loans completely removed? XXXX XXXX contacted me saying that suntrust had not done my modification correctly and did not include all my escrow and I was short over XXXX dollars but you claim different? My modification also was never recorded and cant be found. I understand you say that not all second loans qualify for modifications but what if mine did your saying not all. I never even was given a fair chance as I never received a fair evaluation to even see if I qualified. Which with your loss mitigation said I had I really good chance. Youre company was the one who told me about the modification for second loans in the first place. I even took a trip to XXXX Oregon when suntrust came and went over everything about Hope for homeowners and options. Then received a letter from XXXX XXXX shortly after my loan was transferred to XXXX, demanding me to pay XXXX the amount of the second loan. Because there was many scams going on at that time, I reached out to Suntrust to let them know about the letter I received. They said my loan was written off and my loan was closed. At that point I figured it was written off because of the second mortgage modification process that suntrust had told me about. Once I called XXXX XXXX I informed them that it must be a mistake because my loan was written off. They then told me that my loan was sent to them because I had PMI. At that time I called suntrust back to see why it was sent to XXXX XXXX in the first place for one because they said it was in a waiting pool for modification, two I wasnt in default according to your clerical error and three I never had PMI nor was informed I did and never payed for it as most buyers do to protect the lender. Its not on any of my documents stating anything about PMI what so ever nor does any of the companies I reached out to see it on any of their documents. Once I called Suntrust the second time they said its been written off and they had no more information regarding my loan. I would like a better look at all this. As I have documentation you never ask for. XXXX from suntrust said everything on their side looked correct. Then once I said I have documents you sent updating my credit report at that time she said I dont have those can you get them to me. Then she said since it was now being evaluated at the head quarters I would have to talk to them. This is completely unfair to me. Your company has done similar situations to others. I have reached out to an attorney but am truth to give you a fair chance to evaluate this fairly and save me time and unnecessary money.
|
| 05/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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My daughter 's debit card was lost/stolen on XXXX XXXX XXXX . The very next day on XXXX XXXX , XXXX ... .there was a check in the amount of {$3100.00} deposited in her account by ATM and then a transaction in the amount of {$2900.00} took place at XXXX XXXX She contacted SunTrust on XXXX XXXX , XXXX to inform them that her card was lost/stolen and they identified that it appeared to be some fraudulent activity on her account being that the deposited check of {$3100.00} was returned on XXXX XXXX , XXXX and marked as forgery. They also informed her that her account would be frozen. At that time, we thought that SunTrust had started a dispute on the transactions in question being that the transactions took place after the date her card was lost/stolen. Ho wever, we discovered that the dispute was not started and I then proceeded to start a dispute on XXXX XXXX , XXXX . From that point on, I received conflicting information from calling the fraud customer service line and from a branch person at a SunTrust phy sical location. XXXX person told me that a provisional credit would go into the account while the investigation took place and the branch person told me that being it was a pin-entry transaction that a provisional credit would not take place and that we needed to wait until we were contacted by an investigator f or the final decision on the case. This exchange with the branch employee took place on XXXX XXXX , XXXX and a n investigator reached out to my daughter the very same day and left a voicemail. My daughter c alled the investigator back two tim es that day and left voice mails but she never received a return call. Then, on XXXX XXXX , XXXX ; someone left a voicemail on my phone asking us to call back again but I did not listen to this message promptly being we were dealing with graduation activities that day and the next day. On XXXX XXXX , I reached out to the SunTrust fraud customer service to discover that the dispute was denied being tha t the investigator cou ld not get in contact with my daughter. I told them of the chain of events about the investigator calli ng my daughter on XXXX XXXX and not returning her call when she called back. I then asked to have the case reopened. The customer service person indicated that they would reopen the case Then two hours later, I received an email saying that the case was denied. I called back to speak to a manager t o verify that the case was reopened and she told me that the case was denied and it had nothing to do with the fact the investigator coul d not reach my daughter. She said that the investigation was not in our favor and the claim was being denied. I asked her to offer me suggestions on what I needed to do in order to have this matter resolved and the only thing she told me is that I could dispute/rebuttal the decision only if I had additional information to offer to t he investigator an d that this process would take 45 days. I asked her what type of information was needed and she would not suggest how to remedy this problem or would she divulge what investigative steps were taken. I asked should I get a police report or contact XXXX about the transaction and she would not give me any assistance. Needless to say, I am very angry about the lack of compassion and help that I received from this person and other customer service people I spoke with from the beginning of this situation being that they all seem to be located in a foreign country and were very hard to understand and/or they were very automated with their responses given. As of today, our account is still overdrawn by {$2500.00} being that my daughter 's direct deposit from her job of {$410.00} was consumed by this fraudulent activity as well as my direct deposit of {$100.00}. I have been a customer with SunTrust sin ce XXXX and I am very disappointed to be treated this way and I need help on what to do about this fraud that occurred in my account. Also, I am a XXXX XXXX employee and this type of activity in my account could impact my job negatively. It would be greatly appreciated if you could help us get this matter resolved. I look forward to your response. Thank you.
|
| 12/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I am a XXXX practicing in Maryland for over 20 years. In XX/XX/XXXX my husband and I bought a property in XXXX. The address is XXXX XXXX XXXX XXXX. The property was sold for {$970.00} XXXX, with the down payment of {$200000.00} the original loan amount was {$720000.00}. We also have done the improvement for this property in the amount {$240000.00}. The investment in our part was {$400000.00} in hope that it would be a great property to sell someday.
In XX/XX/XXXX SunTrust refinanced the mortgage.
SunTrust solicited us for Equity Accelerator program and in XX/XX/XXXX we signed up for the biweekly payments starting in XX/XX/XXXX.
On XX/XX/XXXX, the XXXX light in one of my XXXX rooms separated from its overhead mounting pole, fell, and struck me in the head and eye. A Registered Professional Engineer concluded that this lamp was defectively designed by XXXX, XXXX and improperly installed by XXXX XXXX XXXX. Since this traumatic incident, I have experienced numerous XXXX XXXX and XXXX symptoms for which I have been receiving medical treatment. I was also diagnosed with XXXX XXXX and had a XXXX in XXXX of XX/XX/XXXX. I also had to undergo an XXXX XXXX in XXXX and an XXXX XXXX XXXX XXXX on my XXXX in XXXX. I had to go through several XXXX XXXX and XXXX XXXX. Unfortunately, I continue to suffer from these symptoms and those symptoms are now XXXX.
Throughout this ordeal I continued to work but only part time. I did hire an associate so I would not lose my practice.
I contacted the SunTrust mortgage to ask for the loan modification in XX/XX/XXXX because I realized that we were in danger of falling behind. I was told that we have to be in default to be considered for the modification and that we could not make partial payments. I and my husband took the money out of retirement plan and all the savings to continue paying the mortgage until the money ran out. I contacted the SunTrust on several occasions and was provided with the application for the loan modification. I filled out the application, was refused and then directed to file an appeal. I did file the appeal, was provided with THE SAME APPLICATION. Filled a new application out and filed it ; was refused and directed to the appeal with the same APPLICATION provided. This circle was repeated 5 times. We had to file for bankruptcy. Our financial situation got so bad because SunTrust refused to consider the modification that would obviously help the situation.
There was a mediation to try to prevent the foreclosure but the representative of SunTrust was not sympathetic and the house was sold to the SunTrust in XX/XX/XXXX.
Now my friends offer to buy this house so we can rent it from them and dont have to move. We contacted the XXXX agent who instead of responding to us serviced us with the eviction papers. Both the real estate agent that was hired by your bank and the XXXX XXXX XXXX keep ignoring any contacts that were made by us and our attorney.
Recently, I found out that SunTrust mortgage Violated Federal Mortgage Servicing Regulations that went into effect XX/XX/XXXX : 1. Telling homeowners that they must be in default to qualify for a modification SunTrust indicated that we MUST be in default to qualify for the modification 2. Requiring homeowners to resend information SunTrust repeatedly asked us to submit the application again and again with the same information.
3. NPV calculation were not included in any of denial letters or documents that we received.
I do understand that modifying the loan is not in the Sun Trust interest but the way Sun Trust handled our case caused us to lose our savings, our money that we put into this house, we had to file for bankruptcy because we could not pay anything else but thee mortgage but we are ending up losing the house. This cased even more stress and aggravation on my health, I have to consult with XXXX on this issue because my XXXX became unmanageable.
I am asking you to look at all of the documents and reevaluate the way this case was handled. I do not want to peruse the legal rout to resolve this issue but if we do not find the way to come to the mutual agreement, we will have no choice but proceed with resolving this issue in court.
|
| 07/22/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
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Web |
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Good Morning, As of today, XX/XX/XXXX, I was informed by SunTrust that my vehicle had been repossessed and that I would have to pay off the loan in order to get it before auction in 5 days. The amount they are asking for is {$4400.00}. My car was taken on XX/XX/XXXX, a Friday night, after I had dinner with my family and my son who was XXXX XXXX XXXX XXXX earlier that day, which had already caused stress in our family. I was told by the towing company that SunTrust has been taking vehicles at times where it was not valid, and that they were not longer able to see financials, only the orders.
Due to the timing I was unable to contact anyone in the Repossessions Department until today, Monday the XXXX, after XXXX XXXX.
Here are the pertinent facts as follows : - I became physically XXXX at the end of XXXX ( the XXXX ) due to a severe fracture of my ankle. I was physically XXXX XXXX XXXXk, or XXXX, for months. I contacted SunTrust immediately and was told I could get a forbearance which would extend the life of my loan. I agreed and your representative today told me it was valid.
- Because of my XXXX I was unable to XXXX or collect my mail and I cohabitate with my husband and have a landlord who lives below us. Often times mail does not come, or is mistakenly taken by the landlord, or is lost in the shuffle. This occurred with the agreement I needed to sign so we did it again and I paid the amount due on XX/XX/XXXX ( {$29.00} ) - I was cleared for desk work and began working again full time on XX/XX/XXXX. Once I received my first paycheck that was not rent, I paid my loan payment in the amount of {$360.00} per usual.
- On XX/XX/XXXX, my accounts with XXXX XXXX and XXXX XXXX XXXX were all compromised due to an elaborate fraud scheme. I was forced to deal with that, however XXXX XXXX and XXXX XXXX XXXX have sent written communication and continued to call me to get a work out.
- At no point did SunTrust call me.
- During the call on XX/XX/XXXX, I asked the CSR if that was all I needed to do at the time. She advised yes and that I wasn't due until next month. We ended the call on that note.
- I am still physically XXXX, as well as XXXX, and was attempting to get out of a hole of debt. Despite this I made my payment ahead of time and believed I was doing okay as the call was not recorded as being an attempt to collect a debt once I verified my information.
- After my car was taken, I was forced to wait and accrue fees beyond my control for the holding. I did call your customer service line around XXXX XXXX on Saturday, XX/XX/XXXX, and spoke with a CSR who was wildly misinformed. I requested a payoff quote over the phone for my own purposes. Then I was transferred to collections who I was told " could give me more information ''. This was untrue.
- This morning, XX/XX/XXXX, I called to find out what needed to happen. I was put on hold and spoke with someone who I believe was named XXXX around XXXX XXXX. She did research and said " the debt is valid. Your payment didn't even cover anything past due. You are 65 days late. You need to pay the car off because it was repossessed once before and if you do not within 5 days it will be sold at auction.
As someone who just had a child get XXXX XXXX XXXX XXXX, who just started a new job, who is still XXXX from a XXXX XXXX XXXX, and who did everything right to avoid something like this, I am appalled at how I was treated.
I wanted to give SunTrust a chance to right this wrong, however all they've done is treat me with curt disrespect, misleading information, and hostility. I believe their practices are predatory to say the least and I am now in a very XXXX XXXX XXXX ( I am diagnosed with a variety of XXXX XXXX and am under a doctors care ) but yet I must keep working and now find a way to get my car back before I lose it.
I am able to locate all discussions with SunTrust that I initiated. I know they record their calls because I have and do work in that industry. They also told me on XX/XX/XXXX they " did not '' have a complaint department, refused to escalate my call, and were rude and said they would " look forward to hearing from my lawyer ''.
|
| 04/19/2018 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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Hello, I have a story for you. On XX/XX/XXXX approximately XXXX XXXX to XXXX XXXX I drove up to the ATM machine at the Suntrust located at XXXX XXXX XXXX XXXX, XXXX, FL. I had approximately {$1300.00} in cash, XXXX {$100.00} bills. I proceeded to put my debit card into the ATM machine, go into my account and put cash deposit of {$1300.00} in. After putting the cash deposit in the ATM, the machine proceeded to make a sound as if it was counting the money. The screen then had a readout of {$1200.00} with the complete deposit button. This was in accurate so I pushed the return money button. The machine started to malfunction, the cash and check entry area door started to open and close with no money going into or out of it. At that time is spit out one, {$100.00} bill then the door opened and closed and XXXX more XXXX dollars came out in the form of {$100.00} bill. The ATM screen then seem to glitch and it said that it was temporarily unavailable. I did not receive a receipt my ATM card was rejected., leaving {$1000.00} unaccounted for. I proceeded to look into my mobile app on my XXXX to see if I had a pending transaction of {$1000.00}, there was no deposit of {$1000.00} and there was no pending transaction of {$1000.00}. I proceeded to call Suntrust after a 45 minute rigorous hold. I got a representative on the phone. I asked for them to look in the administrative side to see if there was a pending transaction or any transactions on my account during this time. They said the account showed zero activity and nothing pending. I told them I was outside the ATM, not moving and Im demanding my money back. They said in 10 to 15 days they will do an investigation and theyll tell me the outcome. I told them this was unacceptable and I just been robbed by a machine and I demand my money once again. I asked to speak to a manager. I spoke with SunTrust representative. They were of not help and sounded robotic as if they were reading from a script card. I proceeded to go up the chain to the fraud division. They said theyll do an investigation and to be at the branch first thing in the morning to talk with the branch manager. I told him this was unacceptable. So I contacted the XXXX Police Department reference the theft of {$1000.00}. Officer XXXX XXXX from the XXXX Police Department arrived on scene and I explained to him the situation. Officer XXXX, XXXX proceeded to take an intake and do a report reference case # XXXX. I notified the bank that I filed a police report and on XX/XX/XXXX. No response as if they didnt even care. I arrived at the Suntrust XXXX branch where the incident had occurred at XXXX XXXX., next day. I signed in as a non-appointment and spoke with a female that was in charge of handling walkins and appointments. I proceeded to explain to her the situation she said there was nothing that she can do. I explained to her that I talked with the corporate branch of SunTrust and they told me to come in so you can do ATM cash count to see if there was an overage in it ... XXXX so I can get my money returned. She told me that the ATM was not theirs ( Suntrust )??? and it was owned by XXXX the conversation was not constructive and went nowhere. I demanded my money but no response was given. I then contacted XXXX and explain to them the situation. They stated to me that they only deposit money and withdraw money and take it to the federal reserve and that the ATM is the responsibility of Suntrust!, and its theirs. Ive been filed a complaint with FDIC and Consumer Finance Protection Bureau and have informed my lawyer case # XXXX, I spoke with a representative on the phone from SunTrust that was rying to get me to self incriminate myself so the investigation can be dropped and I lose my money! SunTrust is treating me like I have robbed them!
As of this time, there was no word on the money or if Ill ever get it back.
XXXX XXXX Cell. : ( XXXX ) XXXX Email : XXXX This has been a major inconvenience and the money was being deposited for travel expenses and luggage to travel to DC reference ill family member thats probably going to pass. Suntrust has not been very helpful or reassuring.
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| 01/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I believe that SunTrust / Truist bank is fraudulently withholding insurance check payments from their mortgage customers.
My complaint is on the insurance claim reimbursement process. Process is complex, convoluted and seems designed to fraudulently avoid paying homeowners.
I am a mortgage customer of SunTrust ( now Truist ). We are renovating the house and had an insurance loss on the house during the renovation. We have been working with our insurance company to finalize the payment amount owed to us to bring the house back to the condition it was in before the insurance loss. The insurance company issued some initial checks, including one large check made out to me and SunTrust. Per guidance from Suntrust, I registered at a site called XXXX that manages the process for Suntrust.
Per instructions from that site, I endorsed the check and sent it to Suntrust. They received and processed the check on XX/XX/XXXX. In parallel, knowing that the insurance Co. had agreed to at least this initial amount, I signed a change order with our contractor for roughly half the amount of the insurance check and paid them out of pocket so they could get started, assuming that the process to get paid out by Suntrust should be seamless and relatively quick. I was mistaken. The process has been a nightmare - with changing goalposts, new documents needed during various parts of the process, ridiculous multistage ( and multi-day ) processes, and zero communication from Suntrust or this insurance claim processing site. The process seems designed to be fraudulent - for them to get paid and cash the insurance check as quickly as possible - while making the process to pay out to their customers as slow as possible. It has been over a month and I have yet to be paid back - and don't have a line of site to when I can expect to be.
Some specifics : Their site indicated a number of documents that were required to be reimbursed : the insurance adjusters worksheet, a copy of the contractors license and insurance, a waiver of lien from the contractor, etc. I uploaded all of these documents. The site indicates that it takes 3 business days to process documents. After I uploaded all the required documents, there was no communication back to me that there were any issues. It was only when I called the number on their website that they indicated there were specific changes needed to some of the documents - information that they could have asked for up front as part of their document request. Multiple times I uploaded revised versions of the documents requested. Each time it took multiple days to discover that they were still not quite right - and each time there was no communication from Suntrust of any issues - I would have to proactively call to find out there was an issue.
Moreover, as the process went on, they requested additional documents not indicated as required on their insurance processing website. Here I am over a month since I started this process, still out tens of thousands of dollars, without any indication of when I will get paid. Moreover, there seems to be no efficient escalation process. Each time I asked to escalate to a manager, I was told it would take 24 to 48 hours before a manager would be available. In general, it took at least that long or longer - and each escalation seemed designed to stretch out the timeframe for repayment.
The inefficiency and lack of communication seems specifically designed to benefit their bank. For example, they could start to request and process the documents before they receive the endorsed check. But their process doesn't allow that. They could clearly indicate the documents either required or potentially required, and share some of the specific nuances to be mindful of. But they don't do that. They could proactively communicate where there is an issue with a document ( how hard would it be to build in an automated email that goes out to a customer to say that a submitted document was not accepted and that a follow up is required? ). Again, they don't do that.
This feels designed to keep the cash on their books as long as possible.
|
| 08/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Recently my family and I discovered we were victims of online banking fraud. Someone fraudulently linked their XXXX account to our SunTrust savings account and withdrew $XXXX through 5 separate transactions over the course of 3 ½ months dating back to XX/XX/XXXX. While that amount may seem insignificant to some, we have a single source of income with XXXX young kids and depend on that money trusting it is safeguarded by our bank. Unfortunately, the way SunTrust has handled the situation and the lack of customer service and care they have shown has been very disappointing. In early XX/XX/XXXX I was transferring money from our savings to checking account and noticed the balance on our savings account appeared lower than it should have been. We do not regularly check the balance, nor do we review our savings account transactions because we don’t normally withdraw money from that account. Since I noticed a lower balance, I reviewed several months of activity and identified several suspect XXXX transactions. Our savings account has never been linked to a XXXX account, and I confirmed these transactions were not associated with my XXXX account.We immediately called the SunTrust fraud department to report this activity and they opened a case to investigate the issue. I was informed the process would take 10 business days and they would follow-up with a phone call or email. However, the only communication we received was a letter from SunTrust dated XX/XX/XXXX stating they would provide a credit of $XXXX because they have a policy that disputed transactions must be made within 60 days. On XX/XX/XXXX we called SunTrust to determine whether this was the final outcome of our case and they explained the $XXXX represented an initial credit but the investigation was still ongoing and would be completed XX/XX/XXXX. We followed up on XX/XX/XXXX and the individual we spoke to this time informed us the investigation had been closed on XX/XX/XXXX and the $XXXX represented the final reimbursement amount and no further action could be taken. On XX/XX/XXXX we called the SunTrust fraud department again and requested the phone number for the SunTrust president’s office. We were told that number can be provided to customers but someone from the office ultimately returned our call. On XX/XX/XXXX they returned our call with the same message that nothing that could be done due to their 60-day policy.SunTrust’s policies and their mismanagement of our case is extremely concerning. We also feel this should be brought to the attention of all SunTrust consumers. First, they determined the appropriate course of action was to credit us $XXXX even though that was the oldest of the 5 transactions. Second, the individual we spoke to from the SunTrust president’s office explained that even though we had not conducted any transactions on our savings account it was our responsibility to ensure there wasn’t any suspicious activity. This individual went on to say SunTrust doesn’t have the ability to identify suspicious activity unless a transaction involves a bank debit card. This lack of oversight and inability to identify threats to their customer’s finances is extremely alarming. It was my understanding that when banking with Suntrust (or any bank) that it was their responsibility to protect our money. I also believed our money was federally insured so if anything happened to it through no fault of my own it would be reimbursed regardless of the timetable. Even though I believe this is an issue with SunTrust and they should make every effort to resolve this, I did contact XXXX to see what could be done on their end. They were unwilling to help because the transactions were more than 180 days ago, and they were not associated with my XXXX account.I am extremely displeased with the way SunTrust has managed our case. At no point did SunTrust express any concern with the impact this has had on our family and reiterated it wasn’t their responsibility to do anything. We hope this letter generates some sort of response that will help us move forward and recover the money we lost.
|
| 11/13/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Older American |
|
I am filing an additional complaint since SunTrust failed to answer my concerns in my original complaint # XXXX. Their generalized statements and failure to adequately investigate make us and others believe they are trying to cover up for these employees. I additionally suggest that they speak to the companies lawyers about liability of the company when an employee harms a client. XXXX XXXX seems to feel since XXXX XXXX is no longer employed by SunTrust, I have no claim against SunTrust. She 's wrong.
In your response to my concerns in the handling of my loan and concerns over unethical behavior of XXXX XXXX an officer at the XXXX XXXX branch of SunTrust in XXXX XXXX you failed to answer my questions. I will try once more to handle these issues out of court but prepared to do what is necessary to get justice.
Again we believe our major issue is with your employee XXXX XXXX. We believe she lured us into using the builders of her home in order to make sure her home was completed without any major issues. She then failed to pass along vital information provided by the XXXX in the fall of XXXX that would have alerted us to the potential of serious problems with the builders.
1 ) We originally signed a contract with XXXX XXXX XXXX XXXX/XXXX/XXXX, but the documentation provided to XXXX XXXX review was for XXXX. We were then required to sign another contract with XXXX which caused a delay in finalizing our construction loan. But in XXXX XXXX when XXXX XXXX Review notified our Construction Loan Administrator that the insurance submitted was for XXXX, we were not required to sign another contract. Why?
If the XXXX XXXX Review is there to oversee the builder why did they accept a signed questionnaire from the XXXX without checking the information they provided? We now know that XXXX XXXX owned 100 % of the company not 50 % as stated and signed on the questionnaire. His mother signed as owning the other 50 %.
2 ) Can I assume from your response that its acceptable practice to release monies to a builder, who you knew had not been paying his subcontractors?
3 } If XXXX XXXX did nothing wrong why is she no longer working for you? XXXX XXXX was an officer at the XXXX XXXX branch for over 10 years. XXXX XXXX was still employed by SunTrust prior to me submitting a complaint with CFPB and sending letters to XXXX XXXX XXXX and the manager of the XXXX XXXX XXXX. However, XXXX XXXX was no longer employed per XXXX XXXX by mid XXXX. The timing of her leave seemed questionable so we did a little investigation and learned it was not her choice to leave.
In speaking to XXXX XXXX she continuously stated that she could not confirm or deny our allegations about XXXX XXXX because she no longer worked at SunTrust. When my husband informed her that he was a retied HR XXXX for XXXX and knew that it did not matter if she was currently employed or not because at the time we claim she withheld important information about the builder she was an employee. A promised returned phone after this exchange never happened.
I provided the names and phone numbers of the couple who met with XXXX XXXX in the fall of XXXX. The intent of the meeting was to inform XXXX XXXX that the XXXX had just left the construction of a home they were building for their elderly parents with numerous liens and incomplete work. The XXXX wanted to forewarn her so that it did not happen to her, the XXXX were currently working on XXXX XXXX new home. The Wagners were never contacted by anyone at SunTrust.
As my husband and I are pulling information we found text messages between my husband and XXXX XXXX where she stated that she had cut cashier checks and sent them out. Since to our knowledge none of our subcontractors were paid with the monies she was referring to are you willing to work with us in identifying which subcontractors were paid and how much or require a court order to release?
I am very suspicious that your company is trying to cover up for these employees and even more concerned that you may destroy or " misplace '' incriminating evidence. I hope I 'm wrong,
|
| 09/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Customer service at suntrust sucks!!! They are scammers and liars who have absolutely no business being responsible for other peoples money!!! I have several questions that Ive been trying to get answers to for YEARS and suntrust has blatantly and repeatedly ignored my questions. COMPLETELY UNACCEPTABLE!!! I ask the questions because I deserve to know whats going on with my mortgage account and I expect customer service!
1. Why did a supervisor NEVER call me back last XXXX when I was told one would in 72 hours?
2. Why is my statement ALWAYS wrong after I pay the escrow shortage?
3. Why was I told last summer that the problem had been fixed and I would receive a CORRECT statement after I paid the escrow shortage? Why was I lied to AGAIN??
4. What is going to be done in the future to prevent this from happening again?
5. Why is my escrow short every year?? This is not a problem I 've had with other mortgage companies.
6. Why was I blocked from posting on XXXX even though I did NOT use any profanity as suntrust claims?? I simply told the TRUTH about being LIED to.
7. Why does customer service at suntrust XXXX?? I should not have to file complaints with XXXX different agencies to get customer service and even then I still have not gotten the information I 've repeatedly requested.
The XXXX at suntrust are still trying to charge me a late fee for my payment in XXXX. Thats XXXX!!!! They sent me wrong statements for 2 MONTHS and when I tried to make a payment online ON THE DUE DATE, the website would NOT let me make an additional principal payment. I sent an email through the website asking why I couldnt make an additional principal payment ( as Ive done every month for 4 years ) and while the auto response said I would get a response within 2 business days, its been over 5 MONTHS and Ive NEVER gotten a response. COMPLETELY UNACCEPTABLE!!!! Since I could not make a payment online and no one would assist me, I mailed my payment. If they were not so disorganized and unscrupulous in sending me incorrect statements repeatedly, my payment would have been on time as it has always been in the past. I should not have to pay a late fee for a perpetual problem created by the incompetent employees at suntrust and I want it removed from my account IMMEDIATELY! Severable months ago I had a voicemail from someone named XXXX who failed to provide his last name but claimed to be calling from suntrust. His voicemail did not say what he was calling in regards to but I have no desire to call someone who is seemingly named after a XXXX organization without having more information. If this is really a suntrust employee what is his FULL name?? What is his direct contact information?? What was he calling in regards to??? Why did n't he just provide the information in the voicemail??? On XXXX XXXX, I had another voicemail from another unidentified suntrust employee. She failed to provide her name at all, but knew mine and she failed to state why she was calling. Her voicemail told me to call back. Who am I supposed to be calling??? In reference to what???? On XXXX XXXX, the SAME unnamed XXXX woman called AGAIN. I recognized her voice so I know it was her. The message again had no reason for calling, just telling me to call suntrust. I had ANOTHER call from them on XXXX XXXX, but no voicemail. This is bordering on HARASSMENT if they 're just going to keep calling without even leaving a PROPER voicemail. I do NOT want these people calling me if they are NOT going to provide their FULL NAME ( FIRST AND LAST ) and their DIRECT contact information. I do n't understand why this is such a difficult concept for them to grasp but it 's completely unprofessional!!! How do I finally get answers to my questions and customer service from suntrust and XXXX XXXX??? I 've been trying unsuccessfully for 4 years and it 's completely unacceptable. These XXXX have no business being responsible for other people 's money!!!!! And I do NOT want them handling my mortgage anymore!!! Its time for them to sell it to a REAL mortgage company!!!!
|
| 01/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
Suntrust bank Case no. XXXX.
suntrust bank, attn : XXXX fraud assistance center, XXXX XXXX XXXX, XXXX, fl XXXX-XXXX.
Suntrust bank owes me {$700.00} as a result of fraudulent purchases made on the account which they refuse to reimburse. As a result of these fraudulent purchases the account went into overdraft status and {$180.00} in overdraft fees were incurred which I am also requesting reimbursement. I am also requesting reasonable interest on the reimbursable amount.
I visited a local branch of suntrust bank XXXX crossing located at XXXX XXXX XXXX XXXX, XXXX XXXX ga XXXX on XX/XX/2018 to get a copy of my bank statement with account number ending in XXXX. A review of the statement revealed that fraudulent activities had occurred on the account. I immediately informed a bank associate who I believed to be a manager of the fraudulent activities and was told that I was responsible for the fraudulent activities and would not be reimbursed by suntrust bank. I then contacted the bank by telephone and notified the bank 's fraud department of the fraudulent activities and was told that an investigation would occur. I informed the bank that as account holders, neither my husband or myself had made the transactions and neither one of us had authorized anyone else to do so. My husband 's suntrust debit card had been replaced. At the same time, the bank told me to contact the agencies where the account fraudulent actitivies occurred. One company was XXXX XXXX and the other was XXXX XXXX. I contacted XXXX XXXX and XXXX XXXX and was told that resolution of the fraud activities must be resolved by the bank.
I contacted suntrust bank on XX/XX/2018 and was told that my claim for reimbursement was denied but was given no reason for the denial. At that time, I requested a copy of data used to make the decision that denied the claim so I may form a rebuttal. But I was given no reason on why the claim was denied. At that time I also responded that I could not complete the form unless I had official reason for the claim denial.
I contacted suntrust bank again on XX/XX/2018, XX/XX/2018 and XX/XX/2018 and the bank representatives said bank 's records showed no reasons for the denial. On one occasion, I waited 45, minutes to talk with a representative from suntrust bank after which time the employee disconnected the call.
Finally I spoke with a representative that told me my claim for reimbursement was denied because at one time in the past a service by one of the agencies was purchased using the account. I was not even informed of which agency. I informed sun trust bank again that neither myself or my husband had made any purchase for games nor had we authorized anyone else to do so. I again requested documentation of the the data used to the deny the claim informing the bank that I couldn't form an adequate rebuttal without written reason for claim denial. I still haven't receive that information. Though, suntrust bank forwarded several copy of its rebuttal form informing me to complete form and return to suntrust bank, attn : XXXX fraud assistance center, XXXX XXXX XXXX, XXXX, fl XXXX-XXXX. Unfortunately, the form Did not have a method to contact someone verbally. Case no. XXXX.
They were numerous purchases made on the account using my husband 's debit card that caused the account to be in an overdraft status with overdraft fees incurred. Previously I was not an account holder. I informed suntrust bank that my husband had conducted online banking but had recently been diagnosed as XXXX XXXX and was unable to conduct online banking during the time the fraudulent activities occurred.
With so much gaming purchase all of a sudden completed on the bank account, it is incredulous that suntrust didn't have a fraud alert system in place to notify, or at least warn my husband of these suspicious activities. On one months statement 36 transaction for games along with overdraft fees occurred. Another month 's statement had 39 transactions that occurred also incurring overdraft fees.
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| 07/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have a mortgage with Suntrust Mortgage. Suntrust has a 15-day grace period on payments. As a result of an oversight, I neglected to send a payment that was due on XXXX XXXX, 2016.
SunTrust has not sent statements on a regular basis. For example, I received a statement dated XXXX/XXXX/2016 with a Payment Due Date of XXXX/XXXX/2016 ; however, when I missed making that XXXX/XXXX/2016 payment, the next statement was not issued until XXXX/XXXX/2016 when the 15-day grace period was up and a Late Charge Assessment of {$70.00} had been applied. I still had not received the new statement when SunTrust called me on XXXX/XXXX/2016 and told me that my payment due on XXXX/XXXX/2016 had not been received and ton XXXX/XXXX/2016, a Late Charge Assessment had been applied. Over the telephone, I authorized an immediate withdrawal from my checking account to cover the overdue payment and the Late Charge Assessment. Had I received a statement dated XXXX/XXXX/2016, that would have shown that I had not sent the payment that was due on XXXX/XXXX/2016, and I would have had time to make the payment and avoid the Late Charge Assessment.
After I received the Late Charge Assessment on XXXX/XXXX/2016, I checked the dates of statements from SunTrust because I knew they were irregular, but did n't know why. After checking, I realized that SunTrust sent a new statement only when they received a payment. If SunTrust did not receive the payment by the Due Date, they would wait for the 15-day grace period to pass before sending a new statement. In this latter case, the result was that statements could be sent up to one and one-half months apart, which allowed SunTrust to apply a Late Charge Assessment before the customer learned that the payment had not been made.
I called SunTrust this morning ( XXXX/XXXX/2016 ) because I had not yet received a statement with a Payment Due Date of XXXX/XXXX/2016 and I need the coupon to send the payment ( I realize the check can be sent without the coupon, but SunTrust asks that the coupon be included with the payment ). The previous statement, with a Payment Due Date of XXXX/XXXX/2016, was dated XXXX/XXXX/2016. I was informed that the new statement ( with Payment Due Date XXXX/XXXX/2016 ) was issued on XXXX/XXXX/2016. I have not received this new statement today ( a Saturday ), so the earliest I can receive it will be Monday, XXXX/XXXX/2016. This probably leaves insufficient time for my check to be mailed and reach SunTrust before the Payment Due Date of XXXX/XXXX/2016.
When I called SunTrust this morning, I asked about the irregular timing of statements. The person I spoke with told me that customers had been having problems because new statements were not issued until the previous payment was received, so, as of now, SunTrust will send statements on a regular basis. I asked if the Consumer Financial Protection Bureau had allowed SunTrust to send statements on an irregular basis and was told that SunTrust does everything according to federal regulations.
It appears that SunTrust was purposefully sending statements irregularly, only after payment for the previous statement was received or, when payment was not received, they waited until the 15-day " courtesy period '' for late payments had passed and then sent the new invoice once the Late Charge Assessment had been incurred. If SunTrust had sent statements on a regular, monthly basis, people like me who simply overlooked making a payment would be alerted when they received a new statement and would have made the forgotten payment within the grace period, thereby avoiding the Late Charge Assessment.
Was SunTrust was acting within the CFPB regulations regarding the irregular timing of sending my statements and in the application of the Late Charge Assessment on XXXX/XXXX/2016? Also, has the CFPB changed the regulations regarding timing of statements to require mortgage companies to send statements regularly ( on the same date ) once a month?
Thank you for your assistance.
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| 03/12/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Contract of Insurance / Notice of Error - Please find this electronic copy with the hard copy via USPS delivery : XX/XX/XXXX CERTIFIED MAIL RETURN RECEPT SunTrust Bank Attention : Client Services Department XXXX XXXX XXXX XXXX, VA XXXX Re : Notice of Error / Contract of Insurance Please accept this Formal Notice ensuing from SunTrust Mortgage , Inc. decision to replace the Original Modification, and issue the Contract of Insurance recorded upon the XXXX XXXX County Public Registry more particularly referenced Exhibit, in Book XXXX, Page XXXX.
On or about XX/XX/XXXX upon returning home a XXXX overnight envelope was found at the doorstep of the home of XXXX XXXX XXXX and XXXX XXXX, ( XXXX XXXX ), XXXX XXXX XXXX, from SunTrust Mortgage , Inc. ( SunTrust ).
Within the envelope was an unsolicited Contract of Insurance as that term is defined by N.C.G.S 58-1-10 whereas, providing indemnity against loss from the replacement of the Original Modification.
N.C.G.S. 58-1-10. Contract of Insurance A contract of insurance is an agreement by which the insurer is bound to pay money or its equivalent or to do some act of value to the insured upon, and as an indemnity or reimbursement for the destruction, loss or injury of something in which the other party has an interest.
Here, SunTrust seemingly provided a Contract of Insurance with the intention to mitigate the fact it, oversold beneficiary interest ( s ) in real properties, commonly known as XXXX XXXX XXXX XXXX and XXXX XXXX XXXX to competing Holders.
SunTrust remains in possession of appraisals relating to the said properties in the sum of {>= $1,000,000} and XXXX respectively.
SunTrust created multiple Notes among third parties, against real property securing the original modification. SunTrust failed to disclose this to the owner-occupant ( s ), resulting in competing liens against the said real property and equitable holdings.
Exhibit B, SunTrust Contract of Insurance, as read ; In consideration of Lender Modifying the original terms of the loan and regardless of the reason for any loss, misplacement, omission, misstatement or inaccuracy in any Loan documentation, Borrower agrees as follows : If any document is lost, misplaced, omitted, misstated or inaccurately reflects the true and correct terms and conditions of the Modification, upon request of the Lender ( including and assignee of Lender, Borrower will comply with Lenders request to execute, acknowledge, initial and or deliver to Lender any documentation deemed necessary to replace and/or correct the lost, misplaced, omitted, misstated or inaccurate document ( s ).
It goes on to state : If the original Modification is replaced, Lender hereby indemnifies Borrower against any loss associated with a demand on the original Modification.
Previously, counsel to the XXXX XXXX Commissioner of Insurance wrote and advised that, as long as the arrangement is between a lender and its borrower and does not include an element of indemnification, then the arrangement is not a contract of insurance under N.C. Gen. Stat. 58-1-10.
SunTrust Mortgage. Inc., drafted, delivered, recorded and published upon the official record of the XXXX XXXX County Register of Deeds in Book XXXX Page XXXX the subject Contract of Insurance.
For these reasons in part, SunTrust has the express obligation to indemnify the owner ( s ) of XXXX XXXX XXXX collectively ( SunTrust Insureds ) given SunTrust default and failure to pay sums owned to its Funder under the Note.
Please accept this as notice to indemnify the owner ( s ) of XXXX XXXX XXXX from incurred loss ( s ) due to SunTrust default.
In addition to this Notice of Error for failure to Indemnify, please provide : 1 ) Copies of, Insurance License ( s ) in the name of SunTrust Mortgage , Inc. a Foreign Company for years XXXX through XXXX issued by the XXXX XXXX Department of Insurance, affording the right to solicit consumers and underwrite insurance indemnity contracts.
Sincerely, XXXX XXXX XXXX
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| 03/09/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with convenience check
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Web |
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My name is XXXX XXXX XXXX. My address is XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I wrote a convenience check to a " contractor '' on XX/XX/XXXX ( Sunday ) as a deposit for remodeling our master bath from my SunTrust Rewards Credit Card. Along with several instances in my wife and my eyes of unprofessional conduct, we learned he was not a licensed contractor and so at roughly XXXX on XX/XX/XXXX ( Monday ) I had an in-person conversation with the " contractor '' ( XXXX XXXX of XXXX, FL ) notifying him we would not be moving forward with him on the job. I immediately called SunTrust Bank at XXXX ( XXXX ) XXXX to place a stop payment on the {$3000.00} deposit check. This call took place at approx. XXXX on XX/XX/XXXX following the in-person cancellation of the agreement. The following points chronicle several conversations my wife and I had with SunTrust and other events regarding the stop payment.
- XX/XX/XXXX @ XXXX - On the initial call to stop the check we were informed the check would take several days to clear and that there should be no reason the stop payment wouldn't be successful. The rep notified us we would be charged a {$39.00} stop payment fee. At this time there was a XXXX balance on the credit card account.
- XX/XX/XXXX after close of business, the {$3000.00} check posted to our account along with a 3 % convenience check fee of {$90.00}. This did not show up on my online profile until after midnight into the morning of XX/XX/XXXX.
- XX/XX/XXXX @ XXXX - I called SunTrust again for an update on the stop payment being that it had posted to the account. The rep notified me that even though the charge posted to our account that she saw the stop payment was processing correctly and it should take 3-5 business days for the stop payment to clear and to give it until close of business on Friday ( XXXX ) to check again.
- XXXX @ approx XXXX - I called SunTrust again to get an update and was told by the rep that the stop payment was still, in fact in process and that it could take several days for the credit to show up on our account following completion of the stop payment.
- XXXX @ XXXX - Called again for an update and SunTrust reps started changing their story. The first rep I spoke with left me on hold for several minutes to research what was going on. Upon return she had no answer for me and said she would put a research ticket in that would take up to 12 business days. I complained to her about the situation and that I wanted an answer now as to whether the stop payment happened or if they screwed up the stop payment. She put me on with a supervisor. He basically did the same thing and put me on hold for a while only to come back and say the same thing that it needed to be researched and that he would expedite the research process and something to the effect that " it looks like it may not be good news for you '' or some derivative of that.
- XXXX @ XXXX - My wife wanted to speak with a rep so the two of us called later in the day. The rep told my wife and I what he saw in the notes which was that on XX/XX/XXXX the case was resolved as requested. This gave my wife and I some comfort again after the earlier conversation I had with the supervisor.
- XXXX @ XXXX - The representative told my wife and I basically that the stop payment was not processed and began giving us a normal corporate explanation as to how convenience checks are different than personal checks in the way stop payments work. This was the first any rep said anything to this effect. I complained that all we were told for over a week was that it was " being processed '' and to give it more time.
The pictures that I have attached show the following : letter of cancellation with the contractor mailed on XX/XX/XXXX, the amount the contractor was charging us to remodel our bathroom, which shows the deposit we gave him in the amount of {$3100.00}. We gave him a Suntrust convenience check of {$3000.00} and a personal check ( picture attached ) of {$110.00}.
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| 04/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Suntrust Mortgage violated the Periodic Statement Rule with my mortgage statement of X/XX/XXXX . There was a new " fee '' of {$190.00} added to this bill. The Rule requi res a detailed explanation of any fees but no explanation was on the bill for it. Called the number on the mortgage statement, required by law to take me to someone with answers about this unknown charge. Person answering said could not tell what the charge was for, other than it was " Home Preservation. '' They gave another phone number, which I called and selected to receive a callback. Three days later ( X/XX/XXXX ) I had not received a callback, so I called again. XXXX in Collections answered, said she was NOT Home Preservation, that I n eeded client services. I requested her to transfer me to a Supervisor a t Client Services. Inste ad, she connected me to Home Preservation. That representative ( I D # XXXX ) s aid he was not the correct person either, but after I had to provide all of my account details yet again, he offered to " check into it. '' He said the fee appeared to be for " Corporate Advance Fee '' a nd " BPO Evaluation. '' I explained I had not applied for a refi, restructuring, nor new loan since I was had been a severely mistreated victim of Suntrust 's H AMP debacle, for which they were fined billions, back in spring of XXXX . I was placed on hold for more than ten mi nutes. Finally the gentleman said that charges for a " Market Analysis, '' " BPO, ' ' and " Corporate Advance '' totaling {$190.00} had been added to my XXXX XXXX bill because they neglected to charge me for it at the time of my applicatio n THREE YE ARS AGO - spring of XXXX . At that time, when I was told m y Suntrust Mortga ge the exact amount to bring my account current, that amount was paid, in every month in the three years since, that bill has been paid on time. Therefore, I refused to accept this {$190.00} charge as I believe Suntrust i s up to their old tricks again and am not paying for something twice. If they failed to include it in my bill when we requested to know the exact amoun t Suntrust wanted back in XXXX after they turned down my HAMP application, that is o n Suntrust. I qualif ied for that Application on seven lev els. They kept denying it or sending it back to be resubmitted for items including wanting the date written out on my Financial Statements as " XXXX XXXX XXXX '' instead of XXXX , and other ridiculous, bogus reasons. After five m onths of jumping through hoops I was congratulated b y Suntrust for com pleting the application, which I was told was " something hardly anyone accomplishes. '' I was specificially instructed b y my Suntrust home preservation representative which of the seven qu alification categories to select for the application, even though they give you the option for many more than that. Later, when I hadnt heard back for several weeks after the application was accepted, I called and was told the qualification category I had selected for the application " could never had let me have the application granted because my home wasnt underwater. '' I KNOW that my home preservation representative knew that, and I believe Suntrust informed her to have me make that choice because it was the only one of the seven that might have disqualified my application. I asked to resubmit my app under one of the other six circumstances fo relief I qualified for. The gentlman said, " I 'm sorry, there is no money left in the program. '' Which is an utter lie because it is public online that Suntrust on ly gave out about {$250000.00} of the {$2.00} XXXX they were given by the government to assist applicants. Not only that, Suntrust had solicite d ME to apply for this program ; therefore, I should not have been charged any fees when they knew they were ripping off clients. They were convicted of criminal fraud and had to pay billions. But not to me. I couldnt afford the lawyer to sue them
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| 12/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Beginning in XX/XX/XXXX, XXXX XXXX transferred my mortgage, without my knowledge or consent ( which I understand is perfectly legal ), to SunTrust. SunTrust sent me documentation saying I had a 60-day " grace period '' to make my XX/XX/XXXX payment. I will not get too granular here, but because I was heading out of the country on a rather expensive vacation, I thought it might work out financially to pay my mortgage late. I twice called and was twice told that would be fine. ( SunTrust will tell you this didn't happen, but they are lying. They made no effort to find these two calls -- because I was not in their system as a customer yet -- and they are relying on the contents of one call from XX/XX/XXXX, I think, which is not germane to this discussion at all. ) To my surprise, I start getting VERY HARASSING phone calls at my office, rather than my cell phone. The people calling are treating me like a criminal, despite my almost perfect credit score. This might not be a problem for some, but I work at the global headquarters for XXXX, so they happen to be calling the busiest XXXX in the world. On one day, I received four calls. Now, once I figured out that I had been misinformed by SunTrust 's representatives, I immediately moved to rectify it. I paid them everything owed, even though it put me in quite a bind on my vacation. Still, they continued to call. On every single occasion, I have told them it is totally inappropriate to call my work number and have instructed them to call my cell phone. They have never once called my cell phone. They choose, deliberately, to continue to harass me at work. Make no mistake. This is malicious. I have filed complaints with their executive escalation department, or whatever they call it, and have been met with utter insolence. In fact, they " investigated '' my complaint and decided that none of their reps told me I could pay my mortgage late. This is untrue, and in their letter to me, they indicate they did not seek the phone calls I referenced in the original complaint. So, they're lazy, too. They don't care about customers. When I called to say they hasn't done their due diligence in their investigation, because they hadn't located the first two phone calls, they told me that they probably wouldn't change their mind -- without having listened to them! They also don't explain what they mean when they say " grace period. '' I would do anything to give my mortgage to another bank, any bank but them, but I can't without thousands of dollars in refinancing costs. I'm stuck, against my will, doing business with a company that does not deserve my money. Now, fast forward to this month : Because SunTrust put me in such a nasty bind on my vacation, I decided that I would pay my mortgage on the XXXX rather than XX/XX/XXXX. This is within THEIR OWN RULES. They give mortgage customers until the XXXX to make their payments, so since they put me in such a ridiculous financial bind last month, I decided to take advantage of this. My XXXX credit score ( as of today ) should be proof enough to anyone that I am no delinquent. But not SunTrust. They repeatedly harass me like a common criminal, despite that not only was I never once late with a XXXX payment, but I often made 13 or 14 payments a year rather than 12. So, today, I get another absolute harassment of a call at the work number I've told them not to call on at least a half dozen occasions. Not only does the rep harass me, but he begins the conversation by smarting off to me because he was not on the line when I answered and I had to introduce myself multiple times. When I explain his call is inappropriate and he shouldn't be calling XXXX 's main XXXX -- especially since I owe them nothing until the XXXX -- he refuses to apologize or get off the phone until I speak to him very strongly. Please end this. XXXX is the worst company I've ever dealt with. Please ask them to stop harassing me. Thank you for your time.
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| 07/17/2017 |
Yes |
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Web |
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I was pre-qualified on XX/XX/XXXX and with much excitement, began the search for my new home. I went Under Contract on XX/XX/XXXX with a Closing date of XX/XX/XXXX . I submitted all the documents requested from underwriting. The LO and Underwriter both left me with the understanding that everything was going well. The Agent and Transaction Coordinator both sent numerous emails for loan updates that for the most part were ignored!? On XX/XX/XXXX , my Realtor again reached out to XXXX XXXX /Suntrust to confirm delivery of the CD and a time for closing. The following day on XX/XX/XXXX eight days before my scheduled closing, I received a notifications with 5 new/additional and/or redundant conditions required to close my loan. This was the first indicator from anyone that any additional documentation was needed for a Clear to Close. On XX/XX/XXXX , my file was submitted to XXXX XXXX , a DPA program, for the first time. My Realtor had informed the LO early in the transaction that the paperwork needed to be sent in immediately. XXXX had been waiting on the file since XX/XX/XXXX when the Home Inspection was performed. The Realtor submitted an initial request for the Home Inspection and funding on XX/XX/XXXX . The LO was fully aware that the processing for the DPA with XXXX requires a 10 day minimum to process the loan. The LO also submitted my XXXX application incorrectly making me a single person household as they did not include my son as a dependent. This error created a deficiency in my loan amount from XXXX . This created another closing delay and pause for underwriting in providing my final approval.
Over the next couple of weeks, there was extremely poor communication with ambiguous answers. My Closing Team made several attempts to get clarity of the delay and were repeatedly giving the run around or nothing at all. On XX/XX/XXXX after the 2nd unexplained missed Closing, XXXX sent an email stating that she would be happy to transfer the file to another Lender. I went and spoke with another Lender and learned of all the repetitive costs and time delays this would cost and I was advised to force them to make a decision. At this point, Suntrust had not denied the loan nor indicate any reason to deny or detain this loan. In what appeared to be a last effort to dissuade me, they asked me to present them proof of filed Tax Extension for 2016. The LO and I had discussed what was needed and I followed her instructions and filed an extension at the end of XXXX . I want to be clear as to where I believe the problem was ; it was not in the request for proof but for the asking for it after 2 botched closing dates and asking for it after approximately 60 days into the transaction. I feel that due diligence was not done. They asked for a very specific document from the IRS and indicated that no other document would do. I inquired with LO if an alternative form of documentation could be provided. There was no response for 3 days. Once provide with the documentation my Closing was still delayed for another 2 weeks. On Friday XX/XX/XXXX my Realtor sent an email to Suntrust where she indicated that she was aware of their propensity to be choosy about the loans they approve. She mentions unfair lending practices. The LO immediately responds that she is forwarding her email to her Supervisors and they would be handling it. Needless to say, on Monday XX/XX/XXXX at XXXX we received an email with a Clear to Close! These must have been new Supervisors because based on numerous emails ; they had been involved all along??!!
I have now closed on my home and thanks to a strong team ; I was able to endure what I believe to have been unfair lending practices levied against me. I am knowledgeable of other persons buying experience and none parallel the discrimination and lack of professionalism shown to me. I am hoping the story of my experience helps another First Time Home Buyer!
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| 05/18/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XXXX / XXXX / XXXX , my wife ( XXXX ) and I went to the branch in XXXX , MD on XXXX XXXX to open a checking account in her name. We worked with a personal banker named XXXX XXXX to set up a personal checking account in the name of wife only. My wife provided the following information to her : 1. Social Security Number ( actual card ) 2 . Drivers license XXXX XXXX continued the process and after a few minutes, told my wife that she was not eligible for an account. She said that XXXX declined the request. XXXX XXXX asked do you have an account that is delinquent as that is the most frequent reason for being declined. We both said no, that is not the case. In fact, she has an account at another national bank in good standing and there has never been an issue. She then we to spoke to her manager and returned and gave us a document with SunTrust log titled XXXX Decline Notice. She told us that we had to contact them at the number on the document to find out why my wife was declined. I said to her, lets call them now. With her present, we called XXXX . After notifying us that the call was being recorded and asking XXXX permission to speak in from of me ( she told him that Im her husband and yes ), we spoke with the XXXX agent and he first requested two pieces of information from my wife : SSN and Driver License Number and state of issue. She provided that. The agent they entered the information into their system and told us ( with the SunTrust Personal Banker XXXX XXXX listening ) that, there is no negative information regarding the data provided. I then asked him to speak with XXXX XXXX and she really said nothing ( again, a recording exists ) and then the call ended in about 1 minute. She told us that she was unable to process my wifes request for an account because of XXXX . She said they could do nothing until their process was complete. I asked her what was the process and she said it would be follow-up with XXXX . The blatant lies that XXXX XXXX told include the following : Lie # 1 : She submitted my wifes information to XXXX . Not true and XXXX said they had no information on my wife. Lie # 2 : XXXX had declined us sighting that my wife had adverse/negative information about the identification she provided. Per the XXXX Decline Notice, XXXX did not make the decision to open the account and is unable to provide you with specific reasons why the account opening was declined. Again, XXXX XXXX lied as she told us that they did not decline but it was XXXX . Lie # 3 : The checks my wife wanted to deposit into the new account are expired. Flat out a lie. There is no such information on the check noting expiration. Next, we went to a branch of SunTrust in XXXX about XXXX miles away. We told the manager XXXX XXXX XXXX , Vice President Branch Manager ( XXXX & XXXX XXXX XXXX ), what happened. He apologized for the experience and said we will be able to help you. We provided the same information. He requested and she provided an additional piece of identification ( my wifes credit card ) and withi n 10 minutes, he opened the account and established online banking. Very importantly, the checks that my wife had, from SunTrust was de posited and they have in fact since cleared with no issue. In sum, this experience with SunTrust Branch in XXXX MD was clearly demeaning, disrespectful and a clear act of racism. XXXX XXXX treated us like we were criminals. Importantly, the checks in question were issued by SunTrust less than one y ear ago. Also, the checks according to the SunTrust Branch Manager , XXXX XXXX XXXX ( XXXX , MD ), who accepted them and deposited that same day said those checks would be honored for 5 years before they would need to be re-issued. Withi n 10 m inutes, he opened the account and established online banking. Thank you.
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| 07/06/2015 |
Yes |
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- Credit decision / Underwriting
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Web |
Older American |
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Complaint InformationIn XXXX of 2015 I was shopping for a 100 % VA refinance mortgage. XXXX XXXX of Sun Trust said that was possible. I gave him my credit card and it was charged {$460.00}. They sent a notary public to my home where I provided the required documents regarding my income. Several days later I received a " Truth in Lending Statement '' from Sun Trust. This document showed a loan amount of {$140000.00}. XXXX XXXX said I would receive {$20000.00} cash back at settlement based on an appraisal of {$140000.00}. Several weeks later I received a call from XXXX XXXX stating the appraisal came in at {$130000.00}. I asked my options and he said I could contest the evaluation by sending in additional comparable properties I felt the appraiser had missed. I sent new documents with other comparable properties with higher sales prices. While waiting for a decision on the new evaluation of the property I received a packet from Sun Trust XXXX lowering the loan to {$130000.00}. For over a week I made calls to XXXX XXXX, his superior XXXX XXXX, and XXXX XXXX. I was only able to leave voice mail messages. At the end of the week I did hear from XXXX XXXX that XXXX XXXX was in training. On Monday he did call back and said the data I sent was forwarded on and I would receive an answer. I made several calls to XXXX XXXX and always went to voicemail ; I left several messages expressing my concern about the " Truth in Lending '' packets I was receiving. I called XXXX XXXX and she returned my call explaining the packets are generated when changes occur and that they would let me know about the re-evaluation of the appraisal.
I then received another " Truth in Lending '' packet ; this one lowered the loan amount to {$120000.00} which is 90 % of the appraised value along with the funding fee added in.
A week after receiving the last packet I received a phone call from XXXX XXXX where I was told they would loan 90 % of appraised value, and after review of the higher valued comparable properties I sent them the evaluation of {$130000.00} stood. I told him that all along he told me they would loan me 100 % loan to appraised value ; he placed me on hold only to lose the call after being on hold for XXXX minutes. My return calls went to voice mail. Late in the afternoon XXXX XXXX called again and told me that the best they could do was 90 % loan to appraised value.
At first I was told this was based on my FICO score being XXXX not XXXX. I complained that Sun Trust knew my FICO score, after a while he admitted he was in error about the FICO Score. He then said that the underwriters would not loan more than 90 %. I asked why he did not know this when I first applied for the 100 % loan ; he told me that he is not privy to everything the underwriters are. He placed me on hold so he could talk to his supervisor. He returned to the line saying he was wrong and they could offer me my {$460.00} back and I could talk to his supervisor with my concerns. I asked to speak to his supervisor ; I was placed again on hold waiting to talk to his supervisor. He returned to say the supervisor was engaged and would call me back shortly. I have yet to receive a call back.
Our decision to apply for a mortgage with Sun Trust was based on their offering a 100 % loan of appraised value. Had I known that they were going to switch to a 90 % loan to appraised value, or they indeed did not offer a VA 100 % refinancing loan to appraised value I would have gone somewhere else. I feel that this has been a deceptive business practice and I was deceived into believing that I was getting a 100 % loan to appraised value only to find out after two month that was not the case.
I am currently pursuing an ROV, Reconsideration Of Value, with the Veterans Administration because some of the properties the appraiser considered were not the same model townhouse as mine and those that were are of lesser value
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| 05/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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When I first started this process my rent was XXXX, which it was becoming invariable to us at that moment, I was on time on my payments at that time. I had never missed a payment ; one day I received a letter from Suntrust Mortgage inviting us to apply for a home loan modification. Since we really need the help and before we could n't afford our rent any longer we applied for a loan modification in 2009 due to loss of income. I was put on a trail payment for {$1100.00}, that amount we were able to pay it, we were supposed to be on the trail payment for 3 months.
After 5 months still on the trail payment, I called Suntrust Mortgage since I did n't hear from them and I was worry. I was told by a representative that they were not able to locate my paperwork, they told me I needed to send everything all over again. I sent a new set of the paperwork the very same week, from then on I kept sending them paperwork and they kept losing it. Every time I called I would talk to a different person that would asked for the same paper work that I sent them the week before. The played that game for about 22 months, I kept calling every week and every time I was told they did n't have the documents ; every time I requested that I wanted to speak to a manager regarding the issue and every time representative REFUSED to transfer me to a supervisor/team lead.
Finally they sent me a final modification paper that only have the " now on your rent will be, {$1900.00} ''. They wanted us to sign the paper work ; however the paperwork did n't have on what was the interest of the loan the amount of the loan or how many years. I called them and informed them that I need it to see the break down, they REFUSED. Since I was on that trial payment for such a long time, and after I called all this time they told me I did n't qualified for the modification, therefore all the interest and the principal I did n't pay for 22 months they added to my balance and the gave a 40 years loan and I had the same interest 5.8 %. I went from a {$260000.00} loan to a {$320.00} loan. Our credit was ruined in the process, we had a credit score of XXXX, now our credit its XXXX since we were force to file for bankruptcy. We can not even apply with another bank.
Finally now the put me on a trial payment for 3 months, I just finished it and called them, immediately they sent me the final modification for me to sign with the breakdown. My loan went from XXXX to XXXX. The interest rate still the same XXXX and my payments are XXXX.
For the last 4 years. They are not including the money I paid them the time I was on the trail payment for 22 months. We have gone thru XXXX, calling them every week to follow up and whenever they needed updated documents we got it to them right away. IF we had known that this process will take these months and then they would just deny the modification, we would have just refinanced our home. I believe that SunTrust does n't care about their borrowers and want to mislead them just to collect interest because they make more money by collecting interest only rather than helping and lowering homeowner 's payment.
They lied to me and had me sending them documents for a modification over and over again because they said they kept losing them. Now, four years later, they tell me you have to pay all this money or you are going to lose your house. There have a deceptive business practices, fraud, misleading consumer, lying.
It took weeks of calling all the numbers possible to get anyone to return my call. I called XXXX levels of SunTrust associates. The original contact never returned calls. Her boss did not return calls. I had to go to the local SunTrust branch to get them to call and ask the mortgage department to call me. The SunTrust branch associates were also unable to get return calls for days.
.
Frustrated is an understatement of where I am right now. If I
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| 03/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Root cause of the this complaint - Suntrust refuses payments in full, they send back payments made in full and then they call full payments partial payments and then charge late fees on the very payment they send back. Moreover, their branch locations don't have a clue on how to process payments, their online system is cumbersome and awkward and their mortgage reps are too busy trying to read from a script and being all legalistic versus helping the consumer. No other financial institution or services/goods company deals with payments like this. I'm sure my story is not the only one.
My situation : XX/XX/XXXX payment was missed and over looked by myself and my wife due to the holiday season and didn't realize we forgot to pay in XXXX. I admit, my error. However, We submitted a payment on XX/XX/XXXX. We still haven't realized that the XXXX payment was missed until my wife called me about a notice we received stating if we did not catch up by XX/XX/XXXX, we could go into foreclosure status or something.
Ouch, ok so we decided to make two payments in XXXX to get caught up. We made a complete payment on XX/XX/XXXX and another complete payment on XX/XX/XXXX. Now from XX/XX/XXXX to XX/XX/XXXX is 90 days or 3 house payments. My XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments constituted 3 months of payments. Right?
WRONG! not according to Suntrust. Why? THEY SENT MY XXXX payment back to me, unbeknown to me. WHO DOES THAT?
Wait, it gets better. So not only did they send it back, now they tack on late fees to the XXXX payment. Now I get a phone call after XXXX at night from their collections department reading these long descriptive legal sayings like I'm being put in jail. Reading me might rights type of thing. So I asked why your calling me this late and my account is caught up. Oh " no sir '', we didn't accept your payment received in XXXX and we are currently holding your two payments in XXXX and you are now 3 months late on your mortgage and subject to foreclosure on XX/XX/XXXX if you don't " PAY IN FULL '' the balance due. This is when I found out they actually cut a check and sent my payment back to me from XXXX.
So, I'm out of town working and have to call my wife and she finds the check in a pile of JUNK mail that we received with promotional offers and such. Have to deposit the check the next day ONLY to make the payment again and be charged late fees so that THREE MONTHS payments can be credited all on the SAME DAY.
Secondary to this is, I go into a SUNTRUST location, that says SUNTRUST on it to make a payment and they don't give me credit coincidentally the day after they charge me a late fee. How convenient is that? Let me give the details. I go into a Suntrust Bank on XX/XX/XXXX and make a payment. They charge me a late fee on XX/XX/XXXX and post my payment from the XXXX on the XXXX. How nice.
Last thing before I complete this. On XX/XX/XXXX they send out a person to my house disguised as some kind of " property '' inspector to do a collection FIELD call to my house and leave a hand written note with no logo or anything stating for me to call my MORTGAGE provided ASAP. HMMM ... looks like a back-door collection attempt on an account that really isn't late but when you send people 's payments back and refuse to accept them and HOLD payments and don't process them ... I guess in some twisted way I am late.
What a pathetic financial institution. BTW I have had my original mortgage from XXXX with Suntrust and refinanced this mortgage to a 15 year mortgage in XXXX to cut seven years off my payback. They got the nerve to ask me if I want to " keep my house ''?
I get mad all over again every time I think about this situation. So now I'm ready for the corporate counsel at Suntrust to sit back and craft a precision worded response to my complaint on how this situation is perfectly normal and how me, the consumer, is an XXXX.
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| 05/17/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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On XXXX XXXX, XXXX, I visited my SunTrust Branch office at XXXX XXXX, VA. I needed to deposit a court ordered check in the amount of {$74000.00} into an IRA. I had received from my ex-husband 's Thrift Savings Plan, a copy of letter is enclosed. The branch was very busy. I was assisted by XXXX XXXX, who had a customer at her desk. I told her that I needed to deposit the TSP check into an IRA. XXXX XXXX proceeded to compile the paperwork for new IRA. There was an issue with the system. I was asked to come back later for the deposit slip and paperwork. XXXX did have me sign the blank IRA Form XXXX ( XXXX ) CLP ( XXXX ). I went back later that afternoon and picked up the forms. I asked why the amount of {$54000.00} was transferred into an IRA, especially strange as the cents from XXXX to XXXX. XXXX XXXX told me the additional funds would be rolled into another IRA, and asked why. I was not given a direct answer, but was told she was splitting it into XXXX IRAs. XXXX, I quickly read through the XXXX pages of paperwork and left. On XXXX XXXX, XXXX I had an appointment with my tax accountant XXXX XXXX XXXX. He looked through all my paperwork, he discovered that there was a statement providing documentation for an IRA for {$54000.00}. I explained that XXXX XXXX said she had split the {$74.00}, XXXX into XXXX IRAs. I called XXXX and asked if she would please email XXXX XXXX the documentation for the IRA. She said she would not email the information to him, but would email it to me. I also asked her to find a copy of the deposited check, which she could not locate. She said she would continue to look for check that was deposited. I did not receive a response email with the IRA deposit until XXXX XXXX, XXXX. As you can see by looking at the following documentation there is a serious discrepancy:1. SunTrust IRA Rollover/Conversion Contribution Form shows amount of {$54000.00} XXXX/XXXX/XXXX 2. SunTrust Time Deposit Receipt shows amount of {$54000.00} XXXX/XXXX/XXXX 3.SunTrust IRA Withdrawal shows amount of {$54000.00} XXXX/XXXX/XXXX XXXX Exchange/Rollover/Transfer form shows amount of {$54000.00} 5. SunTrust Check to XXXX in the amount of {$54000.00} XXXX/XXXX/XXXX ( 7 days after the initial deposit ) 6 SunTrust Printout Showing IRA Deposit in the amount of {$6500.00} XXXX/XXXX/XXXX ( XXXX days after the initial deposit ) Every document has a different deposit amount listed. I did not receive anything for IRS showing IRA deposit for the {$6500.00} rollover into an IRA. I asked XXXX XXXX for documentation for that deposit, once again there is no record or paper trail showing where the funds came from. As of XXXX XXXX, XXXX I have yet to receive a response from her or the Branch providing me sufficient documentation regarding where or to what accounts the entire amount of {$74000.00} that I deposited in the form of XXXX Check from the XXXX.
I went through every online account on XXXX XXXX, XXXX to review each and every deposit, transfer and withdrawl. I discovered another discrepancy to my SunTrust Signature Account XXXX. The statements show XXXX XXXX XXXX XXXX Transfers to XXXX Account XXXX as follows : 1. {$4000.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX 2. {$3.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX 3. {$4000.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX I can not locate or have any documentation of setting up a Savings Account XXXX. I would not transfer money out of that account as it was to be used for purchasing my new home and associated expenses. XXXX XXXX, XXXX, I called SunTrust Customer Service. I spoke to XXXX different representatives, being transferred each time until I finally spoke with a supervisor, XXXX XXXX, XXXX SunTrust who informed me that XXXX XXXX would be investigating my problems regarding the missing funds, errors in transfers - no response YET!
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| 11/20/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I write to yous again because I have a problem with my mortgage I have eight years with them and for some reason they wo n't come by my XXXX mortgages together I have XXXX mortgages paint XXXX different interest i 've been calling them and calling them do n't answer and the one time they did n't answer they did not help me he gave me the runaround they told me when I first got the house eight years ago I was going to be able to refinance both mortgages together in a year while it 's been eight years and nothing One year ago the only thing they did was refinance both of them just so I could lower my interest and that was just because I wrote to use and complain that 's when they started calling me and telling me that I can refinance and lower my interest and then they said to wait a year and I will be able to come by my XXXX mortgage together so I will just be able to have XXXX mortgage and to this day they wo n't help me out they wo n't combine them together i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally almost been XXXX i 've been with them for the past eight years and my interest was so skyhigh and both of the mortgages did I literally if you see it I have like really paid off the house with the payments that I have been making in the past eight years I was doing the math and it 's just literally made me cry because I can not believe I have made that much money in eight years and give it to them and I 'm not even close to owning this house I do n't understand why is it they can not combine both of the mortgages together when I 'm paying both mortgages through the same Company they say they ca n't combine it because my house is not worth what I owe and the reason I owe so much it 's because of them because they would not Combine my XXXX mortgages together not lower my interest till eight years later and I told them how is that possible when I 've been paying this house for eight years eight years never been late always on time and they still wo n't combined them together to me it is the da and they still wo n't combined them together to me it is the they just are making too much money on me there are times I just want to stop making my payments and lose the house because it seems like I 'm never gon na finish paying off this house with the way things are going with these people they took advantage of me because when I did go get the loan to finance the home I was not really aware of the conditions of financing a home and now with them not helping me out I feel like there is no wait out that I am going to end up Paying 10 times the amount of what I owe and 20 times what the house is worth i 've been trying to get them to help me cut the XXXX big trees I have in my backyard because they are damaging my backyard and my house and they say it 's my problem I ca n't sayvo up or anything I 'm just Working to make sure I pay the mortgages on time just so I wo n't lose my home and have bad credit but there is times that I feel like I want to do the bankruptcy just so I do n't have to keep on making the payments but I 'm hoping they buy me writing to you you 'll be able to find a way to help me out and for them to know that they are people like you out there to help people like me and that 's a that they are people like you out there to help people like me and stop taking advantage of people like me I know back then I really did n't know about financing and interest but now I do and I Know that I have paid more than half of what this house is worth and thisl that I have paid more than half of what this house is worth in these past eight years I know a few people that already have their home paid off in less time than me and that makes me embarrassed to know it and here I am still making my payments and yet does n't seem like it 's getting paid off all the money I 'm se
|
| 06/07/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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During a period of hardship where my husband was out of work for 11 months, we contacted our lender Suntrust to help with our current loan. At that time, their suggestion was since we were current on our loan, we would have to be behind 3 months before they could help us .... So we filled out the Loan Modification and per their suggestion, did not make payments for three months. The loan modification went through and then we promptly made 3 monthly payments at once to make up for the three unpaid months. ( see XXXX XXXX ). In this time period, our rate was only 1 %, so our minimum payment was only around XXXX per month. As you can see XX/XX/XXXX, we overpaid to try and get ahead, while our rate was reduced ( see XXXX XXXX ). Every month we paid on time and more than what was due, reducing our principle to only XXXX owed. At the end of the promotional period, we continued to make payments up until XX/XX/XXXX, when we applied for another rate reduction. At this time, we were told again, that we would need to NOT PAY for 3 months to be considered for the rate reduction. But the reduction went back to the normal rate of 3.5 % on XXXX/XXXX/XXXX and unbeknownst to us, the bank started accruing a deficiency for unpaid allowances, and never informed us of any delinquency or unpaid amount owed. We were not mailed any notices, no correspondence what so ever. So we continued to pay the amount shown on our online payment portal, {$320.00}, and paid each month until they served us with Pre-foreclosure notice in XX/XX/XXXX. ( see Jpg XXXX ) This notice, some 6 months after the first deficiency was our first notice of any past due amount. At this point, we were also contacted by letter, by the NC Foreclosure Prevention Fund. And in XX/XX/XXXX, we began working with them to prevent Foreclosure on our home. We have tried to refinance the Suntrust loan, but due to the fact that they told us NOT to pay for 3 months in XXXX, we do not have a 12 months on time payment history, so we can not refinance. We are stuck. Our Representative at the NC Housing Finance Agency has been working to assist us in resolving the deficiency, but on XXXX XXXX, we received a letter that our account has been turned over from Suntrust to Trustee, XXXX XXXX, for foreclosure. Our intent is to stay in our home and work toward an amicable solution. Our previous balance was XXXX, and now the balance owed is reported to be over XXXX ; the first time we were even aware that there was a deficiency on the account was when we were sent this Pre-foreclosure notice. It is ironic that Suntrust could not send us any correspondence regarding the deficiency, yet they were able to send us a notice of pre-foreclosure and now foreclosure. Had we been aware of the deficiency, through any correspondence, communication, or notification, we could have taken steps to remedy this before the amount owed had reached " foreclosure '' status. Our previous payment history of consistent monthly payments and additional pre-payments should have at least earned us the common courtesy of notification. We would like for someone to look into these spurious actions by Suntrust to " help '' consumers, but then sabotage customer accounts by not providing them any notice of delinquency, by heaping on unreported penalties and fees such that the amount owed is much greater than the original amount owed, ( and greater than the amount our first mortgage, which makes refinance harder ) and for the general practice of misfeasance. Misfeasance is the willful inappropriate action or intentional incorrect action or advice. By not informing us of the growing deficiency, we had no way to correct it. And when were finally made aware of the deficiency with the notice of pre-foreclosure, and we informed them of our intention to correct it, they continued to proceed with foreclosure, with no regard or remedy for our situation
|
| 08/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I bought my home in XXXX XXXX. I have a fifteen-year fixed rate mortgage ; 3.2 % financing. City taxes paid to SunTrust Mortgage per pg. XXXX line XXXX were {$600.00} ; taxes owed were {$680.00} resulting in a difference of {$86.00}. On pg. XXXX line XXXX & XXXX, XXXX XXXX ( seller ) and I split costs for the property taxes ; we each paid in {$360.00} to total {$720.00}. Lines XXXX & XXXX show we each paid in {$350.00} to total to {$700.00} for the county property taxes ; I do n't know why these amounts are different from what the bank received. I think I prepared my excel spread sheet based on what we both paid in. The XXXX city property taxes according to the records provided by XXXX XXXX were paid on XXXX/XXXX/XXXX. XX/XX/XXXX, the people at SunTrust Mortgage notified me that my City of XXXX property taxes had not been paid for XX/XX/XXXX, this was NOT true. This is the only adjustment to my escrow account, other than a fifteen-dollar refund check I received from XXXX, my home owner 's insurance has remained as calculated at closing. I simply paid my timely payments based on the amortization table provided to me at closing ; payment of {$660.00}. On XXXX XXXX, XXXX, I did start paying an increased amount of {$670.00} to adjust to the increase in my city property taxes ; my home owner 's insurance and county property taxes remained the same. However, the people at SunTrust Mortgage have taken a total of approximately {$770.00} out of four separate timely made payments, claiming a " repayment of an advancement they gave me for my XX/XX/XXXX city/county?? Property taxes ''. I never needed an advancement because both my city and county property taxes were accounted for and paid at my XXXX XXXX closing. Since they claimed this advancement they put all subsequent timely payments I made and put them in suspension claiming I was short paying my mortgage. I never paid late fees. To make matters worse, they 've repeatedly refused to provide me with a SunTrust Mortgage manager 's email so I could enjoin the manager with XXXX XXXX of XXXX XXXX. She has stated in writing via email my taxes were accounted and paid. I 've provided all documents to support my figures. I 've also provided letters from SunTrust Mortgage in which I only agree with their XXXX, XXXX, XXXX letter, page XXXX paragraph XXXX ) QUOTE " Neither of the escrow refund checks sent to you were cashed. '' Again, I simply made my timely payments based on the amortization schedule provided to me at closing. If you read the letters I 've provided to you from SunTrust, you will conclude they have deliberately made a " mess of my escrow account in an attempt to confuse me into paying extra monies to them. '' Once I get this mess straightened out and my credit restored I will apply to have my mortgage refinance with a reputable mortgage company. They started this nightmare just months into my making my timely payment by insisting I pay extra monies into my escrow account, increasing my payment from {$660.00} to {$690.00} and even {$730.00}. In their XXXX XXXX letter, pg XXXX para XXXX, they claim their vendor had to pay my XX/XX/XXXX COUNTY property taxes totaling {$680.00} ( they told me it was CITY ) so I owed monies for this. Per XXXX XXXX property tax records provided to me by XXXX XXXX, my XX/XX/XXXX XXXX taxes in the amount of {$580.00} were paid on XXXX/XXXX/XXXX. They go on and on with their GIBBERISH from attempting to collect more for my home owner 's insurance ( over {$400.00} ) to claiming they have to give me an " advancement '' to cover my city/county?? Property taxes, I believe, to confuse me. This is why I paid according to my amortization schedule provided me. I 'm not going to have my livelihood illegally attacked simply because SunTrust Mortgage hires incompetent employees!!! Not only do I pay my bills timely, I pay them off. I will upload this entire letter.
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| 08/19/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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I called Suntrust Mortgage Escalation Resolution Team on XXXX/XXXX/XXXX and was put on hold and then was told the team researching my case was n't available and they would call me back. They had not called me as of of XXXX/XXXX/XXXX, so I recalled them and was told no one would speak to me, my case was closed, sorry if I did not like the outcome by XXXX XXXX. This was per XXXX XXXX, Vice President of the Escalation Department. This is consistent in their lies and misleading conversations and promises to recall you.
I began contacting Suntrust Mortage in XXXX XXXX in reference to a {$400.00} principal reduction to my account. After many request for information, phone calls and being ignored, I sent a registered letter to them in which it stated : It has been brought to my attention that Suntrust Mortgage has been submitting to credit bureaus late and pre-forclosure information for XXXX, XXXX and XXXX in regard to this loan. While on a repayment plan, paying the required monthly loan payment as well as additional funds to go toward a loan payment plan which began on XXXX XXXX, XXXX and ended upon completion XXXX XXXX, XXXX. ( I made all payments on the repayment plan as required as well as XXXX XXXX payment ). Credit reports state that foreclosure proceedings began in XXXX.
We entered into a repayment plan to become current on this loan on XXXX XXXX, XXXX after employment loss and business loss. We completed the plan as agreed to and required, to become current on our loan.
I have enclosed a copy of my customer activity statement showing the payments made and documentation of Suntrust 's activity to pay themselves late fees instead of applying the loan payments made to my mortgage. In no way was this communicated to me, that my funds would not go to my loan. I have each and every letter and communication with Suntrust documented in regard to this.
After I completed the required payments and additional funds required each month for the repayment plan, Suntrust, on XXXX XXXX, XXXX payed themselves, unbeknownst to me, late charges. In XXXX they also payed themselves property inspection fees, and attorney advances.
I received a notice on XXXX XXXX, XXXX that I had defaulted on my loan and it listed XXXX to contact if I had questions in regard to the foreclosure, of which I did and was told there was no forclosure. Suntrust defaulted me by not applying my loan payment funds to my loan and not disclosing this to me. I was current on my loan. No where or no one stated any thing in regard to the late fees being paid during this repayment plan, no one ever discussed being foreclosed on for not paying late fees.
I was made aware of the credit reporting misinformation on XXXX XXXX XXXX when declined for a refinance at Suntrust, after initially being told we qualified for this refinance. I was approached by a " chat box '' during a log on of my account to do a refinance. Suntrust did XXXX hard inquires on my credit, corrected the pre- foreclosure information on the credit report, and then denied doing so, however I had the copy of the credit report before and after the conversation to prove their lying to me.
This erroneous information has caused a great deal of time being spent explaining each and every time the details. The attorney costs, title search, and market analysis fee from XXXX and in addition, it is now come to my attention, it is costing me a great deal of money, given the credit bureau reporting that I was in a forclosure, when I was current on my mortgage. How much have I been paying in excess for their wrongful reporting and lowering of my credit score??
At the very least, Suntrust should refund the fees they forced me to pay in XX/XX/XXXX, as they have acknowledged this by correcting the credit report, and then denying it. Not a principal reduction, but back to me as I was forced to pay it out of pocket.
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| 05/12/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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This letter appeals and request SunTrust to immediately reinstate my loan into the mortgage modification program. I have made two payments in the month as required and have encountered extreme difficulty with SunTrust in this process.
I have had good and open discussions with XXXX XXXX and she along with the home preservations team have been in contact with me on the mess of the payment process and how to fix this mortgage reinstatement nightmare to stay in my home.
Even in XXXX XXXX, SunTrust maliciously did not approve my modification based on false public records that I had to correct. I do not know what to do when I act in good faith and I 'm conscientious to return calls and save my home.
I have specific dates, call records, and contents of all calls and can demonstrate everything in this letter.
1. I attempted to pay the first trial payment to SunTrust on XX/XX/XXXX.The terms of the modification require that I pay the payment in the month for 3 months. I think that unfair and is a high standard, but I deal with it. I spoke with XXXX representatives of SunTrust for more than an hour on XXXX/XXXX/XXXX and could not make the payment online or with them by phone. I was told that my account was " blocked '' and that it denoted a foreclosure was in process even though I had a fully executed modification agreement with SunTrust. I went to a SunTrust branch but it was closed by the time I got there. I went to the SunTrust bank the very next day and made the payment with a bank official on XXXX XXXX XXXX XXXX on XXXX.
2. To my surprise and shock SunTrust sent the check back to me a week later and started foreclosure proceedings. I complained that I did everything I was supposed to do. I was directed to send the check to a XXXX XXXX. address in XXXX, XXXX. It took SunTrust another week to acknowledged the check. I have the postal receipt where I sent it XXXX XXXX mail. It takes XXXX day for mail to go from XXXX to XXXX.
3. When I called SunTrust about the items in " 1 '' and " 2 '', I was informed that I should set up the payment for XXXX, I did so via an ACH draft on account. When SunTrust had n't cashed the check or sent me notice that the foreclosure was removed and officially disregard the foreclosure letter, I withdrew 2 payments from my account to send via XXXX, XXXX or XXXX Express to SunTrust to make sure they had certified funds.
4. After doing so, I called SunTrust and asked that my single point of contact call me back on all of the payment issues and all of the confusion.
5. A week later, SunTrust cashed the check for XXXX and then attempted to ACH my account for the XXXX payment. I was out of town at a funeral and also later that day dealing with a burglary of my deceased fathers home in XXXX when the ACH did n't clear. I did n't know what to do.
6. I immediately called SunTrust and told them that XXXX XXXX had the funds in the account when SunTrust attempted to draft it but I 'm not sure why the ACH did n't clear the second time. I gave them another authorization to do an ACH and the funds were finally collected for XXXX a few days ago.
I spoke with XXXX XXXX yesterday who told me that I submitted XXXX NSF items to SunTrust, which is completely false. I only gave them a second ACH ( which was collected by SunTrust ) when all of the confusion above was going on. SunTrust submitted the first ACH to my bank twice when I was n't sure if they would cash the check ( which did clear more than a week after it was sent ). As of now, SunTrust has the two payments for XXXX and XXXX and I should not be removed from the program.
With all that is going on, I 'm asking SunTrust to remove the foreclosure ( for the third time improperly ) and fully reinstate my loan.
I 'm asking the CFPB to investigate this matter, consider sanctions for violations of the Fair Debt Collection Practices Act, and
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| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
Older American |
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In XXXX of XXXX I called SunTrust Mortgage about documentation I had received regarding an escrow account change due to a rise in property taxes and I needed to verify the impact to my monthly payment. I monitor the mortgage payment very carefully since I am on a fixed income, having retired in XXXX after a careful review of my financial obligations.
During that conversation, which was with XXXX XXXX, she explained the escrow change ; then said ( and I 'm surmising ), " ... hmm, what 's this? I 'm seeing a step modification back in XXXX that was supposed to start in XXXX. Your interest rate was supposed to go up in XXXX XXXX to 3.0 %, then XXXX XXXX to 3.5 %, then XXXX XXXX to 4.0 %. '' I could not believe what I was hearing and she sounded very surprised also ; obviously, since SunTrust had not acted on the modification and it was now 5 years later!
I stated very clearly that this was not what I had been told when I called to check the loan facts prior to my retirement. In XXXX of XXXX, I was told I was locked into a 2.5 % interest rate for the life of the loan. This info was related to me more than once and aligned with my monthly statements. I turned down refinance offers bragging that I had a super loan from SunTrust ~ locked in at 2.5 %!
I told XXXX XXXX that increasing the interest rate, and thus the mortgage payment was going to be an untenable situation for me and I had retired based on SunTrust assuring me I had a fixed rate ~ keeping my monthly payment around {$4000.00}.
Subsequently, I received my monthly payment statements for XXXX, XXXX and XXXX of XXXX showing the interest rate at 3 %, but the monthly payment was the same as XXXX 's w/the adjusted escrow amount. Then the XXXX XXXX statement arrived ; Interest rate 4.0 %, monthly payment {$4700.00}! Up almost {$800.00} a month!
On calling SunTrust I was given very mixed messages about how to address this ; write a letter, do n't write a letter ; " we 'll work on getting you some relief on that payment '' said by XXXX XXXX on XXXX XXXX, then no call back ; and XXXX XXXX referring to modifications in XXXX, XXXX, and XXXX. Most concerning ; knowing how upset I was, there were no call backs!
I wrote a very earnest and factual letter to SunTrust on XXXX XXXX, XXXX reiterating everything that had happened ; ending with a request to address the following : 1. Since I established with SunTrust that I had a fixed interest rate of 2.5 % keeping my payment within budget, why was I not informed in writing, with supporting documentation that interest changes were going to happen? Why did SunTrust not invoke the XXXX modification at the time specified? Five years have passed and SunTrust has not communicated about this in any regard, in fact - I was given WRONG information more than once - completely contrary to this modification!
2. Please send me all loan documentation for review and understanding of the principle figure on the XXXX modification. After 10 years I owe more than I originally borrowed and have not taken any money out of the property.
I received a letter back from SunTrust dated XXXX XXXX, XXXX. ( attached ). Areas of concern : 1. In the second paragraph they seem to imply that there are " items '' in ref to my mortgage that they are not required to provide??
2. The XXXX paragraph states that the interest rates stepped up each year. This is NOT TRUE. A review of my statements/payment history will prove the interest stayed at 2.5 % from XXXX XXXX to XXXX XXXX!
It seems evident that SunTrust did not get the XXXX modification into the system, prompting wrong information to be provided and from which, I made critical financial decisions. And, I can not go back to a time I could have gotten a better loan!
And SunTrust did not address the principle as requested.
Do I have any recourse? Are there laws/rules that can help me with this?
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| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage was sold to Suntrust Mortgage in XXXX. They sent me correspondences to my home notifying us of the change. We have never been late on a payment and actually pay ahead on our mortgage so it can be paid off early. Everything was fine until XXXX/XXXX/XXXX when I received a phone call from their collections department. They told me that I had not paid the complete amount of my house note. She showed my house note to be $ XXXX. I told her that was not correct that my house note was {$1000.00}. She disagreed with me. She then put me on hold. After returning she explained that Suntrust had put lender applied insurance on my home. I explained that I have continued coverage on my home since I purchased it in XXXX XXXX. I told her my policies and who they were through. She asked me to verify my mailing address. I told her it was the same as my home. She disagreed. She then got another department on the phone. They finally where able to get it corrected after multiple security questions. She then was connecting me to their insurance department. She disconnected me. I called back finally reaching the insurance department. I talked to XXXX. After putting me on hold for a few minutes found that I did have a policy and said everything was fine and it would take 2-3 business days to get a refund into my escrow account and 14 days to get my account straightened out. We were out of the country and returned on XXXX. When I returned they had sent me another statement that had the inflated $ XXXX payment again. I called them on XXXX to find out what was wrong again. After they dropped my call twice I finally reached their collections department again. They had not removed the lender applied insurance and had charged me a second premium. Note that my annual premium is less than {$2000.00} per year. They are now charging me {$1700.00} per month. At this point I called their customer service number to reach someone who could assist with my issues. They could have cared less. She sent me to the " tax '' department. The tax department attempted to send me back to customer service who disconnected me again. I called back again and asked for their insurance department. When XXXX XXXX answered I asked to talk to a supervisor. She said she would assist and if could n't help she would pass me on. She reviewed my policy and found that the city in the address on my declaration page for property address insured was XXXX instead of XXXX XXXX. I told her it was the same area but she would not accept. She said she needed a new declaration page. I called my insurance carrier who faxed them the corrected declaration page on XXXX. XXXX I called and talked to XXXX at Suntrust to make sure they had everything. He said they did and I would get a credit for the amount they had charged me. XXXX I get a letter from Suntrust stating they had credited my account back XXXX/XXXX/XXXX. However they were going to charge me {$4600.00} going back to XXXX/XXXX/XXXX to XXXX/XXXX/XXXX. I will start working on that today. My issue is they mailed me letters to my home when the purchased mortgage from XXXX XXXX. From that date until XXXX/XXXX/XXXX I have never heard a single word from Suntrust. Finally they called my cell phone for collections Why have n't they ever called me before now? I have talked to their insurance group at least XXXX times in the past month asking them multiple times what is needed to get this resolved. Then I get another letter for something that has never been brought up before. They never, during my 4-5 hours of conversations with various parts of their organization, ever mentioned the lender applied insurance going back to when they purchased my loan. I also talked to them about the extra money I paid to them last month for the incorrect mortgage payment. I was unable to get a definitive answer and face it again this month.
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| 02/04/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/XXXX I opened a Checking and Savings account within a Suntrust Branch in XXXX, NC. The night of XX/XX/XXXX, I used " XXXX '' to send myself {$75.00} ( To my then open XXXX XXXX account ) for gas and food for the week, since I didn't have a Suntrust debit card, yet. The money never came, my fiance needed some money so I tried to send her {$90.00} ( Immediately it worked ). Okay? weird, let me try to request the {$75.00} from my XXXX XXXX and pay it through Suntrust, I did all that and it " processed '' but yet the funds never arrived. XX/XX/XXXX, I walk into the branch to deposit my recent paycheck into my account so I could pay my bills. I speak to XXXX who set my account up, and proceeded to explain the situation of the " XXXX '' issue. She calls in to customer service and they couldn't figure anything out and advised XXXX and myself that we issue " Stop Payments '' on the 2 " XXXX '' payments. So we logged in to my account from her office computer and the CSR on the phone walked us through the steps of how to do this and we did and I proceeded on my way for the weekend. On the night of XX/XX/XXXX I proceeded to submit an ACH payment ( MY FIRST PAYMENT ) to my Car Finance company on my new vehicle, so I could continue my goal of improving my credit score and being an on time customer. Saturday, XX/XX/XXXX is when my life unfolded. I was attempting to check my credit reports and see what else I need to jump-start my score upwards more. Well, none of the credit companys would allow me to login, that's when I started suspecting something was wrong. I went to check my account to see what funds I had left and how to budget out until next bill payment. I tried to login to my Suntrust account and it was locked, knowing I didn't just forget my password in 48 hours, I went ahead and changed my password and tried again, still locked. Hmmm.. This is strange, I proceeded to call in to customer service and see what was up with the systems. That's when my life came to an abrupt halt, I was told that my account had been closed " Due to Terms and Conditions ''. I was blown away and immediately inquired about my {$750.00} ( Which is ALL the money I had to my name ) they told me there was no further info to provide and to go to the local branch and speak to them. So, Monday XX/XX/XXXX I go to the branch where I set my account up. I speak to the Branch Manager about this un-contacted sudden forced account closure, he offers to assist, and logs on to the system and shows me where it says closed " Due to Terms and Conditions '' and does not list anything for the Manager to advise me. So, he proceeded to contact Suntrust Customer Service on his end, and they too were unwilling to assist with any information. They tell me the account is closed but not fully closed, that's when I insisted that I receive ALL the funds that were in my account at the Branch right then and there. They denied being able to release my funds to me, after stating that the account was not " Fully closed ''. This is when I began freaking out because Suntrust is now holding over {$700.00} of my own money from me. I have called, emailed, ( NOT once has anyone from this institution reached out to me via Mail, Phone, E-mail ). My vehicle payment is now going on 2 weeks late ( MY FIRST PAYMENT AND THEY SEE THIS FROM A CUSTOMER! ) Suntrust is refusing to give me the money I have worked hard for, they have caused me to go broke, and have now costed me negative points on my credit score. I feel personally discrimated against by Suntrust. I want the full funds that were in my account, no fees should be charged to me for their ill-legitimate shutdown of my accounts, I want to be reimbursed for damages caused by the actions by Suntrust for the maximum allowed by federal law, also including the time I wasted inside one of their Branches with no results.
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| 03/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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XX/XX/XXXX : opened a checking and savings account with suntrust. Checks received and used were erroneously printed with my SAVINGS ACCOUNT information. This caused numerous overdrafts, returned checks and extreme mental stress as well as confusion. When I brought it up to the branch manager she apologized and credited all charges back. She reordered checks reflecting the correct information, however, for some reason it was several months before these checks arrived. This caused, again, more stress, inconvience and money. # XXXX due to a possible security breach on my checking account, I went to my branch in XX/XX/XXXX. I closed the XXXX checking account and savings account and reopened a new one. I did not open a new savings account, however, apparently the person helping me did open one. I was printed starter checks while waiting for the real ones. It took XXXX phone calls and 8 weeks before the checks arrived in the mail. In the meantime, I used the information on my starter checks to set up my automatic payments ( credit card, car insurance, electric etc ) well, imagine what happened. MY STARTER CHECKS HAD BEEN PRINTED WITH MY SAVINGS ACCOUNT INFORMATION! While trying to straighten out this repeated error I 1 : dealt with an extremely XXXX, young, know it all teller who spoke to me in an incredibly condescending tone. 2 : had my car insurance dropped and when I called to explain the issue and to restart my policy I was hit with 3 : a $ 20+ increase in my monthly rate due to the 9 days lapse in coverage, even though it was not my fault. I did not even have any access to the savings account to make deposits. 4 : suffered negative and costly consequences from my power company, cell phone provider and credit card company. 5 : I finally went to the bank on Friday XXXX XXXX to close my checking account and the savings account and found out the bank had been pulling funds from my savings to cover my checking. I never asked for this service. I had no access via deposit slips or through my ATM debit card to this savings account so therefore was unable to make deposits to the savings account I did not know I had. 6 : the mobile app would not work for me once I got the new checking account so I deleted it. Web banking was seemingly constantly undergoing updates and changes so it was very hard to access my account on line. 7 : THIS IS ABSOLUTELY INSANE! Today I recieved a letter from suntrust stating that my checking account had been closed and charged off with a negative balance. This letter, dated XXXX XXXX, actually is referring to the checking account I CLOSED IN XXXX! When the account was closed it was in good standing. I never recieved any calls or mail from the bank regarding this until today. So I am now lead to believe the account was in fact never fully closed and some sort of inner bank activity was happening with it against my stated wishes and knowledge. How is this legal or even possible?? When I was at the bank on Friday, as well as the phone call with the very rude young man, I was told by both of them that they could see the old account and the date it had been closed by me with the help of a " manager '' at the branch. Yet, I recieve a letter on XX/XX/XXXX that Suntrust closed the account and is now demanding {$100.00} in fees. This shows a very sneaky and dishonest business model and perhaps even theft, not to mention extremely poor customer service regarding not just XXXX but XXXX accounts, leaving me with having to clean up the mess with not just Suntrust but also the businesses I use that deduct money, in good faith, from my account. My credit rating may be negatively affected, as well as relationships with my creditors and service providers. I believed yesterday I was finished with this stressful and costly experience. Now I am at wits end and have lost all faith in the banking industry.
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| 10/20/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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My husband and I attempted to get a home loan with Suntrust. Here is a run down of the experience we have had them and our Loan Officer, XXXX XXXX, during our path towards ( what we thought would be ) closing on our first home : -Has all of our financial paperwork-knows our salaries. Pre-approves us for up to XXXX.
-We find a home for XXXX-well below our pre-approved amount. Has us sign a contract with a loan we did not qualify for because our incomes were too high.
-Mishandles our paperwork ( I have email receipts of every item of paperwork I sent to him ) -about half of this was not given to the underwriter.
-Miscalculates the debt ratio-tells me my student loan rate is the current number NOT the 1 % it actually is when calculating debt-to-income.
-Ignores my emails and calls for 11 days ( XXXX ) We were forced to reach out to another Loan Officer.
-Poorly communicates with the Underwriter-forcing her to have to reach out to me for the items I previously sent.
-Misreports the Seller Subsidy-leaving {$1000.00} off of our contract ( have email proof of him confirming the amount then recording differently ) -Promises us a XXXX/XXXX/16 close AFTER the underwriter told him we would not close until XXXX-never told us this but acted surprised when the closing was delayed.
-My agent paid to have a shed removed ( {$990.00} ) on the property due to the FHA guidelines. Both the underwriter and XXXX XXXX instructed us to do so. If a proper review had been done prior to this, he would have told us the property was NOT eligible for an FHA loan.
-Ignored FHA Guidelines for the Well on the property ( was sent XXXX addressed until last week-2 weeks AFTER the original closing date ). Only calling me XXXX/XXXX/2016 before a twice delayed XXXX closing to tell me because there are XXXX people on the well the loan could n't be financed.
-Offers to review financing options so we could possibly change to conventional ( we had to be out of our condo on XXXX since he told us we would n't have any issues ). Sends us back an option with a {$480.00} PMI. This is outrageously high-we discussed the loan with another Mortgage company and it was under {$330.00}.
-Promises to refund the amount I paid for appraisal on the call ( XXXX ).
-I email all parties on XXXX and called XXXX 4 times. XXXX has not responded to me to date. I have not received the reimbursement he promised.
-I get in contact with XXXX XXXX supervisor, XXXX XXXX XXXX who takes no responsibility and only offers to refund the Appraisal fee. I explain to him in great depth via email and on the call that the loan should have never even reached the inspection. An FHA loan on a home with a Well should be reviewed for eligibility immediately.
I have requested that the financial impacts of this process be refunded to me and my realtor. This includes : Appraisal ( {$520.00} ), Inspection ( {$340.00} ), and Shed Removal ( {$990.00} ). Each of these items would NOT have been paid for if the Loan Officer had done his job and reviewed the property for eligibility of the loan he moved us to.
I may be new to the home buying process, but I do know from my professional life that a customer should never be treated like this. If I were to do these types of things to my clients, I would have been fired-no questions asked.
What my husband and I have been put through by Suntrust has been unbelievable, and I would venture to say we were intentionally excluded from getting this home. I have had other agents, real estate attorneys, and Loan Officer react to our situation in disbelief. The way we have been treated was appalling and I hope this information will help another potential Suntrust customer avoid a situation like this. Find another bank. These people are either incredibly overworked or have no idea what they are doing-it will cost you your money.
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| 10/16/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have had repeated customer conflicts with a branch manager at Suntrust Bank, XXXX. in XXXX XXXX, GA XXXX. At my local Suntrust Bank branch, I have a multi-year checking and savings account. Recently I 've confirmed a suspicion that a XXXX XXXX XXXX, Branch Manager and Assistant Vice President, Suntrust Bank, has both intentionally and maliciously been committing " wire fraud '' like distortions on certain of my checking account deposits ( and, periodically, the delay of check drafts, which have also created overdraft incidents and fees ). Consequently, scheduled deposits from state government and corporate sources are fraudulently being returned or " delayed '' on the federal funds wire system by XXXX XXXX XXXX XXXX and/or subordinate Suntrust personnel as directly or indirectly encouraged by XXXX XXXX XXXX and checks I 've written in good faith on these delayed deposits are returned or penalized with an overdraft fee of {$36.00}. I believe the basis of these actions are primarily a product of gender ( or age and/or race ) bias by XXXX XXXX XXXX ; as well as a general disregard for my majority female and XXXX '' that XXXX XXXX XXXX so poorly serves. I believe I have grounds for prosecution of these regulatory violations and punitive damages against Suntrust XXXX for this breach of fiduciary responsibility on behalf of its ' agent, XXXX XXXX XXXX.
Documentation for the XXXX recent instances of deposits obstructed are attached:1. A refund of {$59.00} processed on XXXX XXXX, 2015 by XXXX XXXX XXXX XXXX was held out from deposit to my account, past the " 5 day processing term '' stated by XXXX XXXX, until deposit on XXXX XXXX, 2015 and posting to my checking account on XXXX XXXX, 2015. This deposit was deliberately delayed effectively for 43 days in order to cause overdrafts, overdraft fees, and my personal emotional frustration by XXXX XXXX XXXX.
2. A recurring payment of {$170.00} by the State of Georgia on XXXX XXXX, 2015 was returned, I suspect, by XXXX XXXX XXXX while I was sitting with him on the next day afternoon to discuss a returned check and fees, and the mystery of the said " deposit gone missing ''?! In retrospect, I believe an adjoined complaint with the State of Georgia and XXXX XXXX is in order in this instance. As while XXXX XXXX XXXX knowingly misdirected this deposit, quite likely in my presence during said meeting, he deliberately directed me to " seek redress against the State of Georgia '', ( and implicitly XXXX XXXX for the previous wire deposit delay dated XXXX XXXX, 2015, which had not deposited as of the date of said meeting on XXXX XXXX, 2015 XXXX. This misdirection/sabotage was intended to have escalated me into a " fraudulent legal redress '' against the State for seeming neglect-to-deposit court-ordered funds to the court-ordered recipient, me. To-date, this wire deposit has not been discovered by the sending agency, and Suntrust has not deposited these funds into my checking account. XXXX, personal financial damage and emotional distress to me continues.
I would also draw attention to the fact that XXXX XXXX XXXX uses electronic customer account notation to vilify targeted customers by " framing the account holder '' as the bad actor. This also serves to " cover his tracks '' as the Suntrust Bank-side violator embedded in these account transactional violations. My experience has been that this " toxic '' notation " poisons '' the professionalism and good judgement of other employees, making them also prone to blame the customer ( me ), for apparent problems referenced on the account. In fact, at my local Suntrust branch, I believe it is internal policy to routinely seek opportunities to penalize the customer in the course of doing business when possible.
My overall Suntrust customer service experience is markedly better in communities other than, or like, my own.
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| 07/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Suntrust mortgage ( SMI ) incorrectly adjusted mortgage based on 30-day LIBOR, not the documented US Treasury index. As a result, the mortgage was overpaid. I contacted SMI who initially denied such error, but after pressure admitted to the error. I was advised by SMI to temporarily stop payments on both subject loans so that the SMI research team could recalculate interest and balance the accounts. Calculated overbilling and overpayments as determined by SMI research dept, were in excess of {$1600.00}.
In the meantime, SMI loss mitigation division began to initiate foreclosure proceeding for non-payment. Daily phone calls, mortgage foreclosure packages and even site visits by inspectors to the property were conducted by SMI. I begged SMI to make my monthly payments to stop the harassing foreclosure calls, letters and site visits, even though I was overpaid by {$1600.00}. Finally they agreed to internally contact their loss mitigation team and figure a way to correct their internal reporting and customer communication issues. Simultaneously I had a SMI mortgage loan officer trying to sell me a no-doc mortgage refinance of both loans.
After over 4 months of near daily communication trying to resolve this issue, I was finally able to get in touch with the SMI Customer Delight Manager. This individual took ownership of the problem and began coordination of the following departments within SMI : Research, Loan Operations, Loss Mitigation and Office of the President. At the direction of the Customer Delight Manager SMI chose to cease all communication with all departments within SMI and to the customer Nearly five months after SMI was initially contacted, the loan was readjusted to the proper US Treasury index and the interest overpayment was rebated ( and then I chose to modify to fixed rate. ) XX/XX/XXXX regularly scheduled monthly mortgage payments were made via electronic bill pay service as is the normal delivery practice. SMI noticed me of formal default and pre-foreclosure proceedings in a letter dated XXXX XXXX, XXXX. There was no courtesy notice that the payments were received or not received. I immediately contacted the financial institution that sent the regularly scheduled monthly electronic payments and they noted there was an issue in sending the payment to SMI.
I immediately contacted SMI and explained the situation and made both the XXXX XXXX and XXXX XXXX payments in full XX/XX/XXXX. After talking with several levels of management at SMI XX/XX/XXXX, they advised me that there was an " NON-CUSTOMER AUTHORIZED flag on both of the subject accounts NOT TO CONTACT THE CUSTOMER for delinquency purposes. '' The SMI manager stated that this was an account flag placed by a SMI employee to stop foreclosure contact processes as a result of the prior problem noted above. I was informed by this manager that this " flag '' should have been removed upon the original resolution of the problem above.
The SMI manager stated it was a bank error, removed the bank imposed no contact flag, adjusted the accounts and rebated the late charges, as he stated that XXXX made an error and should have contacted me via phone and not sent out default/pre-foreclosure notices. I was thankful for his assistance in resolving the bank 's error. Now, many months later it has been brought to my attention that SMI reported that my co-borrower and I were 30-days late for the XXXX XXXX loan payments to the XXXX major credit bureaus.
SMI was contacted on numerous occasions and given the opportunity to resolve. They promised a letter opening the case and a resolution letter, none have been received. Numerous phone calls have either been disconnected or messages ( person, voice & mail ) have gone unanswered.
SMI takes no responsibility and refuses to even return phone calls. SMI must resolve this situation
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| 10/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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DisTrust in SunTrust - SunTrust put my son in the wrong account, allowed him illegal access to a debit card, failed to honor my written and verbal declination of overdraft protection, but somehow not only I am forced to take responsibility for SunTrust 's error, but my other son is being held responsible as SunTrust took money from his account.
Highlights : Despite 3 verbal requests and a signed form declining overdraft protection, SunTrust allowed overdrafts on my son 's card.
SunTrust put my son in an account with a debit card that Georgia Law apparently does not allow for minors. Then I 'm told that was a favor to me SunTrust allowed a brand new student account opened with {$100.00} to incur over {$2500.00} worth of charges and did not deactivate the card or put a hold on his account until I asked to weeks later. Yet two days after I opened this account my card got cut off and I spent 30 minute in the store verifying recent transactions because they was " excessive use '' that day. Wait. Is n't {$2500.00} excessive on a new account? Are the standards different for student accounts? How much money does SunTrust make off of fees students and parents have to pay because of allowed misuse.
SunTrust opted to rob me of the rest of my money rather than contacting me within their established and expressed time frame with an update. However, I gave no authorization to link accounts. Why would I, if there is no overdraft?
SunTrust has taken funds out of my other son 's account to cover the balance on this account to which he is not connected. Wait - What? Can they do that?
Background & Details XX/XX/XXXX I confidently walked out of SunTrust Bank with confidence that my money was safe. I told the bank manager : " My son just got a job and needs an account for his direct deposit. '' The account was opened with {$100.00}, my son was given a debit card and his direct deposit information. During the meeting I specifically said 3 times that there was to be NO OVER DRAFTS. One time I specifically said if there is n't enough money in the account, decline it. I wanted my son to hear me say this. The Manager had me sign a form rejecting overdraft protection. I did n't worry about my son 's possible actions because I made sure with the bank he could n't spend what he did n't have and that my money was safe as well. Oh, was I wrong to put faith in SunTrust.
Subsequently : My son ran up over {$2000.00} worth of charges.
XXXX tells me I have to wait 2 weeks for his boss to return the country. When asked, the Manager assured me that no one else in all of SunTrust could address this issue other than his boss in two weeks.
He told me to call customer service to file a complaint. I did.
On XX/XX/XXXX Manager calls with the following : The bank agreed to waive all fees.
The charges can not be reverse and if the funds were returned to me the bank would likely take legal action against my son and because he is minor, legal action against me as well.
That the laws in Georgia prohibit minors from having a debit card and that " HE DID ME A FAVOR '' by putting my son in the wrong account. However had he done his job right, my son would not have had a card to run up all of these charges and we would have no issue.
After advising him of my intent file various complaints we ended the call. He called back and said had spoken to his boss and brought him up to speed on the issue and he would address it and call me the next day to discuss resolution. He further asked me to give them the next day to address the issue BEFORE filing complaints.
I did not here from ANYONE the next day, but I did notice that evening that the bank exhausted the remaining funds out of my account and out of my son 's.
So I took that as my answer from SunTrust and thus I 'm filing this complaint to express my DisTrust in SunTrust.
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| 06/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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My Girlfriend and I signed up for XXXX checking accounts with Suntrust on XXXX XXXX, 2015. XXXX joint and XXXX individual. We were asked about overdraft protection. At first we said no, but the Representative insisted we get it stating that " we did not want our child stranded at the gas pump, unable to purchase gas to get home ''. We reluctantly signed up for it understanding it was a " service '' for a small fee. Recently, we utilized the service to avoid a late rent payment. Much to our surprise, we received XXXX overdraft charges, instead of the one we were expecting. In contacting the bank, we were told they organize the transactions by size, the largest first because it is likely to be the most important. After several minutes of protesting with the representative, we were called " irresponsible ''. After going through our records, they have been reordering our transactions since opening our accounts to maximize fees. After visiting a local branch we got the same song and dance about the reason they reorder our transactions. Our case has been escalated to the corporate level and we are prepared to sue. To date they have charged us over {$6600.00} in overdraft fees to date and put us in a cycle of debt that we can not overcome. In the past year, we have endured job loss, XXXX and now we find out Suntrust has been taking advantage of us the entire time. I 've done my research and the practice or reordering transactions is frowned upon by the FDIC and CFPB. Yet, several banks still utilize the practice. Had we known this was practiced, we would not have signed up for overdraft protection, or an account with Suntrust. We believe their business practices are predatory and the program was falsely represented by the representative of the XXXX XXXX Suntrust Branch in XXXX XXXX Florida. Below is a excerpt from of the email I sent to the local branch manager.
" XXXX, Thank you for all of your attention to our case. You, by far, have been the most pleasant to work with as we venture through a possible solution.
I realize you have emailed the person who is charged with looking into our case. I have been doing research of my own in the meantime.
At this time I am officially requesting the name and address for the Registered Agent for Suntrust Bank in the state of Florida.
According to FDIC Overdraft Program Supervisory Guidance, " Transactions should be processed in a neutral order that avoids manipulating or structuring processing order to maximize customer overdraft and related fees. Examples of a neutral order include order received, check number, serial number sequence, or other approaches when necessary based on sound business justification.
Re-ordering transactions to clear the highest item first is not considered neutral because this approach will tend to increase the number of overdraft fees. By contrast, processing batches of transactions in a random order or order received is a neutral approach ; however, institutions should not arrange the order of types of transactions ( i.e., batches ) cleared in order to increase the number of overdrafts and maximize fees. '' Both you and the customer service agents we have talked to state, " We process the largest first as it is most likely the most important transaction, i.e. mortgage payment ''. Your statements are in direct conflict with FDIC recommendations and are often wrong. Suntrust has no way of determining what the most important transaction is, therefore the justification is unfounded. " We are still waiting for a response from Suntrust Complaint department as to how they intend to handle their handling of our money. Nowhere on their site, or our agreement does it state they process the order at their discretion. The agreement is intentionally vague to hide the fact that the participate in reordering transactions.
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| 09/12/2016 |
Yes |
- Bank account or service
- Savings account
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Web |
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On XXXX XXXX, 2016, I visited the XXXX XXXX branch of SunTrust at XXXX I presented a Withdrawal Form to withdraw funds from my account which had been electronically posted by my new employer. My initial interaction with the teller made me feel racially profiled and discriminated against. When she realized that I wanted to withdraw {$5600.00}, she asked if I made a mistake and meant to ask for {$560.00}. After I verified the amount, she informed me that she did not have " that kind of money '' and called the manager. Branch Manager, XXXX XXXX XXXX, looked at my XXXX driver 's license and told me that she was not going to give me money out of my account because my GA driver 's license did not match the ID on my account when it was opened in XXXX. I explained to XXXX XXXX that I had moved to XXXX after college and was in the process of relocating to XXXX for my new job. She told me to go to the DMV to get a XXXX driver 's license and come back the next morning. I offered my Social Security card and my Birth Certificate to prove my identity. However, XXXX XXXX was unwilling to accept additional identification. As a result, I called my aunt, XXXX XXXX, who works in SunTrust Corporate Compliance for her advice. My aunt called XXXX XXXX to try to help resolve the situation. XXXX XXXX was unreasonable and kept repeating that she could not give me money from my account because my ID did n't match what was on file. She told my aunt that the funds were in the account and the only issue she had was identifying me. XXXX XXXX finally agreed to reconsider my birth certificate as a second form of ID. She called me into her office where she continued to treat me unfairly by questioning what I planned to do with my money, why I sent money to my aunt, and prying into all of my personal business. She called the Help Desk and asked about a policy that supported her in denying me my money. The Help Desk told her that she had the authority to do what she felt was appropriate. They suggested that she called the Fraud Unit which made me feel like a criminal. XXXX XXXX placed a call to the XXXX XXXX while I was still sitting in her office. They threatened to freeze my account after asking personal questions that were none of their business. I believe XXXX XXXX abused her authority as a manager and discriminated against me because I was a young XXXX male with a lot of money in my account. She made me show my offer letter to prove my signing bonus. I also had to give my credit card, Social Security Card and Birth Certificate along with my Driver 's license. After she made me itemize what I was going to do with the money, she decided that she was only going to give me {$5100.00} of the {$5600.00} that I requested. I was at the branch for over 2 hours trying to get my money. I explained to XXXX XXXX that I had an appointment to pay a deposit on my apartment and she told me to call the apartment office to tell them that I was tied up at the bank. No customer should have been treated like I was. A simple trip to the bank ended up being over 2 hours because XXXX XXXX racially profiled me and assumed that I was trying to rip off the bank even though the money was deposited in my account electronically through direct deposit from my employer. I had conducted previous business at a branch in XXXX, XXXX that morning and the teller was very helpful and gave me instructions on what to do when I arrived in XXXX. I feel like I was violated by the manner in which XXXX XXXX interrogated me. She had no right to prevent me from withdrawing my money. I should not have to answer to a branch manager on why I wanted my money. The ID verification was not the problem. I had everything anyone would need to verify their identity. I was discriminated against because of my race and age and XXXX XXXX should be reprimanded.
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| 12/08/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My wife and I opened an account with SunTrust Bank XXXX, XXXX branch in XX/XX/XXXX. We intended to use the account to purchase a property in XXXX. Unfortunately, we were unsuccessful with our bids and therefore we did not use the account. In XX/XX/XXXX I contacted Suntrust via my online account and asked what was the best way to close my account and get the balance on the account sent to me. I was advised that the money could be either transferred electronically or paid by check. When I tried to transfer electronically the system did not allow me to do so and so I requested a check and was advised that this could take up to XXXX weeks to reach me. My online access was cancelled at this point and I waited for my check. During XX/XX/XXXX I received a change of address card from SunTrust Bank which had international postage paid and contained the address originally given in XX/XX/XXXX. I then heard nothing more. I contacted the XXXX in XX/XX/XXXX and asked for the status of my check as I had not received it. A gentleman called XXXX said he would look into this and email me with the details. He did not do this and so I phoned him again. He said he would send me an email. This did not arrive and so I phoned the XXXX again to be told that XXXX had gone home and would not be back at work for a couple of days. I then phoned the XXXX of SunTrust and I was told that the check had been sent out at the end of XX/XX/XXXX but had been returned as undeliverable in XX/XX/XXXX. I could not understand at the time why this had happened as I was told it was sent standard mail and would not therefore require a signature. The Bank had already successfully sent me the change of address card and so I was confident they had my address. On XX/XX/XXXX I was then told that because the check had been returned I would have complete an indemnity form which they would send to me. I was not happy with this as I would have to wait another XXXX weeks to receive this. At this point I raised a complaint about XXXX at the XXXX for not getting back to me as promised. My wife and I spent in excess of XXXX hours speaking to either the XXXX or the XXXX being passed from XXXX to the other because the account is a closed account. In a subsequent call to the Helpdesk I asked about the complaint I had raised and was told that there was no record of it on their system. At the beginning of XX/XX/XXXX I received a letter and the indemnity form. The letter said that we had to complete all the areas highlighted, including, Description of the XXXX XXXX, Approved by and XXXX XXXX XXXX ) [ Executed under penalty of perjury ]. Given that we had never seen the check the only section of the form we could complete was our signatures. On close examination of the envelope, I believe I know why the check never reached me. The standard mail postage paid was {$0.00} which I presume is domestic mail. The envelope shows that the indemnity for got as far a XXXX XXXX where the French postal service put a sticker over the original XXXX franking and re franked the letter so that it would reach me. I suspect that the check was franked similarly in the XXXX and was rejected by the postal service somewhere because insufficient postage had been paid. I received a call from XXXX who works on the Research Team at SunTrust as a supervisor called XXXX had passed our case to the Research Team. I explained to XXXX that there was little I could complete on the indemnity form and that it is rather ridiculous that we have to pay to have our signatures only notorised when the Bank have a copy of our signatures on file. XXXX said she would check with another department and ring me back in about XXXX minutes. The following day XXXX phoned to say we need to sign the form and get it notorised. The money will not be released until this form is returned.
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| 03/31/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX/XXXX/16 I received an email alert letting me know that my checking account was overdrawn. The email was puzzling since I know that I had not purchased any big ticket items. I immediately went to the bank branch where I opened my account to see what happened. This is what was explained to me : My checking account had been charged a series of 'mini fees ' that had been collected through debit card transactions. I asked why would the bank allow the transactions to continue when there was no money in the account? There was a mediocre explanation that eventually led to a requested print-out, by me, of my account. The print out revealed that SunTrust had been charging fees to my account of XXXX for each and every transaction. On some days, my account was charged up to XXXX of these XXXX fees on the same day. I 've been with SunTrust for less than six months, and they continue to, or the employee who opened the account, continues to make glaring errors in relation to my account. How? First, the account was set up improperly. Second, the representative who opened the account did not explain all of my options to me. This experience leads me to believe that there is poor management at this branch location ( XXXX XXXX ) and that the manager, XXXX XXXX is doing a horrible job with both managing and properly training his employees.
On XXXX/XXXX/16 I left a message at the branch requesting that XXXX XXXX call me. On XXXX/XXXX/16 when I saw XXXX XXXX to check on my account status, he had not even looked into it and explained to me that he had been busy. On XXXX/XXXX/16, XXXX XXXX explained to me that again he had been busy. It was not until that day that he even begin addressing my account. To this day, he has not taken responsibility in the mismanagement of my account and instead is trying to cover up for his employee, XXXX XXXX, who opened my accounts. I believe that XXXX XXXX and XXXX XXXX are more interested in meeting their account quotas instead of the care and attention to the consumer.
When I first opened account XXXX XXXX made a serious error of placing all of my money into my savings account instead of my checking account, as I had requested. This resulted in gross errors that led had to be straightened out when I went to pay my bills ; Certain payments did not go through due to XXXX XXXX 's error. In that instance, I do not believe XXXX XXXX was counseled by his manager. Something is amiss in the training if XXXX XXXX is allowed to continue making these mistakes and his manager is content with making excuses for his employees instead of re-training his employees and making sure the consumer is okay. XXXX XXXX sent me an email claiming that he tried to call me on the XXXX, but I do not believe that to be true, as I received no phone call. I, once again, had to be the one following up with him concerning my account.
A total of approximately XXXX in fees were charged to my checking account ; fees that are both exorbitant and ludicrous seeing the nature of the fees. SunTrust was allowing card transactions to go through whether or not there was any money in the account. I feel that this was an instant payday predatory practice by the bank as they are aware that my paychecks are direct deposited every two weeks like clockwork. I believe that I was seen as an easy target and money could be made from my account due to my direct deposit. I will reiterate that these options were not explained to me thoroughly when I opened my account. My account was set up improperly. It is for this reason that I am requesting a full refund of all of my fees. SunTrust has violated my trust and is exploiting the consumer.
My account was being charged for debit card transactions of XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, etc. SunTrust is taking advantage of consumers.
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| 11/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Friday XX/XX/XXXX I received a letter from SunTrust Bank dated XX/XX/XXXX, noting delivery made VIA certified mail ( which I never received ) and First-Class mail, notifying me that effective immediately, " as the result of an account review '' that SunTrust was closing my checking, savings, credit card and business accounts. The letter states that " to prepare for closing you may be prohibited from making deposits after 10 days from letter date '' and " check cards will become inactive within 10 days of the date of this letter ''. Further, this letter does not give a reason, and states emphatically that this is a non-reversible and final decision. Again, this letter was not received until after XXXX and a certified letter attempt was NOT made. While it may have been dated XX/XX/XXXX, it certainly was not mailed on that date, or it was somehow delayed in its delivery. I unfortunately did not retain the letter envelope for proof.
My first thoughts upon receiving this letter late the day after XXXX, after banking hours, that it was a scam. I had no idea why such a letter would be sent as I have been a valued consumer associated with SunTrust since about XX/XX/XXXX via numerous business and personal accounts as well as loans. I do not bounce checks, I do not over draw my account, I have a healthy savings account and am a minority, small independent business owner in good standing .... always. My woman owned business caters to interior designers and the hospitality furniture industry. In short, my company is the liaison between hoteliers and design firms ; I am an independent manufacturers sales representative to several of the oldest and most respected furniture manufacturers in the nation.
Today XX/XX/XXXX, the first day after receipt of the letter of termination, I had not given much more thought to the letter and had it sitting on my desk as I got back to business and intended to go to the bank later in the day to discuss it at my local branch. Before I got a chance to stop by SunTrust, I was out on appointments, doing regular business, working and attempted to use my card to purchase some items for a sales presentation meeting. As I attempted to check out on two occasions, both my personal and business check cards were declined. In each case I was extremely embarrassed as I attempted to use each of my cards at a local grocery to purchase items for a business group gathering. I was finally able to use a credit card to get the goods that I needed to complete business.
I got back to my office and immediately called SunTrust and was told that my check cards were cancelled and that all business between SunTrust and myself were terminated and that I had until XX/XX/XXXX to remove my funds from the bank. This has left me at a severe disadvantage as I have numerous appointments this week to take clients out to functions, I need access to my check cards for purchases, I need to make payroll, I have invoices to pay, etc. When I called SunTrust at their XXXX number I asked for a supervisor and was connected with someone who gave me their first name only. I was basically told that they had the right to do as they pleased and had no inclination to divulge information with me as to why the account was being terminated. I told them I had done nothing wrong, was not in an illegal, " high risk '' or " unsavory '' line of work. I asked for a review to see if there had been a mistake and was told that this was final and there was no recourse.
This is unethical and highly disruptive to my business and is costing me many dollars and hours trying to find a last-minute bank and make arrangements to pay employees and vendors. It has impugned my reputation in the community and I strongly disagree with the methodology and implications that this event has made upon my corporation.
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| 08/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My mother, XXXX XXXX, who is now deceased, was deceived Suntrust bank ; because of Suntrust 's actions, she was charged at least an extra {$7200.00} in interest. As her executor, I am asking that the unauthorized interest be returned.
In XX/XX/XXXX, she took out a HELOC in the amount of {$400000.00}. At the time, she thought she had only used {$66000.00} of line of credit. In fact, XXXX XXXX, a Suntrust employee, without her authorization, took out the whole {$400000.00} line of credit on or about XX/XX/XXXX, and transferred it into a checking account opened in my mother 's name ( the " Checking Account '' ). The {$66000.00} was then withdrawn from the Checking Account on or about XX/XX/XXXX. Starting in XX/XX/XXXX, my mother was charged interest on {$400000.00}, when she should have in fact only been charged interest starting in XX/XX/XXXX on the {$66000.00} she was told had been withdrawn from the HELOC. During this time, my mother was in regular XXXX.
In XX/XX/XXXX, I looked at my mother 's HELOC statement because she was no longer XXXX and as her executor I wanted to learn about the state of her finances before she died. She told me she had taken about {$67000.00} out through a HELOC, so I was confused when her statement said that the full {$400000.00} line of credit had been used. I eventually realized that the Checking Account had been opened, and explained what had happened to my mother. She said ( a ) that she had not authorized the transfer of {$400000.00} to the Checking Account, and ( b ) that did not realize that XXXX XXXX had transferred the entire {$400000.00} line of credit into the Checking Account on her behalf. We immediately transferred {$330000.00}, the entire balance of the Checking Account less {$1.00}, so that she would no longer be charged extra interest. This transfer took place on or about XX/XX/XXXX. We kept {$1.00} in the Checking Account to maintain a record of the transactions that had taken place in the account.
During the month of XX/XX/XXXX my mother 's health declined rapidly, and we were too busy focusing on her health to speak extensively with Suntrust about the overcharges associated with the HELOC. Still, on or around XXXX XXXX, I went to the Suntrust branch in XXXX XXXX, Florida and spoke to an employee about the overcharges. He said he would speak to the manager, XXXX XXXX, and get back to me. A few days later, the manager told me that she was look into the charges and try to help with the situation.
After my mother 's death in early XX/XX/XXXX, I again went to the Suntrust branch in XXXX XXXX, Florida about the overcharges. Some employees recognized that my mother had been deceived by the Suntrust employee who opened the HELOC account and Checking Account, and I asked that Suntrust unwind the excessive charges. I spoke to various employees, including XXXX XXXX, the manager of the branch, but after a series of discussions, the Suntrust representatives eventually said that it believed the transfer was valid, and they would not refund the interest. They did say that XXXX XXXX was no longer with Suntrust. I then I paid off the remainder of the HELOC balance as part of my duties as executor, but repayment was delayed while I was trying to address the overpayments with Suntrust 's representatives.
Recently, my son mentioned that I could file a complaint with the CFPB about bank misconduct. Because Suntrust did not resolve the misconduct I brought to its attention, I am now writing to notify the CFPB of Suntrust 's misconduct and seek return of the funds Suntrust improperly charged my mother. As executor to my mother 's estate, I have a duty to represent her interests and the interests of her heirs. A number of my mother 's heirs are of moderate means, and I know these funds would make a real difference in their lives.
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| 12/11/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Credit decision / Underwriting
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Web |
Older American |
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SUNTRUST BANK APPRAISAL FRAUD. Re : Equity Line. This went to State of New York, XXXX County Supreme Court XXXX County of XXXX Index # XXXX. I received a Notice of Settlement of Judgement in favor of Suntrust on XXXX/XXXX/XXXX. With the evidence I submitted to oppose Suntrust I can not see how XXXX. XXXX XXXX XXXX could have found in favor of Suntrust..My wife and I are in extreme poor health. My wife is XXXX and I suffer from XXXX XXXX and currently being monitored on a daily basis for a XXXX on a recall list. I had no opportunity to represent myself in Court and had my answer to Suntrust complaint delivered to Court.. We have no income other than Social security and had to move to XXXX to be able to pay affordable rent. Suntrust Grossly misleads the Court by challenging our assertion that Suntrust misrepresented the value of subject property. Thankfully, Suntrust, in their motion, provided appraisal report from XXXX, dated XXXX XXXX. This XXXX valuation of the Subject Property was the sole basis upon which Suntrust provided the increase in Equity Line of Credit and led me to believe I had far more Equity in than actually existed at the time. I respectfully Submit that the " valuation " utilized by Suntrust was a gross distortion of the property value as Suntrust 's chosen Appraiser used comparables which had in fact no actual relevancy to the subject property.I asked multiple times for a copy of the " Suntrust in house Appraisal " at the beginning of litigation in XXXX and never saw this until Suntrust included this document in a motion dated XXXX XXXX, 3 years after start of litigation. I paid {$250000.00} for the house in XXXX ( had paid off XXXX others mortgages with Suntrust on other properties from XXXX to XXXX. ). The XXXX Appraisal showed subject property, mine, at {$330000.00}. on XXXX, XXXX. Keep in mind that the real estate market had already taken a nose dive. The Appraisal was totally bogus and appraiser in own notes states they never saw the property but made a phone call to my wife asking about improvements, etc, .I did not pay for this appraisal, Suntrust did. The mission of the XXXX Appraisal was clearly to bump up property value to induce me into an increase in home equity line, which I did.Subject property is in a development, XXXX XXXX, with over XXXX XXXX on XXXX to XXXX acre lots and many houses are representative of mine. As a matter of Public Record XXXX houses were sold on my block within walking distance to my house and very similar to my house. XXXX XXXX XXXX sold on XXXX XXXX XXXX for {$100000.00} and XXXX XXXX XXXX sold for {$96000.00} on XXXX XXXX, XXXX. XXXX did Appraisal on XXXX XXXX ,9 months and 6 months after the XXXX houses on my block were sold.These sales were available on County Public records but not shown by XXXX because sales prices were too low even though these houses were similar to mine. If XXXX showed these on Appraisal, Suntrust would not have bumped up Home Equity Line. I owed {$180000.00} on Mortgage at the time and a real Appraisal would have disqualified any increase in home equity line given that the house was worth about {$11000.00} at the time. Suntrust appraisal shows value at {$330000.00}.
To qualify this house for increase in home equity line the appraiser used comps way outside of any standards. They used comps from XXXX miles away, XXXX miles, XXXX miles, XXXX miles, XXXX miles in order to find higher value properties. Comparables were available ON MY BLOCK. Your own CFPB Press Release of XXXX XXXX, XXXX details Suntrust 's abuses uncovered by CFPD, D.O.J., XXXX. and XXXX XXXX in XXXX States. My wife and I have nothing thanks to Suntrust and we need help in stopping these proceedings. The judgement will be finalized on XXXX XXXX at XXXX A : M Supreme Court, XXXX County Index # XXXX. Please HELP.
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| 01/05/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I was introduced to this young man by an acquaintance, this young man told me he had a business venture that he wanted me to be apart of. I was very skeptical and I ignored him for a long time. He kept on constantly pursuing me. One day he said to me he will prove to me that the business venture is legitamate by giving me a check to deposit into my account which he told me was from all the other people that were going to participate with us as business partners. He gave me the check stating that this was from everyone in the business venture and that once the business took off we would then disperse the money equally.Two days later i realized that my check card and personal banking information was missing from my wallet. I then called him and asked him if he had come across it, he stated yes. I was very upset to hear this and i was unaware as to how he obtain my information. I believe it was while in my car discussing the business venture with him that he stole it from my wallet when I stepped out of my car. I immediately checked my account to see if my check card was used. I realized that he made several withdrawals from an ATM within a two day period. The total amount withdrawn from this scam was approximately {$7000.00} dollars. I contacted the bank to explain what had happened and filed a complaint to get reimbursed but was denied. I strongly believe that the bank did not follow their policies and procedures that I know and have experienced since being a membmer of Suntrust. These are the examples of why : First of all the ATM that was used was in an area about an hour and 15 min in another town from where i live and it would be unsual for me to withdraw money there two days in a row. Suntrust usually put a stop on your card when you withdraw out of your normal area and especially two days in a row. Secondly, he withdrew XXXX dollars two times in those two days and also withdrew a total of XXXX dollars in one day. Where as the withdrawal limit from the ATM per day is XXXX dollars. This is another big red flag that suntrust did not catch because i was not even aware you could withdraw XXXX dollars from the ATM farless XXXX dollars in one day. This leads me to believe that this person may have had someone working in the bank to be able to get away with withdrawing 2000 dollars in a day for two consecutive days with no questions asked by the bank.When i was told that by the bank, I asked how was that even possible.They said you can withdraw XXXX dollars once in a while if you have a good explanation as to why you would need an increase to withdraw such a large amount from the ATM. That was a third red flag missed by the bank, where the failed to inform me of these transactionsor to make sure that I was the one who was really making those large transactions from the ATM two days in a row. Fourth, there were multiple other withdrawls within the same two day period, which also the bank failed to verify it was me. Fifth, my account was overdrawn by an excess of over XXXX dollars which the bank should also have caught but did not. An example of why i feel that it was a failure on the part of the bank is if I had written a check or tried to pay a bill online and there were insufficient funds and i was unaware of the insuficient funds to pay that merchant then I could see the account being overdrawn. But it was withdrawals from the ATM that I should have known how much money i had in the account to withdraw from. I never receieved a call or the postcard the bank normally sends stating that your account is overdrawn. These are the reasons why i believe it is only fair that suntrust should reimburse me my money becaue the failed to take action on many occassions. I will do whatever is neccessary including getting an attorney to get suntrust to reimburse my money.
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| 05/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I was advised to apply for Chap. XXXX Bankruptcy back in XXXX due to significant medical bills incurred from my son 's illness. I was assured that our mortgage would be safe and that we could continue making payments. However, during the entire process of bankruptcy until it's conclusion in XXXX, SunTrust mortgage company would not allow us to pay. Our lawyer had tried to set up a special payment plan, but they would not accept our payments or speak with us until the bankruptcy was complete. As soon as the bankruptcy came to a conclusion, I contacted SunTrust Mortgage to resolve our unpaid mortgage. They advised us to apply for the Mortgage Assistance program, which we did immediately. They lost our paperwork, had missing pieces, and eventually we ended up submitting the paperwork three times. Once we were officially in the program, we made our payments on time each month. We were enrolled for 6mo. At the end of that time, we were sent paperwork to fill out and get notarized to complete our mortgage preservation and return to a regular mortgage set up. We filled out the paperwork, had it notarized, and sent it back well before the due date. Our final payment included in the package with the notarized paperwork was cashed by SunTrust before the due date even came ( XX/XX/XXXX check was cashed ). When XXXX came, we had still heard nothing from them, so I called to try to make another payment. I was told that we didn't have to pay XXXX, and by XXXX we would be returning to our regular mortgage payments through their website, with a new balance of {$97000.00} left to pay. The employee I spoke with did let me know that there was a note on our account that they could not locate our notarized paperwork, but she told me that she would figure it out for us. She said worst case scenario, she would just send us the same paperwork to fill out and notarize again so they had a copy. I faxed her a copy of our bank statement showing a copy of the cashed check on XX/XX/XXXX so that they would have proof that the paperwork was submitted. The following Monday afternoon, we received the paperwork in the mail, so I figured they had lost our original. My husband and I both work in the XXXX XXXX, so we work 12 hour shifts. He worked Mon, Tues, Wed ( through all open hours of the notary ), and I worked Thurs ( through all open hours of the notary ). Friday, we went to the notary, had the paperwork completed, and sent via XXXX that afternoon to SunTrust. The following Monday, we began receiving notices that our home was to be placed in Foreclosure. I called SunTrust immediately, and they stated that because we had not returned the second set of paperwork within 72hrs, they had kicked us off of the program and we were being sent for foreclosure of our house. We were never told that we had to return the paperwork within 72hrs, and there was no physical way we could have done that with our work schedules. I called SunTrust multiple times and each time was given a different employee to speak with. Each giving me different answers, and none knowing exactly what was happening with our account. The following week, we were told that they would not accept our final paperwork, despite having cashed our check and lost our original copies from XXXX. They told us we had to resubmit all of the paperwork to get back on the Mortgage Assistance program. We resubmitted that paperwork, and have yet to hear back, despite leaving voicemails for the person who is supposed to be in charge of our account. We currently reside in this home with our two young children, ages XXXX and XXXX years old. We have been begging SunTrust to allow us to make payments on our mortgage. They have been nothing but difficult, unprofessional, and resistant to helping us re-establish good standing with our payments.
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| 01/25/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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To Whom It May Concern : I am seeking counsel to represent me and take SunTrust Bank to court for violating my privacy, for abusing me financially, for violating too many CFPB guidelines, along with misrepresentation of their products/services. This is what I sent counsel, but I wanted you to be aware of my concern as well.I opened a SunTrust bank account a few months ago. Knowing they did not have local branches, I wanted to insure my money is accessible should I need it, but not as easy accessible to go thru all of my savings having recently sold my house.
SunTrust bank housed about {$100000.00} of my money. A dire situation arose and I needed a withdrawal of {$14000.00} yesterday. They increased my spending limit, but not my ATM limit. I explained to them I even went to XXXX to cash a personal check and almost paid {$1400.00} to have that done since I needed my cash right away. That was to no avail. Today XX/XX/2017 I called to work something out since I could n't let this issue roll to the next day and I was literally abused by this institution and its employees. I requested to speak to the office of the President, they refused, eventually causing it to be after XXXX EST. After XXXX, the excuse was they are closed. I spoke to several managers and took the following notes. They even called the institution that needed the cash for this dire matter and disclosed my personal information, but me in so much danger. That call was recorded. I am asking counsel to subpoena the phone conversations and proceed with legal matters. The managers in question did not follow CFPB guidelines and were quite oblivious to the whole point of the regulations to protect people like me. I even spoke to a branch manager in XXXX TN named XXXX and she assured me the ATM limit can be increased to {$14000.00}, the managers at the Client First Solutions within SunTrust Bank 's customer service department disagreed and would increase it to {$2500.00} and then not doing that either. Manager XXXX XXXX was a manager who hung up on me several times. Eventually XXXX transferred me to XXXX XXXX, who was her direct manager. She not only violated privacy laws, but also intentionally disconnected the call several times. Knowing her phone # and her direct manager, I called back with her on the line and left messages to all of the managers in the hierarchy until I reached the CEO, who resolves customer complaints thru his assistant. At the end of this correspondence you will find all of the names and numbers of the managers I left urgent messages for. To say the least, the company does not have an office of the President department, nor do they care to process and resolve customer complaints. Instead because they house my money, I am at their mercy and can not use it. The managers ALL were unfamiliar with their own bank 's policies. Additionally, their goal was not to have my issue resolved. Ultimately I did not get the cash I needed causing my life to be in serious despair ( details can be provided upon request ). They admitted to several conversations not being recorded because the managers called me to avoid a lawsuit. Keep in mind, on several occasions they suggested I drive 3 hours or fly to the nearest branch. I live in XXXX and the closest branch is on the east coast. They would not wire the money or work with other financial institutions to make this possible. I am talking about western union/other banks/check cashing places. XXXX ( branch manager in XXXX, XXXX ) XXXX XXXX XXXX ( she was on the phone while I left messages to her superiors ) XXXX She said office of the President closed at XXXX. Did not have their number or process. XXXX XXXX is XXXX manager. I left a message with XXXX on the line XXXX XXXX XXXX is XXXX manager, I left a message with XXXX on the line XXXX
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| 04/30/2016 |
Yes |
- Money transfers
- International money transfer
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Web |
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CFPB Complaint Number : XXXX XXXX Police Dept. Incident # XXXX FBI IC3 Complaint # : XXXX FTC Complaint # : XXXX On XX/XX/2015 what I thought was a P.T. job opportunity turned out to be a scam. I was hired by " XXXX XXXX '' as a " XXXX XXXX XXXX. '' The duties were described as " organizing purchase activity in a fixed region ... coordinating projects ( including making contracts, scheduling transportation, tracing shipments ), & providing documentation & reports. '' In short, the position boiled down to sourcing computer equipment and shipping it abroad, using my personal C.C. to pay for the equip. & shipping costs.
In exchange for sourcing and shipping requested product and undergoing supply mgmt. training, I was promised a monthly salary, reimbursement for all expenditures on my credit card, commissions on " accomplished contracts, '' an iphone, paid sick time, corp. card etc. Although I performed all tasks assigned to me timely and per " XXXX XXXX '' procedure, I was never compensated as agreed. In fact, I was not compensated at all. Emails to the Project Coordinator regarding payment of wages went unanswered.
Because all equip. I purchased for XXXX XXXX was charged to my personal XXXX, XXXX XXXX provided bank account info. for their supposed Corp. Acct. ( " SunTrust Account '' ) to be used for repayment of equip. & shipping costs incurred by me. XXXX XXXX instructed me to withdraw funds from the SunTrust acct. to pay the charges incurred on my card in connection with performing my duties for XXXX XXXX. However, when I attempted to draw upon funds from the SunTrust Acct., it appeared that the acct. contained insufficient funds to cover the withdrawal. Between XX/XX/2015 & XX/XX/2015, at least XXXX of the charges I sought reimbursement for were reversed.
As I could not afford the {$31000.00} in charges for the equipment purchased for XXXX XXXX, I emailed the Project Manager ( XXXX XXXX ) regarding reimbursement. The project manager then gave me new bank acct. info to use. This new account apparently contained sufficient funds to cover the {$31000.00} in charges incurred on my personal credit card in connection with purchasing and shipping the requested equip., & my C.C. balance was returned to {$0.00} on being XX/XX/XXXX.
AS OF THIS UPDATED LETTER, I AM DISPUTING THE IRREGULARITIES OF ALL THE REVERSALS IN CONNECTION WITH THE CREDIT CARD. ESPECIALLY PAYMENT ON THE CARD MADE ON XX/XX/2015 WHICH WAS REVERSED ON XX/XX/2015 BY THE HOLDER OF THE SUNTRUST ACCT. A TOTAL OF 16 CALENDAR DAYS ELAPSED WHEREIN A TRANSACTION WAS PAID & FINALLY REVERSED ON THE CARD BY AN OUTSIDE HOLDER AT SUNTRUST BANK.
The last time XXXX XXXX sent me an email was on XX/XX/2015 wherein he said he had a business trip, & that he would check on my salary & providing a corporate card. Further, he said if I needed salary ASAP that I should withdraw from my credit card & cover it with another payment.
I have returned a total of XXXX XXXX Laptops to XXXX. I have alerted XXXX & my XXXX Credit Card Fraud Dept. The C.C. is now closed and as of this XX/XX/2015 XXXX Disputes Dept. has closed the case & I owe {$23000.00}. I found a blog on-line XX/XX/2015 which names the principals in this scam by name : XXXX XXXX & XXXX XXXX. I have a voice mail dated XX/XX/2015 from XXXX XXXX soliciting the job offer for Supply Chain Manager XXXX XXXX XXXX My resume, which is found on-line via XXXX was the source of my contact info for them. I have a hard copy of this webpage & all email correspondences, acct. #, & receipts etc.. It is important to note the XXXX Lab website is now off-line. It has moved to XXXX & that too has come down " for Maintenance ''.
SunTrust Acct # 's & R.N. 's associated w/scam are as follows : R.N. : XXXX Acct # : XXXX & R.N. : XXXX Acct # : XXXX XXXX XXXX : XXXX
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| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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This is an outrageously embarrassing complaint on my behalf, yet one of a very serious matter that has left me very frightened. After receiving a financial windfall in XX/XX/XXXX, I celebrated a bit too much one night and came home very late and quite XXXX in the early morning of XX/XX/XXXX. After watching professional poker on television, I foolishly decided that I wanted to try to gamble a bit with my new found money. I live in Maryland, and casino gambling is legal and regulated here, although I have NEVER been to a local casino. I was far too XXXX to drive to a local casino, so being a naive and novice gambler, I decided to do an internet search for online casinos. After looking at several " referral sites '' I decided on XXXX and XXXX as they were advertised to take deposits from players in the United States. Again, being naive, I assumed that everything was fully legal and that I, and the casino sites, would be abiding by all local and federal regulations ( again, gambling is legal in my state, so I had no reason to believe that I was doing anything wrong ). I made XXXX deposits with XXXX - XXXX {$200.00} - and XXXX deposits with XXXX - all four {$500.00} each. As a newly minted degenerate, I continued to gamble and drink throughout the day. Admittedly, I lost the {$500.00} I deposited with XXXX, but I won a considerable sum with XXXX - plus {$1500.00}. However, when I tried to withdraw my winnings, I was told that I needed to make a certain number of deposits before I could withdraw (??? ). I tried to make more deposits, but I could not. I called SunTrust to find out why, and they told me they were concerned about fraudulent activity. They asked me if I had made charges in amounts that sounded similar to the purchases I just made, and, unfortunately, being in a XXXX - and by now agitated - state, I hurriedly and recalcitrantly just tried to wave the customer service agent off and kept saying, " Yes, yes, yes. I made those charges. '' Regardless, they were still concerned about the nature of the transactions, and blocked my card. I finally went to bed, feeling like the most gullible loser in creation. The next morning I woke up, checked my bank statement online, and noticed I had authorizations from FOUR different merchants whom I had no idea whom they are, and had never done business with any of them. Futhermore, the amounts of the charges were {$200.00}, {$210.00}, XXXX for {$490.00}, and XXXX for {$510.00}. None of the merchants are located in the United States. I immediately went to my local branch and filed a fraud complaint. I told them the entire truthful story of what happened, and filed on the basis that I never received goods nor services from these merchants, and I have no idea who they are. That these merchants were given my financial information left me aghast. Long story short, they denied my claim on the basis of " implied consent ''. " Implied consent '' has no bearing in this case, and is being applied inappropriately and recklessly. I, as the cardholder, can not be reasonably or prudently accused of naivety in not knowing that these websites were going to share my financial information with another third party, as there is no written notice of this mentioned in the Terms and Conditions of either site. I still do not understand the Unlawful Internet Gambling Enforcement Act of XX/XX/XXXX ( UIGEA ), but I do know that by ignoring my willful admission that I made these deposits in good faith, without knowledge of how they would be conducted, SunTrust is tacitly condoning them by denying my claim, and they are in violation of UIGEA. NOT ONLY THIS, but the day after I filed my fraud complaint, SunTrust allowed the merchant who initially authorized XXXX to take a final payment of XXXX. I have proof of all of these events.
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| 06/12/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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During each credit dispute investigation, SunTrust Mortgage has been fraudulently updating and changing information on the account reported by them with bogus payment history. This is nothing short of fraud and a clear violation of my civil liberties under the FCRA 611 ( a ) ( 5 ) ( A ) ( i ) and FCRA 623 ( b ) ( 1 ) for duties to report accurate information.
Upon every dispute, they manipulated payment history by swapping current/late payment status around. It appears SunTrust Mortgage was just making an update on the account to satisfy the responsibility of doing a " reinvestigation '' as required by the FCRA when notified of a dispute. SunTrust Mortgage was not doing any reinvestigation and was merely providing false information to close the dispute quickly.
On each screen print attached, you will see how the payment history was changed for specific dates, and then what the payment history was previous to the update. For the sake of brevity, I 'm only presenting XXXX report data from XXXX XXXX. I have copies of the credit reports showing these changes but it 's easier to see what changed using the format XXXX XXXX provides.
XXXX XXXX - note the status on each example, which I have highlighted on the documents.
See 1st example attachment - XXXX ; this attachment shows main cover page and the relevant page showing the SunTrust Mortgage account. On the SunTrust Mortgage account on this document, there you can see the date XX/XX/XXXX ( XX/XX/XXXX ) showing " 30 days late '' as of XXXX/XXXX/XXXX.
See 2nd example attachment - XXXX ; on the dispute initiated around XXXX XXXX a few months later, it shows SunTrust Mortgage changed XX/XX/XXXX from " 30 days late '' to showing " XXXX ''. " XXXX '' other payment date statuses were also changed on that dispute which is suspicious in itself. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX.
See 3rd example attachment - XXXX ; on this more recent dispute around XXXX XXXX, it shows SunTrust Mortgage XXXX XXXX from " XXXX '' back to " 30 days late '' along with a few other date status changes. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX.
See 4th example attachment - XXXX ; after the XX/XX/XXXX dispute still came back with bogus info, I rebutted again within weeks. This is my most recent dispute started in XXXX XXXX. SunTrust Mortgage only changed a single status this time probably to close the dispute quickly. Again for the 4th time XX/XX/XXXX was changed from " 30 days late '' back to " Current ''. This was barely even a month or so later. The dates at the bottom of the document are the time frame in which it happened noted by XXXX XXXX.
As you can see from one example using XX/XX/XXXX ( XX/XX/XXXX ) they are continuing to manipulate my credit report with false and inaccurate data.
XXXX XXXX was late, then current, then late, then current. All updated after different disputes.
It was either late or it was n't!
There are other dates that flip flop around as well but it would take much more time show this. I 've included screen shots to show different date statuses over time. All of this can be verified through my credit reports. There is no excuse or reasons for this.
They have also changed my high balance from it 's reported balance to other amounts after the account closed reported as XX/XX/XXXX.
Enclosed is a copy of the IRS form XXXX showing actual balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$170000.00} Enclosed is a copy of a XXXX credit report dated XX/XX/XXXX showing a balance of {$180000.00} This is clear violation of my civil liberties under FCRA for intentionally and willfully providing inaccurate information.
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| 06/15/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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COMPLAINT ON BEHALF OF Her name is XXXX XXXX XXXX - Nickname " XXXX '' Home Address XXXX XXXX XXXX XXXX
XXXX, GA XXXX Current Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX Case # XXXX XXXX XXXX XXXX XXXX XXXX Police - Phone XXXX It 's urgent and I need some assistance regarding a case of serious Elder Exploitation that I have knowledge of. I have gone to the police and the Elder website hosted by the State of Georgia. This has been going on for more than a year and a half and the victim has been taken for her entire life savings, home and car which she owned free and clear. She signed over a POA to XXXX individuals who have used every bit of her estate for their personal gain ( and I have it in writing their admission of doing so ). Still nothing continues to be done in the way of the police bringing forth any charges.
I need your help, and if you are available I wish to come and visit you personally to discuss the matter and bring you what documentation I have that was also provided to the police. I contacted the State XXXX ' office and no one ever even bothered to return my email or call.
This is a horrifying thing to have happened to this elderly woman who laid in a XXXX home after a XXXX and trusted her entire life savings to these people who were supposed to only utilize her estate for her benefit and uphold their fiduciary responsibilities per the POA. There are also XXXX banks and XXXX brokerage account who FAILED to protect this consumer and I will also be filing FTC and CFPB complaints against each since they did not enforce or protect this person as they are required to per Mandatory Reporting Provisions in XXXX Statutes. The criminals went to the same bank, used the same tellers, same bank personnel at the same location for over a year, draining the accounts and fund, closing CD 's and even purchased a home for themself using a wire transfer from XXXX of the victims accounts.. all by using a POA of a lady who suffered a XXXX and was in a XXXX home. NO ONE ever did XXXX thing, asked XXXX question or did any type of mandatory reporting, reported with a SAR that I '' m aware of, even though many of the transactions were well over XXXX and had many, many ATM withdrawals and debit card purchases that clearly would not have been made by someone in a XXXX home or that someone in a XXXX home would use or need - which seemingly could have been monitored and reported if the bank personnel would have looked at the transactions and used their knowledge of the individuals withdrawals per the POA. Cleary transactions that depleted the entire account balances in record time and clearly NOT done by a person with any regard to upholding their fiduciary responsibility. I called XXXX of the institutions myself to advise them of the abuse and exploitation of the victims accounts, yet the theft continued and the individuals had access to all assets.
Please contact me. I know you are extremely busy, so I realize your time is valuable. But, this matter can not continue to exist in our State.
I see there are Elder Exploitation laws and agencies that are here to protect our elderly citizens of Georgia, but to this date and after almost 15 months of reporting this incident, still NOTHING has been done to stop these criminals. This XXXX victim that I am aware of will NOT be the last XXXX and I could not in good conscience continue to sit by and do absolutely nothing, because they will move on to the next elderly victim just as soon as they can, because this was simply too easy for them and from my experience NO ONE cares about elderly citizens ... period.
If they did, something would have been done to press charges on these felons for theft by conversion and breach of POA fiduciary responsibility.
When there is no XXXX
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| 11/05/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Problems when you are unable to pay
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Web |
Older American |
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This request is in reference to Case No. XXXX. May I please invite your attention to the Final Response letter previously submitted by SunTrust dated XXXX XXXX, XXXX? In the second paragraph, they stated that we initiated a loan for {$37000.00} for the purpose of financing an addition to our primary home and renovating a secondary property. We intend to prove otherwise. We have enclosed a copy of the original credit application, the promissory note, and a copy of the original Title Search, along with the DOTs that had to be paid and satisfied before we could start constructing our home. We were approved for a {$37000.00} loan bearing the customer number " XXXX ''. The check for that amount ( attached ) was issued and sent to our Closing Attorney, XXXX XXXX per XXXX XXXX XXXX. XXXX paid these items off to release the XXXX DOTs XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX the DOTs included XXXX lots as collateral, so XXXX XXXX informed us that we had to use XXXX pieces of property in the construction loan. Copies of the cancelled items bearing a stamped seal dated XXXX XXXX, XXXX ( attached ) were supposed to be mailed to our Attorney but for some reason they never were ( copies of DOTs attached ).. The contract was drawn up between us and XXXX XXXX XXXX for {$150000.00} ( attached ). XXXX XXXX wanted to see it. He informed us that there were too many errors in the contract such as ; our land cost was supposed to be added in for the {$37000.00} we borrowed from XXXX, but instead it was doubled for {$75000.00}. We had our own well, air unit, etc. and were being charged over again. XXXX XXXX just told us to let him help us negotiate the contract and we did. I have attached a letter with the cost of the contract as well as a copy of the initial check. I was trying to get SunTrust to understand that the house did n't cost {$150000.00} and I attached a copy of the cancelled contract with XXXX XXXX. The {$37000.00} was included within the construction loan for the {$140000.00}. There is a copy of the DOT for {$140000.00}, the first check from XXXX ( {$83000.00} ) and a letter from XXXX XXXX explaining the total cost of the contract. We had more than enough money to get the house built. We had just got released from a Chapter XXXX due to my husband 's sickness which forced him to retire XX/XX/XXXX ( attached ). We barely received this {$140000.00} loan from XXXX, how could we possibly borrow another loan for {$38000.00}? My mother lived in her single wide mobile home and it did n't even have that kind of value anyway. I have attached copies of the Tax ID cards and appraisal cards to show that there were no additions to my newly built home nor renovations to the mobile home. I asked the Zoning department to verify that this property has never been used for rental or commercial purposes ( letter attached ). XXXX bought our first mortgage note and shortly thereafter XXXX XXXX refinanced it due their merger. They did n't have any ties to the XXXX XXXX XXXX XXXX property and neither did XXXX because it was supposed to have been released whenever the {$37000.00} note was paid and satisfied. XXXX properties were cleared and released. My Attorney never received the DOT XXXX. My Attorney died before this mess got straightened out, XXXX XXXX left XXXX, XXXX XXXX filed Bankruptcy, XXXX merged with SunTrust and here we are. How could SunTrust renew that note ( {$37000.00} ) and it was financed inside of my mortgage loan XXXX XXXX XXXX XXXX XXXX? Re-financing that note XX/XX/XXXX for {$38000.00} was wrong. I asked XXXX XXXX for some documentation explaining why they did n't use XXXX XXXX XXXX XXXX and they informed me that their computer that contained our records was stolen ( letter attached ). This has been one nightmare. SunTrust stated in the
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| 08/25/2017 |
Yes |
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- Trouble during payment process
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Web |
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I contacted Suntrust Mortgage In XXXX to notifiy them that my taxing authority had made an error on my tax bill. It was a XXXX XXXX issue. They advised me that they were already aware and due dates had been extended to XXXX and not to worry. I sent them the current bill that was issued in the mean time as the new bill would be actually going down. They said they wait unitl they get it from the taxing authority. and they had the intial notice. I contacted them again in mid XXXX as a 2nd tax bill was processed by the county and was also incorrect. It was {$600.00} higher than the previous bill. I advised them the the tax authority was in the prcoess of reviewing and determining what the 3rd and soon to be correct bill would be. I advised them not to pay and that they could contact the tax department and provided phone to confirm that this was being worked on. they said they would attempt to put a stop payment to pull the bill. Ironically in XXXX they told me they dont pay early but know that they have a higher incorrrect bill they dont know if they can stop it!! On XXXX XXXX I received the new correct tax amount from the county tax department I contacted suntrust and advised them gave them the phone number of who to speak to and told them the information would be viewable online on XXXX but they would provide a verbal if they called and contacted them. I requested a formal escrow correction based on the new amount so they would stop collect {$100.00} overage each month from me. On XXXX suntrust paid my taxes the incorrect amount! I contact them again and did a fromal reuest for a refund as well again requesting the monthly escrow amount ot be corrected as I did not want to be forced to overpay again because of their mistake. I also requested in be expedited On XXXX I called suntrust again to follow up and place another formal request for the refund and the escrow to be correct they told me in excess of 14 days I advised them this was unacceptable and that this should be expeditated because this could have been prevented. They have the ability to go online to the tax authority and view the correct tax amount and they have done this while I was on the phone with them. Why they cant fix their computer system is beyond me and not fair to me the consumer. I followed up again on XXXX the customer service rep said nothing shows updated in the system nothing has been done and told me they called the tax dept and said they were told they have the right amount ( the higher one ) - This is an outright lie. I requested a supervisor I was told none are available and its 2 days for a call back! I begged and pleaded the rep to go online and look for herself and sure enough she confirmed that suntrust does not have the correct information on file for my taxes and she would request the research team to look into this meanwhile I am owed almost a {$400.00} refund as well as I have mortgage payemnt due on XXXX and until they fix their system I have to overpay by XXXX just like I did last month! I again explained how this is unfair trade practices to the consumer to force me to wait to fix their mistake which they were notififed of and could of prevented and every step of the way suntrust has dropped the ball. I am not confident they can correctly managed my taxes and insurance I had a simialr problem 2 years ago with them mismanging payment for the homeowners insurance and paid the incorrect amount by over {$300.00} and they redid my escrow They decide they should pay my umbrella policy out of my escrow which is ridiculous Please advise if you need further information and what else I may do to help other people being subjected to these practices. It is not right they can hold my money hostage till they get around to when they admit they are wrong!!!
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| 02/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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My husband and I were having problems paying our mortgage. We called our servicer, Suntrust, to request foreclosure options ; we were seeking a " short-sale '' or a " deed in lieu ''. We were told that they could not assist us with either until we were in default, we would have to miss payments in order to be considered.
When we met the requirements of default, we were asked to submit our financial information. We had to fax and mail it several times, and each time we were told Suntrust was missing parts of the information, that we would have to fax again. This went on for three months, always having to refax info, then updated info, and we would never get a call saying that Suntrust received it, or did n't receive it. We would have to call and start the process all over again.
I have been in the XXXX for about 30 years. I was worried about exactly where my information was going and why exactly Suntrust is saying they have not received the information. I mailed information, and faxed information, all times Suntrust received the information, but somehow it was missing. I was assured by Suntrust representatives that the information was secure, would only be used by Suntrust, and not given to any other party or third party affiliate. This is not true. Since faxing our private information to the bank, we have had repeated attempts and identity theft activity On XXXX XXXX and XXXX, somebody tried to use our XXXX of our existing credit cards, XXXX a XXXX Hotel, and the other at a XXXX store. We were alerted by the bank that issued our card, otherwise the criminal would have been able to use the card. Then on XXXX XXXX, we received the attached letter regarding a failed attempt to open a XXXX XXXX Card in my husband 's name. ( Attached 1 ). When I spoke to the XXXX Bank, I was told by the fraud division, that the only information the thief did n't have was my husband 's DOB. They had our name, address, and social security number. The only information missing from the Suntrust Package was our DOB 's. We have never had any ID theft attempts before, and are extremely careful with our information. Again, I have been in the XXXX for about 30 years. I know how to protect my financial information. Since we submitted our information to Suntrust, we have had continual criminal and Identity Theft problems.
We received a letter from Suntrust with our information at the top, our name, our property, our account number, but at the bottom was another person 's name, requesting missing documentation from XXXX and XXXX. Further reinforcing our belief that Suntrust has failed to secure our information, and the source of the identity theft activity, we have no idea how many entities, other customers, or employees have our information.
I am in the process of filing a FTC Identity Theft Report and putting a Freeze on our credit. I have no idea who Suntrust shared, " accidently '' or otherwise, or who was allowed to steal our information.
Servicing issues have also been a continual issue. Suntrust sends us a letter stating they are working on our package, but days before that we were told our servicer is now XXXX.
Suntrust sent us a letter telling they " cease '' collections while our packet was being reviewed, and no late charges would be assessed, on XXXX XXXX, 2016. XXXX Attached 3 ) We received this letter after we received a letter from Suntrust ( Attached 4 ) stating XXXX is the new servicer on XXXX XXXX, 2016. We also received a statement in which late charges were assessed ; inspection fees and home preservation fees were assessed by XXXX. Stickers on our door stating the property is vacant, that the home is in foreclosure, and then XXXX sent in a company to change the locks and winterize the home. All of this during the time Suntrust is supp
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| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have been a client of SunTrust Mortgage since XXXX. with no issues ever until now. On XXXX XXXX I paid my mortgage pymt. as usual on the SunTrust website. OnXX/XX/XXXX, the full amount was withdrawn from my bank and recieved by SunTrust. XXXX XXXX I recieved a letter from SunTrust stateing that my pymt. '' has been returned to us by your bank for the following reason ; DFTno authorization Authorization revoked by customer '' thats word for word whats on the letter. I immediatly called SunTrust to find out whats going on. The only ph # i have is the dept. for collecting debts and that this call is being recorded. I assured the person I spoke with that neither me or my bank would have pulled that pymt. I was told to go talk with my bank, which is XXXX XXXX XXXX. I spoke in person with my bank and thay assured me no action whatsoever was taken on my pymt. to them othe r then processing it thru. I called SunTrust back and told them no such action was taken and that their website even shows that the pymt. went thru and i have a conformation #. i wa stold the issue was being referred to the Research dept. and someone would get in touch with me.As of XXXX XXXX i have been in constant contact with the research dept ( I can not call them directly I have to wait until they call me ) I have sent them per their request my monthly statement for XX/XX/ several times. i have sent them the Data Transaction Sheet at least 5 times. And all evidence shows that the pymt. went thru to SunTrust on XXXX XXXX. We have also had 3 teleconferences with my bank personal because SunTrust wanted to hear from an actual bank employee that the pymt. was made. One of these calls I was in the XXXX XXXX XXXX on vacation on a beach. Now I have been recieving letters from the Dept. of there company that deals with back pymt ; s. because sinc this XXXX debacle i can not make anymore pymt 's. So I've fallen behind due to no faultof mine and entirely that fault of an incompetent research dept. As of XXXX XXXX i recieved a call from SunTrust and the women said that the research dept. is asking for both sides of the paper check that made my pymt. on XX/XX/XXXX. I said lady, i paid it online on your website, she said that the bank would have written a paper check and sent it to SunTrust. I coild n't believe what she was asking me for. so to be as compliant as possible, which I have been for 2 months now, i said that i will go up to my bank and ask for the paper check that doesn't exist. I went up to my bank and to the womens office that has been helping me with this and gave her my request. She politely chuckled and said I am 99.9 % sure we don't send paper checks on an electronic pymt. but i will check to make sure. She came back and sure enough there is no paper check on electronic pymt 's. i tried to call them back, as usual got a different person because the person I was talking to was in a meeting. so i explained my situation and they took note and would refer it to the person I've dealt with. Can you belive this? Now every peice of documentaion i have sent them over the past 2 months shows that pymt. went thru to sunTrust. Now their asking for things that don't exist. I did ask to speak to a manager and got his, or her voicemail, and i left a very detailed msg with my ph # to call. now i have late fees and penalties accrueing, my credit score is damaged, I'm losing sleep, and the tension I get every time i talk with these people is horrendous.SunTrust lost my money somehow and expect me to find it for them, and they just refuse to see that the money was paid and nobody recalled it, and I don't have it. This is the most unprofessional way to do business I have ever had the displeasure of.I am at my wits end with what to do, where to go, who to talk to.
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| 03/30/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have applied for a loan modification. to split my past payments up over a certain amount of time to bring my payments current. I am a XXXX. XXXX # XXXX. I have access to the multiple listing services.SunTrust Mortgage did n't follow the Principles of Appraisal Practice and Code of Ethics the New Appraisal Standards, for my loan # XXXX. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice.Here 's the translation : Appraisers ca n't get in trouble for coming up with a value that 's too low. Lenders do n't lose money in the accounting sense when the appraisal is too low. All that happens is that they do n't make money they could have made from doing that loan, an item that does not show up on financial statements. Appraisers can, however, get in trouble for coming in too high.I pulled XXXX corporation info ( supplied ) with the state of Maryland. It seems their corporation is expired. They are not licensed to do business in Maryland.Please investigate this. I am going to be contacting the agents whom listings were used as comps. Since the agent that supplied this broker opinion seems to have puffed my property to push its value up and downgraded these o beautiful listings to push my properties value up. I do n't know if emortgage or SunTrust made the agent manipulate the values this way. I hope the board of realtors and real-estate commission audits all brokers price opinions that emortgage has supplied for SunTrust. And invalidated any forced short sales SunTrust has performed due to the pushed values. I am also notifying the CFPB about SunTrust 's actions.
Concerning the Broker Price opinion. This is n't a valid price opinion. I expect SunTrust mortgage to order a full appraisal by a licensed Maryland appraiser. I told SunTrust I would pay for the Appraisal. But now, I will not, since they keep playing games.XXXX. The address verification photo. Pre-dates this price opinion. This photo was on the other price opinion that was supplied by emortgage logic a few months ago.Check the roof. The old picture has no damage and the XXXX set of pictures by the sales person shows the recent roof damage. This should have set the stage for the sales person to rate the home as a fixer upper and not in average condition. As stated by the sales person. None of these comps are similar. Since they are all in immaculate and superior condition. I have enclosed pictures of the actual comps used. Showing their superiority. This broker price opinion does n't look like it is going by the uniform standards of professional appraisal practice. The Sales person 's MD license number of XXXX is n't included on the price opinion. There is a number of XXXX. This is not a valid Maryland License number.The company address on the price opinion does n't match the sales persons license of XXXX XXXX XXXX # XXXX, XXXX, MD XXXX.
There is no date on this price opinion. This price opinion has been certified by emortgage logic. Their certification really does n't mean anything since they are n't licensed to do business in the state of Maryland.There is no state in the state box.After going over all comps. I have noticed ; Comp XXXX, XXXX XXXX. MLs # XXXX sales person said it was in average shape. The home was completely updates and not in average shape. And not inferior. My home was inferior to this home. I have enclosed the listing- realtor 's view and the beautiful pictures of this updated home. This home is on city utilities.XXXX . MLS # XXXX XXXX, This is another updated home. I have enclosed the agent 's copy of the listing and the beautiful pictures of the listing. This home was listed by the price opinion as average and my home as being superior. I have down loaded the whole letter.
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| 03/07/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
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I submitted an application to Suntrust Bank to do a mortgage finance with a cash back. I agreed to the credit check on XXXX. I spoke with the mortgage officer who stated my debt to income ratio was high given my student loan payment that was in deferment and because of my XXXX account. At that time I was told if you could pay off my XXXX and produce a document from the student loan company with my payment once out of deferment, we could continue with the process. I paid off my XXXX and produced the student loan payment once out of deferment. The loan officer said this brought by debt to income ratio to 46% and I was pre-approved (XX/XX/XXXX). On XX/XX/XXXX I submitted other needed documents in regards to the condo and I paid the fees for the application, $XXXX (condo questionnaire), $XXXX (appraisal), and $XXXX (credit report). We continued to move through the process, with other requests for documents such as insurance information and the appraisal which occurred on XXXX. The condo questionnaire was completed XX/XX/XXXX. My loan went back and forth with underwriting, requesting additional documents pertaining to paystubs, bank statements etc. In XXXX, my loan changed from a primary property to a secondary home and I signed the new documents, had another credit report pulled (2nd one) and was requested to show a $XXXX reserve, which I provided within that week. The loan processor informed me this was the last step and we should be moving towards closing. He also requested my updated student loan information which I sent again XXXX (the same document submitted on XXXX) and he confirmed receipt XXXX which was the last day I heard from him. XXXX, I began to call/send emails regarding the status of my account, I received no responses/replies. I spoke to an admin who said she asked both the loan officer and processor to give me a call but neither did. I finally contacted a manager who returned my call immediately (XXXX). He looked into my application and informed me that my debt to income ratio was 65% (based on my student loan payment) and my loan was denied and asked if someone informed me which they had not. I informed him that this payment was no different than what was submitted in XXXX, then I sent him all the emails where this information was shared prior to me moving forward with the loan. I was contacted today, XXXX by the loan officer who explained that they must deny my loan because my student loan payment is variable not fixed and variable payments cannot be considered, only fixed. This same information of the variable payment was included in my documentation on XXXX. Several times, my application had been reviewed by underwriting and my student loan payment had not been a concerned. I was directly told my debt to income ratio was within the guidelines in XXXX which is why I proceeded with the application. This information was known prior to me being pre-approved and was available during the last 3 months. However, the representatives continued with my application soliciting the condo questionnaire fee of $XXXX and the appraisal fee $XXXX after having the information (reviewed by the loan officer and underwriter) that should have denied my loan in XXXX prior to paying these fees and continuing to solicit other documents from my job, condo association, insurance company as well as others wasting our time. I was led to believe my loan would be approved (I met the guidelines) which led the bank to benefit from the fees I paid in total of $XXXX which I should be reimbursed less than the credit report of XXXX. This also caused XXXX credit inquires (I expected only XXXX), which has dropped my credit score. This process was troublesome, didn't seem according to protocol in order to benefit financially.
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| 02/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Older American |
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To : Consumer Financial Protection On XXXX/XXXX/15, I asked my wife, XXXX to deposit my retirement check into our XXXX. I have always considered the organization to be a part of me even though wife started the organization before I met and married her. Down through the years, we have deposited many of my checks into that account which has never been a problem for us. My wife have handled very large sums of money for me EVEN BEFORE WE GOT MARRIED AND SHE HAS NEVER TAKEN FROM ME.. I will always trust her and she the same with me. After she told me what happened we both were beside ourselves. I could not believe how they spoke to her. We knew it was a mistake. After my wife went to the bank on XXXX XXXX, spoke to XXXX XXXX. VP and was told there was nothing she could do, we both on thought it was best to go on Saturday XXXX XXXX to let her know who I was. I asked her to call wherever she needed to call to let them know I was there. When I tried to give her my driver 's license and XXXX card which she refuse to look at them. She was very adamant and told me it was out of her hands.I went back that Monday, asking for my check. I told her that I was not leaving until I could get it. It was at that time she looked at my XXXX after she made the call. Again she told me it was nothing she could do, it was out of her hands. After several attempts of calling XXXX XXXX and XXXX XXXX, I finally got XXXX XXXX on the telephone ; he first stated he could not speak with me because my name was not on the checking account. I reminded him that it was my check that I was calling about then he abruptly said he would probably mail it. I told him it was close to XXXX and we needed the check to do what needed to be done. He did n't say anything else, he hung up the telephone. He told my wife he was holding my check and not closing the account out yet making sure no activities were on the account. She asked him how he could pay money from my check when they said the check was fraudulently handled. He said he could and they can send the check when they felt like it. It was out of his control. XXXX XXXX never called back. XXXX XXXX made so many promises to my wife that he was going to do the best he could but each time we called XXXX XXXX, XXXX XXXX seemed to be upset and he would change and say he could n't do anything. XXXX time he was waiting on it to come out of depository, then the next day he was waiting on the fraud unit to close out XXXX, even though we received letters ( see exhibit XXXX ) that the account was being closed and would be reported as fraudulent account. After that I closed my account out with them ( exhibit XXXX ) The early retirement was taken because of emergency ; my wife needed a minor XXXX, repairs. XXXX for our XXXX and for some to get home with their relatives. None of the above has been done. A few of our children left because once again someone broke a promise to them. These children were XXXX. We have had an account with Suntrust for years and my wife much longer. We have never had a problem with the bank. As you can see XXXX of ( exhibits XXXX ) we are the main contributors, in-kind and monetarily. We ask that you really help us with this. I am XXXX and my wife XXXX years old with no where to turn. As you can see we desperately need to pay our bills. ( Exhibit XXXX ) On the XXXX of XXXX, I was given a {$30000.00} certified check from Suntrust from XXXX bank, which XXXX XXXX told the banks not to honor. When I asked how would we cash the check, XXXX XXXX leaned down in my face and said you will in front of my wife that she did n't care where I cashed it but it would not be there or with another Suntrust .After visiting A Suntrust who had the money, when called XXXX XXXX , said do not cash it.
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| 09/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Older American |
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XXXX XXXX XXXX our personal banker at SunTrust XXXX XXXX branch in XXXX Georgia in the spring of XXXX, led us to a very unethical builder by stating, " in my work here at the bank I hear the good and bad about many builders and I 've heard only good about the XXXX. '' We decided to follow her advice feeling her recommendation meant more than our friends. We also discovered that the XXXX were building her new home. Eventually we learned to late to help us that she knew this builder had left another elderly couple with liens and an incomplete home. In the fall of XXXX this couple actively looked for her about the builders so she would n't suffer a loss like they had. XXXX XXXX withheld this information from us and when first confronted denied knowing them.
Originally our contract was with XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) but just prior to closing on our construction loan a problem emerged with either a license or insurance and the father 's XXXX XXXX XXXX stepped in and we were asked to sign a new contract under that name. In XXXX XXXX SunTrust discovered XXXX had not renewed its license and allowed them to step in without a new contract. I 'm unsure if the XXXX submitted the original or if SunTrust did. Additional paperwork requested by SunTrust appears to have significant errors that were not caught. It listed the company as owned by XXXX XXXX XXXX XXXX ( mother ) 50 % each. At XXXX 's bankruptcy hearing he testified that he owned the entire company. Another issue with the bank, despite knowing various subs had not been paid decided to release all but 10 % of the loan to him equalling over 37K. XXXX XXXX stated in an email, " I have spoken with my manager about the exhaustive number of inspections that you have requested, she and I Have agreed that we will not order another inspection but will release funds up to 90 % '' earlier in the same email she stated, 'It takes a lot of work for a number of people involved to complete an inspection and release funds. '' At the banks suggestion we agreed and the money was handed off to XXXX XXXX. That was the last we saw of him. The bank, in my opinion, was more interested in saving themselves work then protecting us.
In the end almost 100k was not paid out to subs, 5 liened us for approx 30K. We were forced to finish over 20 % of the house out of our retirement savings, another 70K and possibly more. Our foundation has significant cracks and a massive retaining wall is showing signs of failure.
At XXXX XXXX 's bankruptcy hearing we were told that it is common for builders to pay off their last build with money from a current project. We feel that XXXX XXXX failed to tell us about the other couple in order to get hers completed.
I have copies of all emails even one where XXXX XXXX stated she could not find another contract signed by us when in XXXX XXXX XXXX XXXX XXXX took over. SunTrust required us to pay off all liens and complete the home per contract. When they were, in our opinion, being a bit unreasonable with their demands and I complained in an email to XXXX XXXX about the advance and XXXX XXXX 's actions I was basically chastised for my tone.
In the end the last 10 % was released to us but it was far short of what we needed to finish the home and pay off the liens. Carpet, granite, appliances, all sinks and faucets, permits, drawings, painting, dry wall repair etc. plus hundreds of hours of work my husband and I were forced to do on our own. I know that I ca n't blame this situation on my husbands XXXX coming back but the stress did not help Not only, in our opinion, did XXXX XXXX lead us into this horrible situation but SunTrust failed to protect us. We are both in our mid XXXX 's and never built a home before.
XXXX & XXXX XXXX
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| 03/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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With the assistance of CFPB, we recently resolved CFPB complaint XXXX involving SunTrust Bank, XXXX, XXXX. On XX/XX/XXXX our mortgage banker for a new property acquisition informed us that one of the credit reporting agencies, XXXX, has not updated the inaccurate report. Please see the attached documents that verify the resolution and assistance by XXXX XXXX XXXX who made the online payment on our behalf in a timely manner.
To attempt to resolve the issue ourselves, at least ten phone calls were made to SunTrust Bank and XXXX on XX/XX/XXXX and XX/XX/XXXX. Each of these phone calls resulted in contradictory advice about how to resolve this issue. In summary, each entity : SunTrust Bank ( creditor ) and XXXX ( reporter ) stated that the other entity was responsible for this error and would need to contact the other to resolve it. At one point, XXXX suggested that a conference call with SunTrust Bank would help take care of this issue. When SunTrust Bank was contacted, they were unwilling to have a conference call and no supervisor was willing to provide an employee identification # concerning this denial of service.
[ Please note : it was suggested to us that we request a United States supervisor of SunTrust Bank. This indicates that they are using an offshore customer service provider. While this is standard practice, it is the best explanation for SunTrust Banks refusal to address the issue we are attempting to address. We were not successful at reaching a United States supervisor who was willing or able to assist us re : this matter. ] As this dispute directly relates to the closed Consumer Finance Protection Bureau [ CFPB ] complaint listed above, we request CFPB intervene again on our behalf. There is apparently a phone number, not available to the consumer, that needs to called to directly address the correction according to XXXX, yet SunTrust is unwilling to, or their customer service is unable to, access this confidential phone number. XXXX assures us that they have this number as one of their account creditors.
We are now involved in a time-sensitive issue ; we are attempting to close on a new property acquisition and our contractual agreement is off by {$25000.00} due to this reporting error on our XXXX Credit Report. This was communicated to us on Thursday, XX/XX/XXXX, when we were informed by our pending new mortgage lender that the XXXX report has not been corrected to reflect the resolution supported by the attached documentation. We may have to begin the loan process over or lose the opportunity altogether, which may lead to accelerated liability if we are denied this transaction because of a lack of compliance and reporting accuracy on the part of SunTrust Bank and XXXX respectively. Please help us fully expedite this dispute resolution.
[ Please note : there is an additional minor dispute already filed with XXXX at this time. During one of the many calls to XXXX, my wife learned that her last name is spelled incorrectly and her birth date is incorrect as well. Do not confuse this current XXXX dispute with the complaint we are addressing here. ] Finally, once this is resolved, may we also be assured that any and all references to disputes of our credit reports involving all three reporting agencies are removed from our credit reports? We do not wish to have them listing an existing dispute. This may lead to inferences made that we are attempting to manipulate the system in the process of correcting the error SunTrust Bank originated back in XXXX of XXXX. We made every payment to SunTrust Mortgage as agreed or paid more than was due on the monthly installment over the entire loan agreement. And we wish to thank [ CFPB ] for your support to correct this problem.
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| 02/16/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Since XX/XX/XXXX, I am XXXX. XXXX ) In XX/XX/XXXX we became a XXXX XXXX with 31 years of no blemishes, a flawless organization with our banks, IRS and other community organizations. On XXXX/XXXX/XXXX, I did something I had done since banking, my husband asked me to deposit his {$30000.00} retirement check into the above organization 's Suntrust account since XXXX % of the money would be used for the ministry. He has always been a major contributor to the organization. Making deposits into the business account from my husband had never been a problem in the past ; therefore, we did n't think anything about making the deposit. .We had never deposited such a large amount but it never occurred to us that the amount made a difference until the bank 's representative told me the amount was too much for us. We also received a letter ( see attached ) from Suntrust stating the amount was too much. I was always told that you could deposit a personal account into a business account but not a business into a personal. The next day I called the bank to see why it had not been posted, a customer service called to verify the check and told me it had cleared and would be available within 15 min. ( See the attached withdrawal and deposit into XXXX ) In between the time I made the next call, we got rid of the old beds ready to go and get new beds for our youth. After the funds were unavailable within one hour, I called back and was told I had committed fraud, my account would be closed out and they would see to it that I would never have another business account. I repeated my relationship with XXXX and the lady on the phone became even nastier. I was in pain, confused and floored. We had given away the beds and I needed medical attention. The more I explained it was my husband 's check and the urgency of the check, the angrier the lady got. By this time I was suffering with severe pain and furious to what she was saying. She said a certified check would be released in 16 days or however long the investigator wanted to release it. I asked if he could come and show ID the next day to pick up his check. She said NO. I could not believe what she was saying. Again, the more I explained the urgency of the check, the more she became nasty saying it would be released when they saw fit. My husband and I went in to speak with XXXX XXXX, VP at XXXX XXXX XXXX to show his ID and correct any misunderstanding. After making a call, she looked at us and said it was out of her hands. I had been in to speak with her on several occasions ; therefore, we knew it would be settled. I called XXXX XXXX XXXX from the executive office. He seemed to be very concerned until he made a call. He called me back and told me there would be no Certified Check given to my husband and he will not be able to pick it up. He was very cold when he told me that they did n't know when the check would be released, it could be up to two months. When my husband called, XXXX XXXX refused to speak with him. XXXX XXXX told him, he could not speak to him because his name was not on the account. After many telephone calls, I begged and pleaded for him to release the check. XXXX . XXXX seemed to toil with our need. Our situation became XXXX and a joke to him and we knew that he was going to make sure we would not get the check for XXXX. Each time, he came up with a new reason why he could not get the check released. XXXX XXXX told me he was holding the check and until after he was able to force close my account out. stating the account was closed ) He could not close the account until he made sure that no checks came in on the fraudulent account. If any checks or withdrawals came in, they were going to take XXXX 's fraudulent check to pay them.
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| 07/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Over XX/XX/XXXX Weekend I discovered my driver 's license was missing. At the time, I thought I left it a pair of pants that I had on earlier that morning. It was the following business day that I went to use my XXXX card for the purchase of some material when I realized that the XXXX card was missing as well.I called it into the bank and they ran down a list of charges that were fraudulently made at various places, I immediately let them know what was accurate and what was fraudulent. On Monday, I went into the bank and they gave me a printed report of all the charges that were made to the corporate card. My partner called the various venders where the bank card was used and she was able to pinpoint where and what time the card was used at vendors. The perpetrator, was caught on film at an XXXX Stationa XXXX male XXXX was caught on surveillance tape using the bank card as was his car. Within hours of my partner identifying the thief we called the bank and spoke to XXXX XXXX our banker. We also spoke with the bank protection services and told them what she had found. As soon as I left the Bank, I immediately filed a police report. The officer came out to my house to take my statement. He was able to provide a case number to me immediately. He also informed me that he will be investigating this matter and will keep me apprised of the progress to date. He let me know it takes approximately 7-10 days for the actual report to be made available for release. Upon the officer leaving me with the case number and the time frame for the report, I immediately contacted Suntrust Protection Services. At that time I gave them the case number for the report the officer made. Suntrust informed me that once the report was available to fax it to them. The police report was ready for me to pick up on Tuesday morning. I was informed on Monday by my partner, that the bank had made a decision regarding my dispute on Friday.They had denied my claim of fraud against my account. It was the most victimized I have felt since this entire incident took place. How can Suntrust deny the claim when they have not even reviewed the evidence or the police report that was taken? Not once did they call and inform me that they had concerns regarding the validity of my claim. Not once did they give me a chance to remind them of the police report, or the XXXX male XXXX caught on camera using my corporate card. Once I had the police report in hand I walked into my Suntrust Branch and gave my banker the report, my banker informed me that there was nothing he could do as my fraud dispute was denied. He also asked me why it took so long to get a police report from the police. I informed him that I had no control over how long the police took to make the report. He informed me that I would have to wait to receive a letter of denial and I would have dispute the banks decision. The police have a copy of the thief on tape in the act of using my business card, in locations I have never frequented before. I have been violated and treated as if I were the criminal! The fact that the bank was given the case number of the police report, and was informed that the thief had been caught on tape using my card, took the action of denying my claim is beyond comprehensible. It continues to amaze me that Suntrust can even operate in this capacity. I will be taking this to the XXXX, just to let them know the actions that this enormous financial institution has taken against a woman XXXX.It is just a horrible thing that such a large company can completely debilitate a XXXX such as ours. In addition, Suntrust has not only found a way to NOT support the verified fraudulent transactions but has denied to assist any further.
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| 02/23/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I'm a young senior and have excellent credit. In addition to this Suntrust decade old home improve. loan ( XXXX XXXX ), I also have had a perfect payment record on my 20+ yr old mtg. held by another bank. In early XX/XX/XXXX I opened a Suntrust account when I was attending XXXX school through XXXX XXXX. Suntrust allowed the account to be permanent after obtaining my degree. In XX/XX/XXXX, I applied for a home improvment loan through Suntrust. I was impressed by the very easy online process and was told that my loan interest rate would be reduced by a % of a point if I had the payments automatically deducted from my Suntrust checking account. As with my other banking accounts, I requested and received bounce-proof option on the account up to {$500.00} which was subsantially higher than my loan payment. However, several times over the 11 years that I've had the loan, Suntrust has not only failed to pay the automatic XXXX XXXX payment but added late fees and return check charges. The first time that this occurred, I called and was told that I did*not have bounce protection and that I would have to go to the bank in person to add that option. When I arrived at the bank branch I was told I *did have bounce protection. I demanded that the late fee be then removed on my XXXX XXXX acct. Instead, the fee was left on the account but not automatically deducted from my suntrust bank account even though there were sufficient funds available to pay it. However the manager refused to waive the charges resulting from the returned items that should have been covered by bounce protection. After that experience I rarely used this Suntrust acct as I received better service from my other banks. I continued the acct for only the supposed % discount on the loan. The final straw was after I accidently wrote a deposit into the account with a Suntrust check instead of my main bank account. I noticed when I checked the online deposit and the balance showed negative. I called the bank and they informed me of my error. I laughed, apologized and immediately corrected it by depositing a check from the correct bank. Then I began several weeks later to receive rude calls from a '' call center asking for information about me and my account. This occured at my place of employment. When I checked my account I noticed that not only had they charged me a return fee which was to be expected for my error ( {$36.00}. ), but they did not activate the bounce protection and pay my loan payment. My checking account therefore reflected the positive funds amount that would have coverered my loan payment, less {$3.00}!! With a {$500.00}. bounce protection, my payment should have been automatically transferred/crediting to my loan acct. In addition, they added a late fee to my loan account - which would not have been late, had they transferred the payment from my account utilizing the bounce protection feacture I'm supposed to have!?
Instead, their lazy employees bother me and threaten my credit. No wonder they are having to close branches of this bank! I am providing documentation reflecting that in fact my account has had bounce protection since XX/XX/XXXX and that this bank has intentionally failed to provide these contracted account features in order to churn up fees for the bank at a detriment to me. Any savings on the loan are cancelled out by the aggravation, lazy Suntrust employees have dealt out. I'm sure I'm not the only unhappy customer, but it's not right or acceptable regardless of whether they are on the way to going belly up or not. Better customer service would have saved them. I won't even bother to describe what expereince I had attemping to get foreign exchange from this bank.
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| 02/13/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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I filed a CFPB complaint against Suntrust Bank last year and the case number is # XXXX. Suntrust responded that they were not attempting to collect an old debt from me at all, However XXXX XXXX XXXX, XXXX filed an court order to aggressively collect an alleged debt from me without validating the debt was mines and they are currently garnishing my wages. The alleged debt that XXXX XXXX XXXX, XXXX is any old debt from 2009 from Suntrust Bank, which appears to be outside the statute of Limitations to even be collectable. Futhermore XXXX XXXX XXXX XXXX XXXX has not proved the stature of Limitations has not expired on the old account with Suntrust Bank. according to FDPA Act, 15 USC 1692g Sec. 809 that I have a legal right under that title and section to request for VALIDATION to provide me with competent evidence that I have any legal obligation to pay you.
Please Provide the Following : Provide proof that the Statute of Limitations has not expired on this account Please provide all of the following information and submit the appropriate forms and paperwork within 30 days from the date of your receipt of this request for validation.
Name and Address of Alleged Creditor : ______________________________________________________ Name on File of Alleged Debtor : _____________________________________________________________ Alleged Account # : _____________________________________________________________ Address on File for Alleged Debtor : ____________________________________________________________ Amount of alleged debt : _____________________________________________________________ Date that this alleged debt became payable : _____________________________________________________ Date of original charge off or delinquency : ___________________________________________________ Was this debt assigned to debt collector or purchased?
____________________________________________ Amount paid if debt was purchased : ___________________________________________________________ Commission for debt collector if collection efforts are successful : ____________________________________ Please attach a copy of the agreement with your client that grants ( XXXX XXXX XXXX, XXXX ) the authority to collect this alleged debt in my state.
Also, please attach a copy of any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector.
Please attach a copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor.
Please attach copies of all statements while this account was open.
Have any insurance claims been made by any creditor regarding this account? YES or NO ( circle one ) Have any judgments been obtained by any creditor regarding this account? YES or NO ( circle one ) Please provide the name and address of the bonding agent for ( XXXX XXXX XXXX, XXXX ) ______________________________ ______________________________ ______________________________ Authorized Signature For Creditor ______________________________ Date You must return this completed form along with copies of all requested information, assignments or other transfer agreements, which would establish your right to collect this alleged debt within 30 days from the date of your receipt of this letter. Your claim can not and WILL NOT be considered if any portion of this form is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. Please be advised that I will be reporting your law office to the Georgia State Bar association
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| 09/29/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I am an existing Suntrust Mortgage customer, with an 6.5 % interest FHA loan, Originated XX/XX/XXXX. This loan is current and in good standing.
Based upon my desire to secure a lower interest rate and upon receiving multiple solicitations ( both paper mail and through email ) from Suntrust to refinance, I contacted their office XX/XX/XXXX to initiate a refinance.
Since that time, I have been round and round with their staff to refinance. I have been provided multiple documents with a proposed loan, signed applications, provided requested documentation, took a vacation day to meet an appraisal person, and they will promise we are going to close " this month '', but they always come up with a reason we can not close.
They have made multiple hard credit score checks, that I have not approved and that have lowered my credit score.
I provided a credit card number for the initial credit check, XX/XX/XXXX. They stored my credit card in their system and without approval, ran the {$450.00} fee for an appraisal against that card, without my approval or discussing anything with me.
My appraisal was completed XX/XX/XXXX, but I was not provided a copy, until I demanded it last week. ( Received it XX/XX/XXXX ) Obtaining an appraisal took several weeks, as the appraisal person, lived XXXX miles from me and had limited availability. I requested a different appraiser, but was told that I could not change. I was told that we could close by XX/XX/XXXX, if they completed the appraisal by XX/XX/XXXX. So, I took a vacation day ( XX/XX/XXXX ) to meet the gentleman. Then they would not return my calls.
I escalated that occurrence and was told by their " manager '' that I could close by XX/XX/XXXX. When I told them I would be in XXXX for the last 2 weeks of XXXX, I was told by their " manager '' that they would have my closing documents sent to me out there somewhere. Then no returned calls. Upon my return from vacation, that manager was no longer with Suntrust and the processor would not return my calls. XX/XX/XXXX, I was finally able to navigate their phone system to get transferred to that person 's replacement. She then told my mortgage was " on hold '' because my appraisal came in low ... that it had been on hold since XX/XX/XXXX. She was sure that they had talked with me about this. Instead, they had continued to talk about closing and occasionally ask for additional documents ... Like XXXX from 2 years back. The appraisal was completed in XX/XX/XXXX and I have email communications around closing the loan, during the 3 months after the appraisal.
This week, after I escalated it again. After getting yet another manager, I was presented with their plan to restart the process, that I needed to resign an application, and they needed my documentation again ... Driver 's license, home owner 's insurance documents, bank statements. I have email communications ( x4 ) that they have this information.
They also told me, that I was looking at a timeline of at least 30-45 days, before they could close on this refinance.
They have also connected me with their so called escalation department and provided me with a case number # XXXX. I spoke with the representative there today and was told that they would be back in touch with me in 14 days. However, they ca n't really do anything for me, except tell me what has happened. I know what has happened.
Suntrust is doing everything possible to keep me from refinancing my loan. they have lied, lowered my credit score, and delayed my ability to refinance. Most people are probably intimidated and just give up and keep the loan at a higher rate. They benefit from keeping me at a higher rate, with a higher payment.
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| 01/30/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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XXXX I am filing this complaint because : 1. I was not given an address or expected monthly payment date of the HELOC during the closing at the XXXX Suntrust Bank location 2. I was given the run around in attempting to find out why the account remained frozen 3. The number I was given to pursue the issue was for the " Home Retention '' department at Suntrust and I fear that I was intentionally misdirected in my search for answers so that Suntrust could foreclose on my home 4. I was not informed that the account would be closed based on my answer to the question, " Do you feel the bank was at fault in this situation? '' 5. The closing did not take place at a title company in which payment details would have been discussed 6. I was not informed that paying the HELOC by credit card is actually a cash advance from the credit card and not simply a payment against my credit card On XXXX XXXX, XXXX I applied for a Home Equity Line of Credit with Suntrust Bank. I chose Sunstrust Bank because my mortgage is through the same bank. The process was completed the first week in XXXX and closing was at the bank location in XXXX, Virginia. The total amount of the HELOC was {$25000.00} of which I withdrew half. The remaining {$12000.00} remained at Suntrust.
I continued to pay my mortgage, of course, but never received a bill or statement for the HELOC, nor was the statement available electronically.
On or about XXXX XXXX, XXXX I received a phone call from a person that identified herself as a Suntrust Bank employee asking for personal information. I was distrustful of the approach and decided to inquire of the situation, ( as to why my personal information was requested by phone ), in person at the XXXX, VA branch office. On this visit I found that my HELOC was past due. I paid via credit card, the overdue balance and the next month 's payment. I was told that the HELOC account was frozen and would not be available for withdrawal for 72 hours.
About 3 days later I returned to the bank and was told by the teller that the account was still frozen. I was given a number to call to obtain more information. I was told by a customer service representative at that number that I was few hours off of the 72 hour deadline and to try again the next day.
Due to the holidays I was not able to try again until XXXX XXXX, XXXX. The account was still frozen on XXXX XXXX. I was told to wait another 72 hours.
I returned to the bank on XXXX XXXX, XXXX, the account was still frozen, at this time the mortgage processor attempted to gain information pertaining to the situation from the number that I was given previously. He was told that the account needed to be reinstated. I completed the reinstatement form, had it notarized and faxed from the XXXX location. I was told that it would take 7 to 10 days to complete the request.
I returned on XXXX XXXX, the account was still frozen, I was told to wait a couple more days.
I returned on XXXX XXXX and was told that the account was still frozen. At this point another XXXX branch employee attempted to gain information as to why the account was still frozen, this person also requested that the findings be relayed to me diraectly.
On XXXX XXXX, XXXX, I was told that the reinstatement form was not received by the bank, even though it was faxed by the XXXX location employee, ten business days previously. In this conversation I was asked if I felt this was a bank error, I responded that I was n't sure, and probably not, if the notice was lost in the mail. The employee responded that, because I did not state that I felt the bank was definitely at fault, the account would be closed and I would have to reapply for a new HELOC.
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| 02/13/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/2019 I deposited a check for {$18000.00} into my Suntrust business account. On XX/XX/2019 I was sent an email from Suntrust of a notice hold on funds. I tried to log into my Suntrust account and I found out that all three of my banking accounts had been closed. I called the online Suntrust banking service and they wouldn't tell me anything. I went into the Suntrust XXXX XXXX branch and XXXX XXXX couldn't tell me anything. I began calling Suntrust over the next several days and couldn't get an answer from Suntrust online banking or the Suntrust XXXX XXXX branch. I was told XXXX XXXX from the XXXX XXXX Suntrust branch was out of the office. Finally the online Suntrust banking department and XXXX at the Suntrust XXXX XXXX brance told me they were waiting till XX/XX/XXXX for the deposit I made to clear and then an additional 5 days for any transactions I may have made to clear. XXXX and the Suntrust online department said I would be receiving a cashier 's check for {$15000.00} through the mail. I called XXXX and told her I wanted to pick up cashier 's check and she said it would have to be mailed. I told her I needed to change my mailing address and she said it was too late but she was able to make the change. I called Suntrust online banking around Friday and the guy who I spoke with told me I was no longer going to get a reimbursement. No one at the XXXX XXXX branch would give me any info or discuss what was going on. I then starting calling until I could reach XXXX. No one with Suntrust online banking or at the branch would tell me anything or discuss anything with me. XXXX told me to come back on XX/XX/XXXX and she would explain everything with me. When I got there XXXX told me to have my client have their bank file a reclamation claim. I asked XXXX to explain what a reclamation claim was and she couldn't. I asked XXXX ( XX/XX/19 ) to explain the consequences of the claim and how it works but she couldn't. I called XXXX XXXX at the XXXX XXXX location and talked with her today ( XX/XX/19 ). She said she would file a complaint but couldn't verify my identity. I told her to hold on while I drive to XXXX XXXX Branch and get XXXX on the phone. XXXX said she had to go deal with a customer. I went to branch and XXXX wasn't there so I talked with XXXX XXXX. XXXX text XXXX to come to branch. I asked XXXX to call XXXX and he did and left a message. XXXX called back while XXXX and I were in XXXX 's office, I asked XXXX to put me on conference call and XXXX asked him if that was me she heard asking to be put on line and he said yes. XXXX would not put me on conference call with XXXX after I made repeated requests. I then got in car and called XXXX and she didn't answer. I left XXXX a message telling her XXXX wouldn't put me on the line. XXXX didn't return my call. No one will tell me what's going on or discuss anything with me. The closing of my account has left me broke, caused my email to be shutdown due to nonpayment, XXXX payments not made, rent is past due, car payment is past due, car insurance payment has been declined, XXXX ad declined and I have been locked out of my storage unit. I need to rent a truck to delivery jobs. I need to pay for furniture and delivery to clients. I need to pay bills. I have been left without means to run my business and feed myself. No one at the bank will tell me why they have closed my account and cashed my deposit. I have been contaced my a client 's attorney to refund their money. Client tried to cancel check but Suntrust has already received funds and therefore my client can't get reimbursement. I told XXXX and XXXX today XX/XX/19 that I was filing a complaint with the Federal Reserve.
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| 03/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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SunTrust Mortgage miscalculated my escrow account and as a result they were showing I had a {$13000.00} shortage in my escrow account. Because of this error they calculated my monthly mortgage payments including escrows to be {$3800.00} instead of the roughly {$1800.00} monthly payments I had been making. ( More than double my previous monthly payment ) After my husband reviewed the escrow analysis, he discovered SunTrust Mortgage had paid the wrong amount for taxes to the XXXX County taxing authority. This error in payment by SunTrust created the shortage in my escrow account. After discussing this with a representative from the Mortgage Company, they acknowledge this error on their part, and I was told they would get a refund from the county for the over payment in taxes and recalculate my mortgage payment to the correct amount.. We asked the representative of the Mortgage should be just make the previous payment or wait until we received a revised statement. The bank representative advised us to wait until a revised statement was issued and then make the payment shown of the new statement. We were further advised that the bank 's records would be notated and no collection efforts would be made because it was the bank 's error and without a revised statement there would be no way for us to know what payment we should make. Needless to say it took the mortgage company two months to straighten this mess out, and in the meantime collections calls and notices were being received indicated we behind on our loan, and the monthly payments were still been shown as {$3800.00} per month. At this time we again contacted the mortgage company and the individual who represented himself as a Supervisor in the Customer Service department reviewed our account and verified that the bank indeed had made the tax payment in error but they had not recalculated our escrow account and changed or monthly payments to their correct amount. At this time he advised us that we would get back to us within 24 hours to let us know when the the correct statement would be sent to us. This was on a Friday, and the following Monday we did receive a call from this individual advising that the revised escrow analysis had been completed and we should be receiving it in a few days.
Latter on that same day we continued to received collection calls and notices. We called back to the bank and ask them to discontinue these harassing calls, especially in light of the fact SunTrust is the one who caused this error. I was then told they could not stop the collections efforts. On Thursday of this same week, we received the revised statement showing our true monthly payment to be {$1800.00} instead of the {$3800.00} the bank had previously indicated was our payment amount. Two business days after receiving a corrected statement, all correct monthly payment were made to SunTrust. On that same day we received a notice from SunTrust that our mortgage was in default. Upon contacting the bank yet again, we were advised that derogatory information had been submitted to a credit report agency showing that we were delinquent on our mortgage loan.
Corrective Actions required : SunTrust should immediately correct any derogatory information submitted in regards to my mortgage loan. Secondly senior management of SunTrust should provide a written apology to myself for the lack of competence the company has displayed in regards to this matter. Thirdly, steps should immediately be taken at SunTurst Mortgage to ensure that when SunTrust makes errors regards a customer 's monthly mortgage payment, all collection efforts should cease until such time as SunTrust corrects the problem.
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| 07/15/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have been working with SunTrust Mortgage towards a closure date of XX/XX/XXXX ; however, I was notified on XX/XX/XXXX that I was denied by the underwriter for not providing the requested information in time.
Unfortunately, I was not aware of the specific information, any time deadlines, nor the requirement for the information at any point along the way. The additional information centers around details from my previous lender on an existing mortgage were I was granted forbearance as I was a flood victim from National Disaster resulting from Hurricane Irma in XX/XX/XXXX. I have not been able to return to that property and currently live in rental which is not covered by insurance nor FEMA. I provided what information I was provided my me lender in writing early in this process, and it was not flagged as an initial when I was granted my initial loan committment letter from the underwriter on XX/XX/XXXX.
On XX/XX/XXXX I sold my old property and the lender was paid in full. On XX/XX/XXXX, I was asked to request more specific information about the loss mitigation program and the forbearance granted to me.
Email from Loan Officer on XX/XX/XXXX : " Just giving an update they are still looking into the guidelines they have the loan payoff for the property you sold I did get your voice mail about getting a letter from the mortgage lender stating that you were not behind on your payments which can strengthen the underwriters approval. Let me know if the letter can be sent. '' Email from Loan Officer on XX/XX/XXXX with a bit more specifics on content, but no timeline : I got an answer from the underwriter and she stated we need documents on the Forbearance the day you contacted the lender the date they approved you for it and for how long also the CD for the sale of your property and the deposit of the funds with this they will be able to proceed with the loan I will be out of the office until Friday but still have access to email so if you have questions please let me know.
I formally requested this information and pressed my lender daily until I received the response and immediately provided to my new lender on XX/XX/XXXX @ XXXX.
The loan officer informed me around XXXX of the same day that the underwriter denied my loan. He further explained that the denial was on XX/XX/XXXX and that he was already starting an internal complaint on my behalf stating I didn't do anything wrong and provided information when it was requested. Based on this information, we were able to convince the seller to extend the contract until XX/XX/XXXX in hopes of a timely resolution ; however, my loan officer emailed me ( sadly, no call ) after calling the title company explaining they decided not to re-open the loan.
I was unable to get a hold of the loan officer with any answers as he was not answering nor returning calls in a timely manner based on the events unfolding, so I immediately reached out and engaged my local branch office. It was late Friday, so they were only able to send emails and note the account for escalation. I will be re-engaging on Monday in hopes of timely resolution.
I believe the SunTrust Mortgage company has failed me, I am a good long term customer, with great credit, and a great loan applicant. Specifically, I believe my loan officer failed to communicate and work issues in a timely manner and I have been denied as a result of their mistakes. My desired outcome is for my loan to be re-opened so I can close immediately and not lose my home as the seller is extremely upset and barely agreed to sign the extension.
Your time and assistance would be greatly appreciated!
Thank you in advance, XXXX XXXX XXXX
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| 12/01/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Re : SunTrust Wrongful ForeclosureVictims : XXXX XXXX XXXX and XXXX XXXX XXXXForeclosed Property Address : XXXX XXXX XXXX XXXX XXXX - XXXX, WA XXXXLoan Numbers : XXXX Mortgage XXXX XXXX Mortgage XXXXIn XXXX of 2009 we applied for a Home Loan Modification through Sun Trust Mortgage due to a family tragedy that occurred in XXXX 2009. We were caught in a legal battle for our son and granddaughter, which consisted of XXXX court cases, which depleted our savings. In XXXX 2009 SunTrust Mortgage sent us the Home Affordable Modification Trail Period Plan Agreement requesting we pay {$1500.00} for 3 consecutive months starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Within the same month we received another Home Modification Trail Pay Plan Agreement requesting we pay {$1600.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. We called SunTrust and asked why we had received XXXX different pay plan agreements. They told us it was an error and to toss the {$1500.00} pay plan XXXX pay the {$1600.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Two weeks later we received yet another Home XXXX XXXX Pay Plan Agreement to pay {$1900.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. We called SunTrust XXXX asked why we received a third Home Modification Pay Plan Agreement requesting us to pay {$1900.00}. We explained to them that the payments were too high. They stated that their representatives made errors in calculating the Home Modification Trail Pay Plan Agreement and that the amount we needed to pay was {$1900.00} starting XXXX XXXX, 2009 - XXXX XXXX, 2009. Upon paying the final payment in XXXX XXXX, 2009 we received the final Home Loan Modification Agreement Payment Plan documents, which were received mid XXXX 2009. The payments were now {$2400.00} with an escrow payment of {$370.00} totaling {$2800.00}. Our XXXX mortgage was modified as well with SunTrust under a separate XXXX XXXX XXXX XXXX for {$150.00}, bringing our monthly notes to {$3000.00}. We questioned SunTrust as to why they did n't combine the XXXX and XXXX mortgage, and why did n't the payment stay at {$1900.00}. We thought the XXXX, and XXXX mortgage plus escrow were combined would have totaled {$1900.00}. SunTrust told us the terms of the agreement were final and that if we could n't pay it we would need to vacate the property. We tried calling SunTrust on numerous occasions to discuss the inconsistencies surrounding the new terms. No one called us back. We continued to call them for several weeks, but they declined from speaking to us. On XXXX XXXX 2009 we found a Notice of Default on our door. We received a call from XXXX XXXX of XXXX XXXX XXXX XXXX. He explained that we needed to vacate the premises by XX/XX/2009. We moved out XXXX XXXX, 2009. We were in " total shock and dismay '' about the loss of our home. Not only did we lose our home, but also were going through a family crisis and financial hardship. We had to borrow against our XXXX in order to come up with the XXXX, last and deposit for our new rental home. We were n't able to get all of our belongings out of our garage, so we left a message for XXXX XXXX stating that we would get the remainder of our belongings after the Holiday season. XXXX left a message on our phone telling us that our items were removed and that he did n't know where they were. We never seen or heard back from XXXX XXXX after our initial encounter with him.
We 've shared our misfortune with several Attorneys ', but they expressed that trying to go up against SunTrust Mortgage on an individual basis would cost us thousands and we probably would n't win our case because we did n't have the finances to go up against SunTrust Attorney 's.
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| 03/30/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I made {$800.00} worth of charges for goods and services to the website XXXX on XX/XX/2017 using my SunTrust Debit card. The charges were authorized by my bank, SunTrust, and goods and services were rendered. The charges appeared immediately in my account as pending charges, with the proper holds put on the funds. Almost two weeks later, I got a notice by email from my bank saying that my account was overdrawn. I checked my balance, and the account was overdrawn by - {$1100.00} ( including overdraft fees ). I immediately noticed that I had {$800.00} worth of new charges from XXXX, and that they were all processed as " recurring '' charges on the dates of XX/XX/XXXX and XX/XX/XXXX, causing my account to overdraw. I filed a fraud dispute with Sun Trust, as I did not authorize any new payments to XXXX. In the meantime, after examining my transaction history, I realized that that these charges were the SAME charges that were pending almost two weeks prior ( with PLENTY of money in my account to cover the charges ), and that for some reason they were not completed - they simply disappeared. Therefore, almost two weeks later, XXXX reattempted the charges ( under a different guise ; " reoccurring check card purchase '' ), and my bank immediately processed them. I spoke with a fraud representative named XXXX today, XX/XX/XXXX. He asked for a statement, and I simply told him that I did not authorize any new charges and that I did not authorize a " recurring payment '' to XXXX. He then mentioned that it appears that these charges were attempted on XX/XX/XXXX ( as I had discovered myself in the course of the investigation ), and that I had authorized them by " implied consent '', making them valid transactions. I immediately asked him why the initial charges were authorized - with pending holds on my funds- yet were not completed. I also asked him why the charges were then authorized again without my consent, overdrawing my account, and costing me {$360.00}. I told XXXX, that if I do indeed still owe XXXX {$800.00}, then that is fine with me ; I pay my debts ; I am not trying to take advantage of anyone. However, this is not the job of SunTrust and this still does not explain why these charges were not processed until a second attempt was made, and after I no longer had the funds available to cover them. Furthermore, I had DECLINED overdrafts on my account to be processed at the time Sun Trust fraudulently authorized these charges when it was convenient for them to collect {$360.00} from me in overdraft fees. I told XXXX that Sun Trust has no authority to act as a collection agent for XXXX, especially when I have not allowed overdrafts on my account, especially when they charges were authorized almost two weeks before, and ESPECIALLY when bank error is the reason that they were not approved. I told him that although I strongly disapprove of their nefarious and illegal methods of obtaining the funds, I find it even more fraudulent and illegal that they would try to collect overdraft fees from me when it was their mistake that the charges were not processed initially. I then told XXXX that I want my overdraft fees back at the bare minimum. In short, he told me that he could not help me, and only my local branch could reverse the overdrafts. I went to the branch immediately, and they pointed the finger back at XXXX/Fraud Department saying that they are the only ones who can help me. Nobody at Sun Trust wants to take responsibility for what happened and are blaming me. I have documented evidence backing up every statement within this complaint. I do not feel that ANY of these charges are legitimate charges.
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| 08/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I contacted Loan Officer XXXX XXXX with Suntrust Bank through a recommendation from my realtor regarding a mortgage application. I advised XXXX that I in the process of getting my home ready to be sold and I just wanted to know if I need to apply now for a new mortgage/preapproval or should I wait. XXXX suggested that I wait until I was getting closer to selling my home.
I contacted XXXX about a month later advising that I had an offer and closing date for my home, and that I was in the process of looking for a new home.
I completed the online application and provided all of the requested documentation to XXXX XXXX statements and pay stub information ). XXXX advised me then that he would be out of the office for a period of time ; however, my application would be left with his Manager to continue with the process.
Before XXXX XXXX left, I was able to find a home, put in an offer, and set up a closing date XXXX XXXX XXXX XXXX for the sell of my home and the purchase of the new one ).
After the application was processed, I received a hard copy of the application that I needed to sign and return to the XXXX VA location. I sent back the information and was advised that I needed to clarify some details on an inquiry on my credit report and I needed to provide my payment details for the appraisal and the credit report fee. I provided all of the information and was advised that I would contacted if anything else was needed.
I was then contacted by a new person XXXX XXXX XXXX XXXX advising that the process was going along fine and if anything else was needed, she would contact me. She also advised me that the application would be forwarded over to the underwriter for review.
A week before closing, my realtor asked me to check on the progress of the loan to make sure that it was on track for the XXXX XXXX, 2015, closing. XXXX XXXX then advised me that it have not been reviewed yet, and that she would send it over to a new underwriter for review.
On Wednesday XXXX XXXX, 2015, I was advised by XXXX XXXX that my application was just now being reviewed and that there was an issue with my debt to income ratio.
Not anytime before this was I advised of an issue, and nothing had changed on my credit report.
Fast forward to XXXX XXXX, 2015, and I closed on the selling of my home ; however, I was unable to close on the new home.
After further review and much back and forth between myself, my realtor, and XXXX XXXX, I was advised to pay down and pay down a few items and then I would qualify for the loan.
After I close on the selling of my home ( XXXX XXXX, 2015 XXXX, I received an email stating that I was conditionally approved for the loan, but additional information was needed, contrary to what I was advised by XXXX XXXX.
I ended up being able to close on XXXX XXXX, 2015 ; however, I had to stay in a hotel and my son had to stay at another location, as we did not have a home to go to due to the issue with Suntrust Mortgage.
I incurred over {$700.00} in fees from the XXXX that I had by items stored in, as well as hotel fees from having to stay in one for 2 weeks.
I have the home now ; however, my issue is the reasoning behind my application not being reviewed until 2 days before my scheduled closing that was made know from the beginning, and the extra money that I had to pay out of pocket.
The bank ended up waiving some of the fees for the loan and even returning the appraisal fee, but that is just a dent in the bucket for the other fees that I had to pay out because Suntrust dropped the ball on the matter.
I have email proof of the back and forth and information that I was advised if needed.
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| 05/06/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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This is my XXXX attempt to rectify my mortgage situation with SunTrust. ( Please refer to Case number : XXXX and Case number : XXXX ) I am beginning to think they deliberately want to foreclose on my house. My last complaint was addressed by someone from Suntrust who said that if I could provide proof that my payments were not returned because of an error on MY bank 's end, they would revisit the situation. I have provided proof AGAIN and still I have received nothing. In fact, I have discovered that my electronic payments were in fact returned by SunTrust because at the time we made them, we were in loss mitigation and apparently, they hold payments. This was not communicated to us -- rather we were told by several people that we had not made the payment or that it was something our bank had done. This is very shady -- who " holds '' payments? Now, I have taken us out of loss mitigation because it is going nowwhere and asked for the payments they have been holding be applied to our account and I receive a check for {$270.00} that ca n't be applied to my account. Never have I come across a situation where someone is trying to make their payments and their institution keeps denying or sending them back -- and when we call, noone seems to know what is going on. No wonder the lending industry is in a mess. I am attaching several documents -- these show that we made our mortgage payments in XXXX and XXXX of XXXX and that our bank ( XXXX XXXX ) sent us correspondence that the payments had been returned because of an invalid account number. ( Please note that the account number and address these payments were sent had not changed on our end -- same as we had been sending and the same as on our statements ). This is where we found out that our payments were mysteriously being held and not applied to our account, but none of the numerous people at SunTrust that we spoke to back then would inform us of this. Also attached is the letter we sent in XXXX XXXX requesting information under Section 6 of RESPA as to why our payments were returned and we included proof from our bank that the payments had been returned by SunTrust. We included a money order for the mortgage payment ( now 30 days behind due to the incredibly confusing and deceiving practices ). Again, in XXXX our paper check was returned -- when we called, this is when we were finally told that our payments were being held and unless they were for the full amount, would not be applied. But, after I filed a complaint through CFPB, I miraculously received an email that this had been in error and would I please call my home preservation officer to make payment immediately over the phone. Ha!!! How ironic -- when all this was going on with the previous returned payments and I wanted to make a payment over the phone, I was told this was not possible. The last document attached is correspondence I just received yesterday with a check for who knows what -- I removed our loan from loss mitigation and this check is for some small amount that can not be applied to our loan.
I am sure this must sound very confusing and convoluted to you and that is because IT IS!!! We are educated people with XXXX and we are thoroughly bamboozled! We do n't know what we owe, what we 've paid, what is late or what has really been applied. It is a nightmare. SunTrust has racked up thousands in late fees since XXXX and ruined our credit that we have worked so hard to improve ... and all because they returned ( but, wo n't admit they did ) our mortgage payment in XXXX, XXXX. Up until then, we had NEVER missed a mortgage payment and have had our loan since XX/XX/XXXX.
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| 07/26/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Customer service at suntrust XXXX!!! They are scammers and liars who have absolutely no business being responsible for other peoples money!!! I have several questions that Ive been trying to get answers to for YEARS and suntrust has blatantly and repeatedly ignored my questions. COMPLETELY UNACCEPTABLE!!! I ask the questions because I deserve to know whats going on with my mortgage account and I expect customer service! 1. Why did a supervisor NEVER call me back XX/XX/XXXX when I was told one would in 72 hours? 2. Why is my statement ALWAYS wrong after I pay the escrow shortage? 3. Why was I told last summer that the problem had been fixed and I would receive a CORRECT statement after I paid the escrow shortage? Why was I lied to AGAIN?? 4. What is going to be done in the future to prevent this from happening again? 5. Why is my escrow short every year?? This is not a problem I 've had with other mortgage companies. 6. Why was I blocked from posting on XXXX even though I did NOT use any profanity as suntrust claims?? I simply told the TRUTH about being LIED to. 7. Why does customer service at suntrust XXXX?? I should not have to file complaints with XXXX different agencies to get customer service and even then I still have not gotten the information I 've repeatedly requested. The idiots at suntrust are now trying to charge me a late fee for my payment in XX/XX/XXXX. Thats XXXX!!!! They sent me wrong statements for 2 MONTHS and when I tried to make a payment online ON THE DUE DATE, the website would NOT let me make an additional principal payment. I sent an email through the website asking why I couldnt make an additional principal payment ( as Ive done every month for 4 years ) and while the auto response said I would get a response within 2 business days, its been over 3 MONTHS and Ive NEVER gotten a response. COMPLETELY UNACCEPTABLE!!!! Since I could not make a payment online and no one would assist me, I mailed my payment. If they were not so disorganized and unscrupulous in sending me incorrect statements repeatedly, my payment would have been on time as it has always been in the past. I should not have to pay a late fee for a perpetual problem created by the incompetent employees at suntrust and I want it removed from my account IMMEDIATELY! Severable months ago I had a voicemail from someone named XXXX who failed to provide his last name but claimed to be calling from suntrust. His voicemail did not say what he was calling in regards to but I have no desire to call someone who is seemingly named after a terrorist organization without having more information. If this is really a suntrust employee what is his FULL name?? What is his direct contact information?? What was he calling in regards to??? Why did n't he just provide the information in the voicemail??? On XX/XX/XXXX, I had another voicemail from another unidentified suntrust employee. She failed to provide her name at all, but knew mine and she failed to state why she was calling. Her voicemail told me to call back. Who am I supposed to be calling??? In reference to what???? I do NOT want these people calling me if they are NOT going to provide their FULL NAME ( FIRST AND LAST ) and their DIRECT contact information. This is completely unprofessional!!! How do I finally get answers to my questions and customer service from suntrust and XXXX XXXX??? I 've been trying unsuccessfully for 4 years and it 's completely unacceptable. These idiots have no business being responsible for other people 's money!!!!! And I do NOT want them handling my mortgage anymore!!! Its time for them to sell it to a REAL mortgage company!!!!
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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On XXXX XXXX 2017, I contact ed SunTrust to inquire if we were eligible to have our PMI removed. I was advised we have had our loan for over 2 years and have excellent payment history, but currently did not meet the 80 % /20 % LTV required to re move the PMI ( w hich I already knew ). I asked the representative if we could have an appraisal done to show the value had significantly increased beyond the 80 % required. They advised this was an option and told me to send in a written request, in which I would receive a letter response with the requirements to remove the PMI in addition to instructions for sending a check to obtain an appraisal ( {$450.00 } ). I rece ived the response letter on XXXX XXXX 2017, advisi ng to send the letter back with a check in the amount of {$450.00} for the cost of the appraisal. I did so promptly and an appraiser contacted my husband at the end of XXXX 2017 to schedule the appraisal on XXXX XXXX 2017. The appraiser co mpleted the appraisal on XXXX XXXX 2017 and provided the report to SunTrust on XXXX XXXX 2017. I rec eived a letter from SunTrust yesterday, XXXX XXXX 2017 adv ising that the PMI removal was declined due to the property value not resulting in a LTV r ation of 75 %. M y LTV r ation came in at 77 %. Instead, they want {$12000.00} to bring the LTV to 75 %. This is outrageous! All that is needed is 80 % LTV when you purchase a home to avoid PMI ... and now with a certified appraisal they want 75 %?????!!!! THEY ALREADY TOLD ME THAT I NEEDED 80 % TO HAVE IT REMOVED. In addition to all this ... they are legally required to automatically remove the PMI once it reaches 78 %. Again, we are at 77 %! SunTrust is deliberately denying this so we have to keep paying our PMI when we do n't have to, I can not see how this can be legal in any way! When I received the letter on XXXX XXXX , I was already on the phone with SunTrust customer service, holding for a supervisor because the previous rep refused to tell me the contents of the le tter ( a t the time I called, my mail had not yet come so I was calling for a status ). When a supervisor came on the line I told them that they can not bait and switch people and what they are doing is illegal, unethical and a scam. I told her I wanted to file a complaint with the OOP department as well as the CFPB to have the PMI removed as I did meet the requirement of the original lette r ( a nd what I was told over the phone as well ), not to mention meeting the mortgage industry standard of 8 0 % /20 % LTV . T he supervisor actually said " I understand why you are so upset, we have a lot of people with your same complaint '' ... this just says so much about this company. They are making a habit and company culture of screwing people out of their money. In addition to all this ... I believe SunTrust never had any intention of allowing this PMI to be removed ... .the appraisal is low-balled at best. How do I know they did n't tell the appraiser to make sure it did n't come in at a certain amount??? Now I am questioning everything they have ever told me about this process, since they have outright lied to us and provided conflicting information. I was told I would receive a response from t he Office of the President Escalation dep artment by Wednesday, XXXX XXXX . If I even get an actual call from them, I seriously doubt they will apologize, admit their mistake and do the right thing by removing the PMI, therefore I am getting ahead of all this and writing to you immediately in hopes we can get this resolved quickly and do n't need to take other legal measures.
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| 09/08/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Customer service at suntrust XXXX!!! They are scammers and liars who have absolutely no business being responsible for other peoples money!!! I have several questions that Ive been trying to get answers to for YEARS and suntrust has blatantly and repeatedly ignored my questions. COMPLETELY UNACCEPTABLE!!! I ask the questions because I deserve to know whats going on with my mortgage account and I expect customer service!
1. Why did a supervisor NEVER call me back last XX/XX/XXXXwhen I was told one would in 72 hours?
2. Why is my statement ALWAYS wrong after I pay the escrow shortage?
3. Why was I told last summer that the problem had been fixed and I would receive a CORRECT statement after I paid the escrow shortage? Why was I lied to AGAIN??
4. What is going to be done in the future to prevent this from happening again?
5. Why is my escrow short every year?? This is not a problem I 've had with other mortgage companies.
6. Why was I blocked from posting on XXXX even though I did NOT use any profanity as suntrust claims?? I simply told the TRUTH about being LIED to.
7. Why does customer service at suntrust XXXX?? I should not have to file complaints with 6 different agencies to get customer service and even then I still have not gotten the information I 've repeatedly requested.
The XXXX at suntrust are now trying to charge me a late fee for my payment in XXXX Thats XXXX!!!! They sent me wrong statements for 2 MONTHS and when I tried to make a payment online ON THE DUE DATE, the website would NOT let me make an additional principal payment. I sent an email through the website asking why I couldnt make an additional principal payment ( as Ive done every month for 4 years ) and while the auto response said I would get a response within 2 business days, its been over 3 MONTHS and Ive NEVER gotten a response. COMPLETELY UNACCEPTABLE!!!! Since I could not make a payment online and no one would assist me, I mailed my payment. If they were not so disorganized and unscrupulous in sending me incorrect statements repeatedly, my payment would have been on time as it has always been in the past. I should not have to pay a late fee for a perpetual problem created by the incompetent employees at suntrust and I want it removed from my account IMMEDIATELY! Severable months ago I had a voicemail from someone named XXXX who failed to provide his last name but claimed to be calling from suntrust. His voicemail did not say what he was calling in regards to but I have no desire to call someone who is seemingly named after a XXXX organization without having more information. If this is really a suntrust employee what is his FULL name?? What is his direct contact information?? What was he calling in regards to??? Why did n't he just provide the information in the voicemail??? On XX/XX/XXXX, I had another voicemail from another unidentified suntrust employee. She failed to provide her name at all, but knew mine and she failed to state why she was calling. Her voicemail told me to call back. Who am I supposed to be calling??? In reference to what???? I do NOT want these people calling me if they are NOT going to provide their FULL NAME ( FIRST AND LAST ) and their DIRECT contact information. This is completely unprofessional!!! How do I finally get answers to my questions and customer service from suntrust and XXXX XXXX??? I 've been trying unsuccessfully for 4 years and it 's completely unacceptable. These idiots have no business being responsible for other people 's money!!!!! And I do NOT want them handling my mortgage anymore!!! Its time for them to sell it to a REAL mortgage company!!!!
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| 02/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
Older American |
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Case XXXX. ST is lying ; my groceries were not paid for so I left them at the store ; shortly afterwards I saw the charge {$280.00} ( as you say the amount was ) and disputed it with ST, not XXXX have a good grasp of your bank 's disputing a charge policy and would not transfer that policy to XXXX. So, no, I did not " dispute '' the charge with XXXX Since ST was doing exactly nothing, I contacted XXXX to see if they could find the transaction. Not to dispute a charge I called XXXX and spoke with the business office who could not find the transaction.She ( the XXXX rep who tallys the days earnings ) wished she could pay me. She had the Supervisors looking in the computer in the customer service area for the transaction, could not find it. I concluded that all the swiping that was done, one swipe recorded the charge and ends up on my ST checking account as a check # XXXX for {$280.00}?, no date when it was written, but it was paid the XXXX. On the deposit/credit list on the same statement, there is a charge XXXX to XXXX for {$280.00}.? I smell something fishy. Another lie, according to you, you boldly state I got XXXX to give me almost {$300.00} without a drop of evidence that I was entitled to that money?? Really? I do n't think you shop XXXX or have never tried to return something even with a receipt from XXXX. But they are going to hand over {$300.00} to me because I asked for it.. Then you continue your trail of tears by accusing me almost a week later approaching ST with a dispute for the same money? That is flat out slander, XXXX XXXX and you could be in a lot of trouble if I report your fable to the proper authorities. XXXX is not letting go of a dime without proper documentation, which I had none because the bank was doing nothing about the dispute I reported to the bank the same day I discovered it, which was days before I spoke with XXXX. Shame on you for coming up with not only a fictitious story, but a stupid story at that. That would be illegal ( extortion? ) and you better believe ST would have me arrested for trying to squeeze money from both XXXX and ST ... As stated before, I saw {$280.00} on my account, reported it to ST that night ( I believe it was a Friday , ST had me speak with the fraud dept and without telling me by Mon the account was closed and I was locked out of it. So quit lying, XXXX XXXX. please ans the following direct questioning : Why did you close my account without my knowledge, why did ST tell the XXXX staff to stop talking to me, were are the emails I wrote to ST and they responded super snotty? Were are ck # XXXX {$64.00}, ck # XXXX {$71.00}, ck # XXXX {$17.00}, ck # XXXX {$150.00}, ck # XXXX {$290.00}, ck # XXXX {$63.00}, ck # XXXX {$280.00} listed in the deposits/credits column of the same statement? What 's with the whako ck account ck # 's jumping all around? XXXX, XXXX. You still have alot of information you are withholding and are tossing in some fibs just to make it appear that I am a criminal. And YOU are the Assist. VP for the Client Advocacy Team? Oh, one last question ( for this round ), why did it take a complaint to the CFPB for you to come, sort of clean years later with some old, way overdue apologies? And I believe you still owe, me money from morphing, " I wish I could pay you '' to a store wide ceremony.
Please own up to the fact ST withheld money ( illegally ) from my surprise closed account.
Be brave and break the illegal practices of ST taking the poor 's money and calling us stupid when we catch it. I am so tired of manipulative banks ... just as tired as the court system seems to be.
XXXX XXXX XXXX, NC
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| 10/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Struggling to pay mortgage
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Web |
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I am writing about my mortgage on my property listed above. I bought my home in XX/XX/XXXX for XXXX. In XX/XX/XXXX I refinanced my mortgage to get rid of PMI. I took out a 1st and 2nd mortgage to avoid private mortgage insurance. In XX/XX/XXXXI refinanced my Home Equity Line of credit that I had with Suntrust for {$50000.00} and consolidated all of my debt giving me a new loan for XXXX. When I refinanced my second mortgage it was with the condition Suntrust would close my home equity line of credit and release the lien on my property. Few months after refinancing I reached out to Suntrust about a business loan for my husband and I. Suntrust advised me I did n't need to get a new loan because I had an available line of credit for XXXX that I could use. Suntrust sent me checks and I used the money to start our business. At the end of the year I received three interest taxes forms. Called Suntrust to ask why I received 2 and they said because I had two liens on my house. I said ok and just kept paying my debt. In XX/XX/XXXX at XXXX years old my husband had XXXX XXXX XXXX and also found out he has a very bad XXXX XXXX. In XX/XX/XXXX I had to file a Chapter XXXX bankruptcy because my husband income decreased so much I could n't pay all of our debt on my salary. In XX/XX/XXXX I had to stop paying my 3rd mortgage because I could n't afford the payments anymore. In XX/XX/XXXX I had to convert my chapter XXXX bankruptcy over to a chapter XXXX because my husband was not able to work anymore. While I was going thru my chapter XXXX process I received a letter from Suntrust stating they were forgiving my {$50000.00} Home Equity Line of Credit which was my second mortgage. I called Suntrust and asked them why would they forgive my second lien for {$50000.00} but not my 3rd lien for XXXX. Really never got an answer. Since I have not made any payments on my 3rd mortgage which now is my second mortgage since XX/XX/XXXX we owe {$110000.00}. I paid on this loan for 8 years before defaulting. I tried to refinance for the Harp loan on my first but could n't because Suntrust will not subordinate my second. I called Suntrust and ask them about a modification they said no. I asked them for a small settlement they said no. I ca n't refinance and get cash out because I am still rebuilding my credit from the bankruptcy. My husband is not able to work anymore and has been granted XXXX. The problem I have with Suntrust is they allowed me to use a line of credit for {$50000.00} knowing the loan would put my home under water. Suntrust I feel should have forgiven the third lien for the amount of XXXX and leave the {$50000.00} in second position because I would possible be able to refinance one day and start buying my home again. Suntrust should n't had allowed me to use the line of credit for {$5000.00} that was supposed to be closed when I took out the loan for {$9500.00}. Do you have any advice. I feel Suntrust did not give fair lending. I called suntrust last year and asked for a settlement they said XXXX. I called earlier this year they said XXXX. I know I owed the debt but Suntrust lien has put me in a position that I ca n't do anything. I should have researched the line of credit they told me I could use but I was so excited to start our business I did n't do my research. Is there anything I can do to prove Suntrust did unfair lending? My home is only worth XXXX and I owe {$130000.00} on the first. I have lived in my home for 15 years and I feel Suntrust do right by us. If Suntrutst had closed the line of credit for {$5000.00} I would one day be able to refinance. Thank you!
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| 07/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I received a letter on XX/XX/XXXX from Sun Trust Mortgage noting a shortage in my escrow of roughly {$940.00}. I recently purchased my home and closed on XX/XX/2018 and through my closing company was under the impression that my escrow was collected with a small cushion so that there would NOT be any surprises. I called Sun Trust and spoke to a representative who confirmed with me that my account only had a few {$200.00} some dollars in it and was short the {$940.00} so Sun Trust had to pay my county taxes for me and there for I needed to pay the deficit back. The letter stated that if I did nothing about this the shortage would start to be pulled out of my account at of XX/XX/2018. I also apparently had the option to write a check to them in the full amount to prevent the monthly increase.
From this information I then called my Closing company : XXXX XXXX ( NMLS # XXXX5 ) Branch Manager XXXXXXXX XXXX XXXX XXXX XXXX ( NMLS # XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX told me that this rarely happens and he has never heard of it happening, he looked into the closing document and then called XXXX XXXX to confirm that they had received the payment at closing. XXXX called me back quickly and confirmed that XXXX XXXX had received the check as well as one from Sun Trust which they sent back to Sun Trust as the amount had already been paid.
I called Sun Trust customer help again and explained the situation again, the person told me that they were still showing a shortage in my escrow but then sent me to the tax department. The gentleman I spoke to in the tax department confirmed that they had in face received the check back from XXXX XXXX and were processing it. He didn't say when they received the check but assured me that because they had the check I WOULD NOT have the additional amount pulled out of my bi-monthly payment.
On XX/XX/XXXX the amount pulled DID include the deficit - this was NOT what the statement dated XX/XX/XXXX claimed as it clearly stated that the amount would NOT be pulled until XX/XX/XXXX. This is also not what the representative told me from Sun Trust and was very upsetting.
I then called Sun Trust again, spoke to another customer service representative who confirmed that the " missing '' tax monies were showing up in my account. Upon further conversation she noted that the company only does a once a year escrow review.
When I returned home that day I received my XXXX Statement, NOT a notice that additional tax monies were credited to my account and noting that stated they were sorry for giving me a nightmare of a situation by sending an increase notice less than 3 months into owning my house. This was the XXXX statement, it noted on one line from XX/XX/XXXX that there was a repay escrow advance of - {$70.00} but then on XX/XX/XXXX a line item stated Tax Refund was listed in the amount of {$1200.00}. The amount Due was not the regular monthly payment of {$1200.00} but rather the amount that was given in the shortage notice of {$1300.00}. So the Tax Refund noted was NOT applied to my shortage.
Apparently I have to ASK for a review of my escrow as this is not something that is done on an annual basis. So had I not called I would continue to be billed the higher amount for funds that I've already paid that would be just sitting in an account not of my own or of my wishing.
This is not good business and I am not happy as to how this was handled and all the duress it has caused me especially as I'm still trying to settle down from the circumstances that lead me to the need to purchase a house.
|
| 02/14/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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At the end of business on XXXX/XXXX/2016, my commercial business account had an available balance of {$31.00}. The bank indicates that a transaction from LawDepot.com in the amount of {$33.00} placed the account in an overdraft status of $ ( XXXX ). Subsequently, all other transactions ( XXXX XXXX transactions of {$1.00} each, and a XXXX 's transaction of {$9.00} for a total of {$20.00} ) were paid, with associated overdraft fees of {$38.00} per transaction. The preceding produced an account overdraft status of $ ( XXXX ). However, based on bank, cash management, and merchants ' date and time stamps, the transactions should have proceeded as follows : On Saturday XXXX/XXXX/2016 XXXX presented XXXX transactions of {$1.00} each for a total of {$11.00}, and a XXXX 's charge of {$9.00}. The account should have reflected a hold amount of {$20.00} and an available balance of {$11.00} until the first day of business on XXXX/XXXX/2016. The {$33.00} transaction from LawDepot.com was not held against the account until XXXX/XXXX/2016, was not posted until XXXX/XXXX/2016, and should have produced an account balance of $ ( XXXX ). The associated overdraft fee of {$38.00} should have resulted in an account balance of $ XXXX XXXX ). As of XXXX on XXXX/XXXX/2016 all holds should have dropped and transactions posted in accordance with placed holds on funds. This process would have resulted in XXXX overdraft, as opposed to XXXX. However, each of the {$1.00} charges and the {$9.00} were transacted on XXXX/XXXX/2016 with an associated overdraft fee of {$38.00} each, resulting in an account balance of $ ( XXXX ). Service providers ( e.g. XXXX, XXXX, XXXX, etc. ) offering immediate access to their products will electronically look at the provided accounts ' " available balance '' prior to releasing the product, placing hold on the funds as an assurance to payment. Service providers ( e.g. XXXX, XXXX XXXX, etc. ) offering a " test drive '' of their product line will give the prospective subscriber a " grace period '' before any charge is made to the provided account. In this particular case the " grace period ' was 7 days, to conclude on XXXX/XXXX/2016, thereby transacting against the account on XXXX/XXXX/2016, which for the bank is XXXX XXXX/XXXX/2016. Nonetheless, all other transactions should had been posted prior to the XXXX transaction. This has occurred on 2 previous occasions, with no satisfactory explanation, other than the refunding of all associated fees. Further, on XXXX/XXXX/2016 I made a visit to my branch of record, where the new manager refunded a total of {$120.00} in fees, with no satisfactory explanation, other than, " this is a courtesy! '' On XXXX/XXXX/2016, I made a visit to another branch, where I had the CSR give me a printout of the transaction history on my account. It is clearly evident from this printout that the " order of events '' is not in keeping with the produced results. I asked the CSR if he would put me in touch with the responsible department. I spoke with a very pleasant lady named XXXX, who was unable to provide me with a " reasonable explanation in line with the indicated date and time stamps ''. After I thanked her for her time and patience, I asked if she would transfer me to a supervisor for further assistance. I was transferred to an equally pleasant lady named XXXX, who proceeded to give me the same explanation. I asked XXXX to please notate on the account that the amounts were in dispute, and that I would be referring the matter to the CFPB. Your anticipated involvement in this matter is greatly appreciated.
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| 10/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I am a XXXX XXXX XXXX and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they promised so I sent them a cancellation notice on XX/XX/2018 after four months for breach of contract.
I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. I read where XXXX was being sued for the exact same thing. These companies are making promises they can not keep to sign agents up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration.
I cancelled my business card with Suntrust and received a new one so that XXXX COULD not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason.
I explained to Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number I would have given it to them. Suntrust told me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account.
After I filed a complaint with the CFPB Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it. Of course it was a provisional credit.
My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now.
Just this past Saturday, XX/XX/2018, Suntrust reversed the charge and took the {$700.00} back out of my account and levied eight NSF fees for a total of {$300.00} without any prior warning. If Suntrust was going rule in the Merchants favor I should have been notified in advance so that I could have been prepared for this. I phoned Suntrust, they told me they would open another investigation but could not remove the NSF fees at the moment. I want these NSF fees removed immediately.
I have asked but not received how Suntrust or Mastercard has the right to give my card # to a merchant without my authorization. I have never signed nor acknowledged that either has this right. This is why I am filing another complaint with the CFPB and will be seeking legal consultation.
XX/XX/2018 XXXX debited my account for {$700.00} after I sent them a cancellation notice on XX/XX/2018 XX/XX/2018 Filed a complaint with Suntrust XX/XX/2018 Sent Suntrust documents pertaining to my complaint.
XX/XX/2018 Filed complaint with the CFPB XX/XX/2018 Suntrust gave me a provisional credit of {$700.00} XX/XX/2018 Suntrust took the {$700.00} back out of my account and levied 8 NSF fees for a total of {$300.00} XX/XX/2018 Filed another complaint with Suntrust XX/XX/2018 Filed another complaint with the CFPB
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| 06/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
|
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Web |
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On XX/XX/2019 my ID, social security card, Suntrust Bank card, XXXX card secondary cell phone, and my student ID were removed from my purse. I did not realize the items were taken right away. I only noticed the missing phone. Once I realized that the items were gone, I reported it to my financial institution, Suntrust Bank, and XXXX XXXX XXXX XXXX immediately. XXXX handled my claim accordingly and closed my account promptly once it was clear that my account was being hacked. I was pleased with the resolution and prompt response. Meanwhile, a fraudulent check was deposited into my Sun Trust account at an ATM machine. Strangely, the check cleared on the day that it was deposited. Normally, checks take up to 24 hours to deposit when they are done inside of the branch. This MOBILE DEPOSIT cleared on the SAME DAY for {$5000.00} ( as it is stated on the final statement ). I have asked my bank to locate the machine to help me pursue charges and assist with the investigation. I have not been able to obtain the location of the check deposit. Two fraudulent transactions were made on my account in the amount of XXXX and XXXX. Suntrust Bank is trying to hold me accountable for the deposit and transactions. On XX/XX/XXXX of 2019, I visited the local branch immediately after replacing my phone and noticed strange e-mail notifications regarding my Sun Trust account. I also visited the Suntrust branch a second time on XX/XX/XXXX. Both times I was advised that an investigation was taking place. I called and spoke to the fraud department on XX/XX/2019, XX/XX/2019, and XX/XX/2019. I later received a letter in the mail notifying me that I would be held liable for the fraudulent activity. I asked Suntrust to help me understand how I was being held liable. I was advised that because my pin number was used that I was responsible. I continuously called the branch to obtain the location of the ATM deposit and to obtain proof of the fraudulent transactions. I received a copy of the fraudulent check in the mail along with a letter stating that I was responsible. Sun Trust notified me that the check was a mobile ATM deposit. However, they are on able to provide me with a location of the mobile deposit. Also, the check is signed in the endorse here section ( for in bank deposits ) and not the mobile or remote deposit section. Therefore, I have reason to believe that the information being provided to me has not been thoroughly examined. The transaction descriptions have been deleted from my bank statement and indicate only that a paid item was purchased. When I visited the local branch on XX/XX/2019, I was advised that {$3000.00} was spent at XXXX. However, it says paid item As if someone with access to bank details has deleted the actual transaction details. I was also advised by the SunTrust officials That {$1000.00} was sent via XXXX. This particular transaction is also listed as a paid item on my final statement. All of my authorized XXXX transactions appear clearly but the details of the fraudulent XXXX remarks are not stated. I am unable to pursue an investigation without knowing the location of the ATM deposit. I have been advised that charges have to be processed and filed in the county in which the activity occurred. Sun Trust Bank is not helping me to resolve this issue. I am currently being held responsible for {$4000.00} as a result of a fraudulent {$5000.00} check. I am unsure about the factuality that this was a mobile ATM deposit. the check is signed as an endorsement and the location of the ATM deposit is being withheld from me.
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| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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CONSUMER COMPLAINTCONSUMER FINANCIAL PROTECTION BUREAU SUN TRUST Account ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX XXXX XXXX XXXX social security XXXX am a regular customer of Sun Trust bank for over a year ACCOUNT NO ; XXXX, Sun trust bank and corporation has a XXXX party business relationship with the XXXX XXXX XXXX transfer corporation. This business establishment is an in-house XXXX XXXX service, any person can send or collect money from XXXX XXXX at there local branches on their business facilities with their banking tellers and service. On XXXX the XXXX I received a threatening letter from Sun Trust bank by United States mail. ( see attachment XXXX ) it stated that they needed to obtain additional information regarding prior XXXX XXXX transactions? ) I was left with the impression that they were conducting an investigation of some sort of impropriety or illegal transaction because they expressed the termination of banking relationship with me personally and indicated that if I was not compliant with their immediate request they would close my account and severe banking and business relationship with me. This prompted me to contact customer support and upper levels of management in customer support by telephone. I asked them repeatedly what exactly was this inquiry was about? they were vague and ambiguous and never gave me a direct answer that was complete and explained relevancy regarding the pending issue. I further explained that their lack of transparency with regard to a full disclosure of their request made me apprehensive and suspicious of their actions. I asked them if any of their employees or local banking managers were possibly mischaracterizing me personally with a negative XXXX stereotype or XXXX profiling of me because I am an XXXX XXXX?, I further explained that I have no criminal history and I have never been incarcerated, I am a devout family man and a retired XXXX from XXXX XXXX for 30 years, I receive a monthly pension that I have a direct deposit in their bank account. Likewise I further elaborated that I have no personal or business relationships with any know criminals or criminal enterprises. On XXXX the XXXX 2015, ( see attachment XXXX ) I received a termination letter stating that they were terminating their relationship with me and closing my accounts. I talked with a supervisor and again they gave no clear indication of any criminal or banking infraction of theft, fraud, money laundering or any other sort of impropriety? I am a XXXX year old law abiding citizen and I am not now nor have I ever been under any criminal investigation or indictment of any sort at any time or circumstance in the state of XXXX or XXXX where I resided for 53 years. The bank can only be making these improper and adverse actions based upon innuendos, unfounded suspicions, conjectures. These unfair and pseudo accusations are mere implications of illegal civil rights violations. I am an XXXX XXXX in a protected class and they have not confirmed or articulated a ( legitimate non discriminatory reasons ) to justify their objectives for these discriminatory activities and base less actions of maleficent conduct. Neither was there an empirical investigation conducted to determine if there was any serious level of impropriety or corrupt bank transaction just mere accusations that are vague and unsubstantiated to this day there is nothing clairvoyant or definitive that constitutes an indictment of any sort of illegality by banking policy rules and regulation or civil law or criminality.
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| 08/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Settlement process and costs
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Web |
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Initiated refinance early XXXX with SunTrust, who is already our current lender. Credit was near perfect at the beginning of this process - XXXX. Appraisal complete XX/XX/XXXX. Required documents all submitted, including an official P & L statement for our XXXX hobby XXXX and XXXX. All document submissions to them were required to happen within XXXX hours. After verbal confirmation underwriting was complete, SunTrust attempted to schedule XXXX closing the week of XXXX but did n't have the PMI in order. They also gave us very limited time to make any decision about bringing additional money to closing and stated they would require extensive documentation of the source of any of these funds, when we had already disclosed the source of many of our funding options in our XXXX round of documentation. We were reprimanded by the loan officer for not already knowing what we wanted to bring to closing, but we had been repeatedly asking for info from SunTrust regarding how much we would need to bring to avoid PMI or reduce PMI and had not had that information provided. He also stated we were set to close within the usual 60 days so we did n't need to be upset with how long the process was taking. We were then verbally told that the PMI company required new bank statements, XXXX, profit and loss statements and a notarized agreement for shared driveway maintenance with our neighbors. This seemed wrong, so after asking they disclosed that it was not just for PMI, that their underwriting group was requiring additional information again. Closing was then to be scheduled the beginning of XXXX, before the rate lock expired again and the credit report expired ( XXXX expiration ). Closing again did not happen, we received no call or call-back, only a letter in the mail stating credit had been pulled for a XXXX time, which makes credit score drop with multiple hits. We continued to receive new disclosure statements that were inaccurate in various ways, mainly the cost of monthly PMI and the total loan amount which never went down through these months, while we continued to make payments. Then, closing was scheduled for XXXX XXXX, and we were informed we would receive documents detailing the amount of money we were to bring to closing and receive a call to fully explain the documents and agree that all was accurate. With XXXX bank business hours till our closing and no contact prior, we received a call that our original property assessment had expired and they would have a recertification completed within XXXX hours - hence closing again delayed. We were also told that if our property has declined in value that our refinance will once again have to be returned to underwriting. This is now the following Monday and we have received no call/no contact. We continue to make payments on our current mortgage at the higher interest rate and continue to receive no contact or calls. We have met every requirement to qualify for the new rate of 2.99 %, but SunTrust ca n't get underwriting completed before documents continue to expire in rolling fashion. We are incurring and continuing to pay interest at the higher rate, and it seems to us SunTrust is not motivated to refinance us to the lower rate. We have now missed the window to go to another lender at the 2.99 % rate and credit score has taken multiple hits. We do not qualify for HARP since we refinanced in XX/XX/XXXX, attempting then to be good stewards of our money. We are XXXX days from beginning of this process, with their quoted average time for closing a refinance being XXXX days.
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| 03/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I 've recently had my position eliminated and not a clue that it was taking place. The day my position was eliminated I called SunTrust to ask what help was there if any-collections rep told me to call customer service and then the back and forth began. Last week I called in again to ask what help was there and was told about the " re-write '' program for auto loans. I thought wow there is divine intervention. XXXX with XXXX whom seemed genuinely wanting to help. We spoke about the program, the reduced loan payment terms, moving my payment for XX/XX/XXXX and XX/XX/XXXX to the end of the contract and my first due date under the re-write as XXXX XXXX, 2016 and made it very clear this payment could not be late and that I was responsible for the current late fee and so the process began. I was told that due to state law my former partner needed to be contacted to get his verbal confirmation, but this was only a formality-I would be sent the documents needed to be signed and returned.my ex partner called in and was told that he too would need to be sent documents from another rep in the " re-write dept. and was given the same info-this is not a reapplication no credit checks and all was good to go. Called in this past Monday ( XXXX/XXXX/16 ) to ask for tracking information for the documents that were needed. I was told there was a processing error in the documents. In Thursday XXXX/XXXX/16 received a call/voicemail from Suntrrust asking to please return the call. I did and was informed that the " good to go '' re-write was denied. When I questioned why I was informed that the decision was due to lack of income to which I reminded XXXX that I had unemployment benefits of {$470.00} weekly it should known that I specifically asked should I be sending in that type of documentation and was told no. I explained this income to XXXX and was told that he would take it to mgmt. I contacted my ex partner to ask if he had gotten any calls from SunTrust with this news and was assured that his only contact was from the prior week when I asked him to call in.
Later thatbafternoon I called back to see if there was any update and the rep whom answered was extremely flippet with the questions I asked and restated " mgmt can change a decision '' asked what reason was given for denial of this re-write and was told " cause of your payments '', I asked I 'm sorry what was that you said " cause you been late ''. I asked if there were any appeal processes in place-and was quickly told nope.
This is misrepresentation of agreed terms made by and carried out by an employee who has the day to day practice of performing re-writes for those hit with unexpected and unforeseen circumstances who has flat out lied to myself and my ex spouse and continued this bait and switch tactic by confirming that the documents were being sent out earlier this week.
I have asked to speak with upper mgmt and repeatedly told that is not possible, they do not take calls nor can a call be transferred.
Called back to ask what appeal process there was and the young lady was so completely spiteful in her tone and manner to which she answered my questions " umm sir mgmt said no and you were told you 'd get a decision with 48-72 hours. The decision was made Monday and your were told today 72 hours as you was told ''. I said that 's convient when I was told Monday that all was good and the delay was an error in getting the docs out, so now I 'm not approved despite being told I was- '' umm sir again you was told that it was up to mgmt and they said no ''.
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| 03/29/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I signed a Bi-weekly payment plan with Suntrust Mortgage to be auto drafted from my Checking account at XXXX in XX/XX/XXXX for drafts to begin XX/XX/XXXX. I had to make a full mortgage payment in XX/XX/XXXX for XX/XX/XXXX, and the auto drafts in XXXX were to be credited to XX/XX/XXXX payment, keeping me paid a month ahead. That is not whats been happening. Suntrust Mortgage continually harrasses me via telephone and via past due notices, and shows my account past due. They are holding my drafts in Suspense. I have called them each time i get the past due notice and they tell me in XX/XX/XXXX, Suntrust " changed '' my Bi-weekly plan I signed to their " Sure Pay Plan '' and are holding my drafts in suspense, making my payments past due, when in fact they are not and should be showing paid a month ahead. This has not been happening. On XX/XX/XXXX, I called them again because I got another past due letter for XX/XX/XXXX. My drafts submitted on XX/XX/XXXX and XX/XX/XXXX which should have been for my XX/XX/XXXX payments. When I called, they stated the payments were still holding in suspense and they would release them ... ... again. I was also told that they would re-instate the Bi-weekly plan as I did NOT authorize any change to that plan, THEY changed it without my authorization. Now I have received my mortgage statement in the mail for XX/XX/XXXX. They are showing XX/XX/XXXX is past due. and now XXXX will be due. They are not following through with what they have been telling me since XX/XX/XXXX and it has ruined my credit., which I was also told by customer service on the XX/XX/XXXX phone call to them that they would fix my credit and put me back on the original plan. I have proof from XXXX they have been Drafting my checking account everytwo weeks ( my pay days ) for Suntrust Mortgage. I am filing a complaint against Suntrust Mortgage for unlawfully holding my monies, and harrassing me for past due payments which they already hold in suspense, and on top of that they are charging me late fees for payments that are NOT LATE. They need to refund me all my late and past due fees they have assessed and continue to assess, and return my Biweekly arrangement as originally signed for, fix my credit rating for their negligence and unauthorized change made to my payment arrangement, showing my account paid a month ahead as what it was originally set up to be. I should not owe as much as they continue to state I owe. Right now, for XX/XX/XXXX-XX/XX/XXXX they show I owe {$1100.00}, but are showing there is an UNAPPLIED FUNDS balance of {$530.00} they holding in suspense. I should not have to call them everymonth to release those funds, which is whats been happening. Because of all these issues with Suntrust, I ca n't even re-finance the balance with any other lending institution because Suntrust has ruined my credit. And I also had requested in writing, along with a copy of my Divorce Decree, to change my name back to my maiden name of XXXX ... ... they STILL have me listed as XXXX. I have been divorced since XXXX and I remain in the home and have been paying the mortgage. My ex-husband cant get his name off the mortgage because Suntrust has ruined MY credit and cant get refinanced in my name alone.
My Mortgage Account Number is : XXXX Property address is : XXXX, XXXX NC. My mailing address is : XXXX, XXXX, XXXX NC XXXX Please help me to clear this up with Suntrust Mortgage as I am at my wits end and may have to get an attorney if this is not cleared up and my credit repaired.
Thank you in advance
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| 04/08/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I am reporting ongoing harassment, intimidation, intentionally deceptive business practices by Suntrust Mortgage , Inc in their dealing with me about my V.A. Home Loan. Suntrust may be in ongoing violations of the requirements of their Court Settlement agreement of XXXX and XXXX in which Suntrust agreed, among other things, to no longer conduct deceptive business practices.
For the past three years I have been dealing with Suntrust Mortgage , Inc. in my many attempts to retain my home. Suntrust refuses to answer my many emails to them about their intentionally deceptive, illegal, and ongoing acts and instead keeps insisting to speak to me on the phone, so there will be no record of what was said that day. I have spoken to many different Suntrust employees on the phone during the past three years and I always get a different answer from each of them, followed by their denials of having told me things. That is why I now will deal with them in writing, so there will be a printed record of everything Suntrust does. In XXXX XXXX I applied to Keep Your Home California ( KYHCA ) Principal Reduction program because I could not afford my monthly mortgage payment of {$780.00} because my only income is {$1000.00} from the the V.A. non-service connected Pension ( beginning in XXXX XXXX ). On XXXX/XXXX/XXXX Suntrust received {$62000.00} from KYHCA Principal Reduction program with the two very specific purposes : 1- reducing my principal balance on my V.A. Home Loan with Suntrust as well as 2- to have them refinance that loan in order to reduce my monthly mortgage payments. Suntrust accepted that money, but only reduce my principal balance and did Not refinance my loan thereby leaving my monthly payments at {$780.00}. On XXXX/XXXX/XXXX Suntrust mailed me a letter in which they wrote that if I wanted to apply for their " Recast '' of my loan, Suntrust wanted an additional {$5000.00} ( non-refundable ) from me as their principal curtailment fee to " Recast '' my loan and that would only Re-Amortize it, and Not refinance it. This is the latest deceptive and illegal acts by Suntrust for the past three years I have been dealing with them in my many attempts to retain my home and during which Suntrust keeps trying to steal my home through their intentionally deceptive, heavy-handed, and harassing acts whose sole intent is for Suntrust to foreclose on my home. I sought assistance from the V.A. ( XXXX XXXX ) about this ongoing harassment by Suntrust and he contacted a Suntrust employee named XXXX who told XXXX XXXX that the letter was a mistake and that the {$62000.00} received by Suntrust on XXXX/XXXX/XXXX covers that {$5000.00} principal curtailment fee on the XXXX/XXXX/XXXX letter and that i could apply for Suntrust to Modify my V.A. Home Loan with them. Among other things, Suntrust claims that they are so big that employees from one of their departments may not be aware of what other employees may be doing when dealing with my V.A. Home Loan with Suntrust and that could be why their " errors '' happen. It is my opinion that Suntrust is again conducting the very same deceptive business practices for which the Federal and many State government agencies brought legal action against Suntrust and which are detailed in the Court Settlements of XXXX and XXXX. I am lucky to have the V.A. assisting me with this ongoing and very stressful illegal acts by Suntrust, but many other home owners may not have access to such assistance are being preyed upon by Suntrust without those home owners having any recourse.
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| 12/10/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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This began on XXXX/XXXX/XXXX when fraudulent activity occurred on my debit card. When I originally called SunTrust regarding the fraudulent activity, they credited my account. On XXXX/XXXX/XXXX, SunTrust debited my account for the same amount that they credited, in the amount of {$520.00}, plus the XXXX overdraft fees without any notification. The fraudulent department advised that a letter was mailed on XXXX but I have yet to receive it. I was also advised that another letter stating why my claim was denied would be mailed again but I still have yet to receive it. I have consistently checked my mail and opened every piece of mail. I am still SO curious as to why or how they determined this was not fraudulent activity. I asked if they would email me the letter that was supposedly mailed but they refused. I was advised by the fraudulent department on XXXX that the rebuttal form would be emailed, that also was never received. I called numerous times to try to get it emailed. I was finally advised to just wait on it. : - XXXX On XXXX, we had to go into a SunTrust branch to get the rebuttal form emailed. I am THRILLED to say that XXXX XXXX was kind enough to email that rebuttal form. We were advised that they could not help us that we would have to contact the Fraudulent Department. The rebuttal form was faxed the following day, XXXX. SunTrust advised that the rebuttal form was received on the XXXX. This is the information that I shared on the rebuttal form ...
These are the transactions that I know without a doubt, I did not make.
XXXX/XXXX/XXXX BestyBuyCom {$430.00} XXXX/XXXX/XXXX Recurring Check Card purchase XXXX {$9.00} XXXX/XXXX/XXXX Recurring Check Card purchase XXXX {$6.00} XXXX/XXXX/XXXX Recurring Check Card purchase Lyft * Ride {$26.00} XXXX/XXXX/XXXX Recurring Check Card purchase Lyft * Ride {$19.00} XXXX/XXXX/XXXX Recurring Check Card purchase XXXX {$17.00} XXXX/XXXX/XXXX Recurring Check Card purchase XXXX {$15.00} Total {$520.00} I reached out to XXXX XXXX and was able to find out that the transaction that went through on the XXXX was an online purchase on XXXX at XXXX and was physically picked up at XXXX XXXX XXXX XXXX, XXXX, GA XXXX on XXXX at XXXX. The representative assured me that they physically had to have the card. that it had the same number and expiration date. I am absolutely positive that I physically had my card. The representative said that the card had the same account number and expiration date but another name of XXXX XXXX. I do not know XXXX XXXX. I did not give anyone my authorization to use my card for any purchases. I was also advised that there is an email address of XXXXXXXXXXXX on the order. The representative told me what was purchased ... a Play Station XXXX XXXX XXXX XXXX Limited Edition Bundle. I contacted the XXXX XXXX at the XXXX XXXX XXXX, XXXX, GA and they do have surveillance cameras and they do require a drivers license/ID when picking up an item. I have tried to contact XXXX but I finally heard back via email. They did credit my account for the charges processed with them. I had requested information as to a name or if they were local but they never responded. I would think with a person physically being picked up multiple times that it would be a bit easier to locate someone and to determine if fraudulent activity occurred. I have approximately {$640.00} in OVERDRAFT charges due to this fraudulent activity. I have called and begged for help. I might even be satisfied with an update from the investigator.
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| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I was directed by the FTC to seek your department 's help in helping me resolve the issue as soon and smooth as possible.
XXXX/XXXX/15 Received a letter through the mail from SunTrust Bank that the checking account has been closed.
XXXX/XXXX/15 Acting as the POA of the account, I checked with the account holder to verify the fraudulent transaction, no transactions have been made or authorized.
XXXX/XXXX/2015 Visited a SunTrust bank branch located at XXXX XXXX XXXX XXXX XXXX, FL XXXX to find the reason the account was closed. I, as a POA, was provided with copies of the bank statement and a forged signature check, the reason that the account was closed due to overdraft.
I contacted SunTrust Bank Fraud department and gave verbal affidavit and was told that the Investigator will call back within 5-7 business days.
XXXX/XXXX/15 Attempt to file a police report at the local police station located on XXXX XXXX XXXX XXXX, XXXX, FL XXXX. Police dept. needed info. on where the check was presented in order to find jurisdiction.
XXXX/XXXX/15 Went to the closest account branch ( where the account was originally opened ) on XXXX XXXX XXXX XXXX XXXX, FL XXXX. The rep. could n't provide any info. on where the check was presented.
XXXX/XXXX/15 Received call from XXXX XXXX representing SunTrust Bank based in XXXX. She originally claimed that SUNTRUST is not liable for the fraudulent transaction since a fraud complaint was filed late. I explained to her that the account holder has n't received the statements and multiple requests in the past at the bank were not honored to change the foreign mailing address to the XXXX mailing address as per SunTrust policies, rules and regulations, " statements with a foreign address " due to tax exempt status '' has to be mailed to the foreign address. '' After I explained to her that the check was forged and the check itself is fraudulent, she asked for my email address and will be emailing the affidavit form late on the day.
XXXX/XXXX/15 Called XXXX XXXX and left a voicemail that I have n't received the affidavit and to call back.
XXXX/XXXX/15 Left multiple voicemail messages to call back, no affidavit received yet.
XXXX/XXXX/15 Left multiple voicemail messages to call back, no affidavit received yet.
XXXX/XXXX/15 Called SunTrust Fraud Dept. and spoke with XXXX to find out the status of the case and to request the affidavit be sent to the XXXX mailing address and to my email address. XXXX stated that it will take 24-48 hrs. to receive the affidavit, and 5-7 business days to receive by regular USPS mail. She was unable to provide info. on where the check was presented ( to file police report ), and stated that the investigation is in process.
XXXX/XXXX/15 Filed complaint with FDIC.
XXXX/XXXX/15 Filed FBI complaint through email.
XXXX/XXXX/15 Called SunTrust Investigator XXXX XXXX multiple times, left messages in her voicemail to call back. Spoke with SunTrust Fraud Dept. rep to find about the status and the affidavit - still investigating. No info yet where the check was presented.
XXXX/XXXX/15 Called SunTrust Investigator XXXX XXXX multiple times, left messages in her voicemail to call back. Spoke with SunTrust Fraud Dept. rep to request to talk to Investigator XXXX - left message/annotation in the system.
XXXX/XXXX/15 Called SunTrust XXXX XXXX XXXX, left voicemail.
XXXX/XXXX/15 Filed complaint with FTC.
Filed complaint with FBI by email.
XXXX/XXXX/15 Called SunTrust Investigator XXXX XXXX, left voicemail.
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| 08/05/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I recently opened a new bank account at SunTrust Bank. Since DAY ONE I have had nothing but problems. Here is the BIGGEST & most recent problem:On Friday, XX/XX/2019, I made a Mobile Check Deposit at about XXXX in the amount of $XXXX . The "cut-off" time for funds being available next day (excluding Sundays & holidays) is XXXX ET time. Obviously, I made this deposit well before XXXX. Immediately after it deposits, there is an alert on the deposit confirmation saying my funds would be held. I called the 800- SUNTRUST number to ask why my money is being held, and for how long. The woman on the phone advised that $XXXX would be available to me the next day (so, Saturday, XXXX XXXX I was supposed to have most of it) and only $60 was to be held until Monday, XX/XX/XXXX. After hanging up, I received an email alert stating the hold for $XXXX and $XXXX being available to me the next day. OK, no big deal at all. Fast forward to Saturday morning around XXXX or so. I check my bank account and nothing has been deposited. I see the deposit amount is negative in my account summary and states "HOLD" next to it. I clicked on the deposit and it said the ENTIRE amount wouldn't be available to me until MONDAY, XXXX XXXX! A WHOLE week and some days AFTER I deposited it into my account BEFORE the cut-off time (and after being told most of it would be there that day). I immediately call SunTrust and they could not tell me why MY money was being held for over a week, just that it's "their system". They claim they are "unable to cancel the deposit or negotiate" so I could go to my local branch and get cash. Instead, they FORCE me to wait over a week for MY money! This is INSANE and has NEVER happened to me or anyone else I know. This bank is a JOKE. That money was very important and I needed it THAT NEXT DAY to get my vehicle fixed! They lied, and they refuse to work with me to give me MY money. I KNOW they have control over their system, they just don't want to do that. There is no possible way they have a system that they are "unable to control". They just want to hold on to that money for as long as they can. & the man on the phone had the audacity to tell me after advising they can't cancel the deposit, "well you do have $___.__ in your account.", as if to say "well you have money so what's the big deal". That was the impression I got and it's WRONG. This is people's LIVES they are messing with. If their banking says funds would be available next day if deposits are made before XXXX, then that is what I expect to happen. If a hold is placed, how DARE they hold onto it for over 1 week??? I would SORT OF understand if it was over $500 or a few thousand. BUT $XXXX BEING HELD that long? NO! They do NOT have that right. 3 DAYS should be the MAX, ESPECIALLY if it's under $500! Once my money is FINALLY given to me, I am canceling this joke of a bank and going back to my old bank. I thought I had problems with XXXX XXXX XXXX?! BOY was I wrong and in for a rude awakening with these crooks. XXXX. NEVER held a check for longer than 3 days. NEVER! It was very rare for them to even DO holds! NO bank should do "holds" for this long!! It should be illegal and they should be responsible for paying someone's bill for holding their money for that long, literally forcing them to wait and wait. If that's how they want to play, pay my bill then! This is utterly ridiculous and cruel. Something needs to be done about this and SOMEONE needs to give me my money THIS WEEK.
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| 04/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
Older American |
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My mother passed just 5 years ago. She had lived in XXXX, and XXXX with my younger brother which they both owned. I have an older brother in XXXX XXXX, XXXX. She had made a will over five years earlier and aways had taken every opportunity to explain it contents to all of us at family gatherings. As she put it, I do n't want any trouble about this after I 'm gone that 's why I 'm repeating this. The will stated my younger brother receives the house, I would receive what money and savings bonds left. My older brother would receive nothing, as he asked for and received his share of her estate years earlier. My did not think the will was enough to protect me, so she created, with SunTrust Bank 's help, an irrevocable trust in my name. This was n't all, she engaged SunTrust to " take care of everything '' when she died. We would n't have to do anything.
After my mother passed and laid to rest. My brothers and I went to the office of SunTrust in XXXX. My brothers asked a financial representative there how to proceed to close the estate. The rep " XXXX XXXX '' told my brothers were told they could never receive any part of her estate. XXXX did not divulge the trust to them. After they left I told XXXX who I was and said " the trust '', he nodded.
A few weeks later, my younger brother and I were to engage a lawyer " XXXX XXXX XXXX '' and while I was waiting for him, He rushed out and went with out me, after flying down to XXXX He later apologised by saying " he forgot ''.
We were all three made " Administrators '' for my mothers Estate. I contacted the bank by phone, faxing my letter of " Administration '', I learned there was no trust irrevocable or otherwise. So I went back to XXXX, XXXX with a friend and proceeded to the bank with my papers and spoke with XXXX XXXX VP. She told me that all the trusts were transferred to XXXX, XXXX. I went to XXXX to verify this and they laughed and said of course not! ... I went home, I called the main office, I believe in the state of XXXX.
I found that no death certificate was filed, I asked how to file and was told send a copy to their office, I did and was notified a copy was no good and corrected the matter. I figured this must be the problem and I was wrong. This is where I contacted the FDIC they told me they would investigate. They did and found out nothing. A few weeks later, I went back to XXXX and I found the people I had been dealing with were let go or about to be. I had spoke to different lawyers not knowing who to trust but I heard how you could end up with nothing after the layers are paid. My mother did n't trust lawyers either, hence why she used SunTrust 's end of life services. I believe the trust was transferred to another branch. At one point I requested all copies of my mothers checks going back five years. XXXX XXXX said " no problem '', she took my address where to send it.
After a considerable wait I called XXXX and asked why I had n't received the copies.
XXXX told me " we tried to call you ( my cell ) and could n't get in touch and she sent them back. I asked her to resend them and this time she told me it would be {$20.00} per checkup front. I was trying to find the lawyer who made her will, knowing she would pay by check. So, in my mind our lawyer " XXXX XXXX '' was working against me even though he told us he had to represent us equally.
So, where is the " Irrevocable Trust '' and end of life services my mother paid for, meanwhile it 's been almost 5 years.
|
| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XXXX XXXX 2019, my sister wrote me a check for XXXX US dollars, this money was from our father who was XXXX. I called SunTrust bank and asked them if i made the deposit would my account stay active. I asked them this because the account had a XXXX balance of a couple weeks and was pending closed. The banker at SunTrust told me " yes, your account will stay active if you make a deposit '' so i mailed in the check.
Immediately after SunTrust received the check within an hour the closed my account completely blocking me from online banking.
SunTrust placed the money i got from my sister on hold and i found out not being able to pay my bill at a restaurant.
For the entire months of XXXX and XXXX i couldn't get any data on why they closed my account OR why they would not give me my money. They have told me continuously that " we are waiting for the money to be recalled ''. So me and my sister tried to recall it and she couldn't, her bank XXXX XXXX can not recall it.
The check had cleared her account and is currently being held by SunTrust.
I filed multiple complaints with the FDIC and they have done nothing.
I have been lied to by SunTrust over and over again, they have hung up on me several times and have been treating me like a criminal.
Finally in early XXXX SunTrust told me i needed the check issuer to send them a letter stating that the check was intended for me.
I did this and they claimed to have never gotten it.
I have a fax receipt saying they did.
Then SunTrust told me i needed to have a notarized affidavit stating that the funds were meant for me.
My sister has been having trouble getting the fax through to SunTrust, but SunTrust has stated faxing is the only way.
The affidavit should go through today on XX/XX/XXXX the day i file this complaint.
SunTrust seems to believe the check is fraud yet refuses to return it to the issuing bank or release it to me, they seem to be playing some sort of law department.
SunTrust lied to me stating " it was XXXX XXXX that originally flagged the check '' after check my sisters bank with her they absolutely did not as the check was good and the money was taken out of her account by SunTrust.
The only way we are able to do anything is if we send them a legal Affidavit which i fear they plan to use against me for someone unspoken reason.
I checked everywhere i can think and i am NOT being sued and i do NOT. have a judgement order on me.
However the money i was receiving part of it was going to make the payments on my XXXX.
I hav n't been able to get my money since XXXX and my XXXX bill went to collections in XXXX so i lost my lifetime coverage on my XXXX and i am expecting more problems with that in the future which i could have easily avoided given SunTrust didn't steal this money.
I am asking you in complete desperation that you help me make SunTrust return my money as fast as possible so i can buy food, i have been boring money from people i know in order to stay alive.
Recently i had a XXXX XXXX and receiving this money was going to give me time to rest and recover so i don't have a XXXX XXXX XXXX.
I just need help getting my money back as fast as possible.
The check was good.
It cleared.
SunTrust took the money.
Closed my account.
And have been violating federal law that they must return money once they close an account.
If i were to sue them it would be successful, i just have no way to afford that, i just want my money back.
Thankyou
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| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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On XX/XX/2019, I tried to log into my bank account via online and could not get in. I contacted the XXXX XXXX Suntrust bank and spoke to the branch manager, Mr. XXXX XXXX XXXX, who told me that I needed to come to the bank. Once I arrived, I met with Mr. XXXX who advised me that there were 7 mobile deposits made to my bank account in the amount of {$650.00}. According to the bank statement dated XX/XX/2019, 2 deposits were made on XX/XX/2019 and five ( 5 ) were made on XX/XX/2019. At that time, I explicitly told Mr. XXXX that I did not make these deposits. Thus, the bank account was closed and a claim was filed. On XX/XX/2019, I requested a copy of the claim filed, which was never provided to me. On XX/XX/2019, I contacted the Suntrust Fraud department to find out the status of the claim filed. Ms. XXXX XXXX of the Fraud department advised me that she had just been assigned my case. On XX/XX/2019, over 2 weeks after the case was assigned to Ms. XXXX, I contacted the Suntrust Fraud department again to find out the status of the claim filed. A Suntrust Customer Representative told me that the case was closed and a letter was sent to me via mail indicating that Suntrust came to the conclusion that I owed the outstanding balance of {$1400.00} because they assumed I made these deposits. On XX/XX/2019, I received 2 letters dated XX/XX/2019 from the Fraud department indicating that I owed {$1400.00} to Suntrust. However, the letters did not explain how the Fraud department came to this conclusion or how they came to the amount owed, nor was there any supporting documentation provided by the Fraud department. On XX/XX/2019, I filed a complaint with Suntrust headquarters. I was contacted by Suntrust advising that they would look into the matter. From that date on until now, I have contacted Suntrust to check the status and no one did not return my calls. Instead, I received a letter dated XX/XX/2019 from the XXXX XXXX XXXX XXXX XXXX indicating that I owe {$1200.00}. I contacted the XXXX XXXX only to find out through them that Suntrust determined I owe this amount. Yet, Suntrust never returned my calls to let me know the status of their second investigation.
In my complaint filed on XX/XX/2019, I indicated the following. Suntrust claims that they honored 2 of the 7 mobile deposits. This is untrue. In the Hold Item Letter dated XX/XX/2019, the 2 checks Suntrust claim that were honored were placed on hold on XX/XX/2019. Further, the Hold Item Letter indicates that these funds would not be available until XX/XX/2019. In addition, the sidebar of the 2 checks Suntrust claims they honored reads Return Reason N, Altered-Fictitious. If these items were honored, then why does the sidebar of the checks indicate that they were returned and the reason why? However, the bank statement dated XX/XX/2019, at page 3, indicates that these 2 items were paid on XX/XX/2019. How is this possible if on XX/XX/2019, the 2 checks were placed on hold and the funds would not be available until XX/XX/2019, just as the other 5 checks that were allegedly deposited? The bank statement dated XX/XX/2019 indicates the 2 paid items as debits/withdrawals. How is this possible if the account was locked on XX/XX/2019. Once your bank account is locked there can not be any transactions made thereafter? Thus, these items could NOT have been honored. Further, I do not have a XXXX XXXX XXXX account nor do the signatures match on the back of the checks deposited.
|
| 08/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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On XX/XX/XXXX, my wallet and phone were stolen in XXXX XXXX, LA by a person unknown to me. I was pick-pocketed at some time in the late morning or early afternoon, but I'm not sure exactly when or where it happened, other than that it happened in the XXXX XXXX. Between XX/XX/XXXX and XX/XX/XXXX, the perpetrator debited my Suntrust bank account for over {$3500.00} and charged nearly {$6000.00} on my Suntrust credit card. My guess is that they stole my pin number while using an ATM and then later targeted me for theft.
I called Suntrust to report the theft on XX/XX/XXXX and the money was temporarily credited to my credit account, but not my bank account. On XX/XX/XXXX, I received a letter stating that my debit card fraud claim was being denied, with the only explanation being : 'During our investigation we determined that no error occurred and your case is being denied. Due to the action that has been taken by SunTrust in denying your claim, you will assume full responsibility for these debts and any associated fees. ' On XX/XX/XXXX, I received a letter from Suntrust denying the fraud claim on my credit card, with the explanation being : " Evidence indicates that you participated and/or received benefit from the transaction ( s ). '' On XX/XX/XXXX, I called Suntrust for addition information. The first ( unnamed ) representative reviewed substantial notes attached to my case and record, and who said he would provide me with a copy of these notes, but ultimately did not. Before he got off the line, he said that the justification for the decision was that I had done business with this vendor previously, which seems absurd given the number of vendors involved and considering that I have never done business with ANY merchants in the XXXX area of XXXX XXXX, Louisiana. He then transferred me to his supervisor XXXX, who refused to provide any information and reported that the investigation was closed, no additional information was available, that there was no means of appealing that decision, and that there was no one else available I could speak with. She provided me with an address and stated that any further communication would have to be in writing. I mailed a certified letter to Suntrust on XX/XX/XXXX, notifying them that I am complaining to the FTC about their blatantly illegal practices in attempting to avoid liability by either fabricating or withholding exculpatory evidence ( letter is attached ). My Suntrust World MasterCard carries a 0 liability policy. To the best of my knowledge, I should be liable for at most {$50.00} on each my debit and credit cards since the theft was reported within 48 hours. I have been a Suntrust customer since XX/XX/XXXX, and this is unacceptable.
Please note : I've attached both my debit and credit card statements. On the credit card statement, transactions between XX/XX/XXXX and XX/XX/XXXX were not made by nor authorized by me, including the posted balance transfer on the credit card where they moved {$4000.00} to my checking in account ( likely in an attempt to directly debit it from my checking account ). I am not sure how they'd even be able to do that. On my debit card statement, I believe that the first 2 ATM charges are mine ( at XXXX XXXX XXXX ), but all other debits between the XX/XX/XXXX and XX/XX/XXXX will be fraudulent. I've also included the two fraud rejection letters from Suntrust as well as a copy of the certified letter that I've mailed to Suntrust.
|
| 02/02/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
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Web |
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On XXXX XXXX, XXXX I with my daughter visited your Bank at XXXX XXXX XXXX XXXX, XXXX, GA XXXX and opened account for me and my daughter to enable me to keep deposit in it for my and my daughter 's expense and for her school fee.
XXXX XXXX after completing all necessary documentation and formularies and after checking our Passport and other ID and keeping its copies opened our account with your Bank.
On same day letters with heading Welcome to SunTrust Online Banking as also issued to both of us.
Later Debit card was also issued by them.
On XXXX XXXX I was in XXXX, my daughter informed me that Sun Trust bank has closed my account and they refuse to give any reason and my money was collected from bank by my daughter, at the time of collecting money my daughter as given full assurance that she will not have any problem with her account and told her not to close her account.
On XXXX XXXX, XXXX when my daughter was in XXXX and was trying to book her ticket for XXXX her debit card did not worked and she phoned Bank and asked about reason, reason given was that they have closed her account and regarding her money they said that cheques is in mail and will be delivered on my address.
After coming to USA I did not found any cheques in my mail box, therefore I visited Bank with my daughter and met XXXX XXXX XXXX, Branch Manager, of SunTrust Bank, XXXX, GA XXXX, he very clearly told us that they have closed our account because we are from XXXX / High risk area, this was very insulting for us because and regarding our money he said that they have mailed cheque to us and can not do anything more and if we do n't receive or do n't receive cheques is our problem and he has nothing to do with it.
He further gave us had written note mentioning cheque numbers, cheques amount and mail date that is XXXX/XXXX/XXXX.
XXXX/XXXX/XXXX is Sunday and on Sunday Banks are closed how this cheque was mailed on Sunday, we asked him to make stop payment of so called cheque and issue us another cheque which he refused to so.
Since XXXX XXXX was not picking our phone calls and during our personal visits to bank was discriminating us we have to called customer service of this bank and asked them to inform us any other branch of Sun trust Bank from where we can get our money back and we were told to visit XXXX XXXX, Branch Manager of SunTrust Bank, XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX In this branch we met XXXX XXXX and XXXX XXXX, both of this officers were very polite and co operative and they issued us another cheques.
It took us more than a month to get our money back.
We request you to kindly inform us that if US law says that you can not discriminate any person for their location or religion and Banking code says that firms should give customers at least 30 calendar days notice before closing their accounts, than why sun trust Bank is discriminating us.
Why Bank closed our accounts without any notice If Sun trust bank does not want to keep relation with XXXX person than why they have opened our account and was sitting on our money knowing that if my daughter can not pay her school fee in time what problem she will have to face.
What action will you take against Sun trust Bank and XXXX XXXX XXXX, Branch Manager of SunTrust Bank.
How bank will compensate us for harassment, insults and problem we had to face for trusting them and opening account with them and keeping our money with them Regards XXXX XXXX.
|
| 05/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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|
Web |
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Full written timeline and statement in attachments.
Started XX/XX/XXXX, found out SunTrust still had auto loan listed as {$310.00} balance owed. Called that day and spoke to 'Recovery ' department. They told me it needed to be paid in full to come off of my credit report. I offered to pay them in full. The gentleman then stated they would take settlement of {$200.00} to close account. I paid {$200.00} in XX/XX/XXXX, bought a new car and went on with my life.
XX/XX/XXXX, found out this account was STILL on my credit report and STILL showing balance of {$310.00}. Called SunTrust and spoke to loan servicing department, they had no record of any payments being made. Transferred me to 'Dispute ' department. They stated they could not help me because they can not see the account on their end. Transferred me to 'Recovery ' department ( again ). Spoke to XXXX. She stated, yes, she could see the {$200.00} payment made in XX/XX/XXXX. Then proceeded to tell me that did not settle the account and we were given " misinformation '' about that. So, like good citizens, we paid the remaining {$110.00} XX/XX/XXXX and CLOSED this account with a XXXX balance.
Sent in multiple written requests for this to be updated as XXXX and CLOSED, but XX/XX/XXXX and it was updated again after my fourth written dispute showing " reporting is correct '' and letter from XXXX, XXXX and XXXX stating " creditor verified account is being reported accurately ''.
All 3 credit bureaus and the original creditor, SunTrust have been provided with multitudes of documents showing this account is : 1- completely paid in full 2- aged out as of XXXX Multiple written requests sent to original creditor to supply consumer with their own records to verify and validate this with credit bureaus, but original creditor has refused to send consumer account transcript with line item account details from beginning of account open date to present.
Recorded ( by SunTrust and myself ) phone call with XXXX, in 'Recovery ', on XX/XX/XXXX, will validate my fifth attempt to obtain documentation showing age of this is past 7 years from first date of delinquency. XXXX, on XX/XX/XXXX, stated she was sending me via mail the documents I requested in a written statement. She stated they would be in my mailbox in 5-7 business days. I still have not received these documents and I called again today. No information. Finally received one letter stating account was paid off ... .but no date of any payments and dated for XX/XX/XXXX and there were NO PAYMENTS MADE IN XX/XX/XXXX!!!! Account has been reported wrong for over 3 years and no one wants to do anything about it at all. This is a legal nightmare! And I have all of the certified mail receipts to prove it.
When I file disputes with the credit bureaus there is no actual investigation done. I have provided them with proof that I have requested documents and sent a letter showing this account is PAID OFF, but to no avail. I am at my wits end with this mess!
The bureaus simply forward the dispute electronically to the SunTrust Dispute Dept and they simply answer " reported accurately ''. The End.
What everyone does not realize is that the DISPUTE DEPARTMENT at SUNTRUST DOES NOT HAVE MY LOAN INFO!!!! I have verified this via phone on numerous occasions. They MUST GO THROUGH ANOTHER DEPARTMENT! And even then getting someone to get what you request and have a legal right to is not going to happen ever!!!
|
| 10/04/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
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Web |
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I find it necessary to submit another complaint, as the CFPB should know other details of our long term experiences with SunTrust Mortgage, and the predatory practices we 've experienced during the term of this loan agreement. For years I questioned why our loan had never been sold off like so many loans I 'd heard about. In selling off the loan it likely would have become a XXXX or XXXX XXXX loan, thereby allowing us to qualify for the federal government re-financing and/or modification programs. But that was not the case for us. In the last two weeks since learning of this foreclosure sale, I have learned that my home was likely classified as a 'Priority Asset ' by SunTrust . Meaning, they intentionally retained the loan due to my home 's value and the value of the community/subdivision in which it is located. Case in point, in SunTrust 's response to my previous complaint, they stated that a short sale was not granted due to the home 's value. To me this means they have targeted my family 's home since the beginning of the mortgage agreement. Fast forward 10 years to XX/XX/XXXX, and SunTrust doubles our monthly payment, thereby instigating and/or ensuring the default status would be attained. I 've also learned about 'Pool ' insurance, the insurance mortgage companies purchase to protect them in the event of default. It 's very likely that SunTrust filed a claim when we defaulted and thereby collected a settlement as much as XXXX-XXXX % of the loan amount. I 've also learned the monthly interest only payments we made for 10 years, was likely invested on XXXX XXXX, as I now understand is common practice in the mortgage industry. How much more money did they make over those interest only payments on that investing? Also, in the early years of the loan as the payment amount changed, there were times when I mistakenly shorted the check I had written for the payment. Rather than applying the amount received and advising me of the mistake, SunTrust returned my check to me, and then applied late fees. Again, as we were not able to modify the loan, we fell behind on our payments frequently, incurring late fees. We even fell 90 days behind at least twice. Those instances also cost us their attorney 's fees plus late fees. Not to mention the XXXX we incurred while collecting the money to bring it current. We tried to sell the house multiple times. In XX/XX/XXXX after we 'd had the house listed for sale for 8 months, we were able to rent the house. The rent still did not cover the {$3600.00} payment. We moved out of the house for these renters, only to be XXXX by their XXXX son while we returned to inspect the home. Of course, we advised them when we would arrive. Our agent failed to secure a background check, but I then easily learned both the son and father had criminal records. This XXXX happened to us as a result of our efforts to manage the {$3600.00} payment. Then there was our attempts to sell the house last winter. Our reputation has been smeared by public foreclosure notices and the onslaught of junk mail received from other predators hoping to capitalize on our misfortunes. The XXXX caused by our trying to manage this mortgage has had an impact on my health. In XX/XX/XXXX during one of the periods we fell 90 days behind, XXXX. XXXX. XXXX. In XX/XX/XXXX and XX/XX/XXXX during our attempts to sell the house then, XXXX. I still suffer from XXXX. The result of trying to manage the mortgage.
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/XXXX I looked at my avail balance and seen that I had enough to pay my cable bill. The payment was posted and deducted from my available balance. On top of my primary direct deposit, I also XXXX XXXX and it too is deposited into my account. The way it works is a payment goes into a pending status until fully paid. The way Suntrust works, any item that is pending will result in {$36.00} overdraft fees. On XX/XX/XXXX That payment was no longer showing as pending. I had XXXX XXXX so I would have seen my avail balance increase. So I didnt think anything of it, Especially since I have been a customer with Suntrust since XX/XX/XXXX. Nothing showed pending from XX/XX/XXXX XX/XX/XXXX On XX/XX/XXXX I had enough money to pay my car insurance and get groceries ( based on me looking at the balance and whats pending ) where I ended the night having {$23.00} in my account. I wake up XX/XX/XXXX I was hit with 6 overdraft fees at {$36.00} each! Over the last few days, I have been hit with 12 over draft fees.. 12!!! Totaling {$430.00} just in fees! I spoke with several people at Suntrust.. One lady says I see that payment was declined for wrong routing number. I explained maam thats not true. Here is the confirmation # of the transaction onXX/XX/XXXX.. Another person looked and said hmmmm I said what? She said I see it posted XX/XX/XXXX and there XX/XX/XXXX but the transaction went missing and didnt show back up til XX/XX/XXXX.. She stated that what may have happened was the merchant didnt claim the money so it dropped off. Okay, how is that on me? I am looking at my avail balance before I made the payment for my insurance. How would I know that it dropped off? Did I get a call, a email, a alert? You wouldnt have known Sir, its on the back end.. Hmmm, yet im penelized by it???? I asked for supervisor.. Explained it all to her! She blames me saying that its a tool that I should keep a ledger. So I asked, so does that mean that my balance before that transaction isnt true? Not saying that Sir! If I go into your branch and ask or a checking balance, a ATM balance, log into your website, and even the app would that balance say the same Yes! So why if this transaction somehow went missing and popped back up 5 days later am I hit with 12 - {$36.00} overdraft fees? If went off what was pending and avail balance before making the payment. She offered to remove 2 overdraft fees 2, after 10+ years???? I have made many mistakes on my account in that time frame, but this.. this is not my fault and its unfair that I have to pay {$430.00} in overdraft fees for a glitch This was a selling point to get me to sign up with Suntrust! That your balances will be real time on line for review..
I did do a claim for them to review. I spoke with several people. They said that the funds will be released back into my account until the investigation is over which never happened. At the end of the day, i assumed that they would see that this wasnt my fault. I mean, literally i looked at my balance before making the payment. In total, now on XX/XX/XXXX - I have been hit with 21 overdraft fees - 21!!!!! {$750.00} = My account is currently - {$1100.00}, I stopped my direct deposit cause i need to live and pay bills. This is really ubsurd! I have made plenty of mistakes and owned up to it. Even paid the price of the over draft fees as it was my fault. I have even asked to have some of them waived. But this, was/is not on me!
|
| 04/08/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
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I received funds from the total loss of my home in the form of a check made payable to me and Suntrust Bank, because I owed an equity line of {$60000.00}. I spent two hours on Friday, XX/XX/XXXX trying to find out how to deposit the check, pay off the equity line and receive the remaining money into my account the quickest way possible, since I have to have the house demoed in a timely fashion in order to be in compliance with code enforcement. I left that day with the check still in my hand and no resolution, due to the fact that the man trying to help me was trying to force me to sign an affidavit that I was rebuilding the house, when I am not. The next day, Saturday, XX/XX/XXXX I spent another 1 1/2 hours in another branch of the bank with a very helpful man , XXXX XXXX. I described to him what had happened the day before and he called someone from what I believe was a corporate office help center and received instructions on how to handle the check. My main concern was that the funds would not be held up, I stated this several times. I even went so far as to say that if the funds were going to be held up that I would have the insurance company reissue the checks in order to prevent that. XXXX XXXX was assured by a man named XXXX XXXX that the process would be completed by Friday XX/XX/XXXX and I would have my funds directly deposited into my checking account. Again I was told to sign the affidavit that I had refused to sign before because I am not rebuilding the house. XXXX XXXX resolved this by having me write a letter about what my intentions were about the house. The bank paid off the equity line on Thursday, XX/XX/XXXX, along with charging me over {$500.00} for paying it off early and a {$10.00} service fee for what I am still not sure. I called Thursday and spoke to XXXX XXXX who said she was looking at the screen and my funds would drop in the nightly postings that night, and would be available in my account on Friday as I had originally been told. The remaining funds were not put into my account as promised, even though I had now been told by 3 people that they would be. When I called to find out what the problem was I was told that my funds had a 10 " banking day '' hold on them and would not be available until XX/XX/XXXX! Suntrust deceived me into handing over a check for {$170000.00} for a loan of {$60000.00} by telling me over and over that I would have my money by Friday, XX/XX/XXXX, when apparently every one of them know that they were lying to me! All of my phone conversations were supposedly recorded so I am sure that you can pull up the records and listen to several people deceive me into depositing my check with you, instead of having the checks reissued. Being in my home when the fire started on my porch and watching it burn for 20 minutes waiting on firefighters was devastating, but my insurance company issued me a check on the 2-week anniversary of the fire. Suntrust on the other hand deceived a customer of almost 25 years and will have control of my money longer than the insurance company took to pay off on my loss - that is insane! This is a perfect example of your company deceiving someone that has been a loyal customer, that suffered a devastating loss, and that would have remained a customer indefinitely. I am appalled by the lack of concern for me as a customer, and the ease in which people in authority were able to lie to me knowingly!
|
| 03/28/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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The payment amount on our mortgage doubled to {$3300.00} per month on XX/XX/XXXX. We kept up the payments through XX/XX/XXXX. In the meantime, we had listed the house for sale and we entered into a Binding Agreement with the buyer for the house on XX/XX/XXXX. The house closing was scheduled for XX/XX/XXXX. We moved out of the home on XX/XX/XXXX. The buyers extended the closing twice, then were in breach as of XXXX. They assured us they would close, but then terminated the contract with no reason on XX/XX/XXXX. We got the house back on the market as quickly as we were able. After several attempts, I was finally able to get through to a rep, XXXX XXXX XXXX, at the SunTrust Loss Mitigation department on XXXX XXXX. He advised me he was my regular rep. On that phone call, I was informed that they had scheduled a foreclosure sale date of XXXX XXXX. I told him we had received a letter stating the next increase in payment, but had NOT received any written documentation or any phone calls informing us of the foreclosure. I was advised I could avoid or delay the foreclosure date by completing documents for a loan modification. I was told the paperwork had to be submitted two weeks in advance of the sale date. As both my husband and I are self-employed, we had to get our financials completed by our respective accountants. In the peak of tax season, this took time. However, I did get the documents submitted on Monday, XXXX XXXX, along with a hardship letter. I received confirmation of their receipt on that same day, by someone other than my rep. I was told my rep was unavailable, which forced me to have to speak with XXXX-XXXX different reps each time I called to follow up. This caused much confusion and misinformation about the loan modification process, the paperwork 's accuracy, confusing terminology, and learning of information was not provided in a timely manner. One of the reps, XXXX XXXX XXXX, displayed a cold, robotic manner, offering no help or empathy, which inflamed the situation even further. I left messages for the department 's supervisor, XXXX XXXX XXXX, but received no return phone call. On Friday, XXXX XXXX, I called again and reach XXXX XXXX XXXX. He said he had no update on the status of the modification process, after I was first informed we should have had a response within 24-48 hours of the receipt of the paperwork. He advised me he would look into it and call me back. I did not receive a call back from him that day or on Saturday, XXXX XXXX -- as he advised he would be working that day. I called again this morning, Monday, XXXX XXXX at XXXX, and was connected with XXXX XXXX XXXX . Again, the conversation with her was filled with much confusion and aggravation. Yet again, her cold, robotic manner, and short, clipped responses along with her defensiveness, inflamed the conversation in this highly stressful and emotional situation. Through her confusing terminology, my understanding at this point, is they have rejected our loan modification request and will proceed with the foreclosure sale date of XXXX XXXX. Following that phone call, I sent an urgent email to XXXX XXXX XXXX, President & CEO of SunTrust Mortgage, complaining of my experience with the Loss Mitigation department, and seeking her intervention. I 've also left her and her assistant voice mail messages, and have not received any replies. Time is of the essence. We must stop this foreclosure.
|
| 11/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
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SunTrust Mortgage has been trying to force a foreclosure on my house for years now. Harassing phone calls and letters to intimidate me. They have not been applying my payments and misapplying payments and advise me to not pay until they figure out my mortgage. It started in XX/XX/XXXX with a misapplied payment. XXXX was payed on my XXXX mortgage and payed it off. XXXX mortgage was XXXX. I was contacted by SunTrust Mortgage and told my house would be foreclosed for no payment. I explained I payed at branch. I went back to the branch and was told the payment had been misapplied. So I spoke with branch XXXX and they said they would fix it. I made another payment a couple days later of XXXX to satisfy my XXXX mortgage. They held money in suspense. I made my XX/XX/XXXX payment in the amount of XXXX. Again held in suspense. I am told to not make anymore payments by SunTrust Mortgage. XX/XX/XXXX rolls around and I get letter of forclosure. I contact SunTrust and threatened to seek legal help. They send me to there escalation department. They cancel my life insurance in XX/XX/XXXX and did n't tell me. I 'm getting rude calls from associates from SunTrust Mortgage. Threatened forclosure and telling me that I need to bring in XXXX and it would satisfy my payments for XX/XX/XXXX and XX/XX/XXXX because they close the XXXX mortgage. I EXPLAINED that I would sue them if they did n't apply my money where it was supposed to go. Every time I took in money that and XXXX told me to take in they acted like they was n't going to apply it. It sat in suspense for 4 months causing my credit score to drop to a XXXX. I got a letter saying that they would foreclose in 14 day in late XX/XX/XXXX. So I reached out to Hud then hope and had a councilor go over my case. We did a conference call. All this time they would n't let me speak with my home preservation XXXX but when my hope councilor call in with me they changed there tone and started working on it. I had been trying for 4 months to get it resolved. My hope councilor spoke with them and got in contact with my home preservation councilor first phone call. This was a Tuesday. By Saturday they applied the misapplied payment. Then told me to bring in XXXX and something dollars and then XXXX for second loan to fix it. Then turned around and misapplied the XXXX something and called me again harassing. My credit still has n't been fixed and Im tired of SunTrust Mortgage trying to be slick. If I would n't have seeked a professional help they would of forced me out of my house and kept my money. After it all was said and done I was 2 months ahead with my mortgage. My property value has tripled and I have owned the house 9 years paid XXXX it 's worth XXXX I owe XXXX they have made there money off me if they could of forced a forclosure they could sale my house easy and make a quarter XXXX dollars. XXXX ... ... ... Shame on SunTrust Mortgage. Oh yeah 9 years and they will not refinance, modify, or let me access my equity. I am still at a XXXX intrested rate. That 's why the messed up my credit because other lenders are reaching out to me to refinance. They are discriminating against me. They ca n't explain or show me how they have been Appling my payments and say I owe them XXXX in late fees when I was paying XXXX a month. XXXX is my mortgage. I WAS TOLD TO PAY XXXX FOR LATE FEES. HIGHWAY ROBBERS. HORSE THEIF. CATTLE RUSTLERS. shame shame shame.
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| 06/01/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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In 2010 I was wrongfully foreclosed while in loan modification with SunTrust Bank. I was initially denied loan modification and had to hire a XXXX party to get the bank to respond. While I was in loan modification the bank foreclsed on me and demanded I vacate my house. For the first 8 months of the loan modification ( which was only supposed to be XXXX payments as per their documentation ) SunTrust sent back all my payments, I had to resend XXXX XXXX x, the bank claimed I did not have a note with them! The loan modification docs indicated it would be XXXX payments, they kept it in loan mod for XXXX as long. They did not do correct accounting and by refusing my payments while in loan mod they attempted to deny again. They delayed the loan modification by stalling on accepting payments and creating late fees. They foreclosed on me while in loan mod and then did not change ownership back to me when the foreclosure was rescinded in court.
It took almost 2 years to get that wrongfull action addressed and SunTrust did go back to the court and rescind the foreclosure, I then had to threaten lawsuit to the law firm for not changing back the county filed record of ownership whcih took 3 years for them to correct. I qualify for multiple compensation categorys as a result of wrongs committed by SunTrust and their law firm XXXX and XXXX.
I received in the mail a notification of a class action settlement for the above. I contacted the agency that is responsible for processing the SunTrust HAMP Settlement to individuals who had been wronged by SunTrust. IN the participation and release form it states that if you qualify for more compensation and would like a review of your case to notify them in writing which I did. I sent them XXXX pages of documentation for the additional deeds that were committed by SunTrust . I sent a letter requesting a review with the release form as directed by the XXXX, XXXX, at the Hamp settlement location. I followed up with the agency 2 weeks later to find out status of reivew, they told me there is no process for such and that I released them from any further claims!!! Under their direction I had signed that release form, the agent, XXXX had said that is the process to start the review. When I called back, I got another agent that told me I was given wrong information and that there is NO Review process. THEY LIED once again!!! NOt only have I been lied to by SunTrust, but now am being lied to by the very government mandated agency that is supposed to right a wrong! I sent proof of the mulitple wrong doings of the bank and they told me I was not eligible, even though it clearly states in the form sent out to me to file the claim. My desired resolution is for the case to be reviewed given the evidence that SunTrust is obviously not releasing, and to be compensated as per the stated damages mandated through court action. SunTrust knowingly called my insurance company while I was in loan mod, and told them I was no longer the owner so that my policy would be cancelled and suntrust could bilk me for an outrageous insurance binder thereby increasing what I owe, this I believe was rolled into the modification amount. I also was dealt a very bad loan modification deal and am upside down with the loan still, ie the loan is more then the house is worth.I wish that they reduce the loan amount to reflect the value, and get a fixed rate that is manageable.
|
| 06/20/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
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SunTrust Loan Number : XXXX SunTrust Customer Number : XXXX On XXXX XXXX, XXXX, we closed on a loan with SunTrust Mortgage to build a primary residence at XXXX XXXX XXXX XXXX, XXXX, GA, XXXX. This contract was SunTrust 's construction-to-permanent loan product, a one-closing loan, to be converted into a permanent, 30-year adjustable-rate loan after the construction process, and certificate of occupancy was obtained. Please see the attachment showing various SunTrust Mortgage products, XXXX of which is the one-time closing, construction-to-permanent product, that we were given in XXXX from the financial representative for the builder. We moved into our home in XXXX of XXXX. We continued to receive statements for interest payments on our construction loan from SunTrust. We continued to pay all interest payments, as required by SunTrust, monthly, until we received a notice in XXXX, XXXX, stating our construction loan was due in full. Before XXXX, XXXX, no effort was made by SunTrust Mortgage to convert our loan to a 30-year, adjustable-rate mortgage.
SunTrust Mtg. began foreclosure procedures in XXXX, XXXX. At this time, SunTrust informed us we had to re-qualify for the loan. This was absolutely in violation of the original loan paperwork. The loan was a construction to perm, with a 1-time closing for all. SunTrust knew we would not be able to re-qualify, as in the time period of beginning to build our home and XXXX, our family business was hit hard by the financial climate. ( Yes we were still making the interest payments on the contruction phase of the loan in good faith of an eventual conversion to permanent ). We asked for an opportunity to modify our loan with SunTrust Mtg. SunTrust contacted us and requested information to modify our loan, however, after submitting items as requested by SunTrust, all communications from SunTrust ceased. SunTrust did not communicate with us as to whether or not we were approved for a modification. We heard nothing from SunTrust, until they contracted us to resume foreclosure procedures in XXXX, XXXX. We then attempted to gain some assistance via the Independant Foreclosure Review process. After being denied assistance through the Independant Foreclosure Review process, we contacted XXXX XXXX ( the company heading up the Independant Foreclosure Review ), to ask why we were denied. XXXX XXXX informed us that SunTrust refused and said our loan was for a home that was not our primary residence. The aforementioned loan was, in fact, for our primary residence.
We believe we fell through the cracks for any type of assistance, due to the fact that SunTrust never " permed '' up our loan ; thus, our loan was never serviced as a conventional, adjustable-rate, 30-year loan. As we were not " permed '' up, our loan was always in a contruction loan category.
We attempted to contact SunTrust to request our loan be modified, however, SunTrust never communicated with us regarding loan modification. SunTrust foreclosed on our loan in XXXX, XXXX, selling it on the courthouse steps for almost XXXX of our original purchase price. The amount SunTrust sold our home for would have been a managable loan for us, had they worked with us to modify our loan.
We believe SunTrust is in breach of contract, by failing to convert our construction-to-permanent loan into the 30-year, adjustable rate mortgage, as agreed upon in the loan.
|
| 10/18/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
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Improper Procedures Regarding SunTrust Access 3 Home Equity Line of Credit : As an existing SunTrust customer with a SunTrust first mortgage, I received several online solicitations and was actively solicited in the branch for a home equity line of credit ( which SunTrust calls Access 3 Equity Line of Credit ) during XXXX and XXXX XXXX. The numerous online customer cross-sell solicitations promoted a low introductory rate of 2.99 % with no closing costs or fees. As a result of the heavy cross-sell promotions, I was persuaded to apply for the Access 3 Home Equity Line of Credit on XXXX XXXX, XXXX. Due to my stable employment and income as a SunTrust employee, my application was approved and a full appraisal was ordered. The full appraisal ordered by SunTrust Bank was completed on XXXX XXXX, XXXX and valued the home at {$820000.00}, significantly higher than any previous appraisals. At the time of the application, I had a SunTrust first mortgage with a balance of {$450000.00}. I also had a XXXX XXXX XXXX XXXX XXXX line with a credit limit of {$100000.00} and balance of {$81000.00}. SunTrust approved the new Access 3 Home Equity Line of Credit with a {$200000.00} credit line and committed that SunTrust would pay off and close the home equity line with XXXX XXXX XXXX. The new SunTrust line of credit combined with the SunTrust first mortgage created a loan to value ratio of 80 % assuming the XXXX XXXX XXXX line of credit was paid off and closed. The SunTrust Access 3 Home Equity Line of Credit was opened at a local SunTrust branch on XXXX XXXX, XXXX. I signed SunTrust closing documents stating that the XXXX XXXX XXXX Home Equity Line of Credit balance of {$81000.00} would be paid by SunTrust and closed on my behalf resulting in the removal of the property lien associated with this loan. I also signed the payoff letter that SunTrust committed to use to payoff and close that the XXXX XXXX XXXX credit line. I monitored both home equity credit lines over the following two months and saw that the XXXX XXXX XXXX credit line was neither paid off nor closed. I called the SunTrust branch office that opened the loan and informed them of the lack of payoff and closure. I was told to continue to wait and keep monitoring. After several weeks passed, I notified the branch office twice via phone message that the XXXX XXXX XXXX account was still active with a balance but never received a response. SunTrust 's obligation to payoff and close the XXXX XXXX XXXX Home Equity Line of Credit and remove the lien on my property was clearly described in the SunTrust closing documents including the " Disbursement Request and Authorization Form '' and " Payoff Authorization Letter ''. SunTrust failure to fulfill this obligation created a loan to value ratio of 93 % ( first mortgage balance {$450000.00} + SunTrust HELOC {$200000.00} + XXXX XXXX XXXX HELOC {$100000.00} = {$750000.00} / {$820000.00} = 93 % ). This exceeds any reasonable mortgage LTV ratio recommended by banks, financial institutions and government agencies. I was laid off in XXXX XXXX and was left with no source of income. SunTrust 's improper procedures and failure to adhere to the Home Equity Loan contractual agreement and payoff and close the XXXX XXXX XXXX credit line has left me with an exorbitant LTV ratio, minimal home equity value, a precarious financial situation and an additional lien on my house.
|
| 05/27/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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|
Web |
Older American |
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Due to the aging process, in which I 'am currently XXXX years old ; I added my daughter to my bank accounts ( I have a Money Market and checking account at SunTrust Bank ) as a joint account holder XX/XX/XXXX. I also moved into a Senior Living Community, since my retirement and social security benefits sought of equals my rental expenses, so I figured that I could afford to live alone. Due to my age and no longer do I have access to my own transportation, she and I agreed that she would assist in managing my monthly expenses and possibly, any other unexpected situational crisis that may arise such as emergencies, hospitalization and even, in the event that death may occur, she would have access to my money. These mentioned accounts are my life savings, and I had preplanned for many years to use my money for retirement to afford me my independence and most of all, to avoid imposing on my XXXX daughters and other family member 's lives. I was solely depended upon my youngest daughter and entrusted that she would oversee that my monthly financial responsibilities were met on a daily basis without taking advantage of me.
After a year had passed, and although I believe that my youngest daughter had been managing my monthly expenses, my intuition told me to visit the bank to inquire about my account balances, and on the day of XX/XX/XXXX, my grandson and I visited the SunTrust bank located at XXXX XXXX XXXX, XXXX, Md., to learn that my life savings were {$26000.00} short.
The evening of XXXX XXXX, my grandson contacts my youngest daughter to inquire her knowledge of the missing money from my account. While referring to the printouts that the bank representative provided us, he referred to the last XXXX transactions and my daughter admitted to withdrawing all XXXX transactions. He advised her to contact me as I was very disturbed of the discovery of my missing money. When she called me, she was crying, and apologized. She further told me that she really needed the money.
My grandson and I contacted the SunTrust Fraud Protection Department and I was told that my daughter was making " Over the Counter '' withdrawals from my account using her own issued ATM/debit card to receive cash disbursement transactions using via pin number. I was n't aware that she even possessed an ATM card. The fraud department reported that approximately XXXX cash withdrawal transactions were processed by use of this ATM card. The Fraud investigator explained to my grandson that although this happens quite frequently, it 's a valid act of the joint accountholder as the joint accountholder have full rights and access to the money in my account. She further mentioned that SunTrust is not liable for reimbursement.
When seeking assistance to pursue criminal charges against my daughter, the XXXX Maryland XXXX rejected my request for a warrant to be issued due to failure to provide the exact location where each ATM withdrawal transaction took place to show probable cause for an arrest. When we returned to SunTrust to request the needed information, they refused to provide us with the information needed and suggested that this request requires extensive research which is very time consuming and may impose an exuberant cost or expense. At this time SunTrust Bank will not provide me any further assistance to enable me to take the necessary legal action to recover my loss.
|
| 01/08/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
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On Tuesday, XX/XX/XXXX, I found my SunTrust savings account was overdrawn by {$99.00} on XX/XX/XXXX. It stated Status " HOLD ''. I only had XXXX cents left in the account before this. I called SunTrust customer service and asked what this was all about. They said due to a Writ of Garnishment being filed for a debt, that {$100.00} was deducted from my account. I told them I did not know anything about it and received no advance notification. I asked for details, but was told by the customer rep that I would have to call " Florida Garnishment ''? Whoever they are.
On XX/XX/XXXX, I received paperwork by U.S. mail regarding a Writ of Garnishment filed by XXXX XXXX XXXX, XXXX. from the XXXX XXXX XXXX XXXX XXXX XXXX. in XXXX. I found several problems with the paperwork. I looked up the Florida Statute and from what I can tell, proper procedure was not followed.
" When a creditor seeks a garnishment, the clerk of court must send notice to the debtor regarding the garnishment. '' I only received paperwork from the XXXX XXXX XXXX XXXX XXXX. I never received anything directly from the Clerk of Court. That is supposed to take place before any attempt at garnishment and collection of the debt. My SunTrust Bank savings account had a grand total of XXXX cents as a balance. Before I learned that it was SunTrust who deducted {$100.00} for 'legal fees ', I asked that the Clerk of Court make sure that the {$100.00}, or at least {$99.00} is deposited back to my account and that any fees or NSF charges that may have occurred as a result, be paid for as well.
" Additionally, the creditor must send the debtor notice of the garnishment, by first class mail within 5 business days of the writ of garnishment being issued. '' The Plaintiff 's Motion For Writ Of Garnishment is dated XX/XX/XXXX. The actual Writ is dated XX/XX/XXXX. According to the Certificate Of Service, all of this paperwork was not mailed to me until XX/XX/XXXX. According to the Florida statute, the plaintiff failed to meet any of the deadlines. Therefore, I requested that the Clerk of Court dismiss the case with prejudice. I sent a copy of the letter to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. The following week, I received a Dismissal of Garnishment dated XX/XX/XXXX from XXXX XXXX XXXX.
In the meantime, I received several overdraft notices in the mail along with several robo call messages to call SunTrust about the situation. I called and talked to a rep and explained that the Writ should never have been filed, the law group failed to follow procedure, no one gave me advance notice about the Writ and legal fee deduction, and the Writ was ultimately dismissed. The rep said that I had to contact the debt collector about this and in the meantime, I needed to cover the overdraft or else my savings account would be closed in 60 days. I said, " Why wait? Let 's just close it now and you keep the XXXX cents. '' He said that could not be done, that it would happen automatically in 60 days. I said fine, then we'll just let it happen in 60 days. He did not warn me there would be an additional 'Charge-off Account Fee ' of {$30.00}. I just received a letter from SunTrust, dated XX/XX/XXXX that I now owe them {$120.00} and the account " ... has been referred for collection ''. Before that, I had sent letters, made calls, and exchanged e-mails with SunTrust regarding this situation, all to no avail.
|
| 07/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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on XX/XX/XXXX at XXXX XXXX, i pulled into the suntrust-XXXX XXXX branch in XXXX, ga to make a {$2800.00} ( all {$100.00} bills ) cash deposit. all drive-thru windows were closed. so i went to the drive-thru atm machine. i counted my money twice and proceeded to deposit the cash into my checking account. using my business debit card, i followed the deposit cash instructions on the screen. i deposited {$2800.00} USD into the machine. the machine counted {$2200.00}. i then canceled the transaction ; hoping to retrieve all of my money back. i hoped wrong. instead all the original cash i deposited into the machine, i was dispersed {$2200.00} back without a way to account for my missing $ XXXX.naturally, i went inside the branch to inform an employee of my bank-inflicted loss and retrieve my missing {$600.00}. i was given a telephone number and instructed to file a complaint with the fraud dept. my name, account number and long-time trustworthy Suntrust customer stauts was of no concern to this employee. when i filed my complaint at around XXXX XXXX that day, i was told i would not receive a credit until an investigation was done, which could take up to 10 business days. i find this absurd because other banking institutions either provide an immediate credit or check their broken atm on request. frustrated from knowing i did n't have any proof besides the camera footage of me counting my money, i went to speak with the branch manager early the next morning ; thinking, as manager, she would be able to help me by balancing the machine and / or watching the video footage. i thought wrong. the XXXX XXXX manager told me 00 ) she could not help me 01 ) she had no access to the atm machine 02 ) the atm does n't get checked until thursday. it was friday morning. so i had no other choice but to wait patiently and pray whoever checked the atm was no dishonest thief. i believe it was friday XX/XX/2017 when Suntrust credited my account with {$600.00}. and though i felt improperly handled, i figured all was well. i figured wrong. i did n't find out until XX/XX/2017 that on XXXX Suntrust debited my account for {$600.00}. when i inquired with the fraud department about my funds, they said the money was taken out because the result of the investigation is " the machine counted {$2200.00}. that 's all that was deposited. '' i immediately got offended because either the Suntrust fraud department is calling me a liar or 1 or more Suntrust employees and / or contractors are dishonest thieves. so i asked to be escalated to a dept supervisor. i got XXXX XXXX who refused to help when i requested the video footage. i asked to be escalated to a manager. so XXXX forwarded me to XXXX XXXX ; who also refused to help. XXXX forwarded me to his manager, XXXX XXXX ' vm ; of which i have n't received a response, yet. i want to go on record that i am no thief. i am no liar. in fact, i am XXXX 's Chosen whose word is proven 96 % trustworthy. so money does n't mean as much to me as it might mean to most. this means, greater than likely, i am telling the truth. this also means, someone from Suntrust stole that money. be that as it may, i am thankful your agency exists. for i suspect many innocent others are being robbed in plain sight by Suntrust and other major and minor bloodsucking and unlawful banking institutions. thank you for your time and consideration.
|
| 01/11/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Based on reports released, I was eligible for payments ; a borrower must have had a mortgage loan owned by the XXXX ( better known as " XXXX '' ) or the XXXX ( better known as " XXXX XXXX '' ). The loan had to have been serviced by SunTrust and the borrower must have applied for and started a HAMP trial with SunTrust by XX/XX/XXXX. The borrower must also qualify for at least one Victim Compensation and Restitution Plan category. However, the borrower 's loan does not need to be currently serviced by SunTrust, and it does not matter whether the borrower entered into a HAMP or alternative modification, the HAMP application was denied, or the loan went into default or foreclosure.
( ) The loan servicer failed to adequately respond to a Qualified Written Request ( and an bona fide issue over whether there is a default or what amount was actually owed etc. ) ( 4 ) The lender or loan servicer ( agent of lender ) failed to follow the foreclosure rules ( ex. in regard to the notice of default / notice of sale / contact requirements under 2923.5 etc. ) ( 5 ) The default was " cured '' most likely due to a modification agreement / trial plan agreement etc.
According to XXXX This settlement resolves an investigation by the United States Department of Justice ( `` the Government '' ) into the administration of the Home Affordable Modification Program ( " HAMP '' ) by SunTrust Mortgage , Inc. ( `` SunTrust '' ).
The Government 's investigation confirmed, and SunTrust agreed, that there were numerous problems with SunTrust 's administration of HAMP from XX/XX/XXXX through at least XX/XX/XXXX. This included, statements to customers that were not accurate, and thousands of homeowners who applied for a HAMP modification with SunTrust suffering harms that included damage to their credit scores, excessive capitalized interest, and being prevented from making an informed choice about saving or disposing of their homes. Congress enacted the Fair Housing Act of XX/XX/XXXX in order to promote equal access to housing opportunities. The Fair Housing Act ( along with its amendments ) states that property owners, financial institutions, and landlords may not discriminate on the basis of race and national origin ( the Act also prohibits discrimination based on sex, religion, family status, disability, and more ). Specifically, property owners, financial institutions, and landlords may not take the following action ( or inaction ) based on race of the actual or potential buyer, tenant, or applicant : Refusing to rent or sell housing ; Refusing to negotiate for housing ; Making housing unavailable ; Providing different terms to different people ; Setting different conditions or privileges for sale or rental of a property ; Denying access to or membership in a facility or service related to the sale or rental of housing ; Imposing different rates and terms on a loan ; Refusing to make a mortgage loan ; and Discriminating in appraising property. Almost all forms of housing are covered by the Fair Housing Act. There are, however, several exceptions to these prohibitions. Generally, owner-occupied buildings with no more than XXXX units, single family housing sold or rented without the use of a broker, and housing operated by organizations and private clubs that limit occupancy to members do not have to comply with the Act. - See more at : XXXX
|
| 08/31/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
This matter involves XXXX, 2016 a CHECK # XXXX cleared for {$130.00} as merchandise not received and Suntrust not filing a dsipute so as to protect and assist me to get my money back.
I contacted merchant owner XXXX to return the cable box I purchased XXXX XXXX 2016. The reason for the return the cable box was not plug and play. I had to purchase a card from XXXX XXXX. XXXX authorized the refund XXXX XXXX, 2016 for {$130.00}. XXXX convinced me that the new thing will be XXXX and I could get in on it that it will be available within 2 to 4 weeks. We made a deal that he would receive the cable box and send me the XXXX. I sent the cable box back on XXXX XXXX, 2016 it cost me {$27.00}. It have been over seven weeks and I have not receive the iptv. I call XXXX several times and email him. I have not received any responses. I also noticed that several other people have complained about this business on XXXX. This business has multiple emails and address Online Cable Boxes XXXX XXXX XXXX, XXXX . XXXX XXXX, CO XXXX XXXX XXXX, XXXX . XXXX XXXX, CO XXXX Tel : XXXX XXXXXXXXXXXX XXXX. I submitted a complaint XXXX/XXXX/2016 with the XXXX Colorado XXXX Complaint ID:XXXX merchant no responses cased closed.Date : XXXX/XXXX/2016 XXXX XXXX, 2016 a CHECK # XXXX cleared for {$130.00}. I have contacted the merchant as well as the XXXX of Colorado Attorney General in hopes of recovering the funds to sent to this business. State of Colorado Department Of Law Office of the Attorney General RE : XXXX XXXX aka XXXX XXXX XXXX Dear XXXX XXXX : Thank you for contacting our office with your concerns as we are in receipt of your complaint. Fraud reports enable our office to identify and devote our limited resources to cases supported by law involving widespread harm to Colorado consumers and the associated business environment. Information from the public contributes to potential investigations and may lead to possible legal action taken on behalf of the State of Colorado. As a result we will keep the information obtained from your complaint as part of our ongoing efforts to identify businesses that may engage in patterns of deceptive practices in Colorado. Although we can not take direct action to resolve your concerns, you may also wish to file a report with the XXXX at XXXX or by calling XXXX, telephone option 1 as the XXXX offers no-charge dispute resolution services for a number of consumer issues. While the Colorado Attorney General is chief legal counsel to state government and is responsible for protecting the public interest, the Attorney General is not authorized to serve as legal counsel or advisor to individual citizens and is prohibited in providing legal advice, interpretation, or counsel to private citizens. Should you desire a legal opinion relating to your specific situation, we recommend contacting a private attorney or one of the services that provide legal assistance through the local bar association and/or other entities. Additional resources XXXX be available on our website at XXXX. We appreciate the time and effort you took in bringing your concerns to our attention. Information from the public is vital in helping us properly document trends, pursue investigations, and ultimately to file lawsuits on behalf of the public. Sincerely, Consumer Fraud Specialist Consumer Protection Section ( XXXX ) XXXX or XXXX XXXX
|
| 09/14/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
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Our mortgage agreement with SunTrust Mortgage was entered into in XXXX XXXX, which is a 10 year interest-only, adjustable rate loan. On XXXX XXXX, XXXX SunTrust doubled our mortgage payments, going from approx. $ XXXX to approx. {$3400.00} per month. After 10 years and {$100000.00} down payment, we could no longer afford our home. We readied the house for sale and got it listed in early XXXX XXXX. We continued making the payments as long as we could -- till about XXXX. Also in XXXX XXXX, we secured a purchase agreement on the house, with a closing date of XXXX XXXX, XXXX. The afternoon of XXXX XXXX, XXXX our realtor advised us the buyers needed to extend the closing to XXXX XXXX, XXXX. As we had already secured a rental house in which to move, we signed the extension and moved out of the house, honoring our end of the agreement. Ultimately, this buyer breached the contract and submitted to us a termination on or about XXXX XXXX, XXXX. We re-listed the house as soon as possible. I had made a phone call to the SunTrust Loss Mitigation Department about that same time, and learned they had scheduled a fast track foreclosure sale date for XXXX XXXX. After filling out a loan modification application and dealing with much misinformation, confusion and trauma with their XXXX XXXX Department, I filed a complaint with the CFPB. Supporting documentation of this purchase agreement was provided to SunTrust and to the CFPB. We continued our efforts to sell the home ( another contract was secured, but also lost in XXXX XXXX ). Supporting documentation of that sale agreement was also provided to SunTrust. I then moved back into the home the week of XXXX XXXX, XXXX. Via an email of XXXX XXXX, XXXX, I informed XXXX XXXX, XXXX. XXXX XXXX of SunTrust Mortgage that I had moved back into the residence. In that email, I clarified my understanding of the law on fast track foreclosures, in that, they are not permitted while the homeowner is residing in the home. His reply email on XXXX XXXX, acknowledged receipt of my email and my moving back into the home. Since that time, we have relisted the home for sale, as we still can not afford their astronomical payment and demands for over {$30000.00} to reinstate the loan. Yesterday, XXXX XXXX, I learned from my realtor that SunTrust has now advertised on-line a foreclosure sale of XXXX XXXX. I have not been notified of the sale date by SunTrust Mortgage or their attorney. My realtor has advised me, that the notice of the sale is NOT listed with the tax assessors office in XXXX XXXX, or any other means by which a licensed realtor has access, but can only be found with a XXXX search of my home. While we 'd had an interested cash buyer, of whom it was they who advised my realtor of their XXXX search, that cash buyer has now stated they are no longer interested in purchasing the home at my asking price.
In the first 10 years of our mortgage, SunTrust earned pure profit from us through our monthly payments, to the tune of XXXX to XXXX of the mortgage amount. Yet, not XXXX dime of the monies we paid them went to the principle balance. I understand that this mortgage type is no longer legal. Additionally, the trauma of all these events has been too much pressure on our marriage, and we have now parted. If SunTrust is permitted to proceed with the XXXX XXXX sale, I will be left homeless.
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| 08/02/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX a fraudulent transaction was made for {$.00} followed immediately by a {$2800.00} fraudulent transaction in our SunTrust bank account on our debit/check card. This fraud pattern is a fairly typical pattern and should be detected easily. SunTrust has inadequate fraud controls which failed to detect fraud on these transactions despite the fact that I had called within the past two weeks to provide them with my location ( vacation in Florida ) for the time period in question ( these transactions were not typical for my account and were not made in the location I had provided to SunTrust for my location over two weeks beginning on XXXX/XXXX/17 ). The small and large fraudulent transactions which SunTrust controls failed to detect was caught by three channels all of which are not named SunTrust. Thankfully XXXX, XXXX, and my wife watch our accounts and detected the anomalies. We notified SunTrust of the activity ( they still had not identified any issues ). After notifying SunTrust of the issue and of their inability to detect fraud they have refused to make the funds available while they research which will take 10 business days. The issue there is that I am on a family vacation for only 4 more days. I do not know how they could pass any credible audits on their control infrastructure to ensure appropriate controls are in place to protect their customers from fraud. Additionally, their failures to protect customer accounts from the most basic fraud patterns result in the consumer bearing the financial burden of Suntrust 's failures as a bank. Customers should be aware of these policies ( takes up to 10 bus days to replace funds made fraudulently ) prior to opening accounts so that they can make informed decisions on the burden they will most assuredly bear at some point due to Suntrust 's inability or incompetence with respect to designing fraud controls. This issue also calls into question Suntrust 's core values. At best they are not adhering to any core mission value that focuses on doing the right thing or at worst, SunTrust does not have a core mission value aligned to doing the right thing. Also of concern in an incidental observation while talking to 1 of 4 representatives, supervisors, and managers, was that SunTrust requires that their employers provide their first and last name to customers calling in versus providing an operator id thus resulting in the representatives being forced to provide API ( associate personal information ) which should be protected. All of this brings into question the ethics, competence, and policies of SunTrust with respect to its customers and employees. Going back to the original fraud issue which SunTrust should bear the burden of considering their fraud controls failed, despite multiple calls over the course of the day I am being told that I have to wait 10 business days to have access to the funds which were stolen from my SunTrust account. This will impact my annual vacation and potentially create many other issues however my larger concern is that SunTrust is not competent to manage customer accounts and does not have adequate fraud controls deployed and I can only assume due to the level of failure in this space that there are similar control design/implementation failures that may exist in other acquisition and/or customer management functions.
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| 09/08/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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After reading that the XXXX XXXX XXXX was fined for XXXX dollars for unauthorized opening of bank accounts, credit accounts, etc., I feel I need to share that my own bank did the same thing to me. The bank is Sun Trust. The way it happened is as follows : 1.On XX/XX/2016, I went to deposit our rental checks to our join checking account through the drive thru of Sun Trust Bank .
2. A teller came on through the camera and told me that there is a money market account that gives much higher interest than ours. She asked whether I want to transfer the fund to a new money market account. I said okay. She sent a form to sign, and I signed it.
3. Later, I checked my online banking, and saw that the old money market account was closed and new one has the money from the old. I was okay with that.
4. On XX/XX/2016, I was doing another deposit through the drive through, and the same lady came on the camera. She said since the money market account was n't active for last 3 months, I should deposit the checks to the money market account instead of the checking account so that the high interest will become active. I did n't quite understand it, but I said okay to depositing the checks to the money market account instead of the checking account. That is all I gave the permission to do.
5. A week of two later, I logged on to the online banking to check the balances. I was horrified to find that there was only the checking account and no money market account. That is over {$50000.00} missing. I searched more thoroughly through the website, and saw that my money market account was closed. And money was still missing.
6. I told my husband and next morning, he called the Sun Trust Bank customer service. He explained the situation to the agent. The agent looked at our accounts and found that the money market account was closed and another new one was opened. But that new one was not showing on our online banking. He fixed it so we can see the balance. And he said the account should n't have been open without our permission. He said he will make a report.
7. The next day, my sister and I went to see the manager of the branch where I bank. He checked his computer and saw that there was no " Signed Card '' that authorized opening a new account. He said that ca n't be allowed. He called the teller who did this, and the lady acted like it was someone else. She left the room, and the manager said he will make sure that person who did this will be disciplined. We left.
8. The next few times I went into the bank to make the deposit, I did n't see the teller. So I assumed that she was fired.
9. Then a few months later, I saw her at the same bank. And she has been promoted to a loan officer! At least that is what I assumed since she was sitting behind the loan officer section of the bank. I was furious. I wanted to report to someone about this, but did n't know where. I also found out that when a new bank account is opened each time, our credit score gets a hit.
So there you have my story about the illegal opening of the bank account done by the Sun Trust. I read online that the account that has over {$50000.00} is considered a gold mine because the person who processes it gets the highest possible commission. I hope this gets known to the officials who investigate these problems. Thank you for reading this long complaint.
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| 01/14/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX XXXX, I tried to pay my XXXX Bill and the payment was declined. Before this occurred, I tried to used, my debit card several times and the transactions were declined. On XXXX XXXX, I went online to pay a medical bill. I received a message that the transaction was decline. I called Suntrust Customer Service on XXXX XXXX and was told that was debit card was flagged for suspicious use and blocked. I asked for what reason and they said for the XXXX Payment. I was transferred to the fraud department and told the same thing. I asked the Fraud Department if she would please search my account and tell me if she saw other payments to XXXX XXXX with the same card number and she said yes, there are several other payments. She proceeds maybe because it was the amount. I asked if she could look at the other multiple payments in past months and tell me if there are any the same amount and she said no they are not. She had no valid reason to tell me why my debit card had been blocked when I had an ample amount of money in my account. Then then goes on to say that a fraud investigator notated the account that he tried to call but could not find a phone number on your account. I told her that was not true because the previous day, XXXX XXXX, I received a called from a XXXX XXXX out of the XXXX VA office about another complaint that I had about being charged for XXXX Overdraft fees, {$36.00} each because on the exact same date, XXXX XXXX, I had XXXX ACH transactions that were presented and posted the same date, Suntrust posted and debited the largest XXXX first and then the XXXX smallest ones. This resulted in {$100.00} in fees to my account. I am on medical leave and do not have that kind of money to give to the bank. I tried to get a refund back for this from customer service, but I was denied. So XXXX XXXX had to get my number off of my account to call me. So the fraud represented eventually tells me that my number was on the account but maybe the fraud investigator did not have access to the main screen. This only made me angry, frustrated, and my XXXX. I am already suffering from XXXX from being in XXXX in the last 7 months and XXXX. Trying to use my debit card and being decline in a store and paying a bill online and it being decline was XXXX. I told the fraud representative that I am on a lot of XXXX. What if I went to get prescriptions refilled but could not because my card was blocked. XXXX was a recurring bill that I have used multiple times and there was no way my card should have been flagged or block for this transaction. In addition, on XXXX XXXX, there was no way that the same types of transactions be posted by the larger amount to benefit the bank and cause {$100.00} in Overdraft fees from the bank and they refused to credit me back. I had some the prior week also due to issues with bill pay. They credited me back for XXXX of them, but all together, SunTrust in over the last few weeks, I have been charged with maybe over {$400.00} in fees if not even more. I have had a very hard time keeping up with my finances being that I am unstable right now because of experiencing XXXX and I am on XXXX different XXXX with a lot of side effects and did n't keep up with my balance closely but some of the fees should be given back, really I think all of them should be for what they just put me through..
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| 07/31/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I have been preyed upon by Suntrust and I only have 28 days left in the 60 day grace period and I need help.
I was only one month behind on my mortgage and received the package from SunTrust stating that there maybe help available me to help me pay my mortgage. I filled out the paperwork and returned it to Suntrust. I then began a yearlong journey with suntrust jumping through hoops to apply, all the while paying two regular mortgage payments to Suntrust every two months.
In XXXX of 2015 I was finally approved to apply for loan modification and I was advised by XXXX XXXX, my single point of contact at Suntrust Mortgage, not to make my regular mortgage payments or any payments at all until they advised me otherwise. I received paperwork and was advised by XXXX XXXX, to make four trial payments due in XXXX, XXXX, XXXX and XXXX and that the modification would become final. I made the payments and then In XXXX, I called XXXX at Suntrust to ask what to do next. he said to continue making trial payments and he said that they would send me more paperwork to finalize the loan modification. I received the paperwork & sent it back. I sent in my FINAL signed, notarized, witnessed loan modification paperwork back to Suntrust on XXXX/XXXX/15 via overnight mail. I spoke with XXXX at Suntrust the next day after I mailed the signed final documents and he verified that they received the signed documents. Eight days later, my mortgage was sold to XXXX Mortgage Servicing Corporation. XXXX will not accept my XXXX payment, the " extra '' trial payment that I paid to Suntrust in XXXX was " missing '' and was just found & sent to XXXX two days ago. I contacted XXXX on XXXX XXXX and they said that they had not yet received anything from Suntrust regarding the loan modification so they asked me to send them copies of all of the modification paperwork to them to speed up the process. I have emailed it to them three times, with an auto response, and they still have done nothing. As of yesterday, XXXX still has not received the final mod docs from Suntrust so they say now they ca n't move forward with the loan mod till they are received. I called the Making Homes Affordable helpline and they basically keep you on the phone and make you jump through hoops for hours just to make conference calls to XXXX and be given the runaround too. I asked for help to reduce my mortgage payment and they have turned that into helping me get further behind than I would have ever gotten without their " help ''! Now here we are 31 days later and my loan has been sold and my modification is not complete. Why has n't Suntrust signed & executed the documents? I have tons of paperwork and emails and even recorded conversations with Suntrust and XXXX showing my efforts and their lack thereof to get my loan modification completed so that I can make my payments! Suntrust is intentionally withholding my final loan modification documents from XXXX. Suntrust had already gone so far as to change my interest rate to the modified rate prior to the transfer to XXXX, however XXXX is reflecting the original interest rate, but the final executed loan mod docs that allowed for the changed rate are now unable to be located?!?! By law, XXXX is supposed to honor the agreement made by Suntrust but Suntrust is not forwarding the information!!!!
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| 02/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I placed a stop payment in XX/XX/ 2018 for my car payment to XXXX XXXX in the amount of {$670.00}. I was told this stop payment would return all future debits from this company, I think for 6 months. I was charged a stop payment fee and the item for XXXX was returned. However, I noticed on XX/XX/, 2018 this item paid. I called the customer service number and was told once item posted it would be returned the next day. I was looking at a memo post to my account. I had the money to cover the item at the time so it paid. I waited a day and then began to call when it was not returned stop payment. I made 2 more phone calls to the XXXX customer service and the XXXX XXXX Branch. At the branch I was told by the local customer service rep it should be returned but they couldn't guarantee it would be so I asked to speak to the manager. I wanted to make her aware of the issue so maybe she could help me get this item returned and my house payment paid. I was told I would have to leave a message. So I left a message but a couple of hours later I didn't receive a call bank so I called back 2 other times before I was finally able to get through to her. She quickly made me feel she didn't have time for my issue that she was busy and she could not help me make sure my house payment would be paid. After I realized calling was not helping me I started communicating via message on my online banking. After about 2 or 3 correspondances and days later, I was finally told the reason the stop payment was paid was because the company " XXXX XXXX '' changed their company ID. I was furious at this point and demanded the stop payment fee and any NSF charges be refunded. I felt that the company maliciously changed this information and it was beyond my control. I did not speak with XXXX XXXX about this however I went into their website and deleted my auto payment. And that may have even been back in XXXX when I placed the stop payment. SunTrust has finally refunded some of the fees including the stop payment fee. I refused to pay these fees and told them in a recent email. This is still going on. I have been sending {$200.00} a month to cover the stop payment they paid because XXXX XXXX did credit my auto loan with the payment. This has been very stressful for me and it's been going on since and is still going on. My house payment has been returned and it has caused me to have to go into a Mortgage restructure plan with my mortgage company, which causes me late fees and a higher monthly payment. I have threatened legal council and told SunTrust in the last correspondence I would be submitting a claim to the XXXX. Last correspondence I got from Suntrust was on XX/XX/2018. It was an apology and was told they understood and would be looking into it further. This should have been resolved back in XXXX by SunTrust and again I feel that XXXX XXXX if the malice party in this whole thing however I do have a loan with them that I am not able to refinance at this point so I will have to continue to deal with them. When I am able to refinance or trade my vehicle I will never use them again. And once I feel satisfied with SunTrust I will close my account. This has been a hard and difficult situation and SunTrust took too long and didn't rectify the error or even admit to the errors until I threatened legal council.
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| 01/23/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXX I went to the SunTrust Bank located at XXXX XXXX XXXX XXXX XXXX, VA XXXX to cash a personal check written to me.
I handed the teller the check written for {$130.00} and my id and I asked her to cash the entire check against my checking account.
The teller took my check then asked me to swipe my debit card and enter my pin number which I did. She gave me the {$130.00} in cash I assumed was from the cashed check and a receipt and I left.
On XX/XX/XXXX I was checking my account activities online and I noticed a cash withdrawl on XX/XX/XXXX for {$130.00} but there was no evidence of the {$130.00} check I cashed and deposited. I also looked at my receipt and noticed it said MONEYCARD WTH AMT : {$130.00} On XX/XX/XXXX I went into my local SunTrust branch in XXXX, Virginia to see why the check was n't showing and why I had a withdrawal. The branch manager looked into my problem and told me most likely the teller made an error.
Instead of cashing the check for {$130.00} she discarded it after I gave it to her and took the {$130.00} out of my account like a regular withdrawal.
The XXXX branch manager then initiated a phone call to the XXXX Suntrust branch. He was told the branch manager was not available so he spoke to the lead teller. He asked the lead teller to look for the missing check in open items and asked her to speak with the teller involved about it. The lead teller then informed the brach manager that the particular teller who handled the transaction had quit.
The lead teller said she would look into the matter took my information and said she would call me on XX/XX/XXXX. I never received a phone call.
On XX/XX/XXXX I called SunTrust corporate to see if they could help me with the lost check. They informed me I had to go back to the physical branch in XXXX to get any answers.
On XX/XX/XXXX I go to the XXXX SunTrust branch. When I walk in and state my reason for being there the lead teller informs me " the problem of the {$130.00} missing check was taken care of by the branch manager and they money should be in my account ''. I inform her the money and/or the check is not in my account.
The lead teller then goes into the branch managers office shuts the door and talks to him for eight minutes. She comes out and tells me I must speak with the branch manager.
The branch manager greets me and informs me that this is the first time he has heard of the missing check.
He tells me he will not be able to really help me because ... 1 ) I do n't have a copy of the check. 2 ) The camera would n't be able to pick up the check.
The XXXX SunTrust branch manager suggested this missing check is my fault. He said I needed to go back to the person who wrote me the check and get a new one. When I refused he told me he would contact security right away to look at cameras and he would get back to me.
We are now at the close of bussiness on XX/XX/XXXX and I have heard nothing from the XXXX branch manager. I also called SunTrust corporate they called the XXXX branch to try and get a status on the security check but they could n't get a response.
Nobody wants to take responsibility at SunTrust they keep passing and placing the blame on me. Meanwhile I am still out of {$130.00} and am unsure of the whereabouts of the check I gave to the teller in question.
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| 12/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To Whom It May Concern : I received a mortgage from XXXX XXXX on XX/XX/2018. The mortgage was for a rental property I own in XXXX XXXX. The estimated total monthly payment for interest and principal was disclosed as {$2400.00}. The estimated taxes and insurance were disclosed as {$1400.00}. The combined payment for interest, principal, taxes and insurance quoted was only barely affordable to me at the time and I narrowly qualified for the loan.
Importantly, prior to agreeing to the mortgage, I specifically discussed with my mortgage broker at XXXX XXXX that I did not have hurricane/windstorm insurance for the subject property and that it would not be affordable for me to purchase it. I have never had hurricane/windstorm insurance for this property. This was memorialized in several emails. I further stated that I would be unlikely to be able to close on this loan if the hurricane/windstorm insurance was necessary. As recently as yesterday, XX/XX/2018, the mortgage broker from XXXX XXXX acknowledged this discussion, and the agreement by XXXX XXXX not to require hurricane/windstorm insurance as a condition for the mortgage.
Subsequent to the closing of the loan, XXXX XXXX sold the mortgage to SunTrust Bank. SunTrust Bank is requiring that I purchase hurricane/windstorm insurance. They falsely claim that my prior hurricane/windstorm coverage has lapsed. As previously mentioned, I have never had hurricane/windstorm coverage. They have notified me that if I do not purchase hurricane/windstorm insurance on my own they will purchase it for me, and charge me {$20000.00} for it per year. This is equal to an additional {$1600.00} per month, which is completely unaffordable for me.
SunTrust refuses to specify where in the mortgage agreement I signed with XXXX XXXX they find the authority to charge me for hurricane/windstorm insurance. To my knowledge, there is no such requirement. It certainly is not clearly described, and I am a lawyer by training. XXXX XXXX has told me that this is not their issue. XXXX XXXX states they did not require hurricane/windstorm insurance from me but can not control what SunTrust requires.
It is completely unacceptable that XXXX XXXX could issue a mortgage to me that was only barely affordable per accepted mortgage guidelines without the requirement for hurricane/windstorm insurance and then turn around and sell the mortgage to a bank ( SunTrust ) only months later, which then requires me to purchase hurricane/windstorm insurance. This is the very definition of a bait-and-switch, and is precisely the kind of predatory lending and fraudulent behavior that financial regulations exist to prevent. Neither SunTrust Bank nor XXXX XXXX seem the least concerned about the extremely stressful and damaging consequences to me of their actions. It should also be noted that the land value for the property is about three times the mortgage amount, even without any house. Therefore, there is no need from the perspective of collateral security to require the hurricane/windstorm insurance.
If this is not resolved shortly, I will have to sell my property in XXXX XXXX, which I have long worked hard to maintain and is also the place I had planned to spend my retirement. The immediate attention and assistance of the CFPB is urgently requested. Thank you.
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| 04/09/2018 |
Yes |
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- Struggling to pay mortgage
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Web |
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This complaint is about a particular individual at Suntrust mortgage. Our assigned processor is XXXX XXXX XXXX. XXXX XXXX has been extremely difficult to deal with since day one. I have had to get the VA rep, XXXX XXXX, involved in the file multiple times because XXXX does not listen to reasoning nor fully understand the fine details of her job and the VA loan process. We have been working on this short sale since XX/XX/XXXX.
We found a buyer and submitted all documents to Suntrust on XX/XX/XXXX. XXXX XXXX informed me on XX/XX/XXXX that the NOV came back at {$100000.00}. After further questioning, she finally divulged that the NOV was returned to the VA on XX/XX/XXXX and that it was only an exterior appraisal. Knowing that the VA does not usually accept exterior appraisals, I told her we would be needing a new appraisal. I also asked for the reason for the delay in providing us with the NOV for over 3 months but did not get a response. After contacting XXXX at the VA, we were finally able to get the appraiser to enter the property and conduct a full appraisal. XXXX continued to press me for a full priced offer of {$100000.00} even though she was aware that the VA was working on the file and a new appraisal. During this time, I was able to convince Suntrust to postpone the foreclosure on XX/XX/XXXX.
On XX/XX/XXXX, Suntrust informed me that they sent the homeowner paperwork and refused to send me a copy via email or fax or even postmail even though I have full authorization on the file. This caused XXXX to get involved again and after she was able to get the documents, she sent them to me. I assisted the homeowner in completing the documents and submitted them back to Suntrust.
On XX/XX/XXXX, the issue with the appraisal was resolved and the NOV set at {$88000.00}. I was able to get the buyers to come up to {$87000.00} and exceed the net for the VA. A week after I submitted this information ( on XX/XX/XXXX ), XXXX called me to let me know that they would not be able to accept the offer until after XX/XX/XXXX and they will have to redo the appraisal. I explained that they just completed an appraisal and she insisted that the appraisal was expiring on XX/XX/XXXX. Even after explaining to her the length at which a VA appraisal is valid and reminding her that they reappraised due to the exterior only, she refused to comply.
Once again, XXXX from the VA ( who has been phenominal ) had to get involved. After a few days, she let me know that Suntrust had finally acknowledged the new appraisal and were set to approve the short sale. After not hearing from Suntrust for a week, I called on XXXX to inquire about the approval. XXXX said that Suntrust dis approve the sale and mailed the homeowner documents. I requested a copy and she denied me stating " [ I'll ] have to get that from XXXX . XXXX. '' I explained that every short sale I have worked on in the past 5 years has sent me the approval letter as well and some of those were with Suntrust Mortgage. She refused and stated that she will not send me the documents.
The VA is again, trying to get the documents from Suntrust so that my office can have a copy since the homeowner is often in the hospital. XXXX XXXX has done nothing but delay the short sale and make this transaction much more difficult than it needs to be.
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| 08/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XXXX XXXX I made a deposit through an ATM of a check for the amount of {$2.00} to my SunTrust Bank Checking Account. On the XXXX, I received a text message warning me that the check had been returned and my account was overdrafted for more than XXXX . I went to the bank and a representative informed me that the check was returned and on the XXXX of XXXX I would have my previous balance credited again on my account. Days later, I made a phone call to the SunTrust Call Center and a representative informed me that the funds were being held and that this hold would expire on the XXXX, making the {$2.00} available to me, she even refunded me ( as a courtesy ) of some returned items fee, because the transfers I had previously made with a positive balance were being returned because of the overdraft. On the XXXX of XXXX, I made a call again to the SunTrust Call Center and another representative informed that, the hold would expire today but I would be able to use the funds by the XXXX. On the XXXX, I checked my account and I had an available balance of {$2.00} and a current balance of {$230.00}. Again, I made a call, spoke to one of the representatives, and I asked her what the difference between the two balances shown was. She told me that the available balance was the money that was available to me, and the current balance was the money from my previous statement. I even asked her that if I wanted to make a withdrawal of over the {$200.00} shown on the current balance I would be able to, and she confirmed yet again that Yes, because whatever is shown on the available balance is what is available to me. In the afternoon, I went to the SunTrust Bank XXXX XXXX XXXX, and made an over the counter withdrawal of {$1600.00}, which was given to me without hesitation. On the following day, at XXXX, I received a text message saying that my account was overdrawn for the amount of {$1.00} and that I needed to make a deposit by XXXX the XXXX before they could start charging me an overdraft fee. When I called the representative, she told me that the amount was never supoused to be in my account and that the only way I could bring a negative balance to a positive balance was making a deposit. When I explained to them that the representative had confirmed to me that I could use that money and that the withdrawal I made without any kind of issue was over the counter in a branch, she told me that, yes it was their mistake, and that they could not do anything about it. I asked to speak to a supervisor, she told me the same thing over and over again. Then, I asked to speak to a manager, and she provided me with the same speech, also adding that I should keep track of my account balance. When I told her that I did, and that is why I had been calling so much, speaking to their representatives, one of which confirmed to me that the money was available to me, she told me I was right, that SunTrust should not provide wrong information, and they did so 4 times, but still they would not credit my account because it is my responsability. How is this my responsability? I did what anybody else would have done ; I kept track of my account, and called them everytime I had a question, even though now I know they always gave me wrong information. I can not be held responsible for their mistake.
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| 08/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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INTRODUCTION On XX/XX/XXXXI purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX, the alleged reason for its delay was because all their watches are made by hand. After the merchant failed to comply with the delivery date, I canceled the transaction. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( Case No. XXXX ). On XX/XX/XXXX, Suntrust Bank declined to investigate my claim and credit my account with the amount in dispute. On XX/XX/XXXX, I submitted a formal complaint to the Federal Reserve Consumer Help. On or XX/XX/XXXX I was told that my complaint was forwarded to the Consumer Financial Protection Bureau ( CFPB ). On orXX/XX/XXXX, the company responded and the CFPB closed my complaint. On XX/XX/XXXX, I submitted another complaint to the CFPB and on XX/XX/XXXX the CFPB closed my complaint with an explanation.
This is a new complaint because : ( A ) There is a new information regarding this matter, and ( B ) Contrary to the Banks response, they did not addressed the issues raised in my complaint.
ARGUMENTS I. I exhausted my resources to resolve the dispute with the merchant.
On XX/XX/XXXX, Suntrust responded : because I did not receive the merchandise, I had to dispute this directly with the merchant. I reported to the Bank that I exhausted my resources to resolve the dispute directly with the merchant, without the bank intervention. On numerous occasions I contacted the merchant, by phone at ( XXXX ) XXXX, and by email ( XXXX ). However, the merchant never answered the phone, did not return the calls, and did not respond to my emails.
II. Suntrust Banks response not addressed the issues raised in my Complaint, because its Rules and Regulations for Deposit Account do not contain any regulation concerning the period of time to place a dispute for non-wrong, non-error and authorized transactions.
SunTrust bank response is unsuitable here, and not addressed the issues raised in my Complaint, because the transaction made onXX/XX/XXXXwas authorized, proper and correct. Suntrust Banks Rules and Regulations for Deposit Account ( pages 30-31, and 40-41 ) only contain information for transactions with unauthorized signature, alteration, misencoding, incorrect or improper amount, fee, interest calculation or error on the statement itself.
III. Suntrust Banks response not addressed the issues raised in my Complaint, because they failed to properly disclose the period of time to dispute the non-wrong, non-error and authorized transactions.
According to the Companys response : SunTrust Bank is not liable for my dispute, because the claim was not reported within 30 calendar days from the date the Bank makes the statement on which the error first appeared available to them. First, the Banks response is incoherent, because the merchant promised to deliver the merchandise after the 30 calendar days. Secondly, Suntrust Bank NEVER provided to me any information related to the period of time I had to dispute the non-wrong, non-error and authorized transactions.
For all of the above, Suntrust Bank must accept my claim, investigate it and credit my account with the amount in dispute.
Sincerely, XXXX XXXX ( XXXX ) XXXX
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| 05/03/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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XXXX XXXX found out from a local SunTrust branch that his bank accounts with SunTrust Bank was frozen by the fraud department without his knowledge, without warning and without justifiable cause. XXXX XXXX noticed that there was something wrong when he attempted to use his debit card at a convenience store and tried to log in to view his accounts on XXXX XXXX, XXXX. XXXX XXXX first reported his personal information was hacked on XXXX XXXX, XXXX after finding out that he was unable to log in to view his accounts. When XXXX XXXX called customer service about this on XXXX XXXX, XXXX, he learned that someone logged into his accounts several times with and without success. He even had some online fraudulent activity on his account. Someone made fake mobile deposits to XXXX of his accounts. SunTrust Bank allowed all of this in his name with no proof of ID or security at all. XXXX identity was stolen and easily used with SunTrust Bank. On XXXX XXXX, XXXX, the online banking support associate named XXXX simply unlocked XXXX account by sending him a weblink containing a temporary username and password to reset his log on credentials. XXXX XXXX reportedly had to call SunTrust Bank three other times thereafter to have his online banking access restored. Each time he called, his online banking access was restored using a weblink containing a temporary username and password to reset his log on credentials. SunTrust Bank illegally block XXXX XXXX from accessing funds in his account that rightfully belongs to him. XXXX XXXX informed SunTrust Bank of the fraud on XXXX XXXX, XXXX and XXXX XXXX, XXXX when he noticed it but the bank refused to take action at that time. It is odd to want to cut off XXXX account access weeks later. XXXX XXXX was advised to cancel direct deposit from his employers from entering his SunTrust Bank account so that he will have some money to take care of everyday expenses. XXXX XXXX reported visited a SunTrust Bank branch in XXXX XXXX, Arkansas on XXXX XXXX, XXXX to do a cash withdrawal. The manager there was said to have took his driver license and the withdrawal slip and came back to him fifteen minutes later stating that its branch could not help him due to the notes on his accounts. He has dealt with almost all of the big national banks that have poor reputations and the SunTrust Bank branch in XXXX XXXX, Arkansas is the worst of the worst. Thanks to the unprofessional behavior and rudeness of the manager there. XXXX XXXX was advised to open an account with another financial institution so that he can receive his pay by direct deposit, as required by his employer, and cancel every account he has with SunTrust Bank and NEVER use SunTrust Bank for any kind of financial services and bank there again. SunTrust Bank will nail one with every opportunity it can find to hold on to HIS or HER money and run one 's account into the ground without justifiable cause. This is a bank that hides behind the boiler plate in contracts and will XXXX people to the wall with absolutely no forewarning or notice. As a United States based financial, SunTrust Bank was proven and revealed to be no good and is unsafe to use. It is no wonder why SunTrust Bank is sued in federal and civil courts more than any other financial institution located in XXXX Tennessee.
|
| 06/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
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Web |
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On XXXX XXXX, I closed my account because of some issues, and because I was in the process of withdrawing my authorization from some internet lenders, who I was told were void in my state. The XXXX dollars that were in the account were transferred to a new account, and the old account was closed. I alerted all of the other entities that I wanted to continue to have access to my account, the new account number. I did not include the lenders, because they are void, and because I was withdrawing their authorization. I did not give them permission to the new account. At that time, the gentleman, XXXX XXXX, who helped me close the account and transfer the small amount of money in it said that anything outstanding that had been authorized to debit from the account within 24 hours of closing would be taken out, but that after that, the account would be closed for good. No attempt by any entity to debit my account occurred during that timeframe, so I was under the impression that the account was completely closed. I was getting help crafting the authorization withdrawal from the internet lenders since last week. When I looked at my email today, I had an email from SunTrust saying that there was an error on the " closed '' account, and that I had an overdraft, and that I needed to take care of it as soon as possible. It went on to say that my balance on the " closed '' account was negative as of XXXX/XXXX/16, and that I had to bring it to a positive status within five business days.
I was shocked to see that the " closed '' account, was re-opened to pay the lenders I did not want to continue to do business with. I called the bank, and went in to speak with XXXX XXXX at XXXX today. I asked why there was an overdraft on a closed account. He said to me that I had given the lenders authorization, and that because of that Suntrust has the right to open up a closed account to allow what used to be a regular debit from that account, even a week after the account had been closed.
I was shocked an a appalled that my bank could re-open a closed account to cover an entity I was trying to cut ties with. Verbal authorizations do n't seem to work, so I am now doing written authorization withdrawals, because I can not trust my bank to actually close my account and leave it closed. Also because they re-opened a closed account, lenders will be able to debit again and again, putting my account further in the negative! I am disgusted and disappointed at Suntrust, that they can decide that if I gave authorization, they get to decide how and when I pay the lenders and not me. I closed my account as a first step in the process to disengage from the illegal lenders, and SunTrust is trying to profit. They are playing the role of the decider, instead of me, the consumer. I never thought that a closed account can be re-opened by the discretion of the bank, even though I never asked them to. I gave my new account information to the entities that I wanted to continue to do business with. I now " owe '' Suntrust for a service I never asked them for. I think they are doing this to padd their pockets. By re-opening the account, other lenders can and will try to debit, creating a bigger hole, and deficit that I have to make up and owe to the bank and the lender. Disgusting.
|
| 03/17/2017 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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I 'm confused as to where SunTrust is on my appeal of their alleged denial of my modification request submitted in XX/XX/XXXX. This may relate to my appeal filed in XX/XX/XXXX and is in file complaint history Case number : XXXX.
The XX/XX/XXXX SunTrust letter on file with the CFPB discusses a missing XXXX and completed tax returns.
This is the email trail and document submission to Suntrust sent on XX/XX/XXXX.
XX/XX/XXXX Please see my letter on the continuing bad treatment from SunTrust.
No representatives from SunTrust have called me and the data I have submitted is complete.
0n XX/XX/XXXX, at XXXX, XXXX ; wrote : Good afternoon.
I spoke with a representative today.
I hereby resend all of the items that I have sent previously in XX/XX/XXXX.
I also attach another copy of of the business return, XXXX, signed, and the XXXX attached to the business return.
I hope that SunTrust will proceed with a modification, forbearance, and other matters as first requested in XX/XX/XXXX.
Thanks XXXX Begin forwarded message : From : XXXX Subject : Re : Suntrust Loan # -Schedule of Income, Form XXXX, Part of XXXX Date : XX/XX/XXXX at XXXX EST To : XXXX, XXXX Cc : " XXXX ; XXXX : Here is a schedule that is a part of the XXXX submitted to show my income in XX/XX/XXXX, XXXX ; XXXX ; Begin forwarded message : From : XXXX Subject : Re : Suntrust Loan XXXX XXXXSchedule of Income, Form XXXX, Part of XXXX Date : XX/XX/XXXX at XXXX EST To : XXXX, XXXX Cc : " XXXX '' XXXX ; XXXX XXXX ; XXXX : Here is a schedule that is a part of the XXXX submitted to show my income in XXXX, XXXX ; XXXX XXXX ; Begin forwarded message : From : XXXX Subject : Suntrust Loan # XXXX-Requested Items Date : XX/XX/XXXX at XXXX EST To : " XXXX '' XXXX ; XXXX XXXX ;, XXXX Cc : XXXX, XXXX, XXXX XXXX ( XXXX ? ) : Thanks for your call on XX/XX/XXXX.
Here are the items you informed me to submit to SunTrust to complete the modification request.
As shared in my earlier request, I request a modification approval and forbearance in XX/XX/XXXX.
1 ) Hardship Affidavit with all questions answered.
2 ) XX/XX/XXXX XXXX Tax Return with XX/XX/XXXX XXXX Corporate Tax return showing withdrawals/income.
3 ) Most recent P & L for company through XX/XX/XXXX.
XXXX P & L Mod Request XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; Begin forwarded message : From : XXXX Subject : Suntrust Loan # XXXX-Requested Items Date : XX/XX/XXXX at XXXX EST To : " XXXX '' XXXX ; XXXX XXXX ;, XXXX Cc : XXXX, XXXX, XXXX XXXX ( XXXX? ) : Thanks for your call on XX/XX/XXXX.
Here are the items you informed me to submit to SunTrust to complete the modification request.
As shared in my earlier request, I request a modification approval and forbearance in XX/XX/XXXX.
1 ) Hardship Affidavit with all questions answered.
2 ) XX/XX/XXXX XXXX Tax Return with XX/XX/XXXX XXXX Corporate Tax return showing withdrawals/income.
3 ) Most recent P & L for company through XX/XX/XXXX.
XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX Personal Bank Statement XX/XX/XXXX ________________ While I have multiple letters from SunTrust, I do not have the XX/XX/XXXX loss mitigation letter or a reply to my appeal letter of XX/XX/XXXX or any calls from Suntrust Mortgage or messages since XX/XX/XXXX ,
|
| 08/19/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On or about XX/XX/XXXX I applied to various job boards for work at home jobs. A job titled XXXX XXXX XXXX was listed and I applied for it. On XX/XX/XXXX I received an email from a XXXX XXXX from XXXXXXXXXXXX stating my first assignment has been approved. Starting on XX/XX/XXXXI received text messages from XXXX XXXX as well as email messages and a phone call or two. On XX/XX/XXXX XXXX XXXX sent by email a brief and directions of what the XXXX XXXX entailed. I replied on XX/XX/XXXX that I was ready to get started. On XX/XX/XXXX I was told by email that money orders were send, I was to deposit and wait for them to clear before starting surveys. Money Orders were received and deposited onXX/XX/XXXX. They were cleared on XX/XX/XXXX, bank showed balance to be available XXXX {$1900.00} XXXX. I let XXXX know I was ready to start surveys, he sent me a list of items to purchase and instructions on making a copy of what was purchased, the copy of receipt and I was to copy the card number for each XXXX card purchased. Two items were not available, I let him know that and he let me know just proceed with what I was able to purchase. My earning was to be {$250.00} per survey for a total of {$500.00} for the 2 surveys. By the night of XX/XX/XXXX I received a call from the fraud department from SunTrust Bank XXXX where postal money orders were deposited ) asking if I made the purchases in the amount of {$1400.00} and I advised yes I did as I was doing this for employment purposes. I then checked bank account and found the account to be negative - {$1900.00}. I called the bank which was after XXXX pm and all they could advise me was the postal money orders were being returned as uncollected funds. Bank account is listed with husband first on the account and then myself. On the morning of XX/XX/XXXX I went to the branch bank where deposits were made and spoke with XXXX the branch manager and she confirmed the postal money orders were no good. XXXX assisted me in faxing a Statement of Dispute regarding the purchases made, Case Number : XXXX for XXXX XXXX and Scam Case : XXXX. I tried to reach XXXX XXXX but number was no good and he did not respond to emails or text. The phone number was no longer working. I then called the XXXX XXXX XXXX, Fl police, an officer came to my home, did not want to take a report, he stated they see this fraud all the time, report it to the Federal Trade Commission, the Postal Inspector and hope for the best. After several days of going back and forth with the bank and realizing they were not going to help, I contacted the Postal Inspector and was told to file my claim online, which I did onXX/XX/XXXX and received was provided a reference number : XXXX # XXXX regarding mail fraud. 0n XX/XX/XXXX I filed a report with The Federal Trade Commission, Reference # : XXXX and XXXX suggested to file with consumer finance online which I am now doing on XX/XX/XXXX. Will also be contacting the State Attorney General in Florida for additional help. I would like help in resolving this with the bank, I do not have XXXX. The bank did not investigate and they did not assist in clearing the deposits, they should not have made them available. I am a victim of fraud. Hopefully the crooks will be caught and made to pay.
|
| 06/20/2017 |
Yes |
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- Trouble during payment process
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|
Web |
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On Thursday,XX/XX/XXXX, and 7 days before the payment was due, paid a mortgage payment with a cashiers check at SunTrust Bank ( XXXX XXXX XXXX XXXX, XXXX, TN XXXX ). On Friday, XX/XX/XXXX, received a statement from SunTrust Mortgage indicating a past due amount, as well as the amount due onXX/XX/XXXX. Upon calling the XXXX number, was told the cashiers check was returned and that SunTrust Mortgage had assessed a late fee. Representative indicated the SunTrust Bank branch needed to be contacted to discuss the reason for the payment being rejected. At this point of the day, the SunTrust Bank branch was closed. On Monday, XX/XX/XXXX, walked into the SunTrust Bank branch at approximately XXXX XXXX to discuss the issue. Was told by an individual at the SunTrust Bank branch that the issue would be researched and that I would receive a call at some point during the day. At approximately XXXX XXXX onXX/XX/XXXX, received a call from the individual at the SunTrust branch indicating the teller had incorrectly processed the cashiers check, thus the reason it was rejected. Representative indicated the cashiers check was unable to be located and that a stop payment needed to be done with the issuing bank. Representative also indicated another cashiers check would need to be issued for the mortgage payment. At approximately XXXX XXXX. onXX/XX/XXXX, contacted the bank that issued the cashiers check and inquired about the stop payment process. The Bank indicated the cashiers check would need to be outstanding for 90 days before a stop payment could be issued. At approximately XXXXXXXX XXXX. onXX/XX/XXXX, contacted the SunTrust Bank branch and informed the individual of the process. Representative indicated the SunTrust Bank branch would try to locate the cashiers check and contact me. As of XXXX XXXX. on Tuesday, XX/XX/XXXX, the SunTrust Bank branch has not contacted me. On Monday evening at approximately XXXX XXXX., XX/XX/XXXX and approximately 26 days after the initial payment was made, received a letter from SunTrust Mortgage indicating the payment had been returned. Contacted SunTrust Mortgage at that time and spoke with a supervisor. Supervisor indicated the check had probable been destroyed and that a stop payment would need to be issued. Explained to the supervisor that the issuing bank would not do a stop payment until after 90 days. Supervisor indicated that a scheduled conference call would take place on Tuesday, XX/XX/XXXX aXXXX XXXX XXXX. Eastern with the SunTrust Bank branch. As of XXXX XXXX. on Tuesday, XX/XX/XXXX, the supervisor has yet to contact me regarding the conference call. Why did it take SunTrust Bank to contact me approximately 26 days after the transaction? Where is my cashiers check? Has it been destroyed? Is it in the SunTrust Bank branch? Is it in the parking lot of the local gas station? Where is this check? How is the issue going to be resolved if the cashiers check is unable to be located? Is this SunTrust Bank branch going to make my payment? At this point, I am 10 days away from this adversely affecting my credit score. This is not the first time this SunTrust Bank branch has incorrectly applied my mortgage payment. This needs to be addressed as SunTrust Bank is holding my money hostage.
|
| 10/11/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
|
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My father initially co-signed on my loan about 5 years ago. I just paid off my loan in XX/XX/2018 and was told via telephone by Suntrust that my titling documentation would be sent to my XXXX XXXX home address ( this is the address they have on file and where they have sent all letters, bill notices etc ).
Before completely paying off my loan, I had previously had trouble getting access to my title in order to transfer the title from XXXX to XXXX. XXXX required proof of title and would not accept my expired XXXX registration card. So my car has expired XXXX plates on it and has been parked and unused with XXXX insurance coverage on it since XX/XX/2018, almost a year.
I paid the car off in XX/XX/XXXX and only a week ago I received documentation about my title after my father forwarded it to me from Virginia. Apparently XXXX XXXX, who is handling the title paperwork at Suntrust, sent all the titling documentation to my father in XXXX. She addressed the paperwork to me and my father both but sent all paperwork to his XXXX home and in the paperwork she incorrectly listed my address as XXXX. I was assured multiple times by other Suntrust reps that I would be receiving all title paperwork in XXXX to facilitate the transferring of the title in XXXX, where the car is parked and where it is insured.
On XX/XX/18, I sent XXXX XXXX all signed documentation that she requested from my father and from myself ( XXXX XXXX forms signed by my father, a copy my fathers of drivers license, XXXX XXXX forms signed my me, a copy of my drivers license, and proof of car insurance ). I included a lengthy letter explaining what I have explained in this complaint, and I included proof of XXXX insurance and proof of my current address ( just to be thorough, even though the address is on file at Suntrust ). I also requested that XXXX reach out to me or my father via telephone is she needed anything else from us.
Today my dad received a new package from XXXX that included the same letter he originally received from her that requests him to sign XXXX XXXX forms, and provide a copy of his drivers license and proof of insurance. I am befuddled by this action because in my correspondence to XXXX XXXX specifically provided all of the documentation she is rerequesting. She provided no new information or context for her new request, and she should now be aware that my dad is unable to provide proof of insurance in XXXX because the car is insured in XXXX under my name. The new letter from XXXX was addressed only to my father and didnt include my name.
This morning I sent XXXX an email and a fax requesting more context as to why she sent my father additional paperwork and how she plans to proceed with getting the title processed. Based on all of the developments thus far, Im worried that the paperwork will not be handled properly considering the confusion and lack of communication thus far from XXXX and Suntrust. I sent copies of my email to three seniors executives at Suntrust. I have not gotten any reply or phone call from XXXX, but one of the executives at Suntrust, XXXX XXXX just replied to me via email to let me know that the Executive Services team is currently researching my concerns and will respond as soon as possible.
|
| 12/29/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Problems caused by my funds being low
|
|
Web |
|
|
My wife and I have an active savings and checking account with Suntrust Bank. We began to to experience a problematic series of overdraft charges beginning in XXXX of 2013. My wife had enrolled us in an service they promoted as being able to help us with possible overdrafts to our account in order to ensure that our large bills such as rent and car payments would not be affected by a late processing deposit or refund from a return etc. Starting in XX/XX/XXXX and continuing for several months, we began to notice that purchase or payments made over the course of several days were processed or posted to our account in a very irregular pattern. We would pay for or purchase items on a Monday and see those post to our account sometimes as much as three or four days afterwards. What bothered us was that we would see these post to our account on the same day as purchases made several days later. An example might be where we would pay our rent on a Monday, make several purchases over the next several days and then have ALL of these transactions post on the same day incurring, several hundred dollars in overdraft fees. I made dozens of calls to understand why this was occuring and Suntrust " offered '' to refund to me XXXX or XXXX of those charges when I confronted them on their admitted practice of batching our transactions from highest to lowest instead of by date of transaction. We had never been provided information on how they would process our transactions and in what order. I evenetually was forced to de-enroll our accounts in the overdraft coverage protection and advised Suntrust over a recorded call to disallow any future transactions when our account no longer had sufficient funds for any purchase due to pending account transactions that would result in our account balance being depleted.
Thankfully the overdraft fees APPEARED TO BE stopped and we were able to begin to recover HOW to recover from over {$2500.00} in over draft fees incurred during that time. Recently we have begun to see overdraft fees AGAIN applied to our account despite the fact that we were specifically informed that any purchase made on our account when we had insufficent funds for the purchase would be automatically denied. This has resulted in us incurring an unexplained an unknown overdraft fee amount totaling upwards of {$400.00} more dollars and in all appears to be over the last two years in excess of $ XXXX-XXXX in overall fees from Suntrust. I have included as many financial statements as I could acquire but can not gain access to those from 2013 when this all began. Suntrust informed me that the charges were due to purchases made using our " account '' and their " routing '' numbers and not through a credit/debit purchase which they would have denied. This did not make sense as neither myself or my wife have at any point given this information to the retailer 's or services that the new overdraft fees had been attached to. We have in the last two to three months incurred several hundred more dollars in " overdraft fees '' despite never being re-enrolled in any type of service offered by Suntrust, not agreeing to any such service, and having been informed that any such activity in the future would not incur overdraft fees.
|
| 02/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
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I lost 2 cars in the hurricane. One car was linked to XXXX XXXX XXXX XXXX in XXXX and one car was linked to Sun Trust Bank in Virginia. Shortly after the hurricane, my insurance company told me to replace the cars and that everything was fine. I replaced the cars at XXXX XXXX XXXX in XXXX on XX/XX/XXXX and they assured me that my insurance and their gap insurance had everything covered on the flooded cars. I thought nothing else of the situation for over a month. I tried to lease a house in mid XX/XX/XXXX and the credit showed that was late on payments to Sun Trust and XXXX XXXX XXXX XXXX. I was shocked. I called my insurance company and they said that the agent on my case had moved back to Georgia and they would take care of the problem. I have a voice from my second agent who said the problem was taken care of. I immediately called both banks and explained to them that this was a surprise to me and the insurance companies would correct. They thanked me for communicating. However ... .Sun Trust continued with letters and phone calls and reports to the credit bureau. XXXX XXXX kept reporting to me that my score was dropping due to reports by Sun Trust Bank. I again called my insurance and the Sun Trust explaining the situation. My insurance company put another agent on my case who actually got things done. At no time did Sun Trust advise me to make payments while this process was going on. They said they understood. Yet they continued to report delinquency which I was told was illegal when dealing with XXXX hurricane victims. In XX/XX/XXXX, my insurance company paid the majority balance ( XXXX ) for each of the flooded cars. Gap insurance was to pay the rest. I called both banks to make sure that they got the checks. The gap insurance people were backlogged and it took more time for them to pay off the two cars. The last car for Sun Trust was paid off on XX/XX/XXXX. I continued to be in contact with this bank. During that time, I tried to close on a house. The closing ( still going on ) was continued on these two cars being paid off. When they were paid off it showed that I had a history of delinquency. They wouldn't let me close unless both banks sent letters admitting an error in reporting my late payments. XXXX XXXX immediately sent one. Sun Trust refused. We had a conference call on Friday, XX/XX/XXXX begging them to send a letter admitting that they prematurely reported my delinquency. They refused. We talked to 8 different people for two hours and they would not. They said I should have made payments during the process yet they never instructed me to do so. We also had a conference call on XX/XX/XXXX with the credit bureau in which the credit bureau made it clear that hurricane cases were not to be reported. The people at Sun Trust said they were aware of that yet they had been reporting late payments since XX/XX/XXXX. My credit score has been ruined. It went from XXXX to XXXX. More than likely there will be no house unless this matter is solved quickly. I am not a guy who is late on payments, especially with cars. I am a victim of disorganized insurance companies ( they apologized for that on voice mails ) and a bank who didn't realize that I had done everything to address the flooded cars.
|
| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In summary, Suntrust has failed to respond appropriately to my request to remove the PMI from my home although I have met the LTV of 80 % requirement and have been requesting removal since XX/XX/XXXX. My home was purchased in XX/XX/XXXX and current amount owed on the home is {$140000.00}. The appraisal done by the original mortgage holder at the time of purchase was {$180000.00}, however, my home mortgage was sold to Suntrust in XXXX where it has been held since in excellent standing. My home has qualified for removal of PMI ( 80 % = {$140000.00} ), which was achieved as of my XX/XX/XXXX mortgage statement which listed the loan amount at {$140000.00}. When I contacted the company I was told I needed to put the request in writing which I did online on XX/XX/XXXX. It took >60days to receive a letter in the mail from Suntrust in XXXX, which stated that they would need to perform an appraisal on the home in order to approve the removal of the PMI and to do the appraisal I would need to submit a check in the amount of {$100.00}. I promptly mailed the form back with the proper request and the check for {$100.00}, which was cashed within 2 weeks on XX/XX/XXXX. On XXXX XXXX, XXXX, I got a call from a XXXX at XXXX XXXX XXXX who said she would do the appraisal. I gave her the name and number of my rental management company and also told them she would contact them on the same day XX/XX/XXXX. Within 3dys I received an email from my rental management company saying " I called XXXX XXXX at XXXX XXXX XXXX and she has stated that she asked the bank to reassign the appraisal to someone else as she didn't have the availability to come to XXXX. '' I of course did not worry about it because I assumed this happens all the time. I only became concerned when received a letter in the mail from Suntrust >30 days later on XX/XX/XXXX with a check for {$100.00} stating I was being refunded the amount and would receive a separate letter with the results of the appraisal. After 2 weeks and no letter I called Suntrust to ask what happened and for next steps and I was told they did never completed the appraisal because my home was listed as a gated community. The home is in no way a gated community but is open access to yard & home, which, I stressed to the person on the phone who assured me there would be an investigation and someone would call me back with next steps. I received a call 2 days later from Suntrust with no explanation of what happened but only requesting that I resubmit my request to remove PMI and start the process from the beginning since the process had timed out in their system and was closed. This was on XX/XX/XXXX, >5 months after my initial request and I responded that I would submit another query/complaint into the issue, which I submitted via their online system on the same day. Now it is almost 6 months after my initial request, they have never responded to my complaint nor provided any additional information about what has happened with my request. I believe this is a completely fraudulent process and in violation of the law. I am currently taking steps to move my loan from Suntrust but wanted to put a complaint so that this fraudulent activity could be investigated and others would not fall victim.
|
| 10/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
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STOP THE FORECLOSURE! XXXX XXXX, XXXX. MODIFICATION WAS NOT PROCESSED CORRECTLY. Need help to postpone foreclosure scheduled for This Tuesday, XXXX XXXX, XXXX. ***SOS*** Please help!
This, my XXXX complaint, is in follow up to my previous complaints against SunTrust Mortgage and the conviction that my loan is the product of predatory lending. Again, the loan is a Conventional ARM, 10-year interest only. The attached original loan application shows this loan was based on stated income. I can see now, that had verification been performed at that time, it would have revealed an imbalance in the debt to income ratio, as the asstes listed were simply a lot of debt with heavy monthly payments. In XXXX and/or XXXX, I applied for a loan modification and was denied. I was told it was due to the fact that our loan did not qualify for a modification, as it was not a XXXX or XXXX XXXX loan. In each of these attempts at modification, I dealt with multiple persons and the paperwork and process was extremely confusing. The quality and effectiveness of the process was very poor. I attempted another modification in XXXX of this year ( XXXX ). Had I not called, I would not have known that a foreclosure sale had been set for XXXX XXXX. I was told by XXXX XXXX XXXX in the Loss Mitigation dept. that I could stop the foreclosure by doing a modification. He emailed the paperwork, and said that he would be my point of contact. However, that was not the case. Each time I called to speak with him for assistance and follow up, he was not there. As time was of the essence, I ended up having to speak with multiple persons, including but not limited to, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I even contacted XXXX XXXX and her assistant, multiple times via email and left each of them several voicemail messages. Neither replied to me. I then received an email from XXXX XXXX. Again, this entire process was completely lacking in any efficiency and effectiveness in the modification process. In short, it was a 3 ring circus. Too many hands in the pot made this a nightmare. With multiple persons giving me different, even conflicting information, I do n't understand how my account can be processed and worked correctly. How can the information have been transferred from one person to the next and conveyed correctly? The bottom line, my modification request was yet again denied. That brings me to today. A FORECLOSURE IS SCHEDULED FOR THIS TUESDAY, XXXX XXXX, XXXX!!! I received no notification of this sale. They claim it was mailed, but no proof has been provided. I have not had ample time to address the multiple issues. Since learning of the foreclosure date, they have even denied me a short sale. That, after doubling our payments last XXXX, clearly does not demonstrate any good faith on their part. While SunTrust claims they followed the laws governing this process, nothing could be further from reality. They simply have refused to work with me, every step of the way, much less in any effective or efficient manner. They have made my life a nightmare. I WANT TO KEEP MY HOME. The only reason we ever listed our home for sale was due to the fact that we were DENIED EVERY OPTION MULTIPLE TIMES by SunTrust.
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| 01/26/2020 |
Yes |
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- Struggling to pay mortgage
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Web |
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SunTrust 's letter dated XX/XX/XXXX adds another violation to various federal and state laws and regulations. Again, you are violating the order and instructions contained in United States v. SunTrust Mortgage , Inc. ( XXXX ) Case XXXX, too. SunTrusts interests actively rests in its liability for all fraud and violations from XX/XX/XXXX to XX/XX/XXXX, plus the continuing deception since that time. The matter is not closed as the statute of limitations remains active for various violations.
Again, you knowingly and willfully avoid responding to the pertinent violations below. Your comment that the appraisal used when you purchased your home supported its purchase price reveals the negligent and criminal activity. In fact, SunTrust employee, XXXX XXXX XXXX XXXX, confirmed the inaccurate valuation through her validation that cost approach was used on new construction in a volatile market, a blatant violation of FDIC rules. Again, SunTrust confirmed this valuation fallacy. Please refund my {$150000.00}.
The mortgage balance in all the accounts history was inflated in several instances including, but not limited to, the XXXX complaints, XXXX XXXX loan modification offer, and XXXX foreclosure proceedings. The inflated mortgage balance occurred due to the uncorrected mortgage issues based on the following illegalities, fraud, and/or violations : 1. Appraisal was illegal. You possess the document that clearly shows the illegal conflict of interest. Because the appraisal was illegal by the SunTrust Mortgage broker, the real estate contractcontaining an appraisal contingency -- and subsequent mortgage note was null and void. An appraisal performed by the spouse of a SunTrust Mortgage broker is fundamentally, technically, and outright illegal. SunTrust only confirmed he was licensed.
This mortgage fraud and violation should have voided my mortgage in XXXX. SunTrust Mortgage failed to take appropriate action.
2. Cost Approach used in valuation violated FDIC policies. Illegal appraisal was based on cost approach in a volatile market that is prohibited by the FDIC. XXXX has NEVER provided supporting evidence about its valuation to justify the mortgage balance. NEVER once.
3. Economic Depreciation is missing from appraisal. This section was blank and should have reflected the market volatility.
4. Comparables were flawed. Evidence was provided to show that comparables were flawed.
SunTrust Mortgage has NEVER substantiated the valuation and appraisal legality.
Failing to resolve this matter in a reasonable and equitable way is a violation. Failing to respond to what you believe is a closed matter will only continue the mounting violations of concealment. Just because SunTrust arrogantly suggests the matter is closed is a moot point. Truthful answers, transparency, and a reasonable resolution close this matter.
Please be advised that under the Fraud Enforcement and Recovery Act of XXXX ( FERA ) and False Claims Act ( FCA ), SunTrust Mortgage is obligated to address its mortgage servicing and fraud violations for XXXX ( XXXX ) years.
All the information above is provided and reported to the best of my knowledge and ability. Any errors or omissions are accidental or unintentional.
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| 08/18/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I have had business checking accounts with SunTrust Bank for several years. Out of the blue, I received an unsigned letter demanding that I close all accounts. No reasons were stated.
I called the bank at the given number. No explanation was forthcoming. The staff member was most unhelpful and had an attitude.
I have written to Sun Trust : please see below : XXXX XXXX XXXX 2016 XXXX XXXX XXXX SunTrust Bank XXXX XXXX XXXX, XXXX GAXXXX I refer to your unsigned, presumably machine generated, letter of XXXX XXXX, 2016. For ease of reference, I attach a copy. It is also noteworthy that the letter does not cite the particular account ( s ) that is the subject of the demanded actions. By any account, the letter is a shoddy attempt to communicate with a client in good standing. All in all, your actions are reprehensible and unbecoming of a financial institution. Apart from the demands being made, I am surprised that in a matter as important as this, the letter was unsigned. This by any account is unbusiness-like, discourteous and unethical.
I am totally at a loss as to the reasons for the action you are taking in demanding that I close my accounts with your Bank. I am doubly disgusted by the fact that an attempt to obtain a clarification proved to be an exercise in futility and left me totally frustrated. The actions taken and the attitude displayed are unbecoming of a banking institution that has pretensions of claiming to be customer friendly.
For the record, I would like to point out that over the several years during which I have banked with SunTrust, I have managed my accounts in a highly responsible manner. In the course of recent transactions involving foreign receipts and payments, I was meticulously careful to provide full documentation ( contracts, agreements, invoices, and relevant correspondence ) pertaining to the transactions. I am cognizant of the fact that Government regulatory agencies have heightened the bar concerning foreign transactions. Hence, I was completely transparent but it would appear my efforts were in vain.
Had your XXXX XXXX been remotely competent, a call to your Branch would have confirmed the nature of the documentation that had been provided. Your Team could have also reached out to me if further supporting documentation was needed. You would have easily established that the XXXX XXXX XXXX is an international consultancy that counts among its many international clients such entities as the XXXX, XXXX, the XXXX of XXXX, XXXX, and XXXX etc.
I am taking the necessary steps to close my accounts with SunTrust. I have no desire to be engaged in any further business transactions with an entity such as yours given the despicable way in which your unit has acted and the rude and offensive tone you have chosen to adopt. Indeed, I am taking steps to advise all associates and colleagues of my experience and urged them to avoid banking with SunTrust.
I am also notifying the Consumer Financial Protection Bureau with a request that the Bureau investigates your actions and, if appropriate, impose sanctions. Please be also advised that I reserve all my legal rights.
XXXX Chief Executive Officer cc Branch Manager SunTrust Bank XXXX XXXX XXXX XXXX XXXX
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| 03/09/2017 |
Yes |
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Web |
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Please help this is a true tragedy : Back in XX/XX/2016 my bank ( Sunburst in Maryland ) offered me a " better credit card rewards '' than the one I already had to pay for my gas and my groceries.
The person that offered me this credit card who I believe is one of the managers at that location at the same time suggested I close my personal account because that particular account was still joint with my ex husnband 's name which I personally did not mind but I agree to replace it for a new personal account without his name on it.
The agreement was also to MAKE SURE all of the automatic payments, like my OLD CREDIT CARD, mortgage, insurance etc were all transfer to new personal account before closing the OLD personal account.
He reassured ma all automatic payments were in fact transferred to the new account.
Apparently In the " old credit card, there was still a balance of XXXX cents that this person that " HELPED ME '' was supposed to pay it off before closing the old account Well ... Apparently hi did not only left the old credit card OPEN which was n't supposed to be left open but the card was still trying to get the payment from the THE CLOSED account.
When more that a few letter arrived last year saying I had an unpaid balance that was not being paid because the account was close I did n't understand nor did I had a clue as to what they meant or what was going on.
So I finally went to Suntrust again to ask about this. At that particular Sunburst the lady at the Branch in XXXX Maryland said that in fact " I do n't have a credit card with those last four digits therefore there must be a mistake.
This was back maybe in XX/XX/XXXX of last year. So I let it go.
Well Suntrust tried to reach me again via phone about this and once I understood what was going on and that the old the credit card was in fact still open and trying to collect funds from that one account has closed without closing the old credit car or the automatic payments I went immediately to the branck and demanded to close that account and paid the unpaid balanced that this has cost me an incredible amount of grief.
But this is not the real tragedy The real tragedy is be cause of this horrible mistake my credit score went down about XXXX points!!!!!!
I ve been trying to reach the credit report people to please dispute this that this is not my fault. Sunburst now is claiming there is nothing they can do that nowhere is written something went wrong, they are saying basically this is my fault.
Now the credit report automatically took average one hundred points because of this.
This is a tragedy no one should ever go through.
I work so hard to pay my bills on time, I ve never ever ever been late on any payments Please help The name of the entity is Sunburst Bank and the branch that had the person done this is in XXXX Maryland. The first name of the person that works at Sunburst that has made this error of neither closing my credit card nor transferring the unpaid balance to the new account he opened is XXXX The woman that said I do n't have that credit card on file and to let it go back in XX/XX/XXXX of last year was in XXXX Maryland on the Suntrust branch right of XXXX.
Please help!!!!!!
XXXX XXXX
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| 06/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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First see CFBP Case number : XXXX and read my original letter to SunTrust Mortgage dated XXXX XXXX, XXXX. This issue is not fully resolved. Since I was unable to continue my dispute with the Case number : XXXX, I have to open a new complaint. On my original complaint, SunTrust has XXXX internal case numbers, XXXX and XXXX. I had 2 issues with SunTrust.
First, SunTrust has notified me that my mortgage escrow is short by {$3000.00} and now I must pay an additional {$250.00} per month over a 12 month period. This additional 'unexpected ' payment will most likely cause a hardship on my family. After researching my closing document from XXXX XXXX, I believe SunTrust is in violation of RESPA 12 CFR 1024.34 - Timely Escrow Payments and Treatment of Escrow Account Balances and RESPA 12 CFR 1024.17 ( c ) ( 2 ) and ( 3 ) and 12 CFR 1024.17 ( k ) - Escrow Account Analysis ( see attached ). This issue is SunTrust 's case # XXXX.
Second, while we disputed the escrow error with the bank, our mortgage payment is due, so we are trying to get the payment spread out over as many months as possible. I called on XXXX XXXX, spoke with XXXX to get payment extended over XXXX months. Said she would submit it for approval and for me to call back on Thursday XXXX XXXX. SunTrust called back and initial customer service rep said it could only be spread over 18 months. I explained our situation that we were told a minimum of XXXX months and I needed to speak to a Supervisor. Supervisor said we were denied for XXXX months but approved for XXXX months. I explained that our financial situation would not allow us to afford the payment over XXXX months and this could potentially cause us to be short every month. She said she would resubmit it, explaining our financial situation and to call back next week. This issue is SunTrust 's case # XXXX.
On XXXX XXXX, I received notification from CFBP that SunTrust has responded to my dispute and asked if this resolved my issue. On XXXX XXXX I responded back that it only partially resolved my issue. Here is my response : SunTrust has only partially addressed my issue. They have provided me two case numbers for two different issues. Case # XXXX was for my issue with the monthly payment being spread out over a XXXX month period. This resolution I am satisfied with. However, I only pursued this course of action because the bank refused to suspend the additional escrow payment while I disputed the validity of my escrow account being short.
" I am still pursuing my complaint/dispute with the SunTrust case # XXXX. See attached " SunTrust escrow letter and attchmnts '' for my original request/dispute submitted on XXXX XXXX, XXXX. This issue has not been addressed yet. I am still disputing the validity of the escrow shortage and believe the bank is at fault for this error. '' Therefore, since SunTrust has not addressed my original issue about the validity of the escrow shortage and I believe SunTrust is in violation of RESPA 12 CFR 1024.34 - Timely Escrow Payments and Treatment of Escrow Account Balances and RESPA 12 CFR 1024.17 ( c ) ( 2 ) and ( 3 ) and 12 CFR 1024.17 ( k ) - Escrow Account Analysis, I need to continue with my dispute until fully resolved.
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| 03/19/2017 |
Yes |
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- Credit decision / Underwriting
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Web |
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XX/XX/XXXX In XX/XX/XXXX when Suntrust Mortgage Inc. was handling my application and receipt of funds from the Keep Your Home California ( KYHCA ) Principal Reduction Program ( PRP ) Suntrust violated the KYHCA PRP regulations which required that Suntrust simultaneously apply those KYHCA PRP funds to reduce the principal amount of my V. A. home loan with Suntrust, as well as to at that same time Recast that V. A. home loan. Suntrust only reduced my V. A. home loan, but never did recast my loan, " There was an error with the recast when initially performed. Everything was done correctly, however there was a lag causing a gap in payments that were not covered by XXXX hence the past due amount. However, this issue has been resolved with the state of CA. They agreed to send funds to bring the borrower current. These were just received yesterday and I will apply them to the account tomorrow and the borrower will not be due until XX/XX/XXXX ... '' ( Tuesday, XX/XX/XXXX XXXX Suntrust employees internal email from XXXX to XXXX, and cc 'd to XXXX and XXXX, found on attached documents, labeled page XXXX on lower right corner of page ).
These additional KYHC PRP funds mentioned in that email were to cover the mortgage payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, as stated in the Tuesday, XX/XX/XXXX XX/XX/XXXX internal Suntrust employees internal email from XXXX to XXXX, and cc 'd to XXXX, and XXXX, found on attached documents, labeled page XXXX on lower right corner of page.
On the email dated Thursday, XX/XX/XXXX XXXX ( found on attached pages XXXX, XXXX, XXXX ) from Suntrust employee XXXX to KYHCA employee XXXX and cc 'd to Suntrust employee XXXX, in which XXXX wrote, " I received your message this morning and XXXX has filled me in on the details of this loan and the error that occurred. We have reached out to our internal sources to see what steps need to occur for this to be corrected ... '' With this email, Suntrust employee XXXX fully admits to KYHCA that only Suntrust is at fault here and that I am Not at fault for the Suntrust error, that Suntrust is completely at fault here.
Therefore, based on the information in the emails listed and attached here, and because of this admitted error by Suntrust, which is also in direct violation of KYHCA PRP regulations, Suntrust alone caused me to not be able to afford my mortgage payments of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and which Suntrust has illegally and wrongfully reported these missed mortgage payments to the XXXX credit reporting companies of XXXX, as delinquent debt on my part. Suntrust reported this information illegally and with the intent to ruin my credit, despite Suntrust having full knowledge all along that I was Not at fault in this situation, and this is demonstrated by Suntrust internal emails as well as Suntrust emails to KYHCA where Suntrust admits fault during this entire situation.
This has resulted in much damage to my reputation and credit history, solely based on the admitted actions by Suntrust employees and this, has ruined my credit and has caused me to be denied credit several times because of that illegal and wrong acts by Suntrust employees.
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| 08/21/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have banked with SunTrust bank for nearly 20 years, in addition to having XXXX with them for 5 years and being one of their most decorated XXXX in XXXX, FL ( SunTrust XXXX ). After having XXXX and banked with them for so long, I received a letter in the mail stating my accounts were set to be closed and no further information about this decision could be given -- and that the decision was " irrevocable ''.
I received the same letter last year from XXXX XXXX in Client Services, but was able to overturn the decision based on the fact they KNEW me and their issue at the time was incoming wire transfers from XXXX XXXX. I explained that I obtained a job in XXXX XXXX as a XXXX. I was simply transferring part of my salary, once a month, to SunTrust. It was black and white and I told them I could send them my employment letter and proof of income, if needed. A week later, they stated all was well and that my accounts would remain open.
Now, one year later, I received the same account closing letter.
My father wired in {$200000.00} from abroad 3 months ago. My father XXXX and I let SunTrust know the wire was incoming and contacted the branch manager to make sure she was aware and also to let me know if there were any forms or documentation they needed from me.
At that point, the branch manager stated all was well and convinced me to open a money market account to keep part of the money in, which I did. She also stated I should use my checking account more often since SunTrust is such a convenient bank, which I ALSO did. I routed some of my business direct deposits through the account ( since I was a sole proprietor and the business was simply in my name, she stated that would be okay ). I shared with her my online store addresses, which were adequately successful and which were the source of my deposits. So I started receiving my earnings in my SunTrust account and moved things around to make it my primary account.
Next thing I know, two weeks ago, my internet banking could not accessed. I called in and they say a letter has been sent to me stating my accounts were set to close. Reason? None given. I spoke to a VP in Client Services named XXXX XXXX who provided no explanation or reason, and that my account would simply be closed.
This happened after I received {$200000.00} and after I opened a money market account with them, at their request, and after I started receiving my deposits primarily through SunTrust.
The inconvenience this caused was significant and nearly crippling the short term, and the fact they even asked me to open further accounts then closed them was a slap in the face, especially since I 'd also banked with them for so long AND XXXX for them too. My account has been exemplary, no overdrafts, never any issues.
I believe the closing is purely an emotional decision made by someone who did not study my case properly, or someone who has shown bias to an XXXX XXXX name ( even though I am actually XXXX ). I had {$100000.00} in the bank when they closed the account, most of it sitting idle in a money market account.
I am certain this is a story the media would devour, but I prefer going a more civil route. For now.
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| 03/05/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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Suntrust/ XXXX XXXX XXXX XXXX Complaint My Name Is XXXX XXXX XXXX Company EIN XXXX Company Name : XXXX XXXX XXXX Time In Business 3yrs Merchant Id : XXXX Merchant Id : XXXX Contact Email : XXXX I opened a business account with SunTrust following that I opened a Merchant account as well. I recieved my welcome letter from XXXX XXXX XXXX XXXX letting me Know That I will Have a team of specialist at my service for 2 statements along with my login credentials.
Everything Started out ok the first few weeks then on XX/XX/2018 I notice there wasn't any activity in my account I was like, ok I'm going to give it some time the money may not have come to my account yet, so a few days went by and I decided to call SunTrust Risk Management Department and see what was going on and I left a message and XXXX XXXX called my and informed me that my account was on hold and she sent me a email. I began to reach out to my Clients and customers to get this matter resolved. upon me doing so I recieved another phone call from XXXX XXXX Risk Management, Letting me know that I dont have that much time, and I let her know I'm waiting on my clients to put ther signatures on the invoices and I will send it quickly she said ok make sure your do this so soon I said ok. I did so and sent a Email as well confirming just to be on the safeside. I began checking my account and there was still no activity then I find out that my account was closed, I called the department everyday from the end of XXXX until now I have called numerous numbers XXXX gave me and made they sent numerous emails stating to risk management I needed a courtesy phone call. no response straight to voicemail. XXXX XXXX gave me the case numbers and told me to send one to risk management and there department. I spoke to the Guy name XXXX XXXX from XXXX XXXX who did my setup/ application and he wrote 2 support tickets, he then tell me that I just have to wait for the disputes in the mail and for risk management to call me that there was nothing he can do its out of his hands. I also went to suntrust branch to ask for help, they sent a fax with all of the documents XXXX needed. XXXX was there the 2nd time I came in and he told me he was new he just got started. by this time I'm very upset because my accounts are closed and my business account has went to collections because of this. none from the so called team of people was there nor did they offer to help they just started sending me to XXXX voicemail. Now I am no longer able to login into any of my accounts and they did not tell me when will the funds be released eveytime I call it says this account is not recognized and they have blackballed me from being able to open another merchant account, I've been in business for 3 years and as soon as my hard work begins to pay off this happens. They did'nt even offer me a loan or ways to protect my account from getting to that point or ways to help resolve this problem. now my business has taken a hit because of it.
Numbers they gave me 1. XXXX option # XXXX supervisor line 2. XXXX 3.XXXX 4.XXXX 5. XXXX 6. fax # for documents XXXX chargeback dep. option XXXX 7.XXXX option XXXX 8. XXXX XXXX option XXXX
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| 03/10/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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OKAY ... ... .. IN A nut shell ... ... .. Sun Trust bank STOLE MY CAR. They basically stole my car because of 3.5 months of late payments. Seriously ....?? First of all, I can literally afford to pay it - the monthly payments AND THE late balances that I owe. Okay, so what I was late!! There was a ( honestly ) hiccup in my finances - nothing serious. They do n't know this and they do n't care. I do!!! I needed my car and I can afford it - the monthly payments. I 'm seriously angry that they stole a well maintained, clean, driven very little over three years and with three years of remaining payments. SO .... I 'm some how good for three years of payments BUT some how I ( I have a financial hiccup ) and I 'm not good for the next three years ... ...??? How does that makes ANY sense?? Is these people for real ... ..? SO ... XXXX you ( Sun Trust bank ) you are going to STEAL MY CAR that is half way paid for because of some ( XXXX ) late payments and leave me high and dry to the point I ca n't check on the properties that I own and land that I own and conduct my other personal and financial business.
This is PURE EVIL!!!! Only the DEVIL would do something like that!!! See, I have to work out of state. I was not home for a month and a half. I have been late before with them BUT THEY NEVER done the things that they have done that have lead to them STEALING MY CAR. When I got home, there was a bunch of letters from them and my car was STOLEN out of my driveway like I was a bum!!!!!
The insurance and the property taxes were paid for for that car. How do they just steal it from me like that. I CAN afford to pay for this car - late or not late!!!!! How does a criminalized bank steal a {$30000.00} car for three late payments ...? I truly believe that there was a more humane, civil, professional, efficient way of dealing with this situation before they STOLE MY CAR. IN THE REAL WORLD, they have invented BOOTS to put on my car ( until I make up to date payments ). I would have RESPECTED that more than anything else. I really do n't understand the balance and gravity of the situation. My only obligation to them was on XXXX 2018 -- - when the LAST payment is due.
They should have sent representatives of the company to my house -- instead of people to verify my address -- to discuss the situation instead of snatching and grabbing people 's property and lives/livihoods. Only XXXX would do something like that -- What Sun Trust bank did to me!!!!!
But the worst criminal aspect of this whole situation is that my home is left vulnerable to criminals because of Sun Trust bank 's criminal behavior and actions while I 'm at work in another state. Now that is PURE EVIL!!!! Crimminals ( day or night ones ) will think I 'm NEVER home. Now what ... ... ... ... ..????
See, what they fail to understand that if I was like them AND I could n't afford to pay my car - which I work VERY HARD for - I would have taken the car with me so they would not be able to STEAL my car from me!!! People who have EVERY intention to pay for the car in its entireity pay their insurance and the property taxes on the car -- - and maintain they car in excellent condition.
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| 06/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Update # XXXX : It is now Friday, XXXX XXXX.
Our mortgage loan did not close.
Despite the transfer of all settlement documents to the closing company last night after XXXX ; the snatching of the last available appointment the closing company had for today at XXXX ; after all questions had been answered and verified to the MI Company XXXX after SunTrust said, " all we are waiting on is the MI Certificate of Coverage which we will get in the morning ... and knowing they would send it straight to the closing agency ASAP ...
We were called by the bank at XXXX today, Friday XXXX XXXX, and told, " The MI Company denied you. " This has been a nightmare.
The MI Company, XXXX, says this on their " About Us '' page : '' Approved by XXXX and XXXX XXXX and licensed nationwide, XXXX is a private mortgage insurance partner you can trust and rely on. " I fully qualify for this loan having met every. single. standard. put into print by XXXX and XXXX XXXX - and in most cases, I have exceeded those guidelines. The loan was approved through XXXX levels of SunTrust underwriting with strict attention to XXXX and XXXX XXXX 's published guidelines.
For the MI Company to not conduct their review by XXXX XXXX XXXX guidelines and insure a qualifying loan for no clearly defined reason other than " ... we 're worried about his student loan ... '' is certainly their prerogative, no doubt.
XXXX is a privately owned company in the United States after all.
However, at that point, their private business needs to be excluded from all participation with XXXX XXXX XXXX. ... meaning all future loans their private business DOES insure for coverage should be disqualified for sale to XXXX XXXX XXXX.
It is the only right thing to do. Since MI coverage must be in place in order to sell a conventional mortgage to XXXX XXXX XXXX, and the mortgage companies will not close a conventional loan that they can not re-sell to XXXX XXXX XXXX, and the borrower is left at the mercy of the MI company ... .well, you can see that it is the borrower that gets caught needing something that is " required '' by XXXX XXXX XXXX and then, being denied by a private company ... ESSENTially killing a sale that was 90 days in the making and 3 days past its contracted close date.
Not exactly ideal for the borrowers.
At this point - XXXX again on a Friday afternoon - everyone is now scrambling.
The seller would like to void the deal.
The realtors are suggesting a lease/purchase arrangement while SunTrust figures this out.
The mortgage officer is researching whether or not SunTrust can cover their fault with self-insurance of our loan so we can close.
Our personal bank will close at XXXX this afternoon.
Our movers are scheduled for Monday morning.
And I - well, I 'm trying to focus on my job and suppress the panic of knowing our lease has been terminated for our current residence and soon, if nothing changes over this beautiful XXXX weekend, I will have no housing for myself and family.
And, absolutely none of this nightmare was within my realm of control. My obligations and criteria were fully met.
Wow. I really do not think it 's supposed to work this way.
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| 09/26/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I am in extreme need of advice and possible services, regarding a home I purchased back in XXXX, XXXX. I bought this house in hopes to retire to after I completed my over 20 years of XXXX service in the XXXX XXXX. I used my VA Home Loan and since the home was new, built in XX/XX/XXXX, XXXX did n't require a home inspection. It turns out after several months living in this home my wife and middle daughter begin to get really sick and we could n't figure out why? I was not living in the home due to back to back deployments XX/XX/XXXX ' and did n't really know how bad things really were. My wife reached out to the builders, XXXX XXXX on several occasions and they refused to help her. Finally in XX/XX/XXXX we could n't continue to pay for the things that kept going on with the home and the continuing health issues suffered by my family, so we moved. I could not afford to pay rent somewhere and the hefty mortgage on the home in question. After several months we hired a listing agent to take care of the property and list it for us. After a day or two of being in the house she ( XXXX XXXX Listing agent ) noticed a strange odor in the house and thought we might have been hit with at the time they were calling " XXXX DRYWALL '' made by XXXX ( XXXX )! She recommended we have a home inspector come in and see if this was the case. It turns out it was exactly that. She then recommended an attorney that was already representing hundreds of other clients for the same issue. It turns out that after the initial class action was closed and all affected were compensated, every one that came after would have to hope the lawsuit would be reopened. We have been in the Class Action lawsuit ( MDL NO XXXX ; SECTION XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX ) for 4 years now. That is the suit and the address of the house affected. I was informed by my attorney on XX/XX/XXXX because the XXXX, which I was unaware of, foreclosed on the home that I most likely would n't receive a settlement. I know that my home builder and suppliers are both on the list that I received from my Attorney ( XXXX XXXX ESQ. ) of XXXX, XXXX law offices home based on XXXX XXXX, FL. She informed and recommended to me, that I should look into a foreclosure attorney to possibly filing a single claim on this situation. I really would appreciate it if you could give me any information whether you think your office could intervene or not? I just want to find a resolve to this situation, so I can start rebuilding what would be an unblemished credit report, if not for my purchase of " what I thought would be my dream home '' I received a notice today XX/XX/XXXX stating that XXXX XXXX was going to foreclose on me and put a lean on my bank accounts and any property. I also want to make it clear I have reached out to everyone you can possibly imagine from XXXX XXXX XXXX, Atty Gen XXXX XXXX and all the way to the Office of the President and the Office of the First Lady. I have years of documentation from my desperate attempt to receive the proper attention to this life-altering experience. Please Help!!!!
Respectfully, XXXX A XXXX ( XXXX ) XXXX : ( XXXX ) XXXX : XXXXXXXXXXXXXXXXXXXX
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| 04/15/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan modification,collection,foreclosure
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Web |
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XX/XX/XXXX Complaint # XXXX To whom it may concern : We built our home in XX/XX/XXXX with Suntrust Mortgage ( Loan # XXXX ) and they did some kind of loan modification for permanent financing but increased our interest rate and placed us in an Adjustable Rate Mortgage tied to the LIBOR Rate, which was found to be criminally manipulated by major banks harming us.
Suntrust told us our payment would be one amount and then the payment increased substantially at the closing table adding $ XXXX/month for private mortgage insurance that we were not told about. They then told me that they could refinance after one year and could at that point get the payment lower. After the first year, in XX/XX/XXXX I went back to them to see what they could do, at this time the housing market was in collapse and they told me there was nothing that they could do. We have fought to pay them over the years.
As we have fought to pay this mortgage over the years, we have been victims of an unscrupulous business partner which destroyed our financial income, pushing us into Chapter XXXX bankruptcy.
Last year in XX/XX/XXXX we attempted to sell our home through a short sale with the help of a realtor and got a full offer right away. At that point our house was ready to close and we were bringing money to close but Suntrust would n't co-operate with our realtor, we had sent all of the required documents that they asked for in to them, however they kept telling us that they had not received all of the required documents, we have resent the same forms time and again via email and fax and were getting confirmation that the emails and faxes had been received. After a month of anxiously waiting, the buyers decided to move on to purchase another house.
Now again we have an investor that wants to purchase the home through a short sale and Suntrust is doing the exact same thing, they are trying to hinder the short sale by again asking for paperwork that we have already sent in. This has now been going on for several weeks, it seems like a stall tactic on their part as they have given me a foreclosure sale date of XX/XX/XXXX at XXXX. I am simply trying to get them work with us to do a short sale so that that I do not have a foreclosure on my record, I am trying to get back on my feet financially and want to be able to purchase an affordable home in the future.
Please help us to do a pre-foreclosure sale so we do n't have a foreclosure on our record. We are a young family who paid over {$250000.00} on our mortgage. Suntrust received a {>= $1,000,000} bailout from the American taxpayers. Can you please help us postpone the foreclosure sale date scheduled for XX/XX/XXXX at XXXX so we can sell our house and move on without a foreclosure?
I have attached just a few of the letters that they have sent me recently claiming they have not received paperwork, my realtor XXXX XXXX with XXXX XXXX, XXXX XXXX, with XXXX XXXX XXXX ( who took our case pro-bono ), and myself have all sent them everything that they have asked for but they deny every getting any the documents.
We want to thank you for any help you can offer my family and myself!
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| 11/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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We are writing to kindly request that you dispute the delinquency of payment for SunTrust mortgage.
The account in question was identified as delinquent on XX/XX/2019and reported by SunTrust to the credit bureaus. In discussion with SunTrust, the delinquency occurred due to a simple transposition error of the XXXX payment. The check was made for the amount of {$310000.00} instead of {$3200.00}.
We are appealing this delinquency under the Consumer Financial Protection Bureau regulation 1024.39 Early intervention requirements for certain borrowers. Specifically, we are disputing the lender/servicer SunTrust did not make a Good Faith Effort to contact the borrowers. The regulation is attached as addendum A and the specific language copied here.
" Good faith efforts. Good faith efforts to establish live contact consist of reasonable steps, under the circumstances, to reach a borrower and may include telephoning the borrower on more than one occasion or sending written or electronic communication encouraging the borrower to establish live contact with the servicer. The length of a borrower 's delinquency, as well as a borrower 's failure to respond to a servicer 's repeated attempts at communication pursuant to 1024.39 ( a ), are relevant circumstances to consider. For example, whereas good faith efforts to establish live contact with regard to a borrower with two consecutive missed payments might require a telephone call, good faith efforts to establish live contact with regard to an unresponsive borrower with six or more consecutive missed payments might require no more than including a sentence requesting that the borrower contact the servicer with regard to the delinquencies in the periodic statement or in an electronic communication. Comment 39 ( a ) -6 discusses the relationship between live contact and the loss mitigation procedures set forth in 1024.41. '' SunTrust indicated they tried to contact the borrower, via snail mail and robocall to her cell number above. SunTrust indicated they made no attempts to contact the co-borrower, as they did not have his residence address or his cell phone. However, SunTrust regularly contacts the co-borrower to confirm payment receipts via emails/electronic communications. These can be provided. The first indication of delinquent payment was on XX/XX/2019 when co-borrower was notified of delinquent activity on one of his accounts through XXXX.
There is no documentation indicating that SunTrust attempted communication with the borrowers despite availability of email. Importantly, upon learning of the error and the late payment, the borrower rectified the missed payments and paid the penalties in full. Her rapid response is indicative of how seriously she has taken this matter.
The request for review and removal of the delinquency notice from our records is based on inability of SunTrust to communicate the error in the XXXX payment. Given the exemplary record of payment on this loan to date by borrower as well as the exceptional credit history of co-borrower, this appears to be a typo/transposition followed by break in communication with the borrowers.
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| 02/11/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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My name is XXXX XXXX and I am the XXXX. On or after XXXX XXXX, I opened up XXXX business checking account ( s ) with SunTrust XXXX I was in the branch for several hours working directly with the branch manager, a personal banker and a merchant account representative. I specifically, requested that my accounts be linked to prevent overdrafts, along with other request. I left that meeting with the direct impression that all of my needs had been met.
On or after XXXX XXXX, I filed a dispute inside of the branch regarding XXXX debit card charges that were wrongly assessed to my account. To date I have not received any credits for those charges. On or after XXXX XXXX, my account was assessed over draft fees which totaled roughly {$180.00}, for debit card charges and a check transaction ; although I had more than enough money in my account ( s ) to cover them.
I spoke with the branch manager " XXXX '' who rudely argued with me and informed me that my accounts were not linked and that I had never requested that service. All of which is not the truth. We bantered back and forth about it and he reluctantly gave me a credit for those charges. I told him that I would come in and refill out the required documents to have my account ( s ) linked.
On XXXX XXXX, XXXX and the XXXX I tried unsuccessfully to transfer money from my merchant account to my operating account via my mobile app and my desktop computer. It kept giving me an error code. On XXXX XXXX my account went into the negative, a check for {$1000.00} had been returned and numerous fees had been assessed. I went to the branch and spoke with " XXXX '' about my account. Once again I had the money in my account ( s ) but due to a bank system error, it would not allow me to transfer funds. XXXX stated that sometimes the system will block you, if you are attempting too many transfers in a day. He told me that he would not credit me back for the fees, even though it was not my fault. I told him that I was going to file a complaint.
On XXXX XXXX, I attempted to place a stop payment on the returned check but the SunTrust system, would not allow it, so I went to a branch ATM and withdrew out {$1000.00} to cover the check in cash that had been erroneously returned. On XXXX XXXX, the same check was re-presented for a second time and my accounts were assessed multiple fees and has remained in an overdraft status for two days. It 's egregious that I have had numerous problems with my account ( s ) in addition to having enough funds to cover every transaction that I have made. Lastly, I have had to deal with an argumentative and overzealous branch manager that has a clear problem with listening, understanding complex situations and the need to prove himself right in the face of overwhelming truth that he is not right. I am requesting the following : 1. All overdraft and return check fees be refunded to my accounts.
2. A block be placed on check number XXXX, in the amount of {$1000.00}, because it has already been redeemed in cash.
3. That my XXXX debit card disputes, be credited back to my account.
My account ( s ) numbers are : XXXX XXXX XXXX
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| 07/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I am having a bunch of problems with " XXXX, '' my family and " XXXX. '' During my career in the XXXX, I had a hard time. I lost everything after I decided to not to play crazy by running around from base to base about not having a family care plan. After getting out of the XXXX, I lost custody of my children after a lot of false allegations and jealousy from people in the know. Anyway, I have tried to move on to every aspect of my life but, I just can not seem to move on because people seem to want to hold a grudge against me in every way. I only filed two complaints while on XXXX XXXX, One XXXX and One Whistleblower. Just recently in XX/XX/XXXX and XX/XX/XXXX, I have decided to fight for myself. I have never played the victim when in all actuality. I am quite the victim. I have asked for help and to have my request go unanswered. Well, I just want you to know that I have gone to your bank on several occasion to be denied access to my account with a legal driver 's license whether it be a paper or hard-copy from the State of Georiga. One lady who I assumed to be XXXX refused to issue my money on two occasions. I went to banks in XXXX to have them tell me to go to the XXXX side of town or a XXXX Attendant. I have had many many fraud alerts on my debit card issued on my use of it. When there is actual fraud, there is not an alert. The people from the XXXX branch as been entertaining reports about my spending from people who I do not know. And, they continue to call me on the phone about investment opportunity when it is clear that people have been deliberately stealing from me and there are fraudulent issues with my account. I have tried to get online access to my account but, they attendants have refused to send the link to my email address. I do not want to switch banks because I would certainly have the same problem. AND, I WANT SUNTRUST TO KNOW THAT I CAN SPEND MY MONEY ANYWAY THAT I WOULD LIKE. I have been in a bank in XXXX when one teller moved over to another teller to tell her not to issue money to me. Also, I have been in the bank when someone who was standing in line with me tells the teller not to issue money to me. I do not know who is following me. But, I would like Suntrust to report these individuals. These individuals seem to have a relationship with XXXX, DFCS and the XXXX. My concern is that I get this looked at and to have the harassment from these individuals to stop. I only signed a form at the bank at the Suntrust at XXXX XXXX. Also, the people at the Suntrust Banks are not my friends. I do not appreciate them looking me up on XXXX. The people that I have mentioned are XXXX bent on causing me a lifetime of XXXX. I want it to stop. I want just compensations for the unauthorized access to my account, the fraudulent alert, invasion of privacy, harassment, intimidation and false allegations. They seem to want to try to close out cases so that they can continue their illegal activities. I do not believe them because they are really upset that I have gone to get " WHITE '' Attorneys. Please help me. Obama is not the President anymore. Also, tell them to stop calling me.
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| 12/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I am XXXX, XXXX, and am on Social Security XXXX.
I have a checking account at Suntrust Bank. Friday, XXXX XXXX, 2015 my check book was stolen from my car at about XXXX XXXX in XXXX XXXX XXXX. I immediately called the police in XXXX XXXX XXXX because it was not an emergency, they called me back about XXXX ), and immediately drove to the XXXX XXXX Suntrust Branch. I told the teller what had happened. The manager was standing there and joined our conversation. The teller and I were discussing closing the account, and the manager told us not to. He said that it was better to leave the account open with a small balance and open a new account with the rest of the balance. He also told me he was putting warnings and blocks on my old account, and assured nothing could happen. I checked with the XXXX Branch Monday and Tuesday, and went there Wednesday because a check had been cashed on my old account in the amount of {$710.00}. They told me someone at a XXXX XXXX XXXX Suntrust had over-ridden the blocks on the account, overdrawn the account, and cashed the check. I made a report to their fraud department at Suntrust while at the branch. The person taking the report was more interested in gathering information that would protect the bank, than finding out what had happened. She said that I was at fault because I had not closed the account, even though I told her I followed the Branch managers instruction. Fortunately the assistant manager got on the phone and verified what happened. They said they could not close the account because it was now in negative balance. During this time, my automatic deposit paycheck was put into the old account against the negative balance. They continue to bill overdraft and other fees. Again, I now have to call, or go to the bank for information because I do not have access to the account.
I have been on the phone with the fraud department twice. The policy is that you can not talk to the investigators, so I spoke to the manager of the fraud department. I had a strange and senseless conversation that included being able to put the money back into my account for two days, but then there would be overdraft fees. She finally said she could send messages to XXXX of the investigators to prioritize my case. That was four days ago and I have heard nothing. I no longer have access to the old account online. When I spoke to the XXXX branch manager, he said that he had not heard from anyone and that he had called the XXXX Suntrust branch where the check was cashed and that they could not figure out who had cashed the check.
I have never experienced such an escalating series of manager incompetencies, poor communication, and mangling of customer service ( except for the teller and assistant manager at the XXXX. Suntrust Branch- they were helpful and informative ). I have made the proper reports to the police.
Please, please HELP! I only have {$27.00}, It 's XXXX, and do not get paid until XXXX ...
Advice : Avoid Suntrust like the plague XXXX XXXX XXXX XXXX Contact information for : XXXX XXXX Suntrust Branch, XXXX XXXX, manager XXXX Suntrust Fraud manager, XXXX XXXX
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| 09/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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|
Web |
Servicemember |
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XX/XX/XXXX It is my belief that SunTrust Bank has/had illegally opened a SunTrust Consumer Credit Card account in my name in XX/XX/XXXX without my knowledge or consent. I just found out about it because I had received a letter from the SunTrust Bank in XXXX, Tn. dated XX/XX/XXXX stating " Upon review of your SunTrust Consumer Credit Account, we see that you have not used your Account in several months. '' This was the first that I learned of my having a credit card account with SunTrust. On or around XX/XX/XXXX I called the toll free number in the letter ( XXXX ) and spoke with a women by the name of XXXX who advised that I would need to go to my local bank regarding the problem ; I told her I was not about to run all over town trying to resolve a problem that they started. A claim number of XXXX was assigned to this issue. On or around the day after my conversation with XXXX I received a telephone call from a gentleman named XXXX who asserted that this matter was a " fraud issue '' and would be sending appropriate paperwork for me to fill out and file. I told him this was not a " fraud issue '' ; that it was done by someone who works in the bank itself. On XX/XX/XXXX I received an email from SunTrust at my XXXX account of issues with the credit card account. Shortly there after I received another letter from SunTrust Bank dated XX/XX/XXXX that they have " accepted our dispute on the basis of fraud and would be happy to investigate this matter on your behalf. '' The letter than goes on to request personal information, etc. I believe that what has happened is : Sometime in XX/XX/XXXX I purchased a truck from XXXX XXXX XXXX dealership in XXXX XXXX, Fl. that SunTrust was the bank that XXXX went through for the financing ; which means that the personal information ( drivers license, social security number, etc. ) that the XX/XX/XXXX SunTrust letter was requested they had to already have had it from my initial application via XXXX XXXX for the purchase of the truck loan application. Shortly thereafter in XX/XX/XXXX I paid the truck off in full. After a review of my credit rating through XXXX XXXX on XX/XX/XXXX ; XXXX XXXX reported the SunTrust Consumer Credit Account opened XX/XX/XXXX. I have asked for copies of the credit card application that had been filled out but have received no cooperation from the bank ... they are now trying to " blow smoke '' that this is a fraud issue. I believe that someone at the bank opened this account. What is also interesting is that I never received any credit card account statements during these past years. Do the banks and/or employees have or get any compensation for opening these accounts? And do car dealerships get anything from these issues? I believe that the only reason that this matter has come to a head is that they are " purging '' accounts that have not had any activity and this popped up.
I am filing this matter with you and under the Dodd/Frank Act through your organization. Please respond.
Sincerely, XXXX XXXX XXXX All documents regarding this matter would be faxed to you upon your request. Not able to send with this complaint ...
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| 04/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
Older American |
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Account : CHECKING XXXX Subject : BANK ERROR : -- REQUEST FOR OVERDRAFT FEE REVERSAL Acct - Checking-Ending ... XXXX { XXXX } XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX XXXX / RE : Request for fee Reversal of overdraft charges As of today 's date : XX/XX/XXXX OVERDRAFT ITEM FEE FOR ITEM {$540.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX as Date XX/XX/XXXX Amount- {$36.00} Running Available balance- {$69.00} total overdraft fees ( - {$72.00} ) dollars I XXXX XXXX, herein submit this message to the Florida Office of Financial Regulations and SunTrust Bank, Inc. customer service . And give notice to the account holder XXXX XXXX, Declined Overdraft Coverage and Protection Service Agreement .. Effective Date : XX/XX/XXXX.
Wherefore, on the date of XX/XX/XXXX, ..and XXXX, XXXX. SunTrust has repeatedly allow the account to be overdrawn. And assessing overdraft charges against my account. Even after being notified of my lack of interest in the OVERDRAFT COVERAGE AND PROTECTION SERVICES, that they currently offer. Furthermore, it is my belief, that SUNTRUST, opted to delay the processing of the XXXX Electronic | ACH Bill Payment. The transaction was setup sometime in the late XX/XX/XXXX. At which, was scheduled to be debited|withdrawn on XX/XX/XXXX. However, SUNTRUST causing the account to be overdrawn ; by giving priority to other transaction items, thus forcing the account to.incurr these deliberate financial discriminating bank fee charges.
SUNTRUST RESPONSE : If the overdraft fees of {$36.00} dollars, are not paid within a specific time frame. And an additional extended overdraft fee charge of {$36.00} dollars, which was automatically applied on XX/XX/XXXX. Furthermore, I have also request for a fee reversal, of the current overdraft charges, in the amount of {$72.00} dollars. That has been assessed against my account. the status of my inquiry is unresolved ....
Respectfully submitted By XXXX XXXX SUNTRUST BANK , INC. | OVERDRAFT COVERAGE AND PROTECTION SERVICE ACKNOWLEDGEMENT AGREEMENT Update your preferences regarding Overdraft Coverage for the selected account. Overdraft Coverage allows the bank, at its discretion, to authorize and pay transactions on ATM and everyday debit card purchases in situations where you have inadvertently spent more than your available balance. Overdraft Coverage & Protection.
Effective date : XX/XX/XXXX I had Decline Overdraft Coverage overdraft Coverage, for the specified account ( s ), and disagreed to the Overdraft Coverage as outlined in the Overdraft Coverage Notice. The NO selection indicates that you have declined Overdraft Coverage for the specified account ( s ). There is no charge for accepting this service.
However, if you have accepted Overdraft Coverage and have a transaction that is in excess of your available balance, you will incur a fee of {$36.00}.
As of today 's date : XX/XX/XXXX OVERDRAFT ITEM FEE FOR ITEM {$540.00} XXXX XXXX ONLINE PMT CKXXXX XX/XX/XXXX XXXX as Date XX/XX/XXXX Amount- {$36.00} Running Available balance- {$69.00} total overdraft fees ( - {$72.00} ) dollars
|
| 08/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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This is the second or third time I have been harassed in regards to a fraudulent transaction that was authorized by SunTrust Bank.
I have submit previous complaints in regards to this matter that I reported both to SunTrust Bank 's Fraud Department as well as the XXXX Sheriff 's Department 's Fraud Department.
All documents were turned over to the XXXX Sheriff 's Department for fingerprinting and analysis since the people in the local branch of SunTrust 's Fraud Department did not want to take responsibility for clearing a fraudulent check.
The Detective I spoke with in XXXX Sheriff 's Department stated the funds were sent out of the state of Florida and into XXXX, Ohio and the state of Illinois. I was advised the information was given to the authorities in those states and there was nothing more the state of Florida could do.
This information has been previously reported to SunTrust Bank in addition to complaints previously submit on this CFPB website in regards to this matter.
It was a case of fraud that I turned over to authorities. SunTrust is well aware of the situation and had access to the information that I personally walked into the local branch and gave to them.
I no longer have an account at SunTrust Bank. They cashed a fraudulent check and failed to protect myself and my children as one of their accounts. They lost my trust in addition to my business and access to my hard earned money.
I have reported this issue before. SunTrust needs to understand the continuous harassment can, will and should result in violations and fines.
I have repeatedly given them the information they do not want to admit. I have repeatedly told them via phone and writing ... DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER. DO NOT CONTACT ME VIA PHONE, MAIL OR EMAIL EVER AGAIN IN REGARDS TO THIS MATTER.
SunTrust Bank cashed a fraudulent check. I depended on them to protect me and my children as clients. I needed a bank that would protect my account. That includes Fraud Protection. SunTrust failed.
They were given the information that they did not want. I turned all documents, envelopes, everything over to the XXXX Sheriff 's Department.
This has been documented previously and in several complaints.
Now I am getting contacted by a company called XXXX XXXX XXXX XXXX XXXX They either bought or got sold what is called " bad paper '' also known as " dead paper. '' This is a Professional FYI to XXXX XXXX, XXXX : I am not going to waste my time on making a phone call to your office only to have to educate one of your inexperienced " agents '' reading off of a script called " How to do Debt Collections for Dummies 101 ''. However know this now, here it is in writing ... DO NOT CALL ME NOR CONTACT ME IN REGARDS TO THIS MATTER EVER AGAIN.
SunTrust Bank has a huge problem since they have been warned previously. SunTrust Bank cashed a fraudulent check. They know it as I have previously reported them. Their authorization has been revoked. I do not trust them with my money. They lost me as a client. DO NOT CONTACT ME AGAIN IN REGARDS TO THIS MATTER.
|
| 06/03/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
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Our sales closing date was today, XXXX XXXX, 2015.
XXXX XXXX - Our loan application package was submitted in full with the understanding from our chosen lender that " as soon as all the papers are verified as received, we will pass them to the underwriter '' - every. single. document. requested was provided to the lender and the lender confirmed receipt in full.
**XXXX! ** XXXX - The package was given to the underwriter.
XXXX XXXX - a few additional documents were requested. These were provided by return email within XXXX business hours.
Monday, XXXX XXXX - was a holiday.
Friday, XXXX XXXX at XXXX - the lender requested ANOTHER document.
Monday, XXXX XXXX at XXXX XXXX - the requested document was sent by return email with a gentle reminder that we were scheduled to close on Tuesday, XXXX XXXX.
Monday, XXXX XXXX at XXXX XXXX - we were phoned and told the closing documents would not be ready by XXXX XXXX at XXXX XXXX and that the lender would call in the morning and " let us know when the documents could be ready ''.
After no call in the morning, our realtor phoned and rec 'd voicemail and I emailed the lender 's manager for an update. The lender called and said " no closing today ... or tomorrow - the fully underwritten package would be sent to the MI company on Wed, XXXX XXXX. ( WHAAAATTTT???? ) and perhaps close by Friday, XXXX XXXX ...? '' PERHAPS???!! ... .by ... ..Friday???!
What is our recourse? Who compensates us for the loss of income for the days we have taken off of work to close and move? for the current lease that has been cancelled? for the movers that have been scheduled? for the family that is now unable to move in here because we can not move out? for the pre-move-in renovations and repairs that can not now be done because the builders and contractors are fully scheduled for the rest of the summer and fall? Who watches our dog during the move because the kennel is now full with summer vacationer 's pets?
I mean, EVEN IF THE LENDER HAD DENIED OUR LOAN 5 WEEKS AGO!, we would be better off than we are now. Had they said WE WILL NOT TOUCH YOUR DOCUMENTS UNTIL THE END AND THEN, WE PROBABLY WILL NOT MAKE YOUR CONTRACTED CLOSING DATE, we could have arranged a lease/purchase with the sellers and moved on time.
IF THE FAULT WAS OURS, we would eat the delay and apologize profusely, but we had no fault. Our package was complete and the requested additional documents were minor, and WE GAVE THE APPLICATION PROCESS EIGHT WEEKS.
There was no reason for us to believe the lender would not meet our extremely generous future close date.
What can be done to close tomorrow, Wed XXXX XXXX? Does the CFPB have any pull to coerce an immediate solution? An immediate close??
Or can you only listen to us complain about a broken system?
Lenders need some serious XXXX XXXX.
... and some financial penalties TO. THE. BORROWERS. when they have been such pompous and ignorant butts about the whole ordeal. XXXX knows if my mortgage payment is late - " ... maybe Friday ... '' - I 'll pay a financial *and* a credit bureau penalty.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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On XX/XX/XXXX I noticed a major ACH withdrawal from my SunTrust Checking Acct in the amount of {$7500.00}. I immediately contacted SunTrust and told them this was fraudulent and to stop payment. SunTrust was able to inform me the name of the person to whom the ACH was issued ( XXXX on behalf of XXXX XXXX (? ) ), and I again disputed this transaction as authorized. They issued Claim # XXXX, opened a new checking account, and transferred the remaining funds from the original account.
Approximately 1 hour later I noticed a large ACH withdrawal from my SunTrust Savings Acct in the in the amount of {$2100.00}. I immediately contacted SunTrust and told them that this was fraudulent, it just occurred, and to stop payment. This payment was to XXXX XXXX via ACH. SunTrust issued Claim # XXXX.
At this time I am being told that this is all under investigation and it will take approximately 7-10 business days to be resolved. SunTrust did not choose to credit my account back with these funds during their investigation.
I believe that SunTrust has been compromised for the following reasons : SunTrust gave me the standard statement about protecting cards, online access, changing passwords, etc. This could not have occurred in this situation though. 1 ) I only access this account through my phone, which means that any compromise means that both my XXXX and the SunTrust site were compromised ( and no other bank account at other Banks have been compromised ). 2 ) I only deposit funds into these accounts ( except for 2 auto payments debited from the savings account with 1 of the debits by SunTrust ), and therefore there is not a possibility that my account number ( s ) are out there in the world to be compromised. 3 ) I have not cards, checks, etc. for these accounts in use.
I expressed my concern that anybody in the world can enter in any account number in a payment portal, and there is no safeguard to prevent unauthorized ACH withdrawals. I personally only use Credit Cards for all purchases due to the protections associated with a credit card ( and hence why I don't use checks, debit cards, etc. for any of my bank accounts ). Additionally, SunTrust has no automatic feature to verify a large transaction as with Credit Cards ( i.e., the notifications I receive asking me to confirm a transaction ). Had there been this safeguard I could have declined the transaction before it was allowed to process.
In this instance I feel that SunTrust has been compromised, and it is me that is suffering. I am out approximately {$10000.00} with no real assurance this will be resolved timely or in my favor. I feel that we will hear on the news 6 months after SunTrust and XXXX XXXX XXXX merge that " they were hacked '', but that shouldn't be my problem. I believe that SunTrust should provisionally credit my accounts while they conduct their investigation and get their money back. They know where the money went, and we issued Stop Payments on the ACH payments while they were still " pending ''. Why it takes 10 days for the Consumer to get his/her money makes no sense.
|
| 02/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I had submitted a complaint last XXXX to Suntrust, asking them to finally correct damaging and false information sent to the credit bureau telling them the following ( word per word on my CB ( credit bureau ) report ) : XXXX Suntrust Mtg DELINQ XXXX Late Dates XXXX, XXXX, XXXX FORECLOSURE INITIATED ; CONVENTIONAL REAL ESTATE MORTGAGE ; XXXX ACCOUNT/ SERIOUS DELINQUENCY. To then get a reply today from Suntrust saying they reviewed my concerns on their negative information they sent to CB, stating they are required to report accurately, then goes on to state I became delinquent in XXXX XXXX, funny how they never mentioned that in all my 13 years of my loan I was never ever late till then. Then mentioned payment was posted in XXXX XXXX, XXXX and claims that was the last payment ever made. I have all copies of my payment history to Suntrut along with a full log report of my entire ordeal for my " loan modification process ''.
Then Suntrust claim it is NOT their practice to encourage delinquency on their mortgage to qualify you for a loan modification - that in its self is such a lie, the first thing they told me was, since I was up to date on all my payments I would not qualify for loan modification program, to qualify I would need to be at least 3 or more months in rears for them to even review my application.
I paid off my entire mortgage loan after my regular home sale, along with Suntrust hefty attorney fees and numerous other fees they conjured up even though they claim I had a " trial plan ''.
I decided to sell, then to continue being webbed in a vicious circle from Suntrust modification " program '' to keep increasing my debt.
Attach is the letter from Suntrust to me after I had contacted them several times back in XXXX to have them correct my CB report.
In their letter they never apologized, but told me it was determined that an " inadvertent clerical error was made '' and requested that XXXX, XXXX & XXXX update my credit report accordingly. Unreal how Suntrust, after submitting wrongful and misleading information to someones credit report, say it was an error! yet even after sending me that letter, Suntrust never sent any information to CB to correct their so called " error ''.
All I have asked Suntrust is to remove their the damaging and false information. Now you be the judge here, as seen in the beginning of my complaint, they stated I was in " foreclosure initiated '' which was never true, you clearly see suntrust reply saying they " never practice in telling customers to become delinquent on their loans '' for the purpose of initiating a " loan modification '', the other false information they sent to CB was telling I was 120+++ days late.
First of all when you start a loan modification I was told the process would be on hold till the modification process became active and " no negative report would be sent to CB '' Lies after lies, I am fed up.
I may be just a number to Suntrust with no concerns for all the negative remarks they sent to CB over and over again. It 's time Suntrust corrects this once and for all.
|
| 04/07/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far.
|
| 06/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
After long consideration, I 've decided to file a second complaint against my former mortgage company, " Suntrust Mortgage. '' In my first complaint, I explained how, after my husband passed away, I contacted this mortgage company asking for help. At the time, I was assured they would work with me to refinance my house, so that I might be able to keep it. Because of this, I invested money into finishing the basement, repairing the roof, maintaining and adding to the yard, cleaning the carpets, etc.
I sent in the initial paperwork, with all supporting documents, and was not contacted again. This was in the summer of 2013 and in XXXX of the same year, I called to check in on the status of my request. I was told a few documents were missing, so I resubmitted them. This happened again shortly after, and then again. Every time I resubmitted the documents and every time I called, they told me they were either missing or expired. Eventually I was told my adviser was no longer available and nobody else could help. I called several numbers, trying to get a hold of someone who could discuss my case, but it never worked out. The mailbox I was told to call was always full, so I could n't leave a message, and if I called another number, the people who answered were unable to help.
My savings were, finally, exhausted and I could n't make the payments. I tried to sell my home, but a sale fell through. The foreclosure proceedings went forward. During this time, a real estate agent contacted me with clients willing to buy my house. I contacted Suntrust, who then referred me to their foreclosure lawyer. I received an email from the lawyer explaining how I am not a signer on the Note, therefore I have no legal rights to the house and can not sell it. I lost the buyers and that was when I filed the first complaint. As a result, Suntrust apologized and postponed the foreclosure for six months, but the damage was done -- the buyers were no longer interested.
The house was sold through foreclosure without a single notification. They claimed I abandoned my house, but this is untrue. I paid utilities and checked up on everything until I discovered the locks had been changed without letting me know. It felt as if they stole my house from me. After this shock, I received another through the mail -- a notification to pay taxes on the loss of my home, the one that, according to their lawyers, was never legally mine.
I deliberated on sending another complaint for a long time, but this last notification was the tipping point. Because of Suntrust Mortgage, I lost my home, savings, investments in the house, and the chance to sell it. Everything they did felt deliberate -- that they stalled and everything went in circles so that, ultimately, they could take my home away from me. With this, I hope I get at least financially reimbursed for the loss of my house, the investments, and the emotional distress. Losing a husband is difficult enough, but losing the home I shared with him was like getting punched on an already open wound.
|
| 01/11/2018 |
Yes |
- Debt collection
- Auto debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I am a co-signer on an auto loan for my son who is XXXX XXXX Military. SunTrust Bank holds the loan. It was problematic right from the start. They had incorrect information on their documents which required us to make two special trips back to the dealership which was very difficult for my son to do since the base was an hour and a half away from the dealership. My son moves around a lot and changed bank accounts a couple of times and the automatic payment for the vehicle did not go through at one point. My son made a payment which he intended for the missed payment only it did n't get posted to that. It was posted as a payment to his current bill. We did not realize this payment was still outstanding.
In XX/XX/XXXX apparently there were insufficient funds in his account to cover the payment so it bounced back. Neither he nor I had any idea this had happened. On Monday, XX/XX/XXXX at XXXX I picked up my mail and saw a notice from Suntrust Bank dated XX/XX/XXXX showing an amount owing of {$1200.00} ( an amount equal to two payments ). I planned to call SunTrust the next day ( Tuesday, XX/XX/XXXX ) to find out what this was about but before I could I received a call from my son telling me his truck was gone.
When I did speak with SunTrust they were the rudest most awful people imaginable. They claimed they sent notices regarding the delinquency but the first and only one we received was the night before the vehicle was repossessed. They claim they called us but neither my son nor I received a single phone call and ALL of our information is on the loan documents and our cell phone numbers have not changed. So they are liars as well as thieves. We were not given any time to do anything about this before they took the vehicle and if you have n't ever dealt with a vehicle repossession trust me you do not want to - It is a royal pain not to mention very expensive!!!! I have called twice to attempt to speak to a Manager at SunTrust and have left messages but no one will call me back.
I do n't care whether it is legal or not what they 've done but it is immoral. They should not be allowed to treat our XXXX XXXX Military in such a deplorable fashion! And, to have a SunTrust employee lecturing me on how I should have raised my son - that he 's the problem not them - is an insult and a judgement she was not qualified to make nor has any right to make.
They cost us hundreds of dollars in repo fees, wire transfer fees, and Police Dept release fees. It also cost my son two days off of work to get this all settled and get his vehicle back. All of this would have been completely unnecessary if they would have actually contacted us as they claim to have. Getting a single notice the day the vehicle is repossessed is useless!
When I first went to this site I looked up SunTrust Bank and found over 1,000 complaints for a wide variety of mistakes and unethical behavior. Something needs to be done about them! The way in which they operate is inefficient and negligent and the way they treat people is downright abusive!
|
| 01/31/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
The mortgage company that currently holds my mortgage, SunTrust Mortgage , Inc. XXXX XXXX XXXX XXXX XXXX VA XXXX has not paid my county real estate tax bill that I received in XXXX.
On XX/XX/XXXX I contacted via phone, SunTrust and told them I have received my tax bill from the XXXX County, Kentucky Sheriff. I spoke to XXXX in the tax department. I was told that they would receive the bill electronically and that it would be paid. On XXXX XXXX I received a Past Due notice from the sheriff 's office that the real estate taxes have not been paid. I contacted SunTrust and was told to fax them the real estate bill and that it would take 14 business days to process. On XXXX XXXX I called the county sheriff to ask if the bill had been paid. I was told no. I ask who do I contact to get the bill paid, I was told to contact the closing law office. I called the closing law office immediately and was told by them to contact the mortgage company. I was also told that I am not responsible for any fines and/or penalties for the late payment of the tax bill. On XXXX XXXX I spoke with XXXX in the Tax department at SunTrust. He said the it would take XXXX48 hours for them to research the the account and tax bill and then they would be able to pay the bill. He also said that I did not have to fax the bill because they already have received it.On XXXX XXXX I called the sheriff again and was told the bill has not been paid. I then called SunTrust on XXXX XXXX and asked the status of this tax bill payment. I was told by XXXX in the tax department that they are still researching it because no notes have been posted to my account.
The mortgage company SunTrust have been notified since XXXX XXXX of the receipt of the tax bill and that they are contractually required to pay the bill upon receipt. There was and still is money in the escrow account that was established when the mortgage was originated. Monies were put into the account at the closing, 8 months of tax payments, and 3 months of homeowners insurance. they have also received 6 months of mortgage payments with the escrow amounts included.
My complaint is the SunTrust Mortgage Company has failed to fulfill the contractual obligations established in the original mortgage contract and upon me inquiring numerous times why this bill was not paid in a timely manner was not given a direct answer and upon them receiving notification from me of the delinquency of their paying the account still have not paid it. This effects me by 1 ) having a past due tax bill which could allow for a lien to be put on my house and possible foreclosure action started and 2 ) by not paying the tax bill on time I am not able to deduct it from my XX/XX/XXXX federal and state individual tax return which will make me have a higher tax liability because the tax was not paid in XX/XX/XXXX. I have not been able to calculate the actual amount as I am still awaiting my XXXX to complete my federal and state tax returns and 3 ) I do not know if this is something that could affect my credit rating.
|
| 07/12/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
Suntrust Mortgage Inc. has been continuously harassing me while mishandling my mortgage/escrow funds. I received an Escrow Analysis of my mortgage ( which they service ) back in XX/XX/XXXX. They claimed that payment will be increased from {$2800.00} to {$3100.00} due to escrow shortages that their representatives could not explain. After numerous calls to and from their collections department claiming I owe XXXX of dollars to them, these are some of the reasons they gave ( All conversations were recorded, or at least they said they were ) :1 ) My interest rate has gone up ... WRONG, I have a 15 year fixed rate.
2 ) We have not received last month 's payment ... WRONG, I pay automatically & electronically every month and I could see that they did indeed receive payment.
3 ) They said that my property Insurance & Taxes increased ... WRONG AGAIN, I personally verified that neither one had changed.
4 ) They said because I pay on the XXXX, prior to the XXXX of the month due date, that it was being applied to principle because it was being received early ... WRONG, This is the way I have been paying since day one of this loan and no such problem ever existed.
BOTTOM LINE IS, no one there was competent enough to explain to me why I owed them thousands of dollars when I never missed a payment. I finally managed to find a rep that at least made some sense of it all. She said, " that because my payment went up by {$320.00} per month that my old payment amount was being applied directly to the principle or held in limbo in XXXX of there own bank accounts. '' She, too, could not explain why the increase in payment.
So I made 2 months of the increased payments ( {$320.00} per month ) while I researched to get some answers. I have concluded ( without any help from any Suntrust Reps ) that the reason for the increase in Escrow are their own XX/XX/XXXX PROJECTIONS of my Insurance & Tax increases, neither of which can be verified. In fact, I personally went down to the Tax Office and they told me that my XX/XX/XXXX Taxes will be exactly the same amount ... actually a few XXXX less due to Homestead Exemption which I just applied for. I have tried to explain all of this to Suntrust Reps. but they just do n't want to hear any of that. All they see is that I owe Thousands of dollars and I receive many calls per day trying to collect it.
I recently received a whole packet explaining how I am over 30 days past due and owe over {$9000.00} counting my XXXX payment ( which, of course, has been paid as usual ). They are offering me help and even to REFINANCE me! Can you believe that? I am sure the next thing I 'll be receiving is an intent to seize my proper notice.
PLEASE HELP, I have researched this company and realize that they have more complaints against them than they could possibly handle. PLEASE HELPCFPB, Federal Partners, and State Attorneys General File Order Requiring SunTrust to Provide {$540.00} XXXX in Relief to Homeowners for Servicing Wrongs.
PLEASE STOP THEM AND WHAT ABOUT MY CREDIT REPORT???
|
| 11/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I been a client of Suntrust for more that 11 years. I deposited all my trust on Suntrust for many years. On XX/XX/2019 there was a fraudulent transaction through XXXX for {$2400.00} Which I never gave permission. I immediately contact my bank to dispute this transaction after almost 2 months my bank denied my dispute because they are saying, I previously have done business with this company ( XXXX ) and I have to get in contact with XXXX .I have tried to contact XXXX but they are not responding ( I am also making another complain against XXXX in a different dispute ). Suntrust as my bank is not helping me on getting this situation resolved. This is obviously a fraud. I never gave any authorization. After calling so many times, now Suntrust is saying that I first told them it was a scam and not a fraud. Sorry for not knowing the right words when I was obviously going crazy calling my bank because someone took all my money from my account. That is the reason I am contacting you. I have been trying so hard working with my bank but they do not want to help me. This is not the first time a been a victim of fraud. 2 year ago someone did a fake check, which I do not have any checks from that account and this individual went to the bank an took {$8000.00} form my money market account. I don't think this bank is protecting their customers and I'm trying to prevent other people go through this situation like me. Suntrust does not want to give me my money back. I have been working so hard for so many year to have a little bit of savings and in few seconds my money was gone. I been trying to get in contact with XXXX because after Suntrust denied my first dispute on XXXX XXXX they told me they will sending me a rebuttal letter after to see If I have proof that this was a fraudulent transaction. After a couple of weeks trying to contact XXXX I finally got XXXX to admit on XXXX XXXX that they have determined my account had been compromised and to contact my bank and dispute the unauthorized activity. I also submitted a police report. After I gather more evidence I immediately sent all the addition information to Suntrust like they told me. But on XXXX XXXX I received a letter from Suntrust denying my additional details. I had all evidence that this was a fraudulent activity and I'm not sure what more proof they want me to provide them. Unfortunately now Suntrust does not want to give me my money back and they keep telling to get in contact with XXXX. I already explained to them that after XXXX admitted that someone compromised my account, they are not responding to my emails to get a resolution. As a bank they did not took any action to prevent this fraud, not even an alert. Please investigate this issue. Thank you for your time. I'm providing all documents that I received and provided to Suntrsut.I am working with Call for XXXX XXXX. They are the one that are helping with this situation as well. I am willing to go to the media if I do not get a resolution. Thank you again for your time
|
| 08/05/2015 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Dear CFPB : This matter is INCREDIBLY time sensitive. SunTrust Mortgage is preventing my wife and I from attaining a home loan. They have misreported our credit in XXXX major ways, which is creating a hard-stop from us putting an offer on the home of our dreams. They have been largely unresponsive, have lost documents, refused to cooperate, been outride rude, indolent, slow-moving, and incredibly difficult to reason with.
Overview of Situation : We obtained a loan from SunTrust Mortgage in XXXX of XXXX. SunTrust thinks we were foreclosed on, when in actuality we completed a successful short sale with them on XXXX XXXX, XXXX. They erroneously reported this transaction to the credit bureaus as a foreclosure and will not remove it. In addition, they reported to the credit bureaus that we have a 90 day late on a mortgage as of XXXX XXXX. This is absurd. We did n't even have a mortgage with them in XXXX. Everything was complete via a short sale in XXXX. We have been renters since XXXX.
We have provided SunTrust with the information that clearly shows they were in error so that we could obtain a pre-approval letter from our lender and purchase a home to raise our son in. All that we asked for from SunTrust was : 1 ) a letter stating that they did not foreclose on us ; it was a short sale completed with settled deb and that we were never late in XXXX, as we had already sold the home and were renting 2 ) Contact the credit bureaus and re-report this information.
The below documentation was provided to SunTrust 's loss mitigation department and Mortgage Escalation Group : The HUD-1The short sale settlement and acceptance letter sent to us by SunTrust Mortgage in XXXXThe Grant Died that shows when then transaction was completed and the final dispersement from title that shows the money paid in full to all parties.
The Closing Statement from escrow that outlines the entire transaction.
Our credit report that shows the 90 day late that SunTrust reported to the credit bureaus in XXXX of XXXX, when we did not even own a home.
After countless hours invested in trying to reason with SunTrust 's loss mitigation department and providing them all of the documentation they need to prove that we executed a short sale with them in XXXX, we received a letter in the mail on XXXX XXXX stating that SunTrust had completed its investigation and they are correct ; we are wrong. The matter was even turn over to SunTrust 's " Escalation Group '' to no avail. XXXX in the escalation group conceded that they only had XXXX staff members and were behind. I begged him to look at our case because of the timing issue of putting an offer in on the house. My begging accomplished nothing.
The lack of information and sensitivity to a very time sensitive home purchase, as a result of SunTrust 's egregious servicing practices, has directly and solely impeded our ability to buy a house. They are like talking to a wall. They have hung us out to dry and we have zero recourse.
Sincerely and Regretfully, XXXX
|
| 01/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
On XX/XX/2018 - I went to a local Suntrust branch to inquire about a XX/XX/2018 request from Suntrust Consumer Home Loan Specialist, XXXX XXXX XXXX Ext XXXX. The request stated that Suntrust was requesting a seperate signed page 2 of a Uniform Borrower Assistance Form packet. ( For Background : My husband and I were in the middle of a divorce, and he alone requested the mortgage modifications. I was opposed to them. ) I had been in contact with Suntrust multiple times over an approximate 9month period, continually notifying them that I was not in agreement with the modifications that my husband, who is a previous Suntrust EVP, was requesting. Since the UBAF did not have a place for a signature on Page 2, and since the UBAF packet is a 5 Page composite whole document, that requires legal affirmations for the entire document to be sworn to, on page 5 of the document, I became suspicious about the odd request, especially with my husband having many friends and colleagues still employed there. The local branch representative filled out a complaint form for me concerning both my mortgage and HELOC loans. At XXXX on XX/XX/XXXX, I received a call from XXXX XXXX, Suntrust Manager with the Home Mortgage Retention group. I explained to her that I had been speaking with and e-mailing XXXX XXXX over the past several months, notifying her that my home had not been damaged by Hurricane Irma, that my husband used the Hurricane as a way to intentionally default on the mortgage as a means to securing more favorable loan terms without it impacting his XXXX since he is a XXXX XXXX ( XXXX XXXX XXXX ), and I was opposed to modifying the Mortgage which would add over 21k in a balloon payment to the end of the loan. I submitted a previous complaint ( XXXX ) concerning this issue, however that complaint was directed towards the HELOC loan associated with the mortgage. This complaint is regarding the Mortgage which Suntrust modified in spite of the fraudulently modified signature page and in addition to my ongoing objections. My husband 's document tampering can be clearly seen on the Suntrust Corrections agreement as well as the notarized signature page that I have attached. I have also attached proof showing that I had faxed Suntrust the original pages, long before they received and processed the fraudulently tampered documents. In spite of the fact that Suntrust had the original documents along with my objections, they continued processing the modification with the tampered documents which were very obviously altered, and even initialed by my now ex-husband. Suntrust also failed to report the illegal mortgage document tampering to authorities, leaving him to continue working in the financial industry without consequence, which places hundreds of unsuspecting clients at risk. It is disturbing that Suntrust not only refused to reverse this modification, they also have made every effort to protect their former EVP from being held responsible for knowingly engaging in financial fraud.
|
| 12/28/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
My home was seriously damaged by remnants of Hurricane Harvey on XX/XX/XXXX. SunTrust Mortgage will not release the remaining funds to me, even though all repairs have been paid in full.
My SunTrust Mortgage number is XXXX. The Tracking claim number assigned by SunTrust is XXXX.
I have had 15 phone calls with the SunTrust claims department in order to secure the release of my funds. The dates and names are available on request.
SunTrust has been holding my final insurance check of {$5200.00} since XX/XX/XXXX. The final repairs were completed on XX/XX/XXXX and paid in full.
SunTrust claims that they can not release the funds without an inspection. Although no such inspection was required to have funds released with the first {$18000.00} of repairs, they insist it is a requirement as a government sponsored enterprise.
I have asked repeatedly to speak to someone who could tell me what government agency, law or regulation imposed the requirement. No one could give me that information, and I was actually told that speaking to someone higher up would not help, I would get the same answer. ( XXXX on XX/XX/XXXX ).
Nonetheless, I went ahead to follow their procedures.
I submitted a request for an inspection on XX/XX/XXXX.
I checked on the status of the inspection on XX/XX/XXXX ( XXXX XXXX ), and again on XX/XX/XXXX ( XXXX ). Both assured me that the inspection would be scheduled within their time frame, 2 days to process, 3 to schedule, 2 days to get results back.
I checked the website on XX/XX/XXXX since the inspection had not occurred. It said the inspection was cancelled on XX/XX/XXXX.
I called on XX/XX/XXXX ( XXXX ) and was told that the notes claimed that voice mails had been left with me on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. So, the vendor cancelled the inspection.
This is simply not true. I had no voice mails, and in fact I was calling in during the same time to see where we were. I believe the vendor missed the timeline and falsified the report.
XXXX on XX/XX/XXXX referred the mater to Inspection Team Management, and I asked to be called back. I was not.
I called back on XX/XX/XXXX and spoke with XXXX. He verified that a rush inspection request was requested, and assured me he would follow up with the case the next day.
I called back on XX/XX/XXXX only to find the inspection was again cancelled on XX/XX/XXXX because an updated inspection report was required.
I was referred to a Resolution Specialist ( XXXX ) who looked at the file and confirmed that an updated inspection was required. He assured me that he would see to it that the inspection was conducted right away.
I asked to be called back today, and I was not. Of course, XXXX did tell me that he was off on Friday, and they were closed Monday, but he would call me Tuesday.
So SunTrust Mortgage will not release the funds owed me, funds they have held since XX/XX/XXXX. My mortgage is due on XX/XX/XXXX.
I urgently need the insurance funds they are withholding from me.
|
| 05/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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In XXXX 2014, I saw a poster advertised on the window front of my local Suntrust Bank. It promised a bonus of {$150.00} for opening a new account, as it read " It 's never been so easy to earn {$150.00} '' and on the bottom it read " For a limited time, we want to offer you a {$150.00} gift card just for signing up ''. Inside the bank, I was explained that I 'd have to have a special account that could accept credit card payments. I told the rep, that I do n't really need to process credit cards, but was persuaded anyways to open an account. I was assured of getting my bonus after just XXXX credit card transaction. I received a swiping device for credit cards for my smart phone soon after. I processed XXXX card for {$1000.00} and when I got the statement, I was shocked to see a charge of over {$80.00} as a processing fee. I was sure it was a mistake, and called the bank so they could correct it. They denied that it was a high fee, stating that it was a competitive fee for processing credit cards. That rate sounded very high to me, so I asked them to close my account. I was told : " Sir, if you close your account now, you 'll be charged an early termination fee of {$500.00}. If you want to avoid this penalty fee, you 'd need to wait for 1 year for the contract to end, before you can close your account. However, we 'll continue charging you our " standard '' monthly fees for that time ( 1 year ), and then we 'll refund you retroactively for that year. '' I was surprised to hear all this, since nobody ever explained any of this when I was signing up. On the day I signed up, I was in the bank for about XXXX7 minutes and was told to sign and initial in a few places, and the rep did n't give me any time to look over the documents saying, " It 's just the standard stuff all banks ask you to sign ''. In any case, I did n't put up a fight, deciding just to wait out the year to avoid the {$500.00} fee. I waited patiently for 1 year, not paying too much attention to the exhurbant fees I was being charged, knowing I 'd be getting them refunded soon. However, when the year was up, I called the bank to close my account, and to my surprise I was told " Sir, your contract is for 3 years, and if you close now, you 'll be subjected to the {$500.00} early termination fee. '' I could n't believe my ears. I tried to explain that I was told it would only be 1 year, but the other party did n't want to hear of it. I was also told at that time, that no fees would be refunded to me. After calling and emailing different parties at Suntrust with no success, I had to close the account " early ''. I ended being charged {$500.00} as an early termination fee. It 's been 2 years since I regretfully opened up an account with SunTrust Bank. They charged me close to {$1000.00} in fees and still send me letters claiming that I owe them more money. They recently threatened to report me to a collection agency which will affect my credit score, if I do n't pay up. Please help.
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| 01/15/2017 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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This is my third attempt to submit this information. I get to the end and can not get past the " add attachment '' option!
When setting up payees with my Suntrust bill pay I enter the company name and account number. If there is a match Suntrust automatically sets up the account. I have questioned the mailing address of some of these accounts and asked for a list of the mailing addresses by payee to which they have told me ; 1 ) Go to the payee account and look. ( I have obviouslly done this and the addresses are not listed. ) 2 ) They said they will not supply these addresses.
They are sending " MY '' money somewhere and will not tell me where. They will tell me to whom, which I already know, but not where. I feel I have a right to this information and is the reason I 'm complaining about their business practices here. They have a very bad attitude and view their smaller customers as a necessary evil. Please help.
I am listing the text of my email correspondence below since I can not attach.
Here 's my initial request for information : XXXX -- Original Message -- Date : XX/XX/2017 XX/XX/XXXX To : XXXXXXXXXXXX Subject : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } There are a number, actually the vast majority, of my on-line payees where I can not see the address where the payment is being sent. I need to verify these address for myself and need to see them. I do n't care who maintains these addresses, etc., I need to see them since you are sending my money to these address I have a right to know what they are from you and not the payees. Please let me know how I can get a list of these address from Suntrust Bank. I need these immediately.
Here is their response : XXXX Topic : Bill Payments Subject : Re : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } [ # XXXX ] From : Customer Support XX/XX/2017 Hi XXXX, Thank you for your email.
I will be happy to assist you. I understand your issue. When you schedule a bill payment we will send the bill to the mailing address that you have provided when you added a biller.
I request you to please review biller profile to confirm the mailing address of biller. I request you to please follow below steps to see mailing address of a biller.
Select Move Money from the Landing Page then select Pay Bills.
Select the applicable biller account and click anywhere in the biller row.
Select Details.
After you select details you will be able to view mailing address of a biller. However, please keep in mind that you will not be able to see the full payee account number ; for security the payee account number only displays the last XXXX digits. However, you can edit or view the account number by clicking on Change or Show.
I am sorry to inform you I will not be able to provide you list of all your biller along with mailing address.
It was a pleasure assisting you. Have a nice day!
Regards, XXXX XXXX XXXX SunTrust Bank- Digital Client Services
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| 09/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Formal Notice of Error - Please accept this Notice of Error on behalf of XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX ) with respect to special proceeding 17 SP 401. SunTrust Mortgage Inc. is hereby noticed of its error in providing the respondents the incorrect Note. SunTrust Mortgage provided Note dated XX/XX/XXXX that was not signed by XXXX XXXX XXXX spouse of XXXX XXXX XXXX as of that date. The respondents collectively requested SunTrust Mortgage research that certain note signed by both XXXX XXXX XXXX and XXXX XXXX XXXX as the Substitute Trustee oh behalf of SunTrust Mortgage is pursing the parties on a note that XXXX XXXX XXXX did not execute. Therefor the Substitute Trustee on behalf of SunTrust Mortgage has wrongfully named XXXX XXXX as a party to the Foreclosure Action under the Note when in fact the Substitute Trustee and SunTrust Mortgage have continually failed to produce any note signed collectively by both XXXX XXXX XXXX and XXXX XXXX XXXX despite many well documented request. The respondents continue to maintain and hold this is a viable defense and creates and constitutes an affirmative defense to the enforcement of the Note presented in Error by XXXX XXXX XXXX as counsel for SunTrust Mortgage Inc., Substitute Trustee on behalf of SunTrust Mortgage for the enforcement of property held by the respondents. Further the respondents together allege unfair and deceptive trade practices on behalf of SunTrust Mortgage Inc., SunTrust Banks Inc., SunTrust XXXX XXXX ( XXXX XXXX ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and their vendors not limited to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX XXXX. The respondents notice SunTrust XXXX XXXX of an error, overissuing beneficial interest in the respondents real property. Respondents continue to allege wrongful acts and conduct associated relating to 16 SP 187 and 17 SP 401 with respect to the forged Substation of Trustee recorded XX/XX/XXXX in favor of XXXX XXXX wherein wrongfully utilizing a subsequent instrument to wrongfully obligate over $ 3M of debt. SunTrust Banks Inc. its subsidiaries and in part its vendors have materially violated the Fair Credit Reporting Act, the Fair Debt Collection Act, the Fair Debt Collections Practices Act, the Truth in Lending Act and the Real Estate Settlement Procedures Act. Finally, the respondents allege SunTrust materially violated 229.1122 with respect to three modifications of loans during the fourth quarter of XXXX. When in fact, SunTrust proceeded without the property authority under the Applicable Servicing Agreement. The material defect extended beyond 90 day and was material in nature. Further, we alleged the stated interest rates incurred to the respondents differed from the actual coupon rates in the underlying notes. Please fully investigate the above Notice of Errors and advise us collectively of your corrective actions. Sincerely - XXXX XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX XXXX )
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| 06/15/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Servicemember |
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I opened a new account with Sun Trust bank on XX/XX/19. I deposited {$1000.00} in cash and a check from XXXX XXXX for {$3500.00} for a total deposit of {$4500.00}. I asked if the check would be " held '' since it was a new account and was told there was no way to know but to check my online account on XX/XX/19. When I attempted to open my online account, I got a message that said the system was " temporarily not available and try again later ''. After attempting that for several hours, I called Sun Trust and was informed that the account was under review to be closed and they had the right to close the account for any reason or no reason and that was part of a disclosure I would have signed to open the account. I was also informed that it would be 7 to 10 business days before I could get this resolved. I went to the local branch that same morning and spoke to the customer service associate who had assisted me on XX/XX/19. He informed me that the check had been flagged as possibly fraudulent by some entity that all banks belong to. He said the account had been placed in a " no deposit/no withdrawal '' status and there was nothing he could do. OnXX/XX/19, I called the customer assistance line and spoke to a supervisor who essentially said there was nothing she could do but she would refer it to the appropriate department. I called XXXX XXXX on XX/XX/19 and asked them if they know of any reason there would be a problem with the check. They said no but they would get back to me. On XX/XX/19, I got a voice mail message from Sun Trust providing me with the name of an individual who was going to work on my case and gave me the phone number to call to speak with her. I called daily and left messages but no response. Also, on XX/XX/19, XXXX XXXX called and informed me the check had cleared their bank and been paid. So at this point, Sun Trust has {$4500.00} of my money but refuses to even discuss the situation with me other than to say they are following their rules and procedures. On XX/XX/19, I received a letter via US mail that stated the check was being held because the bank had " confidential information '' that the check may or may not be paid. On XX/XX/19, I had another conversation with a Sun Trust supervisor who told me the check had not cleared, that the account was under review to be closed and it could be 25 days before it is resolved. On XX/XX/19, I went back to the local branch and spoke to the branch manager. I provided him with a copy of the check showing that it had cleared and other documentation. He stated he would attempt to get this resolved but couldn't guarantee it.
Bottom line, I deposit {$4500.00} in good faith and Sun Trust is holding the funds even though {$1000.00} was deposited in cash and the check cleared on XX/XX/19. They are currently stating the account is " under review '' to be closed and once that is decided they will start the process to potential return my funds but it could take 25 days.
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| 08/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Report provided to employer without your written authorization
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Web |
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I am an employee for XXXX XXXX XXXX XXXX and I have been out on medical leave from XX/XX/XXXX to the present. On XX/XX/XXXX, a direct deposit was made in error and that money was not mine because I did not work and were not entitled to any funds directly from XXXX XXXX XXXXXXXX in XXXX. On XX/XX/XXXX, I was made aware of a transaction from my company XXXX XXXX XXXX XXXX in from the Administrative Judge in my XXXX case. My employer deposited a check in the amount of {$910.00} into my closed account at Suntrust. Suntrust bank never got in contact with me about the deposited funds. Nevertheless, the reporting of the funds to social security has caused me to lose out on my XXXX because it appeared that I worked. On XX/XX/XXXX, I contacted my employer and asked them to correct the issue with the 3rd quarter reporting of wages, and to also correct my XXXX form, which they refused to do. According to my employer, I had received the funds and it was my problem. I then contacted Suntrust bank and talked with Mrs. XXXX ( the Vice President ) at the XXXX XXXX location in XXXX XXXX, NC. She typed up a letter for me stating that my account was closed on XXXX the XXXX and that any attempt to deposit money into my account would have been sent back. As it turned out, Mrs. XXXX reported to my employer that I owed the bank money and they utilized the funds to pay off my debt to Suntrust, but I never received a statement to that effect. In addition, Suntrust did not send me the remaining balance from the funds. I contacted Mr. XXXX XXXX ( Supervisor at Suntrust with the Account Recovery and Retention Department ) and explained how the money that was deposited into my account was not mine and needed to be returned to my employer. Mr. XXXX instructed me to have my employer 's ACH to contact Suntrust 's ACH and to have the funds pulled back. I told my company what he said to do ; however, XXXX XXXX ( HR ) took it upon herself to contact Mrs. XXXX On Friday, XX/XX/XXXX. Mrs. XXXX asked Mrs. XXXX to provide her with my information before she could discuss my account, which she did without my consent/ permission. On the same date, Mrs. XXXX proceeded to share the details of my bank account with Mrs. XXXX and again, this was done without my consent. There were at least four exchanges of communication with these individuals, with three of them being written exchanges of information in e-mails, which I have in my possession. I contacted my employer and discussed the misrepresentation of Mrs. XXXX with XXXX XXXX ( CFO of XXXX XXXX XXXX XXXX ) on XX/XX/XXXX ( because this should not happen to employees ). He refused to investigate the situation although he forwarded e-mails to me. When it comes to me recovering the funds, Suntrust sent me a check on XX/XX/XXXX, for only {$660.00} out of the total deposit of {$910.00}. This amount in no way covers the full deposit, which I am returning to the company, but I need the full amount.
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| 06/04/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I responded to a promotional offer from Suntrust Bank, which promised a {$200.00} bonus for opening a select checking account and making a {$2000.00} direct deposit within 60 days. I met the requirements but did not receive the bonus. When I asked online customer service, they said I do not qualify for the promotion because I had closed my previous account at Suntrust within 180 days. This is completely different from what I was told on the phone in XX/XX/XXXX, just before I opened the current account. Back then the phone customer service told me that my previous account was closed over 6 months ago, and I would qualify for the promotion as long as I make the qualifying direct deposits within 60 days.
I sent a detailed email to a member of the Suntrust Executive team ( copy attached ), asking them to stand by the information I was given on the phone. In response they claimed " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion. '' I reiterated my position that the proof is in the phone conversation in XX/XX/XXXX, and requested them to review that call and award the bonus if my claim is correct, or provide me a copy/transcript of the call showing that my claim is incorrect. This should be a simple task, considering that Suntrust claims all phone calls are recorded for quality assurance ( and as I provided all my identification info for the agent to locate my prior account, it should not be that hard to locate the call. ) All correspondence attached, and pleas note each pdf file has several pages.
Suntrust responded with an identical form letter ( even with the same date ), claiming that " Our investigation was unable to find documentation showing that you were informed you would qualify for the promotion ''. This indicates they either made no effort to locate the phone call, or they had located the call earlier and found that it corroborates my claim.
Please note that this is not the first time Suntrust agents have provided blatantly false information during the short time I had this account. My original email to the executive office describes another incident where Suntrsut lost my {$1000.00} deposit and gave me the runaround for over 10 days.
It is deceptive that I was told one thing before I opened this account, and the opposite after I invested several thousands of dollars with Suntrust based on that information. Also unfair that the executive office brushed off my request with the claim " we were unable to find documentation ... '', a statement most likely false considering they claim to record all phone calls.
All I ask is to receive the {$200.00} bonus I was promised in return for depositing my money with Suntrust. I am also attaching a sampling of reviews/complaints from other customers who were cheated out of the similar bonuses by Suntrust, demonstrating that Suntrust makes a habit of this deceptive practice.
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| 08/15/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
Older American |
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Single owner of my property and my house XXXX XXXX. Suntrust Mortgage Unfair reporting created debt unauthorized lending practices anti trust issues of personal information was used as a Mortgage Scam Electronic registration system, Mortgage Fraud, securities fraud ... The Washington Supreme Court ruled that MERS is not considered a beneficiary under state law. Fla can a business operate without a identification number ( EIN ) or tax number? LLC owners must still pay federal taxes. LLC owners may need an EIN, or Employer Identification Number ... Without one, your business can not operate legally.
inaccuracy, fraud and scamI never signed these contracts, they were Fraudulent identify theft and mortage theft. May Be Submitted In My Name Or My Identity Fraudulent mortgage documents MERS Assignment of : Mortgage accts. accuracy, fraud and scam of Electronic Registration Have Been Used without My Consent To Fraudulently Obtain Goods Or Services Mortgage. XXXX county records, tax fees and documents are missing banks cant own real estate with tax fees or records found at the XXXX XXXX county clerk office. county land records show I have never authorized these loans. I have been extorted by and scamed someone is using my identity to pay debts that i do not owe. while others had forged signatures or documents put together by someone with very poor Photoshop skills.the electronic mortgage registry with the same name. There must of been an error in their SYSTEMS. I am the property Owner and deed owner. MERS was used Fraudulent mortgage documents. to creat this acct. force me to pay a debt that i don not own. i own my home and have the deed, both to the land and the property. This is not my account. i am owed money from this account. Suntrust Mortgage reported to XXXX, XXXX and XXXX Real Estate Debt {$100000.00} I. MERS Mortgage Fraud MERS ASSIGNMENT nstallment Loans Collections Debt Total Debt {$110000.00}. Something as part of a whole.Sun Trust Mortgage organization as a ilegal corporation created a mortgage using my old name and address signitures copied and pasted on documents which was sold from one bank to another, then an assignmenta document showing that the mortgage has been transferred.
Fraudulent mortgage documents. Sun Trust Mortgage I have paid money for i debt i dont not owe.although i have {$700.00} Paid 516 Months.
copies or photos of documents I have never authorized this forge signiture.SUNTRUST MORTGAGE,. i paid to avaid damage to my credit and home but i dont no owe this debt. Nor did i authorized these accounts. loan no. Conventional Real Estate Loan, Including Purchase Money company with Tax no. and without EIN number to operate in the state of florida. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Utah XXXX XXXX billing for a mortgage i do not owe. XXXX. i am owed a refund for the money i have invested into these accounts. I will need to send documents by mail.
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| 04/13/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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A bank teller, XXXX XXXX, at the SunTrust Bank located inside the XXXX XXXX XXXX in XXXX, GA, applied for a credit card in my name WITHOUT MY KNOWLEDGE AND MY CONSENT. I went into the bank to cash a check when XXXX XXXX asked if I wanted to apply for a credit card. I immediately told her " NO, I DO NOT NEED ANYTHING ELSE ON MY CREDIT! '' I was unaware that she had applied for a card until the bank said the request for a credit card was denied.
XXXX XXXX knows she applied for that card without my knowledge and or consent. I am POSITIVE she planned to obtain that card and use it herself - better known as IDENTITY THEFT. SunTrust has taken NO ACTION AGAINST that woman even though they have knowledge that it was applied for using her id to enter the system and or placing my name ( in her handwriting ) on the form. I do not understand why SunTrust has taken no action AGAINST XXXX XXXX. Further, XXXX XXXX called my home on XXXX XXXX, XX/XX/XXXX at XXXX. asking me to tell SunTrust that I DID APPLY FOR THAT CARD AND WITH MY HUSBAND 'S NAME ( XXXX ) ON IT. My husband left his world on XXXX XXXX, XX/XX/XXXX ; his name was NOT XXXX. I told her she should lose her job for stealing my social security number to apply for a credit card that I did not request. I wrote SunTrust and told them about the call which they can verify by checking her telephone records. However, SUNTRUST has failed to do anything to XXXX XXXX - yes she is still employed at the SunTrust in the same XXXX store. This " application '' for the credit card will appear on my credit which is a strike against my credit. I do not understand why SunTrust has not removed XXXX XXXX and issued ANY TYPE OF APOLOGY or compensation for the aggravation to me!
I guarantee you that XXXX XXXX has used other individual 's social security ( especially senior citizens ) and received credit cards which she, XXXX XXXX, is using - she is guilty of identity theft on my behalf and I am positive on several other senior citizens who may not track their personal information. XXXX XXXX must be fired and forbidden to be employed in any field that contains personal information on individuals, especially senior citizens!
I want her removed from that position. I want any reference to a credit card application removed from my credit report ; I want to be financially compensated for the frustrations and aggravations caused by XXXX XXXX 's illegal use of my personal information AND attempting to get me to lie for her. She is not telling the truth when she says she did nothing wrong. SunTrust is harboring a thief. SunTrust must review all applications XXXX XXXX used to apply for cards including the info on what she used to apply for a card in my name. They will confirm that she placed that request for the credit card. Further, the bank could probably XXXX that XXXX XXXX has a husband or someone with the name of XXXX to whom she is providing my information.
|
| 03/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2019 I was made aware that my account was overdrawn due to an item that came through for {$100.00}. The only problem is, there was a positive balance still left in the account when the overdraft took place. I called SunTrust Bank on XX/XX/2019 to get a better understanding as to why the overdraft fee was assessed to the account being that there was still a positive balance in the account when the overdraft was assessed to the account.. The operator, whom I could barely understand, stated that the account was overdrafted even when it had a positive balance to the best of my understanding is what she said and she couldn't explain to me why. Because it doesn't make sense to me that you can overdraft when you have a positive balance in your account. So according to this operator It's pretty much like the banks at their discretion can go back and find any low point during your transactions history and use that point at which to charge an overdraft to your account and hoping that it sticks..
So in other words, banks are so desperate now to steal money out of consumers accounts that they overdraft you even though you have a positive balance in the account no matter how little the positive balance is, its still a positive balance none the less.. I've taken screenshots of the withdrawals as they happened. And it clearly shows that on XX/XX/XXXX of 2019 after the {$100.00} was taken out of the account there was still a positive balance of {$5.00} in the account. So again I ask, why was the overdraft fee assessed? There's absolutely no explanation for that other than just the bank wanted to overdraft the account. I guess it was just my turn to be ripped off with that frivolous fee labeled as an overdraft fee.
I personally am so sick and tired of banks manipulating consumer bank accounts so that they can work it in their favor to charge overdraft fees and other frivolous fees to consumers accounts to make money. It is so sad and so pathetic the state of our nation where every financial institution is looking for ways of increasing profit at the expense of consumers. I remember reading stories about old men many years ago warning people about Banks. And I see now that it is an absolute fact that a consumer has no chance of making it financially when they depend on the banks because the banks job is not too make sure your bills are paid on time, A bank 's job is to make sure they increase their profits every year. It's called shareholder fiduciary ...
I'm at the point now that I will no longer put my paycheck or more money in a bank account than I need in there to cover a bill. I will only put in the bank the monthly service fee and what I need to pay a particular bill. It will save me tons of money and stress long term over dealing with banks that are only looking to take the little I have and even worse, they'll even manipulate a person 's account to make it look legitimate.
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
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I opened a new business account with a local Suntrust branch back on XX/XX/2017. I already have a personal checking account with Suntrust for several years now. When I initially opened the account I made a {$100.00} deposit and was instructed on what the fees were for monthly charges, bank wires etc. I only had 2 transactions through this account period I made 2 wires through the bank to acquire a investment property for the business. I was told the wires would cost {$35.00} each. No other fees would be required as I was told there was a current promotion for new accounts where monthly fees were waived for the first year. I thought that's great! So I was initially happy and satisfied with the new account and service. Now fast forward one month and I get a overdraft notice from my bank. I am overdrawn by {$160.00}. I logged into my account to see that I was charged an account Analysis fee of {$180.00}. I immediately called the bank rep who opened my account and could not initially get in touch with her. I finally got a call back a week later and was told to come into a branch to discuss. I came in and was told I needed to speak with a branch manager but she was not there that day. I got a call a few days later from the branch manager who made an appointment for me to come in and talk in a couple of days. I took off work early to go into the branch and spoke with her and took about 45 mins with her on the phone with customer service to try and get the fees reduced. She advised me that I was signed up for a service that requires higher fees. I explained to her that I did not need any service and that I only signed up for a simple checking account. I told her I had to leave to get my grandson from school and she assured me she would get it all straightened out and call me shortly. Well I never received a call from her. So I went back into a branch the next morning after taking off more time from work and spoke with a bank rep who told me the manager was not in and I would have to make another appointment with her. I am getting frustrated at this point and told the rep to please leave a message for the manager to please call me asap. I was assured that the message would get sent. I also called her cell phone and left a message with her as well. Well fast forward 2 weeks have passed and I am getting nothing but run around and no calls returned, My bank is still overdrawn with fees that I did not authorize. I told one rep I wanted to close the account but am told I can not do that until I pay the overdraft fees and bring the account to a XX/XX/XXXX balance. I have only had this account opened for 3 months and only did 2 transactions through it and I'm being charged outrageous fees and. I feel like they are extorting fees from me as I can not even close the account to prevent more fees from accruing. I want the fees refunded and my account closed asap I will take my business elsewhere.
|
| 06/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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CFPB Complaint XX/XX/XXXX Subject : SunTrust Bank wrongful holding of Mortgagee insurance proceeds.
Facts : 1. XXXX XXXX approved a Hurricane Irma damage claim in the amount of {$80000.00} +/- for a replacement of the total roof and issued an initial insurance check in the amount of {$52000.00} made payable to home owner and SunTrust. SunTrust has a copy of XXXX documents.
2. Check was signed by homeowner and delivered to SunTrust on XX/XX/XXXX 3. SunTrust advised Mortgagee to comply with SunTrust Claim-check procedure which mortgagee did in full on XX/XX/XXXX.
4. SunTrust advised that eventually Mortgagee would receive {$40000.00} of the {$52000.00} sometime and the balance in two equal installments. One when 50 % of work is complete and one when SunTrust determines the work to be complete. This is in addition to a {$12000.00} holdback held by the insurance company which petitioner accepts and believes is fair and reasonable.
5. There is no need for SunTrust to hold any of the money or require Mortgagee to waste time and money completing the unnecessary Claim-check process. There is no risk to the bank as the balance of the mortgage is less than 35 % of the value of the house. This was documented in the attached XX/XX/XXXX letter to SunTrust CEO XXXX XXXX ( Exhibit A ). This letter received by SunTrust via email on XX/XX/XXXX ( Exhibit B ) and a few days later by XXXX. No response from SunTrust CEO. The letter detailed the wrongful nature of the money grab and demanded immediate release of the full amount of the insurance proceeds.
6. A second letter ( Exhibit C ) was dated, sent and received by SunTrust on XX/XX/XXXX pointing out the harm to Mortgagee in having to use retirement assets to pay the {$25000.00} initial payment to the roofing contractor in connection with the roof contract executed on XX/XX/XXXX.This letter also pointed out that this wrongful holding of Mortgagee money may very well violate the SunTrust Code of Business Conduct and Ethics which may be of interest to other oversight agencies of the US Government .
7. Mortgagee is advised that SunTrust will not pay interest on Mortgagee money it is wrongfully holding.
8. A third letter ( Exhibit D ) critical of SunTrust CEO Non response and bank partial response was sent to SunTrust on XX/XX/XXXX. This letter again demanded immediate full payment with interest.
9. There is no rational or logical reason for SunTrust to wrongfully hold money due Mortgagee. There is absolutely no mortgagee risk to SunTrust. While there is language in the mortgage that seems to give SunTrust the power to hold Mortgagees money that is obviously a Contract of Adhesion and not enforceable in law.
10. In addition to processing this complaint I would like CFPB to investigate if this is a scam to force people without additional capital into high interest rate loans while holding their insurance and not paying interest..
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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My complaint # XXXX was erroneously closed by the CFPB just because suntrust responded. This is not the first time the CFPB has closed my complaint even though suntrust REFUSES to address it. Completely unacceptable for a business that supposed to " protecting consumers ''! I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last 3 years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF DOLLARS OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
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| 05/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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On XX/XX/XXXX I received a Short Year Escrow Account Disclosure statement from XXXX because the servicing of my account was being transferred to SunTrust mortgage ( I had an escrow balance of XXXX ). SunTrust ( ST ) sent my first invoice on XX/XX/XXXX. I will note that my mortgage with green tree was $ XXXX, once moved over XXXX XXXX that amount was reduced to {$1300.00}, and according to ST my escrow balance was {$2300.00} - I paid the XXXX on XXXX. Then on XXXX/XXXX/14 I received another invoice from ST in the amount of {$1600.00} - I paid that in XXXX installments of {$830.00} on XXXX and XXXX. Then on XXXX I received another letter XXXX XXXX indicating that they have reviewed my escrow acct and determined that I was owed {$660.00}. I XXXX XXXX to dispute this because my account was with them for only 1 month and did not understand how they could have already assessed my account to determine an overage. I called on the date of receipt XX/XX/XXXX and spoke to a cust. svc person. She told me there was nothing to be done, that I must deposit the check. I told her that my property taxes have increased and offered to fax a copy of which I did. No response from ST. I then continue to pay XXXXXXXXXXXX ( XXXX installments of {$840.00} XX/XX/XXXX & XX/XX/XXXX ), and then was billed for {$1400.00} of which I paid XXXX installments of {$840.00} on XX/XX/XXXX & XX/XX/XXXX. I then got a letter from ST indicating that I was in arrears and owed. I was told that they do not take biweekly payments, but then was offered a biweekly payment setup. I signed up that on XX/XX/XXXX and was sent a letter indicating that the deduction would take place on XX/XX/XXXX. The following month I was sent another letter indicating that I was in arrears, and was then informed that I needed to pay 1 month ahead. Their documentation states that the customer will pay a 13 month payment in the bi weekly program. It seemed reasonable because instead of XXXX payments of {$720.00} it would be XXXX. Based upon my calculations I will have paid 15 months from time I was acquired XX/XX/XXXX to XX/XX/XXXX. will be XXXX Then I received an email from ST on XX/XX/XXXX indicating that my escrow was short {$260.00}. then I contacted ST on XX/XX/XXXX. received another letter from ST on XX/XX/XXXX indicating that escrow was short {$620.00}. I paid it and received an email on XX/XX/XXXX indicating that amount was received. Today I receive my mortgage statement from ST and they indicate that I owe {$3000.00}. I have been paying SunTrust all along, and on time. I do n't know what to do and have not had success when taking with their customer service reps.
It is imperative that I have someone from the CFPB address SunTrust on my behalf, I feel that they are trying to force me into an unnecessary foreclosure or are trying to bully me in to paying additional funds unnecessarily. Please help and stop the unnecessary harassment.
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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In XXXX of XXXX Suntrust bank made on-line system changes the merged their Mortgage accounts into the same on-line portal that is used for checking account. Starting in XX/XX/XXXX when I took out my mortgage with Suntrust I was eligible to have my checking account fee waived so long as I maintained a minmum daily balance of all combined accounts of {$25000.00}. My mortgage account had well more than that averge daily balance. IN XXXX, XXXX and XX/XX/XXXX, after never having been charged a fee I was charged {$25.00} maintance fees for my checking account. ON our about XX/XX/XXXX I spoke with a representative at Suntrust, who said that the fee was charged in error, that because of the system change my account was not properly linked. I was never notified by mail or electronically of this system change or that any action was required to ensure the fee would not be charged. I was refunded the {$25.00} fee and the representative linked my account.
In XXXX and XXXX I was again charged the {$25.00} maintenance fee for my checking account. On XX/XX/XXXX I again contacted Suntrust, this time the story changed. I was informed by the representative that ones mortgage account no longer could count towards the {$25000.00} minimum balance fee waiver for signature checking accounts. The representative could not identify when this change occurred or explain why if that was the case I had been receiving a fee waiver for four years. I was refunded ( after a little back and forth and being elevated to a supervisor ) the additional fees I was charged. The supervisor also informed me they do annual checks of all accounts to ensure proper fees are being charged and perhaps in XXXX, which would have been an annual anniversary they saw I was not being charged the fee I should have been. To the extent I had been receiving the fee waiver by accident, at the very least Suntrust should have to notify me of that fact and tell me actions I could take to avoid the fee. I have looked back through my correspondence, which I receive all electronically, and I do not have any notification at anytime over the past four years and certainly not in the past four months when these fees were being charged, that my account was no longer eligible for the fee waiver. The supervisor said that there should have bene a note on my monthly statement. There was no note indicating that there has been a change to my fee waiver status. And perhaps even more disturbing when I commented to the agent that even if there was a note this is the type of thing that should not be buried on a statement as I don't always check them since I review everything via the on-line portal. She agreed and admitted she never actually reads her statements.
In light of the XXXX XXXX XXXX merger with Suntrust this behavior by Suntrust is very concerning and if this has happened to me I can only imagine the same must have happened to others.
|
| 05/05/2017 |
Yes |
- Credit card or prepaid card
- Store credit card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
Servicemember |
|
I submitted an application online for a XXXX XXXX XXXX XXXX Credit Card account on XXXX XXXX , 2017 . On XXXX XXXX , 2017, I received a voice message requesting a call back in order to verify that I was the one who authorized the application. I returned their call right away and confirmed that I was the one who authorized the application. I spoke with a male representative from their credit card department. I really did n't think about writing down his name because I did n't think that this matter was going to take this route. Well, he was a bit rude and stated that he was going to retract the credit line that I was offered in which my credit line had already been approved for {$25000.00}. I requested an explanation as of why he pulled back on the offer and he stated that he could n't tell me. I even requested a letter in the mail with an explanation of the reason why and he stated that they do n't send out letters. I then requested to speak with a supervisor and he stated that a supervisor was not available. I requested for a supervisor to call me back. I provided him with our main number at home in which is a cell phone that we all use. I even informed him that I authorize the supervisor to inform my dad the reason for his / their actions and he questioned that why do they have to call my dad. I informed him that my dad is authorized because I work many hours and he helps me out. So then I also provided him with my personal cell number. As of XXXX XXXX , 2017, I still have n't heard from a supervisor. On XXXX XXXX , 2017, I receiv ed the credit card via XXXX . I called the XXXX XXXX store in which is handling our new home project and they asked me to come in the store so that they can activate the card. While at the store the representative called their credit card department because my sales transaction was declined. I spoke to a representative in which he verified all my personal information. He informed me that someone from the credit card fraud department was supposed to call me after I spoke with them on XXXX XXXX , 2017 and asked me if someone had already called and spoken to me. I informed him that I still havent received a call. I requested to speak with that department and he stated that no one was available. And also stated that someone would call me back within 24 48 hou rs in which was the same thing that I was told a week ago. As a consumer with an outstanding credit rating, Im not sure what the issue. It is my professional opinion that Im getting harassed and discriminated. They mailed me the credit card, provided me with a n Installment Loan Agreement and I still cant use the credit card. Why? If they dont want my loan business after approval, then they better provide me with a good reason for it. And it better be good because this matter will be taken to the Supreme Court if I need to.
|
| 09/15/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I refinanced my house in XX/XX/XXXX. When we did, our mortgage broker used SunTrust Mortgage. The mortgage, which was a traditional 30-year fixed rate mortgage, did not allow us to get traditional coupons or monthly statements, and instead required an online payment. We visited a SunTrust to set up the process so that we could make payments to the mortgage electronically when we wanted because we did not want to transfer all of our existing banking to SunTrust bank. The XXXX, MD branch of SunTrust helped us, and apparently - although now we have come to understand they did not providing us all the information - set up an account to permit that XXXX XXXX XXXX banking ). I have come to learn in the past few weeks that the account requires a balance of {$10000.00} to avoid fees, or a mortgage with auto pay. Since we had the latter it was set up. It was not explained that how the account worked because the bank was focused on the mortgage and the refinance, not the bank account. All online accounts were via the mortgage account. There was never any communication from SunTrust about this bank account because it was simply to pay the mortgage. We checked mortgage information and such through the online portal. There was no link to the checking account that we knew about. There was always a buffer of several hundred dollars in the account. When we sold the house and moved in XXXX, we opened a mortgage with another bank. Suntrust, without any warning, email, phone calls, or any follow ups began charging $ XXXX. They continue to do so to this day, saying they gave notice in the account materials to open the online accounts. The internal regulations and procedures mean that we are liable for the deducted $ XXXX fees. They have been unwilling to refund them, though the branch I visited to get this appeal process within the bank started called the process shameless and gave me as much as they could. I filed an appeal. I was given {$34.00}. The branch ( which was the branch that gave me all the documents on the now grandfathered account type XXXX had refunded {$68.00}. The total charged was {$660.00}. I would like to get all the fees back, but the bank has been unapologetic for their approach, even though the mortgage portal and banking portal were not the same website. I have never worked with any bank - large or small- that simply does not follow up in any way when those types of circumstances change. I closed the mortgage, I still have a credit card ( though not for long ). In any event, the bank was clearly deceptive in how in how it approached the situation. It could have followed up. But they say they never follow up unless there is fraud. I highly doubt that - my other bank ( which is a similar commercial bank ) does. I do not know if the problem was in the branch or the corporate - but I should not be the one who bears the cost of their incompetence.
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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On XX/XX/XXXX I tried to log into my personal and business checking accounts with Suntrust. Said wasnt available and didnt work for mobile. I called and they told me over phone- we closed your account and you'll be mailed your check. They wouldn't tell me why, how, when.
That is my rent money, my grocery money, my gas money. They did not notify me in writing, via a call, text, nothing. No warning. No reason.
I went into a branch as I am traveling in XXXX. They tried to call corporate. They said with no " activity '' on the account for five days then account would be closed and check then 10 days and then sent. They said the closing process started XX/XX/XXXX! I had funds automatically setup from other companies transferred to the account, automatic withdrawals setup etc and they did not tell me to not interact with my account until I had to have a branch call and find out details of how I can access my own money on XX/XX/XXXX. I had to ask! So the bank can take money into my account, allow attempted debits, refuse the debits but accrue the funds and gain interst on my money, all well penalizing me in multiple ways- 1 ) charging me fees when the attempted debits dont go through even though I wasn't told not to use my account or explained why, 2 ) stealing and hoarding my money and my companies money and gain interest on it- and grow the funds because they can accept deposits on a " closed account '' but can release it to the owner of that account, 3 ) prolonging the release of funds as they did not tell me or give me any sort of details that when something interacts with my account- even a return or automatic transaction- it makes it so my funds are prolonged from me 4 ) no way to access my own money for over a month causing XXXX XXXX XXXX such as XXXX and XXXX 5 ) no access to see what has and hasnt been attempted etc to my own account to see when I can get access /what merchant transactions are accurate etc. This has to be illegal! They said they would mail me a letter. I have received nothing. This is XX/XX/XXXX. They have had my money and no plans to release it. What am I to do!? How can they not give 24 hours notice, explain a week ahead of time? If my rent is late my landlord evicts us. That money was for my rent. So now I will be evicted, can't buy groceries and am unable to buy gas. How is this even legal?! And the bank is tricking me bc they won't tell me anything about what has posted/not and didnt tell me not to issue checks at start of month etc or to cancel my subscriptions etc. They just want to hold onto the funds. This is ridiculous!!!!!! On top of it they charge me XXXX and XXXX each month which I was charged to have an account, then they are going to charge me each debit attempted on the account even though I was unaware of what was going on as they didnt communicate with me to have things changed.
|
| 07/07/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to an unfortunate change in my financial circumstances, I was forced to pursue a short sale of my home. This process began in XX/XX/XXXX. After several months, I was able to obtain approval for the sale from my XXXX lender ( XXXX and XXXX ) in XX/XX/XXXX. I was also finally able to obtain an approval letter from my XXXX lender, Suntrust, on XX/XX/XXXX ( attached ). Right before my closing, my buyer backed out of the sale because of a serious illness in his family. The home was re-listed on XX/XX/XXXX and a new contract was reached with another buyer on XX/XX/XXXX. Almost immediately, I was able to substitute the new buyer and HUD-1 for the old XXXX with the XXXX lender, who was using XXXX to handle the approval. XXXX sent me a new approval letter on XX/XX/XXXX ( attached ) approving the sale, and REQUIRING A CLOSING NO LATER THAN XX/XX/XXXX. Unfortunately, my XXXX lender, Suntrust, determined that the change in buyers amounted to an " all new '' short sale application. I had to provide them with a completely new application form, financial records, tax returns, and more, despite the fact that they had approved the identical transaction on XX/XX/XXXX. Since that time, Suntrust has continually " lost '' documents that have been sent to them, or advised me on XXXX day that XXXX of the pages of the XXXX Uniform Borrower 's Assistance Form had become " hard to read '' or was n't dark enough, and that I needed to resend it, only to tell me the next day that a different line of the same page needed to be darkened. I have sent the XXXX UBA Form to Suntrust, without exaggeration, XXXX times in the past week, and I have talked to them every single day since XXXX XXXX. I have sent them the XXXX approval letter requiring a closing by XX/XX/XXXX on at least XXXX occasions. Each time that I have sent documents to them, I have been told that it will take " XXXX hours '' for them to scan the documents into their system, THEN determine if the documents are " sufficient '' and only THEN will they begin a " XXXX day review '' period. I have been dealing with XXXX XXXX ( XXXXXXXXXXXX, XXXX ) who is very nice but who appears helpless to assist me, despite his appeals to unnamed supervisors. I do not know if what Suntrust is doing is intentional or simply grossly incompetent, but I and XXXX agree that it is unacceptable treatment of a distressed homeowner, particularly when Suntrust itself previously approved this identical short sale on XX/XX/XXXX. If Suntrust 's continued delays push my closing past the XX/XX/XXXX deadline set by XXXX, I have been told by XXXX that it will have to resubmit everything to XXXX, which could delay or even destroy my short sale. This entire process has been incredibly stressful and financially damaging to me, and Suntrust 's actions/inactions have made the situation markedly worse rather than better.
|
| 10/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
We had a Business Account with XXXX XXXX XXXX. In XXXX XXXX, fraudulent activity occurred and money was withdrawn from the account. We had to fight the bank to get them to do anything to stop this. After 3 visits to branches including one located in XXXX XXXX, MD ( we were on vacation when this occurred ), XXXX, MD and XXXX, MD and numerous phone calls including speaking with XXXX XXXX on XXXX/XXXX/XXXX, XXXX XXXX on XXXX/XXXX/XXXX who blocked us out of our account, XXXX ( did n't get last name ) was told 10-14 days before anything could be done, and XXXX XXXX on XXXX/XXXX/XXXX who finally told us we needed to fill out an affidavit of fraudulent transactions to get this process started. When we read the affidavit we noticed that XXXX XXXX had listed the person, XXXX XXXX, who had written fraudulent checks, as the owner of our business account ( I have the paperwork for this ). Checks that we had written continued to come in and our account continued to be overdrawn in addition to them returning the payments so we had to pay fees on the other end as well. We finally were able to get some of the returned item fees refunded. On XXXX XXXX, XXXX we went into the branch to close out the account. We were told we had to pay {$520.00} in overdraft fees in order to close our account. We paid these fees, against our better judgment, but just wanted to be done with XXXX XXXX as it was a complete nightmare dealing with this situation. On our statement for XXXX, it showed that we paid the fees and had a zero balance on XXXX XXXX, XXXX. On XXXX XXXX, XXXX @ XXXX XXXX, we had received another statement from XXXX XXXX stating that we owed {$20.00}, so we called and spoke to XXXX and was told our account was closed the end of XXXX and we owed nothing as we had a zero balance. We just wanted to be done with XXXX XXXX, but we received a subpoena from the XXXX XXXX for XXXX XXXX to appear in court regarding XXXX XXXX, the person who made fraudulent checks and cashed them at 2 different XXXX XXXX locations. We took time off work and appeared in court on behalf of XXXX XXXX on XXXX/XXXX/XXXX. His case went to trial and we were asked to appear again XXXX/XXXX/XXXX again on behalf of XXXX XXXX. We have gone above and beyond for a company that is incompetent, completely dysfunctional, very unprofessional. and stole money from us by requiring us to pay {$520.00} in order to close our account because a teller did n't notice the fraudulent checks that look nothing like the checks that we used. Again, we paid this in order to be done with XXXX XXXX. But, on XXXX XXXX, XXXX we received a letter from a collection agency stating that we owed {$90.00} to XXXX XXXX bank. We have no idea what this is for. We sent a letter to them today, XXXX XXXX, XXXX asking for a letter of validation of the debt and what they are collecting for.
|
| 09/22/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with the payoff process at the end of the loan
|
|
Web |
|
|
In XXXX of this year, I was notified through my credit tracking service that I have signed up through my current bank, XXXX, that my credit score had dropped. I went online and found out that SunTrust bank had reported a delinquent account that they had charged off for {$16.00}. This was a line of credit I had with them since XXXX and when we moved from XXXX to XXXX in XXXX, I had requested that line be closed out. After I sent the initial request, I then requested it again in XXXX and XXXX as a statement had been forwarded to me from XXXX ( not from SunTrust ) and they had failed to close it out.
As a side note, SunTrust had my current address in XXXX as we had been receiving correspondence from them until all of our accounts were closed in early XXXX. However, I had not received any statements on this line of credit since moving from Maryland in XXXX. The amount that they had charged off was the {$15.00} annual fee and a penalty, which totaled {$16.00}. All of the statements regarding this account were forwarded by the person who bought our house in XXXX.
When I found out about their filing the derogatory notice on my credit bureau I called SunTrust on XX/XX/XXXX and talked to someone by the name of XXXX. She informed me that she would process my complaint and I should get something in the mail. When I hadn't received anything by XX/XX/XXXX, I filed a dispute with XXXX ( file XXXX ) as SunTrust stated they had not recorded any such complaint. As I still hadn't received any notification from SunTrust I called back on the XXXX (? ) to confirm that this dispute had been recorded, which was told it had and it would take 30 days. On XX/XX/XXXX, I received notification from XXXX that the derogatory filing had been changed to 90 days late, however, the account was closed on XX/XX/XXXX so no one has been able to explain to me that if it was closed how can an amount or account be 90 days late? In addition, I have had a consistent and excellent credit score up until this point. Why would I allow {$15.00} to charge off and change that after many, many years of a strong credit history?
I explained to SunTrust that they clearly have a flawed system as I have had to repeatedly ask them to close this account over a 2 year period. I also explained that I hadn't received any statements from them stating I owed any money even thought they were able to confirm my current address. They said it was up to me to contact them to ensure the account was closed. As I hadn't received any more statements I assumed the account had finally been closed. They also indicated I should have gone to a branch but there are no SunTrust 's in the midwest.
I want this delinquency removed from my credit as I feel they are taking advantage of me and improperly handled the request to close and charged this account off.
|
| 12/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I got the letter from the underwriters that they are rejecting my application for a mortgage refinance to 3.7 %. XXXX XXXX one of the VP 's solicited my wife and myself over a 18 months ago to refinance at a lower rate, now that interest rates are going up I feel this is just a flimsy excuse to get me to go somewhere else since you no longer want to carry paper at 3.7 %. XXXX XXXX like XXXX XXXX misled me on the qualifications for going with a VA loan, the qualifications are almost identical, in many cases even easier under VA government backed loan. This XXXX about a blue tarp on my roof and a XXXX that never hit XXXX Florida ( I live in XXXX Florida XXXX miles from hurricane XXXX center ) is just smoke used by your underwriters to deny me a loan, probably because of my age. Like I have told you more than 5 or 6 times, the tarp was put on my roof by a company for preventative purposes, no change or damage since I am going after my insurance company for raising my rates. I also feel my application was rejected because I filed a complaint with FTC because Suntrust has not been truthful with me about processing my loan and eligibility with VA loan which I earned with not only XXXX years of service, but XXXX long months in the XXXX while many of you were setting home on your XXXX safe and sound while we were doing the heavy lifting. Now remember Suntrust solicited me to refinance I did not solicit Suntrust, I have put in over a year and a half of time and effort in trying to secure a loan on a property that is only borrowing less than 40 % to equity and all other qualifying factors, debt to equity XXXX scores that average almost XXXX fall under guidelines for approval under any other company who offers mortgages. As a matter of fact I have lost the ability now to seek out a better rate because you are too cheap or too lazy to re-evaluate my roof, I provided the appraisal at my expense as you required, now I would like to have my money back, and money for inconveniencing me for more than a year and a half would only be fair. When I first came to you I asked you to lock me in at 3.5 % which was prevailing rate at the time in XXXX 2016, you failed to do that. I later agreed to except the 3.7 % to move things along. I had already been approved by XXXX XXXX at XXXX all the way back in XXXX 2016 and declined because I thought it might be better to stay with the mortgage company I had been with for over 20 years, 20 years I never missed a payment. You know what is even more all the bad loans and assets your XXXX based bank wrote, all the TARP money you borrowed at the tax payers expense, you just simply go back to the well and the XXXX with the customers like my wife and myself who have been customers for over 20 years get jerked around this is nothing short of perplexing, downright evil.
|
| 04/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I opened a new online with Suntrust online on XX/XX/XXXX. A debit card was supposed to be issued to me. I called Suntrust customer service on XX/XX/XXXX to inquire if the debit card had been sent because I did not receive it. I was advised to wait until Monday XX/XX/XXXX to see if it arrived by then. However, I never received the debit card.
On XX/XX/XXXX, I logged onto the account online and saw a {$480.00} withdrawal that had been made on XX/XX/XXXX. I called Suntrust to report this as fraudulent because I never received the card. I received an automated email from Suntrust on XX/XX/XXXX stating there was a hold on a deposit made on XX/XX/XXXX I logged onto the account online and saw an ATM deposit of {$5500.00} had been made. I did not make this deposit and I reported this as fraudulent activity as well, through the Suntrust website.
At some point during the next week, my online account access was revoked. On XX/XX/XXXX, I received two form letters, one for each claim, stating that my claims were denied. On XX/XX/XXXX, I called the phone number listed on the form to determine why the claims were denied. The customer service agent would not provide any information but stated that I could request that documentation be provided to me. I made a request for the documentation to be emailed but was told it could only be sent via mail. So I requested that it be mailed to me. However, I never received any documentation. I was told that I could appeal the decision and that a rebuttal form would be sent to me. I received that form via email on XX/XX/XXXX.
On XX/XX/XXXX, I also went into a local branch for assistance with the issue. I was notified that my online account access was revoked because the account had been frozen. I asked to withdraw the funds remaining in the account but was told I would not be able to do so. On XX/XX/XXXX, I returned to the local branch with the completed rebuttal forms and they faxed them to the fraud department along with completed affidavits of fraud. I attached the police report showing that we had reported mail being stolen along with hotel and rental car receipts showing that I was in Arkansas when the fraudulent transactions occurred in Georgia.
Despite calling numerous times over the next month, I was never given any information about the status of my case or allowed to access my remaining funds. On XX/XX/XXXX, I received emails stating that my fraud claims were denied. After calling and speaking with customer service, I was told that I could not appeal again. No explanation was provided as to why the claims were denied. Once again, I made a request for the documentation to be provided re the denials. To date, I have not received any documentation and Suntrust continues to hold the funds remaining in my account ( approximately {$500.00} ).
|
| 11/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
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This amends Complaint ID # XXXX and # XXXX My mother and I requested that her SunTrust account be closed in writing and we were informed by the branch manager that we would need to come to the branch in person to close the account. I left work, in XXXX, and drove back to XXXX to take my mother to the branch. Initially they were not going to close the account because my mother only had one form of ID, a State of Florida issued ID card ( my mother no longer drives ) but they relented and accepted my mother 's XXXX card as a second ID ( although it doesn't have Mom 's picture or signature on it ). When we closed the accounts we were given a notice that the account could re-open if items hit that night. I specifically asked that any credits due to Mom because of fraud NOT be posted to the account and that instead they be mailed to her in the form of a cashier 's check payable to her to her address on file and we were told that they would do so. Instead they have credited the account ( she is still due more refunds ) and re-opened the account. This causes two problems. First, this allows whoever is committing fraud on Mom 's account to continue to post items to the account. Second, I am going to have to take even more time off of work to drive Mom to the branch to close the account with no guarantee that the account will actually close because she is still due over {$4000.00} in additional refunds. If they continue to re-open the account and post items to it this becomes a never ending cycle.
The bank 's handling of this situation has been ridiculous. They have refused to freeze the account and instead continuously post additional fraudulent items to the account causing us to call the fraud department over and over again and submit new paperwork. The last time I called them, XX/XX/XXXX, I was on hold for 51 minutes and 25 seconds before I reached an employee. They made it as hard as humanly possible to close the account and when we did close the account they re-opened it. We moved the money from her checking to the savings account in order to protect the funds from fraud and they immediately began posting fraudulent items to the savings account in the amount of {$7700.00}. We were able to close the savings but now we have to wait for the funds to be refunded. I've asked on numerous occasions, including in writing, that I be contacted by a supervisor but to date ( and this began on XX/XX/XXXX ) no one has contacted me.
I've worked in XXXX for thirty-five years and know how fraud cases are supposed to be handled and this has been the most frustrating experience of my life. What do people who don't know Reg E and the rules do? I just can't imagine how people who are unfamiliar with banking rules and have no one to help them navigate this horrific system.
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| 04/06/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.
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| 10/13/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Our company had a business acct with suntrust bank. We were not supplied with any " rules and regulations '' documents only " Deposit Account Resoulution and Authorization for Business Entities ''. We made XXXX deposits totaling {$7600.00} and were told the money would be available the next day. They would not allow us to verify funds at the branch and we were told they do n't do that anymore. The next day my partner made a withdrawl of {$7400.00} to purchase equipment from the funds we recieved from the church. This was Grant Money. The next day I found out the bank had called the police for fraudulant activity on our account and the church account. According the the last paragraph in item ll on the first page of our account agreement they violated their own deposit agreement. All accounts were locked and the church and grant people tried to work with the bank to resolve the first XXXX checks. In the mean time my partner made another deposite of {$7500.00} from the church to cover the first checks and the bank promptly placed a hold on the check. I recieved notice that they were returning the check, then I got a notice that it had been paid. Then I got mail the next day that had the check copy with the notation " Account closed ''. The whole time the bank was told the funds were good and the grant people had no problem with paying these checks. Sun Trust took it upon themselves to close our accounts without even speaking with us or working with us and are calling this fraud which amounts to character assasination and defamation when we had no opportunity to get this worked out. There was no intent to defaud anyone and now we ca n't open accounts anywhere else and are being denied the opportunity to continue our business as banks look at our record and turn us away. I have sent letters saying account closed with no way to make a deposit if I wanted to to clear this up because we are " closed '' Where do we send the money for correct accounting. Our name has be defamed and they are charging fees for a problem they created from the start and now threaten legal action. The bank has taken this action without any regard to the consequences of the parties involved with no attempt to contact. I was told on a phone call with customer service that they do verify funds for business yet we were denied. The bank should be penalized for these actions and made to clear our names and company reputation. All fees should be waved and at this point we feel they should write off the balance for deceptive banking practices. I have attached documentation for our account. We have copies of the churches account and know that it was open at the time of the banks actions but are unable to attach these without their permission as they are pursuing action of their own.
Regards
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| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
Older American |
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This is a call for help from XXXX XXXX US Veterans who were scammed by XXXX banks : SunTrust and XXXX XXXX.
XX/XX/XXXX we closed on an {$800000.00} thirty year home loan at 5.8 % interest only for ten years. Monthly payments $ XXXXDuring year eight we called SunTrust to explore what alternatives we might expect to have at the end of year ten. We had a perfect payment history on this loan. We wanted to talk about converting our loan to a principle and interest loan through a simple modification or refinance at this time since mortgage rates were at historically low.
We were advised by SunTrust that they want to help us but could not talk to us about a loan modification unless we were delinquent and the loan was in default.
The SunTrust agents advised us multiple times to stop making payments so they could help us. We finally relinquished and SunTrust put us in their Loan Modification ProgramThus began a fourteen month nightmare of delays, harassment, lies and deceit. What a joke. Files could get frequently misplaced or 'lost ' many times. This eventually led to a 'modification ' in name only. It added {$75000.00} to principle plus an increase to monthly payments. Sort of an " extend and pretend '' program designed to move the homeowner toward foreclosure. They also ruined our credit.
Lastly, we were threatened with foreclosure if we did not accept the modification.
Monthly Interest Payments now are $ XXXXSurprise, XXXX XXXX appears as owner disclosed for the first time in the new documents. Though SunTrust said XXXX XXXX called all the shots, we were forbidden to contact XXXX XXXX about the new loan.
Not wanting to lose our home, we were forced into the " modification '' agreement. We feel we were purposely led astray by both XXXX XXXX and SunTrust to gain control of our home by nefarious means.
SunTrust has informed us that our new " Modified '' Home loan will go up to {$8800.00} a month XX/XX/XXXX.
Thanks to the way we were misled into a " loan modification '' by SunTrust and XXXX XXXX it has damaged our credit and put us in a position where it is difficult and or impossible for us to qualify for loan with a new lender.
We have tried for a VA refinance loan but were told due to the " Modification Loan " and our lower credit numbers brought on by the non- payments on our old mortgage we are ineligible for a loan.
We are requesting that the loan be rolled back to its original terms ( balance, etc. ) and our credit derogatory comments be removed.
We are happy to consider some modification program that they have as long as it is fair and clear. We have heard XXXX XXXX has a program as low as 3 %. We will then be able to afford and stay in our home.
This will provide XXXX XXXX with borrowers with a long history of on time mortgage payments.
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| 11/19/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American, Servicemember |
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On Friday XX/XX/XXXX I went to the Suntrust XXXX XXXX Branch ATM on XXXX XXXX XXXX, XXXX XXXX Florida to make a withdrawal of $ XXXX from my XXXX XXXX XXXX XXXX. The time was XXXX. There was no sign or any message that the machine was out of service.
The machine took all my info including a {$3.00} fee and then informed me that it was " unable to process '' my request. I went into the branch and was informed they were aware the machine was OOS and were awaiting a technician to make repairs. I requested a sign be posted but was told the technician was on the way. An hour later on my 4th trip to Suntrust there was still no info to let the customer know the machine was out of service. Had there been a notice none of this would have happened.
I then went to another branch and the ATM there informed me I had 'insufficient ' funds to complete the transaction. I then returned home and checked on line my XXXX account and was surprised that, with the conversion, XXXX had debited C {$960.00} from my account. I then returned to the XXXX XXXX branch and talked to the assistant mgr who informed me the problem was with my XXXX XXXX and not the fault of Suntrust, and that I should contact my XXXX XXXX and lodge a complaint.
I didn't believe her, and returned home, called the XXXX XXXX in XXXX, and even though they or myself didn't believe that XXXX was responsible, set up a fraud complaint file and advised me to return to Suntrust and re talk with them. On my fourth trip to Suntrust the asst. mgr still insisted the problem was with my XXXX XXXX and not Suntrust. I explained that Suntrust ATM didn't dispense my {$700.00} because it was 'unable to process ' but electronically informed XXXX that it did and XXXX sent Suntrust {$700.00} from my XXXX checking account. This totals $ XXXX that Suntrust now had. This has caused me to miss my first mortgage payment in eight years.
I talked to Mgr XXXX four times, but was told today Suntrust is set up for the defrauded customer to have to do the fighting with the bank from where the funds were taken from ; NOT Suntrust ATM that failed to dispense the funds as Suntrust does not service their machines.
That means Suntrust takes no responsibility for their errors and places the onus on the consumer/customer to suffer.
With four employees inside who knew the ATM was OOS, why did not one of them place a sign on the ATM? Would it have been too much of an effort to do so?
I can only guess it would have been even though I requested a notice be placed on the machine. Over an hour later there was still no notice on the ATM. With the popularity of that branch, I can only imagine how many customers have been inconvenienced and have lost money by the lack of management responsibility and Suntrust policy.
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| 05/30/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Suntrust Mortgage currently services my home loan, which includes the escrow of taxes and homeowner 's insurance. This is the second year in a row that Suntrust has not issued payment to renew my insurance policy in a timely fashion. As a result, I have had to come out of pocket, in addition to my escrow funds paid throughout the year to pay for the policy ( since Suntrust failed to issue payment ontime ) and am now seeking reimbursement from the servicer.
More specifically, my insurance policy renewed XX/XX/XXXX. Prior to the renewal, we changed the agent of record to a local office, XXXX XXXX XXXX, to avoid issues that we had the prior year with Suntrust and the previous agent on record, XXXX. The Agent of Record change took place on XX/XX/XXXX with a copy being sent directly to Suntrust from XXXX XXXX XXXX. Once it was time to renew, I received a copy of the renewal bill and I personally sent a copy via fax to Suntrust on XX/XX/XXXX.
Note, payment needed to be issued on or before the renewal to avoid possible cancellation. I also asked XXXX XXXX to fax a copy of the bill the same day. I received confirmation the following day, XX/XX/XXXX that the information had been sent to Suntrust by the agency. Then, my insurance agent suggested I call Suntrust just to verify they received the bill and the balance was being processed. I called Suntrust on XX/XX/XXXX at XXXX. I connected with an agent who confirmed that they received the bill and payment was scheduled to be released XX/XX/XXXX, the date of the renewal. I updated my insurance office with this information the same day and have record of that correspondence.
XX/XX/XXXX. I received a call from my insurance agency 's office. The payment still hadn't been processed/received by Suntrust. I placed another phone call to Suntrust at XXXX, XX/XX/XXXX. I connected with a representative who advised they never received any copies of my bill, agent of record change and they had no records of my previous calls. Therefore no payment was made and that if they did not receive proof of payment they would place forced-placed insurance.
Maybe there would have been some confusion - however, given I had been through this exact same fiasco in XXXX with Suntrust, I was adamant it wouldn't happen again and made multiple efforts to deliver this information to Suntrust. Now, I have had to come out of pocket AGAIN to fund the policy and am going to seek reimbursement from Suntrust.
Disappointing is an understatement. I understand how frustrating CFPB complaints must be for Suntrust to have to respond to, but the lack of diligence from the escrow department is challenging to understand. Had I not had the extra funds to pay the insurance policy this would have been an even worse scenario.
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| 06/15/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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Last Tuesday, XX/XX/XXXX, I was making an ATM deposit at my local SunTrust 's drive thru. I put in two checks, one for {$1000.00} and one for {$960.00}, and the ATM read something like : ||Number of checks : 2 ||Number of checks read : 1 ||Total amount : {$960.00} ||Since one check wasn't read, I cancelled the deposit completely out of habit when this happens. The ATM spit out one of the checks, and made a lot of whirring and squeaky noises without the {$960.00} check coming out. The ATM said something like : Transaction cancelled. Thank you for banking with SunTrust.
I called the SunTrust XXXX number while sitting in front of the ATM. They told me to talk to someone in the branch.
I walked into my bank branch and talked to a customer service representative. She told me to email corporate customer support.
I emailed customer support. They told me to call their fraud prevention department.
I called fraud prevention. They told me to download a fraud incident report, fill it out, and fax it back to them.
I faxed the report. I was notified as I did so that this may take up to ten days.
This is an awfully long time to be missing that much money because of a blunder on the bank. My personal accountant told me to just ask my client for another check and cancel this " fraud claim '' investigation ( which the bank assures me it's being handled by the proper department ). I asked my local branch rep. She told me to not take any other action ( ask for a new check, cancel the " fraud investigation, '' etc. ) because it might inadvertently cause a returned check fee, for which they " would not be held responsible. '' I called yesterday, XX/XX/XXXX and asked for a manager to check on the status. I was told it's likely going to be another week before they have an " outcome, '' since it's ten BUSINESS days, which would be on XX/XX/XXXX.
I've already opened my first credit union account. Honestly, at this point I want this situation resolved so that I can close my account completely and take my business elsewhere. I'm not hurting for the money at the moment, but it's an awful large amount of money to be sitting around wondering if they will find the check, or if it's been chewed up in the ATM and I need to ask my client to cut me another check, for which I'm positive SunTrust will not reimburse anyone the cost for a stop payment fee.
After fifteen years of banking with them, it's always been underwhelming, but I wasn't in a great position to change banks until recently. After numerous sketchy overdraft protection fees while I was in college, the bouncing back and forth from a free to paid checking account without notifying me when it's converted back to paid, nothing SunTrust has ever done felt like they had me in mind.
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| 09/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I went into SunTrust Bank on XXXX and deposited a check for {$2100.00}. I was assured by the teller that it would be deposited and the funds made available 24 hours later. The very next day on XXXX, I had no access to the online banking portion of my account. I went back to SunTrust to see what was going on, I was told by the personal banker that they suspected the funds were not in the payer account to cover the check. She then asked for a screenshot of the the check issuers bank account, showing they had enough money to cover the check. ( which I thought to be completely unprofessional ) I spoke to the issuer and they were willing to comply with the request for the screenshot, but then the personal banker said she didn't need it anymore because the issue was being investigated. I figured all of this would be worked out by the next day on XX/XX/XXXX, so I returned home. The next morning on XX/XX/XXXX I received a letter in the mail from SunTrust stating that a hold has been placed on the funds until XX/XX/XXXX. I then contacted SunTrust to see what was going on and how we could resolve this, again. I was told my account was frozen and would be closed " due to rules and regulations violation, '' representatives for SunTrust told me that there was an investigation taking place because the signature on the check had not been verified, but as long as the check cleared on the XXXX at XXXX XXXX. my account would be retained by SunTrust and there would be no issue. Of course, the check cleared on the XXXX at XXXX XXXX as I knew it would, but now I am unable even get a stop payment put on the check because SunTrust has cashed it with XXXX XXXX, which is the issuer 's bank. I have called every day trying to seek a resolution, but keep getting told there is an investigation and my account will be closed when the investigation is done.
I believe SunTrust is in a direct violation of the Expedited Funds Availability act of 1987. They have denied access to my account and any funds for way longer than the law allows. Also, I believe them to be in direct violation of their own account rules and regulations.
Title 12, Chapter 41 of the US Code and Title 12, Part 229 of the Code of Federal Regulations [ 1 ].
It will take 5 to 10 business days before the investigation is complete, 5 to 10 business days for my account to go into " closing status '', and another 5 to 10 business days before they would send the check for my remaining balance and I have already been cut off from all my funds for 8 days. My power is off, I have XXXX small children and my car insurance is due. We can not survive.
Someone please reach out to me. At the earliest possibility, as I previously stated my power is off and we have no way to feed our children.
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| 01/12/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
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Describe what happened so we can understand the issue ...
I applied for an auto loan on XX/XX/XXXX with SunTrust 's lending arm, XXXX. On XX/XX/XXXX I called XXXX after receiving a notice to contact. I provided all the information asked. I then received a notice to provide a copy of my work paystub and proof of liquid assets by the XX/XX/XXXX deadline.
I uploaded a copy of my most recent paystub and a screenshot of my liquid assets which showed all of my accounts and proof of name/address on XX/XX/XXXX.
I received notice on XX/XX/XXXX that XXXX would not accept the screen shot and they no longer wanted proof of only liquid assets, but liquid assets and work deposit that occurred within the last 30 days. XXXX also now wanted a copy of my XXXX from XX/XX/XXXX instead of a paystub. XXXX did not update the deadline date, instead the deadline was still listed as XX/XX/XXXX
I do not receive my official bank statement until XX/XX/XXXX, and I 'm paid monthly, and I do not always choose to receive funds verse reinvesting into the company, so I was waiting until that date to provide an official statement as they, as I had not been given a deadline as to when these new documents must be received by.
I 'm sympathetic to the fact that XXXX must take all necessary steps to protect itself during the loan process, however, when XXXX updated what new information they needed, they should be required to have an updated deadline for when that information is required, listing XX/XX/XXXX for when information is required on XXXX XXXX, is deceptive to the customer. On XX/XX/XXXX, I received a notice that my application for a loan had been rejected because I had not submitted the information requested by the due date ( again no deadline was given for when this information must be received ).
I tried to contact XXXX via SunTrust Bank ( XXXX is a subsidiary of Suntrust ) for a resolution on XX/XX/XXXX. On XX/XX/XXXX I received a phone call from XXXX XXXX in their XXXX XXXX Department who said she would look into it. On XX/XX/XXXX, I spoke with XXXX who said her XXXX had sent a letter on XX/XX/XXXX, saying too much time had gone by from the first application and that I should reapply, meaning an additional Hard Credit pull on my account.
XXXX 's process is deceptive to the consumer, not listing updated deadlines.
XXXX advertises on their website " Your best loan experience guaranteed or {$100.00} is yours! " However, you 'll find out upon digging deeper, they only give you the {$100.00} if you 're approved, I would say this was by far the worst loan experience I 've ever had.
Ultimately, XXXX asked for additional information without providing a timeline for when that information was due, which is a deceptive business practice.
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| 11/19/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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On Thursday XXXX XXXX, 2015 I went to SunTrust Bank, the branch located at XXXX XXXX XXXX in XXXX, Florida. I opened a new account. Included in my itnitial deposit was a check in the amount of {$10000.00} and cash in the amount of {$2000.00}. The cash amount was broken and deposit was made into checking {$1900.00} and savings {$100.00}. I left the bank and returned the next day on XXXX/XXXX/2015 to withdraw {$1400.00} to pay some bills. I was told at this time my money had been frozen and I could not have access to my cash funds. The bank representative XXXX XXXX told me the check looked funny and they suspected to have an issue with the check. It would take 5 to 15 days for the bank to review my account. The cash money the bank held and is still holding todays date XXXX/XXXX/2015 was my monthly income to pay my bills with and to purchase gas for my car and groceries. I tried to call SunTrust Bank on Monday XXXX/XXXX/2015 to find out the status of my money. I could not get through to the bank calling the number I had been provided. I called the local phone company operator to help me with getting me through to the number. i was informed that both my home phone number and my cell number had been blocked at the account holders request. SunTrust bank allowed an employee to block my calls when they were holding my funds and would not give me access to my cash deposit. I am enclosing the notice of hold dated XXXX/XXXX/2015 that gives the reason the hold was placed on my deposit. Code XXXX states deposit exceeds clients average balance. This is a fabrication as I did not have an average balance, this was a new account. Also the notice advises my funds will be available on XXXX/XXXX/2015. This letter is dated XXXX/XXXX/2015. I did not receive this letter until XXXX/XXXX/2015 almost a week later. The next correspondence dated XXXX/XXXX/2015 received on XXXX/XXXX/2015 states my funds will be returned to me within 5 business days. 5 business days would be XXXX/XXXX/2015. As of todays date XXXX/XXXX/2015, 10 days later, still no funds. My health insurance is being terminated, my electric is due to be cut off. i have no food in the house.
Yesterdays date XXXX/XXXX/2015 I again tried to reach SunTrust bank regarding the status of my funds. For a period of XXXX and XXXX half hours i was transferred to XXXX different people. None of the XXXX people could tell me when I would be getting my money. I want my money or a good reason my cash funds are being held and reviewed.
I would appreciate help in gaining my money back from this bank. Do I have any recourse to recover for any damage caused by this unreasonable delay in allowing me to have my money. Also is SunTrust responsible to pay me interest on these withheld funds?
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| 10/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I opened a SunTrust checking on a promotion. {$250.00} Half if you deposit {$100.00} within 14 days of opening and the other half when you maintain deposits. I will include correspondence, but what it boils down to is I was deemed ineligible. I began to investigate and saw a discrepency on their promotion details. SunTrust clearly in print says 14 days.
I have always understood banks and businesses to use " business days. '' Well I would have qualified for the promotion had it been " 14 business '' days. SunTrust said " we meant calendar days. '' Which is represented no where in their promotional document in plain public viewing eye. I kept following up and asking for clarification and I kept getting the same ineligible computer generated CSR response. I finally spoke to one CSR and I was " put on hold '' while they read the XXXX paragraphs of the promotion detail and then " click. '' I called back and spoke to one of the execs XXXX XXXX or XXXX and I could n't connect with her, she just left a generic response for me of my ineligibility. I spoke to another exec that agreed to present my pointing out of SunTrusts vague and imbiguous promotion terminology, still SunTrust says I am ineligible. I went to XXXX page and voiced my opinion. Still to this second, SunTrust is unwilling to admit that they have misleading advertising terminology and that it is open to interpretation and not specific. I am asking that they show me banking policies where " days '' are used in the banking world for transactions as opposed to " business days. '' Then a representative responded to my XXXX post and said " all transactions mean days unless otherwise specified. '' Again they proved my point. Their " disclaimer '' does not appear on the actual terms of the promotion. I interpret banks as using " business '' days, not " calendar days '' when I do transactions with them. I feel they should honor the promotion and deposit the funds into my account. They are in error. Their advertising department is responsible for the open-ended, vague communication of their promotional terms. Why should I be penalized for that? In all, I have proof that my funds left my XXXX in time to qualify also, but for whatever reason, SunTrust kept saying it was n't there until it was too late. Also let 's not forget that Monday, XX/XX/2016 was XXXX and all banking institutions were closed. So my money being delayed was not my fault, it was due to banking day holiday.
I want them to admit their advertising is ambiguous and prove to me that banks use loose terminology when making contracts and doing business. I just want to see it in writing. I would also be satisfied with a code of laws to search to see where banks use days as opposed to business days.
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| 05/01/2017 |
Yes |
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- Trouble during payment process
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Web |
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I requested, in a Qualified Written Request on XX/XX/XXXX on a number of items, detailed in a letter attached an d SunTrust re plied on XX/XX/XXXX . Suntrust : 1 ) Fa iled to provide me the requested items particularly modification documents from XX/XX/XXXX / XX/XX/XXXX . 2 ) F ailed to address my concern in a modification request that my Uniform Borrower Request sho ws affordability of the mortgage. 3 ) Asked me in XX/XX/XXXX to make 3 Tr ial Payments, all of which they received and of which SunTrust confirmed in a XX/XX/XXXX reply to CFPB yet SunTrust has disregarded its XX/XX/XXXX approval and confirmation that the modification was approved. 4 ) Sent two misleading letters to me on XX/XX/XXXX that it was reviewing the new modification and and a letter denying the request. Both letters arrived the same day. 5 ) Denied a request for forbearance in a XX/XX/XXXX application for modification and false noted that I did not mak e 3 TP Ps timely and therefore my XX/XX/XXXX modification was rejected when SunTrust had the three TPPs timely. 6 ) Nev er asked me to support my income in th e Uniform Borrower Appl ication submitted in XX/XX/XXXX and if they had, it was improper, in that SunTrust had my tax returns as part of the application for relief and I signed documentation that the items submitted were true, correct, and accurate to the best of my knowledge. 7 ) Did not submit a denial of the modification request for almost 90 days after they had all of the data to make a credit decision. 8 ) A scertains that it can not make a modification approval even though my application was complete and showed historical income to make the payments by my tax returns. 9 ) Appears to be continuously to be fraudulently responding to me and the CFPB and such should replies should be referred to the U.S. Attorney General. 10 ) Asked me to submit a second request for modification and then wholly disregarded the data submitted as to income and expenses. 11 ) Noted that my loan is 28 months past due when it issued a new modification in XX/XX/XXXX and the payments I made to obtain the modification were received timely and Suntrust represented to the CFPB what I was supposed to do and I did it timely. 12 ) Has continuously noted my mortgage on my credit report as delinquent during the payment period on the mod request i n XX/XX/XXXX con trary to what SunTrust reported in writing to me before and after the modification that there would be no negative credit reporting. SunTrust, via XXXX XXXX , a Officer in the Mortgage Escalations Team, has not replied to my numerous request on the last TPP that was paid to SunTrust
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| 04/17/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Problem with balance transfer
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Web |
Servicemember |
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XX/XX/XXXX - I responded to a promotional credit card offer from Suntrust ( offer attached ). As part of the application process, I provided account information for my XXXX XXXX Credit Card as a card balance I was interested in transferring. This account is currently under a 0 % interest promotional period until XX/XX/XXXX. I was interested in transferring the balance before the promotional period expired.
XX/XX/XXXX - I received notice via e-mail that my application had been approved for a credit line of {$2300.00} ( see attachment ) XX/XX/XXXX - I received a letter from Suntrust stating that since my approved credit line was less than the balance I had requested to transfer, Suntrust would transfer {$2300.00} of the approximately {$4500.00} balance from my XXXX XXXX account unless I instructed them otherwise.
XX/XX/XXXX - I e-mailed Suntrust customer care using the only e-mail contact available on the Suntrust website advising that I was not interested in transferring a partial balance from my XXXX XXXX account and specifying two smaller balance accounts to transfer instead ( see attachment ).
XX/XX/XXXX - I checked my XXXX XXXX balance and realized that Suntrust had transferred {$2300.00} against my instructions and against their written policies ( see attached disclosure ). After a little more research, I determined that Suntrust had transferred not only the XXXX XXXX balance that I had instructed them not to, but the smaller card balances that I had requested resulting in my having a balance of {$3800.00} ( {$1500.00} over my approved credit limit ). I again e-mailed Suntrust and requested an explanation ( see attachment ).
After several e-mails and telephone calls to Suntrust 's Customer Comment Line ( which uses a very complicated automated system and has many tiers of CSRs without the authority to resolve the issues ), I received a voicemail message yesterday from XXXX XXXX, a Suntrust representative, advising that they had e-mailed XXXX XXXX and asked them to return the {$2300.00}. XXXX XXXX stated that that was Suntrust 's final resolution to the issue, and they had no intention of taking further action.
A copy of my Suntrust statement is attached showing that Suntrust charged interest on the entire {$3800.00} balance and is currently showing a minimum payment of {$1500.00} due on XX/XX/XXXX.
I have worked for years to maintain and improve my credit score. That is why I applied for this card. Instead, Suntrust 's actions have already caused my credit score to drop 72 points. If they are allowed to require a minimum payment of more than {$1500.00} in two weeks, I will never be able to recover. If their actions were good faith errors, why are they not interested in correcting them?
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| 09/24/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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We have an FHA 1-Year Adjustable Rate mortgage with SunTrust Mortgage as a result of a refinance in XXXX. Beginning in or about XXXX XXXX, Suntrust did not properly apply our monthly mortgage payments. In addition, we ceased receiving our annual interest rate adjustment notification, and monthly mortgage statement. At that point, we had no idea of our monthly mortgage payment. We attempted several times to make monthly mortgage payments, based on our previously known amount, and they were returned. We notified Suntrust Mortgage repeatedly of the error, and attempted to resolve the issue to no use. Suntrust is pursuing a foreclosure on our home, scheduled for XXXX XXXX, XXXX, at the same time our loan modification is being processed. On XXXX XXXX, XXXX, we forwarded our loan modification package to their offices via USPS Priority Mail. The package was received on XXXX XXXX, XXXX. Shortly thereafter, Suntrust requested additional documentation which we provided. The additional documentation was sent via XXXX on XXXX/XXXX/XXXX, and received in their offices on XXXX/XXXX/XXXX. We made a follow-up call on XXXX/XXXX/XXXX to Suntrust to check the status. We were told that the documentation was not showing in the system, and we informed them of the delivery. The same documentation, including the XXXX proof of delivery on XXXX/XXXX/XXXX, was emailed directly to the representative ( XXXX XXXX XXXX ) on XXXX/XXXX/XXXX. Subsequently, in addition to SunTrust Mortgage pursuing a foreclosure on our home at the same time, they continue to mysteriously misplace documents vital to our package. We have complied fully with their requests for additional documentation, but it always seems to get lost. The last occurrence happened today XXXX/XXXX/XXXX. Since the forwarding of the last requested document on XXXX/XXXX/XXXX, we received no communication from SunTrust as indicated. We made a follow-up call on today ( XXXX/XXXX/XXXX ) to XXXX XXXX XXXX. He was not available, and we were transferred to another representative ( XXXX XXXX ). It was discovered that the last document was also not entered into their system. Copies of the previous emails to XXXX XXXX XXXX were forwarded to XXXX XXXX. She indicated that the XXXX XXXX, XXXX foreclosure sale was still scheduled, and the matter would have to be escalated. We were told the supervisor was not available, and she would call us back by tomorrow. We have complied with all of Suntrust 's requests in this matter. In our opinion, we also have the income to support remaining in our home. Yet, vital documents continue to be lost while Suntrust Mortgage continues with a foreclosure without any regard for documents forwarded, processing, and the overall review process.
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| 11/27/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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Outstanding Escalated Suntrust Case # XXXX ( Foreclosure Initiated/Pending ) Suntrust Mortgage has failed to respond with a substance response specific to my Escalated Case # XXXX. This case was opened on XX/XX/XXXX. Suntrust issued a letter dated XX/XX/XXXX, addressed to my wife and I, stating Suntrust mortgage services your mortgage loan and intends to initiate a foreclosure on the mortgaged property in the name of : XXXX XXXX XXXX XXXX as Trustee for XXXX XXXX - XXXX ( Noteholder ). Noteholder can not locate the original promissory note and will seek to prove standing thought a lost note affidavit. Neither Suntrust or XXXX XXXX XXXX have provided the required lost note affidavit. I specifically filed my Escalated Case and requested where the lost note affidavit is supporting who the noteholder is. I understand I have protections against unnecessary foreclosure until Suntrust responds to this specific question and provides the required lost note affidavit as the servicer Suntrust has not resolved my Escalated Case, nor has Suntrust suspended the scheduled foreclosure sale set for tomorrow XX/XX/XXXX at XXXX XXXX. Its my understanding Suntrust must review each Escalated Case received from a requestor against the information and documentation in the servicing system and or mortgage file and determine the accuracy of the inquiry and reach a resolution. Its my understanding when a server receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. With this case being received on XX/XX/XXXX and a response that is specific to my request has not been received I am asking the CFPB to take action and force Suntrust to suspend tomorrows sale. I requested why the Lost Note Affidavit had not been supplied only after Suntrust sent me a letter informing me the NoteHolder had lost the note and would provide the required lost note affidavit necessary to establish standing. Here we are the day before the sale and that document has not been provided nor has Suntrust responded specifically to this still outstanding request. The CFPB should request the audio call files for the dates of XX/XX/XXXX and XX/XX/XXXX from the servicer and the CFPB will have a very clear idea of how Suntrust manipulates borrowers by informing the CFPB it has responded yet never specifically responded to the borrowers question. In this case, where is the lost note affidavit and why does Suntrust continue to refuse to provide this document? XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
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| 07/14/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have been a customer of SunTrust bank for more than 10 years. I have a personal and a business account with them. I run an XXXX XXXX XXXX XXXX XXXX XXXX. As part of my business, I have several developers that reside in XXXX and XXXX. I have started using SunTrust bank to send out wire transfer to XXXX XXXX to XXXX of the developers in the amount of {$4000.00} a month since XXXX XXXX.
I did my first XXXX transfers at XXXX Bank XXXX XXXX in XXXX, VA in person with no issues. I then was advised to get a phone authorization so that I can do the transfers remotely. I did that and was able to do the final XXXX transfers via the phone.
On XXXX XXXX, XXXX, I received an email from XXXX XXXX XXXX | XXXX XXXX - XXXX at SunTrust Bank inquiring about the purpose of my wires. I responded on XXXX XXXX stating that these wires were a payment for XXXX development work performed by XXXX XXXX, my contractor. I got a response from XXXX XXXX, thanking me for the information I had submitted.
On XXXX XXXX, XXXX, I picked up a certified letter from SunTrust Bank 's XXXX XXXX XXXX where they informed that they will be closing all of my accounts ( business and personal ) within 10 days of the letter dated XXXX XXXX XXXX. There was no explanation for this action. I called the number provided XXXX and was told that I had to go the branch to get an explanation.
On XXXX XXXX, XXXX I came to the SunTrust Bank XXXX XXXX in XXXX, VA and spoke to the Branch Manager who was the XXXX helping me with the wires before. He made a call to XXXX XXXX XXXX and found out that they made a business decision to close my accounts and deny me the right to open a new account because I make transfers to XXXX. I asked if I can open a new account if I stop making those transfers and I was told that their decision is final and they do n't want me as a customer.
As a consumer I was not told that there was an issue with sending money to XXXX back in XXXX XXXX, I was not given a warning, and I am not being given enough time to sort through this situation. The bank has performed about XXXX transfers total for me with no issues. And now not only my business account is affected but so is my personal. I have all automated payments going in and out of both accounts. I do not have another business account to send to my clients so I can collect payment. The letter was dated XXXX XXXX, giving me only 10 days to close out my accounts. I had to go to the post office to pick it up, which happened on XXXX XXXX. Today is XXXX XXXX. Now I have 3 days to get a new account, get payments in there, transfer my money AND setup all the automated payments without missing payments. This is a huge issue for both my business and personal life.
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| 06/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you.
|
| 08/06/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
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Web |
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The vehicle loan was behind on XXXX payments, and we received a notice to cure default. The co-borrower called and set up an ACH for XXXX XXXX. I received another letter as to payment being in default after XXXX XXXX, and that the vehicle was going to be repossessed so I called on XXXX XXXX to make payment to cure the default. I was told by a customer service representative that the ACH payment was made on the XXXX and the loan was showing current except for XXXX in late fees and XXXX 's payment. They would n't accept my visa debt over the phone and would only accept check acct information. So I could n't pay the them at that time. Apparently, on XXXX XXXX there was an issue with the ACH, which was approximately 15 days after the original ACH date. Instead of calling the co-borrower and letting him know there was an issue with his account or calling me that just called the day before to cure the default they issued a request for the truck to be repossessed. It was my understanding on XXXX XXXX that the default was cured, so Suntrust is demonstrating unfair and deceptive practices by failing to give notice that the account is no longer current. The truck was picked up on XXXX XXXX in the morning under repossession order. Suntrust further demonstrated those deceptive practices by telling me that they did n't have to inform me of the issue with the ACH or ask for the defaulted funds before getting vehicle repossessed even though I was willing to pay the funds to cure the default. It is my opinion, the Suntrust was out for unjust enrichment because I went from payment of {$1200.00} to cure the default to payment of approximately {$5000.00} to cure the default, which is outrageous. The original amount of {$1200.00} would have been paid if I would have received communication from Suntrust saying there is an issue with the ACH. Considering the issue occurred 15 days after the original date of ACH, I believe that Suntrust made the mistake. I paid to get the truck out of repossession and I am still receiving letters from Suntrust telling me that it is selling my vehicle on XXXX XXXX and telling me the total amount of what is due. I paid more than the amount to cure the default and I am still being harassed by Suntrust for more money for a vehicle that is n't even in repossession. I personally believe that I should receive a refund of the money over the default of the account due to the deceptive practices of Suntrust and continued notices received from Suntrust. I also believe that the repossession should be removed from my and the co-borrower 's credit report because if given the opportunity and the information I would have cured the default without a repossession.
|
| 10/18/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I have a rental house located in XXXX XXXX XXXX, XXXX. I also have a mortgage with Sun Trust Bank for that house since XX/XX/XXXX. I 've always paid my mortgage and never late until this past XX/XX/XXXX. I ca n't afford to pay the mortgage anymore. I attempted to refinance the mortgage XX/XX/XXXX with a credit of over XXXX at the time I thought it would be easy. I filed the application and processed through the whole mortgage thing only for Sun Trust to tell that there is a XXXX lean on my house from the City of XXXX XXXX XXXX.I was told pay it off and will move forward, so I called the City of XXXX XXXX XXXX and they searched their files for leans and I was told there is no lean on XXXX XXXX XXXX XXXX house owned by me XXXX XXXX. I contacted Sun Trust and told them what the City told me that there is no lean on my property. Sun Trust refused to move forward so I said I 'll something in writing from the City but I told no pay it or we move forward. That was it the mortgage was to high and I could not afford it anymore. XX/XX/XXXX I stopped paying my mortgage so Sun Trust said they 'll send me a loan modification packet which they did, I filled it out and returned the packet only for Sun Trust to send my loan to a collection company called XXXX located in XXXX. I attempted to contact Sun Trust and was told to talk to XXXX. XXXX sent me another loan modification packet and told me to fill it out. I said I just sent one in to Sun Trust I was told I 'll have to send another one to them. I again filled out this lengthy application with all my info and XX/XX/XXXX tax returns. Nothing happened for about a month then XXXX sent me yet a third loan modification packet and said I had fill this out again, of after yelling and screaming as to why do I have to fill out XXXX of these I was told if I want help then this is the process. I filled out the tired loan modification application and sent it back, if you can believe it the customer service female told that this is what XXXX does on a recorded line. Now I just yet another packet which I refuse to fill out. I have an investor from XXXX that wants to purchase the house as a short sale and I said great, but I can not get anyone to help me at XXXX. I called XXXX today and left a message for the person in charge of my case relationship manager XXXX teller # XXXX to call me but she never called back. I guess their stalling for time and will try and foreclose on the house since it has about {$30.00} in equity. This is the game that is being played by Sun Trust and XXXX. I need your help with this situation. the loan on my Sun Trust mortgage is ( XXXX. ). SLS XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. XXXX
|
| 02/18/2017 |
Yes |
- Bank account or service
- Checking account
|
|
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Web |
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My minor daughter had her atm/debit card stolen as well as her mobile banking account information for her checking and savings accounts at Suntrust bank hacked. The thieves used her card to make fake/altered traveler 's check and money order deposits to her account then on the same/next day used the card to make large purchases. They withdrew money from the Suntrust atm as well. This was all in a few days window from approximately XX/XX/2016. Her first indication of anything wrong was the bank 's fraud department calling her on XX/XX/2016 and she realized her card was missing. She is in high school during the day and works part-time several days per week so does not make purchases daily so had not realized it was missing. The fraud department had her verbally go through the information as to what purchases she remembered making, but at that time she was not made aware of any of the fake/altered check deposits. The next week a letter ( s ) came from them in regards to being overdrawn. I went to the bank branch ( on XX/XX/XXXX ) and the manger pulled up the information and then gave me copies of the checks that had been forged-she never knew about those. We were supposed to have a form sent to contest those charges. The forms did not arrive and I spend hours over weeks talking to multiple people. Recently another department sent a notice stating that the accounts would be closed and demanding the overddrawn amounts be paid ( about 2000 $ ) as well as stating that a negative notation would be put on our credit files. I have given them the case numbers but it seems the fraud department does not share the information with the collection department. We were again by the fraud department to fill out forms ( some of them to be notarized ) that then never arrive. They insist that all this could be handled at a bank branch but due to our work schedules we have only been able to go to a branch once and that was not a useful experience. We requested the evidence they used in denying the claim-such as a list of all the time stamped transactions, video images of the perpetrator at the ATM and at XXXX making the purchases at XXXX. However, they have never provided the information only sending a denial letter. They have been very uncooperative. Without the proper information we can not adequately rebut any inconsistent information-my daughter is minor teen and even a week after the incident could not adequately recall which days she may have worked or not and what places she went or not let alone months later. The places that the thieves went to get and spend money were at some distance from our home base and it ridiculous how the bank is handling this situation.
|
| 01/04/2020 |
Yes |
- Debt collection
- Medical debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
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According to my personal records, Sun Trust bank always harass, threaten, contact me during night such as XXXX - the way same as some other criminal nuisance in Washington DC XXXX In the past, I already notified this bank to stop sending me emails during night especially during the mid night such as XXXX. However this bank never change its harassment and threat nature. Instead this bank constantly use false excuse such as charge monthly maintenance fee to steal money from my personal checking account. I have notified this bank at least 5 times in writing asking them to stop interfere the matters which were totally irrelevant with Sun Trust. ( see attachment ). Most recently, from XXXX, XXXX, XX/XX/2019 this bank used false excuse such as deduct XXXX XXXX monthly maintenance fee to constantly threaten me as a bank 's customer. In the past, I already filed two formal complaints with CFPB accusing Sun Trust bank 's criminal activities. Its behavior and conducts already committed criminal harassment, threat, intervene, interfere, bullying etc. toward me as a victim. Its criminal behavior was exactly like a funeral truck who carried two lines of lights driving toward me at end of 2019. That truck was attempted to access me just like the way Sun Trust deducted money from my checking account in XXXX, XXXX and XX/XX/2019. As I informed Sun Trust, you must pay all my damages {$25000.00} harassment charge for total at least 4 times. Insufficient promotional bonus {$500.00} for the year 2019 when customer like me completed 10 debit purchase and at least {$500.00} direct deposit. Plus under my urgent and extremely serious complaint to CFPB three times to ask return {$20.00} stolen money from my checking account. Until now you have not returned yet after you received my complaint 4 days already except the previous complaint in XXXX and XX/XX/2019. My attitude is very clear and my action is firm, I am NOT going to concede or deduct a penny toward your constant criminal activities. I am being harmed on the monthly basis. And I have great concern about my safety of deposit. As I informed you, the earliest you pay all my claims filed to CFPB as well as the claims filed to mycardbenefits, the earliest I will leave. If you want to interfere some other criminals matter then the default judgment owed by the other States is your debt : {$5200.00} XXXX plus 20 % interest and criminal restraining order & permanent restraining order ( Please do NOT send me emails or any contact during night. Opt-Out all marketing materials and contact such as call, email, mail, fax etc. ) I am NOT willing to concede. I am NOT willing to deduct a penny. As I said my decision is FIRM.
|
| 03/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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My experience with Suntrust banking in the last month has been a nightmare. I am a family doctor who has wasted maybe 10 hours of my time that could be used much more productively to counteract borderline criminal business practices of XXXX banking. I've had Suntrust for XXXX years for a mortgage. To get a better rate I had to open up a checking account with suntrust. At the new year my mortgage was increased by XXXX dollars. Unfortunately I didn't update my automatic withdrawal setting to reflect the XXXX dollar increase so instead of notifying me they charged me a XXXX dollar fee and a week later charged me another fee. I was not notified until I got a letter in the mail weeks later and that day I resolved it and had to go to the branch and talk to dozens of people to get it resolved on just a XXXX dollar over draft that would have costed me XXXX and potentially more. Potentially more because once I settled the XXXX dollar fee. mortgage has yet to communicate with checking so checking still thinks my account is overdrawn. So I have to waste time out of my day to make sure they communicate with each other. Their strategy in business is to exhaust the customer by separating each division where one division can not contact the other division. Whenever I call banking it's mortgages issues and vice-e-versa. Today it was when i called banking it was an online banking issue. Next issues is today I noticed ANOTHER TWO SEPARATE XXXX dollar fees. Checking is saying that I did not have enough money to cover the mortgage so there is a return fee. The mortgage takes the fee of the XX/XX/XXXXof each month. I set up automatic payments for the XX/XX/XXXX of the month. It says the transaction processed. My other bank sent the funds on the XXXX. For some reason suntrust did not process until the XX/XX/XXXX. So I now get charged XXXX fee 's on the XX/XX/XXXX and the XX/XX/XXXX for them not processing in time. I spent an hour talking to them but they said they can't refund the fee because they did it last month. Just so you know a little about me. I am a XXXX with a credit of over XXXX. I take pride in paying my debts but will not accept extortion.
I have some screen shots of the incident to better explain the situation : Including the scheduled automatic payments that was processed on the XX/XX/XXXX, my statement from my other bank saying the funds were taken from my account on the first of XX/XX/XXXX, and my checking statement of back to back fees without notifying me until the second fee. This is simply unethical and not right of suntrust. They should refund my money and investigated for further unfair fees to other customer.
Thank you for your time.
|
| 03/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
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Web |
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XXXX : I mailed my car note at the XXXX XXXX XXXX XXXX and found out a month later that my check never arrived.
XXXX : I called the bank 's automated number and found out that check number XXXX had cleared for {$1500.00}. After talking to a customer service rep who transferred me to a fraud unit and being put on hold so long that my phone battery died, I drove to my branch office along with my dad. We met with a Personal Banker, who gave me a copy of my check which showed that the check had been changed to someone else 's name and for XXXX. We were all very surprised to see that the check did not show my signature and was not dated and the Personal Banker said that the check should never have been cashed. He called the fraud unit and they assigned it to case number : XXXX and said I should hear something within 15 days.
XXXX : I had not heard anything so we went back to the bank and the same Personal Banker again called the fraud unit who said that were now in day 16 and they would escalate the service for 72 hours.
XXXX : Still had not heard anything and we went back to the bank and the same Personal Banker was very frustrated that the money still had not been put back on my account. He once again called the fraud unit who agreed to what the Personal Banker had said was obvious that the check had been washed and should have never been cashed since it was not signed and dated. We were again told that they would escalate the investigation to 72 hours. The Personal Banker said that since he was already vested in this, he would call the fraud unit back in 72 hours on Monday XXXX, and keep me updated.
XXXX : I went to the XXXX XXXX XXXX XXXX and told them what had happened and they said that during the first week of XXXX some mail had been fished from the outside box and they have had several complaints. I gave them a copy of my check which they had requested so they could pass it on to the postal inspector.
XXXX : I still had not heard anything from the bank, including the Personal Banker who promised to keep me updated, and my {$1500.00} still had not been put on my account so I submitted a complaint to the Federal Reserve.
XXXX : I received an email from the Federal Reserve explaining that they had forwarded my complaint to the CFPB for appropriate attention.
XXXX : A month has now gone by and since I still have not heard anything from the bank or from CFPB, I called the CFPB to check on the status of my complaint but was told that there was no record of my complaint and no indication that it had been forwarded to them by the Federal Reserve. The CFPB rep was very nice helpful and suggested that I send a fresh complaint to CFPB.
|
| 08/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
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Web |
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On XXXX XXXX 2015 I was interviewed online by a recruiter pretending to hire for a company named : XXXX XXXX XXXX based in XXXX. The job according to the job posting would consist of Data entry from home and I was directed to expect a {$2600.00} check to buy equipment for the job. The next day the check arrived at my door by express mail, I dropped it to my bank by ATM the same day but afterward I realized that the name of the company was not mentioned on the check ; I connected online with the recruiter and asked what the procedure would be after I receive the money. She said to me that I should withdraw the money and direct deposit it in another account Than I realized I was in a middle of a scam, right away I called the Bank asking if they could withdraw that check from the ATM machine and they said to me that they do not have access to the ATM system, I should wait for the operation to go through and then meet them after the check is processed, which I did on the XXXX of XXXX after the position of my account was updated with the amount of the check. The same day I went the Suntrust XXXX Branch and and the officer confirmed to me that the check is in fact a fraud. I asked her to put a hold on my account and return the money immediately. She advised me to open another account as the previous one was compromised. I followed her advice and deposited {$100.00} in the new account. She told me that the new account will be connected to my check card since the old account will be frozen till the procedure is completed, and later on closed. she said it will take XXXX business day for the new account to be connected to my online banking system. After the XXXX days, nothing went the way she told me. I called her, and she told me again that I should come to the branch and fill up a form for the connection to take place, which I did.
From that point everything took another turn as my new personal checking account was frozen, my online banking system suspended. I could n't process any online payment since my business account was connected to my personal account through the online banking system. Since Monday XXXX XXXX I am at the branch everyday, the team-members of the branch are powerless in finding a solution to my problem. The bank has terminated my relationship, closed my old personal checking and saving account, frozen my new account, and do not want to talk to me. they have no schedule to when my money will be given back to me. I have bills to pay and my money is blocked by Suntrust bank. I am being penalized for doing the right thing. I am lost and do not know what to and I am also a victim and surprised by the action of this against me
|
| 01/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
The Honorable XXXX XXXX Deputy Director, Consumer Financial Protection Bureau XX/XX/XXXX XX/XX/XXXXDear Deputy Director XXXX : This is a complaint about the failure of two national banks, XXXX XXXX XXXX and SunTrust, failing to properly audit an ATM machine to resolve a discrepancy in the amount disbursed to me when the ATM malfunctioned on XX/XX/XXXX.
I am XXXX years old, and a checking account holder at the XXXX, XXXX branch of SunTrust. However, as a matter of convenience, I initiated an ATM withdrawal of {$300.00} at a XXXX XXXX XXXX branch at XXXX XXXX XXXX XXXX in XXXX XXXX on XX/XX/XXXX. Once I initiated the transaction, the ATM mechanism designed for disbursing the currency mangled all the {$20.00} bills, except one, keeping {$280.00} of the cash proceeds for which my SunTrust account was debited. I was able to see the mangled bills in the ATM mechanism but could not do anything to resolve the dilemma. I espied a XXXX XXXX XXXX employee inside the bank premises and went in and implored her to assist me before another ATM patron initiated a transaction of withdrawals and thereby might receive the balance of my funds.
The XXXX XXXX XXXX employee scoffed at my request for help, advising me that ATM transactions are beyond the authority of their duties at XXXX XXXX XXXX. I knew this to be untrue because I have witnessed bank employees retrieve electronic debit and credit cards from ATM machines when the ATM has mistakenly confiscated a patrons card.
So, I became more insistent that someone help me because I believed that since the cash proceeds had been delivered to the mechanism for disbursement, my account would be charged although I had been deprived of the full amount of the authorized withdrawal.
The refusal to help me escalated to another unprovoked level when the XXXX XXXX XXXX employee beckoned security ( a XXXX government police officer moonlighting ). I was assailed by the security agent who, like me is XXXX. From there the development of events went beyond anything that can be described as rational or reasonable.
Both XXXX XXXX XXXX and my bank, SunTrust, have denied my claims for an honest audit that would, if honest, reconcile the amount ( {$280.00} ) of cash proceeds that I did not receive from the XXXX XXXX XXXX ATM onXX/XX/XXXX
This complaint is made to enforce my rights to having this matter conciliated in a manner that reflects the chronological developments which can be documented by the digital and visually recorded data contained within the XXXX XXXX XXXX repositories used for safekeeping records of digital surveillance and financial transactions at the ATM, all of which validate my claim.
|
| 03/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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At the end of XXXX, I opened a XXXX XXXX checking account with Suntrust -- an account with a {$25000.00} minimum. Two weeks later, after confirming that they received my signature card which validates the account, I attempted to use the mobile checking app to deposit XXXX checks of {$1000.00} each for a total of {$3000.00}. These checks were my own checks from a different bank. Essentially, I wrote XXXX checks to myself from Bank XXXX in order to transfer the money to my SunTrust account.
Two days after this, when I tried logging into my SunTrust account to make sure that the checks had cleared, I was denied access to my account. I waited a few more days and upon realizing that I was still unable to access my account, I called SunTrust to resolve this problem. I was informed that the account was placed on hold because it may have violated a SunTrust regulation and instructed to wait for a letter in the mail.
I finally received this letter to which the representative on the phone was referring on XXXX XXXX. The reason for the hold was as follows : " Reason XXXX XXXX : Deposit exceeds client 's average balance. '' This explanation is completely illogical. Naturally, any new account will run into this problem! My average balance was less than {$100.00} -- the initial deposit I made with the bank representative when opening the account. I had tried to deposit {$3000.00}, a normal amount of money to begin using the account and SunTrust responds by putting my account on hold. It does not even make sense for such a modest sum of money to even be flagged considering that the account MINIMUM was {$25000.00}. The amount I deposited was barely a fraction of that.
When I received this letter, I still held out hope that once the checks cleared then SunTrust would be reassured that everything is normal and they would lift the hold. NOT THE CASE. I received a letter on XXXX XXXX that SunTrust decided to close the account.
On XXXX XXXX, I received another letter that clarified that SunTrust reserves the right to close any account for any reason and without disclosing the reason.
To make matters worse, I only received a check for {$90.00}. I checked with Bank XXXX and they confirmed that the {$3000.00} in checks had cleared. I called SunTrust and they said they will not return the {$3000.00} until XXXX. I am outraged that I am being taken advantage of in this manner. Not only are they wrongfully closing my account, they are holding my money for over three months for no reason.
Please help me to resolve this issue. I am very diligent with my finances and trust that you will be able to help my make this situation right. Thank you.
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| 09/21/2017 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
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I am making a complaint against Suntrust Mortgage XXXX XXXX XXXX, XXXX VA XXXX In reference to Loan No : XXXX. The basis of my complaint is that on or about XX/XX/XXXX I was advised in writing by Suntrust that my escrow impound would increase {$630.00} per year or {$52.00} per month based on a projected escrow shortage On XX/XX/XXXX, I received some correspondence from XXXX XXXX which caused me to discover that there there would in fact be no escrow shortage as I had been paying on two Homeowners Policies in error when the new escrow was caluclated in XX/XX/XXXX. Thereafter I immediately began to obtain a reanalysis of the escrow impound from Suntrust on XX/XX/XXXX, XX/XX/XXXX. XX/XX/XXXX over the course of four lengthy conversations. Some of Suntrust 's telephone reps could not understand the issue. One explained that I should get a refund from XXXX and send the money back to Suntrust, who thereafter would send the money to me. I simply want a lawful escrow impound on any future payment. Hopefully beginning XX/XX/XXXX. I was told by the last rep of Suntrust but for the double insurance coverage my XXXX would be approx {$750.00}, which was almost exactly what I was paying ante the inaccurate and unlawful escrow analysis.
These are the facts. I assumed the loan from my parents XXXX and XXXX XXXX in XX/XX/XXXX, after making the payments myself from the inception of the loan in XX/XX/XXXX. In XX/XX/XXXX Suntrust collected {$860.00} ( {$7200.00} prorated monthly ) from XXXX Policy Number XXXX. As part of the assumption process Suntrust required that I obtain homeowners insurance in my name which I did through XXXX Policy number XXXX effective XX/XX/XXXX at XXXX XXXX yearly ( prorated {$86.00} per month ). XXXX never cancelled the aforementioned policy XXXX, thus from XX/XX/XXXX until the XX/XX/XXXX policy was cancelled on XX/XX/XXXX according to Suntrust 's records I was paying two insurance policies from XXXX on the same policies which is both unlawful and legally impossible. The failure to cancel policy number XXXX caused Suntrust to blindly analyze that their would be a monthly {$52.00} escrow shortage. Suntrust acting in a manner contrary to law, decency, and common sense absolutely refuses to re-analyze the incorrect escrow impound. They have adopted the unlawful and anti-consumer position that I must send them any refund that I received from XXXX for double billing from XX/XX/XXXX until the first policy was cancelled on XX/XX/XXXX oe in spite of my explaining their mistake they would not re-analyze their escrow calculation. i am being treated unlawfully and bullied by Suntrust for reasons beyond my understanding
|
| 05/31/2015 |
Yes |
|
- Application, originator, mortgage broker
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|
Web |
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In 2008 I met a gentleman by the name of XXXX XXXX. His home address is XXXX XXXX XXXX XXXX ; XXXX XXXX, FL XXXX. His mobile phone number is XXXX. He told me that he was selling homes that he owned at a great price and that there would be a {$10000.00} USD profit pay-out at closing if I decided to purchase. He also advised that I contact a mortgage broker that he works with named XXXX XXXX. Her company is XXXX XXXX XXXX XXXX , XXXX. The address is XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX, FL XXXX. Her office number is XXXX and her mobile number is XXXX. The first time I met XXXX, XXXX, myself, and my sister were all in her office at XXXX XXXX XXXX XXXX at XXXX XXXX XXXX ; XXXX, FL XXXX. She and XXXX were explaining that I would generate $ XXXX to do the repairs and upgrades to the home upon closing on XXXX of XXXX 's homes that he was selling. The address of the home that I purchased and currently occupy is XXXX XXXX XXXX XXXX. XXXX never took me to the home to look around and check it out. She never advised that I should take such actions either. Still, XXXX ( the seller ) told me that the sales price would be {$170000.00} USD. Upon getting a pre-approval and an approval for an FHA mortgage from a private financial intermediary ( XXXX of who I also believe partook in this mortgage fraud ), XXXX never mentioned that I would be required to put a down payment on the home, let alone 3.5 %. I believe that a private lender financed the home and sold the mortgage to SUNTRUST BANK in addition to an inflated interest rate. Furthermore, according to the credit history, strength and income-to-debt ratio, the SUNTRUST agent should have known that it was a fraudulent transaction. I was under the false pretense that I would be receiving 100 % financing, get the additional $ XXXX to do the repairs and upgrades on the home, and have the closing cost paid by the seller. There was an appraisal conducted by XXXX XXXX from XXXX. The location is XXXX XXXX XXXX XXXX ; XXXX XXXX # XXXX ; XXXX, FL XXXX. Her mobile number is XXXX and the office number is XXXX. She appraised the home at $ XXXXUSD. I also believe that the appraiser inflated the value of the home in accordance to this ordeal. Around XX/XX/2008, I received a call from XXXX to come to her office. She advised me that " the bank '' was having problems approving the loan and that she would have to increase the price of the home from {$170000.00} to {$180000.00} USD in order to get an approval. I had recently signed a contract on the home for {$170000.00}. She assured me that it was n't going to make a difference because I would now be receiving the amount of {$25000.00} USD.
|
| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me.
|
| 03/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I 'm filing this complaint on behalf of a number of SunTrust XXXX XXXX debit and checking account holders.
SunTrust is violating ethical standards, regulatory standards ( " bait and switch '' ), and their own terms and conditions. Here is why : For some time, SunTrust has been advertising, promoting, and issuing their XXXX debit card. That card, linked to a SunTrust checking account, carries a yearly fee of {$75.00} and gives its holder XXXX XXXX XXXX for every XXXX spent on debit ( pin-based ) and credit card transactions without any limits to the number of miles a cardholder can earn. I have been contacted by many friends and family members of mine who are card- and account holders with SunTrust who have reported the following to me:1. SunTrust seems to be in process of closing all those accounts whose members have earned a certain number of miles through legitimate debit and credit purchases.
2. In XXXX instance, SunTrust even reached out to XXXX to intentionally reverse and take away from the card member any XXXX XXXX already earned.
3. SunTrust is not renewing their XXXX XXXX anymore for many long-standing account holders just because they earned what SunTrust considered " too many miles ''.
In the opinion of a lawyer whom I contacted regarding this matter, SunTrust is clearly engaging in a tactic known was " bait and switch. '' SunTrust lures new customers with their XXXX XXXX Debit card, charges them the yearly fee of {$75.00}, and then, once they become customers and earn a certain number of miles, SunTrust closes their accounts ( or does not renew them ) and in some cases even tries to reverse miles already earned. The lawyer further suggested filing a class action lawsuit on behalf of all cardholders. I 've so far refrained from going that route but I hope this complaint will cause SunTrust to act as follows:1. Stop closing legitimate accounts just because their holders earned above a certain number of miles to which, according to SunTrust 's own terms and conditions, they are entitled to.
2. Renew accounts in good standing according to your terms and conditions as XXXX XXXX accounts and cards.
3. Stop trying to reverse miles already earned.
If SunTrust does not act as laid out above, I will undertake the following actions:1. I 'll have my lawyer friend prepare a class action lawsuit for bait and switch.
2. I 'll reach out to the Office of the Comptroller of the Currency, the XXXX and Georgia Attorney General, the XXXX, and other institutions to file additional, regulatory complaints.
3. I 'll bring to the attention of the media the unethical behavior of SunTrust.
Sincerely ;
|
| 04/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I called the suntrust executive office on XXXX XXXX and talked to XXXX XXXX. I explained to her that ALL of my emails to XXXXXXXXXXXX in the last few months were IGNORED and asked her why. She said she did n't know why but said that is not how suntrust does business. I pointed out to her that that obviously is how suntrust does business otherwise someone would have responded to my emails. It 's also obvious that REPEATEDLY LYING TO CUSTOMERS is also how suntrust does business and THEY DO NOT CARE. I told her about the ongoing problem the last XXXX years of NOT getting a correct mortgage bill AFTER I pay my escrow shortage. How can they cash my check for the escrow shortage and then send me a bill for the exact same amount I just paid them?? THAT IS A SCAM!! I also asked her why my escrow has been short 3 years in a row. I 've had mortgages with other lenders and NEVER had any problems with getting a correct statement or had my escrow short EVERY YEAR. She told me she would open a case for my complaints and call me the following Monday, XXXX XXXX. She of course did NOT call me back. So I tried calling her on XXXX XXXX and was told by XXXX that XXXX XXXX was gone for the day. I called again on XXXX XXXX and briefly talked to XXXX who refused to answer any of my questions. I called AGAIN on XXXX XXXX and finally spoke to XXXX XXXX again. I reminded her of my conversation with her on XXXX XXXX and that she said she would call me back. She LIED and said that she thought my complaints were being handled by the social media team. My complaints were NEVER going to be handled by the social media team because they NEVER answered my emails and my complaints on XXXX about XXXX XXXX never calling me back were removed and I was BLOCKED from posting any more complaints, even others are still allowed to post theirs! During my conversation with XXXX XXXX on XXXX XXXX she told me again she would have someone look into my complaints and she would call me back on Monday, XXXX XXXX. She even went so far as to tell me she " put it on her calendar '' which was also apparently a LIE because of course SHE NEVER CALLED ME BACK. I am so tired of being DELIBERATELY LIED TO REPEATEDLY BY PEOPLE WHO ARE HANDLING XXXX OF MY HARD-EARNED MONEY. This is completely unacceptable!!!!! These people have absolutely no business handling other people 's money!!! I need written, verifiable proof that someone is working on a resolution to my complaints and I need a FULL NAME ( FIRST AND LAST ) of the person/people resolving my complaints along with their direct phone numbers. Is there anyone at suntrust who knows how to tell the truth?????
|
| 07/21/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened an account of Suntrust XX/XX/XXXX because I see a promo while I visit the branch. The banker lied to me he put the code for me to get the bonus, but actually he did not at that time because he thought I was not eligible. He is XXXX, Financial Services Representative at XXXX XXXX In-Store. What a joke he wanted me to have direct deposit first and then he used the code for me to get the bonus whereas the printed term mentioned the opposite step ( enroll promo program with the code, made direct deposit requirement to get bonus ). ( the fact is even I do not make the requirement, there is nothing to do for the fact that he did not put the code as I mentioned. It is absolutely his fault, especially he told me he put it in.It turned out he did not forget but cheat to client ) Be careful of the this address, it is hidden in XXXX, Mail Code XXXX XXXX XXXX XXXX, XXXX, TN XXXX. There is not much banker, you are very highly possible to meet him and you will be crashed.
After my several call and investigation with phone service, he finally admitted he lied to me and viewed my profile and did re-enter the code which he should do it 2 MONTHS AGO. I got confirmation message from the secure message system about the fixing problem, I have to wait 8 weeks to have the promo. ( so I have actually longer time, if we counted at the beginning moment I met the requirements ). Then I find out he made tricky to my saving account, too. He violated the FEDERAL LAW to withhold my tax in saving account. I am not US Citizen but US person, under my country - US treaty, I should not pay tax of interest at some beginning amount, in other word. I should not withhold tax, but have XXXX form for me to report tax, as any normal people did. I asked him to change the withhold setting and let me have the form, he refused to do it and mentioned I shall call IRS to do the SUNTRUST account TAX withhold setting. I asked to complaint for their saving account setting error, he made up stories for me and refused to put the words as I said. He wanted me to do that complaint form by his word ( who know what he said, he wont even let me look at his screen ) and refused to further help me. It is only because at that moment here are some white people waiting for him to help. I am XXXX, he is XXXX,, but can you not help the front people solve problem, and then try to help next one at the back? The clearly racial discrimination is the only reasonable explanation. Seriously, be XXXX % care to deal with the banker XXXX. I do not show his full name for his privacy, but you know who I am talking to if you get to that branch.
|
| 03/28/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
I am writing to file a formal complaint and ask for assistance in getting my funds from Suntrust Bank.
On XXXX XXXX, 2016 I made a {$3100.00} deposit at the XXXX GA branch. I asked the Branch manager when the funds would be available and she said they would be available at mid-night. The next day I went to XXXX XXXX to purchase materials for a job I was working on and the transaction was declined. I went to the bank and the same manager laughed and said " I guess you cant have access until XXXX XXXX '' and walked away. I asked her why and she turned around and said " You can have your money on XXXX XXXX '' and, started laughing. I was very upset and I said " This is XXXX that I cant have access to my own money '' and walked out.
I called Suntrust and filed a complaint against the branch manager and about 3 hours later I received a call from a security guard for Suntrust that said I was no longer allowed in that bank. I asked him why, and he said she filed a complaint against me.
The same branch manager tried to have the manager at XXXX ( the bank is inside ) to have me banned from XXXX. She does not know that he is a personal acquaintance of mine and he told me that she said I was trouble and not to let me back in the store. He refused her request.
I reached out to the District Manager and she informed me that my account was closed and that I would have a check cut and released on XX/XX/XXXX.
I have not received any type of notice about any holds on my account and I have not received any notice that my account was being closed.
I called on XX/XX/XXXX, and she now says that I can just sit and wait and there is nothing she is going to do.
It is now XX/XX/XXXX and the funds are still being held by Suntrust. I have called the company that wrote me the check for my work at XXXX and they said the checks cleared their account on XXXX XXXX.
The customer service at Suntrust tells me all they can see is the account says " under investigation '' and there is nothing they can do.
It has been 20 days ( 14 business days ) and, my funds are still being held at Suntrust with no signs of them giving me my money.
I have sent numerous emails to XXXX and do not even get a courtesy response from them.
In the mean time, I am past due on my mortgage, truck payment, electric bill, and have limited money to feed my family. I also do not have material money to complete my next job because of the funds being held.
I am told you are the person that can assist me with the wrong actions I have with Suntrust.
Please contact me at XXXX if you have any questions Thank you, XXXX XXXX
|
| 01/31/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have sent a request to recast after paying off {$69000.00} off XXXX mortgage since XX/XX/XXXX. Sun Trust came up different reasons to delay the process and changed the criteria of what can be and can't be changed. For example, SunTrust can't get the principal correct in the recast after I have contacted them few times. After few contacts, I decided to send in one additional payment and hope that they will come up with the right principal amount to recast. I was told that we can send in recast request if we pay additional {$5000.00} in the principal but last XX/XX/XXXX they told me that I have to send in at least 10 % of the outstanding loan to request any recast. When I came up with 10 % of the outstanding payment to recast and requested to remove the escrow account at the same time, I was told that I can't remove my escrow account because the investor has changed the criteria of escrow accounts removal. The escrow account can only been removed after opening the account for two years and my account has only been open for one year. I told them that I was told that escrow account can be removed after one year when I first refinanced and was able to do so with my first Sun Trust account before I refinanced. They told me that the investor has changed the rules last XX/XX/XXXX. I asked them why I have never received any information about the changes. Particularly, I sent in the request about XX/XX/XXXX and I have paid off all of taxes for XX/XX/XXXX at the end of XX/XX/XXXX. Sun Trust never bothers to tell me that I can't remove escrow account until I paid off the rest of XX/XX/XXXX taxes and called them back to ask them to apply the escrow amount to the principal. I never got any answer. All they do is asking me to pay additional XXXX for something that I already paid.
After recast, Suntrust requested me to send in {$4900.00} for XX/XX/XXXX and it also shows that I am past due {$2400.00}. I have contacted SunTrust and asked them to recalculate the payment and also reinstate the fact that I have never received any changes about escrow accounts. They contacted me twice via the phone. When I called back on XX/XX/XXXX around noon, I got cut off. I called them again today ( XX/XX/XXXX ) and got cut off first time after speaking with the first representative. I called back again at the number that was left at my phone and spoke to the second representative. He was not aware of escrow account issue but he told me that they have a lot of information on my account about me not being able to pay and need assistance on my payment. I still can't get any answer about escrow accounts.
|
| 08/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I opened a Checking account with SunTrust Bank on XX/XX/XXXX online. I was told I would need to go to the branch office to make a deposit and get my account number, etc. On XX/XX/XXXX I went to SunTrust -XXXX Branch in XXXX , Tennessee and deposited {$500.00} cash. They gave me a card with their routing number and my account number.
When I got home, I went online to set up my Bill Pays. I set up 5 and they were all successful and paid. I also ordered checks online for {$23.00} or so.
On Tuesday, XX/XX/XXXX I tried to logon to my account and it said, access denied. I called Customer Service and was told that my account had been closed. I asked, why and I was told it was because of Rules and Regulations. I asked what that meant, but no one could tell me.
I called XXXX, Assistant Vice President at the XXXX Branch and told her what was happening. She said there was nothing she could do. She did not know why they closed my Checking Account.
During the following days I continued to contact Customer Service to see if they could tell me anything. Somewhere during my phone calls, I was transferred to the Fraud Department and spoke with a representative and once again told my account was closed due to Rules and Regulations on page 23 which says they can close my account. I asked to speak to a supervisor and then spoke with XXXX. She too gave me the same answer. She said I would receive a letter within 10 days advising of the closure. I asked her if the letter would give me the reason ; she said no.
I asked her when I would get my money back from the account. She said around 20-25 days.
After hours of talking with many representatives of SunTrust, I was getting nowhere. I explained to them that if fraud was involved, I needed to know asap since I had my identity stolen in XX/XX/XXXX, have been affected by the XX/XX/XXXX XXXX Data Breach and I needed to straighten out the information. I finally called the Account Security and Claims at SunTrust on XX/XX/XXXX and they gave my information to the investigators and gave me a Case # ( XXXX ). The investigator was to call me that afternoon or this morning, XX/XX/XXXX. I have heard from no oneonce again.
In the meantime, I have received my debit card, emails with promotions as if Im still a customer.
Since this has happened, my credit scores have gone from over 600 to now at all 3 bureaus to XXXX, XXXX and XXXX. And this is just in a week. Does this have anything to do with SunTrust? I dont know. I have had over 17 inquiries from companies I dont know.
So why, SunTrust did you close my account. I believe I am entitled to know.
|
| 07/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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Suntrust Bank has continuously reorganized transactions that are on my account to ensure that they are able to get multiple ovedraft fees for transactions. They have even left CASH DEPOSITS pending and not posting to my accounts causing fees to happen. They will take transactions that have been pending for days ( with smaller balances ) and reorder them and process a newer larger pending transactions so that all the funds that are allocated and supposedly already being held for current pending transactions are used. So now there is an OD fee so when the funds that are held on pending transactions are freed, they are eaten up by the OD fee causing the ALREADY pending transactions that are ( Previously authorized for payment with funds taken from available balance ) to not be able to be paid and Overdraft. I was charged a {$36.00} OD fee for a {$94.00} charge because I only had {$94.00} available at the time. I was charged {$36.00} for a {$0.00} differential. This has happened before on my account. There was a {$20.00} cash deposit pending when this happened as well. So why was my deposit of CASH not processed? If my {$20.00} CASH deposit was processed I would have been able to cover the {$.00} as well as the subsequent {$15.00} Gas charge that I also received a {$36.00} OD fee for because it was not money there. Well I apologize the {$20.00} CASH deposit was and is still pending. So now my account is overdrawn {$69.00} which is {$72.00} ( XXXX OD fees ) +XXXX+XXXX+XXXX= XXXX - ( {$20.00} Cash Pending ). I have checked and honestly due to Overdraft fees for reorganizing drafts and transactions and holding deposits ( CASH DEPOSITS ) I have paid in excess of {$1000.00} in Overdraft fees to date. I have already paid these fees to keep from having to pay the extended fee but I truly feel like paying {$36.00} for {$0.00} makes me feel like I have been XXXX by the bank and no one cares. Why could this not be a courtesy reversal. I called and had absolutely no complaint about the {$15.00} charge and Overdraft fee. I know how unethical and unconcerned this bank is for it 's customer 's welfare. They are more concerned with the dollar amount. I would like to be refunded my {$36.00} for that {$0.00} differential as that is extremely excessive abuse of the OD fee penalty. This has happened previously with a OD fee for a charge less than {$.00} and they gave a credit so I am no longer eligible for any future credit according to XXXX the Rep and the branch. This is a horrible horrible bank and they are sharks at prey. If I make mistakes I NEVER complain but this is horrible.
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| 03/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Borrower seeking compensation & damages for all Unapplied, Misapplied Funds by Suntrust processing department in XX/XX/XXXX.
Full compensation for Late fees applied in XX/XX/XXXX which were than charged in XX/XX/XXXX ( not once but three times ) .These mistakes of course involve again pulling FULL made payments into suspense which SunTrust ca n't keep track of.
The borrower will provide payment receipts for payments made before and after the late fees charged, so that there can be a continuance.
XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX XXXX XXXX -made on XXXX XXXX XXXX - Full payment is pulled into suspense? No late fee XXXX XXXX -paid XXXX XXXX XXXX -Skipped NOT posted XXXX Late fee charged {$77.00}?
Past due {$2200.00}?
XXXX XXXX -paid XXXX XXXX XXXX is posted to XXXX? XXXX Late fee charged {$77.00}?
Past due {$4400.00}???
XXXX XXXX - paid XXXX XXXX XXXX - statement date XXXX XXXX XXXX Late fees charged {$77.00}?
Past due {$4400.00}???
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX ( transaction date bottom row shows XXXX ) on top the receipt states XXXX XXXX? XXXX Late fee is charged {$77.00}?
Past due {$4400.00}???
XXXX XXXX -paid XXXX XXXX statement date XXXX XXXX XXXX is charged {$77.00}?
Past due {$4400.00}???
XXXX XXXX -paid XXXX XXXX XXXX statement date XXXX XXXX XXXX charged {$77.00}?
Past due {$4400.00}???
XXXX XXXX -paid XXXX XXXX XXXX -posted XXXX No late fee ( XXXX XXXX added a late )?
Past due {$2200.00}???
XXXX XXXX -paid XXXX NOT POSTED or credited anywhere & gt ; {$2200.00} Due back to borrower!!
XXXX XXXX -paid XXXX XXXX is applied to XXXX XXXX XXXX No late fee ( XXXX XXXX added a late )?
Past due XXXX So someone realized the mistake and fixed everything but did NOT correct any of the late fees charged of {$540.00}. there is also ONE Full payment From XXXX XXXX which was NOT credited anywhere which is now due back to borrower with interest since XX/XX/XXXX.
XXXX XXXX investigation completely false and inaccurate! In XX/XX/XXXX she went back to XX/XX/XXXX to find more fees to apply to the mod - Not only that they Bogus and should have been adjusted once the mistake was fixed but as it turns out there is ONE full payment from XXXX XXXX XXXX - Missing {$2200.00} with interest to be refunded to borrower.
the entire list of the lates charged in XX/XX/XXXX in the modification are uncorrected mistakes and the rest are fabricated. All receipts with statements are attached.
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| 05/23/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
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My general complaint is " authorizations and/or holds '' that are placed on cards by merchants for services to paid at later time and not taken away when bill is paid. When Merchant bill is Paid in FULL, any " authorization or hold should definitely be removed if not immediately then at the very least within 24 hours.
My recent experience Suntrust Bank over this demands looking into to. On XX/XX/XXXX I checked into the XXXX XXXX XXXX used my Suntrust card and a {$120.00} was put on hold for this stay.
Upon checked out I paid bill of {$250.00} In Full on another card. Later when I realized something not right was going on with the Suntrust Account and the XXXX. I called the hotel first and they assured me the problem was with Suntrust, so I immediately called my bank to try and resolved this, explaining that the bill has been paid. They said I would need to contact the hotel to get this resolved and I explained I already had and they said " You '' Suntrust Bank is holding this up from clearing. I was also told on this call that it could take 3-5 days to clear. I said that is unacceptable, especially considering you can take my money with the stroke of a key. So, you can understand the frustration if this has ever happen to you. It is like both parties are playing " you '' back and forth like a ping pong ball. So, I recontacted the hotel and they assured me they were not the reason for this charge still being on my account. So, I called Suntrust back again after a 10 minute hold and asked for a supervisor to try and get this resolved. So, when they spoke to me, they told me the same thing ... '' it is the hotel holding this up '' and now this time was told it could take 5-7 days to clear and which time I went off like a cannon on this dude. Plus, to my second surprise, I was told for the First time that the hotel would have to give them a " confirmation '' number in order to get this cleared. I said fine, let 's call them right now, the manager is sitting by the phone waiting for this call. This supervisor refused to call or help other than say " : they need to call us ''. Wow, isn't it great how they try so much to help their customers. Amazing!!
So, I am sure this has cleared up by today and probably not still an issue, but I wanted you all to know how frustrating this process can be between merchants and banks and that most importantly the customer, the guest or the client, whatever you want to call them, We are the ones that suffers during this process and it should not be this way.
Thank you for your concern, XXXX XXXX.
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| 04/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Dear, My loan 30 Yr Fixed with PMI used to be serviced by XXXX Mortgage and in XXXX 2014 started being serviced by SunTrust Mortgage. I had requested to pay down my principal balance to remove the PMI. I ordered and paid for the full appraisal which is great. According to my loan documents and to an email ( in writing ) from SunTrust, the principal payment should bring the LTV to 80 % in order to remove the PMI.
and here 's what happened:XXXX- First Issue : SunTrust violated the agreements : after completing the appraisal, they informed me that mt LTV should be 75 %, therefore I had to pay more to remove the PMI ( sent them many emails and made multiple calls, but received the poorest service and never replied to my emails promptly or even acknowledged my question, have all records ). However, I was confident that my property value would be high enough so this should not pose a big financial difficulty on my family.
XXXX Second Issue : The appraisal was wrong. After being informed of my property value, I received a copy showing the size of my condo XXXX Sq Ft instead of XXXX Sq Ft. They used the size calculation method, which impacted the value of my property. Contacted them again and was sent from XXXX customer representative to another and was told I was wrong. I contacted my association to double check the size of my property and they confirmed it 's XXXX ( also in line with first appraisal I had years ago ) XXXX Having reached a dead end, I decide to proceed with submitting a payment of {$28000.00} to an address they provided me through email ( their secured mailbox and have the records ). The address was WRONG. I had mailed my payment through Priority Mail and included Delivery confirmation and ETA was 2-3 days. 2 weeks and nothing happened and mail showed as not delivered, and I realized address was wrong. So I contacted SunTrust and asked how we can resolve, the customer service suggested to process a payment through the phone so I accepted and followed her directions. She assured me that she will add a note to my account indicating that.
XXXX Supposedly, shortly ( less than 24 hours ) after that SunTrust received my other check and deposited. It happened in the order I provided, first processed my online payment then processed the check. This resulted in overdraft fees at my bank in the amount of {$72.00} SunTrust started also charged me a NSF. I called them, reminded of what happened and they waived it. Now they are adding it back on my XXXX statement.
Please help, I 'm willing to provide all the documentation needed.
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| 06/29/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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RE : SunTrust Bank, XXXX, VA XXXX 1. My company received a check from a new customer in the amount of {$1800.00} for the purchase of product. The check was written on SunTrust Bank.
2. Based on new customer status, I hand delivered the check to SunTrust Bank and requested verification of funds availability.
3. A SunTrust manager at that location certified that funds were available in the new customer 's account.
4. Based on funds availability, I requested that the check be cashed, then used the funds to open a new SunTrust corporate account.
5. The very next day, I returned to the same SunTrust Bank branch to request a cashier 's check to be issued from my newly opened corporate account.
6. The teller advised me that the funds from the previous day were clear and available.
7. Based on this information, I requested a cashier 's check to be written, payable to the manufacturer of product for my new customer.
8. Approximately two weeks later, I received an overdraft notice in the amount of {$1800.00}.
9. I returned to SunTrust Bank and spoke to the branch manager, who stated that SunTrust apparently had made an error and that the problem would be corrected, however ; 10. SunTrust is now refusing to make any correction and insists that I repay SunTrust for the bounced check.
11. I contacted the customer whom I had received the check from, advised him of the situation, and asked to be reimbursed.
12. Eventually, he gave me a partial payment of {$1200.00} cash, which I took to the same SunTrust branch and deposited into my corporate account to cover the overdraft.
13. Approximately one week later, I returned to the same SunTrust branch to pay the remaining balance due on the account.
14. The teller advised me that there was no record of the {$1200.00} cash deposit I had made the week before.
15. I contacted SunTrust Customer Support and asked if the branch 's video could be reviewed by SunTrust authorities to verify 1 ) my presence at the bank that day and 2 ) the cash deposit that was made.
16. The SunTrust representative told me that SunTrust Bank does not do that sort of thing.
17. No further assistance has been given.
18. Suntrust Bank has mishandled every transaction I 've encountered with them since opening my corporate account. In addition, during one of my visits, they provided me with someone else 's account information.
Fairness is not the issue here. SunTrust has mishandled my account and stolen my money. I demand it be returned to me immediately. That is the only right and just resolution.
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| 04/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Suntrust Bank advertised a bank account opening promotion XX/XX/XXXX. I opened an account under that promotion and after I thought I have completed all the requirements, I sent a secured message on XX/XX/XXXX to customer service asking for a review of the Promotion Bonus and seek confirmation whether I hit all the requirements to receive the {$200.00} signup bonus. On the same day, a rep replied to my email and stated that I am eligible for the Promotion Bonus and should expect to see {$200.00} within 8 weeks. On XX/XX/XXXX, I checked my account and sent another email to customer service for a status on the promotion bonus. A new rep responded, apologized for the response provided by the previous team mate, and her review concluded that did not qualify for the promotion bonus. XXXX additional emails and XXXX phone call later to appeal and request further review as I was relying on wrong info provided by the rep on XX/XX/XXXX, a new bank representative called me on XX/XX/XXXX to convince me there were no errors on the bank 's part based on her review and interpretation of the secured messages. She stated that because the XX/XX/XXXX rep did not directly answer my question whether I qualified for the bonus, her conclusion was Suntrust did not make an error in representing that I qualified for the bonus on XX/XX/XXXX. Furthermore, based on her interpretation of the secured message, the XX/XX/XXXX rep was merely provide a general comment ( not a response to my inquiry ) that if I meet all the listed requirements, I will receive the bonus. Now that the time window to complete the requirements are over, I am no longer eligible for any bonus no matter what.
I feel wronged by Suntrust and its customer service representative. I asked a specific question on XX/XX/XXXX to confirm qualification and seek guidance from Suntrust to ensure I met all the requirements and complex terms and conditions of the {$200.00} account opening promotion. I trust Suntrust to review my account and provide a yes/no response and provide assistance to help me meet the qualifications if it was a no response. Instead, Suntrust interpreted the XX/XX/XXXX rep 's guidance to me differently to purposely deny the promotion bonus. There was no recognition that the XX/XX/XXXX failed to provide a proper answer to my question and possibly mislead that I qualified for the promotion. Suntrust has no intention to pay the promotion bonus that was advertised and took measures to prevent customers from meeting the qualifications to engage in deceptive business practices.
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| 09/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
Servicemember |
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in XXXX I was persuade and pressure by XXXX XXXX XXXX of SunTrust bank in XXXX XXXX NC located on XXXX XXXX ...., to open up a checking account ... we spoke for about 45 minutes and I discussed with him the needs I had, and why I would only open up another checking account with any bank even SunTrust, and that was specifically the need to cash paper checks and have funds available immediately ... ... point blank ... we went over this point carefully, that. 1. can I cash a paper check at the atm, and withdraw money immediately, and that I needed over draft protection. Which he offered, and said he was setting up. Which I found out later that was a lie also, as well as the ability to cash checks immediately also and withdraw at the atm..and that I would not be charged a statement fee. If I use my atm card 10 times a month ... which I found out to be untrue also ... ..so I attempted to cash a check at the atm and withdraw money ... XXXX XXXX 2017 at XXXX while the bank was still open ... the atm machine prompted me that it had cashed my check and accepted it ..as I attempted to withdraw some cash it prompted me that would be allowed to withdraw cash as a one time courtesy but then later told me funds were not available ... so I entered the bank and inquire ... I spoke with XXXX XXXX..and explain why there were so many misconceptions with my account. He, ( XXXX XXXX ) begin to explain them off ... .as if we never discussed these items when we open up the account ... .none were true..and it was just attempt to get me to open up an account to just generate addition fees for the this bank ... and attempt to have my social security and county benefits directly deposit to sun trust, ... all by informing me fraudlently at the initial account set up ... SO I CALLED THE XX/XX/XXXX POLICE, XXX, AND MADE AN OFFICIAL REPORT OF THIS TYPE OF FRAUD ... SO I WAS PROMPTED BY THE NC BANKING COMMISSION THAT YOUR AGENCY IS WHERE I SHOULD LOGDE MY COMPLAINT ... ... IF, SO, I AM DOING SO NOW ... I also feel that he discriminated against me simply because I was not a typical ( XXXX ) and because I was XXXX and my money is received from a public source ..mainly social security. And he lied to get me to open up this account be telling me he was offering these benefits. And setting them arm at the initial account set up. When in fact he was doing no such thing..in all hopes to generate fees towards the bank and ruin my credit ... FRAUD ALL OUT FRAUD ... WHEN XXXX OF XXXX ARE OFFERD THESE ACCOUNT SET UP IMMEDIATELY..BUT NOT THE GENERAL PUBLIC ...
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| 05/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XXXX XXXX XXXX I was to go to XXXX , Florida and purchase a car that my son had found me at the dealership he was currently working at. The company is XXXX XXXX XXXX XXXX XXXX . I was on my way from XXXX , MS to purcha se a vehicle when my son advised he was not getting commission on the vehicle that I was purchasing. He said I could still come purchase it and he would stay through the sale however, he was leaving the company after that. I still had planned on going and he called back and advised that the dealership advised they did n't want my business and XXXX could pack his desk and leave. My son XXXX then called me and told me to turn around they did not want my business and I asked to speak to XXXX the finance person and he refused to speak with me. I have a witness in my car hearing the conversation. I then called back and wanted to make sure they had nothing on my credit. I then come home and checked and sure enough on XXXX XXXX XXXX they checked my credit without my consent or signature. There are several hard inquiries on there now from XXXX XXXX XXXX . I then contacted the XXXX XXXX XXXX after they did n't want to speak with me on the phone, and no one returned my call. XXXX had tried two attem pts to resolve the issue, they did n't respond and I received an email on XXXX XXXX XXXX advising no response and this negative information will be reported for three ye ars for XXXX XXXX XXXX XXXX XXXX of XXXX , Florida. I just purchased a car at the current company my son is a salesman at and seen there is still the ones from XXXX XXXX XXXX . THIS IS THE EMAIL THEY SENT ME : COULD N'T UPLOAD ... .... XXXX Logo XXXX XXXX XXXX XXXX XXXX Re : Complaint # XXXX - XXXX XXXX XXXX XXXX XXXX In the absence of any response from the company to this complaint despit e our two reque sts to them, we are closing our file on this complaint. This unanswered complaint will become part of the information we report to the public on this company for the nex t three years. Should any government agency request our files on this company, your complaint will be included. If you have settled this complaint directly with the company, would you please let us know that, as well as any other comments you might have. Your help in doing this is important to ensure that our report to the public on this company is accurate. Thank you for using XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX
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| 08/29/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with additional products or services purchased with the loan
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Web |
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On XX/XX/XXXX, I requested a loan from XXXX. I was referred by XXXX 's page on motorcycle loan. I changed the amount to {$16000.00} after finding the specific one that I liked. I had to provide vehicle information ( model, etc. ) before the loan was approved. The fund was transferred to my checking account on XX/XX/XXXX, and I made a payment for the specific motorcycle on XX/XX/XXXX. I subsequently provided more information. The first payment was withdrawn on XX/XX/XXXX. On XX/XX/XXXX, I somebody from the company left a message tat I should call. When I called, they had no clue what it was about. Then I received an email message stating that " After reviewing the vehicle information you entered online, it appears you purchased a motorcycle, which is not considered an automobile. The incorrect loan purpose was selected. Therefore we are requesting that you log into your XXXX account online to schedule a payoff within the next 30 days. '' I talked to a customer rep. ( XXXX ), who said that I could either pay off or have it refinanced. First of all, if I have enough money to pay it off, I would haven't applied for a loan. Second, I was directed by eBay auto financing for a motorcycle loan. I have no idea why I was directed to XXXX if they do not do a motorcycle loan. Third, they should have looked at the information I provided before approving the loan. In any way, I did not hide a critical piece of information. According to the agreement, " The loan evidenced by this Agreement ( " this loan '' ) is made when each of the following conditions is satisfied : ( 1 ) you electronically sign this Agreement and we accept the Agreement ; ( 2 ) you provide us with all the information we request to set up and Fund your loan and verify your identity for authentication purposes ; ( 3 ) we pay the loan proceeds to you ( " Funding '' or " Fund '' or " Funded '' ). '' I have met all requirements. The agreement also states that " We may, in our sole discretion, refuse to accept your Agreement and elect not to pay the loan proceeds to you if ( 1 ) you do not satisfy all of the above conditions by XX/XX/2018 ; ( 2 ) you are one or more days delinquent on any other loan obligation that you have outstanding with us, our successors, or assigns ; or ( 3 ) we have reason to believe that you made any materially false statements on your application for this loan. '' I did not meet none the criteria. In short, XXXX is attempting cancel this loan, which does not seem to be their right, based on information provided in the agreement.
|
| 05/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Settlement process and costs
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Web |
Servicemember |
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The borrowers have been paying diligently on an interest-only agreement since XXXX XXXX, XXXX. Per the hardship letter the monthly payment of {$2100.00} is difficult to pay during the remaining months of the interest-only period and will be even more difficult to pay after the period ends and the monthly payment increases XXXX XXXX, XXXX. So they submitted an XXXX to the lender.
The borrower was offered a new agreement. The proposal is a short term agreement that will put the mortgage back into a foreclosure situation because the hardship is permanent.
They completed credit counseling and a household monthly budget with a HUD approved agency. The final analysis for the brrws budget calculates a 61 % front end ratio which increased due to the loss of over 25 % of their income over a 6 month period. The brrws have reduced their back-end ratio by paying down credit cards and medical bills.
The brrw submitted an appeal. The appeal is below : After reviewing the current Loan Modification Agreement it is my decision to appeal this offer for the following reason : Our XXXX agreement lead us back to this point because the payments were not fixed and continued to rise back towards the original payment. We are seeking a modification for a fixed term so that recurring foreclosure proceedings will be avoided. The offer presented to us pushes us back into foreclosure proceedings over time because the hardship is now permanent.
We were unclear of the terms because at first glance it appeared that our rate was reduced to a price that was affordable reflected on the document dated XXXX XXXX, XXXX informing us of the XXXX original Loan Modification Agreements : ( pageXXXX XXXX ), however after reviewing the Loan Agreement on ( pageXXXX-XXXX ) we realized that as the rate increase that it will lead us back to our current state resorting towards foreclosure.
As we appeal this process we are going to escalate our efforts to our congressman to help us in our process to save our home. It is our prayer that you would reconsider this offer and seek to offer us a fix permanent solution to save our home and avoid foreclosure.
The brrw is a XXXX Veteran and was advised by the Veterans Affairs office to seek assistance from the local Congressman 's office. The Congressman office sent the appeal to the servicer and within 3 weeks the appeal was rejected and denied by the investor. Because the hardship is now permanent, the brrws do not feel that this agreement is a fair proposal to help save this property from foreclosure.
|
| 06/20/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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Web |
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My brother and I started a business account at Suntrust bank, because one of the bankers told us about a promotion they were offering. When we sat down with the banker and started the account. She told us all we had to do to receive the promotion money, was open the account and keep a positive balance for about seventy five days. That was to receive the XXXX XXXX dollars. To receive the XXXX XXXX dollars, she said we needed to sit down with their business consultant and purchase something from the company he worked for. That would be a total of XXXX XXXX dollars if we had met these requirements. All together we spoke to XXXX employees at the bank about the promotion. They all said we would receive the money if we met these requirements. We spoke to the manager, the banker and the business consultant. So we started the business account, purchased a XXXX from the business consultant and we kept are account open since XXXX 2015 and still continuing now. In doing this we met the requirements that we had been informed of. Then when the time came that we were supposed to receive the promotion money. They did a bait and switch. At this time they informed us that we needed to make a XXXX dollars worth of qualifying deposits. As soon as we found this out we deposited the XXXX dollars with in a week. The manager told us that she would snap shot the deposit to show her escalation department we had the money. At that we left the bank. We went back to the bank and asked about the promotion and one of the employees gave us a number to contact the escalation department. When i called that department they told me they would have someone call me back. They had someone call me and tell me they still had n't made a decision. Since then it took about six months waiting on someone to give us an answer about the promotion we deserved for meeting the requirements. Their answer was they would have honored another promotion for XXXX dollars, if we would have met the requirements of making XXXX dollars worth of deposits and that we never registered in the program. Conveniently enough for them, they left this out and did n't inform us that they we 're considering to honor the XXXX promotion instead of the XXXX. They did n't even know what promotion we signed up for. They never even told us we needed to enroll into a program. After this they said that was their final decision and if we called back we would just get the same answer. We would appreciate if we received the original {$400.00} we we 're told we would receive. Thank u.
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| 01/08/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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I attempted to open a business checking account today ( XX/XX/XXXX ) as I have just recently launched my own company. To my surprise, and sadness in what should have been a very happy day, I was turned away from XXXX XXXX due to a prior reporting by SunTrust. I was not turned away due to poor credit, or bounced checks, or not providing the necessary business paperwork ... but due to an odd decision on top of an odd decision made by SunTrust. XXXX provided an adverse action notice on the new account due to SunTrust reporting fraud on a previous checking account that I had with them ( ending in XXXX ). This was a shock as SunTrust, in XX/XX/XXXX, closed the account abruptly with no information. At the time I was frustrated, and after talking and escalating many times with SunTrust I learned that the account was closed due to me opening " too many disputes '' and due to their internal regulations/tolerance to have the account. As much of a pain as it was to have a checking account closed with no notice, and as questionable a practice as it now seems in hindsight, I shrugged it off at the time and went to another banking institution. Now, years later, this odd decision which was originally a question mark is now haunting me again in the form of not letting me establish new banking relationships. As a consumer I would expect a bank, and still do with my current financial institution, to act as an intermediary when it comes to a dispute with a merchant. If there are questionable charges or a merchant is uncooperative, I ( as do many other consumers I presume ) seek aid from the financial institution who facilitated the transaction via the dispute process. How should this lead to ramifications to the consumer in the form of an abruptly closed account or adverse consumer reporting on an account with a {$0.00} balance? It should n't.
Further, I have researched with XXXX ' consumer reporting agencies and XXXX XXXX XXXX does not have record of this " fraudulent '' account. I am still awaiting feedback from XXXX ' other provider, XXXX XXXX XXXX.
Lastly, I have attempted to resolve directly with SunTrust to no avail. When the account was closed in XX/XX/XXXX I was a confused consumer that had minimal harm from the ordeal - now I am a baffled consumer that is being held back from finalizing a business start up. The case number with SunTrust is XXXX. SunTrust 's customer care and credit reporting departments evidently have no knowledge of this adverse reporting and have no abilities/desires to correct the issue.
|
| 09/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
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Web |
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Someone got a hold of my debit card as I apparently had lost it debit card & did not realize that I had lost it. I did not realize it was missing until I recvd a call from SunTrusts fraud prevention department asking me to verify charges. I advised that the XXXX charges made on my account were not made by & were fraudulent. They immediately shut my card down & told me they would file a claim for me. They gave me claim number XXXX. I waited & one day I recvd a call from someone with SunTrust bank by the name of XXXX and something close, from the investigations dept & I explained was bad time a could n't speak as I was at Dr appt. She asked when would better time & I explained in a hour or so. She never called again, I made several attempts to call her back & left several messages that same day & even a couple of days later. The very next day after I received email saying that my claim was denied as there was no error on the bank or merchants part & the claim was denied. I spoke to a supervisor & explained that someone had my card & she explained that there was n't a lot of info as to why the claim was denied & only info she has was they determined there was no error on the bank or merchants end. I explained that I had the card immediately shut down when the fraud was discovered. They told me that looks I had done business with the merchants before, & appeared valued. It was XXXX!! Who do n't shop at XXXX but I would not have gone two hours away!! Also some of the charges were made while I was at a Dr 's appointment as I had recent XXXX. They told me I could file a rebuttal which I have done and it was submitted on XXXX XXXX, 2016. Every time I call I get no info. They said they would send me documents that they used to determine and support the decision but all they sent was a copy of the original denial letter again and no documents were actually sent to me. When I called to inquire as to why I did n't get documents just another copy of the denial I was told that was all the documents they had. To this date XXXX/XXXX/2016 they have still not given me back my money and seem to be giving me a run around. I would like my money back I did not authorize the transactions or take part in anything and have done everything that they have asked me to do! CHECK CARD PURCHASE XXXX XXXX # XXXX XXXX GA for {$520.00}, CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$450.00}, and CHECK CARD PURCHASE XXXX # XXXX XXXX GA for {$200.00} all the transactions were made on XXXX XXXX, 2016. I would like my money returned
|
| 06/13/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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SunTrust brought my loan XXXX 2012 from XXXX Bank and XXXX. XXXX months after refinancing SunTrust discovered that the MIP was miscalculated. Initially XXXX 2012 at closing, documents signed showed {$110.00}, SunTrust calculated {$250.00}. SunTrust admitted that a mistake was made and that they would be responsible for the difference. It was discovered that SunTrust have not lived up to their agreement in paying the difference in the MIP, {$130.00}, the bank has set up an account with my escrow overage to pay the difference in the shortage in my MIP, that 's illegal for that to happen without my knowledge. The account was discovered during the many calls to SunTrust regarding issues and questions regarding mortgage payment increase, there has been no increase in home owners insurance XXXX XXXX, no increase has been done for more than 5yrs, but mortgage payments have continued to increase, with the increase ALWAYS adding up to the shortage in my MIP. When it 's brought to the attention of SunTrust, the complaint is sent to the resolution team, afterwards several different statements indicating what my new payment will be for the coming month, with several different statements to follow week after week. I have struggled with this issue since XXXX, this has been very exhausting and humiliating, and I have not received XXXX refund overage from my escrow, although statements indicate a refund, but also show that the overage has been applied to the MIP.
I have contacted the SunTrust Mortgage Escalations Team for a resolution to this issue, with letters indicating that the issue has been resolved, and the issue has resurfaced year after year for the last XXXX. My SunTrust Mortgage is so complicating and confusing at this point, when I call for any questions regarding the issues, they all relate to the MIP miscalculation, SunTrust customer service ca n't answer my questions, because they are just as confused. I have constantly had to deal with these issues each year when the Annual Escrow Account Statement is received. A mistake was made at closing with the MIP, with no fault of my own, and I have had to deal with this nightmare year after year, with no resolution. I have reached out to the President/CEO of SunTrust, and have exhausted all possible personnel relating to SunTrust to bring a resolution to this issue, only to be told by the resolution team that my complaint has been resolved, just long enough for the issue to resurface the coming year, this has been a vicious cycle going on since XXXX.
|
| 10/20/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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While searching online to consolidate some loans I had, I came across information that said some of the loans I had were actually illegal in my state. I searched and researched some more, and found a non-profit that helped me to understand that the loans I had were void in my state of Virginia, and why. They also alerted me to the fact that under XXXX rules, I could request that my bank refund what I had paid to the lender of the void loans, because they were not valid and I never gave true authorization, because I did n't know the loans were void, and the companies neglected to tell me. I wrote a letter to my bank with all of my documentation on the fact that the loans were void, and also put in an affidavit through their system to get my payments returned to me. I was told that I had to submit their form, but I also went into a branch to and fax delivered my letter and accompanying documentation. XXXX the XXXX, I had spoken with a woman who said that even with the documentation, they could only get 60 days of payments returned if approved. I told her that I would still like to request the entire amount that I had paid, because I thought it was wrong for XXXX to offer loans that were void for me. She told me to fax the information ( letter and documentation XXXX to a number that would handle the request. I faxed the paperwork on XXXX XXXX. The day after I faxed the information, I went into a bank branch to close that particular account ( not changing anything about my other accounts ) and hand delivered the same paperwork and asked that it be submitted that way to be sure that my paperwork made it to whomever needed to see it to deal with my letter and request. At the branch, I spoke to XXXX XXXX, the XXXX office personal banker. She made a copy and assured me that it would get to the right place. Since then, I have heard nothing about my request. I thought I was supposed to have heard back from them by now, 15 days later or at least an acknowledgement of receiving my information and a time frame for response. I did not want to badger them, but I think I should have heard something by now or at least know that they are working on it or would get back to me in a particular time period. Hearing nothing makes me think that they may have misplaced my request, or that they can not follow XXXX guidelines which specifically reference online loans. I was also told, and put in my letter a reference to the Electronic Funds Transfer Act, which also allows for the return of payments on void loans.
|
| 03/25/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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Web |
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My home has been recommended for foreclosure and is scheduled to be sold at auction on XXXX XXXX. Throughout this process, I have been working with : XXXX XXXX XXXX Preservation Client RepresentativeNMLSR : XXXX last spoke with her on Monday, XXXX XXXX. I informed her that we had listed our home for a short sale and expected to have an offer shortly. I was calling her as a courtesy so that SunTrust would be prepared for our offer packet to arrive. At that time, she told me that an offer packet would be considered only if it was received before XXXX XXXX, 2015.
As of this afternoon, we now have the offer in hand and a compete package for submission to SunTrust. I called XXXX XXXX office to inform her of this fact and to enquire as to the reason that our attorney had been unable to receive a response from you. XXXX XXXX was not available to speak to me so I was connected with an alternate agent. After I informed this agent that we would be submitting an offer today, she told me that we could not submit an offer for review because we were less than 15 days from the auction date. When I pointed out that, as of my conversation with XXXX XXXX on XXXX XXXX, no 15 day requirement had ever been communicated to me, I was transferred to a XXXX agent. This XXXX agent told me that I can submit the offer packet but that SunTrust would not guarantee it would be reviewed or the auction cancelled as we were within the 15 day window of the auction.
We will be submitting the auction package to SunTrust today. I want to escalate this matter for your full consideration with regard to reviewing the packet and stopping the auction while approval of the short sale is pending. The offer packet is correct and complete. Additionally, the requirement for receipt at least 15 days has never been communicated to me, in spite of the fact that I have been communicative and responsive to XXXX XXXX information needs over that last eight months. More so, the letter from XXXX XXXX for the sale at auction ( XXXX XXXX XXXX XXXX ) did not mail us the notification that our home was scheduled for auction until XXXX XXXX. It was done via registered mail so you will have a record of when I received it. Regardless, it was revised less than 15 days before the XXXX XXXX date.
As we have a complete and correct offer in hand, the 15 day requirement was never communicated to us and the notice of the sale was received less than 15 days before the auction date, I respectfully request that SunTrust agree to review our offer package.
|
| 12/22/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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We are filing a complaint against SunTrust Mortgage Inc. which relates to our current Construction Loan. SunTrust is currently holding {$29000.00} of construction loan funds and is not responding to our numerous requests to move our loan to a permanent loan vehicle. The deadline for loan conversion was XXXX/XXXX/XXXX. Due to the persistent unresponsiveness of SunTrust representatives, we have been forced into a default situation, which has now been referred to counsel. Despite repeated attempts to contact SunTrust representatives, our attorney has been unable to even schedule a telephone meeting with anyone from SunTrust. At this point, we are likely incurring extra fees and interest charges. We would move our business elsewhere, but, due to a lien claim filed by our General Contractor, another institution can not process a new mortgage, which would convert the construction loan to permanent.
Background : On XXXX/XXXX/XXXX, my husband and I signed a contract to build a custom home with XXXX XXXX XXXX XXXX.
On XXXX/XXXX/XXXX, we closed on a Construction Loan with SunTrust.
We raised some significant design issues with the builder in XXXX XXXX. After repeated denials to resolve or discuss the issues, we engaged legal counsel for guidance. The Builder became irritated and began taking confrontational actions from this point.
The builder informed us in writing that he would not allow us to move into our home until we fired our counsel, despite the fact that the Builder dealt with us through counsel.
Our scheduled move in date was XXXX/XXXX/XXXX.
Per our contract, we are required to resolve disputes via XXXX.
After unexplained and possibly intentional delays caused by the builder, the Certificate of Occupancy for the home was finally received on XXXX/XXXX/XXXX.
The Builder requested a final inspection by SunTrust for the final draw.
The SunTrust Inspector found that there was no vanity/sink installed in the powder room and could not mark the home at 100 % complete in order to authorize release of the final payment.
On XXXX/XXXX/XXXX, a Loan Originator from SunTrust, XXXX XXXX, who had not previously been involved on this matter, called the Builder to advise him that we were intentionally withholding funds, which was a false statement.
The Builder sent us an email and promptly filed a lien on the property.
We received a filed Claim of Lien via certified mail on XXXX/XXXX/XXXX.
Due to the pending lien claim, SunTrust issued a " cease funding notice '' on XXXX/XXXX/XXXX.
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| 07/23/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Our mortgage was originally issued by XXXX XXXX starting in XX/XX/XXXX. Following a change in insurance providers in XX/XX/XXXX, we made a XXXX {$3000.00} payment to our escrow account that they incorrectly applied to our principle. We became aware of the issue in XX/XX/XXXX and called to get it corrected by XXXX. During that time in XX/XX/XXXX, XXXX sold our loan to SunTrust, and again did not get the escrow mistake fixed. In XXXX we received an escrow summary from SunTrust showing that we were still short. XXXX claimed they did not have any of the prior history on our account and said it was our problem to sort out. After many calls with both companies, XXXX got the escrow shortage corrected.
We then received three letters from SunTrust, all dated within three days of each other. The first letter notified us that the escrow mistake was corrected and apologized for the inconvenience. The second letter notified us that we missed our XX/XX/XXXX payment and were now in default, despite the fact that SunTrust did not have our account in XX/XX/XXXX and we have copies of the XX/XX/XXXX mortgage check that was cashed by XXXX. The letter mentioned that we have 35 days to get this resolved. The third letter was on mortgage assistance since we were now in default and in jeopardy of foreclosure.
The XX/XX/XXXX bill just showed up and now all the sudden shows we owe double our standard payment. All of our previous monthly mortgage bills from SunTrust showed we were current and our personal bank shows each check was cashed. When we called SunTrust to figure out what the issue was and where this shortage all the sudden came from, we were transferred around to multiple representatives but no one could explain what happened. Their customer service reps were severely lacking in information and were unable to troubleshoot or provide us any solid information regarding this matter. When asked to be transferred to a manager, they are never available and my wife and I have wasted multiple 45 min to one hour phone calls with no progress or explanation. We are still waiting on someone with SunTrust to pull all of the records, figure out were the sudden shortage came from, and call us back.
We have explained multiple times to SunTrust that we will gladly pay any real shortage we may owe, but given their previous issues with applying payments correctly and miscommunication with our previous mortgage lender, we first want an explanation as to where this issue came from to make sure its legitimate.
|
| 03/02/2016 |
Yes |
|
- Application, originator, mortgage broker
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|
Web |
|
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INTERNET MESSAGE RECEIVED BY THE ATTORNEY GENERAL 'S OFFICE ON XXXX/XXXX/XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXXXXXXXXXX RE : XXXX XXXX XXXX / Suntrust Bank XXXX XXXX XXXX XXXX, XXXX XXXX Phone : ( XXXX ) XXXX Website : XXXX Transaction Date : XXXX/XXXX/XXXX Amount Paid : XXXX Payment Method : Personal Check or Bank Debit Subject : Mortgage Fraud - XXXX XXXX XXXX XXXX Suntrust Bank We Own at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Week 9 Whole Interest - every year Purchased Timeshare {$10000.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX Mortgaged {$9800.00} XXXX/XXXX/XXXX book XXXX page XXXX instrument XXXX paid in full per XXXX XXXX records XXXX/XXXX/XXXX - have a payment history from them - showing final payment XXXX/XXXX/XXXX satisfaction of mortgage XXXX/XXXX/XXXX XXXX book XXXX page XXXX XXXX XXXX XXXX took out an assignment of mortgage with Suntrust Bank XXXX XXXX/XXXX/XXXX book XXXX page XXXX - In the legal description this is noted as XXXX XXXX Phase XXXX even though no phase XXXX units are included in the mortgage. It only includes the following phases : Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, Phase XXXX, and Phase XXXX.
Our unit was put up as collateral in file XXXX book XXXX page XXXX.
It was cited as having a mortgage on it, which according to their records was paid in full.
XXXX used our timeshare as collateral, which we never assigned them the right to borrow against our unit. It was dated XXXX/XXXX/XXXX, filed XXXX/XXXX/XXXX.
I received the satisfaction of mortgage after it was recorded 11 months after it was paid off. XXXX Book XXXX page XXXX, it was dated XXXX/XXXX/XXXX which was 2 days after they used it to get a mortgage on it.
Their records show it was paid off XXXX/XXXX/XXXX. per the pdf payment history I received from them.
The timeshare interest is in both my name and my husbands name, XXXX XXXX and XXXX XXXX XXXX. When they mortgaged it - they only used his name not mine as well.
They did not use his legal name as mortgagor, it just said XXXX XXXX.
They were never given permission to use it as collateral. They had tried to get us to sign some stamp which stated we were giving them the ability to use our unit to mortgage against, but we refused to sign it. I am a real estate broker in Michigan. I feel that they committed mortgage fraud with our unit.
I would like to know if this is enough to make a case against them.
|
| 01/19/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
My name is XXXX XXXX XXXX, I am a XXXX year old XXXX citizen ( registered XXXX ).
I have had two accounts with the Suntrust bank for many years which I used whilst travelling previously within the US, without any problems. I received my last true statement at the end of XX/XX/2019, both my accounts where at this stage fine, however at the beginning of XXXX I received my first account closure notice from Suntrust bank to say they were closing one of my accounts, which at the time was in credit with a balance of {$5900.00}. I have an assistant Mrs XXXX XXXX who helps with correspondence etc, ( due to my XXXX ) and she began the process of contacting Suntrust to determine what had happened to this account which was now showing a XXXX balance.XXXX tried phoning several numbers shown on the bank statement without success, she was never able to get an answer, eventually she did correspond with Suntrusts on line customer chat service, she was told after investigation that it appeared that this account had been passed to abandoned accounts, a department which freezes accounts for several reasons, one being inactivity for more than 3 years. It is true that my accounts have been inactive for several years due to that fact I have not traveled to the US since going XXXX.
XXXX was given several numbers to call to speak to someone to resolve this issue but to no avail as she was put on hold and after a short period of waiting in the queue when no-one answers the line goes dead.
This happened so many times, then in XX/XX/2019 I received another letter to say my second account with a balance of {$3700.00}, had also been closed, so the statement now shows I have XXXX balance on both accounts. XXXX by this time had written to Suntrust bank to explain the situation and had sent the letter by international tracked postage which was signed for on delivery, this letter requested that the bank contact either myself or XXXX to resolve the problem of the missing balances. This letter contained my e-mail address and phone number and XXXX XXXX email address and phone number. The bank has failed to respond to either of us. As you can appreciated this situation has been extremely distressing as we are in the XXXX. Following correspondence with the CFPB has been the only positive thing to happen as your response was immediate and following a call made by XXXX to the complaints department I feel we are getting somewhere at last. Suntrust 's lack of help I have found quite shocking.
|
| 11/17/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX the XXXX of 2016 I made a purchase at a store in the amount of {$130.00} for the remainder of that day I did n't make any additional purchases. I was contacted by Suntrust bank later that evening because a fraud alert had been issued on my account. I spoke with a representative from the fraud department and it was discovered that XXXX was charged on my debit card. I realized that I had lost my debit card and it was found and then used without my authorization or consent. Suntrust issued a provisional credit but later determined that no error occurred and reverse the decision along with XXXX of NSF to my account. I sent an affidavit of fraud disputing the charges. They then sent me an additional form asking me to provide more information why they should look further into this matter. I sent them a detailed explanation that I did not make the charges. I went on further to ask them to look at my previous spending trends as well as the areas in which I normally make purchases. The purchases that were made were in stores that I had never previous shopped nor was it in the area in which I live and normally make purchases. I suggested that they further investigate by checking surveillance and matching the time of purchases to see if I actually made the purchases. I also asked them to compare signatures with my own signatures on receipts as well as the fact that on most occasions I use my pin number to make purchases and they individual/individuals had to use a credit in order to make purchases which is n't consistent with the way I normally handle transactions. I also suggested if they were to locate the individual/individuals who make the said purchases they could not affiliate them with me in any way. After all of the information that I gave them to further investigate they still refused to reverse the charges and credit the amount back to my account. As a consumer I feel that my rights have been violated and I have unfairly been a victimized and the bank has violated my rights under the Reg E electronic funds transfer act. I am reaching out to your organization to help me resolve this matter as soon as possible. I am sure millions of other consumers have experience this in regards to banking institutions and it causes extreme stress and anxiety when you have been a victim and feel you have no rights or protections against others who set out to commit fraudulent activities due to lost or stolen debit cards. Please assist in the matter if you can. Thanks
|
| 09/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
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I contacted SunTrust Mortgage about paying off my house on XXXX/XXXX/16. I spoke to XXXX and was told I would need to stop automatic payments from my checking account.. I asked her to please do so and she said it was taken care of. She then told me to write a check for the full amount of {$1300.00} and if I wanted to, add a bit more to cover interest for the few days it would take for the check to arrive at SunTrust. She instructed me to include my name and account number. I followed these instructions and sent in my check and paperwork the next day.
When I did n't hear from them by XXXX, I called and spoke to XXXX and she told me they had closed the account the previous day. That they were sending my escrow plus over a thousand dollars in addition to that. I questioned why I would be getting over a thousand back and she said that they had taken a regular house payment out through automatic payment at my bank that very day. The day AFTER they had closed my account.
I told her that XXXX had said that automatic payment had been cancelled on XXXX XXXX. She said that apparently it had n't been done. I asked that the money be placed back into my account as it caused me to be unable to pay some of my other bills to have that money gone. She said her supervisor XXXX XXXX wanted me to send a copy of my bank statement to prove that they had withdrawn the money. Although they just told me they had done so, they now wanted me to prove it. I sent a picture to XXXX showing that page of my bank account. I received a message from XXXX the next day saying that XXXX now wanted a hard copy of that statement and that XXXX would call me later that day to take care of my account. That was XXXX and I 've not heard from them since.
Today, XXXX, I have called twice and requested to talk to XXXX and been told she will call me back. That was 3 hours ago.
I told them the first day when they said they took the extra payment that it would cause me hardship paying my bills and that I would hold them accountable for any fines or charges I received as a result of their mistake. I was told that they were going to mail me that check and the escrow money within 15 days. Rather than credit it back into my account that day as I requested. I feel like I am getting the run around and that I am being penalized for their employees error. I know we all make mistakes, not a big deal. But their failure to rectify this in a timely manner is why I am contacting you. Can you please help me?
|
| 12/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
One night around XXXX XXXX as I was working with my computer, suddenly the screen turned dark, and there was an 800-toll-free # appeared on the screen saying my computer has been infected by viruses that I should contact them. I asked myself why and how did they know that? In the middle of the night all stores were closed. So I called the 1-800-toll-free #. The individual who answered the phone told me that the only way he could help me was to sign a 2-year contract with them. I replied why 2 years. The person kept insisting so I ended up signing a contract with this company named " XXXX XXXX XXXX '' whose number was or is XXXX.
Everything was going well until on XX/XX/2019 in the evening I received a phone call from XXXX XXXX assisted by XXXX XXXX and two other individuals whose last names I did not have a chance to get. But their first names are XXXX, and XXXX.
XXXX XXXX told me as well as his assistant hackers that the company has changed name. It is now called " XXXX XXXX XXXX ''. They were currently working for XXXX XXXX and they needed to work on XXXX XXXX on my computer. Plus they told me since the old company was no longer in existence they owed me some money since the contract has not expired yet. I told them to send me a check. They told me it was easier to do it online. So they made me filled out a form online where I inserted my bank name Suntrust while they said they were working on XXXX XXXX on my computer. As they pretended working, they deposited within 4-5 consecutive days enormous faked amounts of money. In the next day they called me and asked me how much money I had in the bank before they had started working on my computer. I bluntly told them {$1600.00} both checking and savings combined. And that was what I had. With my {$1600.00} plus the large sum of money they put there I told them I don't understand what they were doing. I was scared of keeping people 's money in from which I had no authorization. The hackers told me to go to XXXX store buy {$1500.00} gift cards and {$1400.00} at XXXX Store. I told them that I didn't want any trouble I went and bought those gift cards and sent the numbers online to them. I was hoping they would at least leave me with my {$1600.00} the next thing I know they wiped out both accounts with their faked checks and run away. They even used a faked United States Treasury check to carry their criminal activities. Plus they overdrew {$1400.00} which the Suntrust bank asked me to pay back.
|
| 04/10/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I withdrew {$4500.00} cash from my checking acct. two hours later I get a call from the bank teller asking me if I have the withdrawl firm that I signed in front of the teller to withdraw the money. I answered no and laughed. The next morning I checked my acct. online. My {$4500.00}. withdrawl was debited from my acct. the withdrawl slip was copied into the summary. It was the one signed by me. In addition there was a XXXX withdrawl made on my acct. for an additional {$4500.00} dollars, with a withdrawl slip signed by the teller. An additional {$4500.00}. was debited to my acct. giving me a negative balance. The late fees and charges started almost immediately. The next morning I was at the bank when they opened the doors. I asked to speak with the mgr. I was asked to have a seat as the mgr. called the teller supervisor to talk with me about " the incident '', so they were obviously aware that something had happened with my acct. I was told that the teller shredded my withdrawl slip, this was not true, there is a scanned copy in my online acct. The teller then made up a XXXX slip and signed it, then debited my acct a XXXX time. The Mgr and the Supervisor both admitted knowing this but did nothing about the additional money being taken out of my acct. I asked if being off balance by {$4500.00} at the end of the day was just normal practice and was greeted by blank stares. They agreed to put the {$4500.00} back into my acct and would cover all fees charged to me by their bank but could do nothing about fees charged me by the " other end '' ie all the bounced checks they were responsible for causing. About {$240.00} was credited back to my acct by the bank. I have to say that once I showed them what they had done, they offered no apologies or even a good excuse. Neither the Mgr. Or Teller Supervisor would admit any responsibility and treated me like I was robbing the bank.
I just received a returned payment charge this morning caused by this incident. I am going back to the bank this morning to discuss this. This has caused me a great deal of stress and inconvenience and now I 'm sure my credit worthiness is being affected. I am purely a victim if either incompetence, ignorance or maybe even criminal activity, and at very least my credit standing has been damaged. When I asked the Mgr if there was anyone above her that I could talk with she ignored me. She did not tell me bye, she did not apologize, she refused to even make eye contact ... ...
|
| 02/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XX/XX/XXXX Re : Complaint against Sun Trust Previously I already reported three times regarding Sun Trust bank repeatedly deduct {$20.00} from my personal checking account ending in XXXX in XXXX, XXXX, XX/XX/XXXX. Now I experienced another {$20.00} deduction on XX/XX/XXXX for the same account. The previous CFPB Complaint number were XXXX and XXXX. Per the attached response letter from Sun Trust bank, the executive team staff named XXXX XXXX stated that " the fee that was assessed on XX/XX/XXXX was refunded on XX/XX/XXXX. The accounts are now properly linked. It may take a complete billing cycle for the change to take effect. In the event a fee is assessed for the month of XXXX, it will be refunded ''. As I already complained this bank that all accounts were linked together from XX/XX/XXXX. Each month all my accounts met minimum balance requirements to waive monthly service fee. In my previous Complaint I have attached Sun Trust consumer fee schedule showing my account ending in XXXX not only linked with business account but also linked with savings account with balance at least {$10000.00}. Therefore all my accounts were never charged fee before XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX It was intentional stealing money caused this problem.
I still insist ask this bank to pay insufficient new accounts bonus {$500.00} as attached. Per the promotion bonus offer, I have completed 10 debit purchase and {$500.00} direct deposit. It was different kind of promotion offer from Sun Trust. However Sun Trust repeatedly confuse two different promotion offer.
The third issue was regarding deny Master card holder benefits. Several claims have been denied due to satisfaction guaranteed and purchase assurance claims in the amount of {$3.00}.
The fourth issue is for unpaid compensation for repeated account damages from XX/XX/XXXX to today. This bank caused this problem, this bank must pay my damages such as my time to prepare Complaint 4 times. My personal time is very valuable {$300.00} per hour. It takes me 5 months to suffer anger, irritation, anxiety, pain, distress as personal injury caused by Sun Trust. Per my previous Complaint I also complained repeated harassment and invade of my privacy such as release my banking information to unknown parties. Because of the extremely unstable and theft banking experience, Reopen new accounts will bring me all kinds of inconvenience. I am asking compensation of damages {$25000.00} for hurting my credit.
|
| 09/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
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Hello, I am frequently overseas and use ATMs to withdraw from my US accounts. I monitor sites such as XXXX to find out the going rates and I have often called or written customer service to find out the exact rates being used to convert dollars to euros, for example. Customer service personnel are vague -- they tell me that the bank charges a {$5.00} processing fee and can charge up to XXXX percent more than the going rate, but they wo n't tell me what the rate is. If I press hard on the issue, they invariably send me to the XXXX Global Currency Conversion site XXXX -- which is the PREVIOUS business day 's highest rate, not that day 's rate, and includes this mind-boggling disclaimer : " Please note that due to possible rounding differences, the displayed rates may not precisely reflect the actual rate applied to the transaction amount when converting to the cardholder billing amount. The exchange rate that is applied to a transaction is the exchange rate as of the day of settlement which is the day that XXXX determines the settlement amount to be exchanged between the acquirer and the issuer. The settlement date is therefore typically different from the date of the actual transaction. '' So Number ONE : Can a consumer find out the ACTUAL RATE used for that day?
Number TWO : Can banks actually post the rate they are using on their site and quit cloaking the matter?
Number THREE : When I look at my withdrawals using the MC Global Conversion rates for that day or the previous, they still do n't add up correctly. It appears that my bank at least is adding XXXX percent or XXXX percent on to the fee -- in additon to charging their {$5.00} withdrawal fee. Maybe it 's {$4.00} more, maybe {$7.00}, but it never adds up correctly -- and they 're already ripping me off with a bad exchange rate and ATM fees at both ends. ( I have a letter in with my bank now and if they do not answer to my satisfaction, I will file another complaint with details. ) The total effect for consumers such as me is that we 're being forced to buy something without being able to see the price tag -- and the ATM never shows what is going to be withdrawn from my account if conducted in that country 's currency, which is cheaper than converting to dollars at the ATM.
I find this cryptic, non-transparent behavior regarding access correct foreign exchange frustrating and simply wrong. This is a general complaint -- because ALL the banks I 've used shield the information.
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| 03/18/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I am thoroughly concerned about the bank hacking my account in XXXX I was recovering from a XXXX I was so stressed that I did travel however the bank statement that I have when I went into the local bank that I felt and I know stole my money I actually attempted deposit Monies into a account which was mine checking it was not put into the savings but it was put into the checking 's account meaning that they did not move the money from one account to the next unbenounced to me when I did call to complain about it the bank manager quit the teller that was working there was no longer working there however I 'm clearly concerned about transaction date dated XXXX XXXX XXXX the amount of {$4600.00} was the depth it {$17.00} the confuse part about this is that some of the dates that 's up top on my transaction history are mixed up to confuse me on reading the dates however this particular date shows a balance of {$460.00} XXXX that 's the same amount that was available before the {$17.00} was taking out however the date XXXX. XXXX the amount that I just quoted of {$4600.00} is still the same amount from the previous balance and it 's not showing of deduction of XXXX. XXXX I also have several different transactions dated XXXX XXXX XXXX and to the right of that the date is dated XXXX XXXX XXXX check card purchase a {$15.00} running balance XXXX dollars in {$XXXX}. The next date is XXXX. XXXX XXXX dollars my account balance at that time was XXXX dollars in XXXX {$1100.00} was tooken from that on XXXX XXXX XXXX I had a balance of {$2100.00} XXXX and {$22.00} was taken from that I also have a transaction from XXXX XXXX XXXX my balance was {$2100.00} {$38.00} was taken from that the next date is it 's a lot going on with this account that I have that was printed out from the bank and give it to me however the dates are so mixed up but when I do my calculations I do n't understand it for instance XXXX XXXX XXXX from XXXX XXXX XXXX debit ATM balance inquiry {$XXXX} XXXX {$100.00} XXXX XXXX XXXX through XXXX XXXX XXXX debit a deduction of {$2.00} and my balance was {$2100.00} after that I have a debit date for XXXX XXXX XXXX XXXX XXXX with the serial number it does n't show where it was located but it just has a serial number XXXX XXXX you see XXXX XXXX the duction {$200.00} balance XXXX and {$6.00} this is very confusing and if the bank does not cooperate I would like to lunch this into another next station and I would n't like to make a dispute
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| 04/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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I am filing this complaint with the CFPB out of frustration with my lender SunTrust mortgage who is unfairly denying me access to additional modification options after I have proven my eligibility to receive the help. I have resided in the XXXX XXXX area for 10 years and purchase my home XX/XX/XXXX. I have been the primary owner since XX/XX/XXXX and enjoy very much living here. My situation and hardship began after the recession hit that made it difficult to make my monthly mortgage payment because of the shortage of clients and a decline in business. I contacted SunTrust my lender for some modification assistance and was granted a modification program that was a much needed respite from the payment difficulty I was experiencing. Extremely grateful for the assistance I made the payments without fail for 2 years until I received word my mother who resides in XXXX was in a XXXX and because of her financial situation needed my support to cover medical bills and prescriptions necessary for her recovery. Due to this incident I fell behind on the modification payments in XX/XX/XXXX and missed only XXXX maybe XXXX payments. I contacted SunTrust again to see if there was some way to reinstate the previous modification or get access to some other modification arrangements but after SunTrust completed a review for the additional aid SunTrust deemed I could not afford my home. This was grossly inaccurate because I only missed XXXX maybe XXXX months of payments, was still gainfully employed and now back on my feet from the financial set back I experienced and was doing everything to get back in the good graces with SunTrust to regain my mortgage credibility. In addition to that based on my current income and the fact that I am not that far behind on my payments I am certain I fit the criteria for the additional assistance and need SunTrust to perform a more in depth review of my qualifications that will prove I am eligible to receive the aid. I believe this situation can be remedied if SunTrust would open the door to a proper review and consider other payment options for the arrears like putting the late payments at the rear of the loan or increasing the term of the loan granting me the payment cushion I need to get back on track with my mortgage. I am more than willing to work with SunTrust, will comply with any and all request but am having a seriously difficult time persuading SunTrust to offer a reasonable solution to this dilemma.
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| 11/26/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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This summer I order my wedding dress, customized. What I received was not even a dress. I disputed with merchant, shipped material back. Merchant refused refund and offered my XXXX % discount on next purchase instead, I refused. I filed complaint with Suntrust on XXXX/XXXX/2015. Suntrust gave temporary credit on XXXX/XXXX/2015. I was advised I would receive correspondence if they needed info and case would close in 60 days and the credit would be authorized if they found on my behalf and if not, I would be notified first. I never heard anything else from Suntrust. I tried several times to check status online but system was down for a long time. Suntrust emails me when anything goes on, so since I received no emails- I figured we were good. 60 days passed ... XX/XX/XXXX. I assumed as I had been told that the credit was no longer " provisional ''. Suntrust waited until 2 days before XXXX to do the reversal, wiping my account clean so I could not buy XXXX dinner- WITH NO NOTICE OR CONTACT. Then I encountered several NSF fees. They claim the reason for the reversal was because the merchant claimed to offer a full refund and I refused. That makes no sense. Had they offered, I would have accepted! They offered only discounts for future purchases. But, Suntrust- instead of contacting me and asking for email correspondence ( which I have still ) or photos of my wedding to prove I did not wear their product ( which I also have ) or proof the full refund was never offered ( again, email chain ) ... Suntrust wiped out my bank account after the 60 day period and raked up NSF charges galore and kept my direct deposit from my payroll check. So, here my family and I will sit on XXXX eating cereal or sandwiches ( because my bank account is in the negative and we could not buy things for a XXXX meal ). I have made several attempts with Suntrust agents to get them to understand that I did not overdraw my account. That I received no correspondence. I have all my emails from Suntrust. The last thing I received from their claims department was the claim form.
I would highly advise anyone searching for a bank, to not go to Suntrust. After this experience, I will be changing banks asap. They care nothing about their customers. The fact that they waited until two days before XXXX ( past the 60 day time frame ) when I had several pending transactions ( which resulted in NSFs ) to reverse a valid claim ... tells me just how much they DO N'T care.
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| 01/31/2017 |
Yes |
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- Customer service / Customer relations
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Web |
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My account was declined when trying to use the XXXX website for a purchase around {$400.00}. I called SunTrust and was told that nothing was wrong. I called XXXX and they said they could n't see the issue with my card, so I called SunTrust back. SunTrust claims it was an issue with their fraud department having the wrong zip on file. I attempted the transaction again and it failed. I was told by SunTrust that there was a high level of fraud with XXXX, so I needed to go to the branch. I attempted the transaction again in the morning twice and had problems, so I went into the branch. The woman at the branch got on the phone with corporate and asked if I could go outside and make a transaction at the local gas station to see if this would work. I balked because I had told her that I had just attempted a purchase of a bottle of water for {$2.00} and was declined, but she insisted that I try while on the phone with corporate. I did and was embarrassingly declined. It took roughly 50 minutes of back and forth with the customer care rep and the supervisor, then I was told to try a transaction again as they had fixed it. Declined again, which was embarrassing because this was near my office. Went home, called someone else, was told there was nothing wrong. Tried the online transaction again. Failed again. Called again, was put on hold and finally got a supervisor who said that this is because of old XXXX transactions that had been declined back when I had a similar issue. I just tried again and it was declined again, and there is more than enough money on the card for this.
My reason for bringing the concern this far is that I am greatly concerned to have my finances ( checking, savings, credit card, 401k ) handled by an institution that seems to be completely clueless as to how to handle finances. From the numerous different reasons ( zip in fraud did not match what I have, nothing is wrong, old XXXX issues, XXXX fraud ), to the poor customer service ( over two hours on the phone, and twenty minutes at the bank ), with no resolution, I feel scared of an incompetent agency handling my money. Most importantly, I left work to talk to someone at the branch. That is time I need to make up. Lastly, I am concerned that they more than once told me to try to fix the issue while they were on the phone by swiping my card to see if it works. Not only do I find that unsafe, it shows that they ca n't find better ways to problem solve.
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| 01/12/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX received a letter from XXXX XXXX XXXX XXXX PA. XXXX XXXX office address is XXXX XXXX XXXX XXXX XXXX Fl XXXX. Office number is XXXX his email is XXXXXXXXXXXX. That Suntrust bank has put my account in collections.No Demand letter or Notice. He is a debt collector law firm. SunTrust Bank Acc # XXXX. My XXXX XXXX SunTrust Equity Line. XXXX XXXX XXXX XXXX & SunTrust Bank have n't sent me anymore Statement since XX/XX/XXXX. On XX/XX/XXXX sent By USPS Mail sent to XXXX XXXX Debt Collector to XXXX XXXX XXXX XXXX XXXX Fl XXXX. Client SunTrust Bank Acc # XXXX last 4 digits To XXXX XXXX & XXXX. Wrote them that I am a federal office on file in the state of XXXX XXXX ( 9 ). XXXX XXXX XXXX is my boss Commissioner in XXXX Fl. State lic # JF XXXX. Gave him all the contact of my Business attorney XXXX XXXX licence in debt in XXXX XXXX address XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX & his office phone number. All Contact goes to him. In XXXX XXXX put my home at XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Office # XXXX for sale. Had a buyer all he has sent is Pay-Off receipt on XX/XX/XXXX from XXXX XXXX XXXX email of {>= $1,000,000}. I need SunTrust Equity line Statements for my CPA to file federal income tax to IRS for year XXXX and how much interest I paid in year XXXX. My First Mortgage XXXX Mortgage Loan # XXXX has sent one every month. Cant sell my home or do my tax 's without those Statements of XXXX to XX/XX/XXXX & XX/XX/XXXX. How much Interest I paid. I file early so I know how much I have to pay in XX/XX/XXXX. I am a Small Business Owner Company Name is XXXX XXXX XXXX. Please help me get these statements so I can sell my home & can give my paper work to my XXXX XXXX. Do n't want to get in trouble with IRS. I need to have this Equity Line Statements XX/XX/XXXX & XX/XX/XXXX to give my paperwork to my XXXX & XXXX. My XXXX XXXX has a lot of clients & run a bar in XXXX XXXX Fl. I will lose the buyer soon if I do n't get proof of SunTrust Equity Line Statement the one from Suntrust Bank to see if the amount of pay-off is right the one is XX/XX/XXXX amount is different {$24000.00}. Made my last payment in XX/XX/XXXX. Working 2 jobs now had XXXX XXXX in year XXXX. That is why I got behind in my payments. Have medical documents & paperwork to prove this mess. Please HELP me with this Debt Collector Atty. I shouldnt have to ask several times & send his emails and call my attorneys office. Sincerely : XXXX XXXX XXXX XXXX # XXXX
|
| 11/12/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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XXXX offered to refund my shipping fee purchasing a textbook online, XXXX XXXX, if I joined their free membership and entered the tracking number upon receiving the book. Book was delivered over a week later and I went to enter the tracking number but saw I had to pay a monthly fee to qualify for refund. I did not subscribe and absorbed the fee. But there were two charges from XXXX on my Sun Trust credit card statement ( XXXX XXXX XX/XX/XXXX ) a {$2.00} on XXXX XXXX posted XXXX XXXX and {$13.00} on XXXX XXXX posted XXXX XXXX.
I told Sun Trust credit card XXXX XXXX, when I received XXXX statement, what had happened and disputed the charges. Sun Trust FRAUD ASSISTANCE CENTER emailed me XXXX XXXX denying my dispute because I had not canceled membership within the agreed time frame per terms and conditions, and I was responsible for the transactions and any applicable fees/ finance charges. Email is attached.
I called on XXXX XXXX at XXXX XXXX, XXXX said Sun Trust credit card had denied the dispute because the cancellation was after transaction was processed, 24 hours after charges were filed. I said the transaction was for a book that I did receive, I had disputed the unauthorized charges from XXXX, not the book seller.
I called again on XXXX XXXX at XXXX XXXX XXXX XXXX said they denied my case # XXXX on XXXX XXXX, because I had not canceled within the agreed time frame. I said I had to wait for book to arrive, more than a week after the date of transaction, to send its tracking number to freeshipping.com, and disputed unauthorized charges of XXXX, based on misleading advertisement. What had the FRAUD ASSICTANCE CENTER investigated? XXXX said she was going to file escalation to re-investigate and investigators would contact me for detail information in 3 business days. I asked why they had not asked before, how they concluded without hearing the customers side. I was filing a complaint against Sun Trust with the FTC.
I called again at XXXX XXXX to clarify whose time frame the investigators had based their decision on. XXXX said it was Sun Trust time frame, and time frame was 3 days before charge went through. I asked how in the world can a customer dispute a charge 3 days before it happens? Who had accesses to that part of agreement? She did not know.
While It is hard to say who is a bigger scammer XXXX or Sun Trust? It is obvious Sun Trust relies on its legal department to take advantage of consumers.
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| 01/25/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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credit report pulled for initial process for mortgage loan. Loan was approved for the amount {$300000.00}.
1. XX/XX/XXXX : received E-Document with two separate disclosures. The first disclosure was listed as the " initial '' disclosure with the second disclosure noting the rate locked at 4.6 % with closing date set forXX/XX/XXXX.
With closing date set forXX/XX/XXXX and move in date of XX/XX/XXXX, we were then able to schedule a date for vacating rental property, moving company, transfer of utilities, postal service, etc.
2. As credit report would have been expiring before closing, a new credit report had to be pulled. I received word via email on XX/XX/XXXX that the rate had increased to 5.1 % which would note a {$74.00} increase in monthly payment. I agreed to the increased rate that same day. No disclosure was received that day.
3. On XX/XX/XXXX, I received email from Suntrust stating that my file was cleared to close with a closing date of XX/XX/XXXX.
4. It was not until XX/XX/XXXX @ XXXX that a second disclosure was received indicating that the rate was increased and the date for closing remained XX/XX/XXXX.
5. It was not until 4 hours later that I learned that the closing date had been changed to XX/XX/XXXX. The notice for the change in closing date did not come from SunTrust but came from my realtor. I still have yet to receive any official change for closing from SunTrust.
I am a XXXX XXXX and have to really manage schedule tightly and can not cancel patients at the last minute. My wife is a XXXX XXXX and can not take off from work without at least 2 weeks notice. We work late hours and can not accommodate standard business hours. The previously scheduled closing date was done far enough in advance to adjust our schedules to accommodate others. Now, we have unnecessary fees and expenses as we now have to reschedule all of the previously scheduled transfers, movers, etc. I now have to urgently cancel patients from my schedule on XX/XX/XXXX in an effort to be moved out of the rental property by XX/XX/XXXX Additionally, the lack of organization and negligence in which SunTrust has handled this mortgage has added unnecessary stress.
Not only has SunTrust 's negligence added financial and emotional stress, this amount of stress exacerbates my spouse 's underlying medical condition which could possibly result in loss of employment and unnecessary medical expenses due to physical decompensation.
|
| 04/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
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Web |
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Attached you will find pdf copies of 3 loan disclosures : 1. Issued on XX/XX/XXXX ( Loan Estimate Redisclosure Package ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX 2. The next disclosure I got was on XX/XX/XXXX ( Initial Closing Disclosure ) It states my loan amount as XXXX and Interest Rate of 4.25 % Under projected payment, it listed my mortgage insurance from Year 1-7 as $ XXXX/Month and Estimated total Monthly Payment as XXXX Between XX/XX/XXXX and XX/XX/XXXX, I did not receive any other update on my loan estimates My closing was on XX/XX/XXXX and I was being told 6 days before the closing that my mortgage payment has increased by XXXX $ /month I escalated the issue to the loan officer and they informed me that it was a mistake on their part. I lodged a formal complaint about why I am informed of this change 6 days before the closing date and this feels like a being held hostage and leaving me no option but to comply and pay this extra amount for the next 7 years. Over a period of 7 years, this is an extra {$7000.00} that I am being penalized for 3.
I lodged a formal complaint and then 3. On XX/XX/XXXX I received another disclosure which made the mortgage insurance again XXXX. I assumed that they have corrected the issue and so I went for the closure At the title company, there was no representative from the bank and the title company documents showed the mortgage insurance back to XXXX/month. At that time the only option I had was to either not sign the documents and lose the house ( at this time I had already given notice to my apartment company that I would be vacating my apartment by XX/XX/XXXX, so not getting the house would have put me on the streets ) All of this experience left a really bad experience about Suntrust in particular and banking in general. As per the fair lending act, the lender should disclose all payments correctly and not throw any surprises at the 11th hour. On top of that when they admitted a mistake they tried to hide it by sending me a 3rd disclosure informing everything has been corrected. Now someone can say XXXX $ is only 2.67 % of the monthly payment and I can always pay another 10 % in principal and stop the mortgage payment. To that I would like to counter where do we draw the line and stick to the principles of it?
|
| 01/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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My wife and I are hurricane Florence evacuees. Our only residence sustained significant damage from Florence, over {$350000.00} in damages. We are currently renting a house until repairs can be completed. These are stressful times. All our damage is wind related and our wind policy is with XXXX XXXX XXXX XXXX XXXX but is handled by our homeowners insurance, XXXX. At this time, the insurance companies are not our main problem. Our problem is with our Bank/Mortgage Company, SunTrust, not releasing the insurance checks to us the homeowners so we can pay our contractors in a timely manner. The insurance checks have to be co-signed and released by SunTrust. When SunTrust Bank receives the check from the insurance company that is endorsed by homeowners, SunTrust places the check in escrow until certain criteria is met. This is where the problem exist. My wife and I provided all the required documents to SunTrust from XX/XX/XXXX to XX/XX/XXXX. SunTrust received an endorsed check for {$28000.00} on XX/XX/XXXX. Beginning XX/XX/XXXX, I began calling SunTrust and asking for updates. This is a list of events that occurred over the next 11 days that prevented SunTrust from releasing checks : 1. The disaster date on the claim was different from SunTrust date. SunTrust had the incorrect date and as of XX/XX/XXXX, has not been corrected.
2. SunTrust Rep was working off a dated adjuster worksheet. I immediately emailed the updated worksheet that clearly matched the check amount.
3. SunTrust rep was working off a dated adjuster worksheet again. I resent the updated worksheet again that cleared the discrepancy.
4. I managed a 3 way phone call between XXXX Rep, SunTrust Rep, and myself to eliminate any other concerns. At the end of the conversation, It as my belief that the check would be released in a day or two. Did not happen.
5. Called on XX/XX/XXXX and talked to XXXX, SunTrust Rep. XXXX was very professional and we went through information item by item. XXXX stated that SunTrust did not have one contractor 's estimate signed by all parties, Contractor, my wife, and myself. This document was uploaded via SunTrust website on XX/XX/XXXX. I sent this document again on the evening of XX/XX/XXXX. XXXX also said that the date issue had not been corrected, but while we were talking, XXXX corrected the date issue, I hope.
Policy Claim Number : XXXX SunTrust Tracking Number : XXXX Regards, XXXX and XXXX XXXX XXXX XXXX
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| 05/18/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
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|
Web |
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To Whom It May Concern ; I am a Veteran of the XXXX XXXX XXXX, my rank was XXXX XXXX and I served in the XXXX as a XXXX XXXX ( XXXX ) for 27 years. On XX/XX/XXXX, I sent a wire transfer to the Suntrust Bank, XXXX XXXX XXXX, XXXX, XXXX. Bank Code XXXX. Receiving Customer was " XXXX XXXX XXXX '' Bank Account # XXXX. Address ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MD, XXXX. The Amount Transferred was {$6500.00} USD and this wire transfer was cancelled. I contacted the XXXXXXXX XXXX XXXX people and they said they do n't know what I am talking about as the do n't own an account there with that account number. I contacted the Suntrust Bank and they said they see where the money was transferred and they have the wire transfer cancellation but ca n't return the funds as the person to whom the account belongs needs to transfer this money back to me. I have contacted the bank on many occasions but to no avail. They had me sent all of my documents to the legal department somewhere in Florida and to date I have heard nothing. I was told I would have the {$6500.00} USD back in my account within 5 working days and I am at my wits end trying to get this money back. As this one was cancelled and thinking it was coming back I sent the second {$6500.00} USD on XX/XX/XXXX to this account thinking I was paying for Gold but I am a victim of Fraud. I had someone in XXXX go talk to the people there that apparently owns this fake account in the XXXX XXXX XXXX 's name and they are refusing to give my funds back as I have received nothing. This now is a total of {$13000.00} USD that I am out and {$6500.00} USD actually had a cancellation of the wire transfer completed and still no money. I am a XXXX XXXX XXXX XXXX with 27 years of service to my XXXX and I am on a small pension. I am hoping you are able to retrieve my money for me as I was a victim of fraud. The Suntrust bank was of no help to me and I am now totally frustrated with them as they had the paper work to return funds and yet could n't return the money I was owed. I am hoping you are able to help me with this matter and return my hard earned mooney to me as soon as possible. If it were {$50.00} I would write it off but it is a substantial amount of money and I need it back as soon as possible as I did not receive anything for what I sent the money for. My email address etc is as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ON, XXXX XXXX XXXX XXXX XXXXXXXXXXXX
|
| 09/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been struggling to make my mortgage payments of {$2400.00} per month. I have consistently been late, however, I have consistently made them. I am currently only 45 days late XXXX XXXX & XXXX XXXX and I am prepared to make the XXXX payment, which will make me only 15 days late. I am currently paying 7.5 % interest. Suntrust is my loan servicer and XXXX Bank is apparently my loan investor. I have filed all of the mortgage modification paperwork necessary. I would consider any option which would allow me to keep my home ; however, modification of my interest rate was really what I would prefer. I got a call yesterday, from Suntrust, informing me that they would not modify my loan. The only option they gave me was a short sale they did not offer me any other options.
Unfortunately, because I have liens ( which I am servicing ) on my property, I can not sell the home. Also, because my mortgage payment just want from interest to interest and principal, I am unable to rent my home. Finally, I can not refinance because my credit is so bad. I want to keep my home ; however, I can not continue to make payments at 7.5 % leaving me only XXXX option, which is to fall into foreclosure. If Suntrust and the investor would lower my interest to a reasonable rate I would be able to make my payments in a timely fashion and avoid the monthly penalties and fees that I am being charged ( currently approximately {$7000.00}. ) Additionally, and as a second complaint, Suntrust has repeatedly harassed me by phone. I notified them in writing to not contact me any further. After written notification not to contact me by phone, they continued to call me repeatedly. In fact, they sent someone to my home XXXX evening who left a note on my door telling me to contact Suntrust about my mortgage payment. ( see attached letter XXXX If Suntrust files for foreclosure, I have every intention to countersue them XXXX and XXXX Bank, the investor ) for violation of state and federal law related to their repeated harassment.
I need help ... .I can make the payments however as long as the interest rate is 7.5 % I will continue to fall behind, continue to incur ridiculous penalties and fees, and will fall into foreclosure.
I am simply asking Suntrust and the investor to lower my interest rate. I have filed all the mortgage modification paperwork and the only option they gave me as to short sell the home. No other options were given.
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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|
I opened 2 business accounts in XX/XX/XXXX at SunTrust. While in the process of transferring money from my previous bank, I tried to access my account online but was unable to. I contacted XXXX XXXX, Branch Manager in person, and he pulled up my account and stated that my account had been CLOSED but could not provide a reason. He told me that I should not attempt to try any transactions for the next 5 days. Which I did. He stated that then after 10 days the bank would send me a check to close each account. The dollar amounts are in excess of {$46000.00} in my combined accounts.
I have communicated with XXXX weekly and still not get any relief. I attempted to contact XXXX once again on XX/XX/XXXX. He was unavailable and off property. He left me a voice mail providing me with the fraud departments phone number which I called on XX/XX/XXXX only to be told the number was an inhouse number and they could not help me. I was then transferred to the personal banking center, which they stated they could not help me either. I was then transferred to the small business center.
I told the phone clerk about the situation and provided all account information. She stated that she could not help me but would contact a person in the appropriate department that could. I said great I will wait to be connected. She then stated that I was not allowed to speak to them!!!!!!!
She eventually came back online and told me that the account was not closed but under review for referral, but I could not transact any business. So, I said in other words it is closed. She said n. I said then I want to close the account at a local bank. She said she did not know if that was possible!
I went back to my bank only to be told that XXXX was off property once again in a managers meeting. I said where is it perhaps they could help me. She stated that she would not tell me. I then went to another bank location, you guessed it in a Managers meeting.
I believe SunTrust is attempting to fraud me from my money. They have been totally uncooperative, uncaring and have stalled over and over. They have not been forthcoming having never officially notifying me the status of my account. Is it closed or not?
The lady on the phone did inform me that I was being sent a check for {$200.00}. This bank needs to be investigated ; can someone tell me how to proceed to recapture my money which has been stolen from me.
Thank you XXXX XXXX
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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Complaint # 1 : On XX/XX/19 I pulled up to a Suntrust Branch Drive Thru and inserted my Suntrust Business ATM Card, I entered my Pin # and proceeded to prepare to make a cash deposit to my account. After physically depositing the cash into the ATM, and hearing the ATM count and scan my cash it asked me which account I would like to deposit this to and I hit the button for my main Business Checking account, the machine began to count my money again and then I received a message that my transaction could not be completed at this time and that the ATM would NOT be returning my deposited cash. I proceeded to call customer service, and of course they were closed. I called first thing in the morning and was not offered any solutions at all, and I was told I would have to wait several weeks for this to be resolved. I was further told that my account would be monitored and that if any checks were presented to Suntrust for payment that they would be PAID while I was awaiting credit for my cash deposit Additionally 3 checks have been returned as NOT PAID AND OVERDRAWN, this is crazy ST would do this ... and now they are refusing to charge me the > {$100.00} overdraft fees that they charged me as well as the over {$300.00} in fees that I am being charged by the party that I gave these checks to.
Complaint # 2 : On XX/XX/19 I went into a Suntrust branch and informed the teller that I would like too cash a check that was drawn on Suntrust and would then like to deposit the cash into my business account. I do this every single month. So from a {$7200.00} check, I presented 2 forms of ID and signed the back of the check and requested {$250.00} in cash back to me and then completed a deposit ticket to deposit {$7000.00} in cash to my business checking account. I received a receipt that shows that I made a deposit for {$7000.00}. I then proceeded to give my employees their payroll checks, and then when checking my bank account online I noticed that my deposit did not post to my account. I have been on the phone with Suntrust Business Customer Service for over 3 hours and they are refusing to escalate this call to management and have told me that I have to wait for the check to clear. This is crazy as this is my $ and my deposit and I do not have access to my funds, and there is nothing that they can do for me. So now the payroll checks the I have handed out will be most likely be returned as OVERDRAWN.
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| 10/02/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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On XX/XX/2016 I refinanced my SunTrust Mortgage and replaced it with The XXXX XXXX XXXX XXXX. Once XX/XX/2016 hit, the refinance was settled and SunTrust received all of the necessary funds and more to close out my mortgage with SunTrust. I actually received a written note from SunTrust attached here that proves that THEY received the payment to close out their loan and then send me back the additional overpayments ( of course that still has not been received but that is not the key issue at hand ). BUT THE ISSUE is that they still have a lien on my house and wo n't remove that from the county. This is highly offensive because I can not get a home equity line of credit until that lien is removed. What legally can we do to force SunTrust to remove the lien because they claim that they can hold me hostage for 90 days when you will clearly see that they already confirmed that my entire loan was paid off from their email sent almost two weeks ago. Looking forward to learning what pressure you can put on SunTrust so that my new HELOC application with another lender can be processed since I am being held hostage while SunTrust refuses to remove their lien. THIS IS THEIR CONFIRMATION THAT THE ORIGINAL MORTGAGE WAS PAID OFF IN FULL ... ... ... Payoff Processed Dear XXXX XXXX : Your payoff has been processed.
Payment Details : Process Date Description Amount XX/XX/2016 Loan Paid-in-Full {$560000.00} Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX , CO XXXX Please contact our Client Services if you have questions regarding the above transaction.
Contact us at XXXX. Our hours of operation are XXXX to XXXX. Monday through Friday, and XXXX to XXXX., ET, on Saturday.
For our XXXX clients, please contact us using the Relay System at XXXX. The Relay System is not available on federal holidays.
Thank you for choosing SunTrust Mortgage.
SunTrustMortgage.com This message is for information purposes only. Please do not respond to this email address.
The information contained in this message is proprietary and/or confidential. If you are not the intended recipient, please : ( i ) delete the message and all copies ; ( ii ) do not disclose, distribute or use the message in any manner ; and ( iii ) notify the sender immediately. In addition, please be aware that any message addressed to our domain is subject to archiving and review by persons other than the intended recipient. Thank you.
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| 06/25/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Shopping for a loan or lease
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Web |
Older American |
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In late XXXX 2015, I cosigned an auto loan for a grandson living in XXXX XXXX, North Dakota. The paper work was XXXX and signed XXXX XXXX, 2015. However, starting the XXXX week of XXXX 2015 I received various notices from different banks stating that the auto loan had been denied do to my bad credit : SunTrust, dated XXXX XXXX, 2015 ; XXXX XXXX, dated XXXX XXXX, 2015 ; XXXX, dated XXXX XXXX, 2015, and XXXX, dated XXXX, 2015. All these banks turned my credit down. See attached copies.
During the XXXX week of XXXX 2015, SunTrust sends me a notice, dated XXXX XXXX, 2015, stating that the auto installment payment is overdue!!! I was aghast at this notice because SunTrust had turned my credit down on XXXX XXXX, 2015, and now they were asking for their auto payment installment. Since the XXXX XXXX, 2015 letter by SunTrust turning down my credit, I had not received anything to the contrary from SunTrust, or any other bank that had turned down my credit for the auto loan.
Upon receipt of this XXXX XXXX, 2015 notice by SunTrust asking for their auto payment installment, I phoned the bank stating that I had no auto loan with them because they had turned down my credit in a notice dated XXXX XXXX, 2015. How could this be? I asked them. They stated that they could not do anything about it, and for me to get ahold of the auto dealer in North Dakota. I called the auto dealer in XXXX XXXX. The auto dealer stated that the banks had turned down my grandson 's credit but not mine, and that my credit was good, and therefore they had released the auto to my grandson on XXXX XXXX, 2015. I said how could this be since SunTrust notified me my credit was bad, and they could not proceed with the financing? Again, they repeated that my credit was good and therefore they had released the auto to my grandson. I could not understand their logic.
Once those banks turned down in mass my credit application, which I had signed in good faith, I completely gave up. I started to inquire the credit reporting agencies why my credit was bad. My issue is why would SunTrust Bank turned down my credit, and then turn around, a month later and ask for a late auto payment installment? SunTrust Bank, nor any other bank that turned down my credit, never ever notified me that my credit had been approved after all. It does not make sense. I state that I have no credit with SunTrust Bank because they denied my credit on XXXX, 2015.
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| 04/18/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I have a number of family members and colleagues at work on whose behalf I 'm filing this complaint. They all live in the XXXX area ( just like I do ) and have been customers of SunTrust for years. Many of them also enjoyed travelling, so they got the XXXX XXXX debit card years ago. It was advertised by SunTrust as a debit card linked to a checking account that could be used for debit ( PIN-based ) and credit transactions at all merchants that accept debit/credit cards. Further, the advertisement clearly stated that XXXX mile was to be earned for every dollar spent with both PIN-based and credit based transactions. The card further carries a $ 75 yearly fee.
My family members and friends who have this card have used it in the normal course of their daily lives and made no unusual purchases. However, some of them had seen an increase in their purchase amounts over the last year due to home renovations and the purchase of cars with their card ( neither of which are prohibited transactions or transactions not allowing for the earning of miles per the SunTrust terms and conditions ). As a result, some of these folks have earned a considerable amount of miles over the years.
What I 've been told is that several of them had had their debit cards and related checking accounts with SunTrust closed lately while others had their accounts renewed with a regular debit card and not a XXXX debit card. I 've looked into this a bit from a legal perspective and it appears to me this is a violation of the law commonly referred to as bait and switch. SunTrust uses advertising that they know is wrong to get customers to sign up for their card and then, once those customers earn what SunTrust deems are too many miles, the bank closes their account.
I 've spoken to SunTrust representatives at XXXX branches and they were finally able to research and reveal the SunTrust employees responsible for this action. Their names are XXXX XXXX who reports to XXXX XXXX who, in turn, reports to XXXX XXXX. These XXXX folks are the primary driver behind this ongoing wave of closure.
I would ask that SunTrust look into this, honor its advertisement, stop closing accounts, and educate its employees on the rules and regulation out there. Clearly, the SunTrust employees mentioned above are in no condition to judge on the legality of SunTrust 's actions as they appear to have no regulatory background.
Regards ; XXXX
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| 04/22/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I obtained a loan through SunTrust Loan Servicer in XX/XX/XXXX and the account was on Auto draft ever since for full monthly payment ever month. Never late.
In XX/XX/XXXX as a result of my divorce I asked for a loan modification that was approved in XX/XX/XXXX.
SunTrust on its own reversed the XXXX payment that was auto drafted a week earlier. I called and argued against reversal with SunTrust 's XXXX XXXX and XXXX XXXX. However, they persistently claimed that for the loan modification to be approved, it needs to show that XXXX payment is not n the record and that it will not effect my credit reports.
The trial version of loan Mod was successfully completed by XX/XX/XXXX and SunTrust sent a full and permanent loan modification agreement with XXXX mistakes. On XX/XX/XXXX, in the presence of its banking branch VP, I immediately called XXXX XXXX and XXXX BOTH. and persistently told not to make any changes on the agreement - since any hand writing besides signature and notary would void the document. The rep, told me that a corrected set will be sent within 7-10 business days. However even when I contacted XXXX XXXX on XX/XX/XXXX, she stated that " the agreement has not gone out yet, but it should ... ''. I questioned her about " 7-10 bus. days '' rule, she stated, " the 10 days is not over yet '', I counted the business days for her and she still stated, '' we still have time ... '' The telephone call was recorded.
In the meantime, I pulled my credit from all XXXX agencies. All reports showed a 30 and a 60 days late with no other notations ( recorded calls again ). This is a serious contradiction to what XXXX, XXXX and XXXX XXXX stated.
I disputed it with credit agencies and called XXXX XXXX XXXX. XXXX XXXX now changed her statement, now claiming that we do report late payments and this account was late.
Each time I dispute the late payment with the credit agencies, SunTrust reports worst than before ( even though the loan is not being serviced with it since XX/XX/XXXX. In fact, it is even reporting the account 90+ days late for XX/XX/XXXX now ( when the payment was made on XX/XX/XXXX in the branch while I was speaking with its branch VP ).
I MADE ALL MY PAYMENTS TO SUNTRUST SINCE INCEPTION OF THE LOAN ON TIME AND AS IT REQUESTED. ITS REPORTING LATE PAYMENTS IS NOT ONLY INACCURATE, INCONSISTENT WITH ITS OWN REPRESENTATIVES STATEMENTS, BUT ALSO CHANGE FOR THE WORST EACH TIME.
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| 01/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I participated in a HAMP modification with performance payments which I have now successfully received. However, much like I've previously had issues with the way SunTrust ( now Truist ) has serviced my XXXX XXXX loan, they now are refusing to respond to my repeated inquiries about why I have not received a recasting / re-amortization of my payments per the HAMP guidelines. I've tried to reach out by both phone and secure online communications ( and have attached copies of these communications ) and have made it clear I would indeed want to take advantage of a recasting to reduce my payments per federal guidelines. I'm told each time that someone from that department will be contacting me or I will be receiving some sort of official communication regarding my recasting inquiry, but I never do. I completed the five-years in the HAMP program in XX/XX/2019, which is when the final {$5000.00} performance payment should have been made ( it was significantly delayed with no explanation even though I made many inquiries, but eventually showed up ). I also should have, as is my understanding from reading the HAMP federal guidelines, been offered a recasting of my loan at this time. I was not and I have been calling and messaging without resolution. I'm just told it will happen or is happening or I'll hear something by an apparently ill informed mortgage customer service rep.
I do want to bring up that last time I contacted CPFB about a Suntrust ( now Truist ) HAMP modification issue and spoke to the US Department of Justice regarding a breach of their settlement agreement in regards to criminal conduct on their processing of HAMP modifications, Suntrust offered me {$1000.00} to drop my complaint and go away which I did, but then they never paid. I continue to remain shocked that Suntrust gets away with so many violations of the HAMP program and how it's supposed to be run. They received deferred prosecution and here they are, breaching it yet again with me. I guess corporate officers will never go to jail no matter how purposeful or negligent.
I'd really appreciate some investigation and oversight here. There is absolutely no reason why I should be denied a recasting, be required to pay my interest payments in full, and pay off early. That is very convenient for Suntrust ( and even more so the new combined Truist, looks better on their balance sheet while it continues to harm me ).
|
| 12/02/2019 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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Ok so i recieved a settlement for a work place injury in the form of a check. I took that check and went to a Suntrust bank in XXXX, Ga. Using that check i opened a checking account on XX/XX/2019. I was told that the check would clear and be available by XX/XX/2019. The funds were cleared by the issuing bank on XX/XX/2019. The Suntrust internal policy was the only reason for the delay of my deposit being accessible. Despite this small hiccup i waited as required by Suntrust. However on XX/XX/2019 the bank informed me that the account was being put on a debit hold. After multiple telephone conversations i was referred to the branch manager at the branch i opened the account at. I then visited them to find out why my account was being frozen. I was informed that the Suntrust policy allowed them to close any account at any time for any reason. According to the representatives of the bank i would have to wait 7-10 days for the account to offically be closed. Then i would have to wait 7-10 days for them to issue/mail my remaining balance to me. Well after waiting what i consider a fair amount of time i began to grow concerned about the whereabouts of my funds. I then began to reach out once more to locate the funds that i had deposited. When calling both the normal service 800 number as well as the executive services representative i was told they are not able to tell me where my funds are. No one from the fraud department, and i have left half a dozen messages for the investigator, will return my calls. Ive now waited 37 days total. My funds are still in their possession and No one seems to be able to help me in locating the status of my funds. Adding insult to injury they have only just now sent me a letter via USPS informing me of the account closure dated XX/XX/2019. Which i was locked out of and unable to access the account since XX/XX/2019. They have had ample amount of time to rectify this issue. I have enclosed some of the correspondence between myself and Suntrust, my attempts at contacting both the fraud investigator and the Executive Services rep., as well as letter from my attorney who assisted me with the lawsuit that was ultimately settled. ( your more then welcome to verify anything with Mr. XXXX XXXX of XXXX XXXX XXXX ) They have intentionally dragged their feet in this matter and my time is just as important and valuable to me as im sure their time is to them.
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| 01/25/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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This is the 2nd complaint about the same, unresolved issue. Let me start by stating that I do not think all the parties at SunTrust Bank are addressing or communicating with each other over this issue. The first problem comes into play that I did place a charge in XXXX XXXX for {$160.00}. Upon deciding that I did not want the service and did not like what was provided, I decided to contact XXXX XXXX and let them know to remove the charge. Between XXXX and portions of XXXX, I requested the merchant, XXXX XXXX, to remove the charge. Upon speaking with several of the representatives, the first of which promised to remove the charge, I thought this issue would be resolved. Not only was the money not refunded to me, but I was advised to take up this issue with my bank, SunTrust. I contacted SunTrust Bank on XXXX/XXXX/XXXX to place a formal dispute on the charge for {$160.00}. Once the dispute was placed, it took a very long time for credit to be issued. After contacting this agency and threatening with contacting the state attorney general, SunTrust issued the credit. The first complaint in reference to this was closed out when I spoke with XXXX at SunTrust. XXXX assured me that the dispute was closed in XXXX and the credit of {$160.00} was permanent. I assumed with the complaint being permanent, the money was mine and it was in the account. In XXXX XXXX, I received another letter from SunTrust Bank advising that the merchant responded to my dispute and was requesting that I provided the refund policy and other information to SunTrust in reference to the amount. We are already hitting the 4 month mark on this dispute and the unclear, XXXX letter from XXXX at SunTrust made this issue sound like it was far from closed. The money has been utilized for the {$160.00} and being told, after the 1st complaint against SunTrust, tells me there is a lack of communication between the Debit Card Fraud group and the executive group that handles these complaints. I have tried to call XXXX back on several occasions and I have left voice mails with her and in the general mailbox with no calls back. I was advised that I had to respond by XXXX/XXXX/XXXX in reference. I have no idea what I am responding to as I thought this issue was closed. This is causing a lot of aggravation, frustration, and an extreme feelings of disgust. SunTrust needs to get their act together.
Thank you XXXX
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| 09/11/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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When I discovered I was a victim of identity theft, I ran my credit reports and began disputing the fraudulent hard credit inquiries on my report.
A person posing as me, using my social security number applied for credit with SunTrust Bank on XXXX XXXX, XXXX. I disputed the hard inquiry with XXXX immediately and contacted SunTrust in writing and received a written response dated XXXX XXXX, XXXX indicating they received my dispute. I received a second letter dated XXXX XXXX, XXXX informing me that they have researched my account and have determined the account is being reported accurately. I wrote them a second time explaining that I never have applied for credit and they 're providing inaccurate information to credit bureaus. Both times I also included a copy of my FTC Identity Theft Report and proof of my identity.
Having failed to accomplish anything productive via mail, I called the number provided in the letters SunTrust sent me, XXXX. After nearly 20 minutes on hold, I spoke with a man named XXXX I think. He did n't speak his name clearly. I explained I was the victim of identity theft and SunTrust was inaccurately reporting a fraudulent hard inquiry. I asked what it will take to get it removed from my credit history. He seemed to have not listened to anything I said because he kept talking about the money I owe them and I will have to pay it. I explained that my niece used my social security number to apply for credit with SunTrust without my knowledge or permission. XXXX then told me that since I admitted I knew who did it, he ca n't help me. He either can not or will not actually listen to what the customer has to say. I told him I wanted the documentation they have for the application so I could take it to my local police department as evidence. He told me that he does n't have to do anything. He became belligerent and rude with me. When I told him I was recording the phone conversation, he hung up on me. I called back and was able to speak to a gentleman named XXXX. I explained the situation again and he gave me a different number to call, XXXX. I 've called this number three times and have n't been able to speak to anybody. The first two times, I was forwarded to a full voicemail box and instructed to call back another time. Today, XXXX XXXX, I was able to leave a voicemail but have very little confidence I will receive an acceptable response.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
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XXXX XXXX, XX/XX/2015RE : XXXX XXXX XXXX Loan # XXXX Property Address : XXXX XXXX XXXX XXXX, XXXX XXXXConsumer Financial Protection BureauSir/ Madam : Good morning from XXXX XXXX XXXX Connecticut and thank you for reading this.
In the effort to pay off our total mortgage balance of {$6500.00} XX/XX/XXXX, we made an additional payment of {$2000.00} to the $ XXXX amount for Escrow we were told was short, with a note requesting that the extra {$2000.00} be applied to the Principal.
Days later, I contacted Suntrust over the telephone and inquired what the balance was so we can proceed with paying off the total mortgage expecting the amount to be {$4500.00} because of the {$2000.00} additional that should have been applied to the principal.
I should point out by the way that we are enrolled in their automatic monthly payment.
In any event, during that telephone conversation, I was informed that the amount was still {$6500.00} and when I asked how that could be, when we had made an additional {$2000.00} extra to the principal, she said " let me put you on hold and I 'll check '' and shortly thereafter said yes it should have and then apologized and assured me that it would be corrected immediately.
Believing what I was told I waited several more days before contacting Suntrust again and to my astonishment was informed that the amount was still the same ( {$6500.00} ) and when I asked how that could be since I just spoke with someone days before and was assured it would be corrected, she apologized and said it would be done and to call back after XXXX days.
I did XXXX more times after that.
Over all and in a span of a month and a half at which point I have made XXXX ( maybe even XXXX ) telephone conversation with a CS representative, I would essentially be told the same story.
That they are sorry and it would be corrected immediately.
In fact sometime early this month I was contacted by someone at Suntrust who told me to request for an " escalation '' to resolve the problem. Imagine that.
Considering Suntrust is a XXXX dollar corporation this unusual " mistake '' can not be coincidental, which prompted me to write to their CEO accusing his company of engaging in fraudulent practice because maximizing the interest payment is about the only sensible conclusion that would explain what we had encountered.
Sincerely, XXXX XXXX ( I am the husband )
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| 06/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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I have been at SunTrust since 2007 and an employee XXXX with that company. I just received my XXXX to further my career in finance. I have been in banking over 28 years. Unbeknownst to me, my daughter gave her bankcard to someone and they deposited a check to our joint account and was able to withdraw every dime from the check seven hours after the check was deposited in an ATM. The check was for {$2400.00}. I was told the funds were made available due to our relationship with the bank. All accounts that had my name on it were restrained to debits pending investigation including my son 's account.
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.
|
| 05/09/2017 |
Yes |
- Student loan
- Private student loan
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- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
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|
Web |
Older American |
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In XXXX XXXX, I contacted Sun Trust with respect to a loan from Sun Trust Bank that I co-signed for my granddaughter ( XXXX XXXX ) and offered a proposed settlement. On XXXX XXXX, XXXX, I received a letter from Sun Trust rejecting my extremely fair settlement offer of {$52000.00} ( original loan {$39000.00} ; interest as of XXXX, XXXX of approximately $ XXXX ) over a period of 14 months. On XXXX XXXX, XXXX, I wrote to XXXX and Trust explaining the reason why I was making the settlement - which included my age and health situations, and that since my granddaughter would not be able to make payments, it was my desire to pay this amount and not have to worry about additional interest later on or my ability to make those interest payments. I filed a complaint with this office ( CFPB ) within the same month ( File # XXXX and XXXX ). Sun Trust responded to the complaint I filed with your office and on XXXX XXXX, XXXX, I received a letter from XXXX XXXX, Vice President, Client Advocacy Management Office rejecting the offer made in my XXXX XXXX, XXXX letter. On XXXX XXXX, XXXX, I wrote to XXXX XXXX asking for reconsideration but have not received a response. A copy of this letter was sent to Sun Trust 's corporate office and to CFPB. Despite XXXX 's promises, she has never made any payment on this account. In approximately two weeks I am scheduled for XXXX XXXX and face approximately one month or more of extreme XXXX and XXXX. For 3-6 months I will have XXXX XXXX and I do not want to make any decisions - financial or otherwise during that time. Because of this situation with Sun Trust, I am unable to move on to refinancing my current mortgage because of the defaults listed by Sun Trust ( the only negative on my credit at this time ). My mortgagor has advised me that my mortgage will likely increase to more than {$2000.00} per month ( which I will be unable to pay ) unless I am able to refinance. These are only some of the reasons I am asking Sun Trust for consideration but Sun Trust has one intent only - to charge and receive interest that would put me in terrible hardship. Based on the rate of interest I would never be able to pay off this account during my remaining lifetime. The total now due is $ XXXX ( {$7000.00} in interest added since XX/XX/XXXX ) and at this point I will not be able to make interest payments only or monthly payments period.
|
| 08/24/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
Older American |
|
To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue.
|
| 03/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
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|
Web |
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I opened an account with suntrust bank on Wednesday night ( XX/XX/19 ) online. I had an insurance check to deposit for roughly XXXX on Thursday. I opened account to just start fresh with the amount of money which I was depositing. They explained possible holds on he check etc, and I agreed that was ok and what not. Friday morning I get from suntrust bc I signed mobile alerts via online banking that the check cleared bc it was local and insurance so easily verifiable. I went into the bank had to do a signature card to get money our which seemed normal. Took a small amount and went about my business. Later Friday I decided to check XXXX via online banking. Mysteriously I could not log in said my account had been restricted. I called and they really couldnt tell me anything but I was working so I didnt have much time. He told me I need to talk fraud department. So I noted it planed to call Saturday morning along with going into a local branch. I called on the way the guy told me that suntrust had needed the relationship between me and them keep in mind but could tell me any reason as to why or what happened but assured I could go into the branch and withdraw my money keep in mind it stated that all calls are recorded. I get to the branch and basically the lady to me that they lied to me to get me off the phone, that the issue still having no clue what it is and still dont have a clue was above branch level and she could not do anything. So I have no idea whats going on I made her call corporate hoping to get some sort of answer as to how to get my money and why they closed the account. Nothing. I was there for almost 3 hours. I called myself to this time telling me I had to wait 30 and they will mail me a check and I asked for fraud department, had me on hold for 1 hour and 48 minutes to have answer the call after I was transferred. 3 different stories I was told. With this being insurance check I have much that has to be paid for ASAP as its destroying my credit. All I want is to be able to withdraw my money. She told me if i had a refund after their investigation they would mail it to me??? We are talking XXXX if I have a refund? I just need help in this matter to get my Money from this bank that after reading reviews is not far from crooks. She could even give a paper stating what my balance or anything is, ridiculous. Please help asap
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| 03/09/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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To knowingly or willingly employ any device, scheme, or artifice to defraud ; ( b ) To engage in any transaction, practice, or course of business which operates as a fraud upon any person in connection with the purchase or sale of any mortgage loan ; or loan modification ( c ) To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry.
To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077.
Commission of fraud, misrepresentation, concealment, or dishonest dealing by trick, scheme, or device ; culpable negligence ; breach of trust in any business transaction in any state, nation, or territory ; or aiding, assisting, or conspiring with any other person engaged in any such misconduct and in furtherance thereof.
XXXX XXXX from Suntrust engaging in constant concealment and misrepresentation of facts.
Borrower was charged for items or " Advances whit the borrower already had long paid : This complaint is to address the XXXX/XXXX/2012 $ 107.29 % XXXX/XXXX/2012 alleged advances for which the borrower already paid again part of non existent and concocted modification : 1 ) Borrower was charged {$100.00} which XXXX XXXX from Suntrust is insisting it was not paid! The receipt & even the statement from Suntrust acknowledged the payment of {$100.00} ( see attached ) 2 ) Borrower was charged again for the {$210.00} which was already paid back. The amount was subtracted by Suntrust already in from the borrower escrow balance in XXXX 2012.
-See statement for XXXX/XXXX/2012 Escrow balance as of XXXX XXXX {$2600.00} -See statement for XXXX/XXXX/2012 XXXX/XXXX/2012 the hazard insurance is paid XXXX - {$2800.00} = - {$210.00} Same statement the payment from XX/XX/XXXX adds money to escrow + {$600.00} See escrow balance now = {$390.00} If the advance of {$210.00} would not be subtracted the escrow would be {$600.00} This is just simple math! How can XXXX Bank/Mortgage investigator be so incompetent!
This is another {$310.00} charged to borrower for payments that were already made!
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| 09/22/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My wife and I currently have a XXXX and XXXX mortgage on our home. The XXXX mortgage is with XXXX and the XXXX with Suntrust Bank, In XXXX my wife file for chapter XXXX and it was granted. We immediately contacted the lenders to ask for assistance, XXXX was a challenge but your agency assisted us and we were able to obtain a loan modification, we are current with XXXX and have no late payments. The second lender Suntrust was more difficult as they only offered to transfer the entire balance to interest only. for the past 3 years the interest only payment was {$110.00} and we would pay {$200.00} monthly. Today XXXX/XXXX/XXXX we received the monthly statement and the payment has increased to {$400.00}, W e received no warning to this change. We are asking for the agency 's assistance to investigate this sudden change and if Suntrust would look into another solution for us. We struggle each month to make payments but have been making them and on time. I am not computer savy but my wife did save the emails from Suntrust Bank from XXXX to XXXX XXXX - loan officer NML # XXXX that requested hardship notification. Suntrust in XXXX/XXXX/XXXX made XXXX XXXX from the Equity line Modification division the final point of contact sending an email stating that the entire balance was transferred to INTEREST ONLY OPTION.. That email was received on XXXX/XXXX/XXXX. We have even attempted to refinance the mortgages to XXXX lender XXXX since the have the primary but after speaking to a loan officer we were told that due to my wife 's XXXX bankruptcy the loan was NOT REAFFIRMED. The bankruptcy attorney told us that a REAFFIRMATION was not necessary 6 years later and that XXXX was not interested in doing the refinance that would have consolidated the debt and made the monthly payment still within our budget. The SUNTRUST account no. is XXXX. The XXXX account no, is XXXX, We have received Dodd Frank packets from XXXX at least XXXX times and have completed and sent the documents XXXX times, We have never received those documents from Suntrust nor do we know that they should be in compliance with the act. all we want is to keep our home and with payments that we can keep managing. The best contact number for us is XXXX and the email is XXXXXXXXXXXX. We look forward to any helpful information/ assistance the agency can provide. Sincerely, XXXX and XXXX XXXX
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| 08/01/2015 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have been a victim of fraud. On XXXX I notified SunTrust that I had some items on my account that I did not authorize and also noticed that I no longer had my card. I advised them that I last used my bankcard on XXXX at XXXX just to purchase a couple of items. I was told to submit an affidavit for the items that I was disputing and was told that I will have a decision within XXXX business days. I contacted them several times within the XXXX business days to get updates. They came back with the decision and stated that they saw no fraud was made against my account because my pin number was used. I told them I had just recently received that new card in the mail and no one had the PIN other than me. Some of the fraud was made using a XXXX ATM. I went to the branch location where the fraud was done and asked if I can review the video from the camera and I was told that they had no way of showing me. I asked if the video was even reviewed and they could never give an answer which makes me think that it might be a SunTrust employee that is associated with the fraud. I was told by the SunTrust employee that I would have to do my own investigation and submit more proof to them. The associated advised me to go to XXXX to request the tapes to be pulled, which I did, and was told that they do n't have the authority to show me and video surveillance and can only be requested from the bank institution or an investigator. I also asked if a signature card was pulled to prove that the signatures on the back of the check did not match my signature but once again my request went unheard. I am requesting a full refund of all of the fraudulent items including the fees and a FULL investigation from SunTrust in house because I feel that SunTrust has frauded me and is possibly frauding other SunTrust members. The items that I am disputing are 2 checking that was deposited into the ATM one for {$910.00} and {$930.00}. There also was an ATM withdrawal for {$500.00} and 5 Wal-Mart purchases totaling {$260.00}. Also I have been a LOYAL customer with SunTrust bank for over 10 years and my account has ALWAYS been in good standings. I used this account for all of my personal banking needs such as receiving my direct deposit from my employer and paying bills. I have also incurred late fees because I am unable to pay my bills due to the fraud on my account.
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| 04/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American, Servicemember |
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RE : Sun Trust Mortgage Loan # XXXX Loss Draft Dept. XXXX ATTN : XXXX XXXX. Box XXXX XXXX, VA XXXX My house burned down in XXXX XXXX in California XX/XX/XXXX. At the time we had a mortgage principal with Sun Trust Mortgage Co. of {$200000.00}. They withheld this amount, which I understand and have no problem with.
According to the mortgage companies own written policies they return {$40000.00} or 20 % of principal balance when reconstruction begins, 50 % of remaining balance when half way through construction and the last 50 % when construction is complete. So far no problem.
We started reconstruction in XX/XX/XXXX at which time I requested that they release the first {$40000.00} in compliance with their own policies. It is now mid XXXX and I have called them 12 times to follow up on when they would be releasing the funds. Every time I call I am told they need more documents which were never mentioned previously, I dutifully send to them.
They frequently say they do have all the documents and I will receive a check within 3 to 5 business days. Nothing happens, I call back and now they need more documents that were never previously mentioned.
They never contact me to tell me they still need more items that they never mentioned previously. I wait a couple of weeks to give them time to send the money then I call back and am told again that they need something else. Every time I call it results is about an hour or more of my time when they put me on hold, consult with other people, get cut off and have to try to contact person I was talking to again. Not possible. Of course, they never call me back even though they repeatedly confirm my phone number. I have spent hours on this effort.
On XX/XX/XXXX my attorney sent them a letter to no avail.
This company is inept and poorly managed. The people on the phone are always very polite and seem to be trying to help but never successful. I can only conclude that management doesn't care enough to staff and train personnel or they are deliberately trying to stonewall refunding my money.
The thing I fear most is when we need to make the final payment to the XXXX and we get this run around trying to have the final funds released. The XXXX shouldn't have to wait for his money but we will have used up all the money we had and be down to the last {$80000.00} which is at Sun Trust.
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| 10/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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To whom this may concern I have a very big issue and a very big problem With SunTrust bank I believe they are in federal violation, You usually must be notified at least 15 days before your loan servicing is transferred to a new servicer. ( And I wasnt notified ) During a 60-day grace period, you can not be charged a late fee if you mistakenly send your mortgage payment to the old servicer The new servicer can not report to a credit bureau that payments were late. ( they are reporting me to the credit bureaus 3 months late ) the housing act require lenders or servicers to Give proper notification when the loan servicing is going to be sold. If your current servicer plans to sell your loan servicing, you must be notified at least 15 days before the effective date of the transfer unless you received a written transfer notice at settlement. The effective date is when the first mortgage payment is due at the new servicer 's address.
In XX/XX/XXXX I took out a loan From XXXX XXXX XXXX And I set up automatic payments with them to make sure that all payments are made Promptly and On time, in XX/XX/XXXX I checked my credit report to take out another loan, And shockingly I have 3 months Late From a bank That I never dealt with I never took a loan from them The name of the bank Is SunTrust bank After I called them to inquire what is going on They explained to me That They took over my loan from XXXX XXXX XXXX Going back XX/XX/XXXX, I did not even know They took over My loan from XXXX, I never got a notice From them That I have to start making payments to them And now They are refusing to remove the derogatory items from my report, SunTrust Was supposed to contact me To make sure there I know That is they are my new bank And to make sure that I am paying them Thank XXXX I do not have an issue With funds and I can prove it that I had funds in my account. They did not do Their part in contacting me to make sure that I know that they are my new bank, The bank has 3 addresses For me 1- is a p.o. box and 2- is my home address and 3- is the property address The bank claims they sent a welcome letter To my pill box which I never received They never made any other attempt to contact me or to send me letters to my other addresses At least the property address but they did not And I am losing money each and every day because of them
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| 01/20/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I accepted Suntrust bank overdraft protection after reading their disclosure statement and what I needed to know about overdrafts and overdraft protection. In their statement it says : " An overdraft occurs when you do not have enough money in your account to cover a transaction, but the bank pays it as a courtesy. Suntrust can cover your overdrafts in two different ways '' : 1. We have standard overdraft practices that come with your account 2. They offer overdraft protection plans.
It continues : " You will incur a fee of up to {$36.00} each time an overdraft is paid. '' On XXXX/XXXX/2015 my available balance was XXXX and my balance was XXXX. Since XXXX was the last business day until XXXX/XXXX/2015 all transactions made by me with my debit card would show as pending. My total charges from XXXX/XXXX/2015 thru XXXX/XXXX/2015 totaled XXXX against a balance in my account of XXXX. On the morning of XXXX/XXXX/2015 I received an e-mail from Suntrust informing me I had an available balance of XXXX. So all charges showing pending throughout the Holiday week-end would be paid with funds showing in balance of XXXX. Therefore none of those charges should have been charged an overdraft fee.
Then at XXXX on XXXX/XXXX/2015 I was left without options and if not paid the utilities were due to be cutoff first thing Tuesday morning XXXX/XXXX/2015, so I used my debit card online and paid the utility bill. Well rather than doing what I have been told by several Suntrust employees a pending transaction amount is deducted from available funds so to pay transaction when presented by merchant. That 's not was done. They treated all transactions that were pending as if they came after the XXXX utility charge thus overdrawing the acoount and charging XXXX overdraft charges. There was never an overdrawn acccount. All charges authorized by me before XXXX were done with the available funds. Furthermore based on Suntrust documentation there was never an item presented without sufficient funds. I had the original XXXX available and when the XXXX was presented for payment on XXXX my direct deposit had posited.
I feel Suntrust is very deceptive in its business practices. They do not adhere to their own disclosures. As a consumer how can you do business when they control your money and once seized by them it is impossible to have returned
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| 10/11/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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This is in response to conversations I 've had with XXXX XXXX and XXXX XXXX on XXXX XXXX, 2016, concerning my complaint of predatory lending. I received a voicemail message late on XXXX XXXX from XXXX XXXX of SunTrust 's Escalation Resolution Department advising me to return the call and speak with 'any representative '. This was a red flag to me, as having to deal with multiple client relations representatives in my modification process in XXXX of 2016 was a matter of which I 'd already filed a complaint. I did call back on XX/XX/2016 and spoke with XXXX XXXX. She asked me if I had any questions, to which I said I did n't know what questions to ask, as this is their service and they must explain this process to me, clearly and thoroughly. I also told her that speaking with 'any representative ' was a red flag for me and why. She advised me I had XXXX person assigned to handle my account, XXXX XXXX. I told XXXX I would not work with XXXX XXXX as she had lied about what was discussed in our phone conversation of XX/XX/2016, vs. what was stated in their response to my CFPB complaint filed on XX/XX/2016. In that conversation I have no recollection of any discussion of the foreclosure sale scheduled on XXXX XXXX, 2016. Yet in their response to my complaint, it was stated this discussion took place. This was the second of XXXX lies and/or inaccuracies in that response. I told XXXX I would speak with XXXX XXXX 's XXXX, and she advised that is XXXX of Mortgage Escalation Resolution. I received a call and spoke with XXXX XXXX late the afternoon of XXXX XXXX. She confirmed the foreclosure sale of XXXX XXXX was stopped due to my complaint of predatory lending, and that their 'compliance people ' would review it. Among a few things discussed, I told her I wanted documentation of what SunTrust did with our interest payments paid to them over the course of the loan. She said she would have to get back with me. I have not received a return call or email on that request.
There is a pattern of lying and/or inaccuracies, misinformation, creating confusion by passing me off to multiple representatives. Considering that, and recalling my experience with the loan application process and closing, I do suspect there are potential violations. As such, I am requesting documentation and information as outlined in my attached letter.
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| 01/09/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I 'm Writing to you again because I wrote to you about two months ago about SunTrust mortgage I complained about them not refinancing my XXXX mortgages I wanted them to combine my XXXX mortgages and lower my interest and they have not gotten back to me I have been with SunTrust for the past nine years and they have not yet tried to help me out on combine my XXXX mortgages or lowering my interest The lowest possible since I have XXXX mortgages they had told me after XXXX years of being with them I was going to be able to combine both of them together but till this day they have not.They refinanced my XXXX mortgages about a year and a half ago with not the best low interests one is over four and the other four percent interest if you combine them both together it 's over all almost nine percent in interest they told me I was going to be able to refinance after a year so I can lower interest and the last time I talk to them now they said I am not able to do you see they say one thing today and yet another thing the next I am so frustrated and depressed they say my house is not worth what I owe for the same reason I owe too much it 's because my interest is so skyhigh and I ca n't afford to make a bigger payment I can barely pay the minimum so with me just paying the minimum and with the sky high interest they are charging me I still owe the same amount as if when I first financed it they say they can not combine both of the mortgages together I do n't understand why if both mortgages that I 'm paying are going to the same company so there has to be something fishy going on which is them making more money off of me with me paying XXXX sky high interests and they do n't care we 're or how I struggle to get my mortgage money as log as they get their Payment 's there are times that I feel like not making the payments but then I do n't want them to take my home away from me and my family especially after all the money I have invested in for the pass nine years I have paid more then one hundred thousand dollars on it and yet I 'm not even half way on paying it if I 'm going to leave this earth and never had a chance to finish paying it off and they are going to end up with my home and my money and yet they get away with it this needs to stop in not letting them do what ever they want with people like me and my family
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| 05/18/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
Servicemember |
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I run a XXXX and we have had multiple issues with suntrust bank. Our XXXX as a result of its intrinsic natural does nothing operate even keel through out each month. We will have a $ XXXX check one day and a XXXX check another. Over 13 times suntrust bank holds a check from one of our customers for up to 7 to 10 days while this is understood to be part of the antiquated bank regulations from XX/XX/XXXX. It is devastating to our small business. A XXXX dollar check was deposited on Wednesday XX/XX/XXXX. We where told that the bank put a hold on it on Friday XX/XX/2016. And told that we could pick up the money Wednesday morning XX/XX/2016. I went this morning the XXXX of XXXX to pick up our money and it was still not available. I checked with the customer to see if the money was removed from her account and it was on Friday XX/XX/XXXX. I was also told that they would not give me cash they would only give me a certified check. Which will but put on hold as soon as I put open a new account. I also no longer trust Suntrust to produce a note of legal tender. I do n't trust that they actually have the money. This puts undo XXXX and my family as this is our only income. This XXXX is the key to open up almost XXXX in material and work for our company. We have missed some opportunities that would have allowed our business to make even more money than that in these past 7 days. My belief is that suntrust and possibly other banks removes the money for the payee 's account, uses this money to collect interest and make more money stating the banking regulations as the reason. Then clears the money verifies the check and then that money goes to the receivers account. Once there it stays on hold while that bank uses that money to make money before allowing it to show up in the account. In my mind and in my belief that is laundering. Using XXXX of consumers money to make XXXX worth of interest between banks. In that I think it is possible that just like the mortgage industry bubble popped eventually this will also be a bubble that pops. Interest on money even over 7 days over multiple accounts is a lot of money being made on the illusion of funds not actual funds. It is my belief and concern that all banking customers are headed for a rude awaking When we all find out that our banks do n't actually have any of our dollars.
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| 04/18/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I have had a checking account with Suntrust Bank for approximately ten months. Over a month ago, I lost my debit card associated with this checking account and reported it lost. The customer service agent told me they would cancel that debit card and send me a new XXXX in about a week. A week later ( approximately ), I received XXXX new debit cards with XXXX different numbers, separately, by mail. I tried to activate both of them. XXXX would not activate, with a message saying the card was invalid. The other did activate, so I continued using that XXXX when I made debit card purchases.
Over the next month, I noticed that online transactions that I had authorized using the old debit card I had reported lost, continued to be put through my account. Some examples included online memberships, like XXXX, as well as some trial magazine subscriptions. I wondered how they were being processed, because I never updated these companies with my new debit card number. XXXX transaction for {$90.00} for a year subscription to XXXX XXXX was put through my checking account using the old debit card number from the one I had reported lost. I called the customer service of the bank to dispute this debit card transaction. The agent put me on hold to investigate, then came back on the line to tell me that there were XXXX debit cards associated with my checking account. In other words, the debit card that I had reported lost was never cancelled, and transactions that I had previously authorized on the lost card, like online memberships, etc, were still being put through my account.
The customer service agent gave me a hard time about disputing the {$90.00} transaction for the subscription to XXXX XXXX and it took nearly a week for me to get a {$90.00} credit applied to my account. The bank is considering the transaction as a case of FRAUD against my bank account and has sent me an affidavit form to fill out for a case of fraud against my bank account.
This was not a case of FRAUD, as I reported my debit card lost nearly a month prior to that charge. This was a MISTAKE by the bank -- -- they never cancelled the lost debit card and continued to authorize transactions on it.
I am reporting this because these are serious mistakes made by this bank. And for this reason, I will be closing my accounts with Suntrust Bank.
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| 05/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
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|
Web |
Older American |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXXXXXX XXXX XXXX, XXXX The above property was built by XXXX XXXX in XXXX in XXXX XXXX XXXX XXXX sale was transacted in XXXX XXXX then re-sold to a XXXX owner in XXXX XXXX. After 6 years, sink-holes appeared around the property causing the owner to vacate and foreclosure commenced in XXXX XXXX.
I unknowingly transacted the XXXX sale of said property in XXXX XXXX. The property was appraised and inspected by XXXX XXXX XXXX and there were no sightings of sink-holes. 7 years later in XXXX, I have encountered the sink-holes appearance at the sides and rear of the property. The listing agent, XXXX XXXX XXXX XXXX, XXXX and/or Suntrust Mortgage Bank, failed to disclose this problem before the property was sold. They were the companies involved in listing and preparing it for resale.
XXXX XXXX XXXX ( homeowner policy ) sent an engineer to analyze the problem. It was determined that the property was built on a trash pit which has decomposed causing an XXXX horizontal hollowness below the slap. The right rear of the building is presently XXXX '' lower and the left rear is XXXX '' lower from the original dimensions. There were no sewage leaks. Kitchen tiles are cracked and using the back door is hazardous because one XXXX step out into a sink hole. The rear right corner of the building is supported by air ; piers were omitted during construction so gravity is in process on the structure. Decomposing waste is buried under my home! It is affecting the structure but what about contaminating my health!
My neighbor next door, XXXX XXXX, one of the first residents to occupy a home in the sub-division, witnessed the dumping of trash on my property during construction and also saw large openings in the ground during the residency of the XXXX owner.
XXXX XXXX XXXX denies this claim. I was informed that policy coverage is for structural damage only not soil. I am retired ; did not foresee this calamity, and must make the costly repairs. Absence of costly repairs will terminate insurance coverage and I will have to vacate.
This is unfair business practice. Due diligence should be a requirement for businesses.
Please advise me what steps to take to safeguard my asset and be compensated for the costly repairs.
I would appreciate your help.
Thank you XXXX XXXX
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| 05/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Older American, Servicemember |
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Suntrust Branch to ok a deposit on Friday XXXX XXXX at XXXX It was a check from a Suntrust Account into a/my Suntrust Account, listed immediately as Pending but available on my account. On Saturday the deposit was not listed in Pending or Credited on my account. I called Customer Service XXXX number and was informed they could do nothing about it that only the branch could fix it which was not open o n Saturdays , but wait until Monday. On Monday XXXX XXXX , I phoned the branch ( at XXXX opening ) that made the deposit and the Head Teller was too busy to research it for two h ours, according to the Branch Manager XXXX XXXX . No one called me back, I had to repeatedly phone the branch and was told that it was taken care of on about the fourth phone call to them, and informed it was credited to my account, funds were 100 % available, this was almost at XXXX . Attached Screen shot shows it was Credited on my account and the time on XXXX XXXX . On Tuesday XXXX XXXX , at XXXX XXXX , I received my notification update of balance on my phone and it showed the deposit amount was not in my account. Checking into online banking, it showed no pending deposit, it showed no deposit credit for the amount from Friday and the credit from Monday had vanished. I phoned the XXXX XXXX Customer Service Number of Suntrust and was informed that the deposit was n ot on my account. After a brief hold, he confirmed he saw the deposit in his records but could do nothing for the situation and that I needed to call the Branch where the deposit was made but that they were not open at the time. I phoned Suntrust Branch where deposit was made at XXXX opening, and was informed the Branch Manager was not at work yet and they did not know what time she would arrive. I spoke with the Head Teller who said she would research it again and see where the deposit was, but she said she could do nothing about it or tell me anything about it while I was on hold. As of now, the deposit is not pending nor credited on my account, and I have been unable to get to a person of authority within Suntrust, or even know who or what department actually has the authority to locate, credit and post my deposit that was made Friday, in person, at a Suntrust t eller window.
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| 09/09/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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This complaint is about SunTrust not wanting ti have as business relationship with me no longer which is fine, This is about SunTrust closing my accounts and then them placing a freeze on all of my account to where I can not have access to any money.
The type of problem that I am having with SunTrust is that time hey have placed a freeze on, all of my bank accounts to where all of my money is in the SunTrust account and now I can not pay my bills and I'm going to loose my lively hood due to this bank illegally placing a freeze on my accounts.
I have these individual or a corporation that's have been hacking into all of jy accounts my XXXX XXXX devices and all of my XXXX machines these people will not leave me alone. So I'm to believe that this is them placing these charges on my account due to that I have Benn through 2 other backing institutions prior to me being with SunTrust but neither of the last 2 banking instituions did not place a freeze on none of those accounts. In which I'm to believe or I'm to know that this is illegal for them to do to me considering I have done nothing wrong?
The companies complaint about me was that they will not tell me to why they have poached ed this freeze on my account nor will they tell me why they closed my accounts all they tell me is to read " there ' '' rules and regulations. I said what about our government rules and regulations. Theres over proceeds our government rules and regulations I'm under the assumption? They also have not sent me one single document stating anything about what is going with my banking institution with them nor the freeze on my account I had to find all this out by with me calling them???
The people that are involved ion to know that there is a XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX now? Due to these people compromising my life for the past 900 days and SunTrust of course as well in which they have denied all of my charge backs in which I DID NOTY CHARGE ANY OF THESE CHARGE BACKS ON MY BANK ACCOUNT. So now I'm the one being penalized from other 's doing to me what I would never wish done to None other????
I would greatly appreciate a answer ASAP due to that this is mine and my families lively hoods on the steak here. Please get back to me ASAP!!
Sincerely XXXX XXXX ( XXXX ) XXXX XXXX XXXX
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| 08/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I enrolled in an " SunTrust Deal '' with my eligible SunTrust debit card linked to my checking account for XXXX XXXX XXXX during the first week of XXXX of 2017. The terms stated " Offer expires XXXX/XXXX/2017. Must make two separate transactions with XXXX XXXX XXXX on wireless products or services of at least {$15.00} on the card associated with this offer by XXXX/XXXX/2017. Your {$75.00} cash back is earned within 30 days after making your second transaction. See offer details. Taxes, fees, other charges & restrictions may apply. Add'l speed, usage, and other restrictions apply. See plan details. Offer valid one time only. '' I placed one transaction on XXXX/XXXX/2017 and one on XXXX/XXXX/2017 ; both for {$16.00} each. I waited the 30 days after the second transaction and when the {$75.00} cash back did n't post, I used the online chat feature to contact customer service. XXXX told me that " I have researched this and am showing that any rewards earned in XXXX will not show until XXXX/XXXX/17 at the latest. So After processing on XX/XX/XXXX, if the reward is not there the morning of XX/XX/XXXX, please chat or you can call Online Banking at XXXX and we can go from there but we are not able to escalate because it can show up until XX/XX/XXXX. '' I waited until after the first week in XXXX and the {$75.00} cash back still did not post so I mailed customer service on XXXX/XXXX/17 and XXXX said " your rewards will be credited to your preferred account usually within eight weeks from the date of your purchase. '' I waited 9 weeks and it still had not posted.
On XXXX/XXXX/17 I called customer service. I was transferred to 4 different people, one in which, named XXXX, said she was having computer issues and said she had to put me back into the queue where I had to wait another 20 minutes to speak to the next person. In total I was on the phone, mostly on hold, for an hour and a half. Finally the person I spoke to said that they spoke to their supervisor and they said to wait until the XX/XX/XXXXand the {$75.00} will post then. I checked my account today, XXXX/XXXX/17 and it still has not posted.
Based on this experience I am not impressed my SunTrust 's customer service and I am astonished by all the hoops that one has to jump through to receive their cash back on these " SunTrust Deal 's ''.
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| 08/08/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I submitted a deposited a check via ATM deposit on the evening of Thursday, XX/XX/XXXX. The funds were available the next business day. I waited until Monday, XX/XX/XXXX to charge against the funds. Without warning my account was frozen that evening. I realized that the account was locked when I attempted to get gas this morning, XX/XX/XXXX. At that time I tried to access my mobile banking and was unable to login. I then called the XXXX customer service number and could not validate my account. I requested live help and was told by the representative that my accounts had been frozen pending closure. Without any notice. When I asked for an explanation, I was advised that the information could not be given over the phone and that I would receive a letter of explanation in the mail. Distressed by that response, I proceeded to my local branch for answers. Upon arrival I was seen by a banker who explained that the ATM deposit was being returned unpaid, and that because the account was newer, would be closed. I left the branch to confront the business that issued the check and was advised that the check had been already been paid. Furthermore, the issuer 's bank, XXXX XXXX, provided me with confirmation of the payment. When I approached my bank with this information, I was told that it was immaterial and the account was to be closed due to the invalid deposit. At this point I am in real distress as I had transactions out on money that no one wanted to be accountable for and that had virtually vanished. I repeatedly asked for Suntrust to help in this resolution, touting that XXXX XXXX had made an effort, but Suntrust simply denied interest in the funds or my continued business. I implored several times asking for administrative contacts who could help me, but was instructed to call the XXXX number. The number that refused to talk to me at all. Now I am terrified that my meager assets have been frozen, and that the money will not be recovered in timely manner ( because Suntrust shows no interest in resolution ), and I will be doubly responsible for these funds. I have no recourse at this time, with the exception of this complaint. I have tried to contact attorneys to help me navigate the system, but have been unable to find any that practiced in this area. Please please please help!
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| 06/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Im not sure if this is the right place to report this complaint but this is the direction I was pointed to ... the formal complaint is not with my bank as they are already working on an investigation ... my complaint is with coinbase at this time as I am at a dead end until I hear from my bank about the pending investigation.
Today ( XX/XX/XXXX ) I tried to purchase a pair of tickets from a seller on XXXX for the XXXX game tomorrow ( XX/XX/XXXX ) night. Initially the seller told me to use XXXX friends & family - which didnt work ; next we tried XXXX XXXX which took too long ( according to the seller ) to receive the money ; then I tried the app I use XXXX XXXX and all four transactions were refunded immediately as they canceled the payment for my protection ( all three were red flags from the beginning ). Finally the seller asked if I had used bitcoin via XXXX ; the seller told me it was secure with a paper trail just in case anything goes sour. Well theres no paper trail of the bitcoin transfer, just an address to where I sent the bitcoin. After both transactions ( two separate transactions for {$300.00} ) went through, the seller stopped responding and wouldnt answer any phone calls. I immediately called my bank & they canceled my checking card and put a hold on my account ; they opened an investigation into bitcoin to try to prove the scam. I called XXXX to report fraud and they said there was nothing they could do ; they also said there was no way to cancel or reverse any transaction.
I also contacted DC XXXX police & they told me there was no point in opening an investigation with them, that that was the banks issue.
I have a name ( s ) and associated email addresses that will be provided. The name he used to access XXXX XXXX, and I have the address in which he had me send the bitcoin. I also have a cell phone number he was using - not sure if anything is real or not, but all will be provided.
Attached are copies of the emails they tried to get me to send money to, along with two different names via XXXX XXXX, XXXX XXXX and bitcoin. Attached also is a copy of the refunded email I got via XXXX XXXX which they canceled the transaction four different times for my protection, a few text message threads with associated phone number and associated bitcoin address.
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| 10/03/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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A fraudulent marketing firm asked me to be a mystery shopper. They gave me a check to deposit in my account to cover my activities on their behalf. I deposited the check and waited for the check to clear. I checked with Suntrust on whether the check had cleared on the XXXX of XXXX in person. At that time they up sold me on a credit card and did not recommend any action on my part. Then I called a week later, the marketing firm was asking me to complete the store evaluation, suntrust 's person on the phone told me my account was being closed. At the time I had {$1300.00} in the account. I did not understand. I recieved a form letter that said the check was being held pending investigation and my account was frozen because the amount of the check was greater than the amount in the account. I tried accessing my account online and it did not exist according to the Web site. On the XXXX they sent the check back and charged me a retuned check fee and an overdraft fee. I had not removed any money from the account. XXXX XXXX I received a check in the mail for $ XXXX {$48.00} I went into the branch to find out what was happening and they cut up my debit card and said they were severing their relationship with me. This is while I have a credit card with them and an unreleased mortgage. They foreclosed on my house after refusing to refinance and refusing to modify after I paid the mortgage for a year and a half while unemployed and under employed and maintainted the mortgage on another home. I was homeless and living in my car while paying them. I was working and earning {$3300.00} per month while the mortgage was {$2600.00} and condo fee {$460.00}. that is a whole other story. It is just to say that my relationship with suntrust has been too long and they have made my life more difficult and I just feel like they messed with me again and stole {$36.00} dollars from me. They sold my house out from under me and have not released the debt because the worth of the house was more than my remaining mortgage and $ XXXX more than they sold it for. I have no idea how to get rid of this albatross. I would like to sever my relationship with them but I do not know how to do it. Really from this interaction all I want is my overdraft fee back and the credit card request off of my credit report
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| 04/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
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Web |
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I purchased a car XXXX XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX . Unbeknown to me a the time, XXXX transferred my car loan to Suntrust Bank. After quite a few problems with the car, I decided to trade in my car and purchase an XXXX ( more reliable car ) from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX , and offered my XXXX ( loan held wit h Suntrust ) as a trade in. XXXX contacted Suntrust Ba nk twice to enquire payoff amount on the SLK ( on t he day I thoug ht of trading in the car and the actual day of the trade in ( which is weeks apart ) XXXX was to ld by Suntrust that the p ayoff amount was {$25000.00}. XXXX paid the amount requested fro m Sunt rust Bank and Suntrust Bank filed a lien satisfa ction to XXXX for the XXXX . Suntrust Bank later co ntacted XXXX and outright lied stating that they did not say {$25000.00} they said {$35000.00}. XXXX XXXX XXXX XXXX , told Suntrust Bank that was NOT the amount they stated and advised Suntrust Bank to listen to their voice recording and not to tamper with the recording ... or else. Suntrust Bank later g ot back to XXXX and told XXXX that they DID, indeed, said the payoff amount was {$25000.00} . Suntrust Bank then contacted me for {$10000.00} which I knew I did not owe as I only had the SLK for under 24 months, not 72 months, and XXXX had already paid the payoff amount requested by Suntrust Bank an d my obligation was satisfied. The only amount owed by me was to XXXX for the XXXX . Suntrust Bank th en filed a lawsuit against me for the {$10000.00} and after realizing they had a " losing case, '' as I had all the pro of. Suntrust Bank requested a v oluntary dismissal from my attorney. This dismissal took place on XXXX XXXX XXXX . However, since that time Suntrust Bank has r efused to remove my name from the major credit reporting agencies which has damaged the excellent credit rating I had prior to Suntr ust Bank incompetence. Suntrust Bank also sent me a Cancellation of Debt ( XXXX ) for the {$10000.00}, and I paid the taxes to avoid any problems with the IRS. Suntrust Bank is an inept, inco mpetent, repulsive bank with numerous amount of online customer complaints which proves just how unfit this bank really is.
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| 03/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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" To obtain property by fraud, willful misrepresentation of a future act, or false promise. ( d ) In any matter within the jurisdiction of the office, to knowingly and willfully falsify, conceal, or cover up by a trick, scheme, or device a material fact, make any false or fraudulent statement or representation, or make or use any false writing or document, knowing the same to contain any false or fraudulent statement or entry. '' To violate s. 655.922 ( 2 ), subject to ss. 494.001-494.0077.
Mortgage Servicing & Procedures & Lies : Suntrust concealing the time line when the borrower entered loss mitigation procedures in XXXX in order to justify the late fees that were charged, that the borrower was reported delinquent to the CRA 's during the trial & also in order to conceal the fact that after 6 month of processing XXXX the borrower was first approved ( XX/XX/XXXX/XX/XX/XXXX ) & than shortly thereafter borrower was denied for HAMP - borrower received NO denial Letter.
Thereafter Suntrust did not apply any funds nor reinstated the loan until XXXX XXXX ( see CFPB case against Suntrust ).
Constant false and fraudulent written statements by Suntrust XXXX XXXX XXXX from Suntrust stating in letter her letter that " fees were charged because borrower was delinquent entering trial period ''. ( see attached ) Proof XXXX Borrower was assigned a point of contact in XXXX XXXX ( see attached e-mail with point of contact information ) XXXX Borrower NOT delinquent entering loss mitigation in XXXX XXXX ( see attached receipts for the two months prior - No payments past due ) - XXXX XXXX ignores the evidence & continues to deny the fact that the borrower was current.
XXXX XXXX will also refuses to acknowledge the LOST Paperwork & Faxes : Borrower provided proof that her original application was lost/misplaced, and that instead of receiving trial payments in XX/XX/XXXX as stated by loss mitigation - borrower was asked to re-submit - No trial payments could be conveyed in XX/XX/XXXX because application was lost/misplaced.
XXXX Borrower had to re-submitted XXXX XXXX XXXX & again XXXX XXXX XXXX. ( see attached proof from SunTrust bank/ Fax logs ) XXXX The application for HAMP was submitted with verified-income ( all tax returns and all documents required in the borrowers package ).
|
| 04/01/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
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Web |
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On the advice of the FBI, I 'm sending this complaint on to you. How do I report a teller for applying for a credit card in my name without my authority? On XXXX XXXX, 2015, I made a deposit with a teller at a drive through window. She informed me that Suntrust no longer used the type of debit card I had and that she could obtain me a new debit card. She asked me for a lot of personal information which I questioned and she insisted she needed the information, and she said she could not hear me from the car and insisted that I write down information for her. On XXXX XXXX, I received a letter from Suntrust regarding an application for a credit card and I did not recall the deposit or debit at the time. I called Suntrust and informed them that I had not applied for a credit card, and they said they were putting an alert on my account and would get back to me. It had been a couple of weeks, and I realized I had not gotten the new debit card, so I became suspicious and checked out the receipt from my deposit, and the deposit was the same date as Suntrust claimed I had applied for a credit card. Tonight I called Suntrust and the manager, XXXX, confirmed that the teller had applied for a credit card on my behalf on XXXX XXXX, 2015. Why? All I did was make a deposit - never asked for a credit card, and the teller gave me a long spiel about my debit card no longer being used by Suntrust. I already have XXXX Suntrust credit cards. I do not know what amount the teller applied for or what gave her the notion that she could fill out an application without my knowledge. I am highly concerned that the teller committed blantant fraud as she explained that she needed me to write down information so she could obtain the card for me. Let me assure you, I am clear that she lied by telling me she needed information to obtain the new debit card because Suntrust no longer used the type of debit card I had. She went out of her way to lie to me and then to fraudulently apply a credit card. I believe she has probably scammed other customers, and I wish to have her brought to justice. I reported the information to the manager on duty, and I beg you to investigate please. I do not have my deposit transaction on me today to upload, but the Branch information should be on the receipt. Best regards
|
| 05/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I bought a new house in XXXX of XXXX. The servicer of my mortgage loan was/is XXXX XXXX XXXX, XXXX. Beginning with the first mortgage loan payment, I requested that my bank, SunTrust, send the payment directly to XXXX XXXX. According to SunTrust, the first two payments were mailed to XXXX XXXX as paper checks. All subsequent payments have been made electronically.
In XXXX or XX/XX/XXXX, XXXX XXXX informed me that my loan was delinquent because I had missed the first two payments. This was a shock to me since SunTrust had mailed the payments directly to XXXX XXXX and debited my account accordingly. I contacted XXXX XXXX and, after conducting a thorough review, XXXX XXXX denies ever having received or processed either of the paper checks that SunTrust supposedly mailed to XXXX XXXX. XXXX XXXX has assessed late fees and penalties on my account and considers it to be severely delinquent. In XX/XX/XXXX, XXXX XXXX sent a notice of default and intent to accelerate the loan.
Meanwhile, I contacted Suntrust and spoke to someone within their " fraud investigations '' unit. According to the fraud investigator with whom I spoke, both checks were cashed at XXXX XXXX Bank. I submitted an Affidavit of Fraud to SunTrust, but was told that I had the wrong affidavit form and that I would need XXXX to sign a Payee 's Affidavit instead. Unfortunately, XXXX XXXX refused to sign the affidavit provided to me by SunTrust because XXXX XXXX never received any check. This was in XX/XX/XXXX.
Since that time, I have learned that XXXX XXXX is a defunct bank that closed its doors in XXXX. Moreover, I have viewed images of the cancelled checks that SunTrust allegedly mailed to XXXX XXXX, and neither one has any signatures, endorsements or codes/numbers on the back of them. Part of me wonders whether the checks ever even got mailed by SunTrust, or perhaps they were addressed incorrectly and sent back to SunTrust after the bank had already debited my account.
I have spent many hours on the phone and writing emails top SunTrust only to get nowhere. Neither XXXX XXXX nor SunTrust have any interest in getting to the bottom ofg what happened with my two payments. I'm concerned how this situation is impacting my credit. I have repeatably asked XXXX not to report negatively to the bureaus to no avail
|
| 04/24/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
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On XXXX , I signed a contract with XXXX XXXX XXXX , XXXX , to have my home painted with XXXX . Shortly after the work was completed I received notice that the loan had been sold to XXXX XXXX , a program of SunTrust Bank, a Georgia banking corp., in XXXX , Georgia. My minimum monthly payment on loan # XXXX XXXX XXXX XXXX , was set at {$130.00}. Nearly every month I made payments of {$150.00}, but some months I paid double that amount, {$300.00}. In XXXX , ( o r possibly sooner, not sure ), I started receiving notices by mail as well as phone calls that I was behind in my payments. I tried asking the callers how I could be behind when I was making payments that were in excess of the minimum due and was therefore, in reality, ahead of schedule. I was never given an answer. The only response from them was, " When are you going to pay. '' After several rounds of this I quit answering the phone calls. I continued to make 'extra payments but no matter how much I paid ahead, the calls and notices continued. In XXXX , I sent a letter to XXXX outlining the payments I had made vs. the minimum amount due and showing the amount that I was ahead by. I have never been given the courtesy of a response. It should be noted that it was a long time before I started receiving a monthly statement. The first one I find in my file is for XXXX . In XXXX , I sent a second letter to XXXX with a {$500.00} payment. In that letter I reiterated the info and facts of the first letter as well as a request of credit for all late fees and charges I have made by their errors as well as a payoff amount for the loan. As of this date, I have received no response to either of my letters. I received a debt collection letter dated XXXX , that states that I am behind {$260.00}. There is no credited acknowledgement of the above indicated payment of {$500.00}. On their paperwork they have indicated, " There is no prepayment penalty. '' Yet it is clear to me that I am being penalized for doing just that. I am at a complete loss as to how to have this problem rectified, thus I am contacting you because I want to pay off this loan. I want to pay what I owe but nothing more than that. Thank you for your time, interest and assistance in resolving this matter! XXXX
|
| 04/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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On XX/XX/2018, I made my car payment of {$420.00} cents as I do every month on the XX/XX/XXXX. My car payment isn't due until the XX/XX/XXXXof each month, but I pay it early each month. This particular month, I didn't know that I would be trading my car in on the XX/XX/XXXX ( which was an upside down loan, the car was worth less than I still owed on it, and the interest rate was absolutely horrible, as well as the company who it was financed though. ) This amount was never applied to my loan balance until the XX/XX/XXXX. I attempted to get my money back from the company and my bank, Suntrust. The company ( XXXX, XXXX XXXX XXXX..a perfect name for them btw, as they take advantage of people with their predatory lending ) was contacted on the XX/XX/XXXX and XX/XX/XXXX asking how I could get my money refunded, as when I traded the car in on the XX/XX/XXXX, the car was paid off by the dealership that I'd received my new car from. I was told that I would need to reach out to my bank Suntrust in order to get my money refunded. I did that and had to file a dispute of payment on my debit card. My claim was denied as Suntrust claims that it was a valid transaction. I never said that it was not a valid transaction and that is not the reason that it was disputed. I disputed it as i was told by XXXX that was the only way I could get my money refunded. This charge was pending on my account until XX/XX/XXXX, which is after my car had been paid off by the dealership who gave me my new car. It was applied to my payment after the fact that the car had in fact been paid off. Before I attempted to file a dispute claim, I tried to do a stop payment with my bank. I was told that since the payment wasn't showing as a recurring charge on their software, that it couldn't be stopped. I can show a years worth of payments made on that same date if needed. Suntrust failed me with their dispute system, as the reason they gave why the claim was denied had nothing to do with the reason the claim was filed in the first place. They are literally one of the worst banks to work with, even after sending in all of the proof that the car was paid off on the XX/XX/XXXX, and the payment was still pending on my bank account until the XX/XX/XXXX, meaning that the payment was never applied to my car loan.
|
| 02/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, XXXX SunTrust XXXX branch rep XXXX XXXX opened a personal acct for me, I clearly told her to put promotional code on the new account with {$200.00} bonus. I also asked her to print out promotional offer for me. I have email confirmation showing the account was enrolled in promotion on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I had more than {$2000.00} direct deposit came into my account which qualified the promotional offer requirement. This Rep told me it takes about XXXX weeks to get promotional bonus. Now it 's been 5th week after the account met all promotional requirement. However when I contacted the customer service, I was told emailed that no promotional code listed on my account. Also when I checked the promotional status of enrollment, it shows not qualified.
Same as my business account. On XXXX XXXX, XXXX XXXX XXXX opened my business account and handed me promotional offer. I have email showing business acct was enrolled in promotional offer on XXXX XXXX, XXXX. On XXXX XXXX, XXXX I enrolled in XXXX XXXX which qualify the promotional offer. However she blocked my enrollment for 20 days until XXXX XXXX, XXXX in order not to pay {$400.00} promotional bonus. On XXXX XXXX, XXXX she told me it takes 4-6 weeks to receive {$400.00} promotional bonus. Now 5 weeks passed since acct met promotional requirement. But enrollment shows not qualified.
At this branch, I experienced terrible services and harassment. Such as missing deposit on XXXX XXXX, XXXX ; Cancel account on XXXX XXXX, XXXX ; Blocking online banking on XXXX XXXX, XXXX ; Blocking other features on XXXX XXXX, XXXX ; Blocking enrollment of Online Cash Manager for 20 days ; Violation of customer privacy to copy Deed and Settlement sheet to obtain physical address which against my will on XXXX XXXX, XXXX ; Repeatedly let customer sign same document 6 times ; Extremely bad attitude and harassment at branch on XXXX XXXX, XXXX and other occasions ; etc. I have filed 3 complaints just within 10 days of account opening with this bank regarding all these listed issues.
I am asking {$600.00} promotional bonus to be received immediately since all requirement were met. I also ask this bank to delete all my personal information to close the accounts AFTER I RECEIVE MY DEPOSIT AND THE PROMOTIONAL BONUS.
|
| 02/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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|
This dispute involves SunTrust Bank re : Mortgage Loan # XXXX We received our last statement XX/XX/18, due XXXX. ( not late until XXXX ).
We paid the Total Amount Due : {$720.00} through XXXX XXXX Bill Pay on XX/XX/XXXX.
XXXX XXXX has confirmed the payment was received via electronic transfer by XXXX We left town for the Holidays, upon return we received three documents from SunTrust.
1. A letter of Congratulations dated XXXX that our last payment was less than a monthly installment and to please call for a payoff.
2. A letter dated XX/XX/XXXX informing the XX/XX/XXXX payment of was not received.
3. A letter dated XXXX informed us we had requested a payoff.
[ Please note : we did not request a payoff until XXXX. We paid it off XXXX. ] This letter also stated our payment, Total Amount Due : {$720.00} was held in suspense.
This letter also listed an {$84.00} recording fee, which has not been disclosed prior to this letter in any other correspondence.
We received mail until XXXX, and not one of these letters was delivered by that time. We then left town for the holidays, returning XXXX.
We contacted SunTrust Bank the first Monday after our return XXXX and wired the payoff they requested at that time, which included a late fee or {$90.00}. In addition, they reported that we were 30 days late with our Total Amount Due payment, which XXXX XXXX XXXX has confirmed was received by XXXX and transferred XXXX.
We have contracted the Credit Dispute Department and they will not talk to us or give their full name or identification numbers. We are now trying to obtain a new mortgage loan for retirement property and we were declined initially because of this inaccurate credit report. We have submitted a formal dispute via fax, they will not give out a phone number or email for this department. We are asking that this action be resolved by XXXX. We have an inspection of the new property scheduled on XXXX. The cost of this inspection and loss due to higher risk, which we do not deserve, could be over {$10000.00}. To this end, we are soliciting an attorney to litigate this error. We have documentation we are happy to share, including mail from multiple offices clearly indicating that self-automation or lack or awareness is a problem with this Bank / Mortgage lender.
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
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|
Web |
|
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Attempted to search for airline tickets thru XXXX XXXX on XXXX & XXXX. Did not complete transaction as XXXX raised prices significantly while processing. Backed out/cancelled search and XXXX placed XXXX separate " pending '' holds for a total of {$3200.00} ; {$2200.00} on XXXX and the balance on XXXX. Called my bank Suntrust to let them know I DID NOT purchase tickets. Called XXXX and basically got nowhere and was told XXXX business days was typical for them to hold monies from my account. On XXXX Suntrust did a Credit Memo for {$2200.00} and indicated that " once XXXX released the hold, the credit memo would be " paid back '', basically balance back to what it should be ''. The customer service rep never indicated that there was a specific time hold, i.e. XXXX hours and that the Credit Memo would only be for that specific time period. Today I see the Credit Memo dropped off and my account is in the negative as well as my savings account because I have overdraft protection. I called Suntrust, again, and was told that the Credit Memo was time specific and as of today, XXXX there appears to be a XXXX hour hold from XXXX XXXX. I stated that today would be day XXXX and yet there is another XXXX hour hold? That leads me to believe that XXXX will not release the hold until Monday XXXX at the earliest ... How is it that Financial Institutions can manipulate funds in this manner? If I indicate that NO PURCHASE was made and a XXXX party vendor is simply tying up my funds XXXX business days for their use, that my banking institution does not have the authority to release or drop a hold. How is this any different than a fraudulent transaction? Again, I DID NOT purchase tickets ; merely searching.
As a side note, on Tuesday the XXXX my First call was to XXXX XXXX who said I needed to call XXXX and then my bank. I then called XXXX and was told to call XXXX XXXX. Neither had any confirmation information indicating to me that there definitely was no pending transaction. I did call Suntrust and on a Conference call with XXXX was told that a Fax would be sent ASAP from XXXX with all pertinent information that Sunturst needed to release the monies ; that Fax never was sent. I called XXXX, again, got a Supervisor who pretty much told me, " Oh Well, XXXX business days ''.
|
| 06/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX, I opened a select checking account at SunTrust at their office located at XXXX XXXX XXXX, XXXX, TN XXXX. This was after multiple attempts to open it online and over the phone which all failed. I was told that I had to go into the office to open it, so I did.
I opened this account with SunTrust only to fulfill the requirements for the SunTrust XXXX Mortgage Program I joined for my condo. SunTrust sent me a flyer advertising a {$250.00} reward for opening this select checking account ( attached ). I read the flyer and was under the impression that as long as I fulfill all the requirements listed there I'll receive the {$250.00} reward. So I made the {$100.00} deposit on account opening, set up the $ XXXX monthly direct deposit for my salary, and made more than 10 purchases with the SunTrust debit card. On XX/XX/XXXX I contacted SunTrust via their online portal asking how I would receive the award and I was told that to receive an answer I had to go into a local office. So I went to their office on XXXX XXXX on XX/XX/XXXX and the agent told me the problem was that the promo code on the flyer was not documented at the account opening. He said he would contact relevant staff the same day. There was no update. So I contacted the staff who had been in touch with me as I was originally applying for the mortgage. There was still no update.
This is very frustrating because during the multiple contacts with the SunTrust staff when I tried to open the account online, over the phone, and in person, no one ever asked me about promo code. And the so-called promo code was placed on the top of page 2, which doesn't even say " code ''. Therefore I didn't notice it until the agent told me about it when I was at the XXXX XXXX office on XX/XX/XXXX. Now SunTrust is saying this was not documented at account opening and refusing to give the {$250.00} reward. I feel like this is a trick they play on me as a customer. The process of opening this checking account has been long and difficult enough, and now they are refusing to fulfill their promise even though it's not my responsibility.
The whole experience of mortgage application and checking account opening with SunTrust has been unpleasant. I would not recommend it to anyone based on what I went through.
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| 10/13/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened a new account with XXXX approx 3 weeks ago. On XX/XX/XXXX, I deposited a check for {$1000.00} into the new account, which was the majority of the funds in my old account. The following day, I decided to go ahead and write a check for the remaining balance in my old account and deposited it to my new ST account, for approx {$160.00}. The following week, the {$1000.00} cleared my old account but was placed on hold with ST. Days passed and it was still on hold. At that point, I had several automatic bill payments come out of my old bank account. I did not switch these auto pays to my new account because the funds still were not available and I did n't want my new account to become overdrawn. I also could n't cancel the autopays because payments were due and pending. So, when ST went to collect my 2nd deposit of approx {$160.00}, the check was returned NSF. As a result , ST froze my account and put it under investigation, restricting me access to any of my funds. I now have no money in my old account and ca n't access any money in my new account. This has been the case since about XX/XX/XXXX or XX/XX/XXXX. No one at SunTrust will tell me what is going on or when I can access my funds. They wo n't even tell me anything I can do to help. I have n't had any funds since XX/XX/XXXX when my check cleared the old account and was placed on hold with SunTrust. Any direct deposits into ST are instantly unavailable to me. I do n't even know my account balance. Meanwhile, my old account continues to be overdrawn and accumulate overdraft fees because I ca n't withdraw my money from SunTrust in order to bring the account to positive. I ca n't pay rent, but food, gas or dog food. They wo n't tell me what is going on or when I 'll have any of my money. I do n't know what to do. I did n't even get notification of an extended hold on my XX/XX/XXXX deposit until I received the notice in the mail on XX/XX/XXXX, 6 days after the deposit. The letter even states that I was not notified of the hold at the time of deposit. They are holding my money XXXX and now I 'm suffering because of it. By the end, I 'll probably have all my funds depleted due to the massive amount of overdraft fees being charged to my old account because I have no way to rectify it. Please help me.
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| 10/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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I will be XXXX years old on my next birthday. I must admit I do not check my balances on a daily or weekly basis. I check once a month.
When I checked, I found out that {$400.00} had been removed from my account at a Drive In Window. The bank insisted that I made it after I deposited a money order and then went back to take out {$100.00} for a homeless friend that was sitting on the curb near the bank.
I went back to the bank to ask questions. I was told that they could not give me any information because the teller who did the transaction was not at work that day. I continued to call and was told that all transactions showed my drivers license and bank card so that was their proof that I had made the withdrawal. I then went to another bank and they could not help me. Then I went to a third bank and filed out a form and had it notarized. The money was put back in my account but with no reason why this happened.
On XX/XX/XXXX they finally sent me a letter from the Fraud Assistance Center that told me they were HAPPY to inform me that they credited my account with the {$400.00}.
I went back to the Olney branch several times to ask why this happened. I was told that the Fraud division had not given them an explanation. I kept getting the RUN AROUND. I have 4 accounts with this bank. Three of them are in my trust. The one that is in question is not. So last week I closed that account and put it in Navy Federal where I have my other accounts.
My fear is that it might happen again. It is a lot of trouble changing banks. My XXXX sons social security check in which I am the representative payee will have to be changed and the account with my social security check will have to be changed. It will be so hard for me. I dont know which bank to change to. I would love to do XXXX but cant get in. My father was a 100 % XXXX vet but he did not have XXXX. I have two sons who are veterans and have XXXX but the company goes down so my sons could not pass it up to me. I am so fearful about my savings account and two checking accounts that remain in Suntrust b The Claim Number given to me by the Fraud Assistance Center is XXXX Please help. I deserve some type of explanation if it were a banking error or whatever. Thanks in advance for any help that you can give me.
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| 01/24/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XXXX XXXX, XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XXXX of XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all XXXX credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only one mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than one mortgage. The Lender also failed to do the following in order to perform the correct research regarding the false information they are stating are on her credit report. 1. Supplemental Credit Report and 2. The XXXX a repository of information that enables underwriters to find all sorts of information related to the borrowers.
We feel that SunTrust did not respond to our above addressed concerns and are requesting that re-review to be submitted
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| 01/31/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
Older American, Servicemember |
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XX/XX/XXXX.
Opened an account at SunTrust Bank in XXXX, XXXX. using a {$5000.00} cashier check written on XX/XX/XXXX from our XXXX XXXX XXXX account in XXXX, XXXX. Was told the account was opened and given over the counter checks, ordered checks and ATM debit cards.
Week of XX/XX/XXXX Went to the drive through window at bank to deposit checks into the newly opened SunTrust account. Was told to park the car and come inside bank due to a red flag! Once inside bank was told that there was a legal problem and was being sent to the fraud department and that the account had been closed. No explanation was given about why the account ended up in fraud department but we would receive a letter of explanation within 15 days.
Weeks of XX/XX/XXXX to XX/XX/XXXX Many trips to Suntrust Bank to talk to management about an explanation for closed account, where our {$5000.00} was and when the money would be returned. NO ONE in the bank could answer any questions nor could they get any answers by calling the fraud department themselves. We were told it was in PROCESS with no date of money being returned.
XX/XX/XXXX Received 1st letter from SunTrust bank with no explanation and only stated that we would have to make alternative arrangements for banking needs. We were given a number to call to get more answers. 1-800-suntrust. After numerous calls over the last 2 months all we are told is it is in process.
XX/XX/XXXX Second letter from SunTrust stating fraud department reviewed the status of the funds and they were still trying to determine if the funds should be returned and a check would be received in 15 days.
XX/XX/XXXX XXXX XXXX XXXX sent letter of reclamation and copy of cleared cashiers check, per SunTrust request.
Week of XX/XX/XXXX SunTrust confirmed they received the necessary documents. And again we get its in process XX/XX/XXXX It has now been two months and we still have no answers nor have we been refunded our {$5000.00}. We have contacted management at XXXX XXXX XXXX in XXXX and were told the cashier check had cleared through SunTrust and we were sent a copy of the cleared check.
We are in our late XXXX and live on a small fixed income. We have moved to XXXX to live with our daughter and this has been an absolute nightmare!
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| 08/14/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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In XXXX 2001, XXXX 2001, and XXXX 2001 I apparently took out student loans with Sun Trust Bank located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA-XXXX ( XXXX ) XXXX as a student at XXXX XXXX XXXX an unaccredited for Profit College or Diploma mill based in XXXX, MO. The school is no longer open as it closed almost 2 years ago. Because I was misled into thinking XXXX XXXX was an accredited College similar to another school in my city. I later learned this College was not accredited by an instructor named XXXX XXXX who was essentially hired off the street based on a referral by XXXX XXXX XXXX another instructor neither of which had any experience or academic credits to teach the program I was enrolled in, XXXX XXXX. The amounts of the loans were XXXX, XXXX, and {$2600.00}. The XXXX amount I am not sure where it came from. I only know it exists because it is on my credit report. Long story short i defaulted on my Student Loans and years went by. I tried to pay them again and fell short. This last time I decided I had enough of taking these peoples word for it and I found the Missouri Department of Higher Education less than helpful in answering questions eventually XXXX XXXX got involved and it became even harder to get the answers I needed. What I wanted to know or see was proof that I owed these monies. The last time I requested proof I was sent some type of spread sheet of payments made. This spreadsheet didnt show any terms, my signature, anything at all just amounts of money. I eventually got on an Income based repayment program which i only agreed to because they said my payment would be {$50.00} to {$80.00}. This was not true. The payment they wanted from me was over {$300.00} a month. I was told that If i made 3 payments of that amount they would help me reconsider my payments. What I absolutely hate about all of this is that the monies I was said to have borrowed apparently increased exponentially because by the time MDHE got involved I am told the amounts I now owe are {$6200.00} and {$3800.00}. All of this for less than a sub par education. I would also like to add that I recently had to request my transcript for this school and believe they gave me credit for classes I do not recall taking. Specifically an XXXX XXXX course.
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| 01/12/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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In contacting bank on check card service which overdraft fees were charged ; we never opted in for overdraft protection. they constantly said it does not apply to you but would never show me the rule and it is not in the rule book for business accounts.
The XXXX deposit on the XXXX of XXXX XXXX was cash ; but they called it a check and waited a whole day to show credit on XXXX/XXXX/XXXX. if credit was shown on XXXX of XXXX none of this would of happened also all these debits for the XXXX was on monday. some of those debits incurred on the XXXX & XXXX on the weekend when were they processed sunday night? when the bank says they wouldnt process anything until monday night again they were check card purchases ; they authorized it because the money was there and we did not opt in for overdraft protection. The XXXX deposit showing cash deposit is conveniently unreadable.
On wed XXXX of XXXX purchase of {$230.00} check card purchase was authorized and a deposit for {$160.00} they did not deduct the {$230.00} from the account that day or the next day they deducted the XXXX deposit that was made showing the account had nothing pending the next day as the record show ; on the XXXX here comes XXXX ; again monday ; when the XXXX came nothing was pending creating a false available balance. Also XXXX XXXX transactions made on XXXX XXXX at XXXX and XXXX they posted on the XXXX monday these were not processed. we should not be charged overdraft fee on check card purchases like they say we opted out.
XXXX & XXXX and XXXX overdraft fees on statement does not say what these fees are for but its check card purchases which they are hiding.
overdraft fee XXXX overdraft item fee also.
check number XXXX came in XXXX/XXXX/XXXX friday it was n't taken out of account or even posted until XXXX/XXXX/XXXX.
In XXXX overdraft charges on XXXX/XXXX/XXXX & XXXX/XXXX/XXXX overdraft items still not saying what it is for.
went into bank in XXXX XXXX for XXXX unauthorized filled out forms for XXXX ea never received credit.
After complaining to bank they would not let me online again.
Went into bank they denied everything and they seen the XXXX deposit they deducted and did nothing about it acted stupid blamed wife shopping too much she isnt even on account.
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| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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|
Web |
Servicemember |
|
On Monday XXXX XXXX, XXXX, I opened a small business checking account in person at the SunTrust branch located at XXXX XXXX XXXX XXXX XXXX, in XXXX XXXX, Fl. At no time during my sign up did the banker explain to me that he was enrolling me in their Overdraft protection program. I did not use their debit card much until returning to XXXX XXXX in XXXX of XXXX and after experiencing fraud issues caused by skimmers with my other primary bank.
In XXXX XXXX I began to notice that SunTrust was delaying the debit of certain charges that I had made by as much as XXXX days as such reporting a higher daily balance on my checking account. I routinely check my checking balance either online or via their customer service telephone system before making purchases to verify my balance. I did contact them via telephone regarding one such merchant ( XXXX XXXX XXXX ) that I use almost daily for the purchase of fuel which is one of my highest expenditures. The representatives stated that the posting delay was caused by the merchant. I then used XXXX different debit/credit cards at the same station using the same fuel pump and the charges were either debited immediately or by the next morning by XXXX XXXX resulting in an accurate daily balance on my account with those card issuers. I also noticed that their ATMs do not automatically provide balance information after I make a withdrawal or deposit, again leaving me in the dark concerning my actual daily balance.
On XXXX XXXX, XXXX, I filed an official complaint with SunTrust in writing using their online system regarding them enrolling me in XXXX protection without my knowledge and the XXXX in fees levied against my account ( see attached ).
I then followed up with a written request to credit and close my account on XXXX XXXX, XXXX ( see attached ).
On XXXX XXXX, XXXX, I filed a formal complaint with the BBB and SunTrust refused to address my complaint ( see attached ).
On XXXX XXXX, XXXX, I received a collection letter from a third-party agency requesting a payment of {XXXX} on behalf of SunTrust Bank ( see attached ).
I have not enrolled in any Overdraft protection program since experiencing fraudulent activity with XXXX Bank resulting in a class action lawsuit and settlement in XXXX.
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| 06/05/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
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I have recently paid this account off yet i still see late payments on this account. initial issue was in XX/XX/XXXX, when making my payment a suntrust representative asked if i wanted to skip a payment and put to end of term. I agreed because i trusted was as innocent as he portrayed. i went on vocation and came back to realize that not only did this guy not push payment to end of term but my car got repossessed. XXXX assured me and apologized for inconvenience and allowed me to get car back with payment all fees. Advised that they will be able to push payment out to end of term and be able to reduce payments to XXXX at no time was this explained that this would be considered a " Modified loan ''. I was tricked into believing i was refinancing. few years later when i was declined for many banks to get a new car loan after my son was born i realized that this account had XXXX late and a repo that was not suppose to show. I called suntrust to also find out that the so called modification they had was for a different vehicle. when i mentioned this to legal they immediately tried to coerce me into signing another modification with 07 nissan 350z because in exchange to remove all late fees on the account. keeping from me important information like GAP coverage may be forfeited, higher overall paid for loan and potential negative aspect on credit report. My vehicle was later involved in a accident and vehicle was paid off. At this time no Late payment were suppose to show on this account and loan modification was suppose to be taken off since they had wrong loan modification paperwork signed on my account and i was not aware i even had a loan modification. I was even told that if i refused to sign new loan modification that they would make me pay the account current by retro modifications back at its so called inception. i called yesterday XXXX and spoke with a lovely representative whom could n't even pull up my information yet suntrust continues to verify this account with credit reporting companies as " Valid ''. When i asked her if she could send information pertaining to account and modification that was on wrong vehicle she said they had nothing. So how can they continue to report information that they ca n't even verify?
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| 09/30/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear CFPB Staff, My name is XXXX XXXX. I am the owner of XXXX XXXX XXXX XXXX XXXX.
We are writing you concerning the theft of our funds by SunTrust Bank and their wrongful damage towards our business credit score and my personal credit score.
We have a SunTrust Bank Account. In XXXX of this year XXXX made multiple charges on our account which we did not authorize. This brought our account to almost - {$500.00}.
We disputed these charges with SunTrust.
SunTrust stated clearly to us that once the disputes were resolved the overdraft fees would be reimbursed to us as well. We were told this by three different SunTrust employees in their call centers.
The disputes were finally resolved and ruled in our favor XX/XX/XXXX. We were informed of this today when we again called SunTrust 's support number and requested their Claims Department to inquire the status of the dispute. The representative at SunTrust 's Claim 's department even told us all the fees and been reversed, as that is standard protocol not on just for SunTrust but for all banking institutions.
I then requested the Claims Department representative transfer me back to the main Customer Service department so that I may stop receiving paper statements. She agreed and put me on hold. After some time instead of speaking to the Customer Service Department the same Claims Department representative picked up and informed me that SunTrust had not reversed the fraudulent overdraft fees as they were suppose to, closed our account without even reaching out to us, kept our remaining Positive Balance, and sold a fraudulent debt to a collections agency damaging both our business credit and my personal credit in the process!
We at XXXX XXXX XXXX XXXX XXXX XXXX would have soon been eligible for loans to further our business. SunTrust has ruined our ability to do so.
I am looking for a house for my daughter and myself. SunTrust has crippled my personal credit score as well.
Along with stealing our funds and closing our business account!
In addition to this we had been pre-approved for their Business Credit Card and had been told at their local branch where we had begun the application process that we would receive it after our dispute was finally processed!
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| 10/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Property damage loss occurred on XX/XX/18. I paid {$6300.00} on XX/XX/18 for a plumbing repair caused by a covered peril ( lightning ). I received the settlement letter from XXXX dated XX/XX/18 and received my check on XX/XX/18 payable to me and Suntrust Mortgage. Per Suntrust procedures I had to endorse the check and send to them along with the 16 page adjuster worksheet, I received my endorsed check back from Suntrust on XX/XX/18.
I called my insurance company ( XX/XX/XXXX ) and asked why the plumbing was not included in the initial settlement when the loss was caused by a covered peril - the claims adjuster made the correction and issued a supplement to the settlement and I received the reimbursement check sometime during the week of XX/XX/18. It was made payable to me and SunTrust Mortgage.
The manager at my local Suntrust branch told me to follow the same procedures as the first check - I endorsed and sent via XXXX to Suntrust on XX/XX/XXXX along with my proposal dated XX/XX/XXXX and invoice dated XX/XX/18 from XXXX XXXX. I was expecting to receive my endorsed reimbursement check back from Suntrust by XX/XX/18. I called them on XX/XX/XXXX to get a status and was told they were holding my check because apparently it was not clear the invoice was paid in full so I submitted my paid receipt and a copy of my credit card statement showing the charge made on XX/XX/18.
On XX/XX/18 Suntrust has cashed my reimbursement check and is holding my money and a check will be made payable to me and my contractor. I received a letter requesting a revised adjuster worksheet, contractor proposal, contractor waiver of lein and contractor W9. There is no revised adjuster worksheet, I have already submitted the contractor proposal plus my invoice and paid receipt. I called XXXX XXXX XXXX to get the lein statement and w9 - the job is done, and paid in full by me on XX/XX/18, and they have no need to get involved at this point.
On XX/XX/18 my claims adjuster submitted a letter to Suntrust on company letterhead stating the check issued on XX/XX/18 in the amount of {$4300.00} was intended to be a reimbursement to me for a repair paid in full by me. XX/XX/18 Suntrust acknowledged receipt and continues to refuse to release my money.
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| 01/15/2016 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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|
Web |
Older American |
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I purchased a vehicle from XXXX of XXXX, North Carolina on XXXX XXXX, XXXX. The vehicle became totaled in an accident on XXXX XXXX, XXXX. It was financed through SunTrust Bank. There was GAP coverage through XXXX XXXX XXXX XXXX, a prior complaint to the CFPB from me ( Case # XXXX ) could not be resolved as XXXX was not an entity registered with your agency and the matter has been referred by you for further investigation. The initial comprehensive coverage on the car was paid promptly by my insurance company, XXXX XXXX XXXX. Despite a clear representation in the contract. " This addendum amends the Retail Installment Sales Contract /Lease Agreement, whereby the Dealer ( and, following any assignment, the assignee financial institution [ you-SunTrust Bank ] agrees to waive YOUR [ my ] liability for the difference between the " Amount Owed '' under your Retail Installment Sales Contract /Lease Agreement and the " Actual Cash Value '' of the Vehicle as of the date of the " Total Loss '' of the Vehicle resulting from a peril covered by the automobile insurance company, subject to all the terms and conditions contained in this Addendum. You, the Dealer, and the assignee Financial Institution [ you-SunTrust Bank ], agree that, in any event Your claim for a waiver under this addendum is honored, no fee or interest shall accrue on the amount waived following the date of loss.
After a great deal of time and what I believe to be a deliberately contrived delay, the GAP amount was finally paid. Meanwhile SunTrust attempted to extract from me the full amount of the monthly payments under the installment agreement and despite their now having been paid by both the indemnity insurance company and the GAP coverage, they 're still attempting to extract the installment payments from me. Even though they may be owed the amount of {$540.00} ( See pdf XXXX ) They are attempting to extract {$840.00} ( See pdf XXXX ). They are continually calling on my cell phone, most noticeably on XXXX XXXX, XXXX when I was in an ambulance being transported from XXXX hospital to another having been diagnosed with a XXXX XXXX. I asked them to leave me alone and communicate solely in writing. Despite, that request, they continue to harass me by phone.
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| 10/10/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
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I have been trying to get a person bank account and have been denied by every bank due to being report to XXXX or XXXX. I understand that when an account is left in the negative or overdrawn that will affect the ability to get an account in the future and i have been working to get these problems resolved, but the last one i am trying to clear up is with Suntrust Bank. They have something on my banking history reporting fraud. I have tried countless times to contact someone that can tell me what this means and why it is on my banking background. Each time i call i am transferred over an over again and nobody can give me any answers and its becoming so frustrating. I opened an account at suntrust about 6 years ago for a XXXX my sister and I were starting together. We opened the account with a a check deposit that we received from the company called XXXX. The check was for about XXXX dollars. I opened the account and deposited this check and was told it would be held for 7 to 10 days because it was a large check and a new account. I understood an had no problem waiting. A few days later i received a notice in the mail that my account was closed and I would receive the money deposited by mail with in 30 days. When i called the bank to inquire why the account was closed i could not get an answer as to why and again was given the run around as to why they closed the account. It took me 3 weeks of calling and going in the bank to get the money we had deposited and due to them holding this large check an delay us getting the funds, our business suffered. We were a new start up bakery and were relying on that money to fill orders, buy supplies and fill orders from the XXXX promotion we had done. Once the account was closed i was unable to open an account any where else because suntrust reported to the what ever system banks check when you apply to open an account that i had committed fraud and my account was closed. Its been 6 years now an it still remains on my record and i have not had a checking account since. I just applied at XXXX XXXX and again was denied because of this suntrust incident. Im beginning a new business venture and need a bank account but do not know what i can do to resolve this issue. Thanks XXXX!
|
| 10/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, my son passed away. In early XX/XX/XXXX, I contacted the mortgage holder, SunTrust, to begin the probate process in order to prepare to either sell the house or retain the house for his sister. A customer service representative said they would mail me a package of forms to complete. After waiting a couple of weeks without receiving the package, I followed up. The customer service representative said they needed a death certificate which we faxed to them. Still no package, called again, customer service representative said there was not record of receiving the fax and they needed death certificate and probate letter in order to send the forms. Still no package of forms. Repeated calls, no response. After we closed bank account and auto draft payments stopped we received letter addressed to my son that account was delinquent and a home preservation client representative had been assigned and he was instructed to call or email her. Telephone number provided was not reachable by direct dial had to go through customer service to leave message. Multiple voice mails and emails were unanswered of a 4-6 week period. Letters continued to come. Finally notice of foreclosure from an attorney firm. Talked with the legal firm, they could not provide us a contact. We finally got a call back from the home preservation client representative. She said she would send a package of forms for us to fill out to stop the foreclosure sell and allow us to sell the home in order to regain the equity. She asked us to send the death certificate and probate letter again. We did. Two weeks, no packet. Left message. She called and said did not receive death certificate. We provided the receipt number documenting it was received by her company. Six weeks, no packet, no return call from messages left, no emails answered. Foreclosure attorney continues to move forward with foreclosure sale. We need someone to stop this sale, provide us the paperwork so that we can put the house on the market and sell it. We need time to sell the house. We just recently received the payoff amount from the foreclosure attorney. SunTrust would never provide that to us. My grandson wants to try and buy it but he can not do so in the time remaining.
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| 08/28/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
Servicemember |
|
On XX/XX/018 I XXXX XXXX with business name : XXXX XXXX went to SunTrust website XXXX : XXXX SunTrust advertised to Open Business Checking account and deposit {$1500.00} within the first 30 days of account opening and you would get {$200.00} bonus.
I click on the advertisement directly on Suntrust.com website ( Learn more ), then clicked on the apply button with the promotion code XXXX. Then I funded my business checking account. In a few days I called to check on my application status and I was told by the SunTrust rep to go to the branch to verify my business address. I went to the branch and my account was fully approved.
I started to make deposits into my business account and reached the {$1500.00} deposit requirement in less than 30 days.
I called SunTrust to let them know I had made the qualifying deposits and inquired on when I will get my {$200.00} bonus.
I was then told that the promotion was not on my business checking account. I asked the rep how could this be the case, this was the promotion you advertised on your website and this what I applied for. I told the rep why would I make deposits of more than {$1500.00} and then call about the promo I applied for, and I told the rep again this is the account your advertising on your website and now youre telling me I dont have the promo.
I felt like this was a bait and switch tactic for SunTrust to get business to put money in there bank.
I asked for a Manager and the manager opened a ticket and told me they would get back with me.
I received a call about a week later and a SunTrust rep told me that I was not getting the promo because even though there offering the promotion they did not see the promo code on my application.
I then receive another call from a SunTrust Branch rep telling me that the promo code was applied to my account.
Then I got a 3rd call from the promotions department telling me they did not see the promo on my application.
After all these calls with different info, I contacted the Branch again and was told I would be contacted again because I filed a complaint.
I want to sue this company for false advertisement, wasting my time and my money with my business, I want my {$200.00} bonus applied immediatly.
|
| 03/27/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX I called XXXX XXXX regarding an issue with my monthly statement that was the exact same issue I had last year. Since she was able to help then, I thought she would help me this time. I was wrong. She said she was able to help last year because I had a complaint on file. While I was on the phone with her, she transferred me to another department and I spoke to a guy who said he would put a copy of my CORRECT XXXX statement in the mail immediately and that I would receive it by the middle of the following week. That never happened. So on XXXX XXXX, when I still had not received my correct XXXX statement, I filed a complaint with the BBB. My complaint was NOT resolved and I never did get a CORRECT XXXX statement. My grace period for paying my XXXX mortgage payment was up on XXXX XXXX and since it was obvious I was n't going to get any actual customer service, I went ahead and made my XXXX payment and crossed out all the wrong numbers on the payment slip. My payment also included additional principal as it has for the last 2 years. My check for {$2400.00} cleared my bank on XXXX XXXX, which means suntrust received my payment on time. Then the statement I got for my XX/XX/XXXX XXXX due date says that I have {$2100.00} in " unapplied funds ''. That is my monthly principal amount and it should have applied correctly. The additional principal I paid was applied correctly. My XX/XX/XXXX XXXX statement says I owe {$4200.00} which I absolutely DO NOT. When I called on XXXX XXXX to try to get the " unapplied funds '' issue resolved, the rude woman on the phone would n't even let me finish my sentences so I hung up. I called and left a voicemail with the escalation department and their voicemail says they will return customer 's calls the next day. They have never called me back and my mortgage is still a mess. I did not choose suntrust as my mortgage holder, it was sold to them, and I never would choose them. Their customer service sucks and they need to fix the mess with my account that they created and correctly apply the thousands of dollars in principal payments I 've sent them. They also need to return customer 's phone calls or change their voicemail to something that is n't lying to customers.
|
| 07/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I am a real estate agent and I agreed to a six-month contract with XXXX to purchase internet leads. I electronically signed the contract. XXXX did not deliver what they absolutely promised me so I sent them a cancellation notice after four months for breach of contract. I spoke with the XXXX rep numerous times along with his supervisor to try to come up with a solution. The only thing I got was, forget about what we promised and just pay the bill. I told them I was not rolling over nor was I going to pay the last two payments. We could go to Court if they wanted. A couple of agents have a lawsuit against XXXX for the exact same thing. These companies are making promises they can not keep just to sign an agent up for their services. I informed XXXX that I was filing a complaint against them with the Federal Trade Commission and the Small Business Administration.
I cancelled my business card with Suntrust and received a new one so that XXXX could not bill my account. XXXX obtained my new card number and debited my account. I phoned Suntrust to file a complaint and ask why XXXX was given my new card number. Suntrust told me that Mastercard gave out my new number. They said that my new card number was linked to my old card. That does not make sense to me. If one receives a new card it should never be linked to a previous card. Consumers receive new cards for a reason.
I told Suntrust that it was not up to them nor Mastercard to be judge and jury over my money. If I had wanted XXXX to have my new card number, I would have given it to them. Suntrust is telling me they have to allow the merchant 60 days to file an answer to my dispute. I disagree because Suntrust was not authorized to let that money leave my account.
Suntrust informed me that the charge has been reversed but they can not put it back into my account until XXXX and that is provided XXXX doesnt contest it.
My complaint is against Suntrust and Mastercard for giving my new card number out without my authorization. I have lost trust in the Banking institution. This tells me they are on the side of the merchant and not the consumer. They should not be allowed to give out a consumers new card number. I want my money back and I want it now.
|
| 12/01/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
Auto loan with Suntrust Bank. Original Loan amount was reduced because I cancelled a car service package, but the bank never sent information about how the payments will be modified. Paid on time every month for 50 months, more than the originally settled monthly payment. However, the bank never sent me a statement or account balance info. Automatic payments stopped by mistake after XXXX. Bank never contacted me, but reported late payments to credit bureau. Learned about that about 2 months later by checking credit report. Called bank to verify what 's going on and get the account balance. Bank claims they tried to contact me, but they do not have updated address ( strange because I requested address change to US postal service and I also keep on receiving checking account and loan offers from this bank ( I have copies of them ). They claim they tried to call me but they had a wrong phone number in file ( strange because it has not been changed and all info/negotiation was mediated by the car dealer and they have it all fine ). Bank claims they do not send emails for security reasons ( LOL ). I already paid full debt, but the bank claims late payments shall remain reflected in my credit report because it was my fault/neglect to contact them and keep track of what I owed ( 2months ). How can I know what I owe if the bank never send statements and refuses to do so? It is extremely difficult for a layout person to figure out an amortization table/balance after applying all those changes to the account. I had a pristine credit history before this issue ( above XXXX ), all debts paid full or before time, even during the incident with this bank. I am also currently leasing another car. Clearly the issue was because of lack of communication, not because of financial problems or neglect. I already finished paying whole balance, -6 months before due time. If all they wanted was charging late fees and other stuff they can keep it. It is unfair, but I do not mind. I just want them to remove the negative & false information they posted on my credit because it has nothing to do with my personality or my financial responsibility. They are the ones who hide account balances, I am not the one who play dirty games.
|
| 06/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Monday morning XXXX/XXXX/2015 we had a disturbing experience while visiting the SunTrust XXXX VA branch. For over a year and a half, we have had a home mortgage with SunTrust. Several times we have received communications from the bank suggesting that we consider making biweekly payments instead of XXXX a month as we had been doing. This seemed like an interesting idea, and we tried to sign up, which necessitated several unhelpful trips to the branch. It finally started to happen with XXXX payments being taken out of our XXXX XXXX account on the XXXX and XXXX of XXXX, against a due date of XXXX XXXX. We were pleased to see this occur -- until we received a letter and XXXX phone calls telling us that we were overdue with our XXXX payment.
Since we are on time with payments, and clearly STI had the money in hand for our XXXX payment, we did not understand why we were overdue. The gentleman at the branch was n't sure either, so he called the mortgage department. A lady on the call explained to us that the {$2400.00} STI had in its possession by XXXX XXXX XXXX and which could have been taken by XXXX XXXX ) remained unallocated against our loan and did not represent a XXXX payment, but was instead considered an advanced payment for XXXX, which was n't due until XXXX XXXX! Therefore, we still owed STI {$2400.00} for our XXXX payment.
The net effect of this " unallocated '' collection is that STI perpetually has the free use of {$2400.00} of our money, since STI will always have our {$2400.00} a month ahead of the due date. To the extent that this is true, and that others have enrolled in the XXXX payment system, which STI bills as a better deal for the borrower, the real beneficiary would seem to be SunTrust itself, with an ever increasing unallocated float as more people sign up.
We are enclosing a copy of an STI printout that clearly shows the unallocated funds in our account. Also enclosed is a copy of the letter we received dated XXXX XXXX, but mailed in an envelope dated XXXX XXXX, confirming that we were enrolled in the XXXX program. There is nothing in this letter that remotely suggests that the biweekly funds being withdrawn in XXXX did not constitute payment of that month 's installment.
|
| 03/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Loan sold or transferred to another company
|
|
Web |
Older American |
|
In XXXX, XXXX I secured a car loan with SunTrust, account number XXXX. The loan funds were then deposited into a SunTrust checking acct ( # XXXX ) with enrollment in XXXX. This was confusing as I had never seen such an arrangement before. I have had approximately 10 car loans over the years and this was different than any before.
Two years later, I received an advertisement from SunTrust offering me a lower rate of interest for my car loan with SunTrust 's subsidiary, XXXX. I filled out the loan application online with XXXX and received the new loan account # XXXX. My monthly payments fell from {$670.00} to {$630.00}. I was thrilled.
In XXXX, XXXX I received notice from SunTrust that the original loan, secured by checking account # XXXX, was overdrawn. I was out of town for the holiday and did not address this problem until XX/XX/XXXX. I have since spoken with multiple people at SunTrust and XXXX and Ive been told that it is my fault that I didnt pay off the first loan when XXXX sent {$29000.00} into that same checking account XXXX in XX/XX/XXXX. That account had still been paying back the original {$670.00} monthly and had run out of funds. I have been automatically sending {$630.00} to XXXX for almost four straight years. I believe there was a bookkeeping error by SunTrust/XXXX that happened when that {$29000.00} was sent to the checking account.
I was told by representatives of XXXX that the USE OF PROCEEDS section on page two of my XXXX seven-page document instructed me to use the proceeds for the purpose indicated by you in your application for this loan. I was never told my anyone online or on the telephone that I had to actively do anything to pay off the first loan. The companies offered me the loan reduction. I did not seek it. I was thrilled to pay less on a monthly basis, but I strongly feel that I shouldnt be punished with three more payments of {$670.00} for a loan that shouldnt even exist. I still have four payments of {$630.00} remaining with XXXX.
I am stating that SunTrust and XXXX used unfair and deceptive practices. And when I wrote to the executive offices and had FIVE telephone calls with XXXX XXXX in XXXX 's exec offices, I was finally told they would do nothing.
|
| 01/07/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American, Servicemember |
|
I continue to have issues with businesses in purchasing or in this case : 1. I opened a checking account online with XXXX XXXX Bank. I wanted to transfer a large deposit from my SunTrust Bank which I have had for over two years, except I did not have a routing number or checking account for XXXX XXXX so I caught a ride to a close XXXX XXXX to present a personal check by an XXXX driver.
2. The younger male allegedly ordered some checks and deposited my personal check to the account that I apparently had on the debit card that I was sent.
3. My SunTrust Bank denied to accept my two signatures on XX/XX/2020 except the new manager told me that she is new at my branch and that she said that my two signatures on the back and front did not appear to be similar even though my daughter has cashed checks presented and signed by me several times to include just recently. The manager had emailed me twice after a large deposit was made directly as usual from the federal government from XXXX and the VA except as I have stated this time the bank received a large amount, electronically as usual. XXXX XXXX asked me to come to the SunTrust branch but I explained to her that I am now in a wheelchair and that my hands suffer with XXXX XXXX so that I do not like to grasp anything. Most importantly I asked her to accept my license number seen at the other bank, I could give my SSN and she has my email address and physical address on record, but : 4. The second check larger amount was deducted from my SunTrust account leaving me with little so that I will not be able to pay my rent.
5. The XXXX XXXX Bank has closed my two ( checking and savings ) accounts so that now I think that they asked me to open a second account so they can charge a {$12.00} fee and now they closed all of my accounts on XX/XX/2020. I was supposed to receive just {$4800.00} tomorrow and the rest, the largest amount on XX/XX/2020. I was asking why and I felt that the two or more employees took the large amount on purpose to ripe me off of the XXXX figure amount or try to force me to go to the bank again, possible for nothing ; abuse and discrimination.
6. I can not tell where my money is except that I know where it should be at XXXX XXXX.
|
| 12/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/19, I requested a reappraisal from SunTrust in order that we might pay down our loan and lower our LTV enough to remove our monthly {$320.00} PMI payment. I requested that someone " contact me via phone or in a way that I can reasonably ask follow-up questions. '' At the end of XXXX when I had not received a reply, I submitted a fax to SunTrust. SunTrust confirmed on XX/XX/19 that the fax was received, and the following note was added to their online chat portal : " A faxed deletion request has been received to delete PMI. '' On XX/XX/19, I added a note to the online chat : " I would like to know how I can reappraise our home to lower our LTV. '' Later, another note was added by SunTrust : " A deletion request can take upto 30 days to be processed. Upon completion of the review, a letter will be mailed with the next steps, if any are necessary. '' On XX/XX/19, I added another note to the online chat portal : " I have sent 3 requests to Suntrust to reassess my home value. We would like to pay down the principle in order to get rid of PMI. '' When asked if I had additional feedback, I said, " I'm trying numerous avenues to get in touch with someone regarding my PMI. It certainly feels like Suntrust is intentionally making this a difficult process. '' On XX/XX/19, I made another note on the online chat platform : " I need to follow up on my PMI inquiry. Can you please provide an update? This system is terrible, and I don't understand why I can't talk to a human being. '' On XX/XX/19, I mailed a signed document along with a {$150.00} check, requesting to order a " Brokers Price Option '' in order to better determine our LTV.
On XX/XX/19, I added yet another note to the online chat portal : " A couple of weeks ago, I mailed our Request to Remove PMI and a {$150.00} check. Can you confirm that this has been received, and let me know what the next step in the process will be? I have been attempting to get this taken care of since XX/XX/XXXX. '' Each month that this process persists, I am required to pay another {$320.00} PMI payment. As I noted to SunTrust, it certainly seems as though they are intentionally making the process to remove PMI a difficult one, and I believe it is unfair.
|
| 11/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I lost my job in XXXX, XXXX. I went through my savings and retirement while I was looking for work and didn't find a new job until XX/XX/XXXX. That was a 3-month contracting position that ended XX/XX/XXXX. I fell behind on my mortgage and began applying for a loan modification later in XXXX when I found work but at a fraction of what i was making before I lost my original job in XXXX. I was declined the modification and reapplied when my wife started working as well in XXXX of XXXX. My request was declined yet again and I applied for a short-sale and was approved by Suntrust to pursue it. I listed my home with an agent and got an offer which I presented to them but they did not accept the offer. They gave me until XX/XX/XXXX to get another buyer but they set a price that they would accept which was a new stipulation not in the original agreement and did not constitute a short sale at all but one that would make them whole.
They also stated that if I did not get a contract by XX/XX/XXXX the would agree to accept a deed-in-lieu of foreclosure but expedited the foreclosure process early in XXXX. Now at a court date on XX/XX/XXXX the foreclosure sale date was set for XX/XX/XXXX. The problem is they never actually tried to modify my loan. I know this because they never asked for bank statements. They explained that I was denied because my income was short by {$150.00} per month. They also explained that my payment would have increased by {$150.00} per month based on their modification process. Basically, their process resulted in a larger payment than the one I could not afford in the first place and that increase resulted in me being denied a modification. Where is the relief? The modification process was a farce. So was the short sale agreement since they introduced new terms after I found a buyer.
I am now applying for a deed -in-lieu of foreclosure but they have lost parts of my application and tell me I will have to start from scratch if they don't have a complete package by XXXX, XXXX.
They are now working in good faith and have frustrated me at every turn and only seem interested in seeing the foreclosure process through despite my many attempts to resolve as painlessly as possible.
|
| 07/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I 'm still not getting any customer service from suntrust. When I was finally able to get to a person on XXXX XXXX, it was XXXX XXXX and she told me she would have XXXX XXXX call me the next day, XXXX XXXX. She either lied to me like everyone else has and did n't tell XXXX XXXX to call me or XXXX XXXX just chose to not call me as she has repeatedly done in the past. I called again on XXXX XXXX and XXXX XXXX answered and I told her I wanted to speak to XXXX supervisor. She told me XXXX supervisor was not available, which I believe was another lie, but again she told me she would have the supervisor call me. I gave her my cell number, even though they should already have it, and I asked when I could expect a return call. XXXX XXXX told me the response time was 24-48 hours. I did n't really expect a return call because no one has ever returned a phone call when they said they would. After waiting the 48 hours, I called AGAIN on XXXX XXXX at XXXX. I got a recording that all the associates were busy and my wait time was less than 5 minutes. I think they just turn these recordings on after XXXX so they do n't have to take any more calls because the recording usually says the wait time is greater than 10 minutes. But even the recording LIED because I waited on hold for 20 minutes even though the wait time was supposed to be less than 5 minutes and after the office was closed. I knew nobody was going to answer the phone after XXXX. While I was on hold, there was also a message that came on several times saying if I wanted to leave a message, press XXXX and someone would return my call within 24 hours. Another LIE. No one has ever returned a call within 24 hours. EVER. They do n't return calls at all.
I have to pay them XXXX dollars every month because if I do n't I 'll lose my house but they wo n't tell me the truth or return phone calls. This is completely unacceptable and should not be allowed to continue. They have negative comments all over the internet because I 'm not the only one they 're doing this to. I pay my mortgage on time every month so when I have a problem and need assistance I should be able to get it from people who are n't in the business of intentionally lying to me.
|
| 04/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Since middle of the month of XX/XX/XXXX, Sun Trust Bank put a hold on my business account ( XXXX XXXX XXXX XXXX ), account number XXXX. When I went to check on the status and the reason of it, they notify me that a person sent a wired transfer by error to my account. When I asked the manager of the branch, XXXX XXXX XXXX, the name of the person I notice he was my client. Immediately, I called my customer service department and verify that XXXX XXXX XXXX, a XXXX XXXX Customer, who paid signed and paid for our services, was our customer since XX/XX/XXXX. I let XXXX XXXX XXXX knows that this customer was lying and I will be back with the signed contract to proof that he was my customer.
XXXX XXXX XXXX provides me with a document to sign in order to refuse the refund to XXXX XXXX. I came back with the signed contract as evidence and was send it to Corporate. XXXX XXXX, as a customer, never called either or send any communication or the intention to cancel the services with us. As stated on our contract the right of cancellation, and by the state of Florida, the customers have an unwaivable right to cancel the contract, by any reason within 10 days after the date they sign the contract by notifying our office in writing of their intention and send it by mail or Email.
As a company, we contacted XXXX XXXX to try to understand the situation and he confessed he was instructed to do so by XXXX XXXX. Then XXXX XXXX sent a letter by fax to apologize and saying it was a wrong decision. On XX/XX/XXXX, we received a letter from Sun Trust Bank saying that they will send a check of the funds available ( {$59000.00} ) in 15 days.
When I went on XX/XX/XXXX to the XXXX XXXX XXXX Branch, they told me they do not have any information. I called to the Customer Service on XX/XX/XXXX, and they told me they do not have any update on the system, and to go to the Branch to get more info about my case.
Definitely, they are not giving me any explanation or taking my case seriously. I am unsure about what is happening with my case and the procedure to follow. Please revise my case in order to have the appropriate information and the release of the funds, the sum of {$59000.00} as soon as possible.
|
| 01/03/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Older American |
|
*XX/XX/XXXX - 7 charges to a SunTrust MasterCard at a XXXX XXXX amounting to # XXXX ( 4x {$100.00} and 3x {$200.00} ).
*SunTrust alerts me via text ; I respond immediately that these are not my charges.
* ( the same day, XXXX XXXX XXXX. called w/ similar fraud charges at XXXX and immediately dismissed them from account when I assured they were not my charges ) * Approximately 2-3 weeks later I receive a letter from SunTrust stating that their investigation determined that these charges are my responsibility.
* A long phone call followed with several people at SunTrust 's security/fraud division. After more than an hour, their conclusion was the same. The investigator cited " inconsistencies '' but no one could tell me what they were.
* I visited my local bank mngr. several times and exchanged sevearl emails with him ; he tried to help but could not. A phone call from a higher regional exec. said the same.
* During another call w/ ST, I was finally told that an inconsistency was that the card chip was used and because the card is in my possession, I must have used it.
* XX/XX/XXXX - I wrote letter to Mr. XXXX. XXXX, president of SunTrust. His office called to tell me there was nothing they could do.
* I spent more than an hour on phone w/ XXXX business div. who researched charges and found nothing at cited store ( XXXX XXXX XXXX, XXXX, DC ) or in any other XXXX store where this card has been used. XXXX case # XXXX ( I have NEVER used this card anywhere and card statements confirm this ).
*XX/XX/XXXX - I filed police report w/ DC Police , file # XXXX.
*XX/XX/XXXX - I called MasterCard.They can't do anything - in SunTrust hands.
My next step will be to contact the DC Attorney General 's office.
I don't know what else to do or how to use the police report to support my case. I'm at wit 's end and out of more than {$1000.00} which means a great deal to me. I am retired and live on SS and savings. I have banked w/ ST since XX/XX/XXXX and have 2 different accounts there including a non-profit for people w/ disabilities that has more than {$70000.00} in it and I have never bought a gift card for any amount at a XXXX.
I'll appreciate any help or advice you can provide.
|
| 04/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have had a checking account with Suntrust Bank since XX/XX/XXXX. I have a direct deposit go into my account monthly. I am a XXXX. I own XXXX rental properties. XXXX tenant pays rent with money orders, and the other pays with a personsl check from his Suntrust account. On XXXX XXXX, I deposited a {$750.00} money order given to me by XXXX tenant, and the next day I deposited the other tenants {$500.00} personal check. XXXX deposits showed up on my account ledger balance by XXXX/XXXX/XX/XX/XXXX. The tenant who gave me the Suntrust check for {$500.00} had stopped payment on XXXX, after I had already deposited for some reason. Suntrust then placed a hold on the {$750.00} money order until XXXX, telling me that they were unable to verify the money order. I had a copy of the money order and called XXXX XXXX and was told it had been paid on XXXX. I called Suntrust on XXXX and they would not release the hold, and then informed me that my account was being closed because of suspicious activity. I visited a Suntrust branch and was told it was the stop payment placed on the {$500.00} rent check my tenant gave me that prompted my account to be closed, but also was informed that his check was a good check regardless. I was blocked from online account access, and being a week before the XXXX tax deadline, this caused a big headache! I also pay bills online the XXXX ten days of the month, and payments were returned, late charges applied, and no valid reason for the paid money order to be held during this time by Suntrust. I was told repeatedly rhat I would receive a letter in the mail explaining why Suntrust closed my account. The letter came XXXX, it only stated my account was closed due to fraudelent activity, according to the bank 's rules and regulations. The decision is permanent and I would receive any remaining funds in my account by mail within 3 days. The letter was dated XXXX/XXXX/XX/XX/2015. No other information or apology is given. Suntrust put me in a financial crisis. Two weeks with no debit/atm card, no cash, bills not paid, creditors calling, not able to take action against tenant in a timely manner, Income taxes not finished, and no answer to why all this is happening.
|
| 06/09/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
On XXXX XXXX, 2015 I reached out to a loan officer at Suntrust Mortgage in XXXX Maryland regarding a VA XXXX He quickly filed the paperwork and sent it to me. I signed the paperwork and asked my wife to hand deliver it to his office, since it is close to her place of employment. He then sent me another set of paperwork to lock in the rate. We then communicated via email that this was the rate to be locked in. Now, two months later, after hearing him complain about how busy they are, he is trying to tell me that not only is my rate not locked in ( and it would have been more than .5 % lower than what is available today ) but that he has had to add on extra fees. It has taken so long that I have had to make a mortgage payment in between, and I am concerned that they will use that fact as justification to change the deal. Since rates have gone up so much since then, I can not go anywhere else to get that deal. I was working with another company to refinance, but since my money is in a Suntrust bank, and my original mortgage was with them, I figured that I would give them the opportunity to match. They did, now they are trying to back out of it, and making all sorts of excuses. I have been in contact with the Branch Manager, who has yet to reply, the Loan Officer called me after I sent the initial email to his manager and angrily raised his voice on the phone with me. I do not want anything more or less than the deal that I signed. All of these " technicalities '' that go unexplained, and that benefit the banks, are the reason nobody trusts them anymore. I have made every attempt in the past two months to maintain lines of communication with this loan officer, and all I get is excuses, if anything at all. This is unacceptable. Suntrust Mortgage is allowing this to happen. If I had the ability to contact their executive membership, I would. Veterans, Beware. This bank, though it is XXXX of the better XXXX I have worked with, has some shady people in their Mortgage department. But, they are only human. I trust that they will eventually do the right thing. I hope. It is a savings of XXXX dollars per month, and that is quite a lot. Two months is too long for a VA " XXXX '' XXXX.
|
| 12/04/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I have SunTrust Credit Card /Master Card number ending XXXX.
In the Month of XX/XX/XXXX Statement I have seen charges by XXXX XXXX XXXX XXXX for {$720.00} on from XX/XX/18 ( and later another charge from same company for {$28.00} on XX/XX/XXXX ) hence contacted SunTrust customer service to report fraudulent activity on XX/XX/XXXX. I have received letter from SunTrust on XX/XX/XXXX stating case No XXXX and advised that charges will be removed from my account. Subsequently I have received letter which was mailed on XX/XX/XXXX stating that there investigation indicated that I have participated and or received benefits hence claim denied and charges reinstated on my account.
I have called and spoke to Fraud Assistance center again on XX/XX/XXXX and asked them to share documents which they have received from XXXX which indicates that I have received services but till date I have not received any information from SunTrust.
Mean time I was able to contact XXXX and was told by them that it was not me but some one with similar first and last name received services from XXXX ( based upon XXXX preferred number and driving license / email / phone number ) but they can not do any thing as case has been disputed with bank.
I have visited SunTrust local branch on XX/XX/XXXX and submitted further documentary evidence to prove that I was in another town interviewing for my job and rented car from another car rental company including my hotel / flight reservations details and other documents to prove that this was not me who rented car from XXXX and it is a fraudulent activity hence I should not be liable for any charges as per card issuing agreement with zero fraudulent liability.
Since I have not heard any thing from SunTrust back, called again there Fraud Assistance center on XX/XX/XXXX around XXXX XXXX and spoke to agent XXXX who re-escalated my claim and asked to call back in 24-48 hrs. She also told that some one from SunTrust will contact me regarding this soon.
There was no call from bank hence I have called again Fraud Assistance center of SunTrust bank and spoke to XXXX around XXXX XXXX on XX/XX/XXXX but she told me that case has been closed on XX/XX/XXXX and denied.
|
| 08/31/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
Dear Sir or Madam, I am a long time customer of Suntrust Bank in XXXX, Md. I am seeking your assistance with an issue I am having with Suntrust.
In XXXX I met with the XXXX Branch manager, XXXX XXXX XXXX, VP who offered to open a new credit card account with Suntrust and to move a balance I had with XXXX XXXX XXXX onto the new account which would be interest free for a period of 12 months. The account was opened and I began making payments against the balance that was posted to the account which I believed had been paid off at XXXX XXXX XXXX and added onto the new Suntrust credit card account.
Suntrust did NOT pay off the account with XXXX XXXX XXXX. I allowed some time, thinking there might be a slight delay to allow for mailing, handling and administration. When I got my new XXXX statement from XXXX XXXX XXXX showing that the account had still NOT been paid off by Suntrust I called Suntrust and went in to see the branch manager, XXXX XXXX again yesterday, XXXX XXXX.
While she was helpful, she was not able to resolve this issue and declined to credit my new Suntrust credit card account for the amount that Suntrust applied to the account without paying off my XXXX XXXX XXXX balance. She tells me that they will have to research what happened and find out what happened to the check they say they issued to pay the balance at XXXX XXXX XXXX. In the meantime I now still have a balance at XXXX XXXX XXXX incurring interest and I have a balance at Suntrust that I DO NOT OWE them and that she tells me I need to continue to pay on.
I am sure that Suntrust will attempt to resolve this issue but, at the moment, I am in a situation that is untenable and do not believe is my problem to resolve. I believe Suntrust should have immediately credited my Suntrust account while they do their research and figure out what happened. I certainly do not think I should have a balance due at Suntrust since they did not pay off my XXXX XXXX XXXX account. If they succeed in paying off my XXXX XXXX XXXX account in the future then they can charge my new Suntrust account at that time.
I would appreciate any assistance you can provide in resolving this issue. I can be reached at XXXX.
Thank you
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I made a mobile deposit on XXXX/XXXX/2017. When I checked the status of my account on XXXX/XXXX/2017 I realized a deposit hold had been placed on my check that would not expire until XXXX/XXXX/2017. This is a child support payment that I have received every month for the last XXXX years. I contacted Suntrust bank and asked if it was possible to have the hold removed since the funds have already cleared my ex-husbands account. They informed me that the hold was there because it was a new account. I explained that I was aware that it is a new account but the I work for Suntrust Mortgage and have my payroll checks deposited into the account XXXX a month, I also have not had any overdrafts on the account. I further explained that holding this deposit would now cause an overdraft for an outstanding check and that I will then be charged fees. I explained that I did not understand why they could not contact the bank to verify the funds have cleared as I did and release the hold. The quoted me the hold policy. I explained again that I have been in banking for XXXX years and understand the necessity of holds. They are to ensure that the funds are available before they release them to you. In this particular situation the funds had already been deducted for the check deposit I made and they new it was good. At this point holding my funds until the XXXX served no purpose. The funds are not in his account nor are they in mine. The bank has the money, they know my deposit is good and there is no good reason why the hold should not be released at this time. They are delaying my funds for no valid reason. I did not even receive a proper notice regarding the deposit hold until just now ... XXXX pm on XXXX/XXXX/2017 probably because of the fuss I raised when I called. Now this email tells me to ensure funds are deposited to cover any outstanding items that may cause an overdraft because of this deposit hold. I do n't have additional funds I can deposit and this {$600.00} was to last me and my XXXX children until the XXXX when I get paid. I could understand if the check had not cleared but right now there is NO just reason why they should continue to hold my funds for another week.
|
| 06/21/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
We have owned this property 14 years, but recently our equity line mortgage payment went from XXXX a month to over XXXX a month. Mind you we don't qualify for this XXXX increase, nor were we informed that it would increase that much, nor have we been offered any help by Suntrust to resolve this issue. To help on the mortgage side, XXXX did a loan modification for us and took our 1st mortgage from XXXX to XXXX which is a completely reasonable thing to do. Suntrust is trying to foreclose on the property rather than help us, by jacking up the rate over XXXX which took our total mortgage payment from XXXX a month to XXXX a month! Then they tried to get in first position instead of in the HELOC position by tacking on junk fees and late fees so that our second mortgage is owes more than our first mortgage, which would put them in place to be fully paid in the event of foreclosure. DIRTY POOL. I submitted a loan modification to them over 6 months ago, yes, 6 months. And they keep giving me the run around. Well, you are only 2 months behind so we can't help you. You need to be 3 months behind, but no more than 120 days behind. Oh, sorry now you are 121 days late, so now we can't help you again unless you pay another month to be 3 months behind, but not 4 months behind. Absolutely and positively ridiculous game they play. In XX/XX/XXXX I paid 2 months, to try and catch up, so this month I log in and they have tacked on more junk fees. This company is the world 's worst bank, and you need to shut them down. XXXX is in bankruptcy, but at least they are decent about it. I asked Suntrust to provide proof that our loan went into acceleration and they have yet to provide one single document showing that they have the right to take our loan from {$400.00} a month to {$1100.00} a month. Even the NC XXXX XXXX company stepped in to try and help us, but the junk fees that Suntrust keeps tacking on to our account, keeps our account constantly in arrears. I would like to 1 ) have proof that this is legal 2 ) find out why it has taken 6 months to get our loan modified ( XXXX did ours in a week ) 3 ) reprimand Suntrust for conduct unbecoming of a federally insured government entity.
|
| 07/17/2016 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
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Mine is a V. A. Mortgage and XX/XX/XXXX I submitted an application to the Keep Your Home California ( KYHC ) Principal Reduction Program ( PRP ). It was approved and funds of {$62000.00} were disbursed to my mortgage lender, Suntrust Mortgage , Inc. on XXXX XXXX, XXXX. Prior to the KYHC PRP, my monthly V. A. mortgage payments were {$780.00}. The KYHC PRP regulations required Suntrust, on XXXX XXXX, XXXX do XXXX things at the very same time : 1- to lower my principal by the amount I was awarded, the {$62000.00} and 2-to lower my monthly V. A. mortgage payments to a maximum of XXXX % of my monthly gross income of XXXX ( from my V. A. XXXX XXXX XXXX XXXX XXXX ), which is {$400.00}. On XXXX XXXX, XXXX Suntrust never lowered my monthly V. A. mortgage payments until I kept insisting they do so and only because I contacted the U.S. Dept. of Veteran Affairs and KYHC for assistance in getting Suntrust to comply with these KYHC regulations. In clear violation of KYHC regulations and for two full months ( XXXX and XXXX XXXX ) after their XXXX XXXX, XXXX receipt of the {$62000.00} Suntrust continued to charge me the full monthly mortgage payments of {$780.00}. Then in XXXX XXXX Suntrust again violated KYHC regulations by again exceeding the XXXX % maximum of my gross monthly income, by charging me {$410.00} instead of the KYHC required {$400.00}.
These XXXX clear and deliberate KYHC violations by Suntrust created an undue burden on me and I was unable to afford my monthly V. A. mortgage payments and this caused me a hardship of Their won creation. During these three months, Suntrust further harassed me by mailing me paperwork in which they wrote, and which specifically stated that they intended to foreclose on my home by forcing me to Short Sale my home for those three months of missed mortgage payments. I am reporting these violations of KYHC regulations by Suntrust and I am requesting that Suntrust Mortgage , Inc be investigated and held accountable for these deliberate violations which Suntrust themselves created and with which they tried to illegally foreclose on my home by forcing me to Short Sale my home and leave me, an XXXX XXXX and XXXX XXXX Veteran homeless.
|
| 02/22/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
After moving money around between my various Suntrust accounts, I spent a lot of time trying to find the fee schedules for all my various accounts to make sure I did n't incur any service charges for low balances, etc.. I found there is no easy way to see the fee schedule for a specific account. There is a pdf online that shows the fees for the current products offered, but I have a bunch of older account types. I discovered that I had several {$15.00} charges on my money market account starting last XXXX because, while the current money market account being offered waives fees regardless of balance if an automatic checking transfer is in place, my older account did not. It 's hard for a consumer to avoid fees when Suntrust only publishes the fee schedules for the currently offered account types. I had to threaten to close all my accounts and move to another bank if those fees were n't refunded. A customer service rep refunded XXXX of the XXXX {$15.00} charges, but said that 's all they could do? I would like the other {$15.00} charge refunded as well. But, most of all, I would like Suntrust to simply make the fee schedule for each account type easily accessible so others do n't have to waste their time like I have.
I see 2 possible solutions : 1 ) Make the fee schedule for each account easily accessible - even when those account types are no longer part of the current retail offering 2 ) Transition account types that are no longer offered automatically to new account types where the fee schedules are easily accessible.
How is a customer supposed to know when their account type has become a legacy product and no longer important enough to offer an easily accessible fee schedule?
BTW, how hard is it given the state of technology to give some sort of a warning to customers when they do something that is about to incur a fee ( with a link to the fee schedule for their specific account )? I get plenty of correspondence from Suntrust trying to sell me additional products and services. How about something I can actually use - like a notification that my balance has fallen below a certain level and I will be charged if nothing is done by a specific date.
|
| 04/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
I contacted Suntrust Bank main office on XX/XX/XXXX to inform them that I had not received my bank statement from them in three months. I was told by the person on the phone that they would mail them out that day, and I would receive them in approximately three days. I did not, so I went to my local Suntrust Bank located at XXXX, Md. XXXX and address the issue with Branch Manager XXXX. She printed me out statement from XX/XX/XXXX to XX/XX/XXXX. When I checked the statement I notice approximately XXXX ATM-withdrawals total over {$3200.00} not including fees, and XXXX checks-written total {$900.00} that I did not do, or known who did. I immediately return to to the bank on XX/XX/XXXX and address the issue with Bank Manager XXXX. She contacted Suntrust Fraud Department, and a report filed and investigation I was told started. On XX/XX/XXXX I received a letter from fraud investigator stating that they were unable to honor my claim giving me some unreasonable causes. The letter dated XX/XX/XXXX is the first response to the claim of fraudulent activity on my Suntrust account ending with [ XXXX ] I received. For this and other reasons, base upon our investigation, we can not conclude that Suntrust has any liability for your disputed transactions. I returned to my local Suntrust bank on XX/XX/XXXX and talk with Bank Manager XXXX about over half of the transactions falling within the time frame of the 30 days, and she called fraud investigation. I was told by her that the investigator said that because there were A-T-M withdrawal before the 30 days and I was seen on camera making the withdrawals, the investigation was close. I never made any withdrawal from the location on the statement and do not even known were it is. I always use ATM networks with Suntrust so I do not pay fees. I then asked the Bank Manager to see the video with me withdrawing money from the location the claim, and was told by her that the investigator said the only way I can see the video which there is not, is to subpoena it from fraud investigation. All of this after banking with Suntrust for approximately 30 years. All I want is Suntrust to return approximateIy {$4500.00} to my account.
|
| 09/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Suntrust Bank has a partial payments section on their monthly statement. Months ago my section was blank zero . then payments were taking thousands of dollars off but not paying off the Principal. Then XX/XX/XXXX Balance was {$6300.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$3800.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. XX/XX/XXXX Balance was {$1200.00} with {$1300.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}. Now XXXX Balance was {$930.00} with {$3500.00} in partial payments section. Note ( this is a suspense account will hold until amount equals one full payment ) Payment is {$580.00}, that's 6 payments. When I called to ask questions, they explained they were waiting for me to tell them what to do with suspense account. So I asked to pay off the account. I was told she can give me a payoff for tomorrow 's date. I told her you have my money. I said never mind I will go to the branch and pay it off right now. She told me you can't do that you have to wire the payoff. I asked for her supervisor. ( at this time I was pretty upset, no agree, so I hung up the phone and drove to a Suntrust branch. was met by a personal banker and began the process all over again. After a time on the phone with the mortgage people, she was able to explain and get a better understanding of what was going on? She was very helpful. At the end MY HOME IS PAID IN FULL. Plus a check to me for {$6100.00} So my concern is my Mortgage could of been paid off 5, 6 months ago? With paying interest? and lowering principal and what ever they want? So if holding my money in a suspense account allows them to extend the loan and me paying interest on that money does not seem like right/correct banking practices. Plus I can not be the only one Suntrust is doing this too. How many thousands, millions of others are they holding 4, 5 thousand dollars.????????
|
| 12/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
In XX/XX/2018, I became unemployed. I immediately began looking for a new job, but by XX/XX/XXXX I realized it would take longer than I hoped. I filed for a forbearance program with my mortgage lender in XX/XX/XXXX, and was approved for XX/XX/XXXX and XX/XX/XXXX - although no one is sure why it wasn't 90 days instead of 60. Immediately there began to be problems, as one arm of the company was calling me and sending letters even in XX/XX/XXXX, saying that I was behind in my payments.
In XX/XX/XXXX, I spoke with the loan point person who said it was time to reapply for the forbearance, since the 60 days was nearing its end and I was still looking for work. I submitted my paperwork, and it was received by XX/XX/XXXX. However, no one at SunTrust actually looked at the paperwork, as I was told later that since the program was not " officially over '' meaning the program ended at the end of XX/XX/XXXX, I was supposed to have submitted my paperwork on XX/XX/XXXX. So the XX/XX/XXXX application was never looked at, even though they received it.
By the XX/XX/XXXX I was again receiving calls now saying that I was overdue for XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX, and this was also reported to my credit. I resubmitted the packet and it was approved again, and I have had a forbearance that ran through XX/XX/XXXX.
By then I had found a new job, but it was in XXXX, Arizona, so I was looking to sell the house and move my family. But SunTrust had not only reported the month of XX/XX/XXXX as late, and then as a 60 and 90 day late, ( which they did finally admit was their mistake ) but now has reported the entire XX/XX/XXXX-XX/XX/XXXX as delinquent. I was working on a new 90-day trial loan modification, and am more than happy to fold those payments into a new loan, but I would rather sell the house, and move my family to where my new job is. But this whole thing has so decimated my credit score, that SunTrust is holding me captive, since I can not qualify for a new loan.
And anytime you try and talk to them, they point to a different department and say " You need to call them. '' And every time you try you speak to someone else who has different information.
|
| 10/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I found out on XX/XX/XXXX that I was a victim of identify theft a few days after I opened up a bank account at a XXXX XXXX Branch when they emailed me saying it would be closed because they had discovered I had a Sun Trust Bank account which was flagged with a negative standing, which I never had an account with Sun Trust Bank before. After leaving the XXXX XXXX I immediately went to the nearest Sun Trust Bank Branch to follow up where I found out that an unknown suspect had fraudulently used my information XX/XX/XXXX, misspelling my first name, using a completely different middle name from mines, my last name & social security number was the only things correct on the forged document where the unknown suspect forged a signature that was suppose to be mine. This document also did contain the bank teller 's information name which I believe that both were in on the fraudulent scam since only half of my information was correct & the teller accepted it anyway. I contacted the police to make a report. Sun Trust Bank Fraud Dept. even had a local detective come to my work place to see if I was the unknown suspect in the video images they sent to the precinct. When approached by the detective he had a picture of the suspect trying to see if I was her which I was n't. He also showed me, at first I did not recognize the woman immediately but once I did.. I contacted the detective to let him know who the woman was & I never heard anything back from him. To this day, Sun Trust has not did anything & this woman is still has not been punished for her crime, which is NOT fair. How can a bank let someone come in to one of their branches open up a bank account in someone 's name with half of their information as well as NOT press any charges after finding out the true identify of the scammer. This has been emotional stressful to know that a large company as Sun Trust allows things like this to go on & do nothing about it. After filling out an affidavit, all I was offered was the ability to now open up an account with one of their branches ... which I will NEVER do because of the fraudulently activities they allow. As a consumer I feel cheated & my name slandered.
|
| 06/29/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My husband, XXXX XXXX, and I filed a Chapter XXXX bankruptcy XXXX restructuring of debt ) in Georgia on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, we filed to covert our case to Chapter XXXX XXXX total discharge of debt ). In XXXX XXXX, we incurred a debt with Suntrust Bank when our checking account was closed out with an outstanding balance. This occurred before our bankruptcy was converted, and therefore, should have been written off by Suntrust when the bankruptcy was discharged in XXXX XXXX, in accordance with U.S. Bankruptcy Code XXXX Suntrust refuses to write off the debt and report it correctly XXXX. I have provided proof that we converted the bankruptcy after the debt was incurred, and my lawyer has sent them a letter stating that, under U.S. Bankruptcy Code XXXX XXXX b ), debts existing at the time of filing under Chapter XXXX are eligible for discharge.
Since XXXX XXXX, I have spoken with Suntrust representatives numerous times. XXXX representative told me that their bankruptcy department did not remove the debt because our original case was filed in XXXX, before the debt was incurred, and that you can not add new debt at the time of conversion, which is false. I have also been told XXXX times that they would update their records and report it correctly to XXXX. I have also been told that they received my documentation, as well as the letter from my lawyer.
Today, XXXX XXXX, XXXX, I was informed that Suntrust had none of this documentation on file, and that all they could do was send the account back to their bankruptcy department for review for a third time. I have spoken to XXXX more representatives from Suntrust today, XXXX from their recovery department, and XXXX from litigation. The woman from recovery told me that she would send an email to her supervisor who was out sick today, and he would call me back. The woman from litigation noticed that my account had been sent to their bankruptcy department XXXX times now and asked to call me back after she could look into my account further. When she called me back, she said that it has been taken out XXXX. This is the XXXX time in XXXX months that I have been told this, and I am skeptical.
|
| 02/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
R.E.S.P.A. QUALIFIED WRITTEN REQUEST Dear Sir or Madam : Please treat this letter as a " qualified written request '' under the Federal Servicer Act, which is a part of the Real Estate Settlement Procedures Act, 12 U.S.C. 2605 ( e ).
Specifically, we are disputing a ) the identity of a true secured lender/creditor, and b ) the existence of debt, and c ) your authority and capacity to collect on behalf of the alleged lender/creditor. Because of extensive criminal activity and fraud in this arena, we require proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. Further, we require proof that you are the entity that has been contracted to work on behalf of the alleged lender/creditor.
Pursuant to " Subtitle E Mortgage Servicing '' of the " DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ), please provide all information requested in the attached QWR ( see attached file ).
Suntrust Response is invalid and false : " The address XXXX XXXX XXXX XXXX XXXX, CA is NOT and it was NEVER the address for " XXXX ''. Invalid Phone Number. '' XXXX is a DEBT COLLECTOR & a SERVICER. XXXX does NOT ORIGINATE LOANS.
XXXX XXXX XXXX on Behalf of other investors.
You should be advised that within FIVE ( 5 ) DAYS you must send us a letter stating that you received this letter. After that time you have THIRTY ( 30 ) DAYS to fully respond as per the time frame mandated by Congress, in " Subtitle 'E ' Mortgage Servicing '' of the ''DoddFrank '' Wall Street Reform and Consumer Protection Act and pursuant to 12 U.S.C. Section 2605 ( e ) ( 1 ) ( A ) and Reg. X Section 3500.21 ( e ) ( 1 ).
Pursuant to 15 U.S.C. 1641 ( f ) : Please provide the name, address and telephone number of the owner ( s ) of the mortgage and the master servicer of the mortgage.
You should be advised that Violations of this Section provide for statutory damages of up to {$4000.00} and reasonable legal fees. The amendments also clearly provide that the new notice rules are enforceable by private right of action. 15 USC 1641
|
| 08/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I currently have a conventional 30-year fixed mortgage through SunTrust Mortgage. NMLS # XXXX On XX/XX/XXXX, I received an email notification from SunTrust " congratulating '' me on my brand new checking account - separate from my mortgage. Alarmed, I immediately contacted SunTrust to notify them that I did not open a new account and that this was clearly identity theft. The Identity Thief changed my login credentials and so I was unable to " take back '' my account! After an hour and dealing with four different customer service reps in mortgage and their checking department, I was told to call back tomorrow and told that they could do nothing for me. I proceeded to call the next morning and spoke with a few more customer service reps including who was believed to be an important manager. The manager confirmed that my account safe and protected, to the best of her knowledge. I asked if we could somehow add an alert to protect my information, or perhaps change the loan number to prevent this from happening again. They told me that this was impossible unless I wanted to complete a refinance. I asked if this could happen again and the response was, " sir, we're doing whatever we can, but who knows ''!
6 days later, my account was hacked again. We expressed to SunTrust once again that our information was compromised and we wanted it to be protected. We demanded that they protect our personal information. They were short with us on the phone, wouldn't answer any questions, and essentially told us that they could do an investigation. There was no sense of urgency from SunTrust and they intentionally would NOT take any measures to protect my personal information. They wouldn't even tell us the email address of the hacker, who again, changed our account email address and phone number once again!
My information is still exposed and after repeated calls to whomever would be willing to help, I have not gotten any response or help. We feel as though our rights are being violated and WE HAVE EVERY INTENTION ON PURSUING LEGAL ACTION to get this resolved. SunTrust has shown no competence or effort is protecting our stolen identity.
|
| 10/13/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
My brother-in-law and I jointly own a condo in XXXX XXXX XXXX, FL. We are current on the mortgage but are underwater by about {$80000.00}. In XX/XX/XXXX, Suntrust offered us an interest only mortgage which they refinanced in XX/XX/XXXX by increasing the payment by about $ XXXX/mo. We also were offered a XXXX mortgage in XX/XX/XXXX with options that we have been paying as an interest only loan for about 8 years. This will reset in 2 years and our payment will go up about {$600.00}.
We have the apt . rented but do not receive enough rent to cover all costs. We are short about {$900.00} a month which we have been paying for with savings.
We both have excellent credit but have had a really bad year. My husband died last year which resulted in my loss of $ XXXX/mo of income. I also had another rental property that was used as a XXXX house which cost me {$50000.00} last year until I sold it as a loss. My brother-in-law had a XXXX and was in a serious car accident in XX/XX/XXXX which resulted in XXXX.
We are trying to get these XXXX loans which are owned by Suntrust modified with lower payments. If they would combine them or modify them, then we could continue to make the payments.
In fact, my renter is willing to purchase the property as a short sale.
Suntrust has been very difficult to deal with. They keep on asking for more papers, corrected papers, additional documents. I received a call this morning telling me that the bank statements that my brother-in-law submitted on XX/XX/XXXXare out of date and that he needs to submit new documents. This call also requested a current social security letter even though he had submitted the info XXXX/XXXX/XXXX. I have had to resubmit other documents at least 3 times for very minor issues-like no postal code, corrected dates. They are also telling me that if they do n't receive the paperwork by XXXX/XXXX/XXXX, the file will be closed.
Also, they are calling me almost every day with different items that they need and sending paperwork requests that do n't match the calling requests.
Both of us are retired and we are trying not to default on this property. Hopefully you can help us.
|
| 10/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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SunTrust bought my mortgage. I tried to set up recurring payments online. I accidentally went on the 'one time payment ' page and when I realized it I tried to cancel and go to the 'recurring payment ' page. It asked if I wanted to cancel and I clicked 'yes '. Then I set up a recurring payment. It was then that I realized SunTrust had taken two payments. My wife and I have spent several hours this week trying to get the second payment back by jumping through all of the hoops SunTrust required to prove the transaction happened-DESPITE THE FACT SUNTRUST SENT US NOTIFICATIONS THAT IT HAD RECIEVED BOTH PAYMENTS!!!! I even went to a branch of the bank from which the funds were transferred ( XXXX XXXX ) and got a printed statement and a signed letter from a bank manager stating that the funds has been dispersed. Today I called SunTrust and they told to me to fax them the documents. After redacting everything on the XXXX XXXX statement - except my name, account number, and the transaction amounts to SunTrust - I faxed it to them. A representative just called back and said they wouldn't refund my overpayment unless the document showed my checking account balance after each of the transactions to make sure it wasn't a negative balance. I asked why, if they had received both payments, they would care if it was a negative balance ( XXXX, it was not a negative balance ). She couldn't answer that. I said that was private information between me and my bank and was none of SunTrust 's business - ESPECIALLY since they had received and deposited both payments. I asked if she would want to show a third party any balances on her banking accounts. She answered, " Yes, if I wanted to get my money back. '' Isn't that called blackmail? I sent them the information they requested but I feel that they have gone way too far with this request/issue by delving into my personal information they have no right to. I have now XXXX SunTrust and am shocked by the number and scope of the complaints against this bank. If I was rich I would pay off this mortgage right now just so I would never have to hear/see the name of this unscrupulous bank ever again!
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| 09/18/2017 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Can't close your account
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Web |
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My father, XXXX XXXX XXXX, opened a savings account online with SunTrust located at XXXX XXXX XXXX XXXX, XXXX, GA XXXX, P : XXXX. He did not submit a signature card to complete his application at SunTrust.
My father is now XXXX as of XX/XX/XXXX and had no will nor assigned a beneficiary for his savings account or other assets. In agreement with my family then applied and received a Letter of Administration from XXXX County Probate Court to manage his estate.
XX/XX/XXXX I brought my certified Letter of Administration paperwork in addition to my fathers certified XXXX XXXX to the XXXX XXXX XXXX XXXX Branch and spoke with XXXX XXXX, the SunTrust Teller on XX/XX/XXXX at approximately XXXX.
XXXX XXXX took my paperwork and advised me that since my father did not submit a signature card, she will fax my documents to the legal department for review.
I advised her that I lived in New York and could she please communicate with the legal department to inquire if I needed to complete anything else before I left the state. She refused and said that I would have to wait to hear back from the legal department and she had no idea of when that would be.
I then called the SunTrust Customer Service Line and advocated my position. The representative asked to speak with XXXX and resulted in no further information on turnaround time or additional documentation that may be requested.
XX/XX/XXXX I called the SunTrust customer service line to inquire about the status of the account and I was advised to contact XXXX at the branch.
The customer service representative called for me as a courtesy and advised me that XXXX was not in. The representative went on to say that I needed to call the local branch repeatedly and bypass the option to leave a message with the manager until I got through to the branch.
XX/XX/XXXX On Thursday, XX/XX/XXXX, after calling repeatedly for an hour, I got through to XXXX who advised me that she hadnt heard back from the legal department. I asked her to call them and advise me and she said that she would and return my call by days end, so I gave her my cell number. XXXX still has not called me with an update.
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| 09/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
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Web |
Servicemember |
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On Wednesday, XXXX XXXX, XXXX, I spoke to a representative at Suntrust Bank who identified himself as XXXX a supervisor. I was concerned about the many {$36.00} charges to my account, I was told that on XXXX XXXX, XXXX I had a balance of {$230.00}. He also told me that a charge came in on that day from XXXX XXXX for {$19.00} and that amount was put on hold making my balance {$210.00}, afterwards there were other charges of - {$10.00}, balance of XXXX, then - {$25.00} with a balance of {$180.00}, then - {$56.00} leaving a balance of $ XXXX.Now here is the problem, I used the phone app which showed a balance of {$79.00} and withdrew {$60.00} which showed I had a balance of {$19.00}, I then made a purchase {$1.00} and there was a charge for {$7.00}. From my app these charges did not constitute an overdraft, however when I logged back in I found that the all transactions except the {$56.00} debit was charged a {$36.00} fee. My sincere concern is this, if the {$19.00} charge came through on XXXX XXXX, XXXX and the amount was subtracted to change my balance from {$230.00} or {$230.00} to {$210.00} and we continue to deduct the transactions from that balance that when the {$19.00} finally showed up on the account as a transaction on XXXX/XXXX/XXXX it should not have been charged a {$36.00} fee because the amount was already put on hold and deducted from the original balance at the time it was presented. My concern here is that if you put funds on hold and deduct it from a customers account you ca n't post it later as an NSF to get excess fees. It appears also that from the banks prospective even though I saw on my app that there was {$79.00} in the account and there was only {$59.00} when I made my ATM withdrawl, I was charged {$36.00} because I was {$0.00} short. After this series of charges anything else that came in, Suntrust just charged {$36.00} at will. I charge them with intent to defraud. Please advise and look into their banking practices. My account number is XXXX and the routing number is XXXX. You do have my permission to gain access to this account for your reviewing purposes.
Regards, XXXX XXXX XXXX, # XXXX
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| 05/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XXXX XXXX 2017 , I used my debit card at a gas station around XXXX . I then headed to work where I stayed until the evening. I have a signed document from my boss confirming my hours. My card was with me the entire time and can be proved since I used it a couple times while in the area. By about XXXX there was a " balance inquiry '' made at a random ATM on the other side of town which we know of bc we were charged a {$3.00} fee. By late afternoon/early evening there were 2 mone y orders taken out of our account for {$700.00} each and were picked up at the sam e location ( post office ). We have copies of the signed money orders ( 2 different signatures/names ). Our checking account was completely drained, we called Suntrust and they refunded us the {$1400.00}. We thought all was well. Then about a week later we received a letter saying they were t aking the money back. We were astonished and confused. For weeks they refused to tell us why. They said that the " investigator '' re ported too many inconsistencies, whatever that means, and would n't give us any details on the investigation itself ( if they checked camera footage, etc ). I filed an appeal here and got denied again. Then they finally told us that apparently because they had my pin and I had a chip that it was next to impossible, and that its not really heard of. I have been doing research for a while now and have eith er found, read, or heard first hand stories of this happening. It 's called shimming. Suntrust did absolutely nothing to try and catch the people that did this and have put us in a situation where apparently we have to prove we are good people rather than do any actual investigating. {$1400.00} is nothing to a bank, but it was all we had. I have had a police investigator on the case and we also got a credit card at his recommendation so that we hopefully never have to deal with someone stealing our hard-earned tangible m oney again. So here I am, appealing once again for someone to take more than 5 seconds to look at our case because chip reader and pin information are being stolen all the time. It 's not " rare '' an ymore.
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| 07/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Loan sold or transferred to another company
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Web |
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I 've learned while I was under wage earner, my identity have been stolen and is being abused. My personal information have been stolen. Drivers license, social security card. My date of birth changed with all XXXX credit agencies, my former employers have been changed from XX/XX/XXXX - XX/XX/XXXX . All of my former addresses have been changed.
While under wage earner t he bank changed to Sun trust Bank. I never had a loan with sun trust. My payments were payroll deducted by my former employer XXXX XXXX XXXX XXXX . I 've learned it is an inside job, the theft of my identity. XXXX XXXX posed as a paralegal with the XXXX XXXX XXXX . I filed a XXXX XXXX law sue in XX/XX/XXXX . The family began preparing my death without my knowledge. In XX/XX/XXXX I was gi ven a XXXX XXXX of XXXX XXXX in the doctors office. I was flown to XXXX by a private jet. Both parties expected for me to pass away. They were told by the doctor if I do n't have a XXXX XXXX I would n't survive. XXXX XXXX amended & restated all of my tax returns and made themselves my conservator. They took my home in XX/XX/XXXX by selling the first mortgage on my home. The family refinanced my 2nd mortgage and took my home while I was under wage earner. I am reporting to all of my creditors. The case number was XXXX . I was discharged on XX/XX/XXXX with XXXX XXXX . My social security number is XXXX . My credit report do n't show the last four digits Of The loan/account number. This is the reason I included my social security number. My drivers license number is XXXX . I 've reported the theft of my drivers license to the department of motor vechile in the state on Tennessee. Nothing has been done. I 've changed my last name to my maiden name, which is XXXX . I kept my married name to prevent losing history. My parents are deceased, my father XXXX XXXX XXXX passed away in XX/XX/XXXX . His social security number is still being used by the XXXX Family . My mother name us XXXX XXXX XXXX she passed away in XX/XX/XXXX . The FBI told me it 's an inside job.
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| 06/29/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I was given a pre-approval and the green light to start looking for a home with Suntrust around XXXX XXXX 2015. Made an offer on a home on XXXX XXXX and the process " started ''. Was given the closing date of XXXX XXXX 2015. Went through all the inspections and the whole XXXX to get this home. My seller is/was starting their process to move and find a hime out of state. On XXXX XXXX I got an email ( not even enough respect for a phone call ) stating that I would not be closing on XX/XX/XXXX. Once I make a few phone calls to figure out why, I find out that my loan officer and the processor forgot about me and never even sent me to underwriting. After my sellers agreed to an extention, and Suntrust " doing everything they can '' I find out on the XXXX of XXXX that I was denied. Reason was because of my self-employment relocation. This is something I told Suntrust the very first day I walked in to get pre-approved. I find out after this, that this is something that was known the whole time that I would never have been able to get a loan through them and was just strung along through the whole process, so they could " exhaust every resource ''. It 's a shame that such a large bank and a loan officer that holds the position of VP of the mortgage dept. here locally, can lie to someone and put a huge burden on them while trying to make a major life decision and change. I have been XXXX miles away from my wife and XXXX young children during this whole thing and am now XXXX as I already sold my home in Florida. I must now scramble to find a home to rent as my seller will not sign another extension. All due to Suntrust not doing their job. They have agreed to refund me any money that I have paid out of pocket for inspections, appraisal, etc - and to me, just shows that they know they are guilty in the situation as they are not obtained to do so ( because I should have never made it past his desk in XX/XX/XXXX with a pre-approval letter ). I feel Suntrust should make it right with a customer that they have had for over XXXX years and see that I have the credit, cash, payment history, and income to support a loan from them.
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| 02/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
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On XX/XX/19 I made a deposit in the amount of {$500.00} to a suntrust ATM located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In the middle of the transaction the ATM malfunctioned and restarted. I immediately called into the customer service line to make sure my deposit went through ( time of call at XXXX Saturday XX/XX/XXXX ). I spoke with a representative that let me know that the deposit did in fact go through. I asked if I needed to take any further action and was informed that I did not.
On Sunday XX/XX/XXXX I was auditing my account and noticed that the deposit for XX/XX/XXXX was not reflecting on my account. As it was a Sunday I waited until XX/XX/19 at XXXX to call in to customer service and speak with someone about my lost deposit. A claim representative let me know that he saw a deposit was attempted but it did not ultimately go through. I was told that I would have to wait for an investigation to be completed but a temporary credit could be applied to my account in 10 business days. I expressed my concerns about having to wait 2 weeks to have access to my money due to a malfunction with their equipment and was not offered any solution to that.
XX/XX/XXXX at approximately XXXX I went in to the branch where the transaction took place. I asked if the branch had access to the ATM camera and was informed that they did not as they do not service the ATM themselves. I asked if the temporary credit could be expedited, a representative called the disputes line and was informed that we would not be able to do so. It was brought to my attention by the representative that their power went out 3 times over the last month. I was told that I would have to wait for a count to occur and see if they have surplus cash.
At this time I am not confident that Suntrust will give me access to my deposit. Furthermore, if I hadn't noticed that my deposit hadn't posted they would have kept my money. The ATM didn't give me a receipt ( turned off in the middle of my transaction ), I don't have access to the video from the ATM, I don't have access to the calls I made and the counters could just lie about having surplus cash.
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| 08/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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|
Web |
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After an escrow recalculation in XXXX of this year, I paid the shortage of {$2600.00} in full, however, I did not update my payment with the new amount that started in XXXX. So my XXXX payment was short approximately {$130.00}. Suntrust put my payment in an account and attempted to reach me via phone. They also sent a letter at the end of XXXX ( attached ) which I disregarded as instructed in the letter. The letter does not state that my payment was short, it in correctly stated that they did not receive my payment and if I sent it to disregard the letter. I knew that my payment was sent so I disregarded the letter. Because they did not properly notify me that my payment was short, my XXXX payment went out short {$130.00}. For 12 months prior to this point, I not only made my payment, but actually paid extra on principle, yet Suntrust says they did not know what to do with my payment so they sent it back in check form. They held on to my money, tied it up in a check, and then reported me 30 days past due to the credit bureaus. I only knew something was wrong because my score dropped XXXX points. I have disputed this directly with them, and through the 3 CRA, however Suntrust believes that this process is not only fair, but reporting me 30 dpd is a true reflection upon my risk to them and to other lending institutions even though they had more money of mine than I actually owed because of the shortage payment in full. In 30 years, I have never missed one payment and because of their system limitations and improper notification, I am not unable to say that any more. I have not talked to one person at that organization that has been the least bit helpful with this. I had one person tell me there was no one there that could help me with this. There is nothing logical about this practice and every time I try dispute this, they say it is resolved. It is not resolved, I have attached a recent letter that I received, the correspondence associated with this and the system notes from my account. They refused to provide me their written policies and procedures for reporting deliquent account when there is a short pay
|
| 08/07/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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|
Web |
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I write to you in the hope that you can persuade Suntrust bank to help me to recover my money and honor all the terms of its agreement with me. On numerous occasions I have tried to discuss the situation with the Suntrust representatives, but they are unwilling to cooperate. In short, I can not solve the problem myself, and I want to avoid hiring a lawyer unless it becomes absolutely necessary. On XX/XX/XXXX I purchased online a watch for the amount of {$170.00}. The merchant, ( XXXX XXXX ), promised to deliver my watch by XX/XX/XXXX because according to their information all their watches are made by hand. After the merchant failed to comply with the delivery, I contacted the merchant by email, to cancel the transaction, and requested them to return my money in my Suntrust account. On XX/XX/XXXX, after I noticed that the merchant failed to return my money, I contacted Suntrust bank to dispute the transaction ( XXXX XXXX. XXXX ). On XX/XX/XXXX, I was notified that the Suntrust Bank decided to not assist me with my dispute because the dispute was not filed within 60 days from the first bill on which the unauthorized transaction or error appeared in my statement. On XX/XX/XXXX, I called Suntrust bank ( XXXX ), I was transferred from one person to another, until I was finally able to speak with a supervisor. According to the supervisor : Suntrust bank was unable to dispute the transaction because the dispute was untimely filed. I responded that his statement was unsupported by the Suntrust account agreement, because the terms of the agreement clearly states that a customer should contact Suntrust bank within 60 days after the error appeared on the customers statement. Here, the dispute has nothing to do with an error or unauthorized transaction, the dispute was filed immediately after the merchant did not comply with the delivery date. In addition, the dispute was not filed within 60 days, because the merchandises delivery date was scheduled after the 60 days timeframe. Finally, Suntrust bank should not penalize me or any other customer for undisclosed 60 days dispute timeframe for non-error transactions.
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| 12/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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|
Web |
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On XX/XX/2019, I refinanced my mortgage with XXXX XXXX XXXX, and closed my loan at SunTrust Mortgage. On XX/XX/19, I paid my property taxes personally at the City of XXXX, MA in the amount of {$1400.00} so I could close on this date. I received a payoff quote from SunTrust on XX/XX/19 in the amount of {$330000.00}. On XX/XX/XXXX, SunTrust also paid the property taxes, during this time I requested that they not pay the taxes and they told me that they were unable to remove the funds since they were already on the " spreadsheet '', however they would return the funds to me once the City of XXXX sends them back. I continuously called and asked for updates. On XX/XX/XXXX, I called the City of XXXX and asked if they have sent the funds back to SunTrust, they were due to be sent out that day. On XX/XX/XXXX, I contacted SunTrust again, they said that the funds have not been received. On or about XX/XX/XXXX, I contacted SunTrust again and the funds had been received, but they had to wait for the funds to clear the account before a check refund could be processed. I called again on XX/XX/XXXX to validate the funds have been cleared and was assured they were and a check would be issued. On XX/XX/XXXX, I contacted them yet again, and this time they informed me that I would not be receiving the refund as they had advanced the funds to me and did not include that amount in their initial Payoff Statement, then they quoted me an additional payoff statement in the amount {$330000.00} for XX/XX/XXXX. My loan was closed on XX/XX/XXXX. At no time during my initial conversations was I informed that I would not be receiving the funds back until XX/XX/XXXX. I spoke to several different departments, Customer Services, Property Tax & Escrow and escalated the call after being on hold for at 40 minutes each time. I believe I am entitled to the funds as I paid my taxes myself. Why would SunTrust pay taxes on a mortgage they no longer own and also use a different payoff figure 15 days later? I would like an escrow analysis done on my account. Also I can provide you all of the documentation and my broker 's contact information.
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| 05/03/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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|
Web |
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On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.
|
| 08/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
Older American |
|
We had a contract for the sale of our home from a XXXX who had a letter of pre-qualification for {$650000.00} from SunTrust Bank. The buyer complied with all the requirements were given successful progress reports from the Loan Officer and as per the XXXX XXXX, 2015, purchase agreement surveys were done, inspections were done, small termite was fixed and home tented as per the contract requirement, we moved out and sold our furniture and today, the day before the closing, the Loan Officer at Sun Trust bank called the buyer and notified him that they were soon sending a letter of denial which can not possibly arrive before the closing date on the contract. The buyer was told at the end of last week that the loan officer was schedule to speak to the Chief Underwriter on Wednesday the XXXX to get his approval for approving the loan, but that the bank had added a new condition ( a week before the closing ) that the buyer had to sell his home before the closing to get the loan approved. The buyer was told it was a new rule that the bank had just put in place. A bank loan officer regularly dealing with real estate gives the buyer one week to sell a {$300000.00} plus property. Toda, Thursday the XXXX I received a text from the buyer that the bank Loan Officer told him that he will be sending a denial letter. In the mean time we as sellers had to leave our property for termite tenting required by Sun Trusts before closing ( which killed all the landscaping in the flower planters and makes it impossible to present for sale efforts ), moved out contents, sold our furniture, and the bank seems to bear no liability for disrupting XXXX families, particularly the seller who now has an empty home very hard to present as it is empty and with not furniture or decorations. Are there no regulations on the timing that a bank has to notify the parties officially when a loan is being denied and for what reason and do so timely to allow buyer to resolve the issue and the buyer not to proceed as though the process has no problems that will prevent a closing? If that is the case, it is time for more regulations and not less.
|
| 10/07/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
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On XX/XX/2019 I found that Sun Trust illegally charged my personal advantage checking account {$20.00} fee by using description " a monthly maintenance fee for XX/XX/2019 statement ''. I truly believe that this is banking error and illegal deduction without my consent. So I contacted this bank immediately by using online secured messages twice. However I never heard anything about my complaint. On XX/XX/XXXX and XX/XX/2019 I sent three emails to both customer care and a branch representative named XXXX XXXX to ask them to reverse this illegal fee {$20.00} because this personal advantage checking account was linked with business account and overall balance was {$10000.00} according to the bank 's terms and conditions and fee schedule. However I never heard anything from both customer care and XXXX XXXX - the person who opened my account in XX/XX/2019. Then I called customer service XXXX three times especially on XX/XX/XXXX and XX/XX/2019 by speaking with XXXX, XXXX and another female supervisor. I clearly stated that I have spent at least 4-5 hours to complained this {$20.00} fee problem caused by Sun trust without any reason. I further stated that not only the bank must return my money {$20.00} but also you have to pay my time {$300.00} per hour for at least 4-5 hours due to ignorance of customer 's complaint. By giving them several times notice I have no choice but to file formal CFPB complaint about this illegal deduction without my consent which severely violated my right and terms & conditions, fee schedules etc. In the past, I also brought anther issue in front of Suntrust due to promotional bonus {$500.00} and {$750.00} for this account. The promotional offer says " a new personal checking account with direct deposit morn than {$500.00} within 60 days of account opening plus 10 debit transactions ''. However I was only paid {$250.00}. I have explained numerous times to Sun Trust that a thief in East coast stole my bank accounts plus my property was illegally taken away. So total cash loss exceed {$100000.00}.
Therefore this bank still owe me {$500.00} based on the current market rate.
|
| 05/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
This is not a duplicate complaint. The last complaint was basically ignored. I have attached records that Suntrust does not seem to have.
In XXXX I was forced to refinance my second mortgage with Suntrust Mortgage.
This was to refinance a XXXX Massachusetts High Cost Home Loan with SunTrust Mortgage.
Suntrust never properly rectified the original high cost home loan. They claim they had refunded me the interest of the previous loan, but this money was used for closing costs of the new loan. All of the funds of the previous loan went into the closing of the new loan. They also did not properly notify me that they were in violation of the statue.
This created a new Massachusetts High Cost Home loan since I paid the closing cost. Suntrust has denied this, but I was able to obtain the check that I was then forced to sign over to attorney for closing costs. This is fraud.
Since this was a Massachusetts High Cost Home Loan, I had an extended right to rescind.
I exercised this absolute right to rescind which SunTrust ignored. They did not dispute or in any way argue against this recession. I have attached the rescission letter, and email I had sent. I also attached the USPS form that shows SunTrust received this rescission.
Since this loan was rescinded SunTrust does not have the right to report this a mortgage account.
I had previously been offered {$15000.00} to settle this loan. In a previous complaint SunTrust had said that they had not record of this. I still have these records and have also attached them.
In short Suntrust does not have the right to report the mortgage since it was properly rescinded and they never disputed this rescission.
Please see attached : 1. The right to rescind letter and form 2. The first page of the email that I sent to SunTrust which was a copy for the rescission mentioned in # 1 3. Copy of the Bank Check provided to the Real Estate Attorney with the instructions to immediately sign over to attorney. Not sure if Suntrust or Attorney made this note.
4. The letter from XXXX XXXX on behalf of Suntrust offering {$15000.00} to settle case.
|
| 12/10/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My mortgage account is currently in bankruptcy. Approximately around XXXX 2015 I submitted complaints to both the CFPB and XXXX in reference to SunTrust charging me {$1700.00} in fees. I was not notified of the fees and SunTrust also gave their lawyers inaccurate account information that led to a foreclosure process. In XXXX I received a letter advising that {$110.00} in fees was valid and the difference was credited. I called SunTrust to verify the amount I needed to pay for my Mortgage since there was going to be a scheduled change in the amount. Since I was advised my account was current, I was able to speak to a regular agent instead of being transferred to the Bankruptcy team. I also inquired about the fees owed. The agent advised me it was {$20.00}. I made sure to reaffirm the amount. I went into the branch and made my regular payment in addition to the {$20.00} in fees ( XXXX 2015 pymt ). In XXXX 2015 I received a letter advising that SunTrust filed post-petition fees in XXXX 2015 with the Bankruptcy courts in the amount of {$120.00}. This was the first time I have seen this document. Why was this amount not discovered during the four weeks of investigation on my account in XXXX 2015? Is the {$120.00} in addition to {$110.00} I owe? I hope this is another misunderstanding. I need to know EXACTLY what is owed in fees. So far I have been given various amounts from SunTrust ( {$110.00}, {$20.00} and now {$120.00} ). Also I called again just last weekend and your XXXX now has my account as past due. Please also note that due to my account being current I was denied a loan modification earlier this year. These conflicting status and amounts on my account is unacceptable and needs to be addressed. The inconsistencies make it quite hard to trust that all the departments are sharing appropriate information to manage this account. I hope this would be my last complaint and I would be able to get my account straighten out. I have attached a copy of response from the first compliant and the post-petition notice for your review. I should not have to spend this much time on this issue..
|
| 07/26/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
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|
On XX/XX/XXXX we initiated 3 separate wire transfers to an account at Suntrust bank in the amounts of {$12000.00} {$16000.00} and {$20000.00}. The wire transfers listed XXXX XXXX XXXX as the beneficiary ( XXXX offices only exist in 2 states and Suntrust does not have branches in either one ) and the listed beneficiary did not match the account holders name. The money was intended to be for closing costs on a real estate transaction. One transfer completed on the XXXX and the other two completed on the morning of the XXXX. On the XXXX when we realized this was part of a wire fraud scheme our local sheriff department immediately reached out to the known contact he had at Suntrust ( he had the exact same situation occur a few weeks prior ). He was told at that time that all of the money was still in the account and a freeze was placed on the account. On Monday the XXXX we met with him and he called to verify that funds were still in the account but over the weekend they released almost XXXX of the XXXX that was sent.
I called independently to ask what their policy was when a wire transfer was received that had a beneficiary that did not match the account holder and was informed their policy was to reject the transfer ( standard banking practice ). This clearly did not occur for the 3 separate transfers and all 3 were accepted. It is also worth mentioning that the account was newly established and with only {$100.00}.
This event stems from someone emailing and pretending to be our closing agent. They actually provided me two separate Suntrust account numbers during the whole ordeal. I have since emailed that person and was provided with a third Suntrust account number. Including the first victim that is four total Suntrust account numbers. Clearly Suntrust has an issue and do not follow their own protocols that would protect themselves and their customers from being victims of these schemes.
We have been told since XX/XX/XXXX that we would be receiving just under {$29000.00} back and that a check had been issued and would arrive by XX/XX/XXXX. The check has not been received.
|
| 05/31/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
XX/XX/XXXX I was in a terrible accident and I could n't make my car note payment which is actually to high and I have repeatedly attempted to get SunTrust Bank to lower my payment in order to avoid any financial issues with the bank. I have called them in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX if I am not mistaken. Each time I have asked for a lower payment schedule only to be denied for several reasons. I am a XXXX XXXX XXXX with a limited income and at the time of the loan payment I was working at XXXX. However, I am no longer with XXXX and need to have my loan interest rate lowered, and the monthly payment as well to ensure that I can not only pay for the vehicle but not continue to have their debt collectors, and repossession office calling me leaving messages. My car payment stands at {$380.00} with an interest rate of 6.84 % which if could be lowered I would n't have any issues with keeping my payments current and up-to-date. Today,XX/XX/XXXX, I was speaking with one of their collectors XXXX he would n't give me his last name but his # id number is XXXX. I stated to him that I was in a hit/run accident and was just recovering from the entire situation and that I would be able to make a full payment this week Friday, XX/XX/XXXX and he because hostile, rude, disrespectful in nature, and completely unprofessional to understand my current situation and my desire to make a payment arrangement and told me that SunTrust was n't interested in my making a payment unless it was a complete payment of XXXX to bring the account current from the previous 3 months which was due to the accident and lost of income. I even offered to have them speak with my attorneys who are going to settlement with the lawsuit for the accident. XXXX, the SunTrust employee refused to listen, became even more aggressive and did n't think before he spoke. This is unacceptable behavior from a bank and I want SunTrust Bank to deal with my situation with professionalism and their employee with appropriate actions. The number I called was XXXX Debt Collection The number for the bank itself I called XXXX Thank you
|
| 10/03/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
**PLEASE HELP. STOP TOMORROW 'S FORECLOSURE : XXXX XXXX, XXXX This is my XXXX complaint against SunTrust Mortgage. I see from SunTrust 's response to my previous complaint that they claim they have no record of our applying for a modification. XXXX of the modifications we applied for with SunTrust took place in XXXX 2016. As previously stated, it was at that time, that XXXX XXXX XXXX of SunTrust 's Loss Mitigation Department, recommended to me that in order to stop a foreclosure that was scheduled for XXXX XXXX, I should apply for a modification, which I did. A copy of said application along with XXXX of XXXX XXXX XXXX 's emails to me is attached to this complaint. Also at that time, as there were multiple client relationship managers with which I had to work, there was extreme confusion that came up at the last minute, about filing for a modification vs. selling our home. If one ca n't apply for a modification and list the property for sale at the same time, then why would applying have been recommended to me? Why does SunTrust 's modification application form ask if you want to sell the property? Why does the form not clearly state that if the consumer 's intent is to sell the property, then modification is not an option. In short, I was lead down a confusing rabbit hole on this issue. Now SunTrust is attempting to hide behind this confusing smoke and mirror tactic that they purported on me. We were having to make major, life altering decisions in a rush, due to SunTrust 's tactics. As I 've stated before, we were only attempting to sell the home as SunTrust had previously refused to work with us on a modification. We were then hit with a doubled monthly mortgage payment. All of this, yet again, demonstrates that SunTrust has not demonstrated good faith in working with me to save my home. In XXXX 2016 as now with tomorrow 's foreclosure date, they have denied me ample time in which to address these confusing and complex issues. This is simply more of their blatant predatory practices. PLEASE STOP THIS FORECLOSURE!! Please thoroughly investigate these events and save my home!
|
| 07/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have an interest only home loan that was to convert to principle and interest. I called in the past and was told the conversion date would be for the XXXX 2016 payment. I paid the normal payment amount in XX/XX/XXXX and apparently the information I had been given in the past was incorrect and my payment increased from approx {$2800.00} to {$3700.00}, a $ XXXX increase. I was not called and told that the normal payment was insufficient. I had no prior notice of the cost increase. Now, I am trying to pay the XX/XX/XXXX deficiency and the XX/XX/XXXX payment and I am unable to make a payment online or by telephone. I am going to be reported as delinquent and I do not think I should be since I was given incorrect information and no effort was made to reach me before the implementation of a late charge for the XXXX 2016 payment, let alone before the payment because delinquent due to the shortage amount. Clearly, there was a miscommuniciation on the amount due since I paid the normal monthly payment timely. I ask that they not report me as delinquent for XX/XX/XXXX as a result. I also ask that they not bar people who are delinquent from paying online or by phone. You say I 'm late, but wo n't let me pay? That is crazy. I also think it is terribly unfair given that I 'm supposedly 40 days delinquent and have n't received a single collection call to tell me so? This is especially hard to accept when I clearly paid the amount I normally pay - obviously this was a mistake. The risk of payment shock alone should have put XXXX on notice that extra attention should be paid to loans like this in its portfolio. It is terribly unfair and their prior discussions were very deceptive as to the payment date change. The key result desired, however, is for them to take the payment due and NOT report my account as delinquent. I am selling the home ( b4 XX/XX/XXXX for the sole purpose of avoiding the higher payments ) and buying a new loan and this will cause me great financial hardship in that I may not get my loan or it will be on much less favorable terms than have currently been made available.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
On XX/XX/XXXX Suntrust allowed XXXX to withdraw {$1100.00} from my bank account, without my approval, using a debit card ending in ( XXXX ) that was no longer active for it was closed by Suntrust on XX/XX/XXXX due to fraud. XXXX was never set up on automatic withdrawal for I would have to go into my account each month and submit a one time ACH payment. XXXX never had my routing number or my bank account number only the debit card information ending in ( XXXX ) which again was used for one time ACH payments. Attached is a timeline along with other proof documents which goes into detail our experience with XXXX. On XX/XX/XXXX we left XXXX due to months of dealing with their billing incompetence. There is no contract for service only for the devices. After we left XXXX they sent return boxes and labels. I returned all 4 phones ( proof attached ). I then received a bill for {$1100.00} which is obviously not correct for we only owed them one month of service. I then received a letter from a collection agency dated XX/XX/XXXX for the same incorrect amount {$1100.00}. On XX/XX/XXXX Suntrust allowed XXXX to withdraw the {$1100.00} using the closed debit card ending in XXXX. I placed a claim with Suntrust that day. Suntrust never retruned my funds while investigating and then denied my claim before they even received my proof. I submitted a rebuttal which after 45 days was denied for their decision did not change, I provided 17 pages of proof to back up my case. I did receive 2 reasons from Suntrust while speaking to two different agents for why XXXX was allowed to steal my money, both were different reasons.
1. Suntrust stated I had a contract with XXXX therefore they allowed them to take an unauthorized payment ( Suntrust is my bank and a 3rd party that should not have been involved in civil matter ) 2. Suntrust stated XXXX was able to use a prior one time ACH payment approval code to push the unauthorized payment through on the closed debit card. ( I do not see how that is lawful for a one time ACH payment is for a specific amount for a specific date and is a one time payment )
|
| 08/29/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
After reviewing my Home Equity Account that I have had with SunTrust for over ten years, I requested an audit. I have been making additional principal payments and these payments have not always been applied properly. According to my review, SunTrust has adjusted payments, and applied interest to those payments. Those payments should have been applied as principal only. According to my records, my current balance does not reflect all the principal that should have been applied to the account.
I have called the Home Equity Department at SunTrust starting on XXXX XXXX, XXXX and have received the worst customer service responses to my request for an audit. I have made over seven calls to the department in less than 30 days. Each time being told it would two days to review, each time when I called back for a response to my inquiry, I was being asked the same question over again. " Why do I want an audit done ''. Each time not being given any additional information to my request ( which should have been completed in two days ). Each time being informed that they needed specific examples/additional information to why I am requesting an audit -- before they can do an audit. The customer service representatives were courteous. Unfortunately, the department 's responses were ineffective When I provided just one specific example/information -- - A payment of {$950.00} should have been applied as principal only but interest was taken out. When I call back on XXXX XXXX, for a resolution to this one example, I was advised by the representative that the back office advised that it went back too far, and that they made the adjustment in XXXX. I advised that no adjustment was made in XXXX, XXXX. The representative agreed that she did not see any adjustment either.
I have been paying more than the minimum payment for more than three years -- and it is not acceptable that these payments were not applied correctly and in accordance to banking laws and regulations.
After attempting to work with SunTrust, I am formally writing to request an audit of my entire account.
Sincerely, XXXX XXXX
|
| 07/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am following up on case XXXX. While the issue was once resolved, it has now resurfaced. Please read below.
I refinanced my mortgage through XXXX XXXX. I closed on refinancing on XX/XX/2019. I was directed by XXXX XXXX to make my monthly payment to XX/XX/XXXXXXXX XXXX, their loan servicer. I made a monthly payment as well as two payments toward the principal. In total, I paid XX/XX/XXXXXXXX XXXX {$3500.00} between XX/XX/XXXX and XX/XX/2019. Of the {$3500.00}, {$1200.00} was interest, {$480.00} was escrow, and the rest went towards my principal balance Sometime in late XX/XX/XXXX, XXXX XXXX sold my loan to Suntrust.
On XX/XX/2019, I filed a complaint against SunTrust through CFPB. The case number was XXXX. After several weeks of waiting, the issue was finally resolved in my favor with the {$1200.00} applied as of XX/XX/XXXX and my payment due XX/XX/XXXX applied as of XX/XX/2019. At this point, I thought the issue was resolved.
On XX/XX/2019, I received three letters in the mail from SunTrust stating that the {$1200.00} of missing payment was transmitted to Suntrust from XXXX XXXX XXXX ( XX/XX/XXXX ) on XX/XX/2019 and that the order of payments had been adjusted to ensure the proper allocation towards principal and interest.
On XX/XX/2019, I received an email from SunTrust saying the check for {$1200.00} had bounced. I called the SunTrust Mortgage customer service number and was told a stop payment had been placed on the aforementioned check. As of XX/XX/XXXX, my mortgage principal balance does not reflect the {$1200.00} paid to XXXX XXXX XXXX in XX/XX/XXXXof 2019. It also does not reflect the {$2200.00} I paid to SunTrust on XX/XX/2019. I spoke with XXXX XXXX in the Mortgage Payment Solution department who said she would ensure the XX/XX/XXXX payment was reapplied in the interim to ensure my account was not in default.
As of XX/XX/2019, my mortgage balance is misstated as it does not contemplate the {$1200.00} I paid to XXXX in XX/XX/2019. The payment on made on XX/XX/2019 will need to be adjusted to account for the correct amount of principal and interest.
|
| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
SunTrust Bank wrongfully reported a late payment and delinquent account status to the Credit Reporting Agencies for our home mortgage account, which destroyed mine and my wife 's credit scores, taking my own score from an excellent rating of above XXXX to a poor rating below XXXX in a single month. In our annual escrow account disclosure statement SunTrust informed us our new monthly mortgage payment would be {$2600.00}, effective XX/XX/2019, if we paid an amount of {$2100.00} that they determined to be a shortage in our escrow account based on their estimate of what our escrow expenses would be in the coming year. We decided to pay that amount in full in XXXX of 2019 after we received our tax refund. We paid {$2600.00} on time in XX/XX/2019 and SunTrust deposited the check. On our next mortgage statement SunTrust reflected the {$2600.00} as being held in suspense until our escrow amount was paid in full, which we planned to pay in XXXX of 2019. In early XXXX of 2019 we submitted another on-time mortgage payment to SunTrust in the amount of {$2600.00} and SunTrust deposited the check. Our plan was to submit the the escrow amount in the coming weeks, but we learned that on XX/XX/2019 SunTrust had reported our account to the Credit Reporting Agencies as delinquent, despite depositing our two previous checks, and despite communicating to us the amounts we paid would be held in suspense. When we called to inquire we learned SunTrust was mailing us checks back for the amounts we paid and they deposited, contrary to their prior communication that those amounts would be held in suspense. By the time we received 2 separate checks in the mail and then mailed SunTrust back the total amount they claimed they were immediately owed it was XX/XX/2019. We requested that because this was the first time we ever had an issue with our mortgage account, and because we put our account in good standing in a timely manner, and because we otherwise had a perfect credit history, that SunTrust remove the late payment they reported, and cease to classify the account as delinquent, but they refuse.
|
| 02/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
In XXXX 2015 my husband went on XXXX, the year before we had a modification, we were not prepared and 3 months went by when i called Suntrust they said we no longer offer repayment plans you have to pay it all. Well, we did not have all the arrears then since my husband was in XXXX. His process lasted until end XXXX and in XXXX they dismissed his case and went back to normal pay by then i had already submitted a workout package to Suntrust. They went ahead and recorded and XXXX and by XXXX NOT even do we were under review, telling we will postpone. Then mod gets denied and they tell me that we no longer aqualify for any workout because of our previous mod ( which was never explained that if we got that mod and there was a change of circumstance we will not qualify ) Everytime i call i get told we have a sale date but send a package for review, then i get told no you dont qualify, i feel there is dual tracking and nobody really knows what to tell us anymore. All i have been asking since last summer is for a repayment plan since we are back to normal and im making enough money to cover the payment and the arrears in a repayment plan i even offer them to add to back of the loan and do a balloon payment. our goal was never to loose home, in XXXX when we got the XXXX my wife lost her dad which put my family at more stress. We have worked with Suntrust and provided all the documents required 3 times already and honestly not sure why. I am a XXXX from XXXX XXXX with 20 years in and i have proposed several solutions to them to help and now the only solution is {$28000.00} or foreclosure, to my understanding CFPB is her to help and at this point i have no other than to ask for help. My family loves our home i did not get sick on purpose life happened and now i am trying to take my house out of foreclosure, when Suntrust can clearly see i can afford it and will repay them. We pay the home insurance on time all the time and keep up the house and take care of the home, we have {$7000.00} saved to start repaying all we need is a chance to get cought up.
Thanks for your help XXXX
|
| 06/05/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
I have a XXXX with SunTrust Bank. Their online payment system is very buggy at best and they refuse to even acknowledge that they have a problem. If it was an annoyance that would not be so bad but this is costing their customers a lot of money. The system either sometimes acknowledge an online payment but does n't actually submit it and sometimes refuses an online payment but actually take the payment. On XXXX XXXX, 2017 I attempted to make a payment of {$250.00} online and the system rejected it twice. I call customer Service for help but was told that they could my bank with the routing number. There was nothing wrong with my routing number. I called the next day ( XX/XX/XXXX ) and was able to make the payment and the representative told me that the other attempts were not successful. I talked to a supervisor ( XXXX ) and he confirmed that I was unable to make the payment on line. He insisted that there is nothing wrong with the bank online system. The next day I checked my account on line again and noticed three payments ( 2 on XX/XX/XXXX and 1 on XX/XX/XXXX ). I called SunTrust and was told by XXXX not to worry as their system shows only 1 payment made over the phone. When I checked my personal checking account however, it showed that SunTrust withdrew {$750.00} ( three times {$250.00} ) from my account. I called SunTrust back and asked to talk to XXXX the supervisor again but was told that he suddenly went on vacation. I talked to two other supervisors, XXXX, XXXX and one manager, XXXX and was told that the best the bank can do is issue a refund but I would have to wait at least ten business days. Now my other bills are in jeopardy of defaulted and SunTrust would not so much acknowledge that they have a problem. I understand that this bad system does n't affect the bank as they are able to collect late fees when their system fails and benefit from people having bad credit scores since they can charge higher rate, but I do n't think they should be allowed to defraud their customer like this. This is morally reprehensible and ultimately will be bad for business.
|
| 07/31/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
On the XXXX of XXXX, I deposited a check for {$3000.00} to my Suntrust Savings account. The check was from my personal XXXX account. The check cleared and the money was deposited in my Suntrust account, however the very next day my Suntrust accounts were closed by Suntrust and placed into fraud review. I called Suntrust customer support on multiple occasions to address the concerns. On every occasion I was told I couldn't be helped and to wait and see what the fraud review was all about. I went to address this problem in person at my local branch, XXXX XXXX SunTrust Branch. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX, VA, both the customer service representative and the branch manager tried to help obtain more information about the case and I was told they cant help. I provided both the customer service representative and the branch manager, copies of the deposited check, XXXX XXXX statements showing the funds were withdrawn, and Suntrust statements showing the funds were deposited and I was told again, its a fraud case and there is nothing that can be done or that I can do. Its been about 5 months without any clarification or mention of when I will obtain my funds. I've spoken to XXXX and they said if it was fraud, Suntrust would never have deposited the check, and if they were investigating it, that the investigation would not last more than 30 days. The local branch echoed the same information XXXX told me too.
I am unsure what to do now. The management of this case has been mind boggling and we still have no answer. At this point in time I believe Suntrust has not acted fairly or been clear about the suspected fraud even when provided all the material evidence : deposited check, bank statements and pay stubs from the U.S. Department of State. In addition, I believe this is an act of discrimination that can no longer be tolerated. Suntrust has not only withheld my money, but has also caused significant stress on my financial standings by closing my accounts, freezing my money and demanding payment of credit cards even though the bank has frozen my funds.
|
| 07/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
SunTrust bank has stolen money by assessing charges not needed on the account. I have a Business checking and on XXXX/XXXX/2016 a deposit was made of XXXX however, the bank took all my money claiming I owed fees. The account had a beginning balance of XXXX. It is a new account that I reopen because I have a small business. I delayed from having any real activities because I have been violated by XXXX bank and XXXX XXXX involving thousands of dollars in bank fees and over draft supposedly. However if the balance was XXXX and I spent XXXX how is it possible for a XXXX to be attached to me and furthermore how is it possible to accrue a fee at all XXXX than the XXXX maintenance fee for not having XXXX in the account. secondly there was another charge of XXXX and another fee of XXXX was added. The bank took all of the XXXX and justified it off of bogus charges. I did get fast cash back off of XXXX understanding a fee would be attached. I also was expecting and still expecting a large amount social security to be deposited in my account. when I asked the bank to pay XXXX XXXX they did not pay and charge me a fee of XXXX when their is a XXXX-card logo that could decline the transaction. I was charge another extended fee {$76.00} which was not discussed during the banking process. So all my money is gone. I also have had issues with my accounts in the past and the and the bank has been robbing every since please review these personal not business accounts which the branch manger did not give me. however, once you do your investigation. please investigate all history with this company and I am convinced that they have made me pay the bank a substantial amounts of money so I can keep my name clear from and fraudulently or what appears as fraud to myself. Personal I asked for my business account to the GM did not want or said he could not give me those even though my matter was dealing with a business account. XXXX, XXXX, XXXX, XXXX, XXXX, XXXX My telephone number is XXXX and my email is XXXXXXXXXXXX. I have been a victim of fees. I have also been a victim of XXXX
|
| 11/04/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
SUNTRUST BANK- CREDIT CARD DISPUTE- CASE # : XXXX I filed a chargeback in XXXX, XXXX with Suntrust Bank against XXXX an online merchant for a dress that I ordered on XXXX website from XXXX on XXXX/XXXX/XXXX which is defective and not as described. On XXXX XXXX, XXXX, I faxed documents such as pictures, messages between me and seller requesting for refund to Suntrust Bank. On XXXX XXXX, XXXX, I was issued a temporary credit of {$130.00} for the dress and on XXXX XXXX, XXXX when I received a letter from Suntrust Bank requesting for additional information, I learnt that the chargeback was denied and the credit removed from my account because the merchant and seller provided evidence that the item was shipped to me. I disputed the transaction because the dress I received is not as described and not because I did not receive the item. If Suntrust Bank compared the dress I received with the picture of dress provided by seller and merchant, they would have noted the difference in the item I received. I had already provided all the evidence about this case to Suntrust Bank including pictures of the dress and I indicated on my complaint that seller has refused to provide me their shipping address and have not been able to return the item. The seller wants me to keep defective item. In the past, I had provided documents requested promptly before the deadline and the recent correspondence that Suntrust Bank mailed to me was dated XXXX XXXX, XXXX but I received the mail on XXXX XXXX, XXXX. The seller initially offered me a partial refund of {$50.00} which I refused to accept and demanded fro a full refund. Seller also refused to provide shipping address when I told them I wanted to return the dress. If the seller has a valide claim, he would not offer a partial refund of {$50.00}. Also, if Suntrust Bank is diligent in their investigation, they will know that the transaction is not valid because the seller accepted to give me a partial refund of {$50.00}. I would appreciate your assistance in recovering my money- {$130.00} from Suntrust Bank and the Merchant- XXXX
|
| 07/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
In the process of refinancing my house with suntrust mortgage company I was providing all the documents required and following all their instructions to have my house refinanced. The whole time I was being led to believe that everything was on track. during this time I was told that I need an appraisal on my house and that cost XXXX. Everything is on track I believe. I would call suntrust to follow up on the progress of my refinance and was told that paperwork was being processed. Approximately two weeks after the appraisal someone from suntrust called me and said that I was denied to refinance my house because my income to debt ratio was to close. I had never spoken with this person during my refinance process and he could not answer any of my questions. I called the agent I was working with and had to leave several messages before he would return my calls. When he finally called me back I explained to him that they should have known I was approved before they took my money. I have spoke with other lenders who said they should have never taken my money until they knew the deal was going through. My agent at suntrust assured me that the money would be refunded to me within seven to ten business days. It 's been over two months now waiting for my refund. Every time I call suntrust I get an assurance that the money is on its way. I have been very patient but I feel like their giving me the run around. The last time I called he told me that the appraiser is sending me the money but I have yet to see a check in the mail. I spent almost XXXX with no service provided. I think it 's wrong, illegal and very dishonest what they are doing and how they handle their business. I would like my money back so I can use that to go a different route in refinancing my home. During the process there was never a change in my income or credit. They had all the proper paperwork with my income/debt. With that information with them they should have been able to determine weather or not my refinance was going to go through before they charged me for the appraisal.
|
| 11/11/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
On XXXX XXXX, XXXX I made XXXX principal payments against my HELOC. One of the payments, which is the cause of this complaint, was made with a XXXX XXXX Bank issued cashiers ' check in the amount of {$12000.00} ; Sun Trust received, processed and sent a confirmation letter dated XXXX XXXX XXXX. Shortly thereafter I called to get a payoff balance and was informed that the {$12000.00} payment had been reversed but could not give me a reason why. For the next several weeks, I called every department and spoke to numerous representatives including XXXX XXXX a XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and many others to no avail. I finally contacted XXXX XXXX XXXX XXXX XXXX XXXX office and spoke to XXXX XXXX. After several days, I called back and was instructed by XXXX XXXX to go back with a copy of the cashiers check to a specific teller whom she made aware of my plight and she would correctly process my payment. During the course of events leading up to the conclusion, I was assured that the interest would adjusted retroactive to the initial deposit date and be reflected on my new principal balance. Several day after the payment was processed, I called back in and confirmed that the payment was applied but was told by the telephone rep that Sun Trust does not adjust interest regardless of bank error. I informed her to read the notes where I was promised that Sun Trust would make the adjustment and she simply disregarded my request. Please request a transcript of all my phone conversations as well a copy of the notes and you will find multiple entries where the matter of adjusting the interest retroactive was addressed and committed to by Sun Trust Representatives. My hopes in filing this complaint is that the CFPB will call for a complete audit of my HELOC account with Sun Trust as I have made numerous principal payments and this incident now brings into question the possibilities of misappropriated payments. Thank you for your prompt attention to this matter and look forward to hearing from someone at the CFPB.
|
| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/XXXX I got a letter from SunTrust telling me both my personal and business checking accounts were being closed. Both of these accounts had already been closed as early as mid-XX/XX/XXXX but I received the official closure letters on this date.
The letter says " At the time of account closure, SunTrust Fraud Risk Operations performed a thorough review to determine that status of the funds, if any, in your recently closed account. If it is determined that these funds, if any, should be returned, a check will be sent within 15 business days. If it is determined that these funds are not collectible by SunTrust, the remaining funds will be forfeited. '' It has since been over 15 business days and I received no checks for any of my accounts. I called them on XX/XX/XXXX and now they are telling me my funds are in reclamation until XX/XX/XXXX in case any institutions try to reverse the funds sent to me, and then after that date I have to wait again for the review process of my funds.
I do not understand why they are treating me like a criminal acting like my money is no good all of a sudden. I never had any institution do a reclamation on the funds in my bank account since opening my accounts with SunTrust over 2 years ago up until present day, so why are they making me go through this?
The only suspicious activity I can think of was a failed withdraw a few days before my final account was closed but this failure was the result of my local SunTrust branch not being cooperative and listening to me. I made the same withdraw on the same day at a different branch and provided everything asked of me, they can also review security footage and see I am the same person who banked with them since opening my accounts.
I tried calling them multiple times in the last few weeks to resolve this but they are maintaining that I must wait so I am filing this report now in hopes they will reconsider. I will wait a few more weeks and then I will go to my last resort which is taking SunTrust to court for the amount held, damages, and lawyer fees.
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| 07/31/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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With a SunTrust 2nd Mortgage of 10 years and a SunTrust 1st Mortgage ( currently a VA Loan ) of 18 years, we submitted an application to SunTrust Mortgage for a VA Refinance to include our 1st Mortgage, 2nd Mortgage, XXXX credit card and XXXX additional loans. SunTrust denied the refinance and the principal reason for denial was " Poor Credit Performance with Us ''. When asked for an explanation, it was indicated the denial was due to the " 2nd Mortgage XXXX lates ( XXXX ) within the recent 12 months ''.
We found this to be peculiar due to VA guidelines for Late Payments, " The applicant 's past repayment practices on obligations are the best indicator of his/her willingness to repay future obligations. Emphasis should be on the application 's overall payment patterns rather than isolated occurrences of unsatisfactory. '' Base on this reading, the XXXX late payments on our 2nd Mortgage were the only blemish on our Credit Report for the last 12 months. In fact over the history of our Credit Reports the only 2 accounts showing past dues were the 1st Mortgage XXXX XXXX XXXX XXXX XXXX and the 2nd Mortgage ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). The 1st Mortgage has been in service for 18 years with only XXXX of the XXXX payments made past 30 days. The 2nd Mortgage has been in service for 10 years with XXXX of the XXXX payments being made past 30 days. In all cases the payments were brought current with all late fees and interest paid in full.
At the time of application, we reported over {$6000.00} in cash, {$550000.00} in Assets and {$440000.00} in Investments with a credit score of XXXX for self and XXXX for my spouse. This couple with stable employment and a credit history spanning some 35 years and only XXXX account within the past 12 months indicating an overdue amount seem to be in conflict with the VA Guidelines. As a Veteran and a person that has handled his finances in a responsible way, I believe the Denial was based on something other than " Poor Credit Performance with Us '' and would like the cfpb to fully investigate.
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| 10/29/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
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On XX/XX/2018, I submitted a payment in the amount of {$500.00} via my Suntrust bank A/C # XXXX Bill Pay. I realized two days later that the payment I submitted was incorrectly submitted to a closed account. I have immediately contacted Suntrust but I was told that they can not do anything since payment already gone through and I should contact the payee. I have contacted XXXX XXXX XXXX XXXX. XXXX told me that since I do not owe any money to them they are sending the money back to my bank. However, I have to seen any transaction on my account. I called Suntrust again and I was told to contact their Fraud/dispute department. Dispute Department told me to complete a form and fax it back to them. I have faxed the signed completed form on XX/XX/2018.
to days later i received automated later saying my case was closed due to duplicate request. I have experience such foolishness. If the request is duplicate, there should be one and other should be rejected. Any way Suntrust Bank closed both of my cases.
I called Suntrust Bank again today, and asked them to continue one case that has the required documentations. The dispute resolution person told me that I have to start all over since they closed the cases. I explained to her, Neither I closed the cases nor I have ever requested to close the cases. It is your mistake and you have to reopen it. The challenge to send them repeated documentation is that, only they can email me documents I can not send them any document due to their lousy " Security Reasons '' not can I upload to Suntrust 's so called secured Message service.
I called XXXX XXXX XXXX, whom I mistakenly paid {$500.00}. XXXX told me that they processed my refund on XX/XX/2018 but suntrust does not have any clue. So, I need your help to retrieve my money from Suntrust and make Suntrust train their employee to understand the banking process so that their poorly trained employees do not cause such harassment to consumers.
I am also attaching a copy of the document I faxed tro suntrust.
Thank You very much.
XXXX XXXX XXXX
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| 12/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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Issue is not well described in any of your choices. It concerns a policy in place at my bank which is illogical if not indefensible. I have banked at same branch for 10+ yrs., credit rating exceeds 800. An attempt was made to scam me via XXXX which failed. During discussion with my bank mgr., BEFORE depositing check into my account I learned ( Wed., XX/XX/17 ) that if I had deposited the check ( corporate check made out to my name ) it would have been rejected as fraudulent and all MY accounts would be frozen. This was accompanied with discomforting comments about how difficult, time consuming and very expensive it would be to have the accounts released.
This does not seem fair to me. Why would n't the bank simply reject the check and, possibly, charge me a returned check fee? Since I never asked for cash and understood the check would take some days to clear I do n't see why the bank should " lay claim '' to my money for an indeterminate period of time when they have not parted with any of the bank 's assets.
I can only imagine the intention is to hold a known, guaranteed amount ( my accounts ) while they reap interest for investing my money over a short period of time from which they will enjoy interest return on investment. On previous occasion I presented bank certified cashiers check for deposit at same branch, expecting the funds to go in as cash. I was told they would be held for one week " to clear ''. I demanded the branch mgr. call the issuing bank to verify the check which he did in front of me. After a brief conversation with the issuer ( 5 min. +/- ), suddenly the full amount of the check was made available as cash in my account. If this were bank policy, law or regulation their initial decision should not have been changeable just because I challenged the absurdity of it. Again, my money ( known to be backed by valid check ) is in their hands for investment for a week with no justification I can see. I am available for discussion in detail if needed, assuming you can simply respond to this submission.
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| 10/13/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I have had an FHA loan with SunTrust mortgage since 2009 when I purchased my condo for {$200000.00} with the help of a mortgage broker who has since left SunTrust. At the time, the condo appraised for {$220000.00} but because I had just started working, I still had to pay mortgage insurance since we did not have the cash for a XXXX % down payment. More recently, because of lower interest rates and multiple spam emails from the current broker, XXXX XXXX, I decided to apply for a refinance. Initially XXXX was very helpful, and although I did not qualify for the lowest advertised interest rates since I no longer lived in the condo, she said that I would still be able to lower my mortgage payments with the refinance. We decided to proceed with the application. The appraisal came back at {$190000.00}, which was partly based on a comparable rental that had a lower price listed on the appraisal then on the Internet as well as a comparable sale in a multiunit building with many previous sales, none of which were on the original appraisal. XXXX said that because of the lower appraisal I would need to pay mortgage insurance since I no longer had enough equity in the property. I asked to appeal the appraisal but also offered to pay down enough of the mortgage to Own more than XXXX % of the lowered appraisal. The following day XXXX responded that the condo association did not meet required XXXX % annual reserve allocation requirement on the budget, despite the fact that the HOA allocates XXXX % of the budget to reserves and has cash reserves that are greater than XXXX % of the annual budget. I asked for a refund of the appraisal fee since I felt that the reserve allocation issue should have been discovered prior to going ahead with a {$500.00} appraisal. I did not receive any response from SunTrust. I suspect that they are only interested in collecting the appraisal fee and were looking for any excuse not to proceed with the actual refinancing since they are already collecting a higher interest rate, as well as mortgage insurance.
|
| 10/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
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Web |
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I have banked with Suntrust for over 7 years. I recently was a victim of a Debit card skimmer scam and ID theft.On XXXX XXXX, 2017 ; I had over {$2400.00} plus applicable fees taken from my account. The culprit transferred funds from my minor son 's ( XXXX yrs old ) savings account and went to an ATM in XXXX, FL and withdrew cash in two separate transactions. I have always lived in XXXX, Fl 4 hours away from where these transactions happened.
I discovered the transactions and called my bank immediately! When the fraud claim rep. asked if I have the card, I replied " No '', for the simple fact that I had misplaced my card some where. But did not report it lost because I know it was somewhere in my purse or car NOT LOST or Stolen, I called back in less than 30 minutes to inform them that I indeed have my card. It was in my purse the entire time.I was told the process takes 10 business days to review. The case was then forwared to a " Fraud Investigator '' that asked me a total 5 questions. I explained to her that I never transferred the funds, never visted XXXX and that I live alone with my XXXX small children. I received the attached email saying my claim was denied, I was shocked. I called the investigator and she explained that my claim was denied because of " conflicting statments ''. I am the victim in this situation and my bank has an obligation to protect me and research throughly to determine if I was at fault or commited this fraud. You can not base a whole claim from my statement which at the time I gave was completely in shocked that all of my hardworking money is gone. Never did the investigator look into the phone transfer or location of the transactions. Now I must go through a up to 45 day appeal process, which still does not guarantee me my funds and provided supporting documentation, phone records and affidavits from family members. I have spoken to over 10 employees in this matter. Next step for me is to contact a Lawyer, because I need someone to advise me on how to get back what is rightfully mine.
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| 05/03/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
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Web |
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On XX/XX/2016 I purchased a bedroom set from Rooms-To-Go for {$1200.00}. My furniture was delivered damaged. I was told it would be marked for replacement and that I would be contacted. I never was. I called store, was told to call customer service. They told me the information I was given was wrong. I was then told it would be replaced. They gave the date and time to choose. I setup a replacement date. The following week I received a text telling me my they would be there the next day at XXXX which was NOT the day I was scheduled for. I called them back, they said they did not know why it was set for then when i was scheduled for Wednesday from XXXX-XXXX. They told me it was too late and amanager would call to fix it. The next day while at work I get a call saying they are at my door and I informed them that was the wrong date and time. They rescheduled again and the same thing happened. I then filed a dispute with my bank as it had been over 30 days already. They setup a claim and confirmed I tried to work with the merchant to fix. The investigation was then closed and denied as they said the merchant said it was a valid charge. Not once did the investigator ever speak to ME the person who went through this. Of course the merchant is going to avoid the charge back. they told me in person at the bank they do not handle disputes for damaged goods. HOWEVER on their form, it specifically gives you the option to dispute a charge based on damaged goods. How can an investigator do an investigation when they never contact those involved. I have picture evidence of the damage. they stated the cause was becaue I had signed a receipt. Of course I signd a receipt when i made the purchase, it 's for furniture! You do n't see the pieces you 're getting delivered, just the showroom model. They made it out as if I had seen the merchandise I received prior to it shipping from their warehouse. The customer service call I was on WHILE AT THE LOCAL BANK BRANCH, just sat on the phone when I confronted her logic and could n't respond.
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| 02/18/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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On XX/XX/2020 I made a payment in the amount of {$1000.00} to my credit account with Suntrust Bank whom Ive banked with for over 15years. My current credit limit was XXXX and my current balance before the payment was XXXX due to last months interest fees, however Ive always paid at least the minimum amount due on time. My payment was due XX/XX/2020 in the amount of only {$100.00} but again on XX/XX/2020 I made a payment of {$1000.00} to reduce my interest and lower my balance. This payment made my balance go down to {$1500.00} and my credit limit was still {$2500.00} giving me an available credit of {$1000.00}. On XX/XX/2020, before preparing to use my card, for some reason I noticed my available credit changed to {$990.00} but I didnt think anything of it, I then used my card to get gas ( because its a cash rewards card ) in the amount of XXXX making my now available credit XXXX, I again checked my account on XX/XX/2020 and it was still the same available credit, same {$2500.00} credit limit and now {$1500.00} as my balance. But as of today XX/XX/2020 upon checking my account I have seen my available credit dramatically reduce to {$130.00}, no interest charge nor fee was posted in such amount, I then come to find out my credit limit was decreased to {$1700.00} without my knowledge, without notification of a credit review, and without notification from my bank at all. I called and contacted them to find out why and how this was possible and the customer service representative told me sometimes they do review and reduce amounts but this was not communicated to me even amongst opening the card. Ive never experienced a credit limit reduction, but they basically took all of my available money on the account that I worked hard to be able to pay that could have been used to pay valueable bills. I asked the bank to reverse my payment but the representative advised me that it takes 3-5 days to review this request and it may be denied. I need that money back. I would not be making this complaint if I didnt. This is unfair.
|
| 05/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Suntrust is not following the rules regarding Regulation E and unauthorized transactions. I also know that they have not been properly reviewing my case because after I reported my claim and they denied it, they sent me a rebuttal letter along with a rebuttal denial letter on the same day. I circled the dates as well, I believe they do this on purpose to their customers who wouldn't know any better. I have proof that the letters were sent on the same day and the dates are also the same on the letters as well. I put in a claim with them on XX/XX/19 because I lost my bag, my debit card and id were in there so I called them and they made a claim for me. Two weeks later they denied my claim. I do not believe they did a proper evaluation of my situation. I was traveling in Texas when all of this occurred. I have counted a total of 60 Unauthorized transactions on my checking account which put my account into $ XXXX. My last transaction was on XX/XX/19 of {$12.00}. Everything after this transaction was unauthorized and im upset that Suntrust allowed this to happen to my account without taking any action or proper care towards my situation. Their investigator told me on the 10th day of the investigation that they'd have a decision that day and it made it seem like they were rushing just trying to get it done just so they could not help me with temporary credit because that was my only checking account and I had no money. My account was drained of exactly {$5200.00}. I look at my online banking and the first unauthorized transaction was on XX/XX/19 of - {$0.00} ATM BALANCE INQUIRY up until the last unauthorized transaction which was on XX/XX/19 of {$0.00} OVERDRAFT ITEM FEE NOT CHARGED. This doesn't even include the excessive fees that were charged that made it go into the negatives. I had {$5000.00} transferred to my checking account when I came to Texas to prepare for my vacation and I frantically reported the loss to Suntrust after I realized I didn't have my bag on me so I did report what happened as soon as I could.
|
| 07/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
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Web |
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I made a regular home equity payment on XX/XX/2018 using two checks from different accounts. One check was in the amount of {$200.00} and the other was in the amount of {$370.00}. On XX/XX/2018 I received a text alert that one of the accounts was overdrawn. I had to have my daughter transfer funds to the checking account until I returned to research it. I was out of town during this week. After researching it, I discovered that Suntrust processed the payment out of one account not the two that the checks were written on. When I returned on XX/XX/2018, I went to the Suntrust branch that processed the payment and asked them to fix it. The teller said that it was already processed and she couldn't do anything about it. She said their system holds account numbers and that the lady processed it through the incorrect system. I then told her that I was going to call the XXXX number for Suntrust and ask them to fix it. She didn't care. This wasn't the first mistake they made with this account. Many other mistakes have been made since securing this loan. I then went out in the parking lot and called the XXXX number. I spoke with a woman who assured me she could fix it. She then took the correct number of the account that the {$370.00} was to be taken out of and said she would process it and that she wasn't sure if the money could be put back in the other account electronically but if it couldn't we would receive a check. On XX/XX/2018, {$370.00} was debited from the correct account and to date, we haven't received the money back from the incorrect withdrawal. That money was to be used to pay a bill. We don't have the money, nor credit for the extra money on the home equity. Suntrust has the money but we have no record of it being a credit to our account. I called again today and spoke with a gentleman who told me that the complaint kept getting pushed around and that he thinks a check is issued. I told him I was filing a complaint as this money was to be returned to us by now and instead Suntrust took another {$370.00}.
|
| 06/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
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Over the course of the last few months I have been working with a housing counselor to modify my mortgage with Sun trust. Since then my loan modification has never been properly processed by the lender. Every time I try to submit documentation in a timely manner the process gets held up or is not reviewed within an ample time frame. I continue to call for updates to the file to no avail. Sometimes the excuse is that the proper forms were not submitted so again I review and send in whatever documentation they are requiring. After many attempts both by myself and with a housing counseling professional these issues continue to happen and the file gets either pushed back or denied due to issues of delivery. Sometimes they claim the file must be submitted either by pdf. format or by only XXXX pages total through the Suntrust loss mitigation email portal. I have tried every which way to submit accurate information in a timely manner only to hit a wall with the processing department and their lack of getting back to me in a way that can resolve the issues I 'm having. The forms I have submitted are accurate XXXX forms all pages and a third party authorizations as well were submitted. I have been dealing with the same problem for a very long time and I want to get some external help in resolving such detrimental issues. In addition to these setbacks the mortgage company also has changed the point of contact like XXXX to XXXX times over the course of the loss mitigation process. Also they been reluctant in the past to give me a better rate and term on the loan. The escrows have always been included in the payments and the overall values of the property have fluctuated immensely over the last couple of years yielding inaccurate information on property value. I have tried numerous times with failed attempts to try and resolve these issues with Suntrust bank. The interest rate has always stayed the same interest only and they have never tried to put me into a more fixed conventional loan that can get me into a better loan.
|
| 08/02/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
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In XXXX, my husband and I started the process of obtaining a construction loan from SunTrust Mortgage. The process has been a very unpleasant experience. Throughout the entire process we were not kept inform of our loan request. In order to kept the process moving forward my husband and I had to call to for the next step. Any time we would turn in paper work that was needed we never knew if what we provided was sufficient. I would have to start calling around XXXX or XXXX in the morning every 30 minutes until I could reach our loan officer XXXX XXXX or XXXX XXXX just to get updates on our loan process. I would send email and get no reply. My husband and I provided all the information that was requested of use as soon as we were told it was needed. My husband called twice and wrote several emails to XXXX XXXX and XXXX XXXX to voice his concerns on how it seemed as if our loan was not being taken seriously. After 6 months of trying to get our construction loan approved and calling to see where we were in the loan process, we were told we were not approved for the loan. XXXX XXXX explained to me how I needed this large amount of money down or in escrow. I asked him to send me the information to my email detailing why we were not approved for the loan. He told me he would send it that day but never sent the email. I got up early that morning and started calling him until I was able to speak to him and not voicemail because he does not return our calls. He said that it was a long and detail letter and he was finishing up the email and would send it. Once again I never got an email. My husband called the next day and was told by XXXX XXXX that he would send an email with the information I requested. We still never got an email. It is a week later and we still have not gotten an email detailing why our loan was denied. I have never been treated so poorly in my life. I am so disappointed that my husband and I were not able to complete this loan process with SunTrust. And at this point time and money have been wasted.
|
| 11/23/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/2016, I called to informed Sun Trust that I was resending my permission for them to do and automatic debit for a car payment I have with Sun trust. At no time was a advised they could not stop the payment what I was advised of is that the payment will not be deducted.
Thereby the purchases that were made where made in good faith based on the information that was provided by your customer service rep, that the car payment WOULD NOT BE DEDUCTED On XXXX/XXXX/2016, I a beginning day balance of - {$330.00}. Items were presented to my account as follows : Overdraft fee of {$36.00} was refunded and your account available balance increased to - {$300.00} {$25.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$360.00} {$5.00} to XXXX was paid {$36.00} fee and your account available balance fell to - {$400.00} {$17.00} to XXXX XXXX was paid {$36.00} fee and your account available balance fell to - {$450.00} {$0.00} to XXXX was paid and your account available balance fell to - {$460.00} {$4.00} to XXXX was paid and your account available balance fell to - {$460.00} I contacted the back to see what had happened I was informed they had processed the payment any way and thus all of these items had been assessed a fee. The bank did not have consent to enter the acct and make that deduction, this fact is further affirmed by your customer service rep during the call that took place on XXXX/XXXX/2016.
They now are refusing to refund my money and in essence are attempting to extort funds from be based on your banks " stealing ", my monies by entering my account without consent. This is fraudulent and reprehensible, and at the core of all things illegal. I am unclear on how I can be told a payment will not come out, remove the permission for the bank to enter my account and because I made purchases based on the word of your rep, that the funds where not going to be deducted be assessed additional fees, {$120.00} from me and think this is good business practice. I want my money back.
|
| 07/31/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
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SUNTRUST BANK WRONGFULLY OPENED A MINOR CHILDS ACCOUNT AS A JOINT ADULT ACCOUNT, LINKED TO THE PARENT. PARENT WAS ASSURED THAT WHEN THEY OPENED THE ACCOUNT IT WAS A MINOR ACCOUNT AND THAT THE PARENT ONLY HAD TO COSIGN AND THAT THE MINOR WOULD HAVE NO ACCESS TO PARENT ACCOUNT. A FRAUDULENT CHECK WAS DEPOSITED INTO THE CHILDS ACCOUNT VIA THE INTERNET BY TAKING A PIC OF IT. THE CHECK WAS {$7000.00}. THE CHILD SAID HE DID NOT KNOW THE CHECK WAS FAKE BECAUSE IT CLEARED THE NEXT DAY. THE CHILDS ACCOUNT HAD NO MONEY TO COVER THE CHECK, AND THE BANK WENT AHEAD AND RELEASED FUNDS THE VERY NEXT DAY. THE CHILD WAS ABLE TO WITHDRAW {$3000.00} WITH OUT PARENT PERMISSION, AND ALSO WAS ALLOWED TO USE HIS OWN DEBIT/CREDIT BANK CARD LINKED TO HIS ACCOUNT AND TAKE OUT LARGE AMOUNTS OF MONEY. AS SOON AS PARENT HEARD ABOUT THIS THEY WENT TO BANK AND HAD ALL ACCOUNTS CLOSED. THE BANK THEN TELLS PARENT THAT THE ACCOUNT WAS OPENED WRONG AND THAT THE CHILD WAS NOT LISTED AS A MINOR, BUT AND ADULT ON A JOINT ACCOUNT WITH PARENT EVEN THOUGH THEY HAD HIS DATE OF BIRTH ON RECORD. THE BANK THE SAYS THAT HE SHOULD OF NEVER BEEN GIVEN A DEBIT/CREDIT CARD BECAUSE HE WAS A MINOR. THEN THE BANK SAYS THAT THE REASON WHY THE RELEASED THE FUNDS THE NEXT DAY IS BECAUSE THE PARENT HAD THE FUNDS TO COVER THE CHECK IN HER SAVINGS ACCOUNT. IF THE ACCOUNT WOULD OF BEEN SET UP CORRECTEDLY, THE MINOR WOULD OF NEVER HAD ACCESS THE THE FUNDS BEFORE THE CHECK ACTUALLY CLEARED. THE BANK THEN TELL THE PARENT THAT IF THE PARENT WOULD OF NOT HAD THE FUNDS IN HER SAVINGS ACCOUNT TO COVER THE CHECK THE FUNDS WOULD NOT OF BEEN RELEASED. SO THE PARENT WAS NOT PROTECTED BECAUSE SHE HAD ENOUGH MONEY IN HER SAVINGS ACCOUNT. NOW THE BANK HAS FROZEN ALL OF THE PARENTS ACCOUNT, AND THE PARENT HAD NO IDEA WHAT THE MINOR WAS DOING. PLEASE LET ME KNOW WHAT I CAN DO TO MAKE THE BANK LIABLE FOR THEIR WRONG DOING. THE LADY THAT ACTUALLY SET UP THE ACCOUNT OF COURSE IS NO LONGER AT THE BRANCH. MY PHONE NUMBER IS XXXX AND EMAIL ADDRESS IS XXXXXXXXXXXX.
THANK YOU, XXXX XXXX
|
| 11/06/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Sir : Upon return from a trip on XXXX, I received a letter dated XXXX XXXX, 2015 from SunTrust Bank requesting I close all accounts by XXXX XXXX, 2015. I have bank with SunTrust for 30 years and thought it must be some kind of mistake. I called the number on the letter on XXXX XXXX, only to have a rude lady tell me it was a Business decision, but no reason as to why. After returning for another trip, I went into my XXXX XXXX Georgia branch on XXXX XXXX and asked the manager about the letter, he called the number on the letter and got the same response. I then spoke to his boss who suggested that the manager e-mail the regulatory division of the bank and that they would contact me in XXXX hours. No one called, I went back to the bank on XXXX XXXX to close my accounts and he said he 'd e-mail them again. I asked for his bosses boss name and got XXXX and his number. Called XXXX XXXX on XXXX XXXX and he said he 'd get to the bottom of it and get back to me that afternoon. He never called back so the following Monday XXXX XXXX, I called him, got his voice mail and left another message. Finally, a call came Monday afternoon XXXX XXXX from ( XXXX ) XXXX XXXX assistant telling me to call the number on the letter, I explained to her that I and the branch manager had already called to no avail. She said XXXX XXXX would call me back. He did n't. I then on Tuesday XXXX XXXX, e-mail XXXX, his boss XXXX XXXX and her boss XXXX XXXX . Hoping someone could tell me why Sunrust had requested me to close my accounts. I recieved a voicemail from XXXX the assiatant telling me to call the number on the letter, that they could only talk to me. So on Wednesday I called the number again and got the same response, " Business Decision ''. Nothing from XXXX 's boss, XXXX XXXX or her boss XXXX XXXX. I would just like to know WHY i was asked to close my account after 30 years of being a loyal customer. And to be reimbursed for new checks that I bought a month prior and pro-rate the fee I paid for the debit card.
Many Thanks
|
| 04/29/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
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|
On XX/XX/XXXX, my credit card was apparently used at XXXX XXXX # XXXX ( {$2000.00} ) and XXXX # XXXX ( {$860.00} ) in XXXX, GA. I still had my physical card in my wallet, but was later told by my credit card company, Suntrust, that a chip reader was used for the purchases. The purchases were both made between XXXX and XXXX XXXX EST. I saw the charges online, froze my credit card, and called Suntrust within a couple hours of the purchases being made. I was in XXXX County ( XXXX, Ga ) at work at XXXX XXXX XXXX during the time of the purchases which can be verified by my clock in/clock out times. I contacted the merchants XX/XX/XXXX and was informed that they did have video recordings for the investigation. I contacted the police but did not file a report at that time since I was told I would have to go to XXXX to do so, and I live in XXXX, Ga ( my credit card billing address is in XXXX at my parents address ). The fraud investigation was done through the credit card company and I was emailed on XX/XX/XXXX that the claim had been denied, and the charges were deemed valid. At that point I contacted multiple people at Suntrust including several supervisors and was informed I could not speak to anyone from the investigation and they had no further recourse. The only reason I was given for why the claim was denied was that a hip reader was used. I spoke with a branch manager in person, and he filed a formal complaint with the company. I was also told an escalation email had been sent to the fraud investigators but that they may not respond to it. I filed a police report on XX/XX/XXXX to try and retrieve the video footage and information regarding whose XXXX XXXX membership was used for the purchase as I am not a member of XXXX XXXX. I did not authorize nor do I have any knowledge of these charges, and I am currently being held financial responsible for them on my Suntrust MasterCard credit card. I have been told by the company there is nothing else to do about the situation which sounds insane to me.
|
| 11/01/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We have been trying to get a reasonable modification From SunTrust mortgage over past several years. We did pay three monthly installment payments at one time when they approved us for a trial modification period. All payments we're made and had proof of payment for them, but the modification of the loan was " accidentally cancelled '' by another department at SunTrust and they said they couldn't reinstate the loan. We were no longer elligable for that type of modification for our loan. We were denied several times, then finally approved. This XXXX we were approved for modification of the loan, but because I had questions about how the bank determined the monthly payment of over 3600 dollars a month, no one had an answer. The loan specialist at SunTrust just kept telling me that " they said that you can pay the 33 %! ". No one could telle 33 % of what, our gross income, net income, life of the loan/debt ratio? And would not allow me to speak with anyone else to explain this. So I was instructed to allow this offer to expire ( XX/XX/XXXX) and then enter a new borrowers assistance packet to SunTrust. So I did. The packet was sent on XX/XX/XXXX and again on XX/XX/XXXX. I called on the XXXX to see if the documents were received and was told that they were reviewing the documents and would contact us within 5days if any documents were missing. On XX/XX/XXXX I received a letter in the mail from XXXX XXXX, Virginia sales stating there was a sale date of XX/XX/XXXX for our home. I contacted the bank ( SunTrust mortgage ) and they said there was nothing they could do and they threw the packet out because it was not complete and it was less than 15 days til the sale of the house.
We did not receive any notification from the bank or XXXX XXXX regarding the sale date of XX/XX/XXXX before now. The letter from XXXX XXXX stated that notification was sent XX/XX/XXXX via first class mail and Certified mail. We never received a certified letter from them. They were Double Tracking our loan.
Thank you
|
| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
This is a request for SunTrust Bank to reimburse me a total of {$100.00} for XXXX items ( {$64.00} and {$36.00} ), both for the same account.
Item # XXXX : {$64.00} -- the merchandise I ordered on XXXX was not delivered ; this transaction was posted on XXXX/XXXX/2015. The merchandise was to have been delivered in 5 days. After 10 days, I attempted to contact the merchant via phone and email, but to no avail. I contacted SunTrust at this 10 days mark ( the end of XXXX ) after the merchandise was due. I have constantly been given the run around, each time with the promise that my request would be " escalated ''. Then, on XXXX XXXX, 2015 I was sent a merchant dispute form via email. I completed it, and sent it to the address listed on Saturday, XXXX XXXX via USPS Priority Mail ( so I have the tracking number ). Since then, I have called several times to follow up, and each time was told that it was under review. Once again, I called a couple of weeks ago and indicated that it had been over 3 months!! Once again, I was told that my refund request would be " escalated. '' Then on Friday XXXX/XXXX/2015, I received a letter from SunTrust ( dated XXXX/XXXX/2015 ) indicating that I had n't notified them in writing within 60 days, and they were not going to assist me. SunTrust sent this response despite the fact that I sent the form on XXXX XXXX via USPS Priority Mail to SunTrust, XXXX XXXX XXXX, XXXX, FL XXXX ; SunTrust reps acknowledged that they received the form ; and I have continually followed up over the phone! This is absolutely unacceptable!
Item # XXXX : {$36.00} for stop payment. I was advised that I would have to call on the same day ( i.e., Thursday XXXX ) to cancel the stop payment and not incur the {$36.00} fee. I called at XXXX EST. I was told that I should have been advised that I had to cancel XXXX hour before they close -- i.e., at XXXX!! So I was XXXX minutes too late. The rep apologized for the misinformation then hung up when I asked to speak to the Manager! Unacceptable!
|
| 09/02/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Check fraud with XXXX XXXX Check ordering via SunTrust confirmation numbers XXXX and XXXX. I was informed that the checking account could not be verified.
However, a withdrawal was made in the amount of {$100.00} on today XX/XX/XXXX with SunTrust to conceal fraud and consecutive SCRA violations ( civil penalty with the Social Security Administration for appointment scheduled on XX/XX/XXXX at XXXX XXXX ) with XXXX XXXX XXXX due to release of information. Also, the withdrawal was made with SunTrust upon knowledge of denial of legal services with XXXX XXXX due to slander of XXXX harassment by XXXX XXXX, XXXX XXXX, and XXXX XXXX. I have a recording of the conversation from my criminal case with the City of XXXX back in XX/XX/XXXX. The recording will be presented at my next therapy session on XX/XX/XXXX at XXXX XXXX with XXXX. XXXX & XXXX fraud in the amount of {$2.00} million with SunTrust and XXXX XXXX. XXXX XXXX, XXXX XXXX 's XXXX, and XXXX XXXX XXXX XXXX ( Net worth is {$14.00} million, alleged report of {>= $1,000,000} is false due to investigation of fraud with XXXX XXXX ) have been bought out by my entity as sole proprietor of XXXX 's XXXX & XXXX XXXX due to income tax fraud in the amount of {>= $1,000,000}. Recall fraud with SunTrust for VIN XXXX. TCPA violation in the amount of {$250000.00} for release of false information due to knowledge of my stolen identity since XX/XX/XXXX. IRS and XXXX Patent infringement violation in the amount {$4.00} million. XXXX XXXX is the premise of the {$330.00} civil penalty with SunTrust due to using XXXX on XX/XX/XXXX to conceal life securities fraud with my maternal grandmother XXXX XXXX 's insurance with XXXX XXXX. My Underwriting Formal Disclosure was notarized on XX/XX/XXXX due to this financial deception. My Capital Leverage Report/UCC-3 Statement/XX/XX/XXXX Dividend History adjustment of .1 was notarized on XX/XX/XXXX due to this financial deception. The XXXX Dividend History adjustment of .1 was used for XXXX fraud with XXXX XXXX University.
|
| 08/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Subject of Complaint, Company, and Employees Misleading and Harmful Loan Pricing and Product Information by Loan Officers Suntrust Mortgage, Loan Officers out of their call center in XXXX, VA.
Loan officer XXXX XXXX, and backed by his supervisor XXXX XXXX Complaint : On XX/XX/XXXX and XXXX, 2019, I had conversations with loan officer about a refinancing. I told him I had started an application with another lender. This loan officer quoted me interest rate of 3.87, a quarter point lower than the first lender I had an application with. We continue discussion as if this was a conventional agency loan, and there was NO mention whatsoever that this was a special bank portfolio loan. I go ahead and cancel my application with first lender and start an application with Suntrust based on the loan officer 's quote and thinking this was a straight forward agency product.
Sure enough to my surprise, the next day after I start application and start uploading documents, I learn that he sold me a portfolio product. This is product underwritten for the bank 's own portfolio and not per the well known standards of conventional agency loans. This product requires different financial criteria that are different from bank to bank. It is very different than your regular conventional agency loan with well known standard financial criteria for approval.
The loan officer mislead me into this product with the lower rate but said nothing that this is the special portfolio product. I could not believe he intentionally chose not to disclose the special nature of this loan and it's underwriting criteria.
I request to cancel my application because did not want to take a chance with the bank 's own underwriting criteria which often involves the judgment or the individual underwriter, unlike the agency conventional products that have standard financial ratio 's.
When I complained to the supervisor, the supervisor backed the loan officer, and that the portfolio loan type is not a material information to disclose.
|
| 02/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Debit card was stolen and used to make bad deposits and withdraw cash from my son 's checking account. Additionally, the card was used to make purchases. I reported the lost card immediately upon my son realizing that he did n't have it. Suntrust opened XXXX cases for the reported fraud on XX/XX/2016. On XX/XX/XXXX, I received notification that the cases were opened. On XX/XX/XXXX, after I received notification that my case ( claim ) was denied. On XX/XX/XXXX, I went to a local branch to discuss the case since the customer service telephone service could not give me any details on the denial. The branch VP talked to corporate staff via phone while I was there to better understand the denial and appeal process. I was told that I would receive information via mail about the appeal process. On or about XX/XX/2016, after having received nothing via mail or email, I again went to the branch office to discuss the matter. She again discussed the case with corporate staff via phone in my presence. I was told that I needed to file an appeal if I disagreed with the findings. On XX/XX/XXXX, Suntrust sent me two letters : one that they received my dispute and the second that the rebuttal did n't provide additional information to overturn their decision. On XX/XX/XXXX, my son filed a police report with the local department. On XX/XX/XXXX, I faxed a letter appeal to Suntrust along with copies of the obviously fraudulent deposits as well as the police report. On XX/XX/XXXX, I stopped by the branch office and asked if the VP could help. I told her that I had sent the appeal and received nothing even though the previous correspondence to Suntrust had resulted in almost immediate responses. I emailed her a copy of the letter that afternoon. On XX/XX/XXXX and XX/XX/XXXX, I received emails from the VP inquiring about responding via a " rebuttal form ''. I have received no written response to my XX/XX/XXXX appeal nor have I been reimbursed any of the stolen funds or bank charges due to insufficient funds.
|
| 09/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The borrower 's name is XXXX XXXX ( maiden name ). Her former name, while married, was XXXX XXXX. On XX/XX/XXXX, we submitted an RMA and Request for Modification with all supporting financial documents to Suntrust, her mortgagee. Suntrust processes her modification through XX/XX/XXXX at which point they advised that the loan modification was being denied. The reason for the denial was that the borrower showed excessive mortgage obligations on her credit report. When we had the borrower pull all three credit reports, the only mortgage showing was this one to Suntrust. When we explained to the specialist/negotiator that we had pulled her credit reports and there was no other mortgage under her social security number, they refused to listen to us. THis is the borrower 's primary residence and therefore, we were at a stalemate. Borrower decided to appeal Suntrust 's denial since it was incorrect, and we provided Non-ID Affidavits whereby borrower signed under oath that she had no other mortgages. We even provided her credit reports to Suntrust to evidence only XXXX mortgage to Suntrust. Suntrust took a few more months, processed the appeal and came back with the same decision, denying her modification based solely on these grounds. Obviously, they are not running her credit report since that is tied to her social. But rather, going through public records where her sister in law ( her ex-husband 's sister 's name is also XXXX XXXX ) does have outstanding mortgages but none of which are tied to this borrower 's social security number and do not belong to this borrower ) We provided the credit reports to Suntrust to evidence our position and the lack of any other mortgage under this borrower. They again advised that they were going through her credit report and that her credit report showed more than XXXX mortgage. We asked to have them provided so we could rebut them and show that it was false, but Suntrust refused. As of today, the appeal was again denied on erroneous and unlawful grounds.
|
| 03/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Dealing with SunTrust Mortgage has been a nightmare and it just continues on long after closing. During application process I encountered the following : 1. lost documents they claimed held up processing when docs had been there for wks.
2. claimed had converted to new system and all staff not trained to do both so that was reason for constant delay ; got preapproval at 30 day mark and then barely made closing. I had been told entire process would be 2 to 3 weeks 3. at closing failed to send a HUD doc that had been requested the week prior ; then failed to wire the closing money to pay seller, etc. Delayed closing for 1.5 hours. and when monies arrived were {$500.00} short 4. failed to enter my autodraft and then when I changed to new bank clerk failed to key in my account number correctly causing more delays.
5. had to send in money to escrow and was given wrong address ; further delay & calls 6. sent in money to escrow with coupon for this years ' increase and they did n't record it in to my account until I called. I got email telling me I would have higher payment and then after calling twice more to get it straight got an email telling me mortgage payment for XXXX 2016 would be double what should have been ; when I called corporate ( XXXX ) told me told me to simply disregard it as it was an error yet no rebuttal email arrived.
7. I have filed numerous complaints with conflict resolution ( attaching some ) and nothing ever really changes. However, after several they sent me a check for about {$1300.00} saying their post closing review determined they overcharged me. I doubt if that would have happened had I not been complaining.
8. I could give numerous examples of minor problems and large ones through the past months but there is n't enough space ... ..everything they touch they XXXX. I have begged to have my mortgage sold. If they are this incompetent on all levels it makes XXXX wonder how efficiently they do all things. Maleficence comes to mind on at least two occasions.
|
| 01/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Servicemember |
|
We sold our home. During the closing process, our title attorney requested, and received, a payoff letter from Suntrust Mortgage. On receiving this letter, he noted that there was a typo in the through date provided at the start of the letter, but not in the terms listed at the bottom. Given the nature of the transaction, he verified with Suntrust that the payoff amount was correct and the typo would not effect the closing of our home. Suntrust Mortgage assured him that the payoff amount stated in their letter was correct and nothing would hold up the closing of our home. Our attorney verified this on at least 3 occasions, and so we proceeded with the closing and paid Suntrust in full according to the payoff quote Suntrust had given us.
The next day, our title attorney contacted us stating that Suntrust was demanding an additional XXXX dollars. As we had been assured on several occasions that the payoff was correct and our attorney seemed unclear on why, exactly, Suntrust was requesting additional money, we called Suntrust Mortgage to speak to a representative about this request. After several hours of back and forth and general confusion, we were told this XXXX discrepancy was due to the typo that we were assured would not be an issue.
After another few hours of explaining this situation over and over to different reps, all who seemed unable or unwilling to forward us to their legal department to dispute this and, instead, continued to inform us that this money was owed because of a typo that we were fully and excruciatingly aware of at this point, we were informed that Suntrust was very sorry that they had made this mistake no less than 4 times over the period of a month but they are issuing a new payoff quote.
They have yet to issue a new payoff or, in accordance with their own terms also set forth on the initial payoff quote, refunded the over {$100000.00} paid to them so that we can issue them another check. Until this matter is resolved, we can not close on our new home.
|
| 01/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
PROBLEM As of XX/XX/XXXX Ive been trying for 2 weeks without success to get an updated pay-off quote for a 30-year mortgage Suntrust Mortgage ( balance {$14000.00} ). The problem is SunTrust is slow to update its own records about my paid flood hazard insurance ( XX/XX/XXXX-XX/XX/XXXX ). And despite having sent 2 copies of flood insurance policy & repeated contacts, I can not get any action from either customer service or insurance department @ Suntrust. If I call, I wait 10 minutes to get rep, get disconnected or get robo message that I dont have an account ; if I try to get on Suntrust chat I get frozen screen error message or log in [ XXXX ] get error message web site experiencing problems.
HISTORY I have had continuous condo association-paid flood insurance through XXXX XXXX XXXX for duration of loan. Suntrust sent me XX/XX/XXXX notification letters : ( XX/XX/XXXX my flood insurance is expired, XX/XX/XXXX thanks for providing evidence of flood insurance, XX/XX/XXXX flood insurance is expired ). Since XX/XX/XXXX indicated no problem, I concluded that XX/XX/XXXX was a system erroralso a past problem. In interim Suntrust placed {$1000.00} in my account mortgage escrow to cover bank-issued XX/XX/XXXX- XX/XX/XXXX flood insurance.
On XX/XX/XXXX my insurance agent emailed XX/XX/XXXX- XX/XX/XXXXcondo association flood policy to SunTrust & got confirmation receipt from same [ XXXX ]. SunTrust insurance advised me on XX/XX/XXXX that scan had not been received. On XX/XX/XXXX a 2nd copy of the flood policy was faxed directly from XXXX XXXX to SunTrust insurance dept ( 3-way phone call between l me, SunTrust Customer Service, XXXX, and XXXX XXXX ) again verified receipt. On XX/XX/XXXX customer service could not provide an updated account balance. Also on XX/XX/XXXX I emailed XXXX area mortgage loan officer XXXX XXXX who was unable to assist me other than to give me customer service phone # I already had. On XX/XX/XXXX my on-line account with SunTrust Mortgage shows escrow of {$1000.00}.
|
| 04/14/2017 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
|
|
This is a complaint against Suntrust Bank in XXXX, FL Our company, XXXX XXXX , XXXX had a CD with SunTrust Bank in the amount of {$400000.00} since at least XX/XX/XXXX ( copies attached ) ; every time the CD was going to renew the manager told us that we will get the highest preferred rate due to our balances but they could not give me the rate at the time, their paperwork never showed the rate either.
Every time we ask the officers at the bank for the rate they told us they either did not have it or did not have access to it ; until last year, we met with a new officer at the XXXX Branch in XXXX that was supposed to become our officer in the private banking area and I asked him about the rate on the CD and when he look at the computer he told me that there was something wrong with the rate and he will speak to his boss to fixed the problem.
A few weeks later when I asked to speak to the officer, I was told by the branch manager that he was no longer with the bank and they were going to assign a new officer to us ; a few weeks later I spoke to somebody in the XXXX XXXX Branch and when I told them that I was going to file a complaint with the Dept of Finance, within 10 days I received a letter from XXXX to close all my accounts, even the accounts that belong to the XXXX in which I was only a signature ; I tried calling XXXX and they said is their right and they do not have to tell me why.
I had all our companies and personal names check with the OFAC DATABASE and we are not listed, we have our accounts at this bank since it was open since we build it in XXXX, we never had a problem and we had balances over XXXX all the time and no cash deposits ; to transfer the accounts we could not transfer over XXXX memorized checks to another bank and it took 3 persons almost 30 days to be able to transfer all the accounts.
I would like an investigation as to what was supposed to be the preferred interest rate to get all the interest back and the reason we were asked to close the accounts.
|
| 10/30/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Suntrust made a fraudulent transfer from one of our accounts to the other, leaving us with less than {$30.00} to survive. Here 's what happened.
A few months back I lost my job while my husband was in the midst of looking for stable employment. We had XXXX accounts with Suntrust ; XXXX fell behind while we were trying to get back on our feet. We received correspondence from Suntrust letting us know the account was behind and by how much. We went into the branch to communicate our situation with Suntrust and to freeze that account, with the understanding we would make a payment arrangement. We also asked that the Overdraft Protection be removed from both accounts.
We were assured that this would be sufficient to prevent any withdrawals or activity in the frozen account while we get back on our feet. Last week, we noticed a " transfer '' from the active account to the frozen one. This caused our account to be overdrawn and charged the {$36.00} fee ( which was NOT supposed to be charged since they were supposed to have removed the overdraft protection ). We immediately reported it as fraud. The XXXX was credited back. It seemed that all was well.
This week, before paying a bill, I checked our active account, and there was less than {$30.00} in it. The entire balance had been transfered to the " frozen '' account without or knowledge or permission.
I went to the branch to speak with the manager -- she profusely apologized and gave me the number for the credit department. It seemed that none of the efforts we had made to set up a payment arrangement had been documented by any of the agents we corresponded with. When I called the credit department, I was told there was nothing they could do. Meanwhile, our rent, and car payments are behind and in serious jeopardy. This could not have happened at the worst time.
In short, I am reporting this because Suntrust seems to have gotten so " large '' that the right hand does not know what the left hand is doing. There is no accountability.
|
| 02/22/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
I filed a fraud claim with Suntrust Sunday on XX/XX/XXXX for a XXXX transfer I had initiated using the Suntrust app but suspected was fraudulent. Since the amount of the transfer was above the daily limit, the app gave a message that it would not be processed immediately. The recipient also informed me that they had not received the money, so I called Suntrust and asked them to put a stop on the payment which is how the claim was opened.
On XX/XX/XXXX Suntrust issued a temporary credit for {$1500.00} to my account.
On XX/XX/XXXX I received the email from Suntrust copied below stating that the transfer had not reached the destination and that the XXXX service had been cancelled on my account.
On XX/XX/XXXX I received a call from Ms. XXXX XXXX from the Fraud department. I forwarded her the email I received on XX/XX/XXXX to her after answering a few questions about the claim. On XX/XX/XXXX I received an email saying that the claim was being denied and the {$1500.00} was going to be taken from my account on XX/XX/XXXX.
Today I have spent 3 hours on the phone with both the Customer Service and Fraud department ( note that XXXX XXXX has not returned my calls ) trying to figure out where the money from the XXXX transaction that, per their email to me did not reach its destination is, was and when it would be returned to me. Not a single person could tell me where the money is. The only answer I got was that the claim had been denied.
Email : SunTrust Bank XXXX logo Dear XXXX, We couldn't complete your payment to Key Key ( XXXX ). This money won't reach its destination.
As a security precaution, we have suspended your XXXX account. This means you can't send or receive money with XXXX. Contact us at XXXX or XXXX to resolve the problem.
Payment Details Confirmation Number : XXXX Amount {$1500.00} From SunTrust Bank, Checking, XXXX To Key Key ( XXXX ) We apologize for any inconvenience this may have caused you.
Sincerely, Customer Service This email was sent to XXXX
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Deposited 4 checks of XXXX each totaling XXXX I intended to deposit 2 into checking and 2 into saving however all 4 went into checking which I assume drew a red flag, I made my deposit on XX/XX/XXXX which was pose to be available XX/XX/XXXX however when I logged into my account it was blocked I then called XXXX who stated that my funds required an additional hold and that funds would be made available XX/XX/XXXX my account would remain locked til that time, however on XX/XX/XXXX I logged into my account and it was still blocked I again called XXXX which then stated that my account would be closed due to federal rules and regulation and that I would received my remaining funds in a check from SunTrust however when I received my funds they were only for XXXX?? from checking and XXXX from saving reached out to XXXX again for the deposit of XXXX was never sent they then stated my deposit was fraud and would not be released until XX/XX/XXXX because they were unable to verify the checks deposited into the account although the checks Cleared my account and the check issuer XXXX XXXX have not stated that the funds did not belong to me nor have recalled payment of those funds from this account. Filed complaint with CFPB who put me in touch with XXXX XXXX SunTrust a SunTrust Client Advocacy Team who never answered his phone to hear my side only responded with an email stating he decided to stand by his company decision to retain my funds til XX/XX/XXXX unless I provided a credit card statement for each transaction which is unable to be provided per issuing company XXXX XXXX these are refunds from gift cards which are unregistered however they ( XXXX XXXX ) have stated they can provide validation verification of the funds issued to me to SunTrust Bank however SunTrust stated that XXXX XXXX need to recall and reissue the funds which they have no way of doing once the funds have been issued off the gift card, and will not provide nor accept the information needed to verify the funds
|
| 07/19/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In a previous request ( XXXX XXXX ) I requested my mortgage company, Suntrust, to draft my monthly payment from my Savings account instead of my Checking account at XXXX XXXX XXXX XXXX XXXX. Suntrust acknowledge the change and verbally assured me the XXXX XXXX draft would come of Savings. In XXXX XXXX Suntrust Mortgage did not withdraw the funds from Savings and instead withdrew it from Checking. I did not have the funds in Checking so I received NSF fees in the amount of {$60.00}. I brought this error to Suntrust 's attention and my issue was not resolved as Suntrust concluded they had withdrawn the money from the correct account. Suntrust was 100 % wrong. In my frustration I removed the automatic drafting by Suntrust. I intended on paying Suntrust by ACH from my bank XXXX XXXX. On the next payment I found out Suntrust will not accept ACH payments from banks. I had to make a 1 time payment from the Suntrust site for my mortgage. Therefore, I signed-up on line with Suntrust again to withdraw payment from my XXXX XXXX SAVINGS account. This was a brand new set-up so I had high hopes it would actually work correctly. I received a confirmation letter from Suntrust they would withdraw, effect XXXX, payments from my account type S for SAVINGS ( please see attachments ). The next payment, XXXX, Suntrust AGAIN withdrew money from my Checking instead of my Savings. However, I knew this would be the case so I had the money in the account or else I would have AGAIN received NSF charges. Suntrust was wrong again, even on a brand new draft set-up request. This proves that though I am signed up properly to use my Savings account as the source of funds Suntrust still takes the money from my checking. I want the {$60.00} in NSF fees in the original dispute to be returned to me as I signed up properly then and they were wrong and they are wrong again. I have attached notices and bank statements showing the drafts were ALL from XXXX XXXX Checking ( C ) instead of XXXX XXXX Savings. ( S ).
|
| 02/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
This is a complaint against Truist/Suntrust Bank.
I opened an account onXX/XX/XXXX it was closed on XX/XX/2020 without explanation.
The initial letter indicated that I had initiated the closure of my own volition. This was obviously not true. I called immediately that morning and essentially got an unclear answer from a rep named XXXX. First I was told that this was due to me not funding the account, however at this point the account had been only open a week. Then when I confronted the rep with the letter she stated, she could not see it. She then contacted the back office who said my account was closed due to their terms and conditions. When asked for which specific terms none could be cited. I again asked about the letter and how me not asking to close the account could be a case of fraud. The bank refused to even investigate At this point I became suspicious. The account had been opened without issue ( no XXXX XXXX or XXXX denial as such ) and why would there be I have never bounced a check or been delinquent on anything in my entire life. I had one letter stating I had initiated the closure and another stating I violated terms and conditions of the bank without citing what terms I had violated. This was exceptionally strange since again the account had been open a week and not funded.
I called back after receiving the letter, and was transferred to Client Solutions and spoke to a woman named XXXX. I brought up concerns that this closure could have been discriminatory in a nature ( given that there was no activity in the account itself and the conflicting reasons now for closure ), however she could not say with certainty this was not the case. I still have no explanation as to why the account was closed. I told her that I was going to file a CFPB complaint and she encouraged me to do so.
I do believe Suntrust has a legal obligation to accurately report a reason for the closure. I have 2 reasons for the closure at this time - neither of which make sense.
|
| 07/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Our refi loan is subject to PMI. The loan was initiated in XXXX XXXX with XXXX XXXX XXXX, sold to XXXX within the first month, then sold to XXXX in XXXX of XXXX. Within the PMI Disclosure ( Fixed Rate Non-High Risk Loan ) signed at closing it gives two options for PMI termination. 1 ) upon 80 % LTV we can request termination of PMI and 2 ) automatic termination at 78 % LTV. The Original Value of the home based upon a XXXX appraisal was $ XXXX. In the case of the first, we requested termination in XXXX at which time an appraisal was requested by the lender who contracted with an appraiser, this is allowed by the terms of the PMI Disclosure. The appraiser did not know this market, was officed XXXX miles away, and pulled inappropriate comps leading to a XXXX appraised value of $ XXXX. We contested the value but determined the hoops to jump not to be worth the work and cost. We left the matter be as Option XXXX, automatic termination upon 78 % LTV based upon " the original value of the property '' was imminent. Suntrust now refuses to remove PMI stating the XXXX appraisal does not warrant removal. We have explained that the XXXX appraisal is immaterial as the Automatic Termination clause states " If you are current on your loan payments, PMI will automatically terminate on the date the principal balance of your loan is first scheduled to reach 78 % of the original value of the property, based solely on the initial amortization schedule for your loan and irrespective of the outstanding balance of your loan on that date '' - We are current with our payments and have never been late or delinquent. Further Original Value is defined in the Disclosure as " If the loan is a refinance loan, 'original value ' means the appraisal value of the property relied upon to approve the loan ''. As per the PMI Disclosure this date is XXXX XXXX, XXXX. CFPB 's assistance is required to ensure Suntrust Mortgage adheres to the terms of the PMI Disclosure they bought when they bought our loan.
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| 06/25/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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My business debit card was used fraudulently several times on XX/XX/2019. Twelve points of sale transactions were made back to back from XXXX XXXX IL in amounts between {$85.00} and {$110.00}. ATM cash withdrawals of {$500.00} and {$300.00} were made from what I believe to be the location of XXXX XXXX. The possible transaction numbers were XXXX & XXXX.
No stops were placed on the account during this time. The fraudulent activity contact number is only available Monday- Friday. I called Monday morning to report the issue. The account was originally credited the amount after over a week without access to funds.
The claim was then denied based on inconsistencies during the interview process which occurred over the phone and that no error occurred. Date of denial was XX/XX/2019. My claim did not change. Everything I told the representative was that my card/information was stolen and that I did not authorize any of the transactions which were identified upon reporting the original claim.
The bottom of the denial notification letter stated that I ... have the right to request a copy of any documents that were used in decisioning your claim. I reached out to the bank on several occasions to try and better understand the meaning of this denial. Each time met with faulty information and false assurances that more information would be sent via paper mail. I have yet to receive any documents which they claim to have used to decide the outcome.
I filed a rebuttal. Listing the same information/facts as I knew them. Date of submission was XX/XX/2019. The rebuttal was met with the same results and lack of clarification/information.
It became apparent that the decision to deny this claim came down to one person. That person apparently has no accountability, can not be questioned/contacted, and is not required to provide information/clarification of their decision. Feels like the bank is taking advantage and is NOT there to protect my interests and account security/well being.
|
| 06/21/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have been banking with SunTrust Bank, XXXX. They run all credit and deposits at the end of the business day. When they run debts, they start with the highest and go to the lowest. They do this in order to extract extra overdraft fees and not deny payments when your account is overdrawn.
I recently had a situation whereby I had approximately {$450.00} in my account and a deposit of {$360.00} giving me a credit of {$820.00}. I had several withdrawals on XXXX/XXXX/2015 listed below : {$7.00} {$23.00} {$29.00} {$46.00} {$85.00} {$280.00} $ XXXX $ XXXXHowever, I made the {$280.00} withdraw late in the day and was not denied use of my bank card, so I thought I had enough funds to cover. But I accept that I was overdrawn. However, Suntrust 's computer withdraws from my account taking out the highest debt XXXX and in order to charge more bank fees. Because of this practice, I was charged {$38.00} on XXXX checks for a total of {$150.00}. Whereas if they started with the lowest debt amount, which is how it shows up on both my statement and online, I would have only been charged XXXX late fee of {$38.00}.
The following day, I deposited {$200.00}, but due to the extra {$110.00} in fees, I incurred an additional {$38.00} late fee.
While I am willing to accept responsibility for overdrafting my account, I find it fundamentally unfair that SunTurst, XXXX uses a method to extract the most fees possible and it continues to allow a customer to access funds when they are overdrawn. Had I been denied when made the {$280.00} payment with my debit card, I would have known that I did not have the funds to cover the charge and I would not have made it or I would have checked my account to find out why I did not have the funds.
I honestly am not upset about being charged a fee when I overdraw my account. That is fair. But their calculation methods as well as their allowing me continued access to funds when they are not available without warning is not fair and I feel cheated.
|
| 09/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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SunTrust is manipulating the timing of the posting of transactions to customer accounts to profit from excessive overdraft fees. Currently there is no logic to how transactions are posted to accounts, other than to maximize the fees SunTrust is able to charge. A customer could charge a transaction at XXXX XXXX on a Wednesday that is posted and settled to their account prior to a transaction that occurred at XXXX XXXX. on the same day, even though both charges appeared as " processing '' on the account from the moment they were submitted. As a result, SunTrust is processing larger debits before smaller ones, putting accounts into overdraft status unnecessarily early resulting in additional overdraft fees. For example : An account currently has a {$100.00} balance. On Wednesday at XXXX XXXX. a debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX another debit card transaction is processed for {$30.00}. On the same Wednesday at XXXX XXXX. a XXXX debit card transaction is processed for {$100.00}. All XXXX transactions are settled and posted to the account on Friday, two days after the transactions occurred. XXXX would expect the first XXXX transactions would be processed with enough money in the account to cover them and only the XXXX transaction would be assessed an overdraft fee. However, this is not what is happening. Instead, SunTrust will process the {$100.00} transaction first, which overdrafts the account and for which it charges an overdraft fee. It will then charge overdraft fees for the other XXXX transactions since they too are posted as overdrafts. Therefore, rather than charging XXXX overdraft free of {$36.00} ( SunTrust 's current rate ) for this set of transactions, they charge XXXX fees of {$36.00} each, or {$140.00}, a difference of {$100.00} profit for SunTrust by manipulating the timing of transaction processing.
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| 08/18/2016 |
Yes |
- Bank account or service
- Checking account
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|
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Web |
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On XXXX/XXXX/16 I deposited a check drawn on a local bank for {$290000.00} into my business account at SunTrust Bank. After waiting two days I paid invoices to my accountant, my insurance agency for my business liability, a payment to XXXX XXXX, a credit card I use for my business, my local business tax, XXXX XXXX XXXX etc.
In a couple of days I had received information from my accountant that their check had come back. I then received an email from my insurance agent that the check to the insurance company had been returned ( causing my requirement to obtain a money order or cashier 's check because they would not accept any other form of payment at that time ). I determined to go to the bank and resolve whatever issue as needed.
I had called XXXX XXXX on another matter and at the beginning of the voice response on their system I was told I had a balance due ( I had sent a payment on XXXX/XXXX/16 ). After speaking with the representative I asked about the voice prompted statement. She told me the check to them had been returned. I asked about what effect this would have and she responded that they had reported a late payment to the credit reporting agencies.
Before I could get to the bank I received a notice from SunTrust ( dated on XXXX/XXXX/16 and received approximately on XXXX ) stating that they were holding the check until XXXX/XXXX/16 because it was out of my normal activity, and exceeding the average balance ( please see attached ). Quite often my deposits are over the XXXX dollar value??
I went to the bank and the officer I spoke with was quite astonished this had happened. She wrote me a letter ( see attached ) to explain the bank was at fault. However, I am very angry and may move my business account.
I am in the process of selling my home and purchasing another. This event will not help me. I can not believe a bank can arbitrarily hold my funds, I believe they should be held accountable, can you help me.
Thanks Regards XXXX XXXX XXXX
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| 09/08/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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|
Web |
Servicemember |
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Suntrust Bank opened several fraudulent accounts in my name by someone who stole my identity. I have made Suntrust bank aware that these accounts were opened as a result of fraud, but they have done nothing to resolve this matter. They are reporting to XXXX XXXX XXXX agency that I have had derogatory accounts with them, when I in fact have never had any accounts with Suntrust Bank. I was the victim of identity theft in 2010 and every since then I have had multiple bank accounts, credit card accounts, and other accounts established in my name by the person who stole my information. I have contacted Suntrust bank multiple times and made them aware of this situation but they have done absolutely nothing to resolve this. They continue to ignore my requests to remove these fraudulent accounts out of my name, and continue to defame my character by reporting this fraudulent information to XXXX XXXX XXXX when they know and have been told in writing, and by phone that these accounts are fraudulent.
XXXX XXXX has also been made aware that these two accounts were fraudulent but they have done nothing to resolve this matter either. They tell me to contact Suntrust Bank, and I have done that countless times, but it is them that is reporting this fraudulent information to other creditors that is causing me not to be able to open accounts in my name. XXXX XXXX XXXX has informed me that they will not stop disseminating this fraudulent information unless Suntrust Bank tells them not to.
Both Suntrust Bank and XXXX XXXX are complicit in defaming my character and ruining my ability to obtain banking products in my name due to these fraudulent accounts that were opened in my name with out my knowledge or permission. They have both been informed of this matter and neither of them have been willing to assist me in removing this fraudulent information from my names and this constitutes a violation of the laws that govern credit reporting.
Account Number XXXX Routing XXXX
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| 03/28/2016 |
Yes |
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- Credit decision / Underwriting
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Web |
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My name is XXXX XXXX on XXXX XXXX 2016 I was pre qualified for the home I wanted to buy in XXXX XXXX by suntrust mortgage loan number XXXX. My credit score is over XXXX I have been workin for the same company for 8 years and I have money in the bank. After an enduring process of all these unheard of stipulations they had me doing which went on for more than 2 months harassing my boss constantly on the phone and getting him to write letters, as if i havent been working and paying my taxes, Also including work on the house before I owned it telling me i was conditionally approved if I fixed certain things, I had to get a licensed contractor, a licensed ac guy, and a licenced electrician which cost a pretty penny I met all there demands. I feel these people from suntrust were biast towards me because I 'm from XXXX they were n't acknowledging me throughout this process constantly ignoring me and my phone calls not being helpful with the loan process which we know can be a hassle actually making it more difficult for me because it 's my first home. I 'm an American from a XXXX backround my father was a XXXX XXXX and retired one in the great city of XXXX they treated me like I was n't raised XXXX yrs in this great free country we call the United states, My closing date was XXXX XXXX that week the lender wasnt ready with the paperwork instead of giving reasoning to why they were n't going to make the closing or to get in contact with the seller or title Co to extend my closing which was XXXX XXXX, At XXXX XXXX on XXXX XXXX they called me on the phone and verbally declined me, no email nothing written on paper stating why they declined my loan which the law requires to be done. I felt they were XXXX and biast towards me because there is no reason to deny me the loan I meet all the necessary credentials. All I want is to live the American dream and buy my first house a place I can settle down and eventually raise a family. Thank you for your time XXXX XXXX
|
| 02/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Servicemember |
|
We seem to have a disagreement with our mortgage servicer, SunTrust Bank, about the cancellation of PMI.
We've been making additional payments against our mortgage principal for the last couple of years in an effort to pay our mortgage off early. Once we reached the point where we had paid off approx. 20 % of our loan we began receiving letters on a regular basis from SunTrust informing us that we can have our PMI payments dropped if we would submit a request to do so and include a check for {$450.00} to pay for an appraisal. However, we knew ( or believed ) that according to the Homeowners Protection Act that the PMI would be terminated automatically once our principal balance had reached 78 % of the original value of the loan. We therefore felt that providing our loan servicer with {$450.00} for them to perform an appraisal was not only unnecessary, but it felt duplicitous.
At the point where we had lowered our principal below 70 % of our loan value and the PMI was still in effect we wrote SunTrust Bank a letter on XX/XX/2019 stating the above belief and included a link to www.consumerfinance.gov indicating that according to the HPA the PMI should have been dropped automatically, and without a {$450.00} appraisal. We also stated that we, in fact, should be reimbursed for PMI payments that occurred after we had met the requirement for automatic cancellation of the PMI.
SunTrust acknowledged receipt of our letter, but only reiterated that we needed to make a PMI cancellation request using their included form, and include a check for {$450.00} for an appraisal.
Our principal is currently at approximately 50 % of the loan value and we are still paying PMI.
Are we mistaken about the HPA as it relates to PMI and its automatic cancellation?
If not, would you please help us resolve this issue?
( and just a point of note, we see on this website that there are several people who have had this same issue, and with the same bank. ) Thank you, XXXX
|
| 03/20/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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A company has gone into my checking account XX/XX/XXXX and again in XX/XX/XXXX and stolen {$5300.00} both times.
Both times Suntrust has not returned my money.
Both times, Suntrust has some excuse because the company ripping people off will not return the funds. They will not return my money because they are not recouping it from this scam company. Suntrust never called me to verify these {$5300.00} charges but they said that they did. They NEVER called me. They let a company take {$10000.00} out in 2 payments almost 2 years apart from each other. This company didn't have my home address correct, they never had a copy of my license or any sort of utility bill. They never talked to me on the phone. I asked Suntrust to do a XXXX way call but they will not. Plus the merchant will not ever email me, call me or text me. Suntrust needs to return my funds. When I call Suntrust their team was extremely rude to me. XXXX XXXX, XXXX XXXX and XXXX XXXX were all completely rude and blamed me and refused to help. XXXX made threats to me because I emailed an employee on XXXX and he said that I should not have reached out to her outside of her work. I said well nobody would give me her work email, so I reached out on XXXX. He made some awful threats and nothing has happened to him. He still works there. XXXX XXXX got on the phone after I complained to the President of the bank. He said he was going to help me but he didn't even know anyone in the fraud dept. He was a complete XXXX to us and I have all of these people on speaker phone with some of my employees listening. Terrible people. Please return my money ASAP. They know my son has medical needs and I also have 5 financial products with Suntrust and deposit over 500k a year in these accounts and they are treating me like I am the thief. They are wrong and have no proof. They just do not want to refund me because the merchant will not refund them but they should have NEVER given my money away. Terrible.
|
| 02/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
XX/XX/XXXX Consumer Financial Protection Bureau It is with great sadness that I write your company. We were the original owner of this property until an investor by the name of XXXX XXXX purchased this property with the intent that we would at some point, be able to reclaim the property. However, XXXX XXXX allowed the house to go to foreclosure. He suggested that we stay in communication with the bank to maintain residency here. We did as instructed. The bank requested that we send them a copy of the lease agreement with XXXX XXXX and a list of all persons living in the house. We did as instructed, and they responded that we had a bonafide lease. In XXXX of XXXX they requested the same again. We supplied all documents again, also to include every cashed check to date. The bank, XXXX XXXX XXXX XXXX XXXX XXXX XXXX was the financial intuition that was in ownership of the property, with the company is XXXX, as XXXX XXXX with our checks being sent to XXXX XXXX. The bank has recently sold the house to an investor, in XX/XX/XXXX and yet still receiving our checks for rent and cashing them. However, no one ever sent our family notification of intent to sell. With that being said, the investor has asked us to move without proper/sufficient notice. We are currently in need of your help. First, to assist in what our rights are as tenants and Second, to gain the ability to reside here for at least until the school year has officially been deemed over. Which concludes in XX/XX/XXXX. I have attached a copy of the letters and emails sent from the attorney of the investors, that currently own the house and as well a copy of our lease agreement with XXXX and XXXX XXXX. I will as well attach any cashed checks from the past year to show the intent was to remain here, with the consent of the aforementioned bank. This move in such short notice will cause a massive shortfall for our family. We have XXXX children under XXXX that their welfare is our top priority.
|
| 08/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My complaint is that Suntrust bank has been processing my transactions in order from highest to lowest, rather than real-time. I further find them responsible for the following.
a. Does not obtain affirmative consent from its customers prior to processing transactions that will result in overdraft fees ; b. Does not alert its customers that a debit card transaction will trigger an overdraft fee, and does not provide its customers with an opportunity to cancel such transactions ; c. Manipulates and reorders. Transactions so that it can increase the number of overdraft fees it imposes ; XXXX Manipulates and reorders debits from highest to lowest in order to maximize the number of overdrafts and, consequently, the amount of overdraft fees ; e. Imposes overdrafts and overdraft fees '' when, but for reordering transactions, there would otherwise be sufficient funds in the account ; XXXX Fails to provide customers with accurate balance information ; g. Delays posting of transactions by customers using debit cards so that customers are charged overdraft fees on transactions, even though the customers had sufficient funds in their accounts to cover the transactions upon execution ; h. Charges exorbitant overdraft fees that bear no relationship to the actual costs and risks of covering insufficient funds transactions ; In lieu of the above on XX/XX/XXXX I contacted the bank for the overdraft fees against my account. Prior to this I received notice that no fees would be charged if I made a deposit by XXXX XXXX, XXXX : which I did for {$30.00} on XX/XX/XXXX to make my account in the black.
XX/XX/XXXX Transaction Total Transaction : {$1100.00} Total Deposits : {$1100.00} My Actual Balance : {$3.00} Bank Balance : ( {$140.00} ) Bank Overdraft fees : {$100.00} A message was sent on XX/XX/XXXX based on this fact and that the overdraft was caused by in accurate information via my cell phone with amount available which caused my overdraft with details.
|
| 07/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I recently tried to open a new checking account with a bank and was informed that I was not able to get a new checking account because XXXX was reporting me as owing Suntrust Bank which was very surprising to me. About 2 years ago I started having problems with Suntrust Bank and the manager at the time promised that she would resolve the issue. I made deposit into the bank and they had the account all out tof sorts, which the manager asked me to wait a few days to rectify the situation which at the time I agreed to. I used to receive direct deposit into that account from the state of MD which I later stopped and changed because of continued issues with Suntrust Bank. The problems persisted and never corrected. I went into the branch located on XXXX XXXX in XXXX, MD and requested that this account be closed. I was assured that the account was closed however it was not. After I was denied a checking account I contacted Suntrust that it appears that I did go into the bracnh to discuss those issues I was having and the it also appears that an error occured and the account never closed which a charge or charges happened and kept it opened and then they later subsequently kept it open without my knowledge and later sent it into overdraft and then they later charged it off. I did not understand how that could be possible when I requested that the account be closed and was assured that it had been. I was asked by Suntrust to go into that branch and request that the fees be reversed and the account closed properly and they would not. I also offered to pay anything that they claimed that was actually mine in other to rectify they issue and the bank insisted that I needed to pay the complete amount of {$490.00} which supposedly all fees. From maintenance fees to fees for being in overdraft fees for a prolonged period of time. I have also been contacted by a collection agency XXXX XXXX XXXX XXXX XXXX in connection with this account.
|
| 04/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Someone hacked my XXXX acct which is connected to by Suntrust bank card on XX/XX/2018 for {$1100.00}. there where originally 5 different transaction transferred for {$100.00}, {$100.00}, {$400.00}, {$400.00} and {$500.00} total XXXX but one of the {$400.00} got flagged and cancelled and was refunded. I got an fraud alert from the bank for the 2 {$100.00} transactions which was the first 2 that happened at XXXX these transactions happened from XXXX. First off why did it take them so long to notify me and from my understanding when a fraud alert is sent the card is placed on hold until you are able to verify transactions. well that was not the case here because the hacker was able to make 3 additional transactions 1 in which we know was stopped and returned.. my question is why wont they all immediately stopped? They got XXXX in 5 mins which could have been prevented if they had placed card on hold when the first 2 initial alerts came in. So i file a claim of course and they denied it saying that the transactions match my spending habit! Are you serious? There is no where in my bank transaction history that suggests that I spend that kind of money on a regular because I don't because I don't have that kind of money just to be sending random people. So i file a rebuttal claim and sent them the transaction history for that day. after i called bank regarding the fraud claim and my card was closed someone else tried to request another {$1000.00} but didn't go through since i had already removed card info and that claim was denied as well because i didn't provide any additional info from the first time. Now i'm no computer genus to know how to track down a hacker. Its that the job of the fraud department to find out where and whom my money was sent to? Now i have to wait again on XXXX to respond to my request for help because they didn't the first time. All i want is for Sun trust to do they job and find my money so i can get my money back.
|
| 05/23/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I filed a complaint with CF PB ( XXXX ) that SunTrust reported my car loan payment -- for a car that was totaled and to be payed in full by insurers -- was 30-days late. The loan was paid in full by the insurers but late due to SunTrust 's negligence in responding to the insurer s ' requests for payment methods. Both XXXX XXXX and XXXX attempted to conta ct SunTrust on my behalf numerous times however SunTrust did not return many of those calls. Even so, it was NOT 30-DAYS LATE. My credit report lists a 30-day delinquency for the amount of {$0.00}. SunTrust 's final response to my complaint did not even address my complaint. SunTrust made no reasonable investigation or explanation into the erroneous and damaging 30 day delinquent reporting of XXXX dollars due that SunTrust made to credit bureaus on XX/XX/2017 . More alarmingly, SunTrust 's inclusion in their final response information regarding my unrelated loan with SunTrust only demonstrates SunTrusts accounting and reporting systems lack of accuracy and reliability. Their letter is dated XX/XX/17 and states that as of that date the unrelated account was delinquent. This account had been re-written at the time that was done on XX/XX/2017 , and a SunTrust representative set up the electronic check payment for {$480.00}. On XX/XX/2017 , the payment cleared my bank. SunTrust 's assertion that on XX/XX/17 , the date SunTrust issued their final response, that SunTrust had not received payment for that account is provably in error. Given the fact that SunTrust 's system provided their representatives with incorrect information for my account, it seems obvious that SunTrust 's system can not be relied upon for correctly reporting delinquencies to credit agencies in general, or specifically for information regarding any of my accounts, nor most specifically for the actual account against which my complaint was made. I hereby re-open my complaint.
|
| 05/31/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX a charge for XXXX was taken out of my account from Suntrust Bank. I did not recognize the charge so I started a dispute for this transaction and a provisional credit was issued. On XX/XX/XXXX that amount was retaken out of my account because I canceled the dispute. I called the bank and asked if anything had to be done to get that merchant paid and I was told that nothing was received by bank and that it was like it wasn't ever done. I had forgotten about it and on XX/XX/XXXX we received a bill from XXXX XXXX for the timeshare that had gone into foreclosure for the yearly maintenance fees. At that time we called XXXX XXXX and subsequently paid that charge. I called the bank that day, XX/XX/XXXX, and spoke with a supervisor and they stated that from their end they had paid the merchant but when I told them they didn't have it they escalated it to their investigation team and said I would get a call back within 2 to 3 business days. Well I never and to this day, XX/XX/XXXX, have never gotten a call from them. I have initiated all calls. I called on XX/XX/XXXX, XXXX and today XX/XX/XXXX. I have been told that they do in fact have my XXXX but can not put it back into my account and must pay the original creditor. I explained that I have already paid them and did not want to fight with them to get the money back as I have already waited months for this to get resolved. They could not and would not tell me where my money was for so long and why it has taken me to call about it and why the merchant never was paid. They also could not tell me when the merchant will be paid so that I can try to contact them to get my XXXX returned to me. I think this is an outrage and for a bank to hold my money and not pay a merchant or tell me they had my money for over 60 days and then when they finally tell me they have it, they don't know when it will be paid is deplorable. I just want my XXXX back into my account or the merchant paid.
|
| 06/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have a mortgage with suntrust bank. My home was damaged during hurricane XXXX. It took me 8 months to receive a settlement from my insurance company. The check in the amount of {$100000.00} ( approx ) was made payable to myself and suntrust bank.
They have been holding these funds since XX/XX/XXXX. I have spoken to them almost everyday and every day they have an excuse as to why they will not release these funds to me. Everyday they have another new policy or a policy change that must be met before they can release funds.
On their loss mitigation page it clearly indicates the steps to follow and the timeline to receive funds. But in reality this is not true. They claim they process documents within 2-3 days and release funds up to {$40000.00}. But when I speak to the representative they say that it not true despite it stating so clearly on the website.
I believe Suntrust is deliberately withholding payment so they can hold this money and coll3ct interest for their own enrichment.
We are senior citizens and I feel they have deliberately altered their process to make it so difficult so that no matter how we try we can never comply with their demands Myself and my XXXX XXXX XXXX husband even went to a branch and had the branch manager call and speak to a representative, send over the required documents, have thT representative tell the bank manager a check would be sent out the next day only to call the next day and have another rep. Tell us that was not true. That manager at the XXXX GA branch spoke with XXXX XXXX who said to call him back the next day. We did and he wasnt there. I have left messages for him but he has never returned my call.
I believe that Suntrust bank is preying on us as elderly clients to purposefully defraud and confuse us. Not to mention hold onto our funds unjustly.
After all we have been through with a natural disaster to have suntrust bank add to our difficulties in this matter is disgraceful
|
| 02/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Misapplied mortgage payments ( erroneous payment processing ) and improper credit reporting. My payment is showing over 6 months overdue and Suntrust has reported this information to the credit bureaus.
Suntrust is the 2nd mortgage on my home. Suntrust sold/transferred the first to another processor years ago. In XXXX, Suntrust placed insurance on my home since they no longer maintained this information. Once lender-placed insurance was forced upon my account ( XX/XX/XXXX ), my monthly payments were no longer being applied to the mortgage. Money was put into a suspense account and my escrow showed a shortage in the amount of the insurance premium.
On XX/XX/XXXX, I spoke with Insurance dept. where a young lady called XXXX, confirmed insurance has been in place. Within a week I received a " Lender placed insurance cancellation notice. '' On XX/XX/XXXX I opened a dispute with Suntrust 's Credit Bureau Dispute Dept ( Case number XXXX ) On XX/XX/XXXX, Suntrust sends a check of {$680.00} stating these funds were insufficient to bring my loan current and {$2400.00} is outstanding. Suntrust imposed fees and charges while showing 6 prior months of payments are unpaid. Eight payments totaling {$2500.00} of the 10 I've made since last XX/XX/XXXX remain unaccounted for.
Finally, on XX/XX/XXXX I called and spoke with XXXX ( XXXX ). She asked if I was calling to make the {$2400.00} payment. I said XXXX no Im not calling to make a payment. She then argued with me about " watching my language '' and using profanity. Once I said I was now recording the call and she said she was hanging up. I asked for a Supervisor and she said none was available and she was hanging up. I then asked for XXXX XXXX and she disconnected the call. Suntrust is not doing their job nor making any legitimate attempt to resolve this. My credit has been negatively impacted and my level of frustration and annoyance with Suntrust is beyond exhaustive limits.
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| 05/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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SunTrust Mortgage deposited/cashed the check earlier than the date written on the check, then caused an overdraft fees charged by my bank.
Our monthly mortgage due deadline is on XXXX XXXX, 2016. I mailed a check in the first week of XXXX, but I made the check dated on XXXX XXXX, 2016. SunTrust Mortgage cashed/deposit the check on XXXX XXXX, 2016. Because there were insufficient funds in the account on XXXX XXXX, 2016, our bank charged a {$30.00} fee for overdraft.
I went to our bank and our bank told me that SunTrust should not bank that check until XXXX XXXX, 2016. I then called SunTrust Mortgage and tried to resolve this matter. All I was told that SunTrust Mortgage processed the payment electronically on the date the payment was received thus there was no way SunTrust Mortgage could do to prevent such thing happen again.
Here is the problem, the customer/consumer, in our case, could mail the payment a few days later, then SunTrust Mortgage would charge a late fee if the mail arrived late than the due date ; if the customer/consumer mail the payment early but date the payment before the due date, when SunTrust Mortgage can cashed/deposit the check regardless the check 's date whether it is for yesterday, tomorrow, next month or next year, just because it is process electronically. On the other hand, if any consumer tries to bank a check is dated for tomorrow, any bank in the US will not allow such check to be deposited or cashed until tomorrow. How come SunTrust as a bank can be treated or practice differently. I believe SunTrust Mortgage 's practice put all consumers at great disadvantage and we as consumers are at lose end no matter what and we have no way to assert our rights. I do n't believe this kind of practice is done by SunTrust Mortgage only, and I am not the only disadvantaged consumer/customer.
SunTrust or any other bank can definitely do something that is not taking the advantage of the consumer.
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| 12/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
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- Problems when you are unable to pay
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Web |
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This complaint is referring to Suntrust Bank and not the reporting agencies- I was discharged from bankruptcy in 2012. While filing, I needed to keep my auto loan with Suntrust Bank. The loan was reaffirmed with Suntrust and approved by a Judge of the United States Bankruptcy Court. I was told by the bankruptcy trustee, my attorney, and by Suntrust themselves that once the loan was paid in full that no negative reflections would appear on my credit report. I was advised by my attorney that Suntrust would report the loan as paid satisfactory ( or something of the sort ) and not show any negativity in the history of the loan ( after the loan was paid in full ). I paid the loan off one year after the bankruptcy was discharged and Suntrust continued to report the loan in a negative fashion ( Remarks : Chapter XXXX Bankruptcy ). I have contacted Suntrust many times over the past 3.5 years and have disputed the issue with all XXXX reporting agencies several times as well. I have gotten several answers from Suntrust ranging from " we are not reporting you '' to " this is just how it is done ''. I have recently contacted my attorney and he has advised me that Suntrust has been illegally reporting the loan since day one of reaffirmation under the FCRA and Bankruptcy Protection Laws. However, I was advised, I would have to retain him at my cost to sue in order to have the issue resolved. I have uploaded the original documents given to me from the US Bankruptcy Court after my bankruptcy was discharged. One is issuing for the intent to reaffirm, one is the from the discharge packet after discharge, and the final decree of discharge. I also included a copy of TransUnion 's report showing Suntrust still reporting me as " Chapter XXXX Bankruptcy '' ( most recent dispute ) I have worked very hard over the past several years to recoup from the impact of bankruptcy. Any help that you are able to give will be greatly appreciated!!!
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| 09/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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TO CFPB Management : Hi, I am very disappointed by incompetence and complete disregard by SunTrust Mortgage, while servicing my loan. I was contacted by SunTrust Mortgage about necessary flood insurance coverage for my property. However, although I provided all information about my own flood insurance coverage through my condominium, they still insisted on buying their insurance.
When I contacted a Customer Service representative XXXX XXXX and told her that my Principal Loan Balance is {$76000.00} $ and my own insurance coverage is {$82000.00} through XXXX, which meant that I am in full compliance by FEMA requirements ( see below ), she promised to open a research case and get back to me in three days by personally calling me.
A week has passed and XXXX XXXX did not call me to provide any status update on the research. When I called myself, some other associate responded and said that research concluded that you need XXXX imposed flood insurance. When I asked to provide me the grounds for such an additional coverage, she failed to provide them and referred again to a conclusion of the Research Department. When I told her to go on the FEMA web-site and pointed to the requirements ( see below ), she said that they would need to open another research for that.
Please assist with resolving this case for me to get the refund for unnecessary insurance coverage and completely remove that imposed flood insurance coverage from my account.
I attached my flood insurance coverage from XXXX, my loan information and FEMA requirements for flood insurance.
The amount of flood insurance coverage required by the Flood Disaster Protection Act of 1973, as amended by the National Flood Insurance Reform Act of 1994, is the lesser of the following : 1. The maximum amount of NFIP coverage available for the particular property type, or 2. The outstanding principal balance of the loan, or 3. The insurable value of the structure.
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| 02/21/2020 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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LOAN : XXXX XXXX County SunTrust Mortgage was PAID XX/XX/2006 - the Mortgage was sold 16 Years ago.
SunTrust Has failed to File a satisfaction and release for 16 Years ago and should be fined for damages. Any lender which has sold the Mortgage and it's NOT even the servicer, must file a satisfaction and release within 30 Days.
SunTrust Mortgage should have satisfy : Upon full payoff of the mortgage from another, and here with I the mortgagor demand of the mortgagee that satisfaction be recorded. The mortgagee had 60 days from the date of the sale without recourse to comply, or face liability. Marginal Satisfaction : Not allowed.
SunTrust Mortgage should face penalties and In the case of a civil action arising out of the failure of the mortgagee to properly record, within 30 days of demand, a satisfied mortgage, the prevailing party shall be entitled to attorneys fees and costs, and shall be guilty of a misdemeanor of the second degree.
Once a mortgage or deed of trust is paid and sold, the holder of the mortgage is required to satisfy the mortgage or deed of trust of record to show that the mortgage or deed of trust is no longer a lien on the property.
The general rule is that the satisfaction must be in proper written format and recorded to provide notice of the satisfaction.
If the lender fails to record a satisfaction within set time limits, the lender may be responsible for damages set by statute for failure to timely cancel the lien.
Depending on your state, a satisfaction may be called a Satisfaction, Cancellation, or Reconveyance. A satisfaction is where the former holder of the mortgage records and files with the office of the clerk a satisfaction on the face of the the recorded mortgage, which is attested by the clerk.
SunTrust Mortgage was paid 16 Years ago, does not have a mortgage or note.
The recording of a satisfaction is to be made forthwith or be held liable for all the damages!
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| 04/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Suntrust Bank, located at XXXX XXXX XXXX, XXXX, FL XXXX has at least 1 bad seed amongst them. We always did business with branch near our home, but on this day, we needed to handle a large some transfer while working. So we decided to go to the XXXX location. Only the teller & the manager would know that this large sum of money would be hitting our savings account & when it would clear, along with having my husband 's Driver 's License with signature & the knowledge that there was a large sum. Most people do not have that amount. We usually don't either, but we just sold a house & just transferred the money to our account.
Right after the money was cleared to our savings, {$65000.00} was transferred on XX/XX/XXXX from our savings to our checking. Then at the same time, {$9400.00} was taken in cash from the fake ID that was made, just under the {$10000.00} radar. Right after that, the man had a cashiers check made out from the same account for {$56000.00}. All transactions were done in person with a teller in another state.
Suntrust flagged it immediately, but never notified us of any suspicious activity. Two days later we noticed {$65000.00} missing from our account. The cashiers check had a stop put on it immediately, but never were we contacted of a security breech. Also, Suntrust has not put the {$56000.00} back in my account as ofXX/XX/XXXX even though they have a stop payment on it.
One bad seed has destroyed our trust & security after 40 years of banking & loans. We have no other choice, but to go to another bank because all of the personal information that was sold off. That person still has access to our accounts & all of our personal information. Plus we noticed, that when they set up the new accounts they didn't take our pictures to have some verification, like many other banks do. We are not saying this couldn't happen at any other bank, but at the moment we are not safe at Suntrust.
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| 10/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My SunTrust Bank debit/ATM card was stolen on XX/XX/2019. I reported the theft of my card within hours of the theft on XX/XX/XXXX to the SunTrust Fraud Department. When I notified the SunTrust Fraud Department, I was told that my card had already been used on eight separate transactions totaling {$3200.00} on XX/XX/XXXX. SunTrust stated the bank would investigate this matter, and {$3200.00} would be deposited into my checking account within 10 working days from XX/XX/XXXX. However, I received a letter on XX/XX/2019 from SunTrust dated XX/XX/2019 denying my entire claim. The letter from SunTrust denying my claim is attached to this complaint. I was never contacted by SunTrust nor asked any questions before this final decision was reached to deny my claim. I was not informed why my claim was denied. At the time of the theft of my debit/ATM card, I had {$19000.00} in my checking account. The balance in my checking account had been over {$10000.00} for many months. I have been a SunTrust customer for many years with my payroll checks being deposited into my account every two weeks. I have been traumatized by the theft of my debit card, and now I feel I am being traumatized more by my own bank who refuses to stand by its fiduciary responsibility to protect my money on deposit with SunTrust. The Electronic Fund Transfer Act Regulation E ( 12 CFR 205.6 ) states that the maximum liability for unlawful transfers on debit cards is {$50.00} OR the total amount of unauthorized transfers. SunTrust 's website gives customers assurances of the safety of their deposits with SunTrust. I have now discovered that SunTrust has many complaints filed with the Consumer Financial Protection Bureau. I hope this complaint aids other bank customers who may have experienced or are currently experiencing the same or similar problems with SunTrust 's broken promises to its customers and its failure of fiduciary responsibility.
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| 10/17/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XXXX/XXXX/XXXX, I noticed that one of my checks ( # XXXX ) had been debited from my account for the second time on XXXX/XXXX/XXXX. I called SunTrust fraud department to let them know and explain that the check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. They opened XXXX # XXXX.
On XXXX/XXXX/XXXX, I noticed that another check ( # XXXX XXXX on a different account had been debited from my account for a second time on XXXX/XXXX/XXXX also. This check was dated XXXX/XXXX/XXXX and was already paid on XXXX/XXXX/XXXX. I called back to SunTrust and explained all the details above and that I needed for these checks to be returned either as duplicates or stale-dated items and my funds returned to my account immediately. They started a fraud claim XXXX. They informed me that I should have the funds back in my account with 2 business days. If more information was needed, they would contact me within 15 calendar days.
Additionally, I went to the XXXX XXXX office on XXXX/XXXX/XXXX and was unable to resolve or get funds credited back to my account. Again, I requested the funds to be returned to my account and the request was denied.
After being given wrong information from the various customer service personnel - being told that it does n't matter how old the checks are and that the funds had not previously cleared my account, I am not sure that they are aware of how to return checks or fix their error.
I do not know what else I need to do to correct this problem. I feel that I should have the funds back in my account as I have proved to them that they were previously paid and can not understand why there is such a delay in correcting the bank 's error on my account. I am concerned that this may happen again in the future while they are taking their time in crediting my account back. I am trying to close these two accounts, but do not want to close them until my funds are returned.
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| 07/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I called SunTrust bank this morning at XXXX est. I had an issue where I can funds available for a transaction and positive balance after the transaction. I was charged {$36.00} NSF fee and called to discuss with bank.
I talked to a agent ( XXXX ) provided my issue as to what my online/app is reporting as activity, and the agent told me that this is not what is showing on her system, and offered to send over screen-print to have reviewed. I informed that not the consumer issue if their system reflects something different that the online system, we as customer rely upon our access to know what is available.
The agent informed that due to a courtesy waiver was already completed in XXXX that she could not assist, and that this is all that she could report. The agent and myself did not meet an consensus about the final results and I asked to speak with a supervisor.
Supervisor Mr. XXXX came on the phone, and informed of the same concerns. I was told the same information, and offered yet again to send over screen prints of the transactions, and the Supervisor bluntly was dismissive and when could not reach an agreed upon consensus I asked Mr. XXXX to transfer me to his manager, and told refused, and told understand if no one was available that he could take down my number and have them to return me a call. The Supervisor refused to escalate the call, and have a manager to return my call, citing my warranted and that I could place my concerns in writing, which is what I'm doing here. I do not agree with the bookkeeping of SunTrust, and not willing to accept information to make a fair assessment of my concerns or complaint. I was informed to place my issues in writing. the supervisor was rude, and dismissive and not customer oriented to assist the consumer. the form says that the NSF charge is for the fee of {$6.00} XX/XX/2019 when it was clearly a positive balance after the charge listed.
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| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our condo ( purchased in XX/XX/XXXX ) has had two tax bills due since the loan origination date. We have paid both tax bills ourselves since no tax payment was issued by Suntrust in XXXX to the District of Columbia tax authority.
We made the first property tax payment ourselves in XX/XX/XXXX, after realizing Suntrust had failed to make that payment. Due to the payment being made late, we paid a penalty. However, a payment of {$2600.00} is indicated as being paid in our escrow statement in XX/XX/XXXX, and that amount was deducted from our escrow balance. A review of our condo 's real property tax payments in the DC tax database confirms that no payment of {$2600.00} was paid by Suntrust, nor was a tax amount that high due to the city. It appears that Suntrust made payment on the incorrect parcel. If you search our address, except use the " XXXX '' block modifier, you can see a payment of {$2600.00} applied on the date in question. We notified Suntrust of our complaint on XX/XX/XXXX. We were promised a resolution in ten calendar days. After that time, no follow up occurred. I made multiple phone calls seeking resolution and have consistently been told someone will call me tomorrow or the next day. No calls have been received to date, except the initial confirmation call on XX/XX/XXXX. WE submitted a Qualified Request on XX/XX/XXXX and have not received a response or confirmation of receipt.
We are currently owed {$3600.00} by Suntrust This total is comprised of the false {$2600.00} charge allegedly submitted to the DC property tax authority in XX/XX/XXXX, which was clearly never paid pursuant to publicly available records, the {$130.00} in interest and penalty that we paid due to Suntrust 's failure to pay our second half XXXX tax bill, and the duplicate {$850.00} payment made in XX/XX/XXXX.
This is just one of a long line of problems we have had throughout the lending process.
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| 12/08/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I 'm writing again to yous it 's my third time because I just got my response back from my second mortgage and did not like what I was told saying that they can not combine my both mortgages together they can do a modification on my second loan but I have to put 5 % down in which I do n't have the money for and now they are telling if do n't pay the months I 'm behind they are going to put me in foreclosure I have been paying for the last eight years every month after month and being behind on other bills so I wo n't be behind on my mortgages opening credit card accounts just to pay them and now I 'm stuck paying all this cards and now they tell me they ca n't help me out unless I have 5 % down I talked to a mortgager and for some reason she had a not so nice attitude with me when I told her I do n't have all the backed up money I owe them and the money down that they are asking for I do n't know and do n't understand in what kind of loan they have me stuck on that I just ca n't seem to get any bank to help me refinance it they all have told me the same that they ca n't help me because I am not with XXXX or with XXXX or with harp so I just do n't understand that I have told them the situation and they also do n't seem that they want to help me cause if they know the banks or no one else can help why are they making hard for me to refinance my second mortgage they refinced my first mortgage and I did n't have to put nothing out of my pocket they included my closing cost in my mortgage so I was ok with that not very happy but was ok so I was hoping that they would do it with my second mortgage I do n't see why they ca n't do the same I do n't know and do n't understand why I do n't qualify for it I just believe that they are making to much money on me so they do n't feel the need to help me so you see this why I 'm writing back to yous also I do n't even know what kind of loan I have
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| 11/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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I have a XXXX XXXX loan my servicer is Suntrust Bank. I applied for a loan modification because I was experiencing a hardship and I was 30 days late in my payments. I submitted a letter and all the relevant documents. I was denied because the home was not my primary residence. I appealed and received a letter stating that the deadline was XX/XX/2019 to provide Suntrust any documents for my appeal. On XX/XX/19 I sent a letter to Suntrust with a copy of a document addressed to me at the property. I called to verify receipt and was told that the underwriter wanted a copy of my license. On XX/XX/19, I called and the XXXX XXXX told me that the license was not readable, and so I sent another copy. On XX/XX/19 I received a call from my loan representative XXXX XXXX who stated that I was denied because the time had expired and I did not provide the paperwork to her in a timely manner. On XX/XX/19 I spoke with a supervisor Ms. XXXX who said that I was sent a letter on XX/XX/19 stating that the reason my appeal was denied was because I was employed. Further, I was not offered any further assistance. During the phone call, Ms. XXXX stated that she could " see the chain of events and that it would be dealt with ''. She asked me to take a picture of my license and send it again. After I did so, I contacted Ms. XXXX to verify receipt. Today at XXXX XXXX., Ms. XXXX called me and left a voicemail stating that she had an answer. I have tried to call Ms. XXXX several times and she has not returned my call. I have contacted XXXX XXXX about the lack of customer service I have received and the fact that I am getting the run a around with Suntrust. I have provided all of the documentation that they asked for, and they have not addressed why they have denied my loan modification. I am asking for your assistance to resolve this matter with Suntrust in a timely manner. I will attach documents as needed.
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| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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I opened an account with Suntrust on XX/XX/XXXX in XXXX, Va in order to automatically deposit my Social Security and Pension monthly. At this point, I have an account with XXXX XXXX XXXX but recently moved to XXXX, Va and there is no XXXX XXXX XXXX. Suntrust opened the checking acct with no problems. I received my checks and XXXX debit cards with different acct numbers. When I called Suntrust about this, they told me to destroy XXXX card and the other was okay to use. I then transferred my Social Security and Pension to Suntrust. About a week later, I received a call from Suntrust saying they could not keep the account open with no explanation and I would receive a letter and my deposit in the mail. This did not happen. I changed my fund back to XXXX XXXX XXXX. On XX/XX/XXXX, I went back to Suntrust to find out what happened. They told me there was nothing wrong with the account, it was active and they could see no problems with accepting my deposits. I made a small deposit to test the system and no problems. I then transferred my Social Security and Pension back to Suntrust. The following week, I called Social Security and Pension and transferred back to Suntrust. On XX/XX/XXXX, I received a call from Suntrust saying they were closing my account again but did not know why. I then called Suntrust Corporate and talked to them. They also could not see a problem. I was told to go back to the branch which I will be going tomorrow. This situation has caused me to having health issues. I am a senior and have been XXXX since XX/XX/XXXX. I don ; t even know if I want the account now but it is the principal of the matter and feel I have a right to know why I 'm having this problem, not to mention having to call Social Security and my Pension and redirecting my info over and over again. No one should go thru this to open a checking account. Please help me solve this problem.
Thank you
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| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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I have had numerous unauthorized withdrawals from my checking and savings accounts with Suntrust Bank, XXXX was an illegitimate Pay Pal account that was withdrawing directly from my savings and checking accounts. When I approached the bank to have these rescinded the person assisting me assisting me asked if I had a pay pal account, to which I answered yes one that is tied to my debit card not my bank accounts. He intimated that I was at fault and that he would not help me, that I should contact pay pal and have them do something. I contacted pay pal, sure enough the person stealing my money did not have a legitimate pay pal account. I was instructed to contact the police to have this matter looked into and that I would have my money refunded. No refund, no help from the bank. A few days later the same thing happened to XXXX of the XXXX new accounts that I had opened, to prevent any further withdrawals from taking place, no help from the bank. This is XXXX issue I have with this bank, the other was a recurring charge that took place monthly but the bank would not help me locate who the money was sent to so that I could have it stopped. I contacted the XXXX number and was told that all moneys were going to be refunded upon their receipt of a signed affidavit sent to me by e-mail, I never received the e-mail, called again was promised the same thing, no e-mail, called again and was told I would receive XXXX in the mail, you guessed it no affidavit. I have since closed that account to prevent this from happening any further but in so doing my claim for the refund has been rescinded. An additional problem is concerning a separate account that was being charged a monthly fee when it should have been no charge as there was a direct deposit being made to that account as per the bank 's requirements. I do n't trust this bank nor do I think they are very interested in customer service.
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| 09/30/2019 |
Yes |
- Mortgage
- Other type of mortgage
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Web |
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On XX/XX/XXXX, a XXXX line of credit was obtained from Suntrust with my commercial building used as collateral. A deed of trust was filed against the property in the amount of XXXX On XX/XX/XXXX, the line of credit was increased to XXXX. The same property was again used as collateral. A new XXXX deed of trust was recorded on the property.
The original XXXX deed of trust was never canceled as it was suppose to have been when the second deed of trust was recorded ; leaving two outstanding deeds of trust on the property- a first and second lien.
On XX/XX/XXXX, I received approval to refinance the existing XXXX loan with another bank. When a title search was performed by the closing attorney, it was recognized that there were two deeds and two liens filled by Suntrust- but only one existing mortgage.
The closing attorney and related title insurance company has stated multiple times that the loan can not close until the first lien is canceled ; as the title company needs to be assured the new bank will be in first position. Paying off the second lien, with the first Suntrust lien remaining would mean the new bank would be in second position behind Suntrust first lien which should not be there in the first place as there is no related loan tied to the lien.
Numerous calls and in person visits have been made to Suntrust requesting the bank to fix their error and release the first lien, which should have been released at the time the new second deed was recorded.
Each request, I was told we will Look into it and get back with you. This has been going on for over a month. I have had to delay closing on my new mortgage multiple times due to Suntrust not releasing the lien.
Suntrust will not release the lien, or provide a payoff. Conversely, they are maintaining a lien on the property without justification.
This has cost me in higher interest costs and hours of my time.
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| 03/29/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Suntrust Mortgage is basing an increase in my escrow account without taking into account an official estimate of my new tax amount for this year. I was eligible to benefit from a significant reduction in my county real estate tax by way of having been granted an over XXXX homestead exemption. My tax was reduced from {$1500.00} to approximately {$600.00}. The new computation is a high estimate based on my previous tax bill of {$150000.00}.
I received an official document from XXXX XXXX, XXXX on the form that they commonly use for this purpose. The document is signed by the appropriate county employee and, as suggested by Suntrust, sent the document to Suntrust. Suntrust has advised me that they have this form in their possession.
Suntrust recently calculated my escrow and payment based upon the previously mentioned higher amount. The stated reason was because their research department was unable to verify the new lower tax amount. I admit they I do n't know who they spoke with but I did attempt to have them contact the person that issued me the homestead exemption and the new estimate. The Suntrust employee told me that they do n't work that way. I advised them that federal law protected consumers from this type of problem. My suggestion is that they simply contact the person who signed on the county form and confirm the validity of the document.
The approximate {$600.00} new tax amount does reflect the homestead reduction and is based upon last year 's tax amount with a reasonable increase in millage rate. In other words it is a county official 's best estimate of what my county tax bill will be for XX/XX/XXXX.
The increase in my payment is almost {$90.00} per month and is not only burdensome but unfounded. I f they truly have a research department they should resolve this by contacting the county official that signed the document and adjust my escrow appropriately.
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| 01/22/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American, Servicemember |
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On XX/XX/2018 ; I was defrauded out of {$19000.00} by SunTrust Bank XXXX customer XXXX XXXX, acct # XXXX in XXXX, GA. This individual scammed me by leading me to believe he wired an overpayment of {$20000.00} to my XXXX XXXX acct. This was done by hacking my computer and fraudulently transferring {$20000.00} from XXXX of my XXXX XXXX accounts to another making it appear that the overpayment was legitimate. I subsequently wired {$19000.00} to SunTrust Bank customer 's acct. at his request. I received an alert from XXXX XXXX that an account transfer was made between two of my XXXX XXXX accounts. I notified XXXX XXXX immediately of the fraudulent/unauthorized transfer. I asked XXXX XXXX to recall the wire transfer and to notify the SunTrust Bank branch in XXXX, GA that a fraud had occurred and to freeze the receiver 's account at SunTrust Bank. Both XXXX XXXX 's and SunTrust Bank 's fraud department were notified within an hour. I called SunTrust Bank and their fraud department but could not find out what was happening to stop the funds movement. SunTrust Bank would not tell me anything that was going on, nothing about their customer, or if there was any funds in the account. The next day I gave a police report to the XXXX XXXX police department. Their investigator told me the SunTrust Bank Customer used an address of an empty lot in XXXX so there was no way to find this scammer. SunTrust failed to recover the funds, made no effort to recover the funds, or investigate the fraud. SunTrust Bank facilitated the scammer by opening an account without properly vetting the customer and did not adhere to bank regulations requiring Knowing Your Customer ( KYC ). Banks have the responsibility to protect consumers against fraud. My efforts to get SunTrust Bank to recover the funds were futile. Therefore I am requesting SunTrust Bank 's reimbursement of the lost funds, {$19000.00}.
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| 06/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Effective XXXX XXXX, 2016, XXXX sold my mortgage to SunTrust Mortgage. Initially, I received a note from SunTrust that my account number from XXXX XXXX would remain unchanged. I later received a note from SunTrust that I was given a new account number. I changed the account number in my bank 's automatic payment, and through a snafu, the XXXX 2016 payment was not sent to SunTrust. I was unaware of this until I received a notice from SunTrust that my XXXX 2016 payment had not been received, so I was to make a double payment that was for XXXX and XXXX 2016. I received a bill for the two months of XXXX and XXXX in the amount of : {$2500.00}. I made that payment on XXXX XXXX, 2016 - to cover both XXXX and XXXX. Yesterday, XXXX XXXX, I received a note from SunTrust that they had not received my XXXX payment. I went into my bank account and the payment for XXXX and XXXX had been sent on XXXX XXXX. I called SunTrust, and during my 58 minutes on the phone with 3 people I learned that SunTrust had made the following mistakes : 1. ) They applied my XXXX payment to my principle, rather than to my mortgage payment. This happened even though they sent me a bill for {$2500.00} and I paid exactly {$2500.00}. 2. ) I further learned that my XXXX payment was also incorrectly applied to my principle! They received my XXXX payment on XXXX XXXX, 2016. The first error was now compounded by a second error. I was told that they would correct that issue and respond back to me today. I am extremely concerned that my credit, which is super, will be negatively impacted by these SunTrust errors. I would like to have this checked out, as I notice that there are a number of online complaints that indicate that SunTrust misapplies monthly payments to the mortgage principle and then sends out notices to homeowners that they are late with their payments. This is either incompetent or fraudulent.
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| 07/12/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX, 2016. I went online and removed the overdraft protection from my bank account. I received an email from Suntrust that stated. This notification is confirmation you have chosen to remove Overdraft Coverage from your account ending XXXX for ATM and one-time debit card transactions. This change will become effective within two ( 2 ) business days, On XXXX XXXX, 2016, Suntrust paid a transaction for me for {$1000.00} and I was charged a {$36.00} fee for this transactions. In addition, I have XXXX other {$36.00} fees. I did not authorized Suntrust to pay this. It was my mortgage payment but I plan to make arrangements with my mortgage company so I would not be in the hold. I expected the check to be returned unpaid and that what I wanted to do. Now my checking account is in the negative of {$1600.00}. When I get paid and my check is direct deposit, this is going to take my entire check and I am going to be in a lot of financial trouble. I can not afford for this to happen. I was just in a car accident, I have medical bills to pay and other utility bills to pay. I never expected this to happen and that Suntrust would pay this since I cancel the option or did not ask them to.
In addition, I had Suntrust investigage charges of {$200.00} taken out of my account from a Health Club that took out the money to early. They basically did not do anything and said that the business did not wrong. I gave the documentation stating when it should have came out and when it actually did. Also, have since cancelled the service with the company. The company sent me an email showing that they could not find an account for me. I sent this to Suntrust also as part of my documentation. They still did not help me get my money back. I am tired of the fees that I am being charged and the bank charging even {$36.00} if I have a debit amount for {$13.00} that some how get paid.
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| 02/02/2017 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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My wife and I have a joint account with SunTrust ( branch is at XXXX XXXX XXXX XXXX, XXXX XXXX GA XXXX ). We received a rogue charge to that account for a clothing purchase we had never made for {$240.00}. We called the bank to inform them and to halt the processing of the transaction. The bank told us that the transaction had been made on a different card ( My wife had had an account in her sole name with her own debit card for that account, however she had closed that account 3 months earlier and that account had disappeared from any view that we had ).
As her old account was linked to our joint account, the transaction appeared on our joint account. It appears that they removed my wife 's " closed '' account from our view, but had never actually closed the account. I have read about the XXXX " sales practices '', however perhaps there are other short term " performance measures '' within banks that are resulting in window dressing ( such as keeping accounts open with a XXXX balance and removing them from the customer view ) and unnecessary risk being passed to consumers.
For now, the branch has acknowledged that account was closed. They seem to have no idea how the fraudulent transaction was not denied from the get go. As my wife closed the account months ago, so the card was cut up at that time also. Meanwhile the bank, although they acknowledge that we could not have made this transaction, have nonetheless charged our account with the full amount while they process their " investigation ''.
Now we are waiting for them to conclude their investigation while someone else holds our money in their account. All this while, only the bank 's dubious practices have allowed the fraudulent transaction to be conducted in the first place. It is a very sad place when the humble consumer has better risk management practices than one of the larger banks in the land.
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| 09/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month. I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %. Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( d, e, & f ) and continued to charge PMI.
Suntrust responded to my original complaint that my PMI dates are valid as in my original loan documents and refused to refund the erroneously collected PMI payments, but Suntrust was required to recalculate the PMI dates.
I was told by a customer service representative that the loan modification dept does not notify the PMI dept in instances of a loan recast so the dates are not automatically recalculated by the mortgagor.
This seems to be in violation of federal law and would indicate a systemic problem with the way the mortgagor services loans.
A recast is by definition, a loan modification of the payment terms.
Suntrust was required by law to recalculate all dates associated with PMI termination as set forth in 12 U.S.C. This recalculation of dates was not completed in violation of 12 U.S.C. Suntrust did not follow the HPA requirements as set forth in 12 U.S.C. United States Code, 2017 Edition Title 12 - BANKS AND BANKING CHAPTER 49 - HOMEOWNERS PROTECTION Sec. 4902 - Termination of private mortgage insurance ( d ) Treatment of loan modifications If a mortgagor and mortgagee ( or holder of the mortgage ) agree to a modification of the terms or conditions of a loan pursuant to a residential mortgage transaction, the cancellation date, termination date, or final termination shall be recalculated to reflect the modified terms and conditions of such loan.
Suntrust did not recalculate the dates as required by federal law which would have immediately caused the mortgagor to terminate the PMI upon executing the loan recast.
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| 11/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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We mortgaged our XXXX condo with SunTrust Bank in XX/XX/XXXX. We recently sold our condo on XX/XX/XXXX and during our closing proceedings it came to light that we owed the XXXX XXXX {$2600.00} in penalties and fees. This is money that we had no idea that we owed. We have always escrowed our taxes since mortgaging with SunTrust. We opened up an inquiry with SunTrust who told us that our Homestead Exemption expired and it was n't reflected in our tax bill -- only in a supplemental bill that was sent directly to us-the homeowners-and therefore they are n't responsible. We never received a bill and therefore have been accruing late payments and interest since XX/XX/XXXX. I can not fathom how, when SunTrust assumed responsibility for paying our taxes and then failed to pay them in full, they can not take responsibility for the penalties owed. If they have faulty reporting on their end, why is it our responsibility to pay what we do n't know we owe especially when we believe they are paying our taxes each year? I am totally astounded at the inability of the system whereby a huge bank and the government tax department can not maintain a system to keep things running smoothly. Why is the consumer being penalized for something that they were totally unaware of and something they thought was being handled by the bank they were paying to pay their mortgage? We are hoping to recover these fees since we do not feel we are responsible for them given SunTrust took over responsibility to pay our taxes when we escrowed them. They will not help us and only insist we were responsible. Additionally they keep telling us that they would have no way of knowing we owed more in taxes when the Homestead Exemption expired but should n't that have just been an increase on our tax bill that they would see whereby they could just pay more in taxes as they needed to on our behalf?
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| 09/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage company SunTrust, unilateral and unconsulted changed my interest rate of 2.75 % fix on my mortgage loan agreed, approved and signed under a Permanent Loan Modification from XXXX XXXX, XXXX, on the new following rates : - Since XXXX XXXX interest rate was changed from 2.75 % to 3.00 % - Since XXXX XXXX interest rate was changed from 3.00 % to 3.50 % and interest only mortgage was converted to Principal plus Interest - A letter received from SunTrust mortgage states that they will continue increasing my interest rate basis in a Margin plus an Index XXXX adjustable rate. ( totally against our last year agreement ).
I consider all SunTrust 's actions took on regards of my interest rate unfair and illegal, and base my statement on our mutually reached, signed and obligated to enforce agreement where clearly indicate of their paragraph XXXX ( c ) : " Under this Agreement, the Borrower 's interest rate for the remaining term of this loan will be 2.750 % '' ( attached you will find copy of my Permanent Loan Mod Agreement reached on XXXX XXXX In addition, I 'm attaching a copy of the recent mortgage statements received since XXXX that clearly shows SunTrust 's mistake incurred that made me overpaid my mortgage. By this mean, I formally requested a review of all previous mortgage interest calculated since XXXX XXXX, and an immediate refund of all extra payments charge as result of this interest increase since XXXX XXXX until XXXX XXXX. Also, I requested new mortgage statements for the month of XXXX XXXX and after using the right interest rate approved by 2.750 % according to our Permanent Loan Modification reached in XXXX XXXX.
I believe SunTrust should immediately respond and proceed to correct all their mistakes created against me, meanwhile, they should refrain to collect any mortgage amount different than the XXXX stipulated in our agreement.
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| 08/13/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Cashing a check
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Web |
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On XX/XX/XXXX, I visited my local Suntrust bank branch to cash an insurance check for damages to my home. Suntrust was listed as a co signer on the check for {$22000.00} as I currently have a home equity line of credit with them. They have now had held this check going on four weeks with the exception of a small payment of {$5000.00} being released just this past week. Three weeks after the check was sent in and not even a XXXX of the total amount of the check. I was just notified today that it will be another XXXX days before any more funds are released to complete my repairs on said property. They sent someone out to my home today to do the physical inspection to ensure the work is being done to code and being completed. This individual had no physical ID, credentials to identify who he was and he was not even an employee of Suntrust bank but a sub contractor. He only took photos and left.
In addition, Suntrust is refusing to release the last of the funds until project is complete. I can not complete the project until they release the funds so I can pay for the materials that will be required for completion.
Lastly, the lack of response from the XXXX XXXX XXXX department is unacceptable. As a customer, I was not given a direct number to this department, an email address or any other avenue to communicate with this department directly. The response time for this process should be no later than 48 hours from initial contact. I find the protocols for this criminal. Suntrust has held my money way too long and if it continues the way it has been it will be a two month process or longer. I am forced to self fund this project because Suntrust will not release the funds and has no sense of urgency to do so. Withholding the funds for this long should be against the law. It is not Suntrusts money to keep and they are holding money XXXX for their benefit.
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| 03/22/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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SunTrust Home Equity line of credit keeps reporting to XXXX and XXXX bureau wrong information about the original date to when my case was opened. The date reported is wrong, and even though my lawyer keeps writing them letters about what they are doing wrong ; SunTrust keeps sending letters to me about the same case all over again. My case was opened and reported in XXXX, XXXX, but it was sold since XXXX, XXXX. I had sent several letters to this company telling them about the right date and about the closure of this case. My prepaid legal services in Florida has been sending to XXXX and XXXX letters to fix my credit, and to report the accurate information with the correct date it was opened and reported. SunTrust equity line of Credit said they will fix it but all they do is send letters with the wrong date and nothing gets ever done. Instead of sending the right date, they just write the same date that my prepaid legal services writes in the letters they send there. This account has been sold and reported lost since XXXX XXXX. This entire situation is ruining my credit, and I am getting tired of receiving these letters. I keep receiving letters about my case and how is reported in XXXX ( this is not accurate since it was reported in XXXX not XXXX ). This case was reported about seven years ago and it should already be solved. This case had also been reported to the IRS and they decided to close the issue. I do n't understand why this is still permanently on my credit. They should either remove it completely or have the case with the right date and information. I want to do some things with my credit such as buy a house, but I ca n't do that because of this issue that is holding back my credit. This is a violation and is of customer right to the and unaffair resolving of credit. I would like for this problem to be solved as soon as possible. Thanks
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| 09/24/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Deposits and withdrawals
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Web |
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I received an Invoice from XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX, PHONE XXXX XXXX XXXX, FAX XXXX XXXX XXXX with the invoice number XXXX on the XX/XX/XXXX, in respect of shipping XXXX XXXX XXXX to XXXX XXXX and the amount due for the shipment is {$2800.00}. The banking detail information shown on the invoice is SUNTRUST BANK, XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX, XXXX. XXXX, ROUTING XXXX, BENEFICIARY NAME. XXXX XXXX XXXX. On XX/XX/XXXX at about XXXX I went to SUNTRUST BANK located at XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX and made a cash deposit of {$2800.00} into the account information above. On calling XXXX XXXX XXXX XXXX for the confirmation of my payments, it was cleared that the invoice send to me via email has been hacked and the banking information modified. I quickly rushed back to SUNTRUST bank about this circumstances. After series of telephone conversations by the cashier who received the money from me, I was asked to come the next day which I did and nothing significant came up and I was asked to come the next day again which I did and it was that day, they said I should go to the Police for compliant. I went to the Police nearest to the bank, the officer at the counter said for the fact the I am residing in the county it 's the duty of the county police. I went to XXXX county police department and laid my complain. And this is the incident report number XXXX. I took the report to SUNTRUST bank with the hope that the report will oblige them to let me have my money back. They simply told me that they do not have the power to refund that money back to me.
XXXX XXXX XXXX XXXX denied knowing the account information on that invoice that was send to me via their email. Please, kindly use your good office to intervene for me to enable me get my money. I have the deposit slip with me and the invoices from XXXX XXXX XXXX XXXX.
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| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
Servicemember |
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I am currently a Suntrust Customer.
On XX/XX/XXXX my XXXX XXXX XXXX Retirement was deposited.
On or about XX/XX/2020 I had some movies that were over due with XXXX XXXX which debited my account {$95.00}.
This started a down hill spiral with my account. Suntrust has let my account continue to have charges debited from my account even though the funds were not available in the bank account, Each time the paid a debit that I did not have funds sufficient enough to cover the charges. They paid them and charged me {$36.00} each time, These transactions they paid even with the funds not being available, Has now cost over {$280.00} in total fees they have charged me. Not a single text or phone call email NOTHING, to let me know the account was over drawn.
I went to the branch in XXXX NC Suntrust Bank XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX in Retail Banking she indicated that letters were sent out in regard to the overdraft, AS of XX/XX/2020 I have not received any letters in regard to my account being overdrawn.
This seems like an abusive practice to me, Why did they continue to pay transactions when the money was not in the account. This was 8 transactions from XX/XX/XXXX to XX/XX/XXXX.
I tried to file a compliant on the Suntrust On Line Compliant. After answering all the questions and submitting the form. The screen told me to call an 1800 # I called the 800 number, They left me on hold for 68 minutes trying to locate a supervisor. This was unacceptable for me to hold that long.
I feel Suntrust financially abused me and has taken close {$300.00} from my fixed income account and did so with out even a phone call! The lady XXXX told me they were not allowed to call me. This comment was a shock since they have called me in the past regarding purchases I made.
Thank You for any help you can provide in this matter XXXX XXXX XXXX XXXX
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| 11/20/2016 |
Yes |
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- Settlement process and costs
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Web |
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On XX/XX/2016 I was going to settlement on a beach property. My daughter and son work in XXXX and this would be my wifes XXXX summer there. Suntrust XXXX XXXX at XXXX we went to XXXX XXXX And XXXX XXXX was third party to over see signing. XXXX. XXXX told my wife an I we would not be going to settlement. XXXX said she did not have a disclosure from sale of my condo, taxes were not pre paid approx XXXX, and we owed XXXX XXXX XXXX and XXXX XXXX from were XXXX funds were coming from. After XXXX hours of calling XXXX XXXX in the Suntrust XXXX office she told me right away she was calling her legal dept. At Approx XXXX XXXX her boss and XXXX in XXXX Va did a XXXX way conference call. XXXX XXXX XXXX explained it was a problem. I needed XXXX approx in XXXX cashiers checks to close that no one told me about. Went I brought up the word Attorney Suntrust Bank XXXX XXXX and her boss hung up. XXXX at XXXX said XXXX XXXX I know who you are and Suntrust did you wrong. XXXX XXXX at XXXX XXXX said I have never seen anything like that. I then reached out to XXXX XXXX at Suntrust who offered me XXXX to close this issue. XXXX XXXX of the Suntrust resolution team offered me a XXXX in writing to drop it. I am out XXXX and XXXX at XXXX dropped her loan fees saying this was wrong. XXXX XXXX at Suntrust told myself and XXXX XXXX my partner they were wrong. XXXX XXXX phone XXXX. Also XXXX XXXX was my loan processor at Suntrust and on Tuesday at XXXX. she said she would have XXXX XXXX call me which never happened. This was the Tuesday prior to the Friday XX/XX/2016 settlement date. I found out later about the 72 hour no changes to loan law. Suntrust played me like a fiddle.
I need your help XXXX XXXX XXXX Suntrust offered me XXXX then XXXX to settle after this incident. They said I was approved to {$200000.00} and XXXX XXXX told me the settlement would be adjusted.
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| 08/03/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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Good Afternoon, Re : Marketing offer never received : 4 months ago I opened up an account in Suntrust Bank the location in XXXX XXXX, Fl It is near a place where I do contract work and they do direct deposit. I had an offer for a new account that offered {$200.00} after 90 days of opening a new account and having direct deposit and a min of XXXX the checking account would receive the deposit. I went over to the branch and asked if I can open the account or had to do it online. The lady that attended me said it was not problem. She said She would do all the paper work for me and after 90 days I would received the {$200.00} deposit.
Well its been 120 days now and I have asked and they are always giving me the run around. There was also a man complaining at the branch when I went also with the same issue.
I asked to speak with the manager but they would never let me talk to him. I called the XXXX # and put in a complain and they told me that I did not open the account correctly. I explained that the branch opened the account and I was told everything was fine no problem that I would received the {$200.00} in 90 days. I keep getting the run around, I complained again and was contacted by a lady named XXXX from the XXXX # and she explained that at the time I opened up the account 2 offers were going on. 1 for Branch and 1 for Online accounts. She explained that the manager would take care of this for me and I would receive my money since it was not handled appropriately. Since then the manager contacted me 2 weeks ago and said he was very busy and would call me the nest day. I have not heard from anyone and every time I call they are very unprofessional and give me the run around. I have other banks I use and I have never experienced this type of customer service before. I left several messages with the manager and never receive a call back.
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| 08/10/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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SunTrust took over the Mortgage Servicing of my mortgage in XXXX 2015. I got my first notice from SunTrust on XXXX XXXX, 2015, ( attached ). The previous mortgage servicer sent me partial information on the transfer before that. SunTrust also sent me a statement dated XXXX XXXX, 2015 stating I was Past Due {$570.00}, apparently for the XXXX XXXX payment. They said I needed to pay {$1100.00} to bring the mortgage current. I have no idea how they got that unless they were trying to collect the XXXX payment 29 days in advance.
I use an automatic Billpayer system for all my bills. SunTrust gets a check each month from my credit union. I 'm not sure why but unlike most of my other XXXX mortgages, so far the credit union is mailing vs. sending the payment electronically. It appears it is taking SunTrust 7-8 calendar days from the time the payment is mailed until they receive, process and post it.
As a result of this, while they are slowly processing payments, their computer starts making robo-calls to my home phone. Having received XXXX today, I got my recorder out and answered the third XXXX since my credit union shows the payment was sent on XXXX XXXX, see statement attached.
Eventually XXXX joined the call and I was told the call was being recorded for quality purposes. I told her that they were not authorized to make robo-calls and/or auto-dial me with a computer and to take me off that list. I 'm not she responded to that. She asked for more identifying information, my phone number, other phone numbers, etc. Eventually I told her I was recording the conversation too. At that point she told me I did n't have her permission to record the call. I told her they did n't ask for my permission when I was told they were recording the call so what did it matter. She said she could n't talk with me or something to that effect and hung up.
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| 06/14/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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I went to XXXX on XX/XX/2019 to see what personal loan offers were available for me, to consolidate some debt that I had with XXXX, Lightstream, and my credit card company. I put in all of my relevant information ( name, address, annual income ) and was presented some offers. Lightstream came up as the top offer, with a 6.49 % APR. I selected this offer by clicking " continue '' I was sent to Lightstream 's application page, filled out all of the appropriate information, and was notified that my application was being processed.
I was contacted that same day by a representative, who asked more questions about the purpose of the loan. I explained the three sources that would be consolidated. At that point the representative stated that it's a Lightstream policy not to re-finance their own loans. There was no reference of this policy anywhere in the application process. The representative stated that we could try for a lower amount, so we went ahead and excluded the Lightstream loan amount that I wanted to re-finance. At that point ( same day ), I received another email asking for additional documentation ( paystub ) which was used to verify my income. After verification, the representative told me I was being offered a 9.39 % APR, to match the one with my existing Lightstream loan. They said that if I could get a better rate somewhere else, they would match it, but that's it. At this point they had done a hard credit pull, which lowered my FICO score by 54 points. I no longer qualify for prime lenders to make competitive rates, and would be locked in to only accept Lightstream 's offer.
I consider this to be unfair, deceptive, and abusive practices. If this bait-and-switch hadn't been designed, I would have applied through other lenders that I would have been a good candidate for, before my FICO was lowered ( e.g. XXXX and XXXX ).
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| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I hav e $ XXXX + being held by Suntrust bank for nearly a month now. The funds were sent in via wire transfers and should have been made available immediately. They closed the account on XXXX XXXX , 2017 and still have not given me my funds. I called this morning and spoke t o 2 different individua ls, one a manager and was told th at they had no intent to send me my money. They said I needed to contact the financial institutions that initially sent the money. I asked what I was supposed to say as of course I had no account information and was n't their client. I asked where the money was that was received, NO ANSWER. I asked if she was insinuating they had returned the funds to the originator and if that is why she was asking me to call those banks and she said s he had no information regarding such.
I had a customer contact Suntrust 3 days after paying for an order and say they did not initiate the wire. I provided 30 or so pages of documentation and communication for over a month with 4 different employees from that company - AMPLE PROOF they did in fact send the wire - an email directly from the owner confirming that and could not get ANYONE in the fraud department to review the paperwork. The customer wanted to cancel the order which was fine but they lied and said the wire was not authorized. I will be happy to provide ALL of this documentation.
A suntrust Branch manager told me concretely MULTIPLE times th at any funds coming in would be disbursed at the time of closing the account. She said I would have a bank certified chec k within 5 - 10 business days. That money is contractually obligated. I must fulfill those contracts by XXXX XXXX , 2017 and they r eq uire a 4 week production time. Any and all Liability is now on Suntrust Bank. They are putting me out of business and CRIMINALLY STEALING MONEY.
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| 06/18/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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I have been trying to obtain a mortgage from a financial institution for over 3 months. In this time frame, they have requested irrelevant and personal information, neither of which pertained to my loan. I have gone above and beyond providing whatever they asked for to the best of my abilities until I had finally had enough and told them they were invading my privacy. I have an almost XXXX credit score and no debt on my credit report. I have been dragged along and promised on XXXX specific occasions that I was 100 % approved only to be followed by " and now we need this, BUT you 're still 100 % approved ''. I fear I am going to lose the home I am trying to purchase due to their outrageous demands for irrelevant information and being dragged along for over 3 months. If I choose to go with another lender, I will be out over {$18000.00} due to rates rising as well as the money I have put into all the appraisals and inspections I have already put into the home. Approximately a week and a half ago I was surprised with a call from the lender demanding I produce a document that the sellers claim does n't exist. It is a " XXXX road maintenance agreement '' and I was being forced to draw up a petition and have all my neighbors sign it and the purchase of this home I 'd like to buy is contingensign people I do n't know and that do n't know me signing this agreement. I do n't feel this is fair to place the fate of this home on my soon to be neighbors who have already supposedly not agreed to sign the made up form. I 'd like to report SunTrust for false representation and fraud and if they do not approve me after all this time and I 'll be out so much more money, I 'd like to some how getthat back as well to put towards my new loan. Time is of the essence on my loan given that my closing date is XXXX XXXX. Thank you for all your assistance.
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| 05/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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XX/XX/XXXX - opened account XX/XX/XXXX - received email confirming digital banking enrollment XX/XX/XXXX - received email ( included ) confirming promotion enrollment XX/XX/XXXX - received phone call from Suntrust to review account and verbally confirmed eligibility for promotion on phone with banker XX/XX/XXXX - received voicemail from XXXX XXXX ( XXXX ) as part of a three week follow-up XX/XX/XXXX - escalated issue to XXXX at SunTrust about missing promotion XX/XX/XXXX - XXXX followed up stating I was ineligible for promotion due to having opened account on phone XX/XX/XXXX - followed up with XXXX with information to contrary showing I didn't have any outgoing phone calls to SunTrust, instead had incoming call from SunTrust XX/XX/XXXX - followed up with XXXX, he was escalating internally XX/XX/XXXX - followed up with XXXX, no reponse XX/XX/XXXX - followed up with XXXX ; received response later in day that not eligible due to state of residence XX/XX/XXXX - sent letter to Office of President at SunTrust ; never received a response SunTrust has deceived me with promotional terms to open an account, deposit funds for a duration and perform certain transactions, then never fulfilled promotion and then change terms to avoid payment, as is evidence by the initial denial for bogus reason, then denying with a new reason. The included email proves I was eligible, as they had my information for 3 days before emailing me on XX/XX/XXXX for confirmation of promotion. If ineligible, then should have been notified then, not misled for SunTrust 's benefit. Suntrust 's failure to state ineligibility based upon state of residence while confirming enrollment is implicit acknowledgement of eligibility based upon all initial terms of promotion, except transactions which would have to be performed thereafter, and were all performed as required.
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| 12/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
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- Problem when making payments
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Web |
Servicemember |
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My elderly veteran father was taken to Suntrust Bank in XXXX XXXX, NC.
An approximate {$200000.00} line of credit was taken out against his free and clear house/property. The circumstances were nefarious, the moneys whereabouts suspect to date.
Someone set up a Suntrust checking account set on auto pay for approximately $ XXXX/mo to pay the note.
My Dad died XX/XX/XXXX. Someone fraudulently represented themself as his POA. They closed his account days after he died, then called the same local branch to inquire : How long will it take for the foreclosure to complete? They want the land.
I immediately began to contact Suntrust Bank by XX/XX/XXXX trying to make the payments until I could get get to the bottom of who issued the loan to an old man with a XXXX? I am the sole heir to my Fathers estate. Suntrust refused to speak with me, for several months. I recorded my interactions and the Suntrust runaround. Dads account was set up to go into foreclosure long in advance. Suntrust has a senior executive on the inside related to the person who closed the auto-pay account, for starters.
Suntrust sent third party scabs who demanded cash if I did not want foreclosure.
Suntrust then claimed to my attorney that I have always been welcome to make the payments. Suntrust still refused to accept my money.
Now? Suntrust has moved the account over to their Foreclosure specialist law firm of XXXX XXXX XXXX.
This foreclosure law firm claims the loan is 326 days past due, in foreclosure, and that I owe them for their legal fees, and {$10000.00} in interest, plus {$10000.00} monthly payments due to the late, foreclosure status.
These people should be drawn and quartered by the veterans association, and the feds for deliberately taking advantage of an elderly, XXXX veteran, and for intentionally forcing foreclosure proceedings to profit.
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| 03/02/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I had an issue with my checking account at Suntrust Bank and I went into a branch to resolve it. The personal banker said there was nobody there who could resolve the issue so I left and went to another branch location. At this location, both personal bankers had customers so I sat down to wait. When one of the customers left the manager walked out and took one look at me and then called the free personal banker into his office saying he wanted to show her something. When they went into the office I could hear laughing and joking while I waited. Both the manager and the banker are persons of XXXX. When she finally came out and I explained my situation to her she said " I cant help you '' and I asked to speak to the manager. He came in and told me " I cant help you and bad things happen to good people all the time ''. This is the branch manager.
As I was leaving the personal banker who was speaking with me walked around to the other desk where another personal banker was with a customer and they all looked at me and had a joke about my dilemna.
The situation was easily resolvable because, when I went to another Suntrust bank the person immediately resolved my issue and then gave me solid options including overdraft assurance, a credit card tied to the account and asked for a time I could meet with her about improving my credit card debt using a home equity line. So the issue was easily solvable but the initial manager and banker were unwilling to do so.
The treatment, the initial snubbing, the sarcastic comments and then the laughing about it afterwards with another customer lead me to one conclusion. I have been the victim of XXXX bias by a manager and personal banker from Suntrust Bank. In our country we should be well beyond the point where people are discriminated against due to the XXXX of their skin or ethnicity.
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| 12/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
Older American |
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My loan was sold to Suntrust shortly after we obtained it XX/XX/XXXX. Their service has been unremarkable until recently, when I received a XXXX page machine generated letter stating that my house insurance had lapsed and threatening to buy a policy at a cost of more than XXXX times the actual cost of my insurance if we failed to update them. The letter claimed a lapse " notification date '' of XX/XX/XXXX. My home policy anniversary date is XX/XX/XXXX. I received an invoice from the insurance company on XX/XX/XXXX or thereabouts and I actually paid the premium online on XX/XX/XXXX ... which came out of my bank on XX/XX/XXXX. Just to be sure that it had posted, I talked to my agent on XX/XX/XXXX and she validated that it was in the system.
The postmark on the letter SunTrust sent was XX/XX/XXXX. In Virginia they ca n't take any action until 60 days beyond lapse. Clearly they checked with my insurance company after the invoice date but before the anniversary date. Either it took them five days from the prodcution of the letter until it hit the mail ( incompetence ) or the letter was printed after the claimed notification date ( deceit ). They told me on the phone that they had checked with my insurance company before the letter went out. Either they checked before the actual due date and did n't check back on XX/XX/XXXX ( incompetence, deceit, or both ) and the sent the letter without thorough checking officially putting the burden on me to send proof of payment ( bad customer service ). And they have incurred unnecessary costs on ther off-chance that they will be able to charge way above market rates in the -- most likely -- few cases where there is a lapse that is not remedied within the statutory 60 days ( predatory business practice ). I am going to complain to the XXXX ... and the Consumer Financial Protection Bureau.
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| 06/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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Web |
Older American |
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I have had a continual problem with my current mortgage company year after year attempting to force outrageous homeowners insurance on me, while have had continuous good coverage with XXXX. Come tomorrow I will be contacting my State Insurance Commissioner and the CFPB to determine if it is XXXX or Suntrust Mortgage which is responsible and/or co-responsible for my last three years of TORMENT BY FRIVOLOUS & IMMEDIATE FINANCIAL THREAT.
For the last three years I have made calls to XXXX XXXX to change my mortgage supplier to Suntrust Mortgage, Loan : XXXX All three years I made calls to Suntrust Mortgage to get automatic exchange of information. They said it was MY problem and refused to contact XXXX for any updates.
I have years in a row spoken with XXXX staff to HAVE THIS CHANGED ON THE DECLARATIONS PAGE. YOU HAVE THUS FAR REFUSED TO DO SO YEAR AFTER YEAR. Each year I GET FINANCIAL THREATS BECAUSE OF THE FAILURE TO TRANSFER MY MORTGAGE HOLDER.
I DID NOT REQUEST A CHANGE IN MORTGAGE HOLDING. IT WAS DONE WITHOUT ANY REQUEST BY ME!!!
XXXX or XXXX of you incompetent financial companies is responsible for my distress. What if I was on vacation or in the hospital for a couple weeks. I WOULD HAVE BEEN ILLEGALLY SADDLED WITH AN EXPENSIVE AND SUPERFLUOUS HOMEOWNERS POLICY.
Suntrust says I am responsible to provide the missing information, but they bought the mortgage from XXXX XXXX with nary but a XXXX paragraph letter after the purchase fact.
XXXX year after year will call Suntrust ( after I have provided the phone number ), but never changes the Mortgage Holder on the Declarations page, causing this to be a repeating CATCH-22 financial threat. I need to know which party or both are responsible for what I believe to be an illegal financial threat and potential immediate illegal action against me.
PS. GOD BLESS XXXX XXXX.
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| 12/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My property was flooded on XXXX XXXX, 2016. An insurance claim was immediately filed. After waiting several weeks for the insurance company to process the claim, I signed a contract with a General Contractor to begin making the flood repairs. The contract requires me to pay in installments. I have already paid the contractor {$32000.00} out of my own pocket, requiring me to withdraw funds from my investment accounts.
On XXXX XXXX, 2016, I finally received the insurance settlement check of {$57000.00} and immediately forwarded the check registered mail to Suntrust Mortgage. Confirmation was received that the check was received on XXXX XXXX. Additionally, all required supporting documentation i.e., proof of payment documents, proof of loss, XXXX, Waivers, etc., were uploaded onto the Suntrust website, well in advance of mailing the settlement check. I have spoken with Suntrust Insurance Department Representatives on a daily basis and was assured all necessary documents have been received and approved. On XXXX XXXX, I was told a check was being overnighted via XXXX XXXX, to be received today, XXXX XXXX.
On XXXX XXXX, when calling to follow up on the check which did not arrive, I was told it is being held in the Processing Dept. The representatives indicated they were unable to contact anyone in the Processing Dept. No one was able to tell me if or when I will be reimbursed. I can only assume Suntrust is holding the entire amount in an escrow account?
With the contracted repair work now approximately 75 % complete, the contractor is now due a third installment to finish the job. For the third time, I am forced to make a sizeable payment out of my own pocket.
The home is valued at approximately {$370000.00}. The mortgage with Suntrust is only {$83000.00}. My financial interest in this property exceeds that of Suntrust.
|
| 03/06/2018 |
Yes |
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- Trouble during payment process
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Web |
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Our firm, XXXX XXXX, XXXX, has been monitoring our client 's request for release of property insurance funds issued for damage repairs that began in XX/XX/XXXX and worsened in XX/XX/XXXX after Hurricane Irma. Checks issued to my client in XX/XX/XXXX and XX/XX/XXXXby her insurance company are currently being withheld by Suntrust. Our firm recently became involved in this case and became aware of Suntrust 's refusal to act diligently and adhere by both the Mortgage and FHA guidelines requiring the release of funds for the necessary repairs.
In XX/XX/XXXX, my client received the first check from her insurance company for water damage repairs that required it be endorsed by both her and her servicer, Suntrust. At the direction of Suntrust, she submitted all the necessary documentation along with the check. However, every time my client would call to follow up on the status of the release, Suntrust representatives claimed there were no documents received and requested my client resubmit them. Despite repeatedly resending the documents, Suntrust continued to deny any receipt of documents and/or record of the claim, eventually closing it out. Most recently, the damage was worsened by Hurricane Irma and my client received another check from her insurance company for additional repairs. Suntrust again instructed she mail a package of documentation along with the check. Suntrust engaged in the same pattern, claiming not to have received the documentation, and again closed out the claim without any further contact ( Screen shots reflecting documents received and now reflecting closed attached ).
I have contacted the servicer 's counsel regarding this issue, however have yet to receive a response from Suntrust. Suntrust continues to withhold the funds without providing any meaningful explanation for there bad faith actions.
|
| 12/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2018, I was informed that Suntrust reported to all three credit bureaus that I was 30 days late on my car payment in XXXX. I have never been late on my car payment with Suntrust in 5 years. My last payment to Suntrust was in XXXX where I made two payments. One was my regular payment and the second payment was a payoff. It was reported on my credit reports that I paid " on time '' every month for 4 years and 11 months. But in XXXX, when I made 2 payments, and paid my car off, Suntrust reported me as being 30 days late. The month before ( XXXX ) is reported on time, but the month after, which is the last month of my payment was reported 30 days late. This is impossible. I've never received any notices about being 30 days late because I've never been 30 days late. I've only received a Congratulations Letter, You have paid off your car loan with Suntrust. '' Suntrust 's error has negatively impacted my credit score by 46 points and I have worked extremely hard to maintain good credit. This is not my first occurrence with Suntrust 's banking error. Suntrust added a car loan belonging to someone else in the amount of {$30000.00} to my existing loan with them. It wasn't until I went online to pay my car note, that I noticed it. It took several months and hours on the phone with Suntrust trying to resolve this error. Just last month, I received letters from Suntrust saying that they were repossessing my car when my car was paid off! I also received notices from the US Postal service stating that this was their final request for action. I an now experiencing yet another one of Suntrust 's errors! I am currently dealing with death in my family, and this is added stress. This is poor customer service and substandard customer care. Is this how valued customers are valued? The victimization by Suntrust has to stop.
|
| 02/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I knew I was going to have reduced income so in XX/XX/XXXX, I applied for a reverse mortgage with Open Mortgage. I was approved, but there were a couple of hurdles, including a judgment by my mortgage holder in addition to my mortgage - I had sued them for refusal to abide by a loan mitigation agreement.
SunTrust entered into a stipulation with HAMP over predatory lender practices in XXXX. In XXXX, HAMP sent me a check for over {$18000.00} and sent my wife 's estate a check for over {$18000.00}. HAMP also arranged to release the second mortgage worth {$60000.00} and a reduction in the first mortgage of interest and penalties. Unfortunately, the settlement came after I had already sued SunTrust for the very things SunTrust later paid in damages.
I wrote to SunTrust Mortgage in early XXXX to resolve the issues and at the same time Open Mortgage tried contacting SunTrust Mortgage to get a pay-off. Neither of us were successful. Finally, in late XXXX I got someone to call me back with a pay-off on the mortgage, but they could not help me with the judgment so he passed me on to someone else. I made a written offer to resolve both the pay-off of the mortgage and payment of the mortgage. The woman i talked to on the judgment got the judgment reduced, but could not tell me how long the offer was open, would not put the offer in writing and advised me she could not concluded an agreement for the mortgage and the judgment. She was unaware of the alternatives I had offered over a month prior too and said she had no authority of negotiate, but also refused to hand me off to someone who could help with both issues.
I have been waiting months to get this resolved, and have not got any cooperation from my lender. SunTrust 's delay has put my reverse mortgage in jeopardy. I have advised them of this, but still nothing.
|
| 12/23/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
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Web |
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XXXX XXXX - Fraudulent transaction attempted with my credit card account at XXXX in XXXX, Georgia -- card was previously issued with security chip, and fraudulent transaction attempted with card not containing a chip - this attempted transaction was declined by the merchant - a second attempt was then made with a " card not present '' transaction at the same location - this transaction was reviewed by SunTrust Visa credit card fraud desk and approved by them without contacting me XXXX XXXX - I notice the charge on my account and call the credit card company to dispute the charge - on XXXX XXXX, I receive a credit for the amount after having filed a signed affidavit XXXX XXXX - SunTrust hard posts the amount to my credit card account with no explanation - I dispute the transaction again, and they close the dispute claiming that it is a duplicate of the previous dispute XXXX XXXX - I go to the SunTrust branch where the very professional and helpful banker calls the credit card service desk on my behalf to determine why the transaction was posted - after asking the same question at least 5 times and speaking to XXXX different people who barely speak XXXX, it is finally explained that XXXX " provided sufficient documentation that the transaction was valid '' - this documentation was not provided to me, nor did the bank communicate to me without my spending hours on the phone and at the bank branch trying to learn what was happening - the bank claimed that the purchase was " in my normal pattern of spending behavior '' ( ignoring the fact that the transaction in question was at a location where I have never been, was originally attempted with a card with no chip when the bank had issued a chip card to me, and was subsequently processed in a " card not present '' situation and processed by SunTrust fraud services )
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| 07/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I have been banking with Sun Trust for 30 years and was scammed XXXX thru XXXX and investment property. They set up websites and local law enforcement have tracked them to overseas and the states thru checking accounts with XXXX and XXXX XXXX. Both XXXX and XXXX XXXX have blocked all attempts to retrieve my money. XXXX XXXX will not answer the phone and could careless while XXXX says I have no recourse. I have accounts in all 3 companies, so basically they would rather harbor criminals that have violated the Patriot Act than help their own customers. I do not want the names of these people although they should go to prison but want these companies to investigate because someone came into their banks and opened checking accounts and committed fraud. I submitted paperwork to FBI but that was a joke. Secret Service says the case has to be XXXX before they can investigate. Local law enforcement does not have the time or expertise to track the case so we go to court soon. All I asked was for my company Sun Trust to perform a recall request on my behalf to no avail. It has been a year and they lied to me verbally and in writing thru the executive team saying they had performed the recall so the other banks would investigate. I tried to settle with the banks professionally but they would rather harbor criminals. I am in the process of going to court with all 3 companies so they can explain why they did nothing. My family, job and marriage was threathened if I went to the police they even said they would say the XXXX was for XXXX XXXX and to XXXX my wife. It is in the 383 pages of documents I submitted to the police. I am in the process of writing a book on the incident and using XXXX XXXX foreclosures to pay for ghost writer, court costs and private investigator. If this happened to your family what would you do?
|
| 03/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
Older American |
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I filed a claim about SunTrust forcing me to pay a home inspection fee to have my PMI dropped even though my balance to original value had reached 78 %. They ignored this and forced me to pay {$450.00}. CPFB became involved and resolved issue and {$450.00} was returned.
HOWEVER after thinking the problem had been resolved I received another letter dated XX/XX/19 stating that a {$450.00} appraisal fee was assessed and charged to my account. I was stunned, frustrated and at this point lost all faith in SunTrust and its ability to manage my loan without errors. I called The Executive Services Dept. The dept. that sent me the original letter dated XX/XX/19 saying the issue would be resolved and funds returned to me. I spoke with a man named XXXX XXXX who promised to get back to me to resolve this new issue. He NEVER bothered to return my call.
I expected the new mortgage payment to reflect the removal of {$58.00} PMI amount. That occured for one month and then the payment went up higher than it had been while I was still paying PMI. I was told something vage about 'projections ' as well as an escrow shortage of {$450.00}. They have been aware of the change of insurance carriers for 3 weeks now which will result in a lower insurance rate by {$160.00} per year or {$13.00} per month. ( I have heard nothing from them ) AT THIS POINT I do not trust the lender to be providing me with an accurate accounting of what I actually owe monthly. Trying to resolve this myself when my calls are not returned leaves me no alternative but to contact CFPB again about SunTrust. I am a XXXX senior living on a fixed income, so significant increases and alleged monies owed with no solid or specific explanation much less this continued {$450.00} problem and being ignored have all caused me no small amount of frustration and concern.
|
| 07/31/2017 |
Yes |
|
- Struggling to pay mortgage
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|
Web |
Servicemember |
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On XXXX XXXX, 2017 I fell behind on my mortgage payments in the amount of XXXX XXXX because of an increase in my monthly HOA dues and a temporary reduction in my household income. On XX/XX/XXXX, I submitted an application to my lender, Sun Trust Bank requesting options that might be available to help assist me with bringing my loan current. I asked the bank if they could temporarily give me time to pay my monthly payments and if they were willing to forebear some of delinquent amount until I am able to bring my account current. In the interim, the bank continues to charge me late fees and other assessments thus making it harder for me to catch up. It is has now, XX/XX/XXXX, nearly 90 days and the bank has n't offered an alternative resolution or any assistance. Instead, I have been getting the runaround from its Home Preservation Department ; they are ones responsible for expediting my paperwork. They constantly make threatening and harassing phone calls and keep telling me documents are missing from my file and it is incomplete. I continually keep submitting and resubmitting the same documents over and over. It is becoming a never-ending paper chase. When I ask to speak to a supervisor I am told I have to wait 24 hours for someone to call me back. I have n't been able to reach a supervisor and one has not returned my calls. I would like for someone from the bank to explain why my paperwork keeps getting lost and why my documents are not being uploaded and put into my file for review. On XX/XX/XXXX, I spoke to a representative, which I will refer to as badge number XXXX. I have attached the following documents that the bank claim they are in need of along with my complaint. I 've also sent a copy of these documents to the Home Save and Debt Counseling Specialist with which I am working with at XXXX.
|
| 03/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
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My XXXX XXXX account was compromised and a fraudulent charge was made for the amount of {$820.00}. I noticed the charge because I got an email from XXXX XXXX authorizing the charge at XXXX XXXX. I did not see the email until XXXX XXXX. This individual did not have to use my security code on my debit card or use my pin and was able to send money to a different country. The charge was made at XXXX XXXX and the person who picked up the money did so at XXXX XXXX. I do not know the person who picked up the money. I had no way of fighting this charge or preventing this from happening since it all happened within 20 minutes while I was asleep. I did not check my email that day until XXXXXXXX XXXX when I was at work. But I immediately called XXXX XXXX to file a complaint.
I filed a dispute with XXXX XXXX. - Pin Code= XXXX - Complaint ID = XXXX. They immediately closed my account. As you can see based on the attachment : The individual changed my profile and sent the money.
At XXXX, I changed my password to my XXXX XXXX account upon realizing it has been compromised. My XXXX XXXX account was then de-activated.
I also filed a complaint with suntrust and they are refusing to give me the money back and i am extremely upset. I did not even have enough funds available in my account and the transaction went through so I had to transfer funds to avoid overdraft fees. Suntrust should not allowed the transaction to go through.
According to FTC, If someone makes unauthorized transactions with your debit card number, but your card is not lost, you are not liable for those transactions if you report them within 60 days of your statement being sent to you. I reported this the same day within hours. I contacted Suntrust Investigator XXXX at XXXX ext XXXX to get this resolved. He never picks up or returns my calls.
|
| 02/28/2017 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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On XX/XX/XXXX, a merchant presented an electronic funds transfer ( EFT ) charge to withdraw money from my checking account using my debit card number. This charge was presented without my knowledge or consent and was not accompanied by a signature or PIN input.
The amount of the withdrawal ( {$1600.00} ) exceeded the amount in my account. In spite of this, bank personnel put the charge through causing my account to be overdrawn. SunTrust offers overdraft protection but I elected to decline this service, preferring that SunTrust decline any transaction for which funds are insufficient. This agreement has been on record in my customer profile since XX/XX/XXXX.
I incurred overdraft fees and authorized charges were declined. A few days later, the entire balance in my savings account was taken without my knowledge or consent to partially cover the overdraft. Subsequently, a {$500.00} credit in my charge card account was taken as well. Later, when it was time to renew my charge card, SunTrust declined to renew the charge account even though the account had a positive balance from the day it was taken out. I have been attempting to regain my charge card ever since, most recently when my XX/XX/XXXX application was declined on XX/XX/XXXX. I have been told that this may be due to " overdrafts '' showing on my account. The only overdrafts on this account were due to the fraudulent withdrawal on XX/XX/XXXX. SunTrust was notified in a timely fashion of this incident and, per bank procedure, a notarized affidavit was submitted to SunTrust fraud department on XX/XX/XXXX.
The only party acting irresponsibly in this affair is SunTrust Bank. I am asking them to reinstate my charge card and to expunge any negative credit information referable to this incident. Thus far, SunTrust has been unwilling to do either.
|
| 12/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
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Web |
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XX/XX/2018 - Received an email from SunTrust stating that " If you had a previous userID and password, it will not work in Online Banking. You must enroll as a new user at suntrust.com to continue to access your mortgage online. To create a new userID and password, locate your mortgage account number on your statement, then click here and follow the on-screen instructions. '' XX/XX/2018 - I called SunTrust to confirm voice-to-voice that this eamail wasn't a phishing scam. Was told it was valid.
XX/XX/2018 - Called SunTrust customer service again because when I clicked on the XX/XX/2018 email, where it stated to " click here '', the response was " Unsecure site ''. So, I needed confirmation on how to receive a secure site to follow the instructions in the XX/XX/XXXX email.
XX/XX/2018 - Called SunTrust to get information and help. Customer service person said she'd walk me through it. She walked me through it and was unable to get new ID and password because computer screen said I was already signed up on online banking. Customer service person said she'd have to transfer me to another department.
From day one, when my mortgage was transferred from XXXX XXXX to SunTrust I've had nothing but horrible service. Last summer I signed up for electronic statements ... nope still getting paper. It takes a complicated and time consuming effort to reach customer service, only to be placed on hold. Why does it take an hour to try to get answers to a customer 's questions? Horrible customer service.
I want my mortgage loan transferred to any other possible loan servicer. I don't have the time to deal with Suntrust incompetence. I feel it's deliberate to keep customers in the dark on their finances. Every other loan servicer has been able to answer my questions and provide an easy to use online service.
|
| 06/10/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I had a Line of Credit with Suntrust for many years. After moving to a state where Suntrust is not located, I quit using the account but maintained it as open paying a {$15.00} annual fee. I had never missed a payment.
This year, I tried to make that payment but had no record of the account number. I called Suntrust for help, but the person receiving the call could not help me find the account. If I had received a paper bill, I would have paid it again.
Unknown to me, the bill went past due and Suntrust ruined my credit score ( XXXX to XXXX ) by sending in credit info that says it " was seriously past due ''. They made no attempt to remind me of it being due. It was a {$15.00} annual fee, not credit extended to me.
I filed complaints with XXXX, XXXX and XXXX with no satisfaction. I have copied and a certified letter reciept where I sent payment and asked to close the account. They closed the account under the " closed by lender '' classification.
My complaint is that I reached out to Suntrust to pay the bill when I was finally notified of it. Their Customer Service department could not help me. If I had been notified earlier, or by mail, it would have been paid. I never missed a payment for more than 10 years. This type of late payment should not ruin my credit, no distinction is made on my credit report that this is an annual fee or that they didn't notifiy me, or that I called to get help paying it after I was notified.
I want my credit report to be corrected to Pays as Agreed and closed by account holder. I will not let it go as it ruined a credit score I spent years developing and will cost me interest in new loans going forward. Advise them I am planning a lawsuit for damages incurred.
See attached. Even at my written request to close the account, I am still getting statements.
|
| 06/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, XXXX, I checked my banking activity online and noticed several transactions that I did not recognize. I phoned the SunTrust to report this but live phone representative hours were closed. Afraid that someone may have accessed to my debit card details, I went to the nearest Sunburst and pulled out the largest amount ( {$340.00} ) I could. I tried again the next day ( Sunday ) and found that the bank phone hours were closed but followed the prompts and got a live representative to file the transactions fraudulent and to close out the debit card.
The representative sent me a Affidavit of Fraud to fill out, sign, and return. I did that, signed on XXXX/XXXX/XXXX, and faxed over on XXXX/XXXX/XXXX at XXXX to the fax number provided.
On XXXX XXXX, XXXX, I received a letter dated XXXX/XXXX/XXXX from SunTrust that they were closing the account. I did not understand why nor were they willing to provide me with a valid explanation. Later, I found that they denied my claim of fraud. I asked them why and representation would not tell me and said I could send in a rebuttal form. I requested that they send all information on the case along with all documentation and reason for their decision and also that they send me a rebuttal form. I have sent the rebuttal form and have not heard back from SunTrust since.
I have not received any documentation on the reason why or any such documentation pertaining their decision. After going through old documents, I found all the documentation that I submitted and realized nothing was sent to me in regard to their decision. I called SunTrust on XXXX XXXX, XXXX to request an update. Found out they had closed it out. I have filed a police report with XXXX Police Department ( Report Number XXXX ) and XXXX County Sheriff 's Department ( Report Number XXXX ).
|
| 06/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
See attached Florida case law. The Statutory presumption in section 673.3081 ( 1 ), Florida Statutes ( 2008 ), provides the following : " In an action with respect to an instrumen, the authenticity of, and authority to make, each signature on the instrument is admitted unless specifically denied in the pleadings ''.
On XX/XX/XXXX, XXXX XXXX, filed a foreclosure action. In support of their action, the promissory note containing an allonge was attached to the complaint. In XXXX XXXX XXXX v XXXX XXXX XXXX XXXX XXXX, a homeowner challenge the allege signor to the allonge filed. The court concluded that the defendant have every right under Florida Statute 673.3081 ( 1 ), to challenge the signature or any endorsement, allonge reflected on the instrument. Therefore a homeowner has every right to request any information pertaining to the signature on the instrument.
On XX/XX/XXXX, A qualified written request under section 6 of the Real Estate Procedures Act ( RESPA ), was provided to Suntrus. The servicer replied by stating that the information seeking is considered confidential. I disagree and the Florida section 673.3081 ( 1 ), also disagrees because the information seeking pertains to a signature on the promissory note. The question is not confidential because we are NOT seeking private information as to the allegesignor place of birth, home address NOR her phone number, but simply the following questions that do pertain to the signature on the instrument. The question is as follows : 1 ) is XXXX XXXX an employee of Suntrust mortgage Inc? If yes, when did her employment start and ended? 2 ). Is XXXX XXXX a representative of Suntrust Mortgage? 3 ) Is XXXX XXXX authorize by suntrust mortgage to sign endorsement, allonges? If yes please provide corporate resolution redacting her signing power.
|
| 11/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Good Morning CFPB, My wife and I used SunTrust Rewards to book hotels in XXXX XXXX, Nevada and XXXX XXXX, South Carolina on XXXX/XXXX/2016. The reservation for XXXX XXXX was excellent, and we even called back to have our room upgraded. The reservation for XXXX XXXX has been a total nightmare for us. We have spoke to the same supervisor twice concerning our reservation. She continually informs her customers that they are incorrect, because she listened to a recording between the technician on duty and XXXX XXXX XXXX. The supervisor never offered too allow us the opportunity to listen to the tape ; however ; she consistently informed the customers that we are wrong. I am simply asking that my reservation on XXXX/XXXX/2016 be modified from XXXX villas to XXXX villa with XXXX bedrooms. We have spent many hours trying to rectify this problem with XXXX and SunTrust. We have come to the conclusion that we will eat the additional {$520.00} for a villa that we do not need ; however, we will discontinue all services at SunTrust. We have been loyal customers for over 22 years, but we will be moving all services to XXXX XXXX if we can not resolve this issue with SunTrust Rewards. We spend thousands through SunTrust Rewards every month, and we are dissatisfied with the service that we received from SunTrust Rewards management. They made a correction to my XXXX XXXX trip ; however, no correction can be made to our XXXX XXXX trip. We are tired, and we deserve better. Bottom Line is We are totally dissatisfied, and we will transfer all accounts if this problem is not rectified in a timely manner. We are considering talking to the XXXX concerning this issue. Our next letter will be directed to SunTrust Board of directors if this issue is not resolved in a timely manner.
Respectfully, XXXX & XXXX XXXX XXXX
|
| 11/20/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
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|
I had intended to purchase furniture from XXXX XXXX XXXX ( XXXX ) XXXX. XXXX. XXXX with XXXX Invoice No. XXXX XXXX for USD XXXX. Of which, I had remitted 30 % Advance of USD XXXX to XXXX XXXX XXXX XXXX ( Account No - XXXX Swift Code - XXXX ) with Balance amount of USD XXXX. And, the Material was shipped with Invoice No XXXX Dt XX/XX/XXXX.
As a regular process, I verified the soft copies on Original Documents & was about to transfer the balance amount. By then, I received a mail from the supplier to make the Balance Amount to another Bank account.
I made the Balance Transfer of USD XXXX to Suntrust Bank with Account No.XXXX & Swift Code XXXX ( Transaction reference no. XXXX Value Dated XX/XX/XXXX - related reference XXXX ) While confirming the receipt of balance amount, the supplier have informed us that the account on which we have transferred the amount does n't pertain to them.
Having doubted, I personally visited the supplier in XXXX. And the supplier had confirmed that they have only one bank account ( to which I had made the Advance Payment and they do n't have any account in US ). Also they have confirmed that the new intercepted mail ID does not belong to them.
Then we found the mail we received with the bank details to transfer the balance amount was from some fraudster, This mail ID looks very much similar to my supplier mail ID. So it is now clear, that the New Mail ID & New Bank account is a fraudulent one & it is in no way belong to my actual supplier.
Then we have initiated to recall the wire transfer through our remittance bank. But the Receiving bank have confirmed through swift message " Funds are not available for RTN We close our files '' With all the above details, we have mailed SunTrust Bank Fraud Dept. For which we have n't received any communication till now
|
| 09/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
Older American |
|
Two weeks ago I opened an account with Suntrust bank online. The {$100.00} initially deposited was returned. I also deposited a {$490.00} which was also returned. When I attempted to use the online app I instructed to call the bank which I did. I was informed that the account was closed that was on XX/XX/2019. I immediately called social security regarding my direct deposit to this bank. I was informed that they would not be able to re-route my check, however if the account is closed it will be returned to social security and they would then be able to route it to a different account. On XX/XX/XXXX I received a new PIN number for a new debit card that was on the way. On XX/XX/XXXX I received the debit card and activated it. I called the bank and was informed I did have an account and that my social security deposit would be available on XX/XX/XXXX. Today I contacted the Suntrust bank and was informed that I would not have access to the funds. The funds were verified that it was at the bank. They informed me that when they decide to close that account again I would receive a check in 7-10 days. Im retired and use my monthly check to pay my rent. If I am unable to access my funds that they are holding I will be unable to pay my rent and will be evicted. I called Suntrust back and asked to speak to a supervisor. He informed that they did in fact have the funds. I asked if I would have access to the funds on XX/XX/XXXX. I was informed they couldnt say for sure. Im in desperate need of my funds and Suntrust is not able to give a yes or no answer and suggested I contact them on XX/XX/XXXX.
I do not see any reason why I can not access funds that they are holding. Suntrust does not seem to know whats going on or when I will receive my funds. Im begging for immediate assistance in this matter.
|
| 07/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I attempted to deposit two checks through SunTrust 's mobile deposit on their app on XX/XX/19. I was immediately notified of a hold being placed on one check, a personal check. For the second check, a cashier 's check, I received an email saying it would process on that same date, XX/XX/19. My account was frozen the next day and with no notice to me. I called them the following day, XX/XX/19, to inquire why I could not access my account and they told me it was under review and that they could not disclose any other information but I should get a letter in the mail. The next letter I got in the mail was in reference to the two checks and it told me those funds were both subject to hold but would be available on XX/XX/19. On XX/XX/19 I called again to find out the status of my account and was told it was still under review. I spoke with someone on XX/XX/19 who informed me my account was closed and they had mailed a check with my balance and that balance did not include the two checks that I had attempted to deposit through mobile deposit. I was told those checks were still on hold because of suspected fraud and they did not have a time those funds would be released but it could be months later. I asked them to attempt to get a better idea of how long it would take and she said she would try to pass that request along. I called again on XX/XX/19 to see if there was an update on my two checks and there was not. Also this supervisor told me this could take up to a year to resolve and once this had been passed on to the fraud department it did not have to be within the 9 days laid out by the Expedited Funds Availability Act. These two checks are under {$1000.00} each and it has been 17 business days since my attempted deposit and 11 business days after they said the funds would be available.
|
| 10/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
First off, I would like to state that I am a XXXX XXXX who is currently unemployed due to a layoff. On Friday, XXXX XXXX, 2017 ; to my knowledge, my account was at a XXXX balance. I made a conscious decision to overdraft my account to pay for parking ( D.C. Parking mainly accepts card transactions ) in order to attend my volunteer position. After I completed my duties, I decided to submit {$5.00} to pay for my parking in order to avoid any overdraft fees. At this moment, I realized that there were some fraudulent activities on my account which caused my account to go into a negative balance which also included SunTrust overdraft fees. Immediately after, I called the bank to inform them of this activity and notified them that I made a transaction prior to knowing what was taking place with my account. The bank then informed me that they would look into the fraudulent charges and assured me that I would not get any additional overdraft fees for my parking charge. After about 5 business days had passed ( the estimated time told to fix the fraudulent activity ), I called for a follow up. The bank then told me that I was misinformed and that I am liable to pay the fees. Thus, I complained again. SunTrust told me, since I was misinformed they needed to have their research team clarify the recording in order to lift their fees off of my account. As a result, the banks research findings found me liable and now, I have to pay {$5.00} plus {$72.00} in overdraft fees. I do not have a job, I am currently looking for one. I live off of financial aid to carry me throughout my academic career. I am a hard worker, an XXXX XXXX XXXX Please help me. I do n't think its fair that I must paying {$77.00} for a parking spot when I am actually devoting what little time and resources that I have to the XXXX.
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
SunTrust Bank was running a promotion that told consumers that they would get up to {$200.00} for opening an account with them. My fiance and I opened an account with them at the XXXX, FL XXXX XXXX. We were promised and assured that we would receive the {$200.00} promotion as long as we qualify with at least {$2000.00} in Direct Deposits in a 60 day time period. I have heard this same information from multiple representatives and they have also assured me that I would be receiving my promotion in 6-8 weeks from the time I qualify for it. When I had n't received my money in the time frame mentioned above, I began to question the validity of the promotion by contacting corporate and walking into many branches. I was told the same information over and over again. I am now hearing from a XXXX XXXX in the Client Relations and Support Team that I will only be receiving {$100.00} on a smaller scale promotion. Digging deeper, I found that other complaints that I have tried to address with SunTrust Banks had gotten the lady that opened my account fired. She is no longer able to tell us what she had stated to my fiance and I when we opened the account, and SunTrust " has no record of what was said '' even though there is surveillance in the branch inside of XXXX. SunTrust has also stated on a recorded line that many of their representatives have relayed incorrect information to me. Therefore, I would like to receive the amount of money I was promised and assured of when I opened the account, and I add that those promises were made from more than one representative. I, as the consumer, should be able to believe representatives of this financial institution when they tell me I will be getting money from a promotion, therefore I feel that I should be getting what I was promised as the consumer.
|
| 08/20/2019 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Denied loan
|
|
Web |
|
|
Suntrust Bank is denying my student loan application based on income/race/language discriminationI am a student going to graduate school and am seeking for a XXXX student loan from Suntrust Bank. The loan is approved for credit but is requesting additional documents for my cosigner to verify his income. This bank is always using the reason cannot verify cosigner's income to reject my applicaiton. Loan ID: XXXX Spoke to suntrust custom loan representative XX/XX/19, asked why additional document is required. Said that the cosigner's income doesn't match the the amount on the paystub. He told me income can be projected, try to use the formula using weekly pay x 52week = annual gross income. If the number doesn't add up, I have to re-apply using a lower income amount. Loan ID: XXXX I reapplied, using the formula, put XXXX for cosigner's income. $XXXX/hr x 40 hr/wk x 52 wk/year = XXXX. Uploaded 3 recent paystubs, again asked me to provide additional document for the cosigner. Called suntrust custom loan representative XX/XX/19, asked why? They said they cannot verify income, didn't give a reason, just saying doesn't add up. So I spoke to the supervisor, he said that the number doesn't add up, no why. When I asked how much the cosigner need to put for his annual gross income? He didn't answer, said he can't provide me additional information if he cannot speak to the cosigner. The supervisor is also not willing to connect me to the loan origination department to ask for details. But the cosigner, who's my father, cannot communite in English. He started his job this year, working full time, earning $XXXX/hr. I and my father didn't do anything wrong, and Suntrust bank is kept rejecting our documents without providing a clear reason or any instructions to help us proceed the loan.
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/2019 This involves on-line access to my current mortgage account. According to SunTrust Mortgage I am the " co-maker ''. We have an on-line account created, however, it had to be created in my husband 's name because he is the primary person listed on the mortgage. I needed to re-set the password after trying to log on too many times. I called SunTrust to re-set the password, however, they would not speak to me about it because the online account is in my husband 's name, not mine. Now remember, I didn't have the option to set up an account in my name. I am just a " co-maker '' to SunTrust. The customer service rep then attempted to set up my own on-line account, however, because I am not the primary person on the loan he told me they do not offer an online account for a " co-maker ''.
I am just as financially responsible for the mortgage as my husband is. I should have the same access to the on-line mortgage info that my husband does. I explained to them that I am the one who set up the account initially and am also the one that accesses it when I need it. I am also the one that sends the payments. They would not re-set the password for me. They told me that they do not offer on-line accounts to " co-makers ''.
Don't you think that anyone financially responsible for a mortgage ought to be able to have on-line access to the most current information? In this case I was trying to access the annual escrow statement that comes out in XX/XX/XXXXof every year. I am trying to adjust our budget to make sure I set aside enough money to make our next mortgage payment in the correct amount and in a timely manner. This was time sensitive information that I needed.
I spent an hour and 16 minutes on the phone being transferred to various departments. This is not acceptable.
|
| 06/27/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
On Wednesday, XX/XX/2015, I went to my local SunTrust Bank branch to discuss the possibility of taking out a mortgage loan to buy a house. This is the branch located at XXXX GA. I was just in my information gathering stage of my house purchasing process.
The representative I spoke with asked me for my social security number to verify my identity as I bank with them too. I explicitly told her that I do DO NOT want my credit pulled. When I'm ready to purchase a mortgage loan, I'll have my credit pulled then. However, to avoid hurting my credit scores, I XXXX checked with her that my credit would not be pulled. Rather, I was just seeking advice and information only without a credit pull. She assured me that it would not be pulled. Towards the end of our conversation, she said she'd pass my information to her loan officer and he'd be in contact with me.
Towards the end of the night, I get an email from XXXX stating that my credit had been pulled that night. All XXXX of my bureau's had been pulled by SunTrust Bank that night. The next day, I called back to the branch and spoke with the same rep. She stated that she never pulled my credit and the loan officer must have. I expressed my disapproval as I explicitly stated that I did not want my credit pulled. She apologized and stated that she could and would easily remove the inquiry off of my credit bureaus. The SunTrust loan officer gave me a call later that day stating that he was never told to not pull my credit. I stated that I never gave any authorization to do so. He did not have much to say about the topic.
I want to emphasize that I never gave authorization, verbally or written, to have my credit pulled by SunTrust Bank or anyone else. I would like the credit inquiries on all XXXX of my bureaus removed. Thank you.
|
| 08/01/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
On XXXX XXXX, 2017 I closed an account at SunTrust Bank - XXXX XXXX XXXX branch ( # XXXX ) by having the funds wired to two separate entities. I was told the bank charged {$35.00} per wire, so the total amount wired was {$70.00} less than the balance. The banker wanted to directly debit the account for the wire fees rather than accept my cash payment for them. I subsequently received numerous dunning notices from the bank - initially for {$30.00} and then for {$30.00} and additional fees. I contacted the XXXX number and was told that the additional fees were in error - should not have been charged since I closed the account. The person ( an attorney ) on the XXXX number could not tell me what the {$30.00} was for, and instructed me to go to branch. I managed to take time off from work and I went to the branch where an officer told me that she would have to research the issue. Within a few hours, I emailed her copies of the wire receipts, told her that I considered the matter closed, that I did n't owe the bank any money as they had collected {$70.00} upon closing the account, and that I expected a written response to that effect. I followed up with her a week later since I had n't heard anything and then received an email from XXXX XXXX, Personal Banker III who said I needed to bring in {$30.00} because the BANK should have charged me {$50.00} per wire, not {$35.00}. So, the people who had all the control, and all the information made a mistake and are demanding that I make up for it. If I bought bananas at the grocery store that were mis-marked, I would pay the stated price ... Why am I forced to take all this time, effort, and energy to rectify their mistake? And do n't get me started on a {$35.00}, let alone a {$50.00} fee for wiring money to domestic banks!
|
| 10/07/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
In an effort to conserve on high cost of cable I searched for alternatives and replacements for renting the monthly cable boxes. I found the company XXXX XXXX through a google search. I called the number and left a message as directed by the voicemail, about two weeks later a man named XXXX called me back. He talked very convincingly about his cable boxes and the high cost of cable bills how I could reduce my cable bill by buying my own box.The box was to be plug and play I was excited as I wanted to save some money. I agreed to pay {$130.00} for a cablebox. On XXXX, 2016 a digital CHECK # XXXX cleared for {$130.00}. When I received teh box it was not plug and play and required a card from the cable company. I called and XXXX agreed to take the box back. I sent the box back on XXXX XXXX, 2016 after receiving a XXXX and the product was received shortly thereafter. XXXX was to send me a new device within a four weeks. When the new device did not arrive I called and emailed XXXX. XXXX did not respond. I contacted the XXXX XXXX XXXX XXXX responded it would keep the information obtained from my complaint as part of its ongoing efforts to identify businesses that may engage in patterns of deceptive practices. Suntrust refused to offer any assistance filing a dispute as described in its XXXX XXXX, 2016, letter. The SUNTRUST fraud investigator did not identify itself responded that SUNTRUST was under no obligation to me to pursue any actions to recover the $ XXXX letter did not adequately address my concerns as it related to deposits. SUNTRUST should be able to dispute a digital check or any withdrawal that describes SCAMS like this. I want to submit documents to be posted for the public to see how XXXX XXXX is and how SUNTRUST refused to offer any consumer protection.
|
| 06/07/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
My Husband and I entered into a sale agreement with individuals ( XXXX XXXX and his wife XXXX XXXX ) to sell our home located at XXXX XXXX XXXX XXXX Va XXXX The initial contract called for a XX/XX/XXXXsettlement. All parties then amended the contract noting aXX/XX/XXXXsettlement. OnXX/XX/XXXXour Real Estate Agent was notified at XXXX EDT that settlement would not occur on XX/XX/XXXX Sun trust Mortgage would not explain, nor tell us when we could close. Their staff made a mockery of our requests. The Real Estate Agents could not make any progress.
Movers, Housing, plans had made made well in advance. Addendum settlement date was dated XXXX. XXXX XXXX and XXXX XXXX established this Bureau to help ensure that consumers were dealt fairly and equitably. We initially payed and extra {$770.00} ( see cd attatched ) for an extended 60 day lock. Now, without any guidance regarding when eventual settlement would occur, we were forced to secure an extra 7 day lock for a cost of {$660.00} Sun trust never made the update in their system. Thus we are requesting {$1600.00} from Sun Trust as a result of their negligence. I am a XXXX XXXX. XXXX XXXX XXXX XXXX, serving on a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am also XXXX XXXX XXXX with my XXXX XXXX I expected better treatment from the mortgage company employees. I expected to be treated equitably. And mostly, given the fact that being in limbo for 5 days is less than highly conducive to XXXX relief given my condition. I am not requesting temporary quarters compensation, nor any other " hard '' cost that I may have absorbed. Pay my family for the locks caused by your negligence. Make us whole. Best, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va. XXXX
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
I opened a new money market account at Suntrust Bank based upon an advertisement at https : XXXX showing 2.4 % interest rate.
On XX/XX/2019, {$10000.00} was ACHd by Suntrust from my Savings account at XXXX XXXX. I then logged into my account and it no where on the site did it show the interest rate. I called up Customer Service and after spending 30 minutes on the phone with Suntrust, they said the interest rate can change at any time without notice and there was no way to find the rate out except to call them. Since spending 30 minutes on the phone to get my interest rate is not a good use of time, I decided I was going to close my account. I sent myself a XXXX check for {$10000.00} so I could get my funds back. The funds were supposed to arrive by XX/XX/XXXX, and when the check did not show up I called them on the XXXX. They said my account was frozen due to fraud prevention and to wait a couple days and they would close my account and mail me a check. I called Suntrust again on XX/XX/XXXX, and they said to wait one week and my account would be closed and they would mail me a check. I called today, on XX/XX/XXXX and XXXX XXXX said there was no way for Suntrust to send me my money back and XXXX had to request the money. I called XXXX and they said there was no way they could request the money because the ACH request was initiated by Suntrust. I then called Suntrust back again and XXXX XXXX said I just had to wait an undetermined amount of time. I called again and they said my account is frozen due to a garnishment. I know there are no garnishments related to me so the only way for that to occur is for mistaken identity. I asked them to produce a document or what I could send them to prove that there are no issues and she said there was nothing I can do.
|
| 01/20/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I mobile deposited a cashier 's check in the amount of {$2400.00} to my SunTrust Checking Account. I later recieved a Notice of Hold letter with the available date of XX/XX/XXXX. On XX/XX/XXXX, the funds weren't available, I called customer service and was told my account was closed and further review of the check was necessary with no timeframe given. I called again in XXXX and XXXX of XXXX and was told no information was available other than the check is still being reviewed and to try calling back in 30 - 60 days. I called in XX/XX/XXXX and was told I needed to contact the issuing bank and request they send SunTrust a Hold Harmless Letter, verifying the check was indeed issued to me, in order for the funds to be released. I contacted the issuing bank on XX/XX/XXXX who informed me that the funds were in fact collected from SunTrust for that cashier 's check on XX/XX/XXXX. I was also told that, the process for requesting a Hold Harmless is to be initiated by the requesting institution. So, in this case, Suntrust would need to directly contact the issuing bank to request further verification, which there is no record of any attempts being made by SunTrust to do so. I've tried to relay this information to SunTrust but the representatives aren't knowledgeable enough to help and I'm told there's no way for me to speak with an actual banker to resolve this issue. Again, this was a cashier 's check, which are guaranteed funds, that could easily be verified with a simple phone call to the issuing bank. Its been almost a year since I made this deposit and the funds have long since cleared. SunTrust has violated my rights as a consumer with this 'indefinite ' hold, even after the check has been paid with no evidence or probability of reversal.
|
| 12/06/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
Older American, Servicemember |
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We established an equity line with SunTrust Bank, using our primary residence as collateral several years ago. While we spend six months a year out of state, we have our mail forwarded. Our last monthly statement from SunTrust was recieved on XXXX. We religiously sent SunTrust {$300.00} every month irregardless, depending on hearing from them if there were any changes or problems. Upon returning to our primary residence in XXXX, I recieved a call from SunTrust 's collection department demanding nearly {$4000.00} in late payments plus fees. It was then learned that our payments were increased to over {$800.00} permonth back in XX/XX/XXXX. We checked with our post office and learned that if mailing envelopes from financial institutions do not instruct them not to forward correspondence, the mail is forwarded. SunTrust does not request the post office to not forward mail. This represents both unprofessional and unethical practices on the part of SunTrust. Not only are we faced with dealing with a rather large surprise obligation, but the bank still has the gall to charge fees on top of this unjustice. It is unexcusable for the bank to not try to communicate with us regarding this matter, or to be assured the correspondence be forwarded. When I brought this matter to SunTrust 's attention, they blamed the post office for returning all mail. It should be noted that all other first class mail was forwarded as ordered. This not only caused us a financial burden, but also affected out credit. We believe that SunTrust should have negated the increased obligation since XXXX, advised us of our increased loan payment and we would have gladly gone along with that. It would be interesting to ascertain just how many other customers experienced similiar treatment.
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| 09/06/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Closing an account
- Funds not received from closed account
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Web |
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Dear Madam or Sir, After the passing of my mother, XXXX XXXX XXXX, My sister, XXXX XXXX, presented to Suntrust Bank, XXXX branch a death certificate early inXX/XX/XXXX. At that time, my sister received her half of my mother 's account balances. As per the instruction of Ms. XXXX XXXX ( XXXX ) of the XXXX Branch, I submitted a letter to SunTrust Bank, Account Closure Team on XX/XX/2018 to close my mother 's account. As per her instructions, I did not need a notarized letter because my mother 's combined accounts were less than {$25000.00}. I then received a letter from the account closure team indicating that I did need to send a notarized letter. I mailed the notarized letter back to them on XX/XX/XXXX ( overnight ) and it was received XX/XX/XXXX at XXXX in the morning per the post office.
As of today,XX/XX/XXXX I still have not received any check from my mother 's accounts ( XXXX and XXXX ). I have called, emailed, etc. XXXX XXXX several times ( and spoke to her manager ). I was told that they could only email the account closure team and that there was no phone number for myself or them to call to follow up. I spoke last with XXXX XXXX last week Friday,XX/XX/XXXXand was told that it appeared the accounts were closed on Thursday the XXXX. Again as of today, I still have not received a check and what is frustrating is that the XXXX phone number is merely a call center that is unable to help and the branch where my mother banked claims that they have no phone number to provide me to follow up.
I am very frustrated because I can't plan a memorial for my mother until I receive this money. I am also upset with the lack of customer service available to me to resolve this issue. Please help me.
The Account Closure Team is located in XXXX, TN.
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| 08/22/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
Servicemember |
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On XX/XX/2018, I authorized Sun Trust Mortgage to charge on my credit card for a real estate appraisal to be performed at their direction. This was required for a mortgage application process to move forward. The appraisal fee was itemized to cost {$500.00}.
On XX/XX/2018 the appraisal was performed by XXXX XXXX XXXX and completed and signed on XX/XX/2018. Shortly thereafter, I received the appraisal package from Sun Trust Mortgage. In the package was an invoice for the appraisal from XXXXXX/XX/XXXX. The Invoice was for {$450.00}.
On XX/XX/2018 I spoke with my Sun Trust Mortgage Loan Officer, XXXX XXXX. I asked Mr. XXXX why I was charged {$500.00} for the appraisal which was invoiced at {$450.00}. I specifically asked if any additional services were provided to justify marking up the appraisal cost. Mr. XXXX apologetically said a mistake had been made. He said he thought the appraisal would cost {$500.00} and that I was overcharged. He clearly said the {$55.00} overcharge would be returned as a credit on my card.
The {$55.00} overcharge was never returned as promised. When I withheld the {$55.00} from my credit card, Sun Trust Mortgage refused to acknowledge the appraisal mark up, refused to acknowledge the mistake, and demanded full payment.
To reiterate, Sun Trust Mortgage marked up the cost of the appraisal and did not disclose it. When exposed, Mr. XXXX apologized and promised to make a refund, and then reneged on promise. Then Sun Trust refused to acknowledge any of this ever happened. Now they want to keep the undisclosed and most questionable mark up.
The absolute proof of the truth of this claim can be found can be found in Sun Trust Mortgage 's recorded phone calls as they claim to record all telephone conversations. Incredible.
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| 02/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
Servicemember |
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I went to XXXX XXXX today to close my account after paying off the large fraudulent negative balance. I figured that when I asked them to fix the account and when the account manager picked up the phone he didn't really call who I intended for him to call. They are acting like they are contacting the right personnel when in fact they don't inform you of what they really do, instead they tell you they cant fix the problem but then go fix it and collect the fees once you either attempt to close the account of while your not looking or noticing. this is how they are running their scan not and they do it on new people in town, college students, with loans, and single females without children. I went to close the account today and they refused to provide me with proof. All I got was a screenshot faking like it would be closed. I will attach it below. I just want my money back. I haven't received my paycheck or this fraudulent amount they shifted around during account servicing. They reshuffle serving dates and times and creatively steal peoples money. I suffered personally because of what they did to me and they deserve to be caught. Banks don't respect war vets and believe that they get free money when in fact we pay for things ahead of time, everything. But because the public doesn't know this because of the way contracts are worded they never learn the truth. So they think we get free money when we actually did a lot of servitude ( slavery ). bank employees steal from us because they don't know the truth. I have never had a non federal bank account where they did not honestly try to ruin my life. I pray to XXXX you help all service members going through this. y life has been in ruins because of random bank employees since I left military service.
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| 11/12/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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This complaint is about the fees my bank charged for a wire transfer, not the transfer itself. I did some business with a company XXXX and they pay through wire transfer. I had the money wired to my SunTrust account. The remitting bank XXXX provided a receipt showing that they remitted {$9100.00} XXXX to SunTrust. When I received the deposit, {$30.00} XXXX was missing, but then SunTrust charged me {$15.00} separately for a " domestic '' wire transfer. SunTrust publishes an incoming international wire transfer fee of {$30.00}. When I questioned the double charge XXXX {$30.00} off the top and {$15.00} extra ), SunTrust said they did not charge the {$30.00}. After several emails and phone calls, someone looked at the trail and determined that the incoming wire transfer came through XXXX bank and SunTrust received {$9100.00}. My guess is that SunTrust uses XXXX to process their international wire transfers since they are not an international bank. The Swift code for SunTrust was used but it obviously went through XXXX first, which shaved the published {$30.00} fee off the transaction. My main concern is that in the process of receiving my money, {$30.00} disappeared and I have no receipt or explanation for it. The fact that I was charged {$15.00} for a " domestic '' wire transfer between the bank SunTrust uses for international transfers and SunTrust itself is double-dipping and criminal. These transactions should be transparent and all fees should be disclosed up front. I would have been fine giving SunTrust the published {$30.00} for the international wire transfer, but the fact that another bank ( that I am not a customer of ) got that and then I was charged {$15.00} for a domestic transfer is the issue. It 's dishonest and needs to be stopped.
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| 01/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I worked with my mortgage existing lender Suntrust Mortgage to refinance my house. I spoke to XXXX XXXX to make a long story short. XXXX told me I did n't qualify for the new loan modification but that he can do regular conventional loan and give me good rate and payment would be at {$2100.00} with tax and insurance. I verified with him to make sure that it was correct amount since I was paying before $ 1800+ dollars a month. He said yes and I signed up to refinance. Now he had all my information taxes insurance because they were my same lender. A year later comes, and I get a bank statement under new account XXXX telling me I have a escrow shortage of {$4600.00} and I had to pay by XXXX2018 or my payment would be {$2800.00}. If I did pay it I would still be paying {$240000.00} every month. They were deceptive and to me they committed fraud to get me to signup on a new loan. If they told me upfront the payment would be this much, I would of never refinanced. I do n't have that kind of money saved to pay back outrageous shortage fee and higher payment a month. I trusted this bank to do the right thing. I called them and spoke to XXXX of client solutions at XXXX XXXX XXXX and she sent it to higher management to investigate what went wrong.
This is not a {$100.00} mistake. This is a $ 400.00+ a month mistake and a {$4600.00} bill. What she found out so far was she said that suntrust did n't make a mistake it was a 3rd party they hired. I didnt ' hire the 3rd party. I hired my same back to give me honest deal. I feel I was lied to and fraudulently given a wrong rate to get me to signup with them on refinancing. This shows them doing another loan and now I 'm struck with an outrageous loan. they have to do something. They lied to there consumer.
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| 12/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I have a fairly new checking account with Suntrust bank. The set up the majority of my bills through their bill pay option. Because at least one if not two direct deposits enter my account every Thursday, I set up an recurring bill pay option for the funds to be issued on each Thursday or the following Friday. Through recent investigation i have found that several checks have been posted prior to the date of my enrolling of bills pay.
check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 check number XXXX dated XX/XX/2018 cashed XX/XX/2018 i contacted the bill pay department with suntrust and the representative completely agreed with what i was describing as an error. She stated that the funds would be returned to me as soon as she confirmed with her supervisor. When she came back to the phone, her entire demeanor changed and she told me that she was sorry there was nothing that she could do. I then called the bank to speak with a manager. I explained to the lady of the phone the scenario in which her reply was " If you don't like the way that the bill pay works, don't use it and pay your bills yourself. '' I can provide additional disturbing information about that particular phone conversation if needed. I then asked to speak with the manager. I was informed that she was unavailable at the time and my name and number was taken for a call back. I was on a conference call my my own job when the manager returned my call a few hours later. I called back within 20 minutes of her leaving a voicemail ; however, I was still unable to make contact with her. I again left a message for a return phone call, but I have yet to receive a response.
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| 07/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Complaint against SUNTRUST MORTGAGE in regards to the posting of my monthly payments since taking over my loan servicing on XX/XX/2018. My monthly statements are consistently reflecting 2 months of payments due. I have contacted the mortgage company every month to better understand why this is occurring, as I am submitting my monthly payments well before the XXXX of each month. Initially i received a statement for XXXX reflecting 2 months due for my mortgage ( XXXX & XXXX ). I noted a correspondence that stated my loan was sold at the end of XXXX, but no account information provided by new service provider SUNTRUST. I reached out to SUNTRUST to make an online payment prior to XX/XX/XXXX to maintain my account current. In the XXXX billing statement I understood why system generated the dual payment due as the conversion time being noted. However for the XXXX Billing statement did not understand why still showing 2 payments being due. I contacted SUNTRUST on XX/XX/XXXX and was told my billing cycle was occurring every XXXX of the month, as this was automatically set-up by the system. Additionally I had mailed hard-copy checks this month, as needed to make up an escrow shortage. Understanding this billing cycle I sent my XXXX payment on XX/XX/18 via epay for XXXX XXXX account. I visited the website again on XX/XX/18 only to see my payment not yet posted. XXXX XXXX show funds withdrawn from my account on XX/XX/2018. I spoke to XXXX with customer service and she explained my payment may show deducted from account, but it was probably mailed by XXXX XXXX so has not yet been processed. My XXXX statement has been generated already and is showing 2 payments due! Why is SUNTRUST system deliberating trying to access me with late payment statements?
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| 07/20/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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This complaint is concerning the disposition of a bank issued IRA with Suntrust Bank. My mother has an IRA with SunTrust Bank, she is currently XXXX and not able to performing banking in person, Im her XXXXXXXX XXXX XXXXt and have a valid power of attorney that has been registered with the cleark of courts in the XXXX of Virginia , XXXX Virginia . On Monday XX/XX/2018, I visited the SunTrust bank in XXXX Virginia, and requested closing of the IRA account, with distribution being made to the account holder. After presenting the POA, the bank informed me that the POA was not valid for this type of account since it did not specifically specify retirement accounts, and the only way to close the account and receive distribution was to have my mother come to the bank in person, and or have a new POA created indicting that retirement accounts were included in POA.
As indicated to the bank representative, my mother was physically unable to come to the bank, also was physically unable to execute a new POA, and is not in a financial position to have a new POA created. Also, the bank refused to give requested account information to me, the XXXX.
Im of the believe that the actions of SunTrust on XX/XX/3018 concerning the request to close an account by use of a valid POA violates the Americans with XXXX Act, and the request by SunTrust to have the customer have a new POA developed to meet their corporate guidelines is also a violation of fair banking practices. After being denied the request to close the account by the POA, the attorney that created the POA was contacted, the attorney indicated the POA was valid and should be accepted for all banking transactions, and SunTrust should honor the request to close and provide account information.
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| 01/03/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Since around XXXX 2017 I have been communicating with Suntrust Bank and I made them aware of the situation regarding my account. The Suntrust account and the vehicle financed with the Suntrust loan was ordered to be paid my my ex-husband but he failed to finance the car and pay off the account as ordered by the court. Since my account was late several times because of this I decided to contact XXXX to have the vehicle repossessed by the, sot hat they can get their money back. Me and my husband spoke to XXXX repossession department and provided them information about the whereabouts of the car so that they can reposes the vehicle and sell the vehicle, Since our first contact with Suntrust we explain the situation and explained then that we were trying to settle the account. The vehicle finally was repossessed and once again we contacted the repo department to have them auction sell the vehicle ASAP since we did n't not want to incur any more charges. however we were told that we have to wait. we obtained the information of the recovery department and we contact them and we were told that we had to wait to settle the account. Once the account finally was at the recovery department we were able to settle the account, the representative stated that the account was going to be reported as paid in full, we agreed to that and we sent the payment to settle the account, however the account is still being reported as " Charged off '' After all the communications that we had wit Suntrust they failed to acknowledge that we were trying to settle the account with them since my ex-husband failed to do what that was ordered by the court, and up to this date my account still shows as charged off when I was told that it will be reported ad paid in full.
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| 08/01/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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SunTrust is reporting untruthfully that we were four months late paying our mortgage in the past 12 months. We did enter a Chapter XXXX plan in XXXX XXXX but during that time we consistently made the payments each month as we have in the past 10 years. After complying with our plan and receiving a satisfactory discharge in XXXX of XXXX, we had received no statements ( other than interest rate changes ) regarding our SunTrust mortgage account yet we continued to make the monthly {$550.00} payments as set forth in our mortgage agreement. Still, we received no statements from SunTrust but did receive an annual XXXX to document our owed taxes. Suddenly, on XXXX XXXX, XXXX, we received our XXXX and only statement that the equity loan had changed on XXXX XXXX, XXXX to reflect a payment of {$1400.00} per month. According to the letter, this meant that we were scheduled to be reviewed for foreclosure. SunTrust had increased the monthly payment of {$550.00} to {$1400.00} without any notification to us and we had paid perfectly for 10 years up to that point. The letter indicated that we owed {$4100.00} that needed to be paid in order to avoid foreclosure. We were able to pay this amount and brought the account current.
We are in the process of refinancing this loan. We are encountering difficulty with the underwriter because the lender obtained a report indicating the XXXX XXXX - XXXX XXXX payments are late because they were not in the amount of {$1400.00} as opposed to the {$550.00} payment we had paid. We feel that because we were not informed in any way of this increase in amount no refinance agency should receive a report that were late. A payment was made every month. They failed to notify us of the increase and this is stalled a refinance
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| 01/18/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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XX/XX/2015 I made an automated payment to Suntrust Mortgage for my XX/XX/XXXX payment. The automated payment was made before XX/XX/XXXX over the phone where I had to enter my account information by touchtone phone. I noticed after a few days that the payment had not been withdrawn from my bank account so I called Suntrust to see if there was any issue. They said they had gotten my automated request for payment and there was NO issue, and that the payment should be withdrawn within just a few days. More days had gone by and it was becoming increasing close to the end of the month and still not withdrawn from my bank account. I called Suntrust again and had gotten the same response, we have noted on your account that you made an automated payment, just give it some time to hit your bank. On XX/XX/XXXX, there was still no withdraw for my XX/XX/XXXX payment so I called Suntrust again. A man told me that yes he sees the automated payment, however, the account number was not entered correctly so the payment was now late. I immediately gave him my information to make my XX/XX/XXXX and XX/XX/XXXX payment and it was withdrawn from my bank account. I asked if there was going to be a hit on my credit for a late payment and he said likely not. On XX/XX/XXXX, there was a late payment noted on my credit report for my XX/XX/XXXX payment with Suntrust mortgage. I called to speak with someone and they said they had no resolution other than apologizing for not informing me of the mishap in the 3 prior times that I had called to ask if there were any issues. I never have been late on my mortgage payment prior to this, or there after. I still have a 30 day late reporting to my credit report after MULTIPLE attempts to rectify the situation immediately.
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| 12/02/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On XX/XX/2019 I as SunTrust customer made a complaint ( CFPB # XXXX-XXXX ) and another three written inquiries, three phone calls to SunTrust customer care and customer service regarding a illegal deduction of {$20.00} from my personal Advantage Checking account ending in XXXX on XX/XX/2019 stating XXXX XXXX monthly maintenance fee. I never received a letter from the bank until XX/XX/2019. This letter dated on XX/XX/2019 stated that my combined relationship balance fell below {$10000.00}. This conclusion was far from true. Actually my combined relationship balance was EXCEED {$10000.00} and was linked with a small business check account. According to SunTrust personal advantage checking account fee schedule : Avoiding monthly maintenance fee section - Maintain a Total Combined Relationship Balance of {$10000.00} or more linked across deposits OR Have a linked Small Business Checking Account. As I stated before I qualify both requirements. However this bank continue conduct criminal activities to deduct a second $ XXXX monthly maintenance fee from the same account ending in XXXX on XX/XX/2019 stating it's XX/XX/2019 monthly maintenance fee. In early XX/XX/2019 SunTrust credit back one of the fee {$20.00}. I don't know why SunTrust continue to repeat same error which I seriously can't accept at all. See attached Avoiding monthly maintenance fee Schedule and SunTrust Response Letter on XX/XX/2019. At this time, since I already reported this criminal activities to the DC dispatch XXXX to ask Police Report, I am asking prosecution towards this banking perpetrator who repeatedly and illegally deduct money from my personal checking account. I also filed a claim to ask at least {$25000.00} damages toward this repeated threat to Consumer.
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| 04/22/2016 |
Yes |
- Bank account or service
- Savings account
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- Account opening, closing, or management
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Web |
Older American |
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Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law.
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure?
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me. As can be seen in the supporting documents, I was not given credit for two {$45.00} payments. These should have been posted to the only account I had opened, the savings account at the SunTrust located on XXXX XXXX. in XXXX XXXX, Ga..
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| 02/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My mortgage servicing provider ( XXXX ) transferred my mortgage to another service provider ( Suntrust ). This is a standard procedure and I went through the process several times before. However, this time I was not informed about the transfer from either company! Because XXXX had a wrong address on file I did not receive their notifications. Additionally, since the new service provider ( Suntrust ) relies on the address from the previous service provider, I did not receive any communication from them either.
I found out about the transfer a few months later via a coincidence. I checked my credit report and noticed that my credit score dropped. Apparently I had a mortgage with Suntrust that was more than 30 days late. I was confused as I had been making timely payments to my my mortgage provider.
I called XXXX and they informed me that they are not my service provider anymore and they referred me to Suntrust. Both providers admitted that they had the wrong mailing address and that the mail they sent to me had been returned to them. I do n't understand why Suntrust did not try to call me and why they reported the late payments to the credit bureaus when they obviously had the wrong address!?
I immediately settled my balance with Suntrust as they were very adamant about the outstanding balance. At the same time I am still waiting for XXXX to reimburse me for three months of mortgage payments I sent to them. To add XXXX more twist to the story : my account will transfer to yet another service provider ( XXXX XXXX XXXX, I think ) in less than 14 days.
Since I did not receive any information or notifications about this transfer either, I can only assume that Suntrust continues to use a wrong address. This is very frustrating!
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| 01/12/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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After the two years of paying PMI ( Private Mortgage Insurance ) in addition to the mortgage on our house, we applied to have our PMI removed since we had paid off XXXX % of our house value with SunTrust Mortgage Corp. We worked with SunTrust to find out what steps were required - they told us to submit an application to remove the PMI. We did, and a month later we received a letter in the mail stating that we also needed to include a check to cover the cost of the appraisal. We sent off another application, this time including the check, to the PMI department. After over a month of no contact, we reached out to SunTrust customer service and were notified that the PMI department lost the application and check. We paid our bank the {$25.00} charge to cancel the check and then sent the PMI department a third application and check. This one was received, although it took SunTrust another month to arrange the appraisal and then subsequently remove the PMI from our bill. Through poor communication on the part of the PMI department and slow-moving processes, we paid an additional XXXX months worth of PMI after the process began. If Customer Service had known to ask for a check, we would have saved all XXXX months ' worth. If the PMI had not been negligent and lost the second application, we would have saved two months ' worth. If the PMI department moved faster than a glacial pace, we would have saved one month 's PMI. I have spoken with XXXX Customer Service representatives at SunTrust that have both admitted that the PMI department should refund us at least two of the months ( after the XXXX application was lost ), although the PMI department denies any fault after turning down a request to have those months ' PMI charges reimbursed.
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| 02/08/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/XXXX, Suntrust did an escrow analysis for XXXX projected year and failed to include the monthly escrow to be paid for XX/XX/XXXX. The payment was not due until XX/XX/XXXX and was timely paid in full. Defying logic, Suntrust showed actual escrow payment for XXXX XXXX as {$0.00} but included XXXX XXXX escrow as {$660.00} ( as estimated ). So, they do estimate XXXX even though not yet due when the analysis is performed, but they estimate XXXX will get paid? The result is to project a starting actual escrow balance for XX/XX/XXXX which is {$660.00} below what the actual escrow will be. In effect, they only included 11 escrow payments in the analysis. The result is a {$320.00} escrow projected shortage ( below 1/6 annual total escrow ). In reality, the escrow they will collect will cause an overage of more than {$300.00} above the minimum required escrow.
On XXXX XXXX, XXXX - after XXXX payment was made including {$660.00} to escrow - I spoke to a Customer Service Rep who tried to dismiss the escrow as just an estimate and that it won't affect my payment. False. Eventually, they agreed to have the analysis re-performed. I spoke again to the not helpful Customer Service department and they said the XX/XX/XXXX analysis was done correctly and that it doesn't matter that I made XXXX payment and escrow. They could not explain why the estimated XXXX escrow would be made and could not take into account that XXXX was actually paid. This is also a change in practice to how they estimated escrows in XXXX.
It seems Suntrust is trying to systematically miscalculate escrows to hold excessive balances in violation of applicable law. Please investigate the above concern for both my account and for all accounts similarly situated.
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| 09/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I was called in XX/XX/XXXX by Sun trust Bank that they were offering a refinance deal and would I like to be considered for it. The lady who called was XXXX gave no last name but provided this number XXXX. She told me not to make XXXX payment that I would here from the by the XXXX of the refinance. I never received any paperwork but woke up to find my car gone from the driveway.
I never received any contact from the Bank that there was an issue or no call questioning the payment being late. I live in the state of Virginia and the Virginia law as of XX/XX/XXXX states that before any vehicle can be repossessed a letter must be sent to the consumer informing them that such an action is going to take place.
When I found the car gone I immediately called sun trust as I had not heard anything from them and feared the worst. Since this happened I have found out this was all a scam during that time in XX/XX/XXXX.
Immediately I got the funds and went to pick my car up from the agency it had been towed to which was across state lines which I believe is also illegal.
Immediately after getting my car I started the complaint process with suntrust about the repossession of the car. I spoke to a lady by the name of XXXX at the same number and she told me to call the XXXX number and speak to someone about this matter.
I am very upset about the reporting on my credit report as it shows repossession and then after it was recovered they marked my payments as it being in recovery payment.
This car was paid off this year and the negative crdit marking has caused me not only to not get an RV but also has caused me not to be bale to get a home equity loan.
I was promised by suntrust in XX/XX/XXXX that all the reporting would be corrected.
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| 07/20/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me
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| 11/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I 've been trying to combine my two mortgages by refinancing for the pass six years I 've owned my home for ten years I call them two to three times a year because they send me letters saying I qualify to refinance through the program HARP and when I talk to them they say I do n't qualify because I 'm not In Crisis because I 'm not late with my payments but what they do n't know is every time they withdraw the money from my account it overdraft but they do n't care as long as they get their money so why send me the letters at all and they also told me I was going to be able to combine them and refinance after two years and till this day they ca n't because my home is not worth what I owe but it 's not my fault since they could n't or just do n't want to refinance because of all the interest they are making of me I 've paid so much interest in this ten years my home could of been paid off by now. And for the pass few years each year they keep over charging me on my escrow they keep telling me that my escrow has been going up and so that 's why I have to pay more money on my mortgage which I ca n't afford and I called the escrow company and they told me that my taxes has n't changed so that only means they are taking and keeping my money I 've call them about it and they say otherwise I thought I was the only person that was going through this with them but I read online that are with this company that are going through the same thing and it 's because we are letting them get away with it because we do n't want to loose our homes and no one will help us and make them stop abusing us and taking advantage of us but maybe yous will help us all that going through the same as me and make this pay for what they are doing to us.
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| 02/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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I responded to an employment ad on the internet which took me a web site, XXXX, and applied for the XXXX XXXX XXXX. I was interviewed twice and then I was sent ( 4 ) documents in succession to read and then pass written test. Upon successfully passing the test I was hiring the start making purchases for the company and ship the items to designated areas. I was told once I successfully completed the first two assignments, I would receive a corporate credit card as well as a cell phone and lap top. Until my card was issued, I received an account number and a routing number that I would use to pay down my personal credit cards so I would have their money to make the required purchases. The account was with SunTrust bank and upon calling them to use these funds to pay down my credit cards I was asked my name and if I was authorized. I told them that this was a corporate account put in my name to use to pay down my cards. At this point they made these payments toward my cards whenever I requested. After withdrawing over {$20000.00} the payments started to be reversed. I called SunTrust to ask them what happened and they told me that this was not my account and that I was not authorized. This now leaves me deeply in debt with the banks that have issued the credit cards to me. My concern and question is don't the banks have a responsibility to the consumers to verify the account information and its authorized users? In todays world with identity theft being a major concern and problem I feel that the banks are being negligent and should be held accountable. I have attached many documents and there are many more emails should you need copies. I apologize that the emails are a bit unorganized, that happened while copying.
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| 07/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/XXXX, client deposited a check in the amount of {$4100.00} into account. After doing so, client became worried that check was fraudulent, and contacted bank. Representative of bank assured client that check seemed valid, and if it cleared in 24 hours, would be. Client waited for stated time, and on XX/XX/XXXX used those funds. On XX/XX/XXXX, client and parent were notified check was indeed fraudulent, and now owed bank restitution. Parent contacted bank on XX/XX/XXXX, was told there were no notes on the account. Parent contacted fraud department and instituted proceedings on XX/XX/XXXX. Parent covered " overdraft '' of {$2600.00} on XX/XX/XXXX. Bank states it has no liability in this regard ; parent researched and found literature stating bank not responsible for misstatements by employees. This seems unreasonable, client sought help, and without statement by employee quite probably would not have used funds after consulting with others. Parent offered mediation, and stated this action could be litigated. Local bank manager re-escalated fraud query, but neither action taken nor correspondence sent to parent. Bank manager offered 0.2 % over market rate for a deposit account ; parent declined this minimal offer.
Bank charged overdraft charges on debit card - parent contested these, they were returned ( at this time, I think all were, but there were many ) Multiple employees stated that funds were made available due to parent 's accounts at bank, even though parent was not notified until AFTER the fact. Another employee stated this type of fraud is not unusual, though it is not readily searched.
I know of no other business that can misrepresent and not be held liable for actions, though there may be some.
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| 06/27/2017 |
Yes |
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Web |
Servicemember |
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A total of 3 fraudulent charges were made to my Sun Trust Access 3 account, for {$20.00} each, on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, for a total of {$60.00}. These charges were made without my knowledge or consent. The charges were for FAX transmissions of account-related documents that were allegededly needed to close on a loan ( for which I had not applied ). When I discovered the fraud, I immediately called the bank to request a refund. I made 2 separate calls and talked to 5 representatives, each of whom claimed there was 'no error ' ; that, since I had applied for a V.A. Loan, I had authorized the charges. Finally, I contacted Suntrust Bank by U.S. Mail to advise the President of the fraud. My request for reversal was denied. The problems with the bank 's argument are : 1. While I had applied for a V.A. 'Refinance Loan ', and that application is still in progress, I did not apply for the loan in question, nor had I spoken to the individual who requested my account documents, 2. The document I signed giving my Loan Representative access to private account-related information did not specify that it would be sent via FAX. ( It could have been sent by U.S. Mail ; or, via Email, as PDF attachments. ). In fact, I have already sent a number of documents to my Loan Representative via Email as PDF attachments, and they were accepted in that format. He has never suggested that I need to send documents to him via FAX.
3. Since a V.A. Loan Application can easily take 3 months or more to process, same day FAX transmissions are not a necessity.
My desired resolution is restitution of the {$60.00} that was stolen from my account by Suntrust Bank.
Mobile Phone : XXXX
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| 06/09/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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From XXXX/XXXX/XXXX - XXXX/XXXX/XXXX we received letters from Suntrust stating that we have unusual activities on our debit cards " XXXX '' and " XXXX ending, therefore they placed a " temporary '' block status. SINCE I had past disputes related to unauthorized charged XXXX which were approved and resolved with Suntrust during XXXX ; I noticed that again, from XXXX to XXXX XXXX, while I was on " XXXX '' leave, at home, in bed, NOT USING MY CARD WHICH HAS THE XXXX STICKER ON, XXXX was charging my checking account as they please causing multiples overdraft fees ( XXXX x {$36.00} aprox. ), ignoring the fact that my account was set up as " cash only ''. on XXXX/XXXX/XXXX I collected all evidences and sent it via fax to Suntrust to investigate. Suntrust representatives explained that it will take up to 60 days to get the issue resolved ( Previous disputes against XXXX only took XXXX hours to get a final resolution on my favor based on evidences presented ). On XXXX/XXXX/XXXX I received a letter from Suntrust granting me a temporary credit for the claimed charges and removal of all overdraft fees, while my account was undergoing investigation. Unfortunate to say, Suntrust sent me a letter on XXXX XXXX stating that the investigation was fruitless, that they could n't resolve the isue and asked me to deal with XXXX. On XXXX/XXXX/XXXX I received a letter from Suntrust Notifying me that the referenced account was closed, the negative balance of - {$1600.00} ( multiples charges of overdraft fees of {$36.00} plus XXXX unauthorized charges ) was charge-off since the account was overdrawn for several weeks regardless of being investigated and they even add {$30.00} to charge off the account and I was refered to collections.
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| 11/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I was erroneously charged twice by XXXX on XXXX XXXX. XXXX was a {$15.00} charge, and the other was a {$16.00} hold.
The two charges brought my account into overdraft, incurring a {$36.00} overdraft fee from SunTrust bank. I called XXXX and had the issue corrected. They said they would refund me the charges and that it would take 2-3 business days.
I then called Suntrust to notify them of what happened. I told them the two XXXX charges were a mistake and being refunded, and asked to be refunded the {$36.00} overcharge fee. They refused, but did say that once the XXXX charges are fully refunded, then they will refund the {$36.00} overdraft fee.
On the very next day, however, XXXX XXXX, SunTrust hit me with a SECOND overdraft fee, still related to the erroneous XXXX charges. So despite the fact that I called and told them the XXXX charges were in error, they used them as the basis to hit me with two separate overdraft fees, totaling {$72.00} XXXX all because of two XXXX charges does in error worth {$31.00} XXXX.
Representatives at SunTrust have been completely unhelpful to me addressing this. Instead of working with me to prevent the overdraft fees once I informed them the charges were in error, they instead kept hitting me with the fees.
They claimed the fees are applied automatically by a computer, and that for a human to override them and credit me the {$36.00} overdraft fee, I would have to await a phone call from a supervisor which could take 3 business days.
Having {$72.00} stolen from your account by your banks due to a {$30.00} mistake that is in the process of being refunded, created an exceptional hardship in my life. And that lack of responsiveness by the bank made the problem much worse.
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| 06/06/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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XX/XX/XXXX Complaint Against SunTrust Bank, Commercial Division : XXXX XXXX XXXX number ( not included ) SunTrust account number ( not included ) I have a rental property that now has an encumbered title from an entity that the settlement statement shows was paid off by XXXX XXXX XXXX, later bought out by SunTrust. This was discovered when selling the property in XX/XX/XXXX. The loan from XXXX ( SunTrust ) was later paid off. But apparently two legal entities that the bank was supposed to have paid off were not. The title insurance company asserts that I do not have legal standing in this case because only the bank is insured by the title insurance. Suntrust has acknowledged culpability, but is no longer pursuing resolution. They have not returned communication for two months. Meanwhile, I have an encumbered title and can not move forward with the properties sale. This matter has dragged on since before the first of this year. Further, the attorney used at closing and approved by the title insurance company later was convicted of embezzlement and was sentenced to prison. Suntrust has acknowledged the problem and filed an internal complaint and I was given a customer advocate. Then it was sent to legal according to the customer advocate where it has disappeared. Now no one returns my phone calls. The loan administrator for SunTrust for the loan is XXXX XXXX. She can be reached at ( XXXX ) XXXX. She reports that the case is now out of her hands. But she has all relevant documentation to this case. I also have documentation that supports my assertions, which I am happy to share with you beyond the 2 files I have attached. Will you act on this? XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, NC XXXX XXXX ( XXXX ) XXXX
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| 09/26/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
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|
Web |
Older American |
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This is the XXXX time I have felt it necessary to file a complaint about Suntrust Mortgage ( see CFPB case # XXXX ). On XXXX XXXX, 2015 I started the process of doing a refinance with Suntrust, which has been my mortgage company for many years. Because of my good credit history in general and with Suntrust I was told at the time that this should be a fairly easy refinance. After now making XXXX additional mortgage payments at the old rate of 6 %, with another coming due the XX/XX/XXXX, I still have not closed on my refinance. I have heard many excuses for the delays none of them involving a problem with my account. The latest incident was this week when I was told on Tuesday XXXX XXXX that Suntrust was ready to close and they setup an appointment for a notary to meet with me on Friday XXXX XXXX to sign. On Friday the notary called me to let me know that they had not received the documents from Suntrust and they were not responding to there emails. After I contacted Suntrust a new appointment was set up for the next day, Saturday the XXXX. At XXXX on Friday the notary called me to tell me I needed a certified check to cover some of the closing cost. Suntrust had never said that I would need to cover any closing cost in fact they have always said those costs would be rolled into the refinance. With the banks closing at XXXX for the weekend there was no way to even get a check if I had wanted to. In addition to that the notary made mention that my wife would need to be at signing. I have n't been married for 12 years and in fact Suntrust had requested a copy of my divorce decree which I provided, two months prior. In the mean time another week slips by as I wait for this " simple refinance '' to be completed.
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| 02/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
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XX/XX/XXXX there was fraudulent activity on our account. Both my daughter and myself are on this account together. The account was scammed in the amount of XXXX. There were two separate checks put into the account by a scammer on the XXXX in the amount of XXXX and XXXX. My daughter called the bank on the XX/XX/XXXX to alert the bank of the fraudulent activity on the account. She was told to contact the fraud department for further investigation. Once she contacted, she was further instructed by the fraud department that she was responsible to repay all monies at this point. This was before the investigation even started. From here on out we have not been called back to be updated on the status of this claim. The amount in question totals XXXX. This was the final cleared amount from the fraudulent checks. We are now being told that we would have to repay this amount. There was no help from the bank in this matter. We were advised later on after case was opened, to file a police report. We have complied with the bank and filed the report. Since the report was filed no one from the bank even asked for a copy of the report. Or even further investigated into the matter. This matter has been going for a month now. As of today I visit my local bank in town to speak to the branch manager again, only to find out he was not in. I spoke to an assistant of his to was tying to assist. She was able to get a hold of a manager in the fraud division. I spoke to the gentlemen in the fraud division who then proceeds to tell me they have closed the case. We are now being threatened to be taken to collections for XXXX. This case has not been resolved or fully investigated. I am seeking help. Where is the consumer protection?
|
| 08/10/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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Suntrust Bank that I had at least XXXX personal and business accounts for over 25 years decided to close my accounts for no reason.
I was on travel XX/XX/XXXX and I was trying to use my debit card to purchase my return plane ticket from abroad and I could not access my debit card and I could not get explanation from a representative why I am not able to use my card.
This caused me a huge inconvenience while I was XXXX miles away and was not able to have access to all my fund/debit card.
Upon my return home, I found/received several letters from SunTrust that they will close all of my XXXX accounts by XXXX XXXX. In the letter, all my accounts were listed except XXXX.
In this letter they listed XXXX of my account including my money market, savings, checking and payroll accounts. The only account they left unclosed is XXXX business account.
This devastating irresponsible action by Suntrust had left me a mess. All of my bills was paid by a bill payer, my mortgage, utilities, life insurance etc.
After being a loyal customer to Suntrust for so many years without bouncing a check or any problem to my knowledge they abruptly interrupted my accounts and it is still a mystery. This has caused me huge inconvenience until I get another bank to resume my life. There were a couple of checks that were written to Suntrust from my checking account in XX/XX/XXXX that I requested for an investigation because the amount on those checks were over XXXX I never received an answer till date.
I doubt if that is the reason they decided to cancel my accounts.
I would like an explanation of the XXXX checks written to Suntrust in XX/XX/XXXX and I would like to know the reason why my accounts were closed causing me distress.
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| 12/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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On XX/XX/XXXX I received in the mail a check from cashing in some of my XXXX stock I called Suntrust bank ( XXXX ) the same day XX/XX/XXXX and asked when will my check clear because I need the money for my XXXX year old XXXX items that she wanted. I was advised during the conversation on XX/XX/XXXX that my check will clear in the morning. On XX/XX/XXXX I checked my account and noticed that {$200.00} was cleared and the balance of {$51.00} was being held until XX/XX/XXXX. So I transferred the {$200.00} that was cleared into my savings account which left me with a balance of {$11.00}. I have no idea what happened within 20 minutes but by the time I got to a gas station trying to get {$10.00} in cash I had insufficient funds ( How embarrassing in front of everyone at the store ) Now here I am with no gas to get to work. I called Suntrust Bank when they opened and spoke with a representative whom at that time told me that she will speak to the department who can authorize an early release of my funds. Imagine my surprise when the representative informed me that she spoke with the authorization department and they informed her that this check most like isnt going to be cleared as if the check was fraudulent. On top of all of the the hold was extended an extra week which means my daughter XXXX check wont clear until XX/XX/XXXX. This is so wrong on so many levels, the check is legit, from my stock. Also I would like my phone calls pulled and investigated because I know that no one from neither XXXX nor XXXX XXXX company told Sun Trust at XXXX on a Saturday morning that something was wrong with my perfectly legit check. They are taken away access to my funds for XXXX no fault of my own and I would like to Sue.
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| 07/30/2016 |
Yes |
- Bank account or service
- Checking account
|
|
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Web |
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On XXXX/XXXX/2016, I deposited a third-party check into my checking account at Suntrust Bank and received cash back in the amount of {$350.00}. I countersigned the check. Myself and the individual whose name the check was originally made out to signed the check in the presence of a bank teller and also presented valid state-issued identification to the teller. At the time, my checking account balance was {$4.00}. On XXXX/XXXX/2016, I discovered that a 7-day hold had been placed on the check. This meant that I would not have access to the funds until XXXX/XXXX/2016. Had I been informed by the teller of this hold, I would not have deposited the check into my account. In addition to the hold, a maintenance fee of {$7.00}, which I have never paid during the entire time that I owned the account, was charged against my checking account. Because I had a beginning balance of {$4.00} and received cash back in the amount of {$350.00} at deposit of the {$4500.00} check, my account is presently at a negative of {$350.00}.
Here is a breakdown of the transaction : {$4.00} ( beginning account balance ) - {$7.00} ( maintenance fee ) = $ XXXX $ XXXX ( negative balance following maintenance fee ) + {$350.00} ( cash back at deposit ) = $ XXXX As you can clearly see, I did nothing wrong in depositing a check into my checking account. The purpose of a personal checking account is avoiding fees associated with cashing a check where I do not bank. Suntrust Bank failed me on multiple levels including failure to disclose a maintenance fee. If it were not for the maintenance fee, my account would not have gone into negative status. As a result of the negative account balance, I will now incur a {$36.00} fee from the bank.
|
| 11/23/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I have banked with Suntrust for almost 20 years now. I have never been a fan of their customer service but there financial products are some of the lowest cost I have found.
I recently visited my local branch customer service person to request information about rates and terms on a cash-out home mortgage. I was required to provide my wife and my personal and financial information to obtain rates for their refinance product. In the process the person I was working with made reference to a CC promotion they were offering. I stated it sounded good but wanted to focus on the refinance inquiry.
Long story short : The bank issued a CC to both my wife and I. Each credit card with a XXXX credit limit. I signed nothing, I asked for nothing and they issued it anyway!!!
My wife and I have outstanding credit ( XXXX ) and debt to income ratio. We are debt free besides our home and the mortgage on an investment property we recently purchased. We are currently exploring purchasing an additional investment property.
Suntrust has increased my available credit by XXXX without being asked to do so, and with no verbal or written request. Nothing was signed or filled out by my hand or my wifes!! HOW IS THIS LEGAL????? To make matters worse the cards issued were not even as described. The rates and terms were not as described by the banker.
I went back to the branch and visited the manager who stated he would cancel the cards and have the activity expunged form my credit report. I do not feel comfortable asking Suntrust to act in my best interest and protect my Credit score.
Do I have other recourse? The transaction was dirty and I feel at the mercy of a mega-bank who can act without consequences. Am I XXXX?
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| 12/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
|
|
I contacted Suntrust to advised I had been scammed with an online loan company. They put a block on my account. When I went into the branch the next morning the Branch manager advised Suntrust was closing not only my checking and saving accounts but my sons as well. They had decided not to do business with us any longer. Mrs XXXX the branch manager cut up my ATM card in the middle of the branch and advised they would not give me any of our funds from any of our accounts. I had $XXXX money and I am a single mother of XXXX at the time that is out of work on XXXX. When I asked for at least $XXXX in gas to get the kids to school she advised there was nothing they could do and told me to get out of her branch. This is all on tape. I have called every day for 2 weeks and no one will release out money. It is only $XXXX. Since this all happened we have had my sons pay check bounce back to his employer and we can’t get that money. Cell phones have been shut off. Car payment was late. I have had to pawn my grandmother jewelry, my jewelry and other items in my house just to pay bills and put groceries in the house. I also have had a XXXX XXXX due to all of this cause of all of the stress. I do not have the money to hire an attorney to file a suit against Suntrust. Everyone has been extremely rude. I have been yelled at and treated like a criminal instead of the victim in this situation. I had written a check for XXXX work that has bounced and now my XXXX won’t touch my XXXX. I also lost a brand new job cause my car was repossessed and I didn’t have transportation to work. Suntrust has put my family in a horrible hardship over $XXXX freeze of my accounts! That happened on XX/XX/2019.
|
| 08/04/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
XX/XX/XXXX I was recovering from a XXXX which kept me from working from XXXX XXXX. I contacted the bank to let them know my payments would be delayed till I return back to work in XXXX XXXX. Two months later sent them a check for payment and some extra to show good faith and they sent it back with foreclosure notification. I cashed out all my savings and my whole life policy and tried for 6 months to pay in full and reinstate my loan, employees stated that the lawyers were holding things up. Finally by XX/XX/XXXX I reached a XXXX XXXX whom agreed to take my money ( XXXX ) and reinstate my loan, however he took my money but did n't reinstate my loan. I called every day for weeks and then hired a lawyer whom scammed me for XXXX and is currently in bankruptcy proceedings. I was at that point force into applying for modification which I did over and over, I 'd send in papers and they would send foreclosure papers for 3-4 yrs this went on, finally XX/XX/XXXX an employee called and told me I had a modification ( truthfully I did n't care what the terms were I felt I did n't have a choice and wanted the madness to stop. ) I do n't know if they gave me credit for the monies I wired in but I know I have been paying interest on fee and penalties they tact on to my loan over that period which I feel is unethical given my situation and the many attempts I made to reinstate my loan. I sought out a lawyer recently and was told I was beyond the statues of limitations 3-4 yrs, have tried to speak with SunTrust several times but they have not been helpful. My payments are very high I will not be able to hang on to my HOME much longer especially with interest rate that will increase every yr for the next 5 years.
|
| 12/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I opened an account with Suntrust banking the end of XXXX, i deposited funds on XX/XX/XXXX which was a workers check, within the next day my account was frozen and i was told my funds were being put on hold. Few weeks later I received a letter in the mail saying i will receive my check in the mail within 5-7 business days. Within that time frame I did not receive the funds in the mail, so I called back and was given a different time frame of two weeks and was to my funds was pending reclamation from the finacial institution, after that time frame I reached back out to the bank and was then that theres no time frame on when I will receive my check because pending reclamation can take several months, which I didnt understand because it wasn't a personal check it was a workers check, and Ive been told there was nothing I can do about the situation. I tried to get my employer to write another check but i was told Suntrust processed my check and that they couldnt write me another because it looks like im asking for funds that I already have. Within that time my life turned upset down a lot of bills was pushed behind and I lost a few things due to not having any funds for a month. Finally after waiting three months on XX/XX/XXXX, i called back and was told that my account was still -ending reclamation but I was told a different story. I was told that my employer bank has to contact Suntrust so that they can release the funds back to my employer bank so that i can receive my funds because they will not be able to send that check back towards me. So I explained that I was given a different story for three months when this couldve been handled different and she sounded flustered and hung the phone up.
|
| 06/22/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust Mortgage Inc serviced my mortgage XX/XX/XXXX. Property coat {$280000.00}, down payment {$70000.00}. I applied for modification XXXX XX/XX/XXXX I received a illegal type of modification. The loan was sold/transferred without my knowledge to XXXX. I went to see the vice prespresident of Suntrust. XXXX XXXX. denied the transfer. XX/XX/XXXX I went back to the branch, VP XXXX XXXX. Stated my mortgage was sold for {$210000.00}, the exact amount which I borrowed. Suntrust continued withdrawing my payments & also sent the same amount to XXXX. Months of payments shipped by XXXX to XXXX XXXX, these checks where signed & cashed without informing XXXX, or applying any payments to my mortgage.XX/XX/XXXX the property sold. XXXX pay-off {$26000.00} delinquent charges to the credit agencies. The loss of my Credit History distroyed by Suntrust reporting illegal negative statements this ongoing dispute began XX/XX/XXXX My loan was not underwater. I made my monthly payments using my Suntrust Sure Pay Checking & Savings Account. I met with VP XXXX hurried outside, her father just passed away. I walked with her to her vechical, she looked at me and stated, " I 'm sorry XXXX '' I can not access a Suntrust Mortgage Acct that is closed. But if I where you, I would get my money & close your acct. I was devastated, afraid, totally depressed. Scheduled for my XXXX XXXX XXXX XXXX, it was all bad. Made me sick I needed a reason to live. So, I prepared my home for immediate sale.XX/XX/XXXX, three months later I walked away with {$1400.00} dollars. Today is XX/XX/XXXX Please help me out here. Suntrust XX/XX/XXXX must comply to the credit agencies by written facts recorded deed Satisfied Paid Account Closed. Thanks
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| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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Ive reached out to Sun-trust recently about the closure of, y account and there statement was that after an investigation into the check deposited on XX/XX/XXXX19 they would release funds. I've tried to provide them supporting documents that show that the check was valid as well as a contact number and emails from the lawyer. But they are refusing to allow such they have even refused to provide me with a way to get in touch with there arbitration Dept. I spoke with 6 representatives today XX/XX/XXXX2019 and heard several conflicting stories so while i'm here in Texas I decided to record 2 conversations ( which is legal in Texas with one parties consent ). They stated that the funds would be returned to the sender then i called back and they stated the funds would have to be requested from the Bank on the check. The accountant XXXX From the law firm was also on the phone and heard this and was baffled and spoke with the rep who stated that the funds would be return. Then she was even more baffled to know that the story changed. In the mist of this i was told my account was closed due to depositing a fraudulent check. also to add they took put a paycheck i had direct deposited in the account on hold as well. XX/XX/XXXX has stated that the check has cleared and they arent requesting the check back and Suntrust has no right to hold my funds on suspcion of Fraud. Theres nothing in the agreement i singed that says they can do such. Suntrust has the right to close the account when they see fit but they dont have to right to hold funds until they fill fit, In the agreement i signed it says that suntrust will release fund upon clossure of the account and the account is closed. ( see all attachments )
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| 07/26/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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around the month of XXXX 2017 me and my wife had let a friend stay with us which had fallen on hard times. during this time while we were at work he got on are computer and ordered things using are pay pal account are user named and password were stored in are computer which gave him easy access to are information. i alerted suntrust bank when we learned of these transactions and opened a dispute with them. a provisional credit was issued to us for the claim. this provisional credit became permanent. at the same time as the provisional credit was issued more transactions were attempted taking the provisional credit away from the not authorized transactions. upon noticing this a call was made to sun-trust again to open yet another dispute which was opened and closed in a matter of 2 days and denied even tho they were from the same batch of transactions the bank approved as fraud. making matters worse the bank did not block more transactions from going threw they allowed multiple attempts at a nsf fee of XXXX to add up to more then XXXX dollars. even after emailing the bank to block all attempts from pay-pal to remove funds. after several attempts to get this fixed i received a notice of collection from sun trust bank. i called there disputes dept and was told there was nothing that could be done at this point as the matter had been given to the collection agency and i had to call them. i filed a BBB complaint against sun-trust which quickly got a response from them that now a rebuttal form was being sent and they would look into my complaint which they denied was not even possible when i called them. i sent in the rebuttal form via usps around a month ago and received nothing from sun-trust.
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| 01/31/2017 |
Yes |
- Consumer Loan
- Installment loan
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- Managing the loan or lease
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Web |
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I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance.
They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today!
I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account.
For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX.
Have a great day!
Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.
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| 06/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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The company closed our accounts including 1 checking and 2 savings and we are not sure of what they did with the XXXX, XXXX and over XXXX dollars that were in the accounts. 2 were minor childrens acts.
In The second situation, the acct was overdrawn by XXXX dollars for 8 months even though, primarily because of more than 5 overdraft fees sometimes in a day!
We had our Dept of Treasury direct deposit of XXXX going into the account monthly from XX/XX/XXXX through XX/XX/XXXX with no progress. The account remained in an overdrawn status with 3 transactions coming in less than {$50.00} over this 8 month period.
The bank acted as though they Never received ANY monies for our account and therefore kept charging the account unlawful fees. We feel this was retaliatory because we complained to the bank manager in late XX/XX/XXXX that {$200.00} was missing from the account and was taken over the counter on a day I could not leave home due to car trouble!
When we presented the police reports and datelogs, XXXX responded that bank policy would allow fees to be stopped on the account and a credit applied. She never responded to our requests for assistance. In XX/XX/XXXX, we halted our direct deposit through the Dept of Treasury, less than 3 weeks later they closed our account. A total of 8 months later, still with no resolution. This was my minor childs account for 3 years. We have lost complete confidence in these two banks.
PS. Until today, the first bank is still hiding my money in an invisible account, which I need because I am paying my Sons tuition out of pocket for now and a daughter I am preparing for college next year Thanks for your help. I pray Justice is Served!
Thank you fo
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| 07/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/XXXXXX/XX/XXXXI opened both a Checking and Savings account online with Suntrust. In order to open the accounts I transferred XXXX dollars and XXXX dollar from another bank. On XX/XX/XXXXXX/XX/XXXXI went to a local branch to add my wife to the account as well as apply for a credit card. We deposited XXXX dollars into the checking account from an account my wife owns with North Carolina XXXX XXXX XXXX XXXX NC XXXX account while we were there. On XX/XX/XXXX I was informed that my account had been closed and that I would receive a letter detailing why. I called and was told suntrust holds the right to close any account for any reason. The letter that followed explained nothing more than that. I received a letter saying that they were holding all funds for investigation and if any could be returned they would be returned. Both the XXXX dollars and the XXXX dollar checks were returned but the XXXX dollars was still being held. I called again and they stated that I should call the issuer of the checks to stop payment. I called NC XXXX and they stated that the checks had cleared therefore they could not stop payment. I called suntrust back to tell them the NC XXXX answer and was told that the money was not able to be released because they were holding it for possible reacquisition. I called NC XXXX to see if they could reacquisition the funds to speed up the process and they stated they could not. Suntrust is holding my money for no reason, it is unethical as I have never broken any laws or done anything wrong. I am no longer a client therefore in my book they have essentially stolen my money. We are a young family and I am XXXX XXXX therefore funds are tight. Please help us.
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| 12/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
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I called SunTrust to close my checking account as I moved and the closest SunTrust is over 3 hours away. They refused to close my checking account over the phone. They said that because it had more than {$100.00} dollars there was some kind of security confirmation and they asked for my phone number. Then they said even though the number matched the one on my account and they could see it was the phone I was calling them from that it didn't pass their " third party verification '' test. My cell phone plan is in my wife 's name so apparently that fails the test despite the fact that she is also on the checking account. I told them to just close it and send a check to the name and address registered on the account that's been the same for more than a year. They refused. I asked them to do their extra security verification in any other way since their " third party '' cell phone number verification was not working. They refused. I got a manager on the phone and she also refused to close my account. They stated that I would need to withdrawal all the money so that the balance was under {$100.00} dollars or they wouldn't close it. There is a {$3000.00} min balance on my account so doing that would likely result in generating a fee, but they didn't care. The manager told me the only way to avoid the fee would be to change my account type, but the new account type came with a $ XXXX monthly fee. She said if I hurried then I could remove the money and close the account to avoid the fee. This is very unacceptable in my opinion. No bank should be able to refuse to close an account in good standing and proceed to make the customer jump through hoops to hopefully get it closed and avoid fees.
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| 03/28/2017 |
Yes |
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- Credit line increase/decrease
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Web |
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I reached out to SunTrust Bank via electronic banking secure messaging to inquire about increasing my credit limit. I explained in detail my request and concerns I had regarding the process, specifically whether a " hard inquiry '' is required for this process. I was instructed to contact the XXXX number for further assistance. I called the number provided to request they review my account eligibility for an increase to my credit limit. Their touch-tone phone menu was incredibly frustrating, and would not allow me to press " 0 '' ( to speak with a representative ). The automated system insisted I choose an option, for which none were relevant. I had to hang up and call a second time using the voice commands in order to be able to speak to someone. Once a representative answered ( XXXX, sp? ), I was told that more information would be needed and that they would need to submit a credit application. Before I allowed the associate to continue, I inquired whether this would result in a " hard inquiry '' or a " soft inquiry. '' I was told that consideration for a limit increase would result in a " hard inquiry ''. Therefore, I declined to move forward. I find this practice predatory on consumers. First, the E-Banking specialist should have indicated in his response that SunTrust requires a hard inquiry, especially considering I communicated my concerns. Secondly, SunTrust already has updated credit information pulled monthly, so I see no justification on why they feel it is necessary to pull a new report. They have their own account relationship data, as well as monthly updates on credit reports that can be used to " score '' whether or not a consumer is eligible for a limit increase.
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| 05/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
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Within a five month period Suntrust mortgage has gone up on my mortgage over {$1400.00}. I went from paying {$4100.00} a month to effective XX/XX/XXXX to {$5400.00}. XX/XX/XXXX was the first raise from {$4100.00} to {$4700.00}, then I received a notice in the mail yesterday that it is going from {$4700.00} to {$5400.00} all this within a five month period. Approximately in XXXX or XXXX of XXXX they sent me a letter stating that their flood maps, not FEMAs, has me in a flood zone and they were giving me a flood insurance policy of approximately {$2700.00}. To me it is not fair impose on such a hardship for me to keep my family home. I have attached FEMA flood maps, the Suntrust letter informing that I am in a flood plain on their maps, the documentation that they sent me saying that I have a {$5000.00} deficit in my escrow and that is why my payment is going up to {$5400.00}. Im not delinquent and I have not missed a payment. I have gotten no notification from the county that my taxes have gone up. Suntrust gets a notice every year from the county showing what my taxes are, and they have not increased, so I dont see how there is a shortage in the escrow account. In addition, they now sent a letter stating that they have cancelled the insurance, without telling me what insurance was cancelled, or without reduction to my payment. They also have moved it to another servicer, but Suntrust still owns the loan. Also, they have removed the loan from my credit report. For Suntrust to raise my mortgage by almost {$1500.00}, without a justified reason, has caused me great hardship. I am sending some information now, and will upload additional documentation within the next couple of days.
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| 03/07/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Mortgage Servicing Fraud False fraudulent statements by XXXX XXXX and XXXX XXXX Not sure why Suntrust would employ XXXX fraudsters in the banking business to deal with issues of this nature - XXXX employees that constantly provide written falsified evidence even in contradiction with the Suntrust statements - maybe they believe that the borrower has No original receipt or statements? Well No such LUCK!
Suntrust employees providing falsified written evidence about the time line when payments were received -letters do not correspond the statements or payment receipt.
This will only address the late fees charged by SunTrust for the XX/XX/XXXX, XXXX & XX/XX/XXXX payments@XXXX which were made on time and also reported delinquent to the CRA 's.
The borrower was charged late fees for these on time payments ( see attached letter ) Suntrust XXXX XXXX after her investigation states that : - XX/XX/XXXX payment was received XX/XX/XXXX ( see letter ) when infact it was XX/XX/XXXX according to statement & payment receipt.
- XX/XX/XXXX payment was received XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt.
-XX/XX/XXXX payment was made XX/XX/XXXX ( see letter ) XXXX when in fact it was XX/XX/XXXX according to statement & payment receipt.
By concealing the time line of these made payments Suntrust will try to conceal & justify {$280.00} charged for late fees.
The late fees charged for XX/XX/XXXX through XX/XX/XXXX for all on time payments will also be addressed a total of {$920.00} ( including the above {$280.00} ).
It took years to gather evidence against these XXXX individuals ( some of the responses are letters addressed to my CPA )
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| 10/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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I do not have overdraft protection selected on my SunTrust personal checking account. I do not want my bank to honor charges that would put me in a negative positive, therefore, I did not select this coverage on my account. I have not been using the account as of late and there had been low/no activity on it and I have not been putting money in. My XXXX account is billed to this personal checking account through this debit card. On XX/XX/2018 there was a balance in the account of XXXX and on XX/XX/2018 XXXX successfully billed my debit card for XXXX causing the account to overdraft and incur a XXXX fee. As stated prior, this account has been dormant and I haven't checked it frequently. On XX/XX/2018 the account incurred a XXXX maintenance fee and then on XX/XX/2018 incurred another extended overdraft fee of XXXX. I was not made aware of this until I received a letter on XX/XX/2018 from Suntrust stating that my account was overdrawn XXXX. I called the company and asked them to please explain to me how a charge could go through if I do not have overdraft protection selected on my account and the representative stated that " recurring charges '' where an individual has given someone their card number does not constitute this rule. Personally, the overdraft fees charged are exorbitant which I try to avoid at any cost, and I think that it is deceptive that if I have elected that a bank to not permit a charge to go through that they should honor that request. I don't care that XXXX has my credit card information on file. I would rather them disrupt my service and flag me to fix billing on their end then have SunTrust disregard my request so they can collect their excessive fees.
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| 05/24/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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SunTrust Bank debited my mortgage payment account {$17000.00} on or about XXXX XXXX . They reversed mortgage payments that I had made in XXXX XXXX , XXXX XXXX & XXXX XXXX on my loan. All on time and without incident. They took the money without my consent and used to pay a legal settlement they entered involving a bankruptcy trustee that had sued SunTrust for payments they accepted on my loan six years ago. Without my knowledge and without me ever being a party to that lawsuit, they settled the matter and used my money to pay for it. They intern filed a foreclosure suit saying that I was three months past due ( the payments they reversed ) and would n't accept any future payments. The whole time I was paying timely on my loan. They basically stole three payments from me to resolve a legal matter that I was n't in. I was forced to hire a lawyer to defend the foreclosure and eventually settled the matter by paying XXXX back as settlement for the XXXX they paid to the bankruptcy trustee. I also had to make all the payments that were due from XXXX XXXX through XXXX XXXX . They received and cashed all the payments that were required in the settlement and yet now they are refusing to accept my XXXX XXXX & XXXX XXXX loan payments that have been sent to them via federal express each month. On XXXX XXXX , XXXX I received a notice of default saying that I owe the XXXX payment and any subsequent payments, all that I have made to them and confirmed that they received. Suntrust has refused to live up to their end of the settlement and is now threatning me again to take my house. I do n't know what else to do. They must be stopped.
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| 06/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I pay my mortgage with direct withdrawal from a bank account with the same bank, Suntrust, that owns my mortgage loan. My payment is a little over {$900.00} a month and I pay {$1100.00} XXXX a month ( I just raised the amount to XXXX from XXXX ) with the additional amount put toward my principal. I have specified multiple times ( verbally and in writing ) that this amount was to be put toward my principal. Several months into paying my mortgage, I started receiving a " Prepayment Notice '' telling me they were applying this extra money to my mortgage payment and not to my principal and that now I did n't need to pay my mortgage for XXXX months. The prepayment notice includes the following phrase : " In accordance with Suntrust policy, any amount received over the minimum monthly payment, may be applied to your principal balance. '' The verb " may '' is of course used here to indicate that early principal repayment is possible, though has not been done in this case - even though I have repeatedly asked that it be done and it was being done. I visited the bank after receiving the first of these notices and a banking representative discussed the situation with the " Exception Payment Processing Department '' to again let them know that I am not prepaying my mortgage, but rather prepaying my principal. Instead of correcting the problem, I now have received another of these Prepayment Notices which indicates that Suntrust is not applying my extra payments to my principal and has not been doing so for long enough to have amounted to full prepayment of XXXX - XXXX entire mortgage payments. This is stealing. Can you please help me and the many others who have had this problem?
|
| 05/01/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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|
Web |
Servicemember |
|
I opened my accoun t with SUNTRUST ba nk in XXXX virginia XXXX of XXXX , I have had several instances of fraudulent activities where the bank authorized payments to charges I did not make, usually they would appologize and fix it but this has happened several times.My latest issue with the bank stems from a policy change they failed to tell me about.When I opened the account, I explained I am on XXXX and only recieve {$1000.00} a month, so They set my account up that as long as I had {$1000.00} deposited monthly there would be no fees other than the usual overdraft protection.Well XXXX XXXX of XXXX they instituted a new policy, and failed to even bother to tell me my policy changed to {$2000.00} in deposits or I would incur a $ XXXX monthly maintenance fee.I recieved no letter or call stating this fact.I have been fighting the bank for 3 months telling them they never informed me o f this fact.The first two months were fine, they reimbursed the maintenance fees, but the last 2 months, like clockwork Ive gotten the fee, even though they never informed me at all I had to pay.Only way I found this out was to call and launch a complaint against the bank.Not only that I have recently learned I am not the only person they 've done this to.Apparently.they are being sued and this is how they intend to cover their losses.Which not only is horrible business to the point that Im pulling my direct deposit out, Im seriously considering filing a formal lawsuit against them for mismanagement of funds.I will be getting all of my banking documents from them and going to a lawyer this week and see what can be done about their gross negligence and handling of my accounts.
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| 09/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
Older American |
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My husband and I applied for a loan to build a pool at my property. I have a XXXX credit score and my husband has a 800+ credit score. I have {$80000.00} in the bank, I own a property with over {$300000.00} in equity and I make {$60000.00} a year W2 income in addition to my social security and my husband 's pension.
I filled out the application online and was asked to call and verify some information. I called and verified everything and they said they needed to speak to my husband. I was at work, so my husband and I called back later. The girl who spoke to my husband insinuated that she did not believe that we filled out the application on line. She asked my husband " did you fill out the application or did someone help you? '' She was very condescending and it was apparent that she did not believe people of our age ( 80, 81 ) should be borrowing money.
A few hours later I received a denial letter. The denial stated I had too many late payments. I called Lightstream and asked them to go over with me what the denial was about and I alerted them to the fact that I felt like age discrimination was in play. He said that I had a few late payments on my report and that was the reason. I asked him if they had a policy of how many late payments were acceptable and he said it was case by case. I told him that age discrimination was against the law and he offered to resubmit the application. The next day I received the same denial email.
I feel very strongly that if my application were compared to any other with a XXXX credit score, there would not have been a denial. I am convinced that Lighstream broke the law and discriminated against my application due to my age.
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| 08/18/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I had a checking and a savings account with SunTrust Bank, On one occasion I had received a check for {$2500.00} in the mail that was deposited and placed on hold by the bank as standard procedure. While the check was on hold no debits were paid out on the deposited amount and no ATM withdrawals were attempted or processed. During the hold process over several days, the bank sent a letter stating that they could not verify the funds with the bank listed on the check and the deposit would not be credited to the account. At that point I assumed that was the end of the issue and that I would just need to subtract the amount of the proposed deposit and pay the {$15.00} dollar handling fee and later contact the business that sent the check for restitution. What took place unfortunately was Suntrust Bank went ahead and added a number of additional charges, closed my account and sent a report to XXXX ... ..stating that the account was closed due to Fraud in XXXX 2014. Since that time I have contacted XXXX. to dispute the case and in the process Suntrust Bank does not provide any new information to help resolve the issue, they only send the a verification that a report was submitted under my information back as a response to the dispute when filed through XXXX When I contact SunTrust customer service at XXXX XXXX XXXX XXXX XXXX I 'm repeatedly told by representatives that take the call that since the account has been closed more than thirty days, they can not provide any account numbers, account information or even a number or link to a department within SunTrust bank that could help me. At this point I have no way to effectively dispute or obtain closure to the issue XXXX
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| 12/15/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account status incorrect
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Web |
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SunTrust bank has caused me as well as my family much anguish by charging off a SunTrust auto loan account which was paid as agreed. In XXXX 2017, Ive received a phone call from XXXX, a SunTrust Bank representative, notifying me that my auto loan was about to mature and that I must pay a final payment of approximately {$3200.00}. I explained to XXXX that I could not make the high payment of {$3200.00} at the time. I asked XXXX would SunTrust Bank allow me to continue to make regular payments of {$300.00} a month until the loan was completely paid in full. Since I had never been late or missed a payment previously, XXXX, agreed that SunTrust Bank would indeed allow me to continue to make regular payments of {$300.00}, in which I faithfully paid every month thereafter. Not only did I pay as agreed, I also made double payments whenever possible in order to speed up the process. However, after paying as agreed and getting my balance down to around {$1000.00}, on XXXX XXXX, 2017, SunTrust Bank, being the predacious institution that theyre, charged my account off and caused major grief to myself as well as my family. Knowing that the charged off account would destroy my credit rating for seven long years and cause unforeseen hardships upon myself and my family I decided to pay the {$1000.00} payment to SunTrust via the collection agency, XXXX, in order to pay the loan in full. This charge off is especially concerning to me since it also affects my XXXX grandfather, XXXX XXXX XXXX, who co-signed with me for this loan. At this point, all I wish is that SunTrust Bank would have a little compassion and honor their agreement and change the account status to paid as agreed.
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| 12/28/2016 |
Yes |
- Prepaid card
- Gift or merchant card
|
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Web |
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I possess a Sun Trust Visa Prepaid Gift Card in the amount of {$120.00}. I have never activated or used this card. The Card does not expire until XXXX2019. I should have a balance of {$120.00} on the card as it has never been activated or used by myself. However, SunTrust Bank has taken {$100.00} in fees for from the card before I have even used it. There is now a {$25.00} balance on the card due to fees that were taken without my knowledge or authorization. I am very upset and perplexed and I feel that this is immoral, unethical and theft of services on behalf of SunTrust Visa. I never entered into or signed any legal contracts agreeing to the terms and conditions of this card. I was not aware that funds would be withdrawn from the card by the bank until I checked the Balance on the card. The Bank was paid in full by the purchaser of this card and now they are taking the funds back for absolutely no reason. The Bank received the amount of {$120.00} from the purchaser and they are taking the money that they have already been paid. I find this to be a travesty and illegal. So now the Bank is making {$240.00} from a card that is worth {$120.00}. How can they sell the card and then take the money back. The card does not expire until the year 2019. I have never activated nor used the card. So why have the fees been taken? This is a travesty and unethical for the Bank to take Fees on a Card that was Paid for. I should not be penalized for this. I have tried to speak with a Supervisor who claims there is nothing he can do for me so I am filling this complaint. It is with great hope that Justice will prevail in my favor and that the funds will be reimbursed to me.
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| 02/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
Servicemember |
|
On or about XX/XX/2015, my ex-husband stole my identity and purchased a vehicle in my name without my authorization. When I first learned about the theft it was through an alert from my credit monitoring service. I immediately filed a police report documenting the theft. At the time I was unaware of how my information was stolen or who stole it. I have tried to have this information removed from my file by way of disputing with XXXX ; however, the creditor, Suntrust Bank, continues to place this debt on me despite sufficient proof of fraud/identity theft. Early this year I received an legal affidavit from a person who identified themselves as XXXX XXXX. In the affidavit she admitted to conspiring with my ex-husband to use my identity to purchase a vehicle in my name without my consent. Upon receiving this notice I immediately went back to the originating police department and filed an updated police report. I also contacted XXXX to put them on notice to have the information removed from my credit. After waiting two months XXXX stated Suntrust alleges the information is accurate. This information is not accurate. My identity was stolen by my husband during our divorce process. He used my identity to open several financial accounts in my name as well as file taxes. He used an address in which I've never lived. I have provided documentation of this and have filed a motion in court to have a judge rule in the matter as a result of the supporting documentation I've have. I also would like to point out that XXXX has sufficient information regarding the matter as well to ensure this fraudulent information does not continue to report falsely on my credit file.
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| 07/10/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
|
|
Web |
Servicemember |
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On XXXX XXXX, 2015, I filed an affidavit of fraud with Suntrust Bank, after reviewing my bank statement and noticing XXXX ( XXXX ) fraudulent charges for the period of XXXX XXXX, 2015. A total of {$940.00} worth of charges stemming from XXXX, Michigan was deducted from my account using my bank debit card information. After submitting the affidavit of fraud to Suntrust Bank, I was given a refund of {$120.00} for XXXX ( XXXX ) of the XXXX charges. I was told that I would need to contact XXXX directly to inquire about a refund for the amount of {$480.00}, in which I did, and XXXX was able to conduct a payment search, located the fraudulent charge and reimbursed the amount immediately. Suntrust Bank then gave me a provisional credit of {$460.00} for the remaining charges, which included a XXXX of XXXX amount of {$310.00}. Several days later, Suntrust Bank reversed the provisional credit all but {$120.00}, indicating that I have a past history of making payments to XXXX and shopping at XXXX XXXX. I do have a history of making payments to XXXX of XXXX XXXX XXXX, but NOT to XXXX of XXXX, which is were the fraudulent payments all stem from. I do shop at XXXX, but in the XXXX area, and NOT in XXXX. As such, I submitted a rebuttal to Suntrust on XXXX XXXX, 2015, and was then told that it takes XXXX days for the investigators to make a decision. I believe it is absolutely ridiculous that I have to fight a bank that I have been a customer with for over XXXX years regarding fraudulent charges. Further, it is beyond understanding why they were able to refund most of the other charges that were also made in XXXX, but refused to reimburse XXXX of the largest charges.
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| 06/24/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I am re-financing a home equity line of credit borrowed from SunTrust Mortgage. I am filing this complaint with respect to triple charging an inappropriate " fax fee. '' SunTrust has XXXX charged me a {$20.00} " fax fee '' on my account in connection with my refinance ( see attached " SunTrust Online Banking Detail '' ). I have never requested any fax nor am I aware of any contractual agreement I made to pay a fee for faxing. In addition, SunTrust does not customarily have a charge for faxing, does not publish such a charge ( see attached " SunTrust fee schedule '' ), or charges between $ XXXX, not {$20.00}, for " expediting. '' I did not request expediting. I am only aware of XXXX fax being sent by SunTrust ( see attached " Suntrust payoff '' ), but SunTrust has charged me twice on the account for faxing. Furthermore, the SunTrust payoff numbers include a third {$20.00} fax fee. Thus, SunTrust has charged me {$60.00} in fax fees -- none of which I requested or agreed to pay. The cost of faxing a document is less than {$1.00}. {$20.00} for a fax fee, if I had agreed to pay XXXX, is patently unreasonable and excessive. Finally, the SunTrust payoff includes a {$20.00} fee for " Misc, '' a {$10.00} " Release Fee, '' and {$200.00} in closing costs. I have agreed to none of these charges. " Misc '' is not an appropriate description of a fee. SunTrust 's own documentation ( attached " SunTrust fee schedule '' ) states they charge XXXX for release. I have not agreed to pay any closing costs associated with this loan. In short, SunTrust has added {$290.00} to the payoff for my home equity line with no basis. Several charges appear to be blatantly fraudulent.
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| 12/18/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My home equity line of credit ( HELOC ) has XXXX accounts. I recently went to a local branch and paid off XXXX of the XXXX accounts, about {$7000.00} of a total of {$23000.00} I owed. At the branch, the teller calculated that my new monthly payment, going forward, would be {$200.00}, which corresponds to what I calculated the new payment would be.
A few days ago, I checked the institution 's website which states, instead, that my new payment will be {$230.00} ( previously, before paying off XXXX of the accounts, my monthly payment was {$270.00} ). I called the institution to ask them to correct the payment information on the website to align with what I was told at the branch and which I think is correct. I was told that the website amount, {$230.00}, is correct. I asked for a breakdown of the payment and was told that, for example, on # XXXX, my new principal payment would be about {$140.00}. But currently my principal payment for that account is only {$84.00}. I asked why my principal payment jumped from {$84.00} to {$140.00}, and the agent on the phone could n't give me an answer. I pointed out that, if I paid {$140.00} in principal every month on that account, I would pay it off way before the ten-year payback period ends. The agent on the phone could n't explain why this is so.
In general, I told the agent that I could n't understand how it was that I paid off about 30 % of the total principal I owned but my monthly payment was going down ( according to the bank ) by only about 15 %. The agent could n't explain why this was. I think the institution is mistaken and needs to correct the monthly payment to align what I was told at the branch.
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| 12/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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On XX/XX/2018, XXXX at SunTrust Mortgage Servicing advised me how to mail a check of {$5400.00} from XXXX XXXX XXXX for fixing my roof. A XX/XX/XXXX cover letter to SunTrust 's Insurance Claims / Property Damage Department explained what I wanted done. XXXX 's check was made out to my wife and me as well as the mortgage companies. The first mortgage company, XXXX alone already endorsed it. XXXX said it would take 10-14 days to get SunTrust 's endorsed check back to us.
On XX/XX/XXXX, SunTrust manager, Ms XXXX XXXX admitted over the telephone that SunTrust had illegally deposited the check and applied it toward the principal of its home equity line, rather than return the endorsed check to me. Note : neither my wife nor I had signed the check.
The roofer was scheduled to start work on XX/XX/XXXX and I could not make the initial payment because SunTrust stole my money. Ms. XXXX assured me that this issue would be on an accelerated ladder, but she is still obligated to tell me that it will take 3 to 5 business days for the Research Department to look into this matter.
On XX/XX/XXXX, I received a message from XXXX??? with SunTrust Bank, asking me to return her call. I have returned her call every day since then and left a message on her voicemail. No call from SunTrust has been forthcoming. No check from SunTrust has been received either.
Luckily, the roofer replaced the roof on XX/XX/XXXX. But I haven't been able to pay them. And another check from the insurance company will be issued soon requiring SunTrust, XXXX, as well as my wife and I to endorse it before I can give it to the roofer for doing such a good and timely job. What am I to do?
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| 06/28/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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Suntrust Mortgage sent a letter stating I needed to provide proof of flood insurance because their system showed an update as of X/XX/2017 that changed my condominium 's flood zone from XXXX to XXXX. I contacted my home owner 's association ( HOA ) rep, and she stated that per the association insurance company, my property is not in a flood zone. With all the back and forth, Suntrust force placed flood insurance on the condominium unit. I got the notification today, X/XX/2017. The letter is dated X/XX/2017. I contacted Suntrust to find out what they used to determine my unit was in a flood zone and was on the phone with the insurance department for 30 minutes. I was checking the FEMA flood map for my address while I was on the phone with them and it shows clearly that it 's in zone XXXX. They finally admitted that they do n't have any documentation that shows my flood zone changed from XXXX to XXXX. They are requiring that I show proof that it 's not in zone XXXX. I am upset that they can force place flood insurance without any proof that my property is in a flood zone, and that I have to get proof to show otherwise. That 's like saying Suntrust thinks I 'm guilty and I have to provide proof I 'm innocent. Should n't it be the other way around? Should n't they have to show documentation of a change in the flood zone? My HOA would need documentation before getting insurance coverage, why is Suntrust allowed to force place flood insurance without proof? Suntrust should either show proof that my condo unit is in a flood zone, or take that insurance off as well as refund me the fees and interest they charged because of that insurance.
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| 08/01/2016 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I bought house in XX/XX/XXXX, mortgaged through Suntrust Mortgage. They forclosed on me and house was sold at auction on XX/XX/XXXX. In all, I was 3 payments behind, approx. XXXX. I was still trying to make monthly payments to not get further behind and try to catch back up. They accepted a couple payments then started returning them, not accepting the monthly payments and wanting the back payments in full. I was unable to and asked for help. They sent package to fill out and return, which I did and they received it on XX/XX/XXXX. Never heard anything from them as was getting close to auction, I called to see if they were gon na help, they said no, that I did n't get the paperwork to them in time. Said they needed 15 days before sale of house. Mine was there 12 days before sale of home. They did send me letter saying I was denyied help. Said they mailed it out on XX/XX/XXXX, but I did n't receive letter in mail until XX/XX/XXXX., 3 days after house was auctioned off. That 's 2 weeks it took to get a reply from them. My package for help I signed and mailed in could have taken that long to get there too, which is unusual and not my fault. So they could have gotten it 15 days before sale date and being that I have been with them for almost 10 years making payments you would think they would be loyal to their customers and accept my help. Obviously not!!!! Also wish I had known about lawsuit against Suntrust recently. I qualified for a settlement, enough to bring my account current, and not be homeless. I never received anything. Feel I was kicked out of my home by suntrust mortgage. I 'll never do business with them again. Thanks for the help!!!
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| 07/08/2017 |
Yes |
- Student loan
- Federal student loan servicing
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- Struggling to repay your loan
- Problem lowering your monthly payments
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Web |
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After I graduated from college I could n't afford my loan payments. My original subsidized loan balance was {$32000.00} unpaid interest {$120.00} @ 7 % interest rate current balance as of today is {$73000.00} according to XXXX. My original unsubsidized loan balance was {$30000.00} unpaid interest {$4200.00} @ 7 % interest rate, current loan balance as of today is {$63000.00}. Total loan balance as today = {$140000.00}. How? Why? I 've called several times to tell my lender there is a severe issue with my loan balance. I 've disputed it with all of the credit bureaus. I tried consolidating my loans to lower my payment and get a lower interest rate. I 've called my lender asking why is my balance of my loans so high? I have used forbearance and deferments for years. Finally I tried to file bankruptcy to get an affordable student loan payment. That did n't work. The only good thing that came from that was my Lender contacted me and acted like they were willing to help me get out of default. They lowered my payment for a year, I never missed a payment. They claimed they found a new lender for my loans XXXX XXXX . My payment was {$41.00} initially. XXXX XXXX, 2017 my loan payments went from {$41.00} to {$550.00} on the IBR Plan. I called and tried to see if there were any other options for a lower payment because I have XXXX daughters in college and I ca n't afford the payment. The customer service representative just kept saying there are n't any other options for me with my income and family size because your income has increased. The representatives are so rude and disrespectful, not helpful at all. Terrible attitudes and so unprofessional.
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| 01/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I have already submitted a 2 complaints and you closed one and said the other was a duplicate. Now 3 I have submitted for XXXX XXXX Suntrust account XXXX opened on XX/XX/XXXX and closed on XX/XX/XXXX regarding my {$10000.00} that they have continued to keep. See my attachments. First they were sending it in 15 days and then the second letter after you contacted them said they would be issuing the check on the XXXX of XXXX. Well, I just called them and they said they were going to continue to hold it. Now, I have tried with you and them. I have now hired a team of attorneys to get my XXXX plus all the damages we have accrued since the account was closed. And, boy are there some damages. Finally, I will get my money through the courts. I tried to tell you people that they sent my money to a money market account ... .and they did! I tried to warn you about the 3000 complaints against this bank. I just want my money and I want them to pay for all my damages that we have accrued because of them and pain and suffering we have been through ... you can't imagine, but you will see soon I ' very certain. You should have got my money back, but you canceled my claim and the 2nd one.
We will see what a judge says ... because I will not stop until I feel better about being victimized by Suntrust bank and those whom could of stopped this massive misuse of my funds! It's criminal!!!
We were smart enough to have witnesses on today 's conversation with Suntrust ... can't wait to get our money back we have had to eat beans for a month and my wife could not go to the doctor and see is very sick. You people should be ashamed!!!
XXXX XXXX Good Luck!
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| 01/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Cashing a check
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Web |
Servicemember |
|
Per my attached XX/XX/XXXX, I addressed two issues to my local SunTrust Bank.
The first issue dealt with SunTrust 's check cashing procedures at the bank, which I addressed to the SunTrust Client Advocacy Office and received an appropriate response ( letter dated XX/XX/XXXX, attached ). It appears as though the tellers followed proper procedures and accepted checks written on a closed SunTrust account. The bottom line to this issue is that SunTrust does utilize safeguard business practices akin to other local banks, i.e. XXXX XXXX XXXX or XXXX XXXX, which would have easily prevented the checks presented from being deposited.
The second issue which was poorly dealt with by SunTrust officials, was the lack of protection which SunTrust bank provided to me, when I presented fraudulent SunTrust checks to bank management. The two SunTrust checks which I had received were written on an account which had been closed sometime in XX/XX/XXXX. SunTrust was aware that the individual was writing these checks on a SunTrust closed account and : ( 1 ) took on no action to stop the fraudulent activity ; ( 2 ) took no action to protect my financial interest when I confronted management about the two fraudulent checks.
As you can see by the attached documents, the problem first started in XX/XX/XXXX. Since XX/XX/XXXX, I have worked these issues diligently with my local SunTrust bank senior official, the branch Manager, the regional bank representative and ultimately with the SunTrust Bank President ( see XX/XX/XXXX attached letter. ) As of the submission of this complaint, XX/XX/XXXX, I have heard nothing from my XX/XX/XXXX letter to the President.
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| 10/05/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I was the holder of three business accounts with SunTrust Bank until today,XX/XX/XXXX2017. I was approached by a person purporting to be XXXX XXXX of XXXX XXXX XXXX, a XXXX-based shipbuilding concern. XXXX XXXX sent a cashiers ' check that I was to hold in escrow as the broker of a transaction. Another party to the transaction called me and informed me that the check was fraudulent. I reported the fraud immediately to the FBI, the Federal Reserve Board, the FDIC, and SunTrust Bank. The check never cleared nor was it credited to my account. On XX/XX/XXXX, 2017, SunTrust acted to close all three of my accounts with them and seized all of my money and my clients ' money. I reported this to five different departments and agents of SunTrust, all of whom informed me there was nothing I could do to recover my legitimate assets and my clients ' escrow funds. To reiterate, the fraudulent check never cleared, nor was any sum forwarded to my accounts. I reported the fraud promptly, yet SunTrust still chose to confiscate all of my assets. As a result, I will likely be sued by my clients, lose my business, lose my home, and possible be indicted for mismanagement of client funds, all caused directly and proximately by SunTrust 's theft of my assets. If there is any recourse that I can pursue, I would love to learn about it, because I have lost everything I have, as have my clients. The money contained within my accounts had nothing whatsoever to do with the fraudulent check, nor is any of that money the property of SunTrust Bank.
If I can not resolve this issue immediately, I will lose my home, my business, and everything I own. Please help me.
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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This is the third time I am filing the same complaint against the same company. All you do is contact the company for them to reply. When are you going to step in and do the job my taxes are paying you to do? SunTrust Mortgage ( Loan Number XXXX ) con sistently misapplies my payments. I make my payments e very two weeks i n the amount of {$550.00} for a monthly mortgage payment of {$1000.00}. This leaves an additional principal payment of {$99.00} each mon th. SunTrust ha s been applying the full {$550.00} to the principal, rather than applying it to the monthly payment. Then, when the XXXX of the month comes along, since the full payment has not been made they charge me a late fee of {$30.00}. Even though they have received full payment. I have only had this mortgage since XXXX , yet they continue to try to steal money from me. You wrote to me on XXXX XXXX that you were sending my compla int to SunTrust. On XXXX XXXX SunTrust wro te that they had reapplied my payments correc tly ( for the second time ). On that same day, they AGAIN misapplied my payment to the principal. In spite of the fact that when I wrote to them I included a payment schedule for the entire calendar year showing how much they would receive and how each payment was to be applied. I want your office to step in and do your job. Simply sending my complaints to SunTrust is not enough. They continue to illegally try to steal money from me and your agency has thus far done nothing to prevent this. I am contacting Senator XXXX and Congressman XXXX to ensure that you do your job and g et SunTrust to s top this illegal activity.
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| 12/20/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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They said they had sent out a letter and we never received it and then we got a card that said the account had been closed. And when we went to the bank we ask XXXX XXXX if we could get a letter and send it back in and he said no. XXXX XXXX told me that the money was in the bank but he didn't know where, and he gave me numbers to call and it was always automated never could talk to anybody, so we left a message and they have never called back yet. So then went back to Truist formerly Suntrust and talked with XXXX XXXX again and I told him he worked for Truist formerly Suntrust he should be able to get more answers than I could. XXXX XXXX called me back a couple times right after it happened, then he never called us back anymore. So we went back to see XXXX in person he wasn't in, so we talked with XXXX XXXX and we haven't really got any more answers since then and it has been 3 months or more so that's why we reaching out to consumerfinance to find out where my money is, because nobody at Truist formerly Suntrust can tell me anything. XXXX XXXX acted like they wasn't responsible for my money. XXXX said the money could not be put back in the account, this is the Suntrust branch in XXXX, NC. I ask XXXX why they had all automated stuff so they wouldn't have to talk to anybody and she said yes. So I ask her if Trist formerly Suntrust if they used the automated to give people the run around hoping they would give up. But I'm not giving up. I ask XXXX when people don't respond back if they didn't call and she said no, if they called and left a message people would get back with them, This wouldn't have happened if they had called.
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| 02/26/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have an business account with suntrust, and i rarely use it due to the problems that always occur when i do. i am XXXX, and i was checking on my account and was shocked when i saw a negative XXXX charge. i learned from recent situations that i should call suntrust due to its incorrect online balances, so i did and each time i would call i was told that the computers were down, and i would have to call back in 2-3 hours. that would be XXXX my time, and i wasnt willing to stay up that late. i finally get a hold of them on XX/XX/XXXX and was told that my account went over XXXX dollars, and so i was charged XXXX dollars in overdraft fees! that charge absolutely shocked me. i spoke to several supervisors, and stated that this charge was unnecessary, and i was told that due to previous courtesy credits they could not provide me with another one. most of the previous credits, as i explained to these supervisors were also due to bank errors. she said that they were still considered courtesy credits, and that i would have to pay the XXXX in overdraft fees. all the representatives i spoke to seemed uninterested, and unwilling to help me. by the end of the call i simply stated that i would not be paying this fee because it was unnecessary, and the supervisors reply was i will notate the account! I honestly never use this account, due to problems i had with them before, but i was forced to due to some checks. All i want from suntrust is to take the fees off, so i can pay the XXXX i owe, and close this account. this bank is by far the worst bank i have ever worked with, and i have several accounts with banks much smaller than suntrust.
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| 08/09/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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Hello- I am contacting CFPB to file a complaint concerning my experience with Suntrust Bank XXXX I opened a checking and savings accounts there XX/XX/XXXX and when doing so I was promised a {$250.00} promotion if I met the criteria.
As of XXXX XXXX my personal banker, XXXX XXXX, assured me that I did meet the criteria and that I would receive the full amount by XXXX XXXX. I have attached a screen shot of that email conversation.
On XXXX XXXX, I called the bank which informed me my banker no longer worked there and that I would need to contact Suntrust customer service. After speaking to multiple representatives, I was eventually sent to a supervisor, XXXX XXXX. I forwarded her emails from that stated instructions from XXXX XXXX to obtain the promotion. I also forwarded her the emails that I have attached screenshots of here. After our conversation, XXXX XXXX told me she would open the case and that Suntrust would get back to me within 3 to 5 business days.
I emailed her XXXX XXXX and XXXX XXXX requesting an answer. I have called the Suntrust XXXX, TN branch several times and left voicemails only to receive no call back.
Today, XXXX XXXX, I called Suntrust customer service in hopes to get an answer concerning the {$250.00} I am waiting to receive. I eventually got in contact with a XXXX XXXX. She explained that they found that I did not qualify. After checking my account, I believe I do qualify.
I am very disappointed in the customer service I have received. They have not taken the initiative to call me back or reply to my emails. They have also not honored the word of their employee who guaranteed me {$250.00}.
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| 08/08/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
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I was asked if the appraiser could come on the property and in the house, I said yes.
My wife advised me that someone came by in a car at thirty five to forty miles per hour taking pictures of the house. I called XXXX or XXXX XXXX, she is in charge of the loan procedure, to inquire about the above incident and she responded that the appraiser does this to enable them to get a county court house record of my house!? I asked her if using my address wouldn't have been easier, she said by federal law this is required!! I recently changed my mortgage company to Sun Trust Mortgage, which she works for, and another appraisal was done by a different appraisers, XXXX XXXX XXXX, XXXX, performed by a XXXX XXXX XXXX, it was appraised at XXXX dollars at that time. Since that appraisal I have completed 30,000+ dollars improvements on my house. The new appraisal was given to me by email at XXXX dollars!! My house, according to Sun Trust Bank, has depreciated by XXXX dollars!! I have directed many questions to XXXX or XXXX XXXX about this appraisal and the depreciation of my property, she said that spending XXXX XXXX dollars for improvements doesn't mean that all goes to the appreciation of a home, only a percentage. I asked what the percentage would be, she couldn't come up with an answer. If you require proof of the improvements to my house I can send them to you. Long story short, She is exceedingly vague with her answers, I am in the process of getting all laws concerning the housing equity line of credit which pertain to North Carolina. Since she, many times, referred to Federal Laws, I am asking you to help me in this matter.
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| 12/06/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
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|
Web |
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Due to a medical hardship affecting my XXXX daughter, I started the loan modification process with SunTrust in XX/XX/XXXX because my wife and I had to leave work to care for our daughter and we were adversely affected financially.
My first request for assistance was denied in XX/XX/XXXX because " income was NOT sufficient '' for an affordable modification. My wife returned to work on a flex schedule to improve our eligibility.
My second request was denied in XX/XX/XXXX because of a " lien error '' affecting the SunTrust 's 1st position. I spent money and time fixing this.
My third request was denied in XX/XX/XXXX because " income was sufficient '' for a modification. I appealed.
My fourth request was denied in XX/XX/XXXX because of a " prior loan modification ''. How is this possible?? Why was I not informed this ten months ago when we began this process?
If SunTrust is not engaging in fraud, it is at a minimum grossly negligent. I spent almost one year in the loss mitigation process, where life decisions were made that impacted the well-being of my family to be told that I never was eligible from day 1?? When I spoke to SunTrust 's mortgage escalation staff member XXXX on XX/XX/XXXX and asked when these investor guidelines changed she responded " I do n't know '' and later said " be glad you received a prior modification ''. I requested a copy of these investor guidelines effective for XX/XX/XXXX and XX/XX/XXXX and have not received anything. For reference, the prior modification was done in XXXX and was completed because SunTrust had put me in a subprime interest only mortgage product, yet I was A tier credit.
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| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
In late XXXX, early XXXX of 2015, I made some purchases that were supposed to go through my XXXX account to my XXXX XXXX account. Instead, XXXX erroneously charged my Suntrust account. I had been trying to remove this account from XXXX for months but kept getting errors. I contacted Suntrust to stop any transactions from XXXX and XXXX, the banker, told me she would handle it. Weeks passed and my account went negative from the issue because the charges were never blocked. I contacted my banker again, only to find out she was no longer with Suntrust. The branch manager at the time stated she would look into it and get back to me. Another week passes and I call to find there is a new branch manager who knows nothing about the situation. I stated I wanted to have this resolved and she said there was nothing she could do because the account was now in closing status. She said to wait until it fully closes and call back. I did. When I called back, I was then told there was nothing I could do because the account was closed and I would have to wait on a letter. Now, this account is reporting to my XXXX and Suntrust is being very " oh well '' about it, when they can clearly see the multiple attempts in my account from XXXX. XXXX needs a better system for removing accounts and Suntrust just needs better customer service. I 'm still trying to handle this account 8 months later and I 'm just getting the run around for the most part. Suntrust just wants me to pay the money and that 's about it. This is causing me so much financial stress because I ca n't get a bank account with my husband at his credit union with this on my file.
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| 06/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I used my credit card to reserve a hotel for a weekend trip to Puerto Rico for spring weekend as a honey moon trip. XXXX {$90.00} to reserve XXXX {$120.00} was charge the pm we got to the place On XXXX/XXXX/XXXX around XXXX we got to the " hotel '' for check in and a guy met us at XXXX to help us find the place. The place was a dump and the area was scary, I felt so bad but grab keys and left to our tour of that day. We got to the hotel at XXXX and to our surprised that we did not get the gate keys so could not get in the room. Had to wait until after XXXX for the guy that checked us in to open the door. I was SO mad at that point that I told him we were leaving the next XXXX and where to leave his keys. He said on the table. At XXXX I wrote a written notice plus sent him a text, we contacted a friend of a friend and the remaining of the weekend slept on an air mattress. The advertising for this place is deceiving and I took pictures to show how horrible it really is and on top of that to have to stay on the street unable to go inside the room it is unacceptable. My credit card company denied the dispute because I did not cancel 2 weeks prior, which makes no sense since I was planning on staying on the hotel but due to the circumstances were forced to leave. This company, ( Hotel ) has the history of doing the same thing because I found customer reviews after the fact. The credit card company did not protect my rights as a consumer and I feel ripped off having to pay for a place that first of all, I left. That made my honey moon a horrible experience and now we have to do something else later on and did not use.
|
| 06/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
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|
My SunTrust checking and savings accounts were closed a couple of months ago. I never received a check in the mail for the balance.
I called SunTrust customer service and they told me that I MUST go into a branch in order to resolve the issue. I was told that a check would be reissued the same day at the branch.
When I got to a SunTrust branch in XXXX , NC ( I literally had to fly there, as I currently live outside of SunTrust 's coverage in California ), I was told that they would have to put a stop payment on the previous check and wait 24 hours before issuing a new one.
24 hours later, the branch called and told me that in order for them to issue a new check, I would have to purchase a surety bond for 25 % of the sum of the check. This was contrary to the information the branch had received from the helpline and forwarded on to me the previous day.
I asked the branch if there was a tracking number for the first check that had been sent to my house in XXXX XXXX , FL. Maybe it was stuck at the post office the whole time? They called me back and said that they could not provide that - either there was no tracking number or they did not have access to it.
I would like to note that the branch in XXXX , NC was great. It 's a lovely town and the people who work there were very nice and helpful. They were just given incorrect and inconsistent information by SunTrust corporate.
I have already been waiting months for my account balance. I have spent a significant amount of time and money trying to resolve this issue. I 'm not purchasing a surety bond unless the bank is paying for it.
|
| 02/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
In XX/XX/XXXX during the economic downturn, I had a vehicle repossessed by my lender for no apparent reason. I recovered the vehicle from the bank 2 days later. A few years after this incident, I decided to pay off the vehicle to save on interest. For many years the negative credit rating of late payments and the repossession made it hard for me to obtain preferable rates and new loans. After 7 long years of suffering, the account finally switched over to a positive status. Nevertheless, the lender {SunTrust Bank} decided to add negative comments to my now positive account stating, “redeem repossession.” I’ve explained this issue to SunTrust and all three credit agencies on SEVERAL occasions. However, each entity continues to “yes, yes, yes, I understand” but no changes are being made. An account can only be negative or positive—it shouldn’t be listed as positive yet have negative comments below it. There is no middle ground. I’ve been denied loans and credit card increases do to the negative remarks that continues to display on my reports. I have disputed this matter many times over, nonetheless, SunTrust continues to abuse their powers without any regard on how this issue is affecting me, my family and my business ability to prosper. I’ve been told this account status is schedule to remain on my credit report until XX/XX/XXXX. With that being said—there’s no way any negative reporting including bankruptcies should follow a person for 13 years. A consumer reporting agency cannot report negative information that is more than seven years old. The stress and sleepless night have gone on long enough
|
| 07/27/2017 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
hELLO CFPB? I HELLO I AM XXXX XXXX, I HAD GOTTEN A STUDENT LOAN FOR MY SCHOOL YEAR OF XX/XX/XXXX THRU XX/XX/XXXX. I DID NOT RECEIVE ALL OF THE LOAN THAT THEY SAY I TOOK OUT. IT IS NOW OWN BY SUNTRUST BANK, I THINK THEY ARE JUST TRYING TO COLLECT ON A OLD LOAN, WHICH IS ABOUT 38 YEARS OLD TODAY. AND I HAVE TRIED TO WORK THINGS OUT WITH THEM? AND TO NO AVAIL HAVE THEY MET MY NEEDS. I AM STILL IN SCHOOL. I AM STUDYING LAW. AND I KNOW I DO NOT HAVE TO PAY THESE LOANS UNTIL I FINISH MY SCHOOL TERMS. BUT THIS BANK IS CURRENTLY HARASSING ME OVER THIS LOAN, IN WHICH THEY BOUGHT FROM ANOTHER COMPANY AND MAY BE THEY SHOULD HAVE LEFT THIS LOAN ALONE IN THE FIRST PLACE. I WILL NOT BE FINISHING SCHOOL UNTIL XX/XX/XXXX YEAR OF MY GRADUATION, I AM GOING AFTER MY XXXX DEGREE. THAT TAKES A LOT OF MY TIME. AND I HAVE TRIED SO OFTEN CALLING THEM AND THEY STILL SAY NO? SO i DO NOT KNOW WHAT TO DO, A LOT OF PEOPLE TELL ME THIS LOAN IS FORGIVEN, BY PRESIDENT OBAMA LAST YEAR OF HIS TERMS. SO WHAT AM I TO DO? I AM RUNNING OUT OF OPTIONS I NEED HELP WITH THIS, THEY ARE NOT WORKING WITH ME AND THE WANT A LUMP SUM OF MONEY NOW? THEY HAVE MADE MY CREDIT SCORE GO DOWN REALLY BAD, AND THEY ARE CALLING ALL OF MY PEOPLE AND TO MY CURRENT SCHOOL TOO. I AM IN DEEP WATERS WITH THEM, I HAVE TRIED MY BEST TO WORK WITH THEM BUT THEY SAY NO. I TOLD THEM THIS LOAN IS ABOUT ( 38 ) YEARS OLD IN TOTAL. IT SHOULD BE FORGIVEN BY NOW. AND I HAVE TOLD THEM TO LEAVE ME ALONE AND LET THIS ALONE TOO UNTIL I GRADUATE FROM MY COLLEGE I AM ATTENDING NOW. I HAVE NOT BEEN ABLE TO WORK WITH THEM AND THEY ARE STUDYING MAKING A LOT OF TROUBLE FOR ME. PLEASE HELP ME.
|
| 04/18/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
We went to a local non-attached ATM at a local bank to put money in that we were saving for a week. We put a stack of {$20.00} bills into the ATM. The ATM ate some of the money and sent out a piece of paper telling us to call a number. We deposited the money that the ATM spit out and got a receipt for that money. The money is question is {$380.00}! We called the XXXX number. They put a temporary credit on the account for {$380.00}. That money was removed by the bank a month later. We went to the bank manager to see what could be done. We were supposed to be getting a call back about this matter. We waited a week because we received no call back. The bank manager said that he could not help us because there was no overage from the third party that runs the ATM nor from the bank. We went to the branch on XXXX XXXX where they know us by sight. The agent there made a complaint about the bank manager in the branch that we went to. She also found that although we had changed the address on the bank web site the change of address had not gone through and we were told to never change the address on line because it dos not work correctly. We were at a gas station low on gas when he bank card did no work due to the credit reversal. That is how we found out that the bank took their credit of our money back. The bank sent us paperwork to a P.O. Box that we had closed awhile back. We had to take a loan out to cover our bank account at that point. We received a rebuttal form in the mail and we called the bank about this matter again today. We were told that this could take 45 days if this gets approved. Where is our money?
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Repeatedly tried to resolve with Suntrust and based on what I am hearing from others, Suntrust does this frequently and should be investigated. They are refusing to even do a holdback for whatever work they think is needed, and are holding hostage all of the settlement money I received from the insurance company. Suntrust has NEVER sent over a list of what items they deemed needed to be fixed. I had their evaluator out who told me she was going to put the work done on the house at 80 % as they usually payout at 80 % -- -which is why she chose 80. I chose to have my roof replaced even though the repair had already been made months before when Suntrust sent the first person out to inspect ( who didn't see anything that needed to be fixed aside from the roof tiles being put back on that we took off for the repair ). I have since had it replaced, and were just waiting for tiles. Anything else is cosmetic and does not have to be repaired. Suntrust instead arbitrarily===just for my loan changed their 80 % to 90 % so they can hold on to all the money. A brand new roof does not cost {$57000.00} so there is zero justification for holding on to ALL of the funds in any logical framework. They can't justify holding back that much except as for RETALIATION for the complaints I have made -- -when their own adjustor said they pay out some funds at 80 %. This is retaliatory and not justified when my home is worth at least {$450000.00} and I owe them {$130000.00}. Please get them to justify holding back {$57000.00}!!! No roof costs that much for the size of my house. Again, they have never said what repairs they need made!
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
On XX/XX/XXXX, I got contacted by someone name XXXX XXXX, who says that the is an editor of the online magazine website, XXXX ( XXXX ). On XXXX, XXXX XXXX is known as " XXXX. XXXX, '' but I was curious if this was the same XXXX from that website, or not. Because I am a XXXX, he said that he saw my information on a website called XXXX, for which I am not a member of that website. He gave me details for a XXXX XXXX, which the deadline is on XX/XX/XXXX, which will pay me {$2000.00}, but an advance pay of {$500.00} will be payed to me first. He also told me to email an agent name XXXX XXXX, with an email XXXX. When speaking with XXXX, he mentioned that I will have to pay him {$3300.00} dollars, for which I did n't have those type of funds, which made step away from being the XXXX. XXXX then told me, that I will be receiving an advance pay of {$3800.00} dollars, which according to XXXX, I had to pay {$3300.00} to XXXX. Once I received the check on XX/XX/XXXX, I made a mobile deposit of the check. The funds were on hold for several days, until the XX/XX/XXXX. On XX/XX/XXXX, after checking my bank account, with the funds still on hold, now there is a pending on a return item of the {$3800.00}, leaving my account with overbalance of a negative account. I 've contacted XXXX to request a fraud on my credit report, I 've filed a complaint to the FTC, I 've contacted my bank to try and file a fraud affidavit, and the XXXX Police Department Major Frauds Unit, in regards of this. I 've yet to file a police report, as I 've noticed that I will need to gather up a bunch of evidence, before I could proceed with the report.
|
| 08/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Sir, I XXXX based on my exceptional services to XXXX Government rendered through my job in XXXX XXXX XXXX XXXX XXXX. I XXXX on XXXX XXXX, XXXX.
I received terminal benefits after working for more than 22 years in XXXX XXXX. I used the terminal benefits cheques to open a checking account in Sun Trust 's XXXX XXXX branch in XXXX XXXX. I started working with XXXX based XXXX XXXX XXXX in XXXX and deposited my monthly compensation cheques in the same account.
I rendered contractual services to XXXX-based XXXX XXXX XXXX in XXXX XXXX, XXXX. I obtained re-entry permit from XXXX to stay XXXX to perform my services in XXXX.
The account was a joint account in my name and in the names of my wife - - XXXX XXXX XXXX and my son - - XXXX XXXX. My son is XXXX XXXX XXXX. We maintain sufficient balance in our account.
Our Joint checking account ( Signature Advantage ) number is XXXX.
Both I and my wife jointly hold a money market account in the same branch of Sun Trust Bank. The number of our SunTrust XXXX XXXX is XXXX.
On XXXX XXXX, Sun Trust Bank decided arbitrary and without citing explicit and sufficient reasons to close all Bank accounts. You are requested to investigate the matter and ask Sun Trust Bank to cease from causing irreparable damage to all the joint account holders.
As a regulator, I repose my faith in your intervention in the interest of customer who is powerless in front of a big Bank. Your assistance in this regard will help to protect customers from exercise of such powers by Banks like Sun Trust. In my case, I will suffer irreparable damage as I do not have any other Bank account in XXXX.
|
| 07/12/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I always make my payments online with Suntrust, never had a late payment before. I went online today to make a payment and was shocked to see that a XXXX payment never posted. I paid both XXXX and XXXX on the phone with a representative immediately and offered to sign up for auto debit. I did not know that I was past due on the account until I logged online today ... Suntrust states that they called me, but I have no voicemails from them, and my husband has not been called. He always answers his phone and would have made the payment immediately by phone. Suntrust was unable to verify to me that they called his number. They also have my email address on file, but I have not received any voicemails nor emails from them. I inquired about XXXX credit reporting and was told that this error would most likely be reported on my XXXX credit report. I asked for Suntrust to remove the late payment because I have never had a late and because I attempted to make the payment. They informed me they could do nothing regarding the credit even though I was not notified properly and given a chance to remedy the situation. I firmly believe that I went online to make this payment ; I even have it written in my checkbook register, but Suntrust states they can not verify this. I also pay EXTRA on my mortgage monthly ; this too does not seem to matter. It is completely unfair that my perfect payment history has been ruined by this incident. I am requesting that you please help me to have the negative credit reporting removed if it did occur. Again, I have never had a late payment nor will it happen again. Thank you very much.
|
| 08/19/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
On XX/XX/2017 at XXXX XXXX I called Suntrust mortgage because I was impacted by Hurricane Irma. We were declared by FEMA to be a disaster zone. My insurance company would not pay because my damage was only around $XXXX total and the deductible was raised due tot he hurricane to 5% of total value of my home so it was around $XXXX. What that meant was all the recovery was out of pocket.At that time I was 1 to 2 payments behind and paying every month still trying to recover from Hurricane Matthew which hit us one year before.The representative from Suntrust said I will be put on a 6 months no pay forbearance and at the end of the loans they will automatically add the payments to the end of the loan and since I was 2 behind already my forbearance period would only be 4 months.I took the assistance because I needed it. At the end of the time period when Suntrust reviewed me to finalize the disaster modification they claimed because I was 2 payment behind already they were not going to assist me.I have been disputing this ever since because I would not have accepted the assistance had the representative given me correct information. But because I believed the misinformation from Suntrust I am facing losing my home. I have escalated this with Suntrust but they are not helping and will not honor what their own representatives committed to.I was forced to submit a borrowers assistance package and without notice Suntrust changed their guidelines so now they will not review meMy wife and I are XXXX US XXXX veterans and my wife is XXXX XXXX from XXXX connected XXXX but Suntrust does not recognize that
|
| 08/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Dear Sir or Madam : This item XXXX XXXX XXXX/Suntrust Bank ( XXXX ) Student Loan Account is inaccurate because this account is not a joint account and was not reported on my credit report until I began making payments to the account on behalf of my ex-wife. The account was opened on XX/XX/XXXX and did not begin reporting on my credit report until XX/XX/XXXX when I contacted XXXX/Suntrust Bank at XXXX to make payments. This account was never on my credit report prior to XX/XX/XXXX. While attempting to get XXXXSuntrust Bank to remove this account from my credit, associates told me that I could not change the repayment status ( apply for deferment/hardship ) if I went back to school or had any other qualifying deferment situation. The only person who could apply for such status change is my ex-wife. This account is solely in her name, however they now list it as a joint account on my credit.
XXXXSuntrust bank also increased the balance of the account by XXXX dollar without notifying my ex-wife which I discovered through XXXX XXXX which resulted in my credit score decreasing XXXX points.
I have contacted XXXXSuntrust Bank and asked them to remove the account form my credit and they refused. I filed complaints with the three credit reporting agencies and I am not satisfied with the outcome of their investigations. I sent certified letters to XXXX/Suntrust Bank and XXXX detailing why this account is not a joint account and not in my name. I attached copies of Credit Report Prior to XX/XX/XXXX ; Credit Report as of XX/XX/XXXX ; XXXX XXXX XXXX XXXX and Bill Payee Account Info ; XXXX XXXX XXXX XXXX XXXX.
|
| 11/26/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a home on XXXX XXXX, Florida. XX/XX/XXXX house was hit by tree and then hurricane. My insurance company is XXXX. It is now XX/XX/XXXX. My insurance company finally after over a year of fighting and attorneys from both sides involved settled out the claim. because Suntrust is our mortgage company the monies went to them. My first contractor that did demo put a lien on the house until Suntrust paid them in full. it was very difficult to go through their website to work with them. They required emense documents on the claim and even though we settled out of court XXXX attorney with our personal attorney they struggled to accept that we do not have an adjusters report for the damages because XXXX made multiple mistakes during the process. We do have the settlement docs and so Does Suntrust.
We are back to trying to finish the house and make it livable. i have been trying to schedule final inspection and it has been cancelled numerous times by Suntrust because they are unwilling to find another Independant Inspector to go to XXXX XXXX. they refuse to schedule during regular working days Monday thru Friday XXXX. Without the inspection they will not pay out the balance of the claim to the Contractor.
Suntrust has treated us terribly on this. The stress involved in getting Suntrust to release money and pay out contractors has been more than homeowner should have to go through. I reminded Suntrust that the money they received, about {$380000.00} worth came from my insurance company for the damages to my house and it seems very suspect that Suntrust does not want to make the process easy. Thank you.
|
| 04/04/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
On XX/XX/XXXX, I was involved in a car accident where my car ended up being totaled. I reported the car accident to my car insurance and they began the process of paying off my car loan with Suntrust. In XX/XX/XXXX, I paid the car loan amount due because my car loan payment was due on the XXXX of each month. After that date, I did not pay anymore loans because as I explained to Suntrust, I was waiting for insurance and gap insurance companies to finish paying on my car so that I could see what was left over for me to owe. On XX/XX/XXXX, my insurance company issued out a check to Suntrust for {$6700.00}. Because I had a extended warranty on my car, the company I bought the car from issued out a check on XX/XX/XXXX for {$1300.00}. To me that should have covered a payment for XX/XX/XXXX. Now on XX/XX/XXXX, my gap insurance issued out a check to Suntrust for {$3700.00} that should have went to the XX/XX/XXXX payment since it was after the due date of payment which is the XXXX of each month. However, I received a letter from Suntrust stating that they had not received any payments from me for XX/XX/XXXX and XX/XX/XXXX. When I called the company, it was explained to me that those checks were not considered a payment and that I was delinquent on the account. Because of this, they reported to my credit report the delinquency which caused my credit score to go down by XXXX points. I do not understand how checks written on behalf of me to my account are not considered payments. I even have my car insurance check as well as my gap insurance check with my name on the checks written as payments to Suntrust.
|
| 07/29/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust is making it very difficult for a consumer to remove the escrows from their mortgage.
The department who handles the escrows is a phantom department you can only communicate with via fax. They say it takes 2 weeks for someone to contact you. No-one ever does. One has to call back to get answers.
The big issues is they will only remove escrow once the loan to value ratio of the property is 80 % but the value they use is the price of the home when it was first purchased which is not representative of the current value of the home now given market appreciation. This does not make any sense, if the home values where lower than when one first bought the home I bet they would not do the calculations based on the purchase price of the home.
I am pretty sure this is a violation of consumer rights and protection laws.
This even applies to consumers who want to have their PMI 's removed. In that case the consumer would be tied to the PMI until their loan is actually 80 % of the value of the home which given real estate market fluctuations this could very well play out to the detriment of the consumer who may not be able to remove their PMI 's for a very long time.
They are clearly manipulating the law and using the rules to their convenience and controlling our money in their escrow accounts. If they are making it difficult for consumers to remove their escrows in good financial times with a healthy real estate market, they can cause home owners to lose their homes during harsh economic times because they are tying the escrows to the mortgage and not allowing the homeowners to remove them.
|
| 12/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
Requested Credit/Refund : {$270.00} + {$12.00} XXXX Transaction date : XXXX/XXXX/XXXX | Reason : Overcharging/Service Not Received. Dear Sir or Madam : I am appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. Within 60 days I disputed the transaction from this Merchant because I paid for the 1st month but did n't continue occupying space the 2nd month as I moved out, yet was billed for the 2nd month anyway. Right after, I contacted the Merchant in good faith but they failed to reverse the charges. Instead, I was told to contact the owner on his personal cell phone number to resolve. Yet he never answered, nor returned my phone calls. Immediately, I sent my dispute to SUNTRUST but it went ignored. I filed a dispute online which disappeared from the Claim Management Center and I provided details with it. I had to then call and have it re-opened or make a new one. I know SUNTRUST received the claim form recently faxed regarding this transaction. From mentioned dispute.. all I got was a letter on XXXX declining it months later because it says that I did n't file on time. SUNTRUST closed my prior disputes without contacting me but I did file on time a long time ago. Besides this, on XXXX I deposited 2 checks from serving Jury Duty but both checks bounced. Thus, I was charged double " returned fee '' of {$12.00} for each deposited check. I didnt realize Court payments for Jury Duty could be rejected. Had I known, I would n't have deposited. The amounts of the check were {$15.00}. and {$30.00}. for which I was billed fees that take most of what I earned from Jury Duty.
|
| 12/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I made the mistake, as Im sure others have found the hard way, that XXXX XXXX offers no consumer protection despite being affiliated with major banking institutions ( such as mine with Suntrust ). Unlike XXXX, if you initiate a payment to someone who turns out to be defrauding you, there is no recourse. Even if you become aware of the fraud within minutes, not days.
I never used XXXX before, and I can tell you I never will again for this very reason. I was buying event tickets today ( XX/XX/XXXX at XXXX EST ), the guy showed me the actual ticket purchase via XXXX by including a screenshot in an emai, and he said he would immediately transfer them via XXXX once I paid him via XXXX . I told him I never used XXXX before, and he told me how safe it is since its offered by major banks as a service offering. I naively thought my bank ( Suntrust ) would stand behind me if there was any kind of impropriety ; that is not the case.
I have a name, address, cell number, XXXX account name and affiliated phone number, a screenshot of the XXXX purchase transaction, and texts and email exchanges documenting everything.
Im a mother of XXXX kids with XXXX XXXX who wanted to see a comedy show with a friend as our XXXX gift to each other. I needed just a night of lighthearted laughter, since I dont have a lot of it in my life. Instead I spent every last dime I had to spare, {$140.00} to be exact, to line the pockets of a scam artist via an app my own bank endorses and supports.
XXXX and Suntrust Bank offer zero Consumer Protection or recourse against Fraud when using this money transfer app.
XXXX XXXX
|
| 03/28/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
I filed a previous complaint with CFPB about my Suntrust Equity Line being refinanced due to hardship. They did complete the hardship refinance to my satisfaction due to the pressure from your organization. Thank you. However, they reported to the credit reporting agencies I had been late 30 days on my loan which is the not the case. I had called Suntrust several times to see why the refinance was taking so long and was told " it was a sensitive subject ''. I was instructed " not to pay one the old loan '' until the new terms were worked out or I would be paying on the old loan and it would not be reflected in the new loan. I followed the advice of Suntrust and did as I was told. As soon as the new refinance terms took place, I made a payment and have not missed a payment. I feel that Suntrust reporting a late payment to the reporting agencies is unfair and false. Suntrust told me not to pay on the old loan which I followed. Reporting a late payment is disingenuous when they took " a lengthy time to rework the loan because it was a sensitive subject. '' I am now trying to refinance the loan to get away from Suntrust and their reporting is hurting my credit score in getting a new credit line. I want the " late status taken off my credit report as this account has always been in good standing for over 10 years until the payment ballooned and was unreasonable for me to handle. I worked it through Suntrust to get fair treatment. Reporting a late payment that was their fault in the length of time in handling my refinance was not my fault. I would like this changed on my credit reports. Thank you.
|
| 12/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I have been accessed fees in the amount of {$380.00} mostly due to Overdraft charges from XX/XX/XXXX - XX/XX/XXXX. These fees were levied against my account because I trusted their balance information provided via their online account and telephone services. In addition, their computer system delays the debit of charges up to four days after the purchase has been made creating the opportunity for Overdraft fees in the amount of {$38.00} per incident. I was told by one of their representatives that the debit delays were caused by the merchant.
As such, I owe them nothing for the following reasons : 1. All Overdraft charges were levied as the result of their system delaying the posting of 12 debits from XX/XX/XXXX to XX/XX/XXXX ( per their statement dated XX/XX/XXXX attached ).
2. Their online and phone system provided me with inaccurate balance information prior to the transactions in item 1 above.
3. I relied on their inaccurate balance information before making a decision to use their debit card as opposed to two other cards and cash in my possession at the time of the purchases.
4. These bogus fees counter their very own policy which states Once a debit card transaction ( ATM withdrawal or purchase ) is authorized, a hold is placed on the clients account reducing the available balance. Funds on hold for pending debit card transactions generally can not be used for other purposes, even though the transaction has not posted against the account 5. I used other debit cards with the same merchants and those charges were deducted either the same day or by first thing the next business day.
|
| 10/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XXXX XXXX, an amount of {$220.00} was moved from my checking account to my car loan with Suntrust. This was not initiated by me. I later found out from a Suntrust phone rep they moved these funds themselves. Because they did not notify me this was done, I processed a payment at the same time, also for my car payment ( the only thing this account is used for ). Given the payment was made twice, I received an overdraft and an extended one - due to a payment I did n't even initiate.
I called to rectify this and was told it was no problem, to simply dispute the payment from XX/XX/XXXX. I stated several times that I was fine with the payment itself - it was going to be paid to the car loan eventually, it just was n't fair that I was n't given the chance to reduce my payment, as when I made my payment that was the available balance. I was told the dispute was the only way and would return the XXXX fees. It did not.
I was then issued a temporary credit, which I of course paid right back to my car loan in good faith, as, again, all I wanted were the fees returned to pay them to the car loan as well. Instead, the temporary credit was removed, and I received XXXX MORE fees.
Well I call and spoke a manager, XXXX, he stated he could not help. I asked for the address for executive relations and he stated that did not exist.
Why are you actively making it more difficult for your customers to pay your own bills? This is a ridiculous business practice that you can not see that the right thing to do would be to return all XXXX fees - and then give no way to escalate higher than low level management.
|
| 02/16/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I applied for a specialized mortgage product with SunTrust bank, with specified costs for borrowing, including discount points and a 30 year fixed interest rate. Days before closing, I was informed that my loan product was changed, but that the costs were the same, with no additional fees or change in interest rate, and that the original disclosure included all associated costs. I agreed to the change under the explicit terms of the original loan costs. The change in loan product turned out to be secondary to the processing and underwriting departments making an error in interpreting my qualifications for the original loan product. The night before closing, I discovered that an additional 0.5 % discount points had been added to the loan, and that {$500.00} in lender credits had been removed from the closing costs, without any additional disclosure to me, either written or verbal. When I questioned the changes, I was given by the loan officer a choice of either accepting the additional costs, which amounted to {$5000.00}, or they could resubmit my loan, from scratch, as the original product, the processing of which may or may not have been completed by the expiration of my rate lock, which was 3 business days later, and that the current rate was approximately 1 % higher than my locked rate. I feel that the loan officer and the processing/underwriting departments, whether intentionally or unintentionally, defrauded me for over {$5000.00}, and put me in a position of either accepting the additional undisclosed fees, or risk a substantially higher interest cost over the lifetime of the loan.
|
| 01/27/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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It is with great frustration that I am submitting this complaint. I have requested a loan modification twice with SunTrust to no success.. I am definitely not accepting their decision. They do not want me to appeal the denial.
I feel their decision was based on incomplete or un-reviewed information.
They have send me a list with various option indicating eligibility and ineligibility. I want my house. I am not accepting a deed in lieu. Why can they work out a plan that will allows to remain in our home.
They have not consider the circumstance beyond my control. I was diagnosis with XXXX.. I was unemployed for a long period of time I had no other recourse than to request a work out plan from SunTrust Mortgage.. Refinancing not an option at the time.
Our mortgage balance is more than what our home is worth. This situation cost me my job.
Shortly after my personal life was like a turmoil.. It came down to where my wife and I separate it for a year due to this horrific situation. We have let Santrust know that thy have not helped us or done anything to help us.
She now has returned home and contributes XXXX % to our household expenses We want to maintain our home. I really will like Sun Trust to consider my request. I have file an appeal. I have send all the documents required for a review. My wife " s income was higher for the year 2015 and will continue.. We are confident that we can take care of this mortgage as long as Sun Trust adjust my principal and interest and extended the terms of the loan. Please note that we are not looking to ignore our responsibility. Please help us out.
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| 07/05/2015 |
Yes |
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Web |
Older American |
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XXXX I recieved a phone call from an XXXX speaking person claiming to be from XXXX telling me that they have been alerted that my computer was corrupted. They told me that the XXXX anti-virus software that came with my computer was not strong enough to correct the problem and they got me to purchase another software for {$250.00} which I put on my SunTrust credit card. They gave me an XXXX number to call if I had a problem. When I called that number it did not go to XXXX, it went to another company. I then called XXXX directly and told them what happened. They told me I had been scammed and that these people had no connection to XXXX and to take the software they installed off my computer before it got further corrupted. They said they would never call anyone saying their computer had been corruptedWhen I found out I had been scammed I called Suntrust and told them what happened and they took the charge off my card. 6 months later in XXXX they put the charge back on my card saying it was a good charge since I authorized it even though I had been scammed. I refused to pay the charge and they took it to a credit agency. My credit was reduced from XXXX to XXXX. I now have a hard time getting a credit card. I have contacted SunTrust with all kinds of documentation proving the scam but they refused to change their mind. The internet is full of very same story where this company has been calling XXXX 's of other people just like me claiming to be from XXXX and that their computer is corrupted. SunTrust does not stand by the people who bank with them. I would never do business with them again.
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| 02/13/2017 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American |
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My wife is the executor of her father 's estate. He passed on XX/XX/2017. He had an account at Suntrust Bank. His name was XXXX XXXX XXXX ( deceased ). There are XXXX siblings who are supposed to receive XXXX each according to his will and beneficiary list provided to Suntrust Bank. My wife personally dropped off a certificate of death, which was required at the branch on XXXX XXXX, XXXX, XXXX. An employee named XXXX, took the original and scanned the doc into their system so the disbursements could begin. Each of the beneficiaries had to submit a letter, explaining who they are with proof of ID, namely a drivers license. This has been done. My wife has also provided their disbursement department in XXXX with the appropriate letter, and XXXX ID ( drivers license. ) This took place almost two weeks ago. On Friday, XX/XX/2017 we received a letter from their disbursement department in XXXX without signature, stating that the Certificate of Death that my wife personally dropped off at their branch was not put into their system. I immediately went to the Post Office and overnighted the original docs, actual death certificate and ID to again, initialize the process. The local branch could not provide an answer to why the original information was returned, when the branch had the copy of the death certificate scanned into their system. I told the branch manager, XXXX XXXX, at the brance on XXXX in XXXX, that I was going to make a formal complaint as I believe the bank is giving us the runaround. She said she understood, and after 6 hours contacting her again this morning, nothing is resolved.
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| 02/22/2017 |
Yes |
- Consumer Loan
- Vehicle loan
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- Managing the loan or lease
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Web |
Older American |
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On XXXX XXXX, XXXX, we turned-over our XXXX XXXX XXXX to a XXXX dealership, in the process of participating in XXXX court-ordered buy-back of XXXX vehicles. That program provided for a cash-payment to us ( made, through XXXX Bank, via EFT ) and a settlement payment to the vehicle 's lien holder, SunTrust bank. Because the buy-back process was protracted, and because we were forced to continue to make payments on the loan in the interim between agreement with XXXX and the actual buy-back closing, the amount actually owed to SunTrust on the vehicle at the closing was substantially less than the amount due to SunTrust on the loan. Specifically, XXXX XXXX XXXX paid a total of {$1200.00} to settle our loan, when at that time only {$220.00} was actually due, in total, on the loan. After several subsequent inquiries to the bank about that payment, we have, finally, been advised that the remaining amount due on the loan of {$220.00} is shown as paid, and the loan is closed. However, the overpaid amount of {$990.00} has not been remitted to us, but is " scheduled '' to be paid, via check, on XXXX XXXX. In response to our request that the Bank explain the extraordinary delay in remitting payment to us, we were informed that the Bank had to ensure that the " funds cleared ''.
Very simply, our complaint is that, by XXXX XXXX SunTrust Bank will have been in possession of {$990.00} in those very obviously overpaid funds for more than 30 days ... well in excess of any reasonably determined " fund-verification period '', and that they are, in fact, illegally and unreasonably delaying refund to us.
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| 08/25/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have a relaitvely small XXXX XXXX mortgage on a property in XXXX XXXX XXXX, GA, that is managed by SunTrust Mortgage. SunTrust consistently makes errors in the management and billing associated with the mortgage. Each time they do so it takes a great deal of time and effort to get the problem, no matter how small, addressed and eventually solved. Not surprisingly, the errors always favor SunTrust, not me.
Early this year because of a shortfall in the previous year 's assessed escrow, SunTrust gave me the option of paying a lump sum to bring the fund in line, or a higher monthly rate going forward to address the deficit. I chose to make a lump sum payment. But they failed to allocate it properly and thus claimed my subsequent monthly payments were short and subject to additional fees. After numerous letters and phone calls they finally acknowledged their error. But meanwhile they tacked on a small fee ostensibly pertaining to an inspection or appraisal they intended to do to the property -- which was never done, or at least they never reported the outcome to me. Neverthelss, they continue to take on a small fee related to it : {$4.00} per monthly lately. Each month I call and demand that they remove it and they do so after eating up a half hour or more of my time. Each time they assure me that the problem will be corrected, but the fee shows up again the next month -- most recently in my statement dated XXXX/XXXX/2016. I am coming to believe that SunTrust willfully makes it needlessly difficult for customers to resolve problems on their loans when those problems benefit the bank.
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| 03/27/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I filed a claim with SunTrust bank on XX/XX/2019 after I realized an unauthorized debit from my checking account of {$510.00} from XXXX dated on XX/XX/2019. I received an email on XX/XX/2019 stating that I would receive a temporary credit while the claim was being looked into. On XX/XX/2019 I received an email from a fraud investigator asking to contact them by phone. After trying to reach them multiple times I spoke to a representative in the fraud department only to find out the claim was still under review. I offered to give them my XXXX statements showing that no debit/payment could be found, I was never given any information on how to proceed and waited to get information on how to proceed. XX/XX/2019 I was emailed stating that my claim was denied and that the temporary credit would be reversed on XX/XX/2019. I immediately requested documents on why it was denied so that I could proceed with the rebuttal but was given little information. On XX/XX/2019 I went to my local branch to get more information on why my claim had been denied. The associate said that XXXX claimed I had authorized the charge. I filled out my rebuttal form and faxed it from the local branch. I felt that Suntrust could not give the proper documentation on why my claim was denied and how to get this resolved. On XXXX XXXX I called XXXX to see if it could be resolved on their end but was told by the representative that they have no record of Suntrust contacting them regarding my claim. I have documentation of emails from Suntrust and my XXXX statements and would like to get this resolved as soon as possible.
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| 02/08/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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I have a checking account with SunTrust bank. The last transaction that I made personally was a {$400.00} deposit in XXXX of XXXX. My statement ending XXXX XXXX, XXXX shows I have a balance of {$550.00}. I have made no transactions since. In XXXX XXXX I received a letter in the mail from SunTrust stating a deposit was made to my account in the amount of {$1400.00} and the letter informed me that {$800.00} of the deposit was not available for withdrawal. I made no such deposit. I went online and checked my account and found my account was overdrawn. I saw several transactions that were not mine and I immediately contacted SunTrust fraud to report this to them.
During their investigation Suntrust found out that one deposit of {$1400.00} was posted to my account in error and they reversed this deposit. Suntrust credited my acount for {$4.00} which was the amount of the first fraudulent withdrawal from my account. The final fraudulent transaction was a debit of {$940.00}. Suntrust sent me a copy of this. It is what appears to be a cancelled XXXX XXXX XXXX check dated XXXX from someones account in Virginia.
Today I received a letter from Suntrust Fraud that they are denying my case.
I have all of my ATM cards which I have never used and all of my statements so I do not think someone stole a statement out of my mailbox. I have all of my checks as well.
I really do not understand how this can happen. Suntrust Bank allowed a cancelled check from another bank that is dated cancelled XXXX to be used to withdraw {$940.00} from my account and Suntrust concluded that no error occurred.
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| 09/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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OnXX/XX/2018, I responded to an online offer ( Q2 XX/XX/2018XX/XX/XXXX Small Business Checking Offer ) from SunTrust Bank to open a Simple Business Checking Account. The terms of the offer were that if I made one or more deposits totaling {$1500.00} into the account within 30 days of opening the account, I would receive a reward of {$200.00} within 8 weeks of meeting the requirements. I deposited {$1000.00} on opening the account and an additional {$640.00} on XX/XX/XXXX. Therefore, my account should have been credited with the reward byXX/XX/XXXX. I have not received any reward. I made several inquiries at a branch and on the phone. On XX/XX/XXXX, for example, I was told on the phone that I met all the requirements of the offer and should receive the bonus in XX/XX/XXXX. On XX/XX/XXXX, I spoke to XXXX on the phone. She also told me that I met all the requirements. However, she then discovered that there was a note that someone from SunTrust tried to call me on XX/XX/XXXX to discuss a missing promo code on my online application. She said that the note said that they left a voice mail, but I could not find any voice mails from SunTrust. I explained that I definitely remember seeing the promo code on the application. She took some information from me and told me she would try to resolve the problem. Today, I called SunTrust again and spoke to Mr. XXXX, who repeated that someone called me on XX/XX/XXXX but said the person didnt leave a message ( contradicting XXXX ). He told me I was unqualified for the reward because of the missing promo code, and that SunTrust would not pay it.
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| 06/23/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Older American, Servicemember |
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My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.
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| 08/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On XX/XX/XXXX SunTrust Bank submitted a report to XXXX XXXX XXXX that I had or attempted to commit fraud through the checking account I had with them. I did not attempt to commit fraud or in anyway try to break the law. There was a check for {$2.00}, XXXX dollars that I had received by mail that I deposited in good faith through a SunTrust bank ATM to my checking account. I later received an email stating that the check had been placed on a five business day hold and funds would not be available until after the hold time. On XX/XX/XXXX, I received a letter stating that the check 's payee bank could not be verified and the deposit would be reversed and I would be charged a {$15.00} fee. I accepted the results and assumed that the original check amount would be reversed and the fee charged to my account as stated in the letter. Within two weeks SunTrust Bank sends a report to XXXX XXXX XXXX that fraud or an attempt was committed by me on my account. Since XXXX, I have tried to contact the department of SunTrust Bank that submitted the report, disputed the report with XXXX XXXX XXXX but have only received the run around from SunTrust. I have the most recent report from XXXX., and as before it has a report of fraud from SunTrust Bank but there is no loss or transaction listed to support the fraud accusation. My question is how could there have been fraud attempted when the deposit was on hold for 5 days, no withdrawals or transactions made or paid against the held deposit and during the hold time SunTrust was supposedly communicating with the payee bank of the check I had received?
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| 11/15/2018 |
Yes |
- Checking or savings account
- Savings account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I had a joint account with my ex-wife for our son in Suntrust bank. I was the only one who put money in it and it was used whenever he wanted to buy something, regardless whom he was with. The ex did something that caused the joint account to go in the negative ( XXXX and change ). She claimed it was fraud, however, if it was truly fraud she would eventually be reimbursed. She began paying on the amount ( XXXX ), bringing it to XXXX. She stated she was going to leave the bank, which concerned me that the bank was going to take the money from me instead, when I had nothing to do with whatever she was doing. I spoke with the Fraud department and they assured me that they would take the money from her account to make it whole and I had nothing to worry about. The very next day the bank held XXXX dollars from my savings account that was used to pay taxes coming up. I again spoke with Fraud and this time they said they were going to hold my money for a short period of time ( about 2 weeks ). My ex then paid XXXX dollars on it and was told that as long as she pays XXXX a month they would leave everything alone and not take it out of my account. After the 2 week period, they released my money. I began the process of moving to another bank as I was disgusted with their attitude about it and after a day or two, they took XXXX from my account to bring the account to XXXX. I voiced my displeasure as to how the bank essentially assisted my ex in making me pay for her irresponsibility and they told me if I wanted to get the money back I would have to take legal action or get it from he ex.
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| 01/20/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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We received your complaint. Thank you.
We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work.
YOUR COMPLAINT XXXX XXXX XXXX County, VA diverted $ XXXX {$20000.00} of real estate taxes paid by consumer XXXX XXXX XXXX XXXX property owner of XXXX XXXX XXXX XXXX XXXX VA XXXX to other individuals and specifically identified individuals that was given the same account number and address as XXXX XXXX XXXX in public tax records. These funds were paid to XXXX XXXX XXXX by XXXX XXXX XXXX as part of her monthly mortgage payment and XXXX XXXX sent the funds to XXXX XXXX XXXX County, VA treasurer or Commissioner of Revenue annually. XXXX XXXX XXXX property owner paid county taxes to XXXX XXXX XXXX County, VA through XXXX and learned that XXXX XXXX XXXX County, VA banking institution is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( recent merger with SunTrust ), XXXX XXXX XXXX and any banks of merger with this financial institutions. Currently, XXXX XXXX XXXX County, VA has erased the evidence from their current system. However, attached documents will show the use of the same account number and address of XXXX XXXX XXXX to divert funds she paid towards real estate taxes and evidence of a mortgage on an existing property in XXXX XXXX XXXX County, VA. Both are a violation of the Fair Credit Reporting Act ( FCRA ).
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| 09/02/2015 |
Yes |
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- Loan modification,collection,foreclosure
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Web |
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I am contacting the CFPB as I am at my wits end and do not know what else to do. I have an FHA loan with Suntrust and my loan modification request was denied XX/XX/XXXX. The denial letter stated I was denied for FHA HAMP and FHA standard modifications because the investor decision was not received within 30 days. Which it hadnt even been 30 days because I submitted an updated modification request on XX/XX/XXXX and on XX/XX/XXXX, I was advised XXXX additional paystubs was required which I sent that same day. On XX/XX/XXXX, I was advised the file was complete and sent to the investor for a decision. The modification was denied on XX/XX/XXXX which is less then 30 days. I was then advised my only option is liquidation. I quickly appealed this denial and today, I was told the appeal was denied and still, my only option is re-instatement. My loan originated XX/XX/XXXX and my rate is 6.125 %. My monthly gross income which is based off my weekly paystubs is {$4000.00}. 31 % of that would make the proposed modification payment {$1200.00}. My current payment is {$1400.00} so there is still a small savings. I am not even asking for a lower payment, I am just begging this bank to acknowledge my major hardship and give me a chance to resume making payments so I can keep this home I love and need so much. My reason I fell behind to begin with was due to XXXX. I had been out of work for a few months while XXXX. When I was finally strong enough to return to work, I applied for a modification and I have been getting denied since. I have all the medical documents to prove all of this as well.
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| 06/18/2015 |
Yes |
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Web |
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I have a credit card with Suntrust bank with a {$2500.00} limit. About {$2000.00} is on the card. Minimum monthly payment was about {$59.00} - I 've been paying {$65.00} a month on time for XXXX years with no lateness. Was XXXX late in XXXX of this year - by mistake, did n't realize they 'd be close due to a holiday - bank assessed a {$35.00} late fee and raised my minimum payment. In XXXX was also XXXX day late due to XXXX that closed almost all business in TN. ( I live in XXXX ). but for the past XXXX months they 've still gotten {$65.00} every single month, only being late those XXXX times. Still, they assessed {$140.00} in late fees - and have raised the minimum to the point where I ca n't pay it - even after they 've been getting paid for XXXX months absolutely on time. They did agree to waive the late fees but even after paying my normal payment they 're insisting I pay them {$75.00} more this month or they 'll continue to assess " late fees '' and wo n't adjust the minimum payment. they claim there 's nothing they can do - and they wo n't guarantee my minimum payment will go back to where it was. I 'm between jobs and struggling to pay my basic bills - do I have any protections here? It 's not like I was weeks or months late - and it seems to me if they waived the late fees, it 's admitting they got paid. For them to act like the 'minimum payment ' they 've ( arbitrarily ) set is somehow beyond their control seems ludicrous. I still have good credit, and have XXXX other loans with them, both of which have been paid on time for years.
help!
best, XXXX XXXX, TN
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| 02/07/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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So a couple days ago ( XX/XX/ ) I purchased XXXX which my bank ( Suntrust ) allowed me to do but I had to call and verify the transaction. I just moved down to Georgia and got my first paycheck. After my move funds have been tight so I deposited my first check in the amount of {$5100.00} to a Suntrust ATM on the night of XX/XX/. I tried accessing my account online today ( XX/XX/ ) and have found out by calling that my account has " violated terms and conditions '' which was information disclosed by a customer service representative. I don't get paid again until ( XX/XX/ ) and a lot of bills will be due at the same time. I know I am making this complaint early, but I have seen the horror stories associated with banks such as Suntrust freezing money of their clients while they " research the account ''. My account has been open for less than a month now and that was the only transaction that set off a flag and had me call to verify which I thought was standard buying cryptocurrency. If this does violate their policy I would just like my money as soon as possible. I asked the customer service representative where I could find the terms and conditions of the account and he claimed " the only place to find this would be through your online account '', which I have no access to. It feels like I'm being taken advantage of already and I am willing to own up to it if I am not allowed to purchase cryptocurrency. If that's the case I should have read the fine print. I would just like my money so I can start an account elsewhere or to have this issue resolved in anyway possible.
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| 01/14/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American |
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The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!!
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank.
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.
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| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX SUN TRUST BANK/XXXX To whom it may concern, I would like to see the accounting records on the loans that you are accusing me of owing. Are you aware that 's it 's illegal to give out a loan if interest is being charged without having an insurance policy against the loan. I am aware of my rights and the statue of limitations in my state as a borrower. According to The Consumer Credit Act of 1974, it gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! gives the credit consumer a legal process by which to proceed if he/she feels as if their rights have been or are being violated! the courts had historically misinterpreted the laws, falsely deeming student debts as student loans under the bankruptcy code. At this point I feel that you are accusing me to be the owner of the loan accounts listed on my credit file. I feel that my rights are violated in several ways. Accusing a consumer of an unknown debt and misuse of ones credit can turn into a big problem. It is impossible for a creditor to verify a consumers debt attempting to verbally verifying the debt with a credit bureau. The debt was deleted several months ago and it was reinstated back on my credit file just recently.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney General 's Office Cc : Better Business Bureau
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| 11/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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i put a check into my account on XXXX XXXX,2016 i made a few purchases all the amount is accounted for yet Suntrust Bank still charged me XXXX over draft fees every time i put money in there they hold the money extra long then charge me a fee even if when i had not over drawn this is a copy of my statement pay close attention to the dates and how they take the money XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX NY - {$14.00} XXXX RECURRING CHECK CARD PURCHASE XXXX XXXX CA - {$16.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$110.00} XXXX POINT OF SALE DEBIT XXXX XXXX XXXX {$50.00} XXXX POINT OF SALE DEBIT XXXX - {$7.00} XXXX POINT OF SALE DEBIT XXXX XXXX - {$9.00} XXXX POINT OF SALE DEBIT XXXX - {$20.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$80.00} XXXX XXXX XXXX XXXX XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$16.00} XXXX XXXX - {$36.00} XXXX OVERDRAFT ITEM FEE FOR ITEM {$9.00} XXXX XXXX XXXX - {$36.00} XXXX DEPOSIT {$400.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$130.00} XXXX CHECK CARD PURCHASE XXXX*ONETIMEPAY XXXX FL - {$200.00} XXXX CHECK CARD PURCHASE XXXX XXXX CA - {$160.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX XXXX XXXX MD - {$14.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX # XXXX XXXX MD - {$58.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$7.00} XXXX CHECK CARD PURCHASE XXXX XXXX NJ - {$17.00} XXXX CHECK CARD PURCHASE XXXX XXXX XXXX - {$10.00} XXXX ATM DEPOSIT {$230.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$15.00} XXXX ATM DEPOSIT {$1.00} XXXX ATM DEPOSIT {$10.00} XXXX ATM CASH WITHDRAWAL XXXX XXXX XXXX XXXX XXXX MD - {$80.00}
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| 01/27/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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SunTrust has now processed XXXX checks from a business located in XXXX through my personal checking account in XXXX Florida. They were made aware of the situation in XXXX and did nothing to protect my account. It happened again in XXXX ( twice within a couple of days ). No one can say what happened as the source of the error. They supposedly put a block on my account for any checks greater than the # XXXX but that did not prevent the situation from happening a XXXX time last Saturday. Their comments have included well the other account number is similar to yours and we can not tell when or where this transaction took place. Someone was supposed to have called me yesterday with an update regarding the safety of my account and I received NO phone call with regards to the ongoing negligence of SunTrust. Since no one can pinpoint what the problem is or why it keeps happening clearly my money is not safe with SunTrust. I have been a customer with them for over 18 years and now this. There is no way checks from the same company should continue to be processed through my personal account. Luckily I do not live paycheck to paycheck as the amounts of the checks approximately {$880.00}, {$470.00}, {$650.00} and {$740.00} could have been a huge problem for me. This could have caused a huge burden for me financially and SunTrust has not interest in researching the issue to prevent this from ever happening again. Not to mention they charged me a stop payment fee for a check that was not mine that they processed through my account. Something very wrong is going on at SunTrust.
|
| 07/08/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Unable to receive car title or other problem after the loan is paid off
|
|
Web |
Servicemember |
|
The final payment for the Auto loan was made to SunTrust Bank on XX/XX/XXXX. The payment was on time and they are reporting this as 30 days late ( 1st problem ).
We have not received the title. I co-signed on the loan with my brother in law and he reached out to them on XX/XX/XXXX and the said they would send a copy of the title nothing was sent.
I contact Sun Trust on XX/XX/XXXXand talked to customer service representative by the name of XXXX and he told me he could not access the account and provided me with the Dispute number for credit and that the DMV would have the title.
On XXXX I spoke with XXXX XXXX and she has stated there is no late payment showing and that she would forward the back up to me. This will take about 30 days. She is showing the title with the DMV.
XXXX - Contact the DMV and they are telling me that I can not get the title because Sun Trust has a lean on the title.
XXXX - Called customer service on the title and spoke with XXXX, He said after the previous request there was no additional information sent to us. His notes show that they let the DMV know the title was clear and they were not able to re-submit information to the DMV. He resubmitted a request to send documentation to us.
This loan was paid in full under the terms and we are not able to get a copy of the title. Additionally, I want to ensure that any and all notice to the credit agency state we are late in paying are corrected. They have mine as showing 30 days late on the final payment and my Brother in law is showing paid on time.
Thank you for your assistance.
|
| 01/09/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Older American |
|
I have been banking with SunTrust for many years and on XX/XX/XXXX, I tried to log into my account to review my account balance and I was not able to gain access via online banking. I then visited my local SunTrust branch and was told that the bank had frozen and blocked the account. The bank representative explained that the bank was no longer allowing any transaction to be paid against the account.
I then asked the bank representative how long will it take before the bank would be releasing the remaining funds of {$2700.00} and was given an estimate of about 15 days, which the representative said was the usual amount of time after an account is closed, before a check is mailed out for the outstanding balance. However, to this day ( XX/XX/XXXX ), I have not received my money and although I have tried several times to ask about it, I can not get the bank to confirm a release date for my money and they will not give a time line. Today, on XX/XX/XXXX, I even went back to my local branch and the representative I spoke with called SunTrust 's fraud division and informed me that the funds were being held " indefinitely. '' She said the department representative, who would not talk with me personally, did not offer a specific day, just indefinitely.
I have not defrauded the bank in any way and I don't feel that I should not be given my money that the bank is holding. There is also nothing going through and I believe they can see that. I have given the bank sufficient time to ensure any transactions that I made against the account have cleared through the bank.
|
| 06/29/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Good Morning, I am having an issue with my flood insurance which is being required by SunTrust Mortgage. I obtained a flood policy from the XXXX for the dates of XX/XX/XXXX-XX/XX/XXXXfor {$720.00}. Suntrust paid this policy to XXXX from my escrow on XX/XX/XXXX. I then had another year of flood policy from XX/XX/XXXX-XX/XX/XXXXwhich Suntrust paid to XXXX for {$720.00} from my escrow account on XX/XX/XXXX. On 6/14/18, nearly two years after the first flood policy Suntrust stated that the zone on the policies was incorrect. They charged my escrow account for a lender placed policy with a charge of {$2200.00}. Because this is 20 months after the policy I can no longer get XXXX to change the zone ( not to mention XXXX has sent several FEMA issued documents stating that we are in zone X which I have shared with Suntrust but they will not acknowledge them ) and I am now stuck paying both the {$720.00} original charge and the {$2200.00} charge for the same flood coverage period. Suntrust is also about to charge me another {$2200.00} for the second policy period. I asked if I could get a refund from XXXX for the {$720.00} since Suntrust will not recognize that policy and they can not since it was already paid. I'm not sure why Suntrust is paying these policies and then coming back years later and saying they are invalid and charging me three times as much for lender placed insurance ( 4 times as much considering I can not get back my payment to the XXXX back ). My escrow account is being severely overcharged causing my monthly payments to increase by a large amount.
|
| 04/10/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem when making payments
|
|
Web |
|
|
I have an outstanding loan with XXXX / SunTrust in respect of a loan from last year.
I submitted a request online and followed up with a phone call today. I spoke with a customer service person and, when he said he could not help, with his supervisor " XXXX ''. Both were civil but condescending and not helpful.
I was requesting a copy of a pay stub or pay stubs that they have and confirmed they have. I submitted the pay stubs as part of my loan application.
Since then, I have changed jobs, no longer have access to my former work email, and do not have a copy of the pay stubs. My former company has given me a XXXX but has not been agreeable to provide copies of pay stubs.
As a customer and owner of the personal data in the pay stub, I asked XXXX to provide a copy, provide access, or confirm data in it. They refused to do any of those things and said that the information does not belong to me and that they will retain the document but will not give me a copy of it.
I believe that's inconsistent with their policies, my rights in the data, and of course it is ridiculously poor customer service. I have made all of my payment on time and, in fact, I have prepaid a large portion of the outstanding loan. Due to events outside of my control, I no longer have copies of my pay stubs but as a responsible borrower and taxpayer I would like to have copies of my own pay stubs.
Accordingly, I am making this complaint. I would like LightStream/SunTrust to provide me access to pay stubs and my own personal data submitted together with my loan application.
XXXX
|
| 11/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
To whom it may concern : - I have faithfully paid my suntrust credit over the last year and several months. During a regular check of my credit report, I noticed that they had reported my account 30 + 60 days late. I had attempted multiple payments over the period that they reported me late, and each one of the payments was reversed. ( I have documentation of this ). XXXX Payment for {$3000.00} reversed by Suntrust XXXX Payment made by me for {$2400.00} XXXX Payment for {$2400.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} made by me XX/XX/22 Payment for {$5000.00} reversed by Suntrust XX/XX/22 Payment for {$5000.00} reversed by Suntrust - I visited multiple branches to speak with branch managers to rectify the issue, and was assured that once I brought my account current the reporting would be rectified. Since they were reversing my online payments, I went to my bank immediately and obtained a cashiers check to bring my account current. Once I did this, I was informed that there was nothing they could do to bring my account current.
- I had multiple, very lengthy calls with the credit department and each time was told they would not be changing the status on my credit reports despite all the evidence of payments made and then reversed by suntrust.
- I submitted a letter & documentation to all 3 credit bureaus documenting the above facts, and no changes have been made.
I am happy to submit additional documentation and would just like the inaccurate reporting to be corrected with the credit bureaus.
|
| 09/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
I refinanced my mortgage with XXXX XXXX. My mortgage was with SunTrust prior to the refinance. On XX/XX/XXXX SunTrust sent a payoff statement to XXXX. However, the payoff statement was inaccurate because I had cancelled my XX/XX/XXXX payment but SunTrust included the payment in it's calculation for the payoff statement generated on XX/XX/XXXX. On XX/XX/XXXX SunTrust realized that I cancelled the payment so they generated a new payoff statement which they claim was sent to XXXX on XX/XX/XXXX. However, XXXX never received this payoff statement and SunTrust has no record that they actually sent the statement.
So on XX/XX/XXXX a wire was sent to SunTrust to payoff the mortgage. The amount sent was based on the XX/XX/XXXX payoff statement because no one knew about the statement generated on XX/XX/XXXX. At that time SunTrust contacted XXXX XXXX company to let them no the payoff was short. Silk then contacted XXXX on XX/XX/XXXX to let them know. I was never notified of this issue. On XX/XX/XXXX by my own efforts I discovered there was an issue with the payoff. However, for 6 days I had two loans one my property both of which were accruing interest. This could have been solved in multiple of ways. Most notably I could have been contacted by XXXX on XX/XX/XXXX so that they payoff could have been corrected and I wouldn't have incurred extra fees and interest. Additionally, SunTrust should have honored the first payoff statement because they have no proof they sent it. XXXX said they would honor the XX/XX/XXXX statement if SunTrust could prove they sent the fax.
|
| 06/28/2017 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My vehicle was involved in a MVA on XX/XX/XXXX. My insurer determined the vehicle as a total loss and paid the lender, SunTrust, with my gap insurer to pick up the remaining amount. I made the XX/XX/XXXX payment within the ten day grace period ( although the title was already signed over to the insurer, payment had not yet been made to the lender ). On XX/XX/XXXX, SunTrust received the payoff from my insurance carrier for {$27000.00}. That same day SunTrust also received a reimbursement from the dealership for a pro-rated protection plan reimbursement in the amount of {$600.00}. On XX/XX/XXXX they charged me a {$29.00} late charge for not making the {$580.00} monthly payment in XX/XX/XXXX even though they already received {$28000.00} in XX/XX/XXXX. My payment on my original loan has a due date of the XX/XX/XXXX of every month ( 10 day grace period ), and as of XX/XX/XXXX I had already received two collection calls for the {$580.00} even though the remaining amount on the loan was {$5800.00} ... .. My gap insurance has sent payment to cover said amount however, it was delayed because SunTrust would not provide the requested information. Finally, they sent the requested information to me instead of the gap insurer and I in turn had to forward it to the gap insurer - all of which bought time ... Their delay tactics, illegal late charge ( they have since credited ), and illegal collection calls on an account that was current is unacceptable.The loan is now paid off however, SunTrust still is not admitting that I should not have been sent to collections ...
|
| 06/10/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have been behind on our Home Equity Loan with SunTrust. We have been working with them on the XXXX mortgage as well as the home equity loan, but despite all the hoops we have jumped through for them, they have turned us down for a loan modification. Funny thing is that after they turn us down, they send us a packet saying they want to help us!!!! Now, we have finally found a way to get caught up on our XXXX mortgage, and I called the same bank -- Suntrust -- to get caught up on our home equity loan and they informed us they have charged off the loan because we are five days late. WHAT???? Yet, they accepted a {$300.00} payment last month ( XXXX ), a {$500.00} payment just went out, and I am holding in my hand a bill from them saying our due date is XXXX XXXX. How on earth can a bank charge off a home equity loan without sending out some sort of certified mail notification? I am shocked and disgusted by SunTrust. We have been battling with them for over a year over payments they have returned, causing us to be late ( we have proof from our bank but they wo n't admit they returned the money ) -- we finally caught up and now they are trying to charge off our XXXX when we have been sending money every month and are now literally sitting on the phone trying to get caught up. They are a joke and the whole idea of " let us work with you and help you keep your home '' is a fraud. I hope the CFPB can help us to hold them accountable for either their stupidity and incompetence or downright inhuman treatment of hardworking people trying to do the right thing.
|
| 07/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
We found 4 charges from XXXX over a 4 month period where someone used my credit card numbers to obtain PrePaid cards and then used them to ___? Pay their own payments? Or?
I went to XXXX and filed a lengthy claim. They say they do not have the authority to check who, where, how, anything about theses transactions. Were they in-store, card captured transactions? Were they online or? WE were told it had to be taken up with my financial institution and my institution working with them.
I've been inside my local branch 10-15 times filing reports, submitting papers, etc. and have received 3 form notices telling me that my request has been denied. They indicated that since I had my actual XXXX cell phone account on autopay or ACH, $ 100- {$100.00} every single month on the same day, then these extra charges are my charges too. XXXX XXXX! On two separate trips, one month apart, my branch employee called and discussed the fact that I'm a 17 year customer, XXXX years old and I don't file bogus claims. That employee, XXXX, then twice requested their documentation as indicated on the bottom of each denial. My bank refuses to give me ANY documentation about their investigation about MY account and MY losses as required.
We checked back with XXXX in XXXX and XXXX informed us they had not been contacted by anyone from Suntrust about this stolen money.
Why is the bank that's held my Business and Personal accounts for 17 years refuse to cooperate with me in the slightest bit? Forget the outright fraud, how do you treat a valid customer like this?
XXXX XXXX
|
| 05/14/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
I had a home equity line of credit with Suntrust bank with XXXX balance but because there was a lien on the property my home insurance claims adjuster made the check out to me my wife and Suntrust bank. I discussed with the claims adjuster what if we closed the HELOC as there is no money owed on it and showed no mortgagee clause on my home owners insurance policy can he issue the check just in our names and the answer was yes. Upon our arrival at the bank I was told by XXXX XXXX as the amount was in access of {$15000.00} the check will have to be mailed out to their office in XXXX to be endorsed When I asked them to close the equity line another person at the bank XXXX XXXX said it will take 30 days or so to get the lien released and delay the process but they can send the check to XXXX and I will have it back in 2 to 3 days, this was on XX/XX/XXXX. I waited for the check till the XX/XX/XXXX no check so went back to the bank and spoke with XXXX XXXX and cancelled the equity line, and removed the mortgagee clause from the insurance policy and requested the claims adjuster to re- issue a check just in our name, as he was working on issuing a new check it came to his attention that the original check was already cashed by the bank, how could they cash a check made out to us and them without our endorsement, this happened on XX/XX/XXXX so went back to the bank and spoke with the manager XXXX XXXX hoping to get a check from them to no avail I am still waiting to hear back from them, they in my view they have committed a fraud by cashing this check.
take
|
| 04/27/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On or about XX/XX/XXXX I went to the local Sun Trust bank to open a CD. I was referred to the investment Rep, XXXX XXXX, to consider their " Sun Trust Index-linked Certificates of Deposit ( SILC ). I was given some paper work which I read and was told that the SILC was only available until the end of the month. I was not told and no where in the paperwork did I find any info indicating that they would charge a surcharge for opening the account. I opened an account for a {$50000.00} six year CD with a guaranteed return of 5.5 % at the end of the term but that it could be higher based on the XXXX XXXX XXXX. In early XXXX I received a statement indicating that my account with a settlement date of XX/XX/XXXX had a value of only {$48000.00} and a cost basis of {$50000.00} as of XX/XX/XXXX with an unrealized loss of {$1500.00}. I questioned XXXX XXXX as to what happened to the money. He said it was due to fluctuation in the market which I told him was impossible to have a drop in the XXXX of exactly 3 % on the day of the transaction. He later changed the story which he has changed a few other times and now says it is in the document that there would be a charge but he still will not tell me where in the document this info exist. In XX/XX/XXXX I received a XXXX for the {$410.00} interest but no mention of a fee. I obviously had to pay tax on the {$410.00}. It appears that they treat the income similar to other stocks or bonds but not the cost basis. I feel someone needs to review where those funds go. I have never heard that a bank charges for opening a CD.
|
| 04/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
Servicemember |
|
On XX/XX/2018 I made a {$87.00} purchase with a Suntrust rewards credit card that was eligible for an activated Suntrust deal for 20 % cash back on a purchase from XXXX XXXX.
On XX/XX/XXXX I had not received my rewards and I contacted Suntrust to inquire about the status of my rewards. I was told to wait 6-8 weeks for the reward to be deposited. ( I was not told whether the Suntrust deal was earned or not ) On XX/XX/XXXX I contacted Suntrust again with the same issue of not receiving my rewards. I was told an investigation was opening on the issue. I received no further communication from Suntrust.
On XX/XX/XXXX I contacted Suntrust customer service to inquire about the investigation. After 2 hours speaking with customer service, I was told the results of the investigation were that I had not received the Suntrust deal, despite meeting all the necessary requirements to earn the rewards. I was told that there is a 90 day window to dispute unearned Suntrust deals, starting from the last day of the deal 's eligibility. This information was not readily available when researching Suntrust deals. Multiple customer service representatives were unaware of this 90 window which lead to the 2 hour long call with multiple representative transfers.
The end result was that I did not receive a Suntrust deal reward that was advertised because the Suntrust deal online banking system did not properly accept my eligibility and the support department failed to properly notify me of the status of my Suntrust deals and the available steps I could take to dispute them.
|
| 03/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
SunTrust Mortgage reported my XX/XX/2018 payment late to credit bureaus. The payment was late because XXXX XXXX XXXX had put a freeze on our checking account that resulted in automatic cancellations of all bill payments. We did not know about this freeze as, apparently, the bank had sent a physical letter to our old address requiring some documents. Since we never received this letter, we could not provide them the document they needed. SunTrust had the address wrong when they initially tried to contact us. They never called us to alert that the payment was late. We had never been late on our mortgage payment before. Now when I tried contacting SunTrust mortgage, they required a letter from XXXX XXXX XXXX that the account was frozen by bank and it was not us who cancelled the XXXX payment. We have provided them whatever information is available to us to prove that it is not our mistake that XXXX XXXXXXXX XXXX cancelled our payment without our knowledge. When we first talked to XXXX XXXX at SunTrusts credit dispute department, he confirmed that he will remove this late reporting because it was not our fault. Apparently, XXXX never reported to have this late note removed. We have talked to several representatives at SunTrust to no avail. I am attaching the document that was sent to SunTrust in explaining that late payment was not our fault. SunTrust refused to accept that bill payments were cancelled by XXXX XXXXXXXX XXXX without our consent. I have talked to several representatives at SunTrust including XXXX XXXX, XXXX, XXXX and others with no help.
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On XXXX XXXX 2015 I realized that I might have problems paying Suntrust mortgage because the house was struck by lighting. I called and spoke to representative who transferred me several times and they completed a three way call with XXXX XXXX XXXX to provide a credit to cover the XXXX 2015 payment. A three way call with all parties stating they recorded and banking info provided to debit the account. XXXX XXXX XXXX agreed and said they would credit it and then receive the payment from me XX/XX/2015. Suntrust sold the loan to XXXX and never pulled the XX/XX/XXXX payment as agreed, Did n't apply the XX/XX/XXXX payment that I paid and submitted information to XXXX that my last payment was in XX/XX/XXXX with no insurance on the home even though it is attached to the mortgage. I only found out when XXXX sent me my first statement requesting proof of insurance that no payment had been paid to my account. When I called Suntrust they said they have no record of it even though my Bank account shows the opposite. XXXX XXXX XXXX has provided documentation twice to them. XXXX is now my primary mortgage company which a payment was made but my credit and late fees had taken a negative hit due to their negligence because they violated RESPA. XXXX said they have until XX/XX/XXXX to fix the situation which no current statements show any progress. Since they did not pay any payment I am now 2 months behind instead of current which will be currently eventually but not for a while. Suntrust has also refused to take any responsibility since they no longer own the loan.
|
| 05/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I open a business checking account with Suntrust bank in XX/XX/2019 and make 3 deposit between 3 days total amount of XXXX and the same day that I receive my debit card I couldnt activate the card and when I call customer service they said that my account was terminated and if I want more information about it I have to visit the branch when I visit the branch they tell me that my account was closed but the banker said there was any note noticing why they terminate the account, she call someone through the phone and the person said in speaker that they cant tell me why but they just cut the relationship and business with me but in a couples of days they would send a check with my money and a letter letting me know that they close the account because they cant give me my money back in the branch, they havent send the check or the letter and I even use the account as a young entrepreneur and father of a family im very frustrated because this was my startup business and my first payments received and I lost the clients and potentially income ( around {$85000.00} ) i even want to continue with my business Im very disappointed because of the unfairly and discrimination against clients by this institution Im making a call to CFPB to investigate this institution because if you do some research this is not the first time that Suntrust banks do this unfairly actions against clients they let people open accounts and make deposit and in a time lap of 3 to 5 days they closed and hold the funds for several days or weeks without any concrete or reasonable reason
|
| 07/05/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
At the beginning of XXXX XXXX saw an ad for a XXXX XXXX XXXX XXXX XXXX on a classified website called XXXX. I texted the number listed and talked to the guy selling the item in North Dakota. I told him i would pay for shipping as well. After going back and for on buying the machine i decided to buy it on the XXXX of XXXX. He suggested XXXX through XXXX to send him the money. I said ok, since he already sent me a video of the item and i talked to him on the phone to arrange the payment. After i sent the XXXX via XXXX, i tried to arrange a shipping date. He kept making excuses on why he was not going to be home. He even said he damaged the machine a bit while moving it and so on. I thought i had a date finally set, but then he had another excuse come up and was not able to be home. With 2 weeks already gone by, i finally said give me my money back. He never contacted me back after i wanted to get my money back. I contacted my bank and submitted a report in to my local police who should have contacted the police in XXXX North Dakota. I am including the transaction number of the XXXX transfer and all my text messages. I also have the negative response to my request with Suntrust bank to get my money back.
My Bank said they could not do anything since the Moneytransfer went through. This does not make sense to me because it is not the matter of the money transfer actually working, it is that it was that i never got the item i was paying for with the money transfer This is a simple case of Fraud and i thought i was protected form that with my Bank.
|
| 03/18/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Deposits or withdrawals
|
|
Web |
|
|
Since XXXX Ihave been trying to find out Who set up certificates of deposits in my name and joint with other persons When I went into suntrust bank on numerous occasions I was told my monies had a hold on them I found out that there certificate of deposits set up by some person but they were locked in and I couldn't access my monies. As per branch manager at XXXX XXXX in XXXX XXXX .va I have called and sent letters for them to track these monies I have over a XXXX dollars in settlement monies. Thru XXXX XXXX and XXXX XXXX stolen lost and unaccounted for. I have had identity since XXXX & XXXX reported to all credit agencies and registered with the FTC. And confirmed in XX/XX/XXXX by the office of the comptroller for currencies USA Over 20 fraudulent credit requests from XXXX at XXXX XXXX XXXX XXXX XXXX claims fraud on a hard XXXX credit request in XXXX and a XXXX XXXX claim in XXXX with my name fraudulently involved by employee XXXX at XXXX XXXX in new York .the fraud prof goes on and on Also in approx XX/XX/XXXX there were settlement checks issued. To me under XXXX XXXX XXXX from their suntrust bank in XXXX va from XXXX XXXX XXXX XXXX XXXX in XXXX va for {$58000.00} approx And partial payment of approx {$3300.00} approx And {$76000.00} approx As per emails from XXXX XXXXat XXXX and XXXX the one was issued in XXXX and the others no record if issuing from suntrust with no record I have never cashed or deposited any of the checks Suntrust refuses to locate the settlement checks and certificates of deposits as per their XX/XX/XXXX & XXXX letters
|
| 11/05/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Can't close your account
|
|
Web |
Older American |
|
in XXXX there was fraudulent charges on my Suntrust credit card. I called them they ask if the charges were mine i told them no they told me they were canceling the card and sending me a new one. I waited 2 weeks and never received the new card. called them again and was told it was sent out, wait until the end of the week they told me. never got it so i called again, this time i was told that there was no card sent out that the card was frozen and i would have to come in to the branch office to un freeze it. asked were that was, was told that they are in Virginia and Georgia. Im in XXXX and that was not going to happen. so they told me that they would send it to be investigated and they would call me to see what could be done to close the account. this was the last week in XXXX. I left for the winter to XXXX XX/XX/XXXX they did try to call me on XX/XX/XXXX i was craving and missed the call have repeatedly tried to call and left messages no response so i sent a message on there site. they answered back and someone would be calling me from investigations. still no call. i messaged Suntrust again they messaged me back and said that they did call me. Not true i have had my phone at all times and have not gotten a call. messaged again they asked for my phone number and a good time to contact me. again and was assured they will be calling. Still no contact. I just want it closed do not understand why they can not do this. I have never had the trouble that i have had with this bank i would advice no one use SunTrust if you don't live in there area.
|
| 09/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
My husband and I notified our Bank on XXXX XXXX, and XXXX that we had several unauthorized transactions resulting from a XXXX XXXX that we used rewards points to stay at. As a result of our stay with XXXX, we were supposed to be given diamond membership status and we were supposed to be given the best rate guarantee but neither were provided so we were double charged and overbilled. We contacted Suntrust to advise them of the issue ( s ) and we were provided with a dispute claim number.
The representative did not take the details of the complaint correctly as it 's incorrectly notated that my husband is n't a Suntrust team member when he is a banker for their company. We provided the signed affidavit that stated that the transactions were unauthorized and selected the designated choice. Their affidavit is in violation of Regulation E by requiring us to provide documentation in order for them to consider our dispute.
We were advised on XXXX, the day before we were to be provided with our provisional credit that our claimed had been denied because we told them that it fell under the wrong category for a dispute and that we had previously done business with this merchant. We have asked for documentation of their investigation, and they sent us a rebuttal form that is in direct violation of Reg E stating that we must provide sufficient proof of this transaction in order for them to investigate it. They did not investigate our claim and closed our claim to avoid providing us with the provisional credit.
Please see the attached documentation.
|
| 06/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I deposited a check from a law firm in the amount of {$120000.00} into a Suntrust branch for the amount of {$120000.00} on XXXX/XXXX/XXXX. I was told by the teller it might go in my checking account that evening but it could take a day or so to clear since it was such a large amount. The next morning my account showed the credit, but by mid-morning Suntrust had put a five-day hold on the funds until XXXX/XXXX/XXXX.
I contacted Suntrust and found their Customer Service extremely rude and unprofessional. I told them that I did not understand why they needed to hold the funds for an entire week if the check had cleared. I spoke to several managers and they refused to budge on this issue, although I had been a Suntrust client since XX/XX/XXXX.
This is not the first time I have had problems with Suntrust holding large sums of my money. Just two weeks ago I called in advance to Suntrust advising them I would be using my debit card to make a large purchase of {$14000.00} to alert them so it would go through. What ended up happening it went though on Suntrust 's end but not the vendor 's end so my {$14000.00} was debited from my checking account but not credited to the vendor so he could not release the merchandise but my money was gone. This happened on another occasion as well, so I am increasingly concerned about Suntrust 's ethics and using my money for personal gain.
I have read through other people 's problems with Suntrust but there does n't seem to be much resolution on the part of CFPB. Where else can one go for help with corrupt banks?
|
| 07/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
( Orig. claim # : XXXX ) I spoke with a lawyer on XX/XX/XXXX to help further my ability to recoup my lost/missing/stolen SunTrust checking account funds. While the missing funds may well be a banking error, I lawyer advised that the funds could be missing due to bank theft, and that since this is my first experience with possible financial crime, so I did not realize that this would need to be a criminal report, not a fraud report ( as originally filed w/ the police about 2 weeks ago ). The lawyer advised that I contact the XXXX Police Department again and amend my incident report from " fraud '' to " theft by taking, '' since Suntrust can not explain the discrepancy as to why the account balance is {$1500.00} less than it should be and note that this is a breach of their contractual duty and failure to perform. '' I named SunTrust XXXX XXXX Branch Manager XXXX ( located at 1 XXXX XXXX XXXX XXXX, XXXX, GA XXXX, tel : ( XXXX ) XXXX ) as the representative of SunTrust. ( Ms. XXXX XXXX reviewed my checkbook register which covers the time period from XX/XX/XXXX - XX/XX/XXXX and did not note any errors in my calculations. ) Today ( XX/XX/XXXX ), on the lawyer 's advice, I will be filing a claim in XXXX County Small Claims courtmy first and hopefully my last. I am newly retired and extremely cautious with my money, which is why Im fighting tooth and nail to get it back from SunTrust, who has been incautious with it and caused me extreme duress on top of the stress of living without my money which has required dipping into an emergency fund.
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I applied for a home loan from Suntrust in XXXX Fl for a home I own in XXXX XXXX, FL. The loan was a " no escrow '' for real estate tax. After XXXX different loan estimate statements, I finally received a " final '' XXXX with a requirement that I prepay real estate taxes due next year. This was never mentioned in any of the HUD required documents, nor in the initial application docs that I received and signed. The following is part of an email I sent questioning this charge : I am questioning the {$6500.00}. funds needed to close in the XXXX XXXX loan estimate statement that does n't define the payouts. I have questioned this many times since and never received an answer. The need to prepay or set up a escrow account for 2016 real estate taxes was never mentioned.
I wo n't receive the 2016 tax bill until XXXX XXXX and I usually pay it soon after to receive the 4 % discount for early payment. The XXXX XXXX loan estimate does n't show any prepay or escrow for the 2016 RE taxes. It was scheduled to close by XXXX XXXX. The same $ XXXX loan shows no deficit for this need.
Their reply was : " We are not setting up an escrow account, the funds are collected at closing to insure the taxes are paid for the year and will be held by the settlement agent. Most, if not all lenders have this requirement. '' I would think current HUD requirements would require them to disclose this in their application and the XXXX previous loan estimate statements that did n't have this payout.
I have asked for my application fee to be refunded and they refused.
|
| 05/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me
|
| 04/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I have been before the CFPB before concerning SunTrust bank. After the 2 previous complaints SunTrust refunded fraudulent fees they were charging to my savings account and discontinued the practice of sending me unrequested monthly statements and then charging me for them. How ever as of XX/XX/XXXX the XX/XX/XXXX SunTrust is again fraudulently charging me a monthly maintenance fee of XXXX. This time its my checking account. I have never seen this charge before. This is the first time they have done this as far as I know.
My account was originally a " XXXX '' maintenance free checking account. that was in XX/XX/XXXX I believe. The only stipulation was that I allowed XXXX to transfer XXXX dollars a month from my checking to my savings. I agreed and sign up for the maintenance free account. Then XXXX bought out XXXX, and my account remain as I sign up for, a maintenance free account. Finally SunTrust bought XXXX, and inherited my Maintenance free account. I have not requesting any changes to my account type or status. It is a maintenance free account and I want it to remain as such.
For the most part SunTrust follows the account legal agreement and transfers XXXX on or about the XX/XX/XXXX of each month to my savings account which is part of the agreement. they did so on the XXXX of XX/XX/XXXX. The only issue I have with them currently is that they are now deducting a XXXX maintenance fee and my account is a maintenance " free '' account.
This is the 1st time they are doing this and I want them to stop it before they do it again.
|
| 03/12/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
PLEASE HELP!!!
Two money transfers between XXXX XXXX XXXX and XXXX XXXX using " XXXX '' application to PHONENUMBER ( XXXX ) XXXX as follow : 1 ) $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX to XXXX XXXX XXXX .
2- $ XXXXUSD sent on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX .
Both were received at SunTrust Bank account for an individual named " XXXX '' we do not know his last name.
My wife went to XXXX XXXX to find out who was the previous owner of her telephone line prior XX/XX/XXXX ( date she purchased that line ). They said, they could not provide that information to her ; even though she explained the emergency.
She tried to call the people that sent texts to the prior owner. They answered " I don't know XXXX 's last name ''.
We called SunTrust and they told us " Initiate a research with XXXX XXXX XXXX '', I started the Dispute charge back.
After 23 days of that investigation, I received a letter, telling me that they couldn't find the " recipient '' who " retained '' my money and " they consider this matter resolved ''.
We are honest people that work 40 hours per week in order to get paid, not to get robed. We worked for that money and it is really frustrating thinking about the " recipient '' having fun with our funds.
That person could be someone that is trained to run this type of fraud. My wife had that telephone number until XX/XX/XXXX and decided to change it to a new number because all messages were about " disgusting services ''.
We really appreciate the time and help you can provide. Thank you.
|
| 11/03/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
|
|
XX/XX/2015 I bough a XXXX XXXX. I received information to start making payments to Suntrust Bank. I made my payments on time with Suntrust and then I received a letter from XXXX stating that my loan was paid and I would receive title to car in the mail. I received the title in the mail. I called Suntrust to make my payment and I was told that account was closed. I kept trying to make payment to Suntrust and was not able to. I then received a late notice in the mail from Suntrust. I then pulled my contract with XXXX and realized that my XXXX was to be financed with XXXX, not Suntrust Bank. I then proceeded to take letter and title to XXXX to have problem fixed. This was then reported on my credit. The general manager stated that I owned the XXXX and that for me to fix my credit I needed to trade the vechicle in and they would pay off my trade in. I then was financed with a XXXX XXXX pick up truck. 2 months later, I receive a nasty email from the XXXX XXXX stating that they wanted my truck back. They then repocessed my truck at my wife 's job. I was then given back the XXXX and now Suntrust bank wants to repocess the XXXX because payments were not made on the XXXX. I have tried explaining to Suntrust the situation and they will not do anything about it. They are going to take the XXXX back. I feel that this error is with XXXX and they need to fix their mistake. I can not afford to obtain an attorney. I feel that XXXX has committed fraud. I have all documents showing that the contract that I signed is with XXXX, not Suntrust bank.
|
| 09/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX I deposited a check in the amount of {$98000.00} dated. The check was made out to my company XXXX XXXX XXXX. The check was dated XX/XX/XXXX check number XXXX. Before I allowed XXXX XXXX to deposit the check I explained to him what the check was for. I have a asphalt contract with XXXX XXXX XXXX. He called someone on the phone and came back and assured me that there would be no issues. He stated that {$49000.00} would clear within 5 days and the other balance of {$49000.00} would clear five days after that. Before the money was to clear I received a message stating that my account had been closed. I also received a statement stating that {$98000.00} was in my account. I went to the bank he requested that XXXX verify the check. They did verify the check. He stated that the account would be reopened and it would clear in 7 days. Once again no money cleared. Went back to the bank and told me that the check would be mailed out. No check was mailed out. I called the bank and a rep stated that the check was being held in the vault and I should get a letter in the mail as to what I needed to do. No letter has come and no money has come. XXXX XXXX requested that the money be sent back. No money has been sent back. XXXX XXXX has not been helpful he has been giving me the run around. When I call the bank they leave me on hold and he never picks up. He does not answer emails. The prje3ct is now on hold because I have no money to pay the workers or buy asphalt. I need the money to be returned back to me or back to the sender.
|
| 02/03/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
On XXXX/XXXX/XXXX I faxed XXXX affidavits regarding XXXX unauthorized debits to my Suntrust savings account.
I also called Suntrust on XXXX/XXXX/XXXX regarding XXXX unauthorized checks debited from my savings account and was provided with XXXX case numbers. On XXXX/XXXX/XXXX I received 2 letters informing me of credits to my savings account from XXXX of the unauthorized checks. On XXXX/XXXX/XXXX I took the XXXX affidavits that were mailed to me to a Suntrust branch to have them witnessed, notarized, and interoffice-mailed from the branch. On XXXX/XXXX/XXXX my savings account was credited for the XXXX checks associated with the XXXX affidavits.
The remaining check amount of over {$2000.00} has not yet been credited back to my account. I never received an affidavit for this claim made by me on XXXX/XXXX/XXXX. I have called Suntrust fraud department 8 times between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX regarding the status of the remaining claim. On 6 of those calls I was told that the claim is still in process, that the case would be escalate, that I would be contacted by phone or email with 72 biz day hours, and on at least one of those calls I was told that an affidavit was not required at that time. I have not been contacted by Suntrust by any method regarding this final claim. On my last call today ( the first call was dropped after being put on hold ) after I advised the associate that I would report this situation to CFPB, the media, and/or upper management, I was advised that an affidavit would be sent regarding the claim.
|
| 10/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I opened a checking account with Suntrust Bank on XX/XX/XXXX with an opening deposit of ( I think ) {$100.00}. I never received a debit card. About 1 month later I received a letter apologizing for not sending a debit card and stating that an extra {$25.00} would be deposited to my account as a courtesy. I never received a debit card, never received more information from Suntrust, and could not open an online account without the card.
XX/XX/XXXX I received a notice from Suntrust stating my account was overdrawn and that I owed {$7.00}. I had been charged a monthly fee of {$12.00} for 11 months.
I called in on XX/XX/XXXX and was told that my account was now {$19.00} in arrears and that they could n't cancel the account unless I flew to a state with a physical branch and cancelled in person after paying what I owed. Finally they granted me credits for {$24.00} and said I needed to call again to have my account cancelled.
I called on XX/XX/XXXX and spoke with a Supervisor named XXXX. XXXX stated that she could credit me an additional {$48.00} but that the system would n't allow her to credit me the full amount of my opening deposit. She said she would close my account the next day and I would receive a check for {$53.00} shortly.
On XX/XX/XXXX I received a statement ( my first ) from Suntrust showing I was again assessed a {$12.00} fee on XX/XX/XXXX.
On XX/XX/XXXX I called Suntrust again and was told my account was closed on XX/XX/XXXX after the fee was again assessed. There was no explanation for the processing delay.
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, I am asking for help about unauthorized charges in my bank account, my account was frozen around the month reported in the process that I received multiple fraudulent charges, when my account was updated I reviewed all my accounts and saw multiple charges then I proceeded go to a XXXX XXXX branch to make a claim about all the fraudulent TRANSACTIONS in my accounts told me to wait 30 days maximum, wait time and call to know about the process they told me they canceled it they did not give me a correct reason so I decided appeal the case and now it is again in investigation please I need you to thoroughly review each fraudulent charges and return the funds to my bank account and I demanded information about the people who could have used my information in every charge I had in my account please demand that come back my money is the second time I am sending this complaint if you need more information do not hesitate to tactarme .. please respect the case of these charges I already said everything with respect to what I knew about these unauthorized charges apparently do not value my rights as a consumer are based on what they think not on what they should do review each charge and see what information was used to perform each fraudulent charge not on what you think because you are always making the decisions that you want I demand my consumer rights and return all funds from all fraudulent charges ... it's too much what I have waiting for XXXX and they never help me ..To contact me I receive calls only in Spanish XXXX
|
| 11/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I had an account with Suntrust for a good three or four years. Overdrafts were a problem, and I admit that I was n't very good at handling them, but overall I think I was a good customer.
I 'd had a good couple of weeks and put together the money to get my account out of the negative, and went to deposit it. I planned then to close the account and move to a simpler and less expensive service. However, I discovered that they had closed my account for me, making it impossible for me to pay.
I have since been unable to open a new checking account owing to some hold, and my attempts at making payments to Suntrust to resolve this issue have all failed on various issues on their end, including unwillingness to take checks ( from family, not from me ) or money orders. I 've also been informed that even if I do pay Suntrust their money it may take 6 months or more for me to be able to open a new account.
90 % of the money they claim I owe them would be their banking fees, and they charged me that money against my will and over my objections. I had made it clear I did not want overdraft protection, and they insisted on continuing to let me be overdrafted and charged me. I suffer from occasional mental health problems and find it very difficult to keep track of what bills at times, especially unwanted fees.
I do n't know what I want you to do. I 'd be happy to pay them all the money they claim they desire, but I do n't feel comfortable bringing them cash. I do n't trust either my branch or them to handle it in such a manner.
|
| 12/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
On XX/XX/XXXX, I applied for a mortgage refinance through Suntrust after being notified that I was pre-qualified to refinance at a lower interest rate. I am financially sound and went through the process of the loan application. Suntrust appraised my home and after the application signing I was told that a closing date would be set soon and that everything was processing efficiently. Around XX/XX/XXXX Suntrust began requesting additional utility bills and a home owner 's insurance declaration. On XX/XX/XXXX, Suntrust requested that the home owner 's insurance declaration be amended with my primary name instead of my father 's name. This was a very strange request because I am refinancing this home in my name instead of my father 's name. I sent the new homeowner 's insurance declaration page to Suntrust on the morning of XX/XX/XXXX as soon as I received the amended document from my insurance agent. On the afternoon of XX/XX/XXXX Suntrust sent me a denial letter because of time-lapse on the application process.
The time-lapse of this application was due to Suntrust. I responded and had given every detail and document that they requested in a timely fashion. All responses between Suntrust and I are documented and dated for validity on the matter. Someone on the end of Suntrust simply " dropped-the-ball '' for weeks at a time during the process. This happened more than XXXX time from XX/XX/XXXX to the end of XX/XX/XXXX. Consequently, interest rates have risen and I can not get the lower interest rate through another company.
|
| 04/11/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust Mortgage has inaccurately calculated my escrow payments for my mortgage since my home loans was funded. They were XXXX number off when processing my tax information. This caused the wrong tax payment to be paid.
I made multiple calls to SunTrust and was assured every thing was correct on the account until I got a letter from my tax office stating that my taxes had not been paid. SunTrust used the wrong tax information to calculate my escrow and then requested that I send a payment of over {$2500.00} to fund my escrow.
So through out my time with SunTrust I have received multiple letters either requesting that I owe money to fund my escrow account or that I needed to pay money to fund my escrow account.
At times I have owed over {$2500.00} and other times received a check for over {$2500.00} not XXXX but XXXX.
I have have been hung up on, lied too, and treated like a XXXX by not only the customer service representatives but from management as well.
Every promise made has been broken, and apparently my issue is still unresolved.
My worst experience has been with the head of the escrow division, XXXX XXXX. She has not only lied to me throughout the process of attempting to correct my escrow balance, but she treated me with such disregard as a human being Its unbecoming of some in her position.
Please help me ... This has cost me thousands of dollars, and SunTrust has shown ZERO empathy or willingness to make right the situation.
We are past apologies! They need to make it right with their customer.
|
| 03/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I 'm no longer an account holder of SunTrust. I used to be until I realized how unethical of a company that is. Let me explain to you why I believe this : For years, SunTrust advertised and promoted in big letters their XXXX XXXX debit card. With that card, an account holder could earn XXXX mile for every {$1.00} spent ( for debit and credit card transactions ). SunTrust even advertised that they would not put a cap on a cardholder 's ability to earn miles.
Over the past XXXX months, SunTrust must have reviewed their debit card portfolio and what they did as a result of their review is shocking : They closed all account holders who had earned above average number of miles regardless of the types of products they purchased, regardless of the length of their relationship with SunTrust, and regardless of the amount of money in their checking accounts. I know of at least XXXX cases where SunTrust contacted XXXX XXXX to have the miles in the cardholder 's account reversed!!!
SunTrust is clearly engaging in what is commonly referred to as " bait and switch '', a marketing strategy of getting customers to sign up for a product ( that, by the way, carries a yearly fee of {$75.00} ) and then, once a certain number of miles are earned, the account is closed. This is unacceptable and a regulatory violation.
If SunTrust does not immediately stop closing accounts and reversing miles already earned, I 'll notify a well-known XXXX XXXX lawfirm to pursue a class action lawsuit against SunTrust and its XXXX and XXXX individually.
|
| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
I sold my residential property with the closing taking place on XX/XX/19. I provided a forwarding address for my mortgage lender, Suntrust Mortgage, to send me the funds accumulated in my escrow account. I never received the funds, so on XX/XX/19 I called Suntrust and was told a check had been mailed to me at my old address -- the property I had sold. I was told they would stop payment on that check and send me another, and that it could take up to ten business days. On XX/XX/19 I called again to say I had not received this new check. I was told it was mailed on XX/XX/19, and I should receive it within 5-7 business days from the check date. I had not received the check by XX/XX/19, so I called a third time and asked for a manager. I was put on 'hold ' for more than 45 minutes. When the manager finally took the call, he said a check had been mailed XX/XX/19, and I should receive it any day. There was no explanation for the earlier date of XX/XX/19 that was given to me on my prior call. It was now 63 days since my mortgage loan had been paid in full, purportedly one check had been sent, but to the wrong address, and a second check was now apparently floating in space. So I told the manager I wanted the escrow account balance, approximately {$4700.00}, sent to me via overnight mail to arrive no later than XX/XX/19, and if I did not receive it by then, I would be filing a complaint. It is now XX/XX/19, and I have not yet received my escrow account balance from Suntrust Mortgage for a loan that was paid in full on XX/XX/19
|
| 06/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
Issue # 1 : In XXXX, I physically walked into the Suntrust Bank branch located at XXXX XXXX XXXX XXXX, XXXX, NC. I deposited {$1900.00}, prior to the cut off time, with a bank teller. On the following day, I checked my account and the funds were not available. I had to physically go back to the location, only to be told that the teller made a mistake and my funds were accidentally looked over. I spoke with a manager and was given a temporary memo credit until the issue was resolved. The teller who conducted the transaction admitted that the mishap was her fault. Issue # 2 : On XX/XX/2017, I deposited {$800.00} ( 40 XXXX dollar bills ) into the ATM at the Suntrust Bank location on XXXX XXXX XXXX, XXXX, NC. The ATM gave back 10 of those XXXX dollar bill and read an error message that suggested that I contact my financial institution. A receipt was not given. Currently, there is a temporary credit of {$600.00} showing in my account and I am being told that the case will be resolved in 10 business days. Several customer service representatives with Suntrust Bank have relayed to me that there is a {$75.00} fee for changing payroll dates after it has been processed, even if it is a paper check. I would like documentation showing that this is the bank 's policy. As a XXXX XXXX XXXX, I am concerned about how this corporation operates when it comes to deposits and payroll transactions. As a customer, it is inconvenient for me to have to worry with whether or not my money is being handled in a manner that is ethical. Thank you.
|
| 09/29/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX I became aware that a recently terminated office manager who had been employed by my company, XXXX XXXX XXXX : XXXX for approximately 1 yr had fraudulently used my debit card for a {$99.00} purchase. This person also forged a payroll check for {$2200.00} ( see XXXX ) This person also generated a fraudulent check ( see XXXX ) from a customer for deposit into our business account in the hopes of ( a ) getting paid a commission on said check or ( b ) intentionally over drafting my account, which it did. On XXXX I reported these fraudulent transactions to XXXX XXXX, Suntrust Branch Manager at XXXX XXXX XXXX XXXX XXXX. XXXX Fl XXXX PH XXXX Fax XXXX because XXXX of the items had not cleared she suggested I check back in a few days. On XXXX I filed a police report with the XXXX Police Dept. ( see XXXX ) I then presented same report to XXXX XXXX a banker at the same Suntrust location to be forwarded along with check information to Suntrust 's security office. Both XXXX XXXX and XXXX XXXX were very helpful in retrieving images of the checks in question and assisting me in gathering documents. As of this date I have had no contact from Suntrust security or any other Suntrust representative regarding this identity theft and fraudulent checks in question. Suntrust did cancel my debit card, and issued credit of {$99.00} for the fraudulent use of my debit card but at this time my account still remains overdrawn due to the illegal checks being processed which is preventing me from doing future business through said account.
|
| 06/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I attempted to access my account online and was notified by the online portal that my account had restricted access and that I had to call their help number. This first occurred on XXXX XXXX, 2017 which was a sunday. The number I called notified me that their helpdesk was closed. So, I called again on Monday XXXX, 2017, the date I am making this complaint. After speaking to the first person, they told me I had to go to a SunTrust bank branch in order to prove my identity and have my account unlocked. This is not possible because I live in Colorado and they do not have branches west of the Mississippi. So, that person told me to call the branch in which I opened my account. Which was the XXXX, FL branch. After speaking to the fraud and support specialist there, they informed me that they can not do anything with my account unless I go in to the branch in person. They then directed me to speak to SunTrust 's fraud department over the phone. After speaking to multiple people in this department who all gave me the same " you have to go to a branch '' they finally escalated the call to a supervisor who then gave me the same " you have to go to a branch '' response.
So, I am stuck here unable to access my accounts with SunTrust because they are, for some reason, requiring me to go in to a branch to verify my account. Over the phone I verified my name, address, account number, social security number, etc and they still said that I have to go into the branch. As you can tell, this is an absurd request on their part.
|
| 09/15/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX I made a cash deposit before I purchased a rental car due to mine being flooded from Hurricane Irma. That deposit has disappeared and left me with a negative balance that I worked hard to avoid. I receive overdraft and returned item fees regularly from SunTrust and am trying to avoid more. I have been unable to make any purchases including lunch and my XXXX XXXX was declined payment due to this. I deposited {$300.00} to a teller at a branch in XXXX, SC and now I have a negative balance. I am going to incur an additional fee from XXXX XXXX. Due to the transaction not being paid on time when they tried to run it. I contacted SunTrust XX/XX/XXXX and they said they are having an issue with deposits and that there is nothing they could do. I ask that they reactivate my overdraft and guarantee that all transactions will be authorized ( I am told I have reached my limit ) or return any recently imposed overdraft or NSF fees which SunTrust refuses to do. SunTrust has left me with a negative balance and the only thing they can tell me is we are sorry and working to resolve it. I have no money available and no temporary authorizations are available.
Whenever I am in trouble with the bank I never receive any sympathy and am given significant fees without any offer of forgiveness but I am expected to forgive them for having a banking issue. Transactions are reordered so that items are returned and fees imposed. In this situation I worked hard to avoid a negative balance and am still given a negative balance.
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| 08/15/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/XXXXin a SunTrust Bank branch in Georgia an individual with a checking account one digit different than my own made an over-the-counter withdrawal via a hand-written withdrawal slip. When I was finally aware of the error -- {$1000.00} taken from my account and not the account of the individual making the withdrawal -- I called SunTrust. This was after a number of payments had been returned and fees assessed on my account. Initially, the customer service representative said there was no error. It did not take him very long to correct his statement, dismissing himself for a bit, coming back and saying this was all the result of an error made AT SunTrust. The issue was not then resolves, but remained. Yesterday morning I went into my Local branch and thought we were on the road to resolution. Last night, YET ANOTHER FEE was assessed for a returned payment, as the correction, apparently, had yet to settle into the account. At this point, in addition to the MANY fees placed on my account by SunTrust, I am additionally being assessed charges by the companies I have made payments to and now others I could not make payments to because of the ongoing issues. In 2017, THIS is more than a bit pathetic. It is astounding to me there are no checks and balances in place to ensure this does not happen. I am now beyond frustrated, have gotten nothing done today as I attempt to get the issue completely resolved. I have had to cancel appointments, am behind with customers, etc. I have begun making contacts with attorneys.
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| 01/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem accessing account
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Web |
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I opened a checking account at Suntrust Bank with my mom on XX/XX/XXXX because my sister was stealing my mom XXXX with the other account she had opened with my sister. I tried to access the account online on XX/XX/XXXX and both accounts were listed. That is not a problem because XXXX XXXX at the branch where we opened the account said we needed to do that because my mom 's ssi check was going to be deposited on the XXXX and we would not have time for then to make that change. So, I agreed. On the afternoon of XX/XX/XXXX, I tried to access the account again. This time only the old account showed up. I tried several times and same thing. I call customer service and they indicated that the account was being terminated with no other explanation except I would get a letter and they would mail the funds to my mom. I asked to talk with someone from the fraud department and they said I could not talk with them which is XXXX!!!!!! I ask again and she told me to talk with a branch which again is XXXX. how are they going to know.
my sister steals thousands of dollars from my mom with no fraud and im trying to take care of my mom and im trying to do the right thing and they freeze her account. I am beyond XXXX right now. the account had {$2100.00}. I get no phone call, not questioned when opening the account, nothing. I have read this happening to other people as well, but when it really does happen example my sister they do n't do XXXX. I want you to know this is the nice version my wife would n't let me send the other.
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| 10/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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My name is XXXX XXXX XXXX, I reside at XXXX XXXX XXXX in XXXX North Carolina. Suntrust Mortgage inc. has directed me to the substitute trustee over a {$980000.00} loan from XXXX. XXXX XXXX XXXX XXXX and that is when I discovered they can not be the trustee and the XXXX of Suntrust Mortgage XXXX XXXX signed naming XXXX XXXX as substitute trustee but it wasnt done correctly. XXXX XXXX acted as XXXX XXXX notary on the same day. XXXX XXXX did not possess the required signing authority to sign mortgage operations documents on XXXX XXXX, XXXX. Someone put a sticky note over the Exhibit to coverup the part that states the purpose of the exhibit then made a copy of it to remove this requirement. This page was then recorded at the clerk of court office along with the outdated and expired faulty appendix A. How can Suntrust Mortgage use a outdated mortgage delegation signing authority document that expired over 3 months before XXXX XXXX even named the substitute trustee to foreclose? I have requested this proceeding be dismissed since the substitute trustee was not correctly nominated by XXXX XXXX, but they keep telling me to call the substitute trustee who is a nice enough guy but hes was not correctly substituted. Please also look into how XXXX XXXX was able to verify and notarize a document that was 3 months out of date. Please notify me in writing once this proceeding has been dismissed since the signing XXXX of the corporation was not in possession of signing authority when he nominated XXXX XXXX of XXXX. XXXX XXXX
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| 09/21/2017 |
Yes |
- Mortgage
- Other type of mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The original member of Suntrust bank, XXXX XXXX, retired and in her place XXXX XXXX XXXX took over her assignments. He was unprofessional. Upon his first contact, he called on a Saturday to introduce himself. He proceeded by assuming that what I needed was down payment assistance when in reality I needed financing. When I stepped in to correct him the stated for me to let him " finish '' and that the call was simply a " courtesy call '' as he did not work weekends. I was unable to give him much more information since he appeared not to care.
Given the horrible call, I still held faith in Suntrust to move forward with my financing. I had received conflicting information between the lender and the county and asked for his help, which he did not provide. He never pre-approved me even when I had sent him all of my documents. He insisted that I send him a copy of my social security card via an unsecured email server, he would not move forward after multiple emails granting him authorization to proceed and run my credit given that there is still funding in the program. The last straw was that he asked me to call the county and see if there was funding.
He was literally going in circles and stringing me along. Given that this program is for people who do not make a lot of money and do not have any other previous homes, he took advantage of me and my situation. This is unacceptable and now I do not have a financing and I lost my chance at owning the property I liked because this was going for more than a month!
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| 11/10/2016 |
Yes |
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- Closing/Cancelling account
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Web |
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A SunTrust credit card was opened in my business name. I do not have records of me opening the card, I have never used the card, I did n't even know I had the card. SunTrust shut my card down ( I moved and did not receive the statements ) and reported it, now they are saying I owe almost {$300.00} and they have reported it and now my score is affected. I started calling in XX/XX/XXXX after I moved to try and cancel my account, that was when I was informed that there was an overdraft that I would have to pay to close the account - which I did. Then all of a sudden I receive this bill for almost {$300.00} and they said they have reported me and have tried calling - I live on the XXXX XXXX now, I never had any messages from SunTrust. The missed calls I had were all either when I was sleeping and working - and again, they never left a message. They have lost records of me calling and trying to fix this - since XX/XX/XXXX - and the last conversation I had - this morning starting at XXXX am and spanning multiple calls, including XXXX for over an hour and a half - resulted in NOTHING happening. They have not helped me resolve this in any way. I should not be paying for a card I had no knowledge of and never used - in money or on my credit score. Their customer service has been horrendous in handling this, with their reps arguing with me and withholding information. I did n't even know the credit card existed until XXXX this morning when FINALLY someone at a branch in FL told me. This has been a complete nightmare.
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| 10/25/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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I received my XXXX return tax check from IRS on the the XXXX of XXXX I went to the Bank on XX/XX/XXXX I deposited check amount of {$7100.00} I was being told by the supervisor that some of the funds will be clear on the account the next day and they will put a hold on the Remaining, the next day I find out they place a hold on the account and I was not able to use my card, I went to the branch and I spoke the fraud department numerous times I provide them with everything they ask for they still holding my check the account was closed the same month in I never receive anything in the mail I contact the fraud I was being to call IRS so they can issue me another, when I contact them they send me a claim package I fill it out and mail back to them 4 weeks later When I contact them to get an update on the claim I was being told the claim was released for me to go back to the bank and have them give me my money because the bank cashed the check then i contact the fraud department a supervisor told me go to one of a Branch and provide them with any prove that stated the check was made out to me when, I went to the bank they told me they can not help me for me to contact fraud until they can release my money. Every time I called the fraud department a supervisor told me the funds can not be released to me and I need to contact IRS again. Please I need help I dont know what to do anymore its been 3 1/2 months since hold my money, I havent able to pay my Rent and my phone bill for the past 3 months. Please help.
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| 04/05/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
Older American |
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Greetings, I am having a problem with the SunTrust Bank in XXXX XXXX, Ga. The problem involves the branch at XXXX, XXXX. and the branch located on XXXX XXXX. I had a safety deposit box at the one on XXXX which I closed out XX/XX/XXXX due to my retirement and inability to travel on base. I returned the keys and transferred the box to the XXXX location. After this the bank at the base continued to bill me through XX/XX/XXXX for {$45.00} a month. My wife thought the bill was from the XXXX XXXX. branch and paid it for the last 3 years When I rented the box on XXXX XXXX, I also opened a savings account which they deducted the rent annually. When the amount in the account dropped below the rental amt., they deducted the balance and created a overdrawn situation. They, in turn, have charged me a penalty along with some type of interest charge for approximately {$50.00} and are currently saying I own {$110.00}. In calculating the penalty, they have pyramided the bill which is against the law.
I have closed out the box on XXXX but was told, I could not close the savings account because I still owed {$110.00} even though my wife has made three {$45.00} payments on the base box which I did not owe. They made the withdrawal and applied the penalty after the fact without notifying me and providing me a chance to pay the {$75.00} rent. How is overdrawing a savings account an acceptable procedure?
I want the {$110.00} balance removed and the overpayment for the three {$45.00} payments or {$22.00} refunded to me.
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| 02/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Suntrust statement that the note was sold to XXXX in XXXX - Maybe correct that Suntrust received payment for this mortgage note but the whereabout of the note is UNKNOW.
The statement that XXXX is an INVESTOR is false- Attached XXXX XXXX letter stating that they have a lien on the property because XXXX Bank is an investor and that the NOTE was assigned to XXXX in XXXX is false.
XXXX Bank America 's is only the trustee - for documents for an individual investor.
They are not the owner of the NOTE.
XXXX assigned the note to XXXX XXXX in XXXX and conveyed the interest under the mortgage to a four years prior closed trust and already bankrupt since XXXX XXXX XXXX.
Suntrust is NOT a note holder, XXXX is NOT a Note Holder and XXXX Bank is only the Trustee - which would not have documents for an already bankrupt investor.
The Original Note is requested for viewing and the exact location is requested.
SunTrust can not service a mortgage on behalf of a bankrupt investor.
XXXX also NOT an investor or a NOTE holder can not have a lien on a property.
And XXXX Bank Americas Trust ( which only holds documents in trust for the investor ) is NOT entitled to collect on behalf of a bankrupt investor.
Who is the owner of this mortgage remains the question. Attached XXXX assignment to XXXX in XXXX ( not XXXX ) and to XXXX XXXX NOT XXXX XXXX as stated by XXXX. A bankrupt trust can not originate a loan. A mortgage and note can not be conveyed 4 years after the trust closed, especially not to bankrupt trust.
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| 12/02/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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On XX/XX/2019 I spoke to XXXX XXXX about an SBA Loan or LOC and to start sending all the application process. He told me he would talk to XXXX XXXX an SBA Officer in charge of the application process. I would have to speak to her about the process and anything needed.
On XX/XX/XXXX at XXXX XXXX, we had the phone call and discussed everything about the application. They were asking things that should not even be asked for any loan.i submitted all the documentation ASAP for them to review, then did it again, for extra documentation, without any excuse for doing this. I just had the impression of they asking a lot for me not to apply for the loan. Then the underwriting department ruled me out, and they do not even have a way of saying why not since I have everything in order. They ruled me out using standards used for regular loans instead of SBA loans which is money to help Small Businesses like mine, but it is used only for millionaires, people with money or I do not know what is the base standard, but to discriminatory. Since I'm XXXX and the business is located in a poor community. Nothing else they are actually looking for.
The discriminatory policies on this bank and the way they used federal back loan money are being used not how is intended to be done. I have tried to talk even to the CEO and the executives alert them about this and it is impossible to do.
Please check this out and let me know.
They make me lose money and time, just to have me denied due to their discriminatory policies.
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| 04/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX DOB : XX/XX/XXXX XXXX XXXX DOB : XX/XX/XXXX SunTrust Mortgage Bank Loan number : XXXX Tracking number : XXXX Case Number : XXXX XXXX Homeowners Insurance Policy Number : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Wind Policy Number : XXXX XXXX XXXX XXXXXXXX or XXXX XXXX XXXX XXXX XXXX Claim Number : XXXX Issue : Scheduling a 50 % Inspection the lease on my rental house expires on XX/XX/XXXX. I was evacuated from hurricane Florence. My house had over {$350000.00} of damage and is currently not inhabitable. My immediate need is to have an inspection to collect insurance monies for work completed so my contractor will continue to rebuild my house. I have no place to live after XX/XX/XXXX so timing is critical. I discussed this issue several times with Suntrust with no understanding or effort on their part to correct this problem. I originally called for a 50 % inspection on XXXX/XXXX/XXXX. I followed up after 5 working days on XX/XX/XXXX. I called a third time on XX/XX/XXXX. I called a fourth time on XX/XX/XXXX and a fifth time on XX/XX/XXXX. I was told an inspector called me on Friday, but I have no records on my phone of any type of call. As of XX/XX/XXXX, no inspector has contacted me. This represents a time period of 18 days. SunTrust states that an inspector will contact me within 5 business days after I request an inspection. What is the issue? As of XX/XX/XXXX, no inspector has contacted me.
Regards, XXXX XXXX
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| 10/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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I received a check from my insurance company made payable to me and the mortgage company, SunTrust. SunTrust kept the check and has been making it extremely difficult to get the repairs done on my house. At the beginning they would not approve any of the contractors I hired. They finally released some of the funds when i submitted paid receipts. On XX/XX/2018, I submitted paid receipts for my deck in the amount of {$5800.00} and the door for {$440.00}. I sent in a letter requesting that I be repaid this amount. I have called in shortly thereafter requesting an update on the disbursement of funds and was told that I would have to get an exemption to be paid. I was told by Suntrust that I had to have an inspection before they would release the funds. I told them it was not ready for an inspection yet, that I was not asking for the release of all of the funds, but the funds for which I remitted paid receipts for. I have called nearly daily and keep getting the run around from them. As of today I was told that another exemption would have to be filed before the funds could be released which would take at least another 5 business days to approve and then IF approved then another 3-5 days to remit the check. I have not had the work done yet because I don't have {$5000.00} to cover the check I wrote the contractor for the repairs. He is holding the check until I receive the funds to cover it. They have constantly and consistently delayed the work being done on my house and I just want my house fixed.
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| 10/14/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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I have had a loan with Suntrust Bank for about XXXX tears at least. My principal never seems to go down. I have been watching it very closely for this year. I have another mortgage, and calculate correctly to within XXXX cents of principal and interest on each payment so I know its not me. But with Suntrust I am always off between $ XXXX {$30.00} per month. I have talked to them every month about this, and cant seem to get a straight answer. even when the branch does the math with me they come up with what I come up with, and the send in a ticket to have it fixed, but it never happens. Example. A payment was made XXXX XXXX, 2015, of {$300.00}, $ XXXXwas principal, {$200.00} interest. loan bal was {$29000.00} and rate is 7.840 apr. Next payment was made XXXX XXXX, 2015 for {$300.00}. their break down is {$110.00} principal and {$180.00} interest, bal is {$29.00}, XXXX. Next payment made is XXXX XXXX, 2015 of {$300.00}. this entire payment went to interest and balance due {$29.00}, XXXX. I do n't know how this could be? And they can not explain it. I make my payment early. over pay the payment amount. There are months that I pay in XXXX days and it seems that i get charged for XXXX days anyway. I dont know whats going on with them and I need help. They just do not make sense. I have XXXX loans with different rates, different balances, and when i do the per day cost, and add it up, i 'm on the money every time, but suntrust i am way off from what the come up with, and i never can get a reason.
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| 08/15/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
Older American |
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I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.
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| 09/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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On XX/XX/2019 i sold my home. My payments were being auto-deducted from my checking account with XXXX XXXX XXXX. Once the home was sold i called the XXXX customer service dept to stop my automatic payments, i was told not to worry about it that SunTrust Bank ( they held my mortgage ) would reject any future payments. In XX/XX/2019 i noticed that my monthly mortgage payment was still being made. I immediate called XXXX XXXX XXXX to get the payments stopped. After my conversation with the XXXX representative my payments were stopped. At this point i researched my payments and found out ( 7 ) payments had been made & only ( 5 ) have been credited back to my checking account. I then contacted Suntrust Mortgage ( what a nightmare they are ) After numersous, at least 4, calls to their customer service, i was told that they have returned all payments. I have repeatedly told them & emailed them proof from XXXX XXXX XXXX that they have only send back ( 5 ) not ( 7 ). They are blaming XXXX & the 3rd party vender XXXX, and state they have sent them back, however, they can offer me no proof of this, despite the fact that if have sent them proof from XXXX XXXX, that only ( 5 ) have been sent back, i have sent Suntrust copies of statements that XXXX has provided me, yet they still say its not them, its XXXX, but they wont produce checks are online proof they have refunded them. At this point they still owe me {$2500.00}, and they wont pay me. I dont know what else to do? I hope you can help. Thank you
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| 11/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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My complaint is with XXXX XXXX XXXX. They bought our loan 3+ years ago, and are servicing the mortgage. In XX/XX/XXXX, an Escrow adjustment was made, and an additional amount ( $ XXXX ) to escrow was needed. I made the XX/XX/XXXX payment ( {$2600.00} ) manually and electronically. The XX/XX/XXXX payment however, was short the additional amount of escrow ( my bank sent {$2500.00} ... the previous amount ). The funds were left " unapplied '' and kept by the mortgage company for a month ( until the next payment request ). The mortgage company did NOT send us notice of the delinquency until the next month ( XX/XX/XXXX ) payment notice.
I talked to the mortgage company and made an additional payment to the escrow account XX/XX/18 ( electronically ). I asked that they do not report the late [ payment, as they did not follow the protocols for applying payments. As I understand the protocol, a payment should be applied to the Principal and Interest first ( a fixed amount ), and then the Escrow fund ( a fluid amount ), unless notice is given that the payment will not be applied. My real estate attorney concurs. The mortgage company said that any payment that is not for the entire amount will be deemed unapplied, notice or not. The mortgage company ignored my request and declared the mortgage payment late to the credit bureaus.
This is unjust and unfair as it does not follow the terms and practices of the mortgage we bought, or the protocols of the Consumer Protection Act, as we understand them.
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| 10/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
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Web |
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On my previous mortgage with SunTrust which I refinanced to a new mortgage with SunTrust I had my sanitation taxes paid through my escrow. In my initial estimates of payments it was included to be escrowed but when it was time to close the loan it was left off. I made the inquire about why and I was instructed to just call in when I received the next bill and they would add it to the escrow payments. When the bill came in I call Suntrust Mortgage multiple time and spent hours on the phone attempting to get the bill paid. I was told multiple times that I would receive a call back from a supervisor and all the agent was able to do was put in a research request which takes around 3 weeks to complete. Finally I called and they paid the bill but it was late, I was assured that I would not be responsible for any late fees and it would be added to the escrow so I wouldnt have to go through the same battle in future years. I called today ( XXXX/XXXX/15 ) after receiving an escrow analysis, my sanitation tax was not added and they had me pay the late fee. I was told by agent ( XXXX, XXXX ) that there was nothing she could do, they paid the bill as a courtesy, I was responsible for the late fees and it would not be added for future payments. SunTrust mortgage customer service constantly says they will have a supervisor call you and they do not. I feel like I was lied to and deceived through the entire process. I would not recommend SunTrust to anyone as they do not appreciate loyal customers.
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| 08/15/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate.
Thanks for anything you can do to prevent this from recurring.
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| 01/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
Older American, Servicemember |
|
SunTrust Failure to properly close personal checking account resulting in bank fees {$630.00} 1. Started approx XX/XX/XXXX with unauthorized charges on my personal checking account ... I filed written statement of unauthorized debit with my branch and all funds were returned to my account.
2. These unauthorized charges continued until I closed the account on XX/XX/XXXX.
3. The Suntrust rep promised me that the account was closed, after I opened a new account with Suntrust ( on XX/XX/XXXX acc't had XXXX balance ).
4. More unauthorized charges continued on old account until someone at work recommended I go to another branch. The first thing the rep at the other SunTrust branch did was block the old account on XX/XX/XXXX.
5. On XX/XX/XXXX Suntrust debited my new account {$770.00} stating I owe the bank for fees from the closed account.
6. I contacted the Suntrust Client Advocacy Resolution Dept and after one month the full amount {$770.00} was returned to my new account. I thought this matter was finished.
7. On XX/XX/XXXX Suntrust debited my account for {$630.00} claimed these were fees not unauthorized charges ( Right to Offset ) On XX/XX/XXXX I returned to the Suntrust branch and spoke with branch manager and was told she would be back in touch. I never heard from she again.
8. I tried contacting the Suntrust Client Advocacy Resolution Dept again, but until today no one has returned my calls.
9. I am a military ret and need the money to finish the XXXX XXXX I had started.
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| 10/20/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
Four or five months ago I gave my wife {$10000.00} so she would have money in her own name. I searched for the best bank offer and found an offer from Suntrust bank in XXXX, FL. My wife and I went there and set up the account. We told the bank officer that we were there only because of the offer of a {$250.00} bonus for large amounts that were left on deposit for at least three months. The account was set up in my and my wife 's names. The bonus was never posted to the account. Last week we went to the bank and talked to a different bank officer. He said the original bank officer was no longer with the bank. He checked the account and said that we were denied the bonus because we had not set up direct deposit to the account. I informed him that we had n't signed up for a direct deposit offer, that since my wife has no regular income that would n't make sense. In fact the original bank officer looked through the offers and rejected that one because of the direct deposit requirement, the offer she signed us up for had no such requirement. The bank officer we were dealing with on the later visit asked for proof of the offer that we were stating we had been given. We had not kept proof, we assumed that the original bank officer was capable of giving us an offer that we qualified for and that the bank was capable of tracking their bonus offers. Those assumptions proved to be false. After much delay we were told that the bank would not honor the offer. We promptly withdrew the money.
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| 01/23/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have filed several dispute regarding merchants in the past and each time this institution refuses to credit my account pending an investigation and the disputes are denied in the end. The same person investigates the complaint and request information that is impossible to obtain. The most recent dispute was regarding a local XXXX XXXX that served under cooked hamburgers. I followed the direction on the receipt and called the number on the receipt on XXXX XXXX ( XXXX ) -XXXX. I left a voicemail. I called again on XXXX XXXX and XXXX was told someone would be contacting me so I would receive a refund. When I was not called, I called back two times for a total of three. When I did not receive a refund I filed a dispute XXXX XXXX. SunTrust sent an affidavit on XXXX XXXX I signed and returned it. When I did not receive a credit I called and found the same person XXXX requesting additional information. I sent the additional information which was question did I return the food and what date did I return it. I feel it XXXX would have called the merchant investigating and read the dispute I filed it would know I did not return the food. SunTrust is a difficult bank for me to file a dispute as I do not feel it follows the rules for disputes. The rules for its disputes are not published nor provided at the time of filing a dispute. A consumer like me is left in the dark depending a perhaps biased investigator. I feel that this investigator is not and has not worked in my best interest.
|
| 08/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Unfair business practices should not continue upon hard working US citizens.
In my case, and I am sure MIllions of others, has experienced this type of travesty from banks of excessive overdraft fees in one day.
My question is ; how is it determined what transactions are posted first and the amounts?
As well as how transactions are posted is determined, I should not get a fee as a result, as this is again, OUT OF MY CONTROL?
All least transactions should be posted within the available balance and overdraft fees assessed there after on items over {$100.00}.
As a small business owner and single mother, I can not afford the avalanche of overdraft fees that caused major destruction on my account that has caused me to be delayed in paying my mortgage and condo fees.
This is a travesty and should not happen to any one else, for example ; a {$38.00} fee for {$2.00} cent charge.
Due to my long outstanding loyalty and relationship with Suntrust Bank ; I deserve to have all overdraft fees waived as Im not in control on how the banks process payments and when the merchants collect their money and according to my records at various times between the XXXX-XXXX there were credits to my account that would have covered the posted charges.
I should not be charged with these excessive fees of over {$400.00} due to posted debits and credits timeframes out of my control.
As a loyal client the bank should make sure my account is protected, and if charges are to be assessed they should be minimal.
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| 07/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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I managed a Trust Account through SunTrust Bank ; the Trust Account was established in XXXX XXXX. XX/XX/XXXX, the account was compromised when a check was intercepted and the original payee changed. I reported the fraud to the bank and XXXX XXXX XXXX, Personal Banker, was very helpful throughout the process. I requested that the old account be closed and a new account opened on XXXX XXXX, XXXX to avoid any future fraudulent activity.
I submitted the same documents when I opened the original account to the Trust Department for review. Upon reviewing the document, they requested proof that the Will has been probated. I submitted the final document I received from the Orphans ' Court for XXXX XXXX County, Maryland. This document was also rejected -- now perplexed, I called the attorney whom probated the Will and was instructed to submit the original Letter of Administration from the State of Maryland and was further instructed to inform the bank that probate in the State of Maryland is not settled under seal, therefore, no court seal exits for the final accounting of the estate. I submitted same to the bank on XXXX XXXX, XXXX and got the manager of the branch involved in the matter. I received a called from XXXX XXXX this afternoon notifying me that the Trust Department rejected the information presented and that they are closing the new account and transferring the funds back to the original account where the fraudulent activity occurred. They refuse to speak with my attorney.
|
| 05/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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I recently opened an account with SunTrust Bank. On XX/XX/2019 I deposited two XXXX checks from the United States Treasury which were issued for XXXX. I verified with the Social Security Administration that the checks were genuine. On XX/XX/2019 i called the local SunTrust branch after viewing the mobile app and there was a fraction of the total deposit being held, but the rest showed available. I was dually informed the possibility of a hold was likely, but would be returned. I proceeded to make purchases during the day and when I tried to use my card just an hour later I found that my account was closed. I called the customer support and the lady was dumbfounded and bluntly told me she had absolutley no clue how or why it happened. I called the branch this morning and the manager informed me that the account was closed due to possible fraudulent checks and I was being sent the remaining amount in 7-14 business days. If there was an evaluation of the checks, they should have just locked the account until the answer was found. Furthermore, I shouldn't have access to the funds at ALL until the research was complete. Now I have to wait two weeks to get a check from SunTrust to get the money that the government gave me? In that time my phone will be shut off, I won't be able to provide for myself or family, everything I had was in that account. Something needs to be done about this. I've read news reports that this exact same thing has happened before SunTrust has corrected it.
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| 11/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
, On XXXX XXXX 2016, I went into the Suntrust XXXX XXXX XXXX XXXX Branch, I had received a large deposit that went in my account. I went in to the bank and agreed to pay the entire amounts that I owed Suntrust for a closed checking and savings account. The banker added the amounts and provided me a with-drawal slip for the total amount due, there were two cashier checks made out to the department to which I owed, I have copies. I see on XXXX XXXX 2016 Suntrust processed a draft out of my other account for the same amount that I paid one account on XXXX XXXX 2016. I was never contacted by any representative from Suntrust, had they contacted me I would have gladly told them I had already submitted payment 10 days prior through the banker at the Brank. I do not know what happened by someone did n't research it, I did n't mail the checks the banker handled that I have receipts that it was paid, the original amount clearly shows in my account that this money was in-fact deducted from my account on XXXX XXXX 2016. This is the 2nd time that Suntrust took funds with-out talking to me or even attempting to contact me, back in XXXX I received some funds, I had gone into the branch and spoken to the bankers. I was told my account would be noted that I would make payments on the owed money, two days later they took XXXX out my account leaving with XXXX to pay my bills or even live on, although I new I owed money I had been assured that only the amount I had agreed to would be deducted.
|
| 01/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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SunTrust violates Section XXXX of the Federal Trade Commission Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ) by engaging in unfair billing practices related to incoming wire transfers. SunTrust disclosures do not fully inform customers of the {$15.00} incoming wire transfer fee and marketing materials furnished to the consumer on account opening do not disclose the service fee.
On XXXX XXXX, 2016, SunTrust charged my checking account a {$15.00} service fee for a domestic, incoming wire transfer ( Fedwire ). The size of this service fee is excessive, causes substantial injury to consumers, is not outweighed by the benefit to consumers, and the consumer can not reasonably avoid the injury.
The consumer can not avoid injury because they are not made aware of the service fee ahead of time and SunTrust exercises complete discretion is setting the charge. Please see the bank 's email message to me ( attached ). SunTrust writes, " All service charges depend on banks [ sic ] discretion. '' Allowing SunTrust to impose charges based its " discretion '' is arbitrary and capricious and unfair to consumers - particularly when that discretion is not clearly communicated to consumers in marketing materials and annual disclosure statements. Additionally, such discretion increases the risk of disparate impact and illegal discrimination.
Please investigate SunTrust for violations of Section XXXX of the FTC Act as it relates to " discretionary '' service fees charged to checking accounts.
|
| 05/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
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Web |
|
|
In XXXX 2017 I request ed my mortgage provider, Suntrust Mortgage, begin drafting my savings account instead of my checking account from XXXX XXXX XXXX XXXX XXXX for my monthly home payment . Suntrust indic ated they had made the changes and the 1st draft from my savings would begin in XXXX . Suntrust then drafted my checking account as usual. I did not have the funds for the mortgage payment in my checking -- I had it in my savings account where they should have drafted from. This caused me to incur XXXX non-sufficient fund charges for {$30.00} each. I contacted Suntrust who assure d me they drafted my savings account and the problem w as with my bank. I contacted my bank who assured me Suntrust drafted my checking account like usual -- not my savings account as I had request and they assured me they would. My bank provided me a copy of the XXXX draft attempts and XXXX insufficient ACH fund charges on my checking account. I provided this informati on to Suntrust who reviewed the information and then concluded that they did indeed draft my savings account to the contrary of the proof from my bank that they drafted my checking. Through no fault of my own this big company insists they are right and has caused me a {$60.00} fee and it looks like I did n't pay my mortgage on time. Suntrust di d n't draft my savings or they would have gotten the mortgage payment funds. They are wrong and they wo n't admit it even with PROOF from my credit union.
|
| 07/13/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am in an active approved short sale on my home with Suntrust Mortgage. They are my XXXX lender, and are attempting to foreclose. They JUST approved the short sale XXXX/XXXX/15 -- as we have a BUYER, w/ earnest money and pending due diligence/inspection. In the SAME document, they stated that they may still go forward with a foreclosure. I can not understand why they would give us until XXXX/XXXX/15 to close on the sale of the home, yet still state that they are going to possibly foreclose. I want SUNTRUST to REMOVE ALL POSSIBILITY OF FORECLOSURE ( they attempted to foreclose XXXX/XXXX/15 and I had to go file a bankruptcy to prevent foreclosure ) and allow us to satisfy all parties : the seller, the buyer, the realtors and the bank. The realtors spent countless hours finding a real buyer with a family, NOT an investor to flip the home, I have endless stress due to the inability to be clear on their intentions. PLEASE LET US CLOSE AND MOVE ON. They will not even offer me CASH FOR KEYS so I and my family can move -- there are no funds to do that. They said they would refuse the short sale if we asked for any money from them for ANYTHING ELSE.
Give this new buyer a chance to have this home, let me exit with dignity from a cleaned home ready for the new buyer, allow a small amount of CASH FOR KEYS TO RELOCATE and the American dream will inevitably be reached by all parties.
Suntrust needs to be less greedy and more accommodating during this long awaited transaction.
|
| 10/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
On XX/XX/2018, I opened a checking and savings account with SunTrust bank and was approved. I began receiving emails with my account information and instructions to fund my account. I just started a new job and was awaiting my direct deposit to hit the account to fund it. Every day since then up until Sunday XX/XX/XXXX, I received multiple emails to fund my account. The requirements stated that we had up to a few weeks to fund the account. Then on Saturday, XX/XX/XXXX, I received in the mail 2 notices that both the checking and savings accounts were closed and if it wasn't my request, to contact SunTrust directly. I contacted the customer service line on Monday, XX/XX/XXXX and was told it was due to bank regulations regarding fraud that they closed my accounts. I later received in the mail, a debit card, a debit card pin and a separate letter stating my accounts were closed by the SunTrust XXXX XXXX XXXX. I was not given an explanation of what might have happened, because I have not committed any fraud. I did get married in XXXX and my name has changed, but it's disturbing to be linked to anything fraudulent when you have not committed fraud. I understand that banks have the right o close accounts at will, but why open the account from the beginning and then suspect fraud as opposed to contacting the customer to ensure they've entered the correct information. Sometimes typos can look fraudulent, but it's just a average customer wanting to bank with a specific brand.
|
| 12/01/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In Case Number number : XXXX, the CFPB has the authority to do the following when presented with clear and blatant facts of violations by SunTrust Mortgage. The CFPB was directed by the Office of Inspector General of the FHFA to investigate, but did nothing with the CFPB oversight authority.
" CFPB may bring administrative enforcement proceedings or civil actions in federal district court or state court. The Bureau can obtain 'any appropriate legal or equitable relief with respect to a violation of [ f ] ederal consumer financial law, '' including, but not limited to the following : Rescission or reformation of contracts Refund of money or return of real property Restitution Disgorgement or compensation for unjust enrichment Payment of damages or other monetary relief Public notification regarding the violation Limits on the activities or functions of the person against whom the action is brought Civil monetary penalties ( which can go either to victims or to financial education ) It is also possible hat the CFPB will seek significant fines in its enforcement actions. The penalties that the Bureau may seek are also significant. The CFPB can seek to impose civil penalties of ( a ) up to {$5000.00} per day for the violation of a rule imposed by the Bureau, ( b ) up to {$25000.00} per day for the reckless violation of a federal consumer protection law, and ( c ) up to {>= $1,000,000} per day for a knowing violation of a federal consumer financial law or regulation.
|
| 03/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019 at approximately XXXX XXXX my husband, XXXX XXXX, and I were having lunch. He was checking his banking at XXXX XXXX and saw a pending withdrawal for {$1200.00} for Suntrust Bank. We thought we had missed a mortgage payment and added money from savings to checking to cover our $ 2093 monthly mortgage. I remembered that I had received an email on XX/XX/2019 ( approximate date ) saying they had received our mortgage payment and applied it. We were two hours from home. I attempted to call Suntrust over FIVE TIMES ... with wait times equaling over two hours ... I was shifted from department to department when I finally got a human on the phone. No one could find the XXXX that is attempting to be taken out of our checking account..and then the additional funds we transferred from savings to checking was being grabbed by Suntrust also. As soon as we got near home we went to XXXX XXXX to stop payment on the {$2000.00} total. We were told because it was so late in the afternoon they weren't sure they could stop payment.
Suntrust ... as far as we can tell ... .insists they aren't taking money out. We have never authorized payments to come out of our accounts and use the bill pay feature when we have a mortgage payment due. Suntrust is an out of town bank preying on the elderly by not having decent phone service and no answers to important questions. I want them to sell our mortgage to someone with reputable service and centers we can go to with questions.
|
| 08/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
The mortgage company made a payment to the town for past due taxes. Unknown to me that this was done until after the fact. They have now increased the mortgage to a payment beyond a reasonable amount. I applied for a loan modification and the payment is still not reasonable. I was approved by XXXX XXXX for a non interest loan to pay the past due taxes. My representative has attempted to obtain a statement from the mortgage company to state what was paid on the past due amount so that we can reimburse the mortgage company. I have also attempted to get this from the mortgage company and after daily calls since XX/XX/XXXX, the mortgage company states they can't provide a statement showing what they paid for past due. They have stated their records only go back to XX/XX/2019 when the payment was made XX/XX/XXXX.
I have spoken with supervisors in the mortgage department, customer service, Tax department and the escrow department. Have had no resolution to obtain a document.
If this is not addressed immediately, I may loose the state loan and will also be put in a position of foreclosure on my residence. I am making my standard mortgage payment and the mortgage company is refusing to apply it to my mortgage amount.
Phone calls are XX/XX/19, XX/XX/19,XX/XX/19, XX/XX/19, XX/XX/19 ( 2 hours on phone ), these are the calls I have documented which are not all calls made to the mortgage company. The state also made several calls to the company. Suntrust Mortgage, XXXX
|
| 07/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Suntrust Bank I opened my account in XX/XX/2018 and did not consent to Overdraft coverage. Bank automatically enrolled me even though I did not mail in a signed overdraft coverage consent letter.
They charged me 6 overdraft fees of XXXX $ charge each on XX/XX/XXXX. I called the customer service to request a refund and told them what they did is ILLEGAL. They told I have to call the manager and ask them to prove I don't have a signed document. They refunded me 2 fees for courtesy when this was a bank error in the first place. During this process, they treated me poorly because my account was overdrawn and made me chase them all day to resolve the issue. They did nothing on their end to fix the issue and reach out to the bank manager.
Then I called the manager and managed to get refund for 4 remaining overdraft fees.
A month later, Suntrust charged me 8 overdraft fees between dates XX/XX/XXXX and XX/XX/XXXX. I was charged 3 duplicate overdraft fees and 1 extended overdraft fee for XXXX transactions which were supposed to be declined in the first place. I want these fees to be refunded but the bank says they can't help because I already received refund for 6 overdraft fees a month ago. I told them those fees were bank error and not courtesy refunds.
I was told if my bank account has no money, transaction would simply be declined. Only bill pay and paper checks can overdraft balance.
I have {$280.00} overdraft charge in my account currently. Please help.
|
| 08/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
|
|
I was out of the country and booked a reservation through a travel agency named XXXX. The actual hotel name was XXXX XXXX. THE reservation was the same day I arrived. The reservation was made at XXXX in the afternoon. I entered my personal info name address and bank card info. I then thought the reservation was final .XXXX then sent me a email about 20 minutes later stating that they needed a photo picture of the front and back of my debit card and license to verify my information for there fraud department. The email also stated that if I had n't provided the information within 12 hours my reservation would be cancelled. I bank with suntrust and have recently had several fraud charges on my account including someome using my banking routing and account number to open a whole account with my information. I THEN called XXXX XXXX for more information before sending them my info. I called several times and was told to leave a message and never received a call back. About three hours later I then decided to make a reservation with the actual hotel to be safe then sorry. I also asked XXXX first to confirm that did not have the other reservation. I then made the reservation with the actual hotel for $ XXXX.Around XXXX XXXX that same day after I was checked in my room. XXXX XXXX charged my card for {$490.00}. I never received a call back from XXXX XXXX and I never sent them the information they asked for. I disputed the charge with my bank and they denied the claim.
|
| 05/15/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
|
|
I applied for a HELOC with SunTrust bank. After vetting, they told me the basic approval terms and rates I was approved for with the HELOC. They asked me to show up to close and sign which takes " about ten minutes. '' I asked that they email me the loan documents so I could review the terms of the HELOC in detail before signing. They refused to send me the loan documents even a few hours ahead of closing. Instead, their policy is that you are supposed to sign the loan documents without seeing them ahead of time, but they verbally promise you that you can back out within 3 days of signature. They were expecting me to " sign blind '' and then try to figure out what I had just signed.
The problems with this are at least 1 ) this gives me no opportunity to negotiate ahead of time if I find terms I don't like, 2 ) I have to just trust their verbal promise that I will be able to back out if I want, even though I have definitely signed something, 3 ) Even three days after is too short a time for most contract attorneys I might ask to review it for me, meanwhile the clock is ticking and I have already signed it, 4 ) I am given lower interest rates if I take out certain amounts of money AT CLOSING, i.e. I get lower rates if I sign blind and take out money immediately without having an attorney review, etc.
This practice seems unethical, highly likely to " trap '' people that don't understand the terms, and I don't understand if it is legal, or why it would be.
|
| 05/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I already submitted a complaint for discriminative closing of account without notice.
From a deposit caused by my employer request : XXXX XXXX XXXX, of {$4900.00} issued by XXXXXXXX XXXX XXXX XXXX or XXXX, the check from bank statement returned unpaid because of counterfeit!!!! bank Suntrust applied a {$36.00} returned item fees + {$3.00} ATM balance request fee for a total of {$39.00} making mt account with overdraft fee - {$39.00} due to bank suntrust making the account closing! I submitted supportive documents on this website and the bank calls me acknowledging of making a decision about it ; but nothing else changed, I receive a letter of statement saying that no item were returned 0 item returned after 1 item deposit? but balance stays {$0.00} I did make a check of {$4800.00} to pay a merchant from that account, the {$100.00} balance should be my start up bonus from : XXXX XXXXXXXX XXXX! But the bank suntrust without clear explanation of what happened : why stating a returned item unpaid, than counterfeit, sending a legal copy stamped counterfeit?????
why applying a return fee of {$36.00} and close the client account without notice?
why stil clsed claiming that no item was returned, maintaining the account at the opening balance of {$0.00}, because this account was oened to make future deposits not immediate funding deposit???? why?? and moreover no apology written to shows their discomfort toward this succession of mistakes from their employees?
|
| 12/30/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Charged too much interest
|
|
Web |
|
|
I have a Suntrust Credit Card that offered zero-interest balance transfer for a one-time fee. I took advantage of that for an approximate total of {$7300.00} in balance transfers over the course of 8 months. There is a minimum payment due on the transfer balance of approximately $ XXXX $ XXXX but no interest is charged until the expiration date of the offer ( XX/XX/2020 in my case ). Since obtaining the zero-interest balance transfers, I have only made two retail purchases amounting to approximately {$350.00} dollars. I was told by the banking rep that I could pay over the minimum monthly amount to cover those purchases and there would be no interest on those charges ( 16 % otherwise ). However, I have now been told by another rep that I can never pay off those purchases resulting in perpetual interest on those purchases until I pay off the entire balance of {$7500.00}. In other words, the bank is forcing me to pay interest on that {$350.00} despite my request to pay it off because there is still a XXXX interest balance transfer balance. I have now been told that if any portion of your credit card balance is XXXX interest, you can not pay off retail purchases that have 16 % interest. This apparently is in the fine print but was the opposite of what the original Suntrust rep conveyed to me. The Suntrust rep I last dealt with responded simply by saying that is the policy and the original rep ( upon which I relied ) was wrong. Nothing they can do about it.
|
| 01/18/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
At XXXX, on the date of XXXX/XXXX/2016, My wife, made a deposit to our business account through an ATM at Suntrust Bank in XXXX XXXX Florida. ATM ID XXXX. After depositing the checks into the ATM and submitting the deposit, she was returned an error receipt stating that we should contact customer service. Important to note that the checks entered into the ATM were not returned and were held inside the ATM. At the moment I was informed that night, I made a call to the support center and was assured that the deposit would be in the account the following day. I went about making regular purchases for my business and was greeted by a horde of overdraft charges. The money never was deposited into the account. After calling many representatives, I was granted a temporary provisional credit of the money deposited and the fees were waved. After three months, my provisional credit was removed, unannounced, and the account fell back into a negative balance. Support claims ATM was audited and checks were not located. Also stated that the ATM adjusters were internal and I am not allowed to speak to them, if I have an issue with their judgement, to appeal. I am certain that this information is not true and correct. I doubt the institution even bothered to check. ATM has a camera and would have seen my wife making the deposit in her vehicle at that time. I am refusing to pay any fees or the value of missing funds to to Suntrust 's negligence and poor customer care.
|
| 04/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I am POA for finance for a friend in Florida, whose husband passed away in XX/XX/XXXX. I live in Ohio and am trying to gain access to SunTrust accounts into which my friends ' pension distributions have been deposited. My friend is sole beneficiary of her husband 's estate. My friend has XXXX and has been declared incompetent to handle her own affairs. My name is currently not on those accounts. The bank requested and received all documentation in XX/XX/XXXX that verify that I am POA, but the bank maintains that I must make transactions in person. At one point, a customer service person told me that I could add my name to the account ( and thereafter make transactions ) by sending hard copies of POA and other verification documents to a XXXX, VA post office box address. I did that, but have again been denied access to the accounts, despite verification that the documents had been received in XXXX. I have spoken to both the branch manager in XXXX, FL and various customer service reps over the last few months, and the executor of the will ( at another bank ) has also attempted to facilitate this. An elder care attorney assures me that the bank can not deny me access to the funds and can not insist that I only transact business in person. My friend 's living and medical expenses are piling up and accruing interest because of this delay. SunTrust claims that the " in-person '' policy is in place because they are using XXXX XXXX 's policies as an example.
|
| 03/14/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016 my daughter XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within XXXX minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released my daughter XXXX XXXX has received a closing letter from Suntrust Bank and in that letter it states that all monies left in the bank account would be sent in th form of a paper check to the address on her account but now that is not the case so after weighing many options and getting anywhere I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
|
| 07/27/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Hello, On XXXX XXXX, XXXX XXXX sent XXXX refunds to my closed SunTrust acct. ( Amounts and reference IDs are as follows : {$260.00} Ref ID # XXXX and {$66.00} Ref ID # XXXX. ) SunTrust supposedly issued a check, or checks, in the amount of the total refund and mailed it to my old address. I never rec 'd a check. I have requested the check be cancelled and a new check mailed -or- the money be deposited into my new SunTrust acct ( preferably ).
I have spent countless hours, receiving different information from both employees and Sups as to what happened or what needs to happen in order to receive the funds that are rightfully mine. The last time I spoke to SunTrust was today, XXXX/XXXX/15 and was told by a Sup that I needed to sign an Indemnity Form before the funds could be released to me. However, I was told a few wks ago by a diff Sup that I, as well as XXXX, need to have notarized signatures on this form. XXXX can not or will not participate in SunTrust 's request for a notarized signature. They have already done their part by issuing the refund. Also, the Indemnity Form basically states that if for any reason SunTrust decides not to reissue the money, they can not be held liable for compensation, including any legal fees I, as the consumer, may incur in trying to recover the funds. The fact of the matter is SunTrust bank has and has had the funds for over a month and a half now and refuses to release them to me. Please help.
Sincerely, XXXX
|
| 04/20/2017 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
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I was using XXXX for the first time to secure an apartment for a family vacation to XXXX . I found a great-looking apartment and emailed with the " owner '' through the XXXX website. I asked a lot of questions and she answered them -- lots of back and forth emails re : neighborhood, smoking/nonsmoking, pets, etc. She requested that I send the full balance for the apartment via wire transfer to secure the apartment for the selected dates. Because I had never used XXXX before, I did n't know that this was n't the normal protocol. I received a formal confirmation email from " XXXX '' that looked totally legitimate -- logo, confirmation number, etc. I wired the money -- including a security deposit that I was told I 'd get back if everything was in good shape when I departed. The total was {$1400.00}. The week before my trip, I emailed the " owner '' requesting the address and inquiring how to get the key. When I sent off this email, I realized that I must have been duped. I contacted XXXX . They told me to contact my bank. My bank required me to go in in person and then told me that there was nothing they could do for me -- that I should contact local police. I have NO idea what m y local county po lice could do about international wire transfer fraud, so I am submitting this complaint/claim through CFPB in hopes that there is some recourse that I can pursue with the bank to which I made the wire transfer. Thank you for your assistance.
|
| 10/12/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Struggling to pay your loan
|
|
Web |
|
|
Full documents related to the loan have not been disclosed. LightStream attempts to penalize consumers based on policies that do not have full legal documentation.
I reached out to the LightStream on three different occasions to adjust my auto-payment date from the XXXX to XXXX. In order to make this change, LightStream would increase the interest rate of the loan by 50 basis points. I pulled the loan agreement and it specifies the following : " If you fail to pay or maintain payments via the Automated Payment Option, you agree that the failure will immediately result in a permanent XXXX percentage point increase in the annual interest rate in effect on your loan. " My request was not to cancel the Auto Pay option but maintain an AutoPay option with a different date.
The loan agreement also includes the following language : " Payments ( comprised of principal and interest ) ( 1 ) will be payable monthly, in an amount of {$250.00}, and ( 2 ) will be due on the same day each month ( the " Payment Date '' ), such day being the one you designate upon electronically signing this Agreement. '' A payment date is not designated in the agreement. Additional documents on the online portal only include a credit score disclosure. I requested documentation of this designation and LightStream was only able to provide a generated email which states that my payment will be on the XXXX. No documentation of the designated payment date was able to be provided.
|
| 03/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a suntrust bank account a year ago. However upon getting a check and placing it in my account my account was locked and I was notified by the bank it was because I had place more money in my account then normal and they had to check for suspicious activity. I had no problem with that .i would say about a week or so later I got mail stating that my account was closed due to this and that they were going to reissue my funds. I got that specific check mailed back to me and I was told that I could cash it at another place .i took that check to be cashed at XXXX .where I waited for about a hour for the young lady to tell me that she could n't cash it and no one else would be able to go back to suntrust to cash the check. I was never able to cash it and I 'm frustration I just gave up .fast forward to now I wanted to open a bank account with XXXX XXXX XXXX . I was approved and told I was going to get my card in the mail .before I even got my card I got a letter stating my account was closed .when I called to inquire why it was closed so abruptly without me using it I was told that it was due p fraudulent checks which I was bewildered about because I never had placed any funds into this account and I never obtained a XXXX XXXX XXXX account . I then tried with XXXX XXXX with no avail but being told the same dilemma .while having a suntrust account o never was told of this and now I ca n't open up a account anywhere until the issue is resolved
|
| 10/15/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have been banking with SunTrust for over 30 years. My now XXXX husband and I opened an account for my son when he was a minor, with my husband and my name also on the account. My son is now XXXX years old and a college student at XXXX. My son 's student account was hacked and someone obtained his personal data. They used that data to make XXXX mobile deposits into my son 's account, then called his cell phone and told him they mistakenly deposited money into my son 's account and threatened to report him to the police if he did not wire the money to them immediately. My son panicked and went to the nearest SunTrust bank in XXXX, VA and withdrew {$3500.00}, and then went to an ATM to withdraw another {$1500.00}. He then wired the money to this person through XXXX XXXX. The mobile deposits were bogus and later were returned, leaving a negative {$5000.00} balance on my son 's SunTrust bank account. If SunTrust had followed basic security procedures, this fraud could have been prevented. If SunTrust had looked at the endorsements on the back of the bogus deposits, they would have seen that the endorsements did not match my son 's signature. Also, SunTrust should have never allowed my son to withdraw money from funds that had not cleared the bank yet. Since my name was still on my son 's account, SunTrust has demanded that I pay them the {$5000.00} back and have already taken {$1300.00} of that amount out of a Savings Account I had with them.
|
| 03/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I wrote the attached check for {$7500.00} from my XXXX XXXX account and deposited it to my SunTrust account. Of material fact, is that I have used the same accounts to electronically transfer to and from in the past since approximately XXXX without any returned checks issues from my XXXX XXXX XXXX account. The extended hold is until XXXX/XXXX/XXXX.
Notwithstanding, the above mentioned, although said check cleared my XXXX XXXX account on XXXX/XXXX/XXXX, an unreasonable extended hold was placed on my check at SunTrust. I called the call center for assistance on XXXX/XXXX/XXXX, however such was not fore coming. I was advised to visit a branch. Please note for the records that I am XXXX. ( my XXXX XXXX income goes to SunTrust via direct deposit so they could ascertain my claim of disability. ) and such advised the representative of the challenges I have to travel without extended planning. however, I was not offered an alternative option to resolve said.
I called back the same day of XXXX/XXXX/XXXX and spoke to XXXX management levels, including a XXXX XXXX XXXX, who denied my request to connect with the executive office for assistance. Of Material fact, I am very disappointed that SunTrust no longer has a direct contact information to its executive offices and am thus left at the mercy of the representatives to receive said.
Please see the attached and feel free to reach me if with additional questions if required. Please advise. Thank you
|
| 03/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/XXXX we obtained a 30-year mortgage from SunTrust Bank with a payment amount of {$1800.00} a month. A few months later we are sent a letter from SunTrust saying there is too much money in our escrow account and given a check of approximately {$6000.00}. In addition to the refund, they are dropping our monthly payment to {$1400.00} a month. In late XXXX of XXXX we receive notice that our escrow account has too little money in it, please send them close to {$7700.00} and our monthly payment is being upped to {$1800.00}. If we don't send them the {$7700.00} shortage, then our monthly payment will go up to {$2400.00}. That is a {$1000.00} increase in our monthly payment! The increase payment is to take effect in XXXX. We have had two months to prepare for an additional {$1000.00} in mortgage payment. There has to be something seriously wrong at SunTrust to make a mistake like this. We would like SunTrust to do whatever is necessary to fix our escrow account since the mistake is theirs. We should not be put in a position to lose our home because someone in their escrow department screwed up our account. I am attaching the letter we sent to SunTrust, the statement where they refunded the escrow money, and the escrow statement where they want the {$7700.00} back plus a higher monthly payment. We can accept going up to {$1800.00} in a monthly mortgage because that is what it was when we first obtained it. But, {$2400.00} is way too much.
|
| 08/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Suntrust bank created a situation where they forced an over draft coverage on an account that has no over draft coverage. I reminded the bank that there is no overdraft coverage on the account and that federal law prohibited over-drafting with out the consent of the customer. I have never given my consent for overdraft coverage, and was clear, that if I do not have available funds in the account, then decline the transaction for insufficient funds. Suntrust runs algorithms on the account to create overdrafts and then manufacture debt. This is a clear violation of the federal law.
On Friday the XXXX of XXXX after XXXX there was a positive balance. However on Monday the XXXX the bank is claiming that an over draft occurred and I was penalized for it.
The facts are the bank manufactured the debt by providing overdraft coverage when non existed. The provided overdraft for XXXX debit transactions, 1 ) for XXXX and 2 ) for XXXX, when the transactions should have been declined for insufficient funds. That would have left enough of a balance to cover the internal transfer and alerted me of a low balance so that I could have transferred more money into the account.
By applying overdraft coverage on an account that had no such coverage Suntrust created a negative balance then fined me for being unable to make a XXXX dollar internal transfer as is the practice of the bank to do on the XXXX of the month. Suntrust created a debt where non existed.
|
| 12/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My husband and I opened accounts with suntrust over a year ago. His payroll check was deposited each Wednesday at midnight. We would set payments to disburse that next day. Suntrust would pay the scheduled amounts but charge an overdraft fee for every payment. This left our checking account in the negative on a regular basis. I got a loan to clear the account up and Suntrust continued doing the same and eventually closed our account for an extended overdraft balance of approximately {$1100.00}. We opted out of overdraft protection when we opened the account. We should not have been charged any fees with exception to check payments or ACH payments ; however, most of the fees derived from point of sale transactions and snowballed, causing all transactions to incur a fee. Again, we did not wish for nor elect to participate in overdraft protection. I have gone to the Bank physically and spoken with several bankers, including the branch manager of the XXXX, Georgia location, XXXX XXXX, with no success. I went again and was escalated to an executive team, a representative contacting me by phone once and never hearing back from him. We have added approximately {$10000.00} in overdraft fees that were taken from our account in less than one year. Suntrust has not cooperated with refunding any of the fees to date. Their handling of our funds in contrast to federal banking regulations has caused our credit scores to plummet among many other things.
|
| 01/25/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My property is scheduled to foreclose on XXXX XXXX, 2017 and I have a good solid buyer. I owe {$860000.00} and I have a buyer which will pay the balance of the payoff. Unfortunately, I have several liens on the property and I have filed bankruptcy and had to go to the trustee to get permission to sale the property and once that was done, we had to go back to the bankruptcy court to get a motion to avoid judicial lien for XXXX liens. Once we did that we thought we had smooth sailing. However, we were scheduled to go to the closing table on XXXX XXXX, 2017 and that is when the IRS Lien came up at $ XXXX. We are now in the process of getting a partial lien release from the IRS and as you know they do not move very fast and it was relayed to me that they will not have that done until XXXX XXXX, 2017. I just need the additional time to get this closed so that I do not have the foreclosure on my credit and my lender is being unreasonable and not doing what the government says the lender should do which is provide me with an alternative to foreclosure. This is not a short sale, this is a regular sale paying off my insurmountable debt that I owe to SunTrust mortgage. My integrity has already been compromised by my having to file bankruptcy and by me losing my home, I just need a chance and some help to get this done. I phoned the lender this morning, and they had me phone the foreclosing attorney, who had me call the lender back. I NEED HELP!!!
|
| 12/26/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
This is really problems, 1st is they stated they wouldn't charge me more than 1 fee per day with my overdraft on my business account which they do, sometimes they charge me before the account even goes into over draft.
I've had issues with SunTrust before, Now even though I setup a overdraft for my account, they say it is the same account as my business credit card account which it is not and has a completely different account number and balance, as well as balance available. I had to write a check for supplies for a current job and looking online I see my overdraft account states XXXX balance {$5000.00} available, But the are returning the check, therefore messing up my relationship with this supplier and telling me it is based on my balance on my business credit cart which states {$74.00} available with a completely diff account number, I occasionally reach someone at SunTrust that knows what's going on and what to do. but as of lately no luck. Is there anything that can be done to make them abide by what I was told that it is a separate account with it's own available balance. If it were not, I'd have no use for it because I could just charge what ever amount from the business credit card to my account and not ever pay a over draft free. + their new 3 % cash transfer fee they started to charge me along with a {$38.00} overdraft fee. Not sure what has happened to SunTrust but they have become a group a lying fee hungry bankers!
|
| 06/02/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/2015 there was a withdrawal for {$3100.00} made on my account at a branch in XXXX, GA. This was a fraudulent withdrawal and I made initial contact with the bank on the day of the transaction. On initial contact on XX/XX/XXXX I was given on confirmation number of a fraud claim, on XX/XX/XXXX I went into the branch where the associate assured me a fraud claim had been initiated. I was out of the country from XX/XX/XXXX to XX/XX/XXXX on my XXXX. Upon returning I discovered the fraud claim had not been opened. This was odd since my checking account no longer appeared in my online banking and on XX/XX/XXXX when I visited the branch the associate confirmed my account had been flagged for fraud.
On XX/XX/XXXX after XXXX hours in the branch we opened up a new fraud claim and it is now XX/XX/XXXX and I have received no contact other than on the day of XX/XX/XXXX from a fraud investigator. Several things stand out ... I was shown the withdrawal slip that was used in the fraud transaction:1. my last name was misspelled2. the teller wrote down a driver license number that was not mine on the slip3. The signature looked nothing like my signature ( what is the point of signature cards? ) 4. I have never previously withdrawn anything of that magnitude from a teller window transaction.
And yet it has taken SunTrust nearly a month to process this fraud claim and no one at the company can tell me when I will have my money back.
|
| 06/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Sent card you never applied for
|
|
Web |
|
|
On XX/XX/2019, I applied for a SunTrust Travel Rewards credit card. I first called SunTrust to ask about credit card options and they described different cards, including the Cash Rewards and Travel Rewards card. I made clear I wished to open the Travel Rewards credit card and asked for instructions to the right link on the website to open that card. The customer service person provided those instructions and I followed that link. I was able to download terms and conditions for the Travel Rewards Credit Card. After completing the application process, I received a card in the mail, activated it, and used it for 3-4 purchases, then realized it was labeled Cash Rewards instead of Travel Rewards. I called SunTrust and they said that what I had applied for was a Cash Rewards credit card. As mentioned, I was careful about which card I had applied for and did not wish to open a Cash Rewards credit card and had in fact downloaded the Travel Rewards card terms and conditions earlier in the process. But it looks like partway through that application process, SunTrust switched which card I was applying for to the Cash Rewards credit card. When I called, twice, and spoke to supervisors, they said there was nothing they could do, that my credit reports had already been pulled, and to get the correct card, I would need to submit a new application. I instead paid off the few purchases on the wrong card and canceled the card on XX/XX/2019.
|
| 12/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have mortgage with Suntrust.
I bank with XXXX XXXX XXXX for my business.
I deposited a insurance check in XXXX for business. XXXX put a 13 day hold on my funds.
I make arrangements with Suntrust for my XXXX payment. Arrangements for XX/XX/XXXX.
XXXX held funds from XX/XX/XXXX till XX/XX/XXXX.
I went in to XXXX on the XXXX th and told them insurance company said check had cleared why is it a hold. XXXX released funds and I paid Suntrust on the XXXX of XXXX. For my XXXX payment. Suntrust contacted me on the XXXX of XXXX. Saying they needed payment for XXXX again and XXXX. I stated I paid already. Suntrust stated they held payment till XXXX of XXXX. Mailed it back and wouldn't acept my payment. I just recieved it in mail on the XXXX. XXXX cant pay it again now they say they want XXXX also. This is second time they have messed up my credit by prolonging my payments trying to force foreclosure. I wasn't late for a year so I can refinance. But they do this to keep me at high interest rate.
Suntrust did this to me in 2016 also and XXXX XXXX resolved for me without legal action.
I been in my house 13 years and value is up. They trying to force a foreclosure. I have deposit slip and payment info and copy of the check they sent back after holding for almost a month. Im disable and cant play these games with Suntrust. The have not let me refinance or access equity in 13 year. Wouldn't let me fill out application or even try.
|
| 10/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an account with SunTrust on XX/XX/2019. I made an opening deposit of {$50.00} shortly after opening the account. I deposit my employer paycheck of {$1100.00} on XX/XX/XXXX.
The next day ( XX/XX/XXXX ), I was notified that a hold was placed on the paycheck for 10 days, and funds would be available on XX/XX/2019 by XXXX ET. The reason for the hold was " confidential information that the check may not be paid. '' The next week, I received my debit card and new account information by mail.
When XX/XX/XXXX came, I called SunTrust Customer Service, and a CSR told me that my account was under review and couldn't give me further information over the phone. I went to the XXXX XXXX, MD branch and spoke with a banker the same day. She informed me that my account was actually going to be closed, " per the rules and regulations. '' When I said that I did not receive any notification of this, she said " well, we don't have to notify you. '' I took my complaints to social media, and a representative from SunTrust Bank 's social media team contacted me. He said that my account was " under review and will be closed ''. He also said that closure " takes 5-7 business days with no activity, then another 5-7 business days for the account to be closed, then another 7-10 business days for the funds to be returned to you via US Mail. '' It may be until XXXX before I get my money back, nearly {$1200.00} that I deposited in good faith.
|
| 05/15/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been attempting to modify my loan. In XXXX and XXXX, after months of Suntrust losing my submitted documents or rejecting for numerous reasons, I was denied a modification of my loan in XXXX, XXXX ( which stands at 6 % ). I had fallen behind XXXX payments earlier in the life of the loan but ALWAYS paid my scheduled payment as agreed. I was just XXXX months behind. I asked and begged for those XXXX payments to be put at the end of my loan. I asked and begged for a lower rate and new terms ... denied. All they offered me was a repayment plan whereby they took what I owed, divided it by XXXX, and that would then allow me to " catch up ''. Problem is, and I explained this to them, is that this loan is an interest only loan which is due to TRIPLE my monthly payments this coming XXXX XXXX, XXXX. They were uncaring to say the least.
Fast forward to today, XXXX XXXX, XXXX. I just tried to initiate another modification process ( this time the loan is not delinquent as I paid the XXXX months that I was behind in XXXX/XXXX of XXXX ). I was told by the home retention department that the refinance department had to help. I was told by the refinance department that the home retention department had to help me.
I can already see where this is heading. I 'm solidly back at square XXXX with this company. The representative at the home retention department was n't even sure if they could help me since I 'm not behind on my mortgage.
|
| 07/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have SunTrust Mortgage company some time now. I have lived in my home since 2008. I have a very same brook in the back and side of my house since the day I bought the house I was told by XXXX and the town of XXXX that my property is in a flood zone x. I have been receiving flood insurance though XXXX XXXX paying XXXX a year for coverage. Now Sun Trust is saying that I'm in a flood zone A and are not working with me and gave me their flood insurance which upped my mortgage XXXX per month. I'm a single mom and I can't afford to pay this amount every month. I have called SunTrust many times to see why my paperwork isn't acceptable this year. The last couple of years they have received my paperwork and I was fine with my XXXX XXXX flood insurance and they where good with me being in a flood x. Now they are telling me that I need to get update paperwork from XXXX either a map amendment or map revision. I have applied on line with XXXX to get this information which takes them up to 60 days to provide the paperwork to me. So now in the mean time I'm only paying my normal mortgage not the extra money that they added on to my mortgage I feel I have given them the proper documents for them to solve this issue. Nobody ever gets back to me at Sun Trust and I have faxed over the information many times and All State also tried to tell them that I was in a flood zone x. I feel if this isn't taken care of I will end up losing my house.
|
| 07/27/2016 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
Sun Trust Bank is XXXX of the lenders for my student loans. There was a period of time in which I was unable to pay my loan and it became delinquent. This was due to the death of my youngest son, the XXXX of my oldest son with XXXX, followed my the death of my Dad.. Subsequently, I was contacted by a company representative to make minimal payments of $ XXXX {$10.00} per month, in order to return my account to good standing. Given the circumstances, I jumped at the opportunity.
Once my account was returned to good standing, I applied for a student loan consolidation. As a result, I discovered that the balance for Sun Trust Bank had been increased by approximately & XXXX, which was significantly more than the original amount I borrowed to take courses at XXXX University. Although I did bring this to the attention of a FSA representative while requesting assistance with the loan consolidation process, I was informed that nothing could be done.
It 's incorrigible that any financial institution would be allowed to take advantage of a person to this extent. My goal is to complete my degree and pay my student loans. However, it 's unethical to charge such an excessive amount of money in the name of providing assistance to someone that is experiencing an extreme financial and emotional hardship.
Please advise what, if anything, can be done to resolve this issue.
Thank you.
XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX
|
| 05/09/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
I attempted to make a cash withdrawal in the amount of {$2500.00} from my SunTrust personal savings account. I provided 3 forms of identification:1 ) My non-expired Florida driver 's license, bearing my photograph and signature.
2 ) My pre-printed withdrawal slip provided to me by the bank bearing my signature.
3 ) My non-expired debit card issued to me by the bank, bearing my signature.
The teller stated that the signatures did not match. I addressed my dissatisfaction with the CEO of the bank, XXXX XXXX in the form of a letter. He delegated responsibility for responding to XXXX XXXX of the Client Advocacy Team. XXXX XXXX sent me a letter which not only failed to address any of the objections which I raised in my original complaint but went so far as to attach a copy of my withdrawal slip and signature card on file which prove that the signatures, in fact, did match. I am left with zero confidence that any future attempts to withdraw funds from the account will be fulfilled no matter how many forms of identification I provide. SunTrust Bank made me feel like a criminal for attempting to withdraw my own money. I ask that you censure SunTrust for the inordinate barriers to withdrawing funds which it has instituted. I make my request based on experience because I also have a savings account with XXXX XXXX and have made similar withdrawals without incident simply by providing my driver 's license and debit card with PIN.
|
| 10/13/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I started a SunTrust bank checking account online on XXXX/XXXX/2015. I was able to access the online portion and got my account and routing numbers so I could direct deposit my paycheck. When I checked back a few days later, I could n't access the online banking. I called SunTrust, and they said they could n't verify my identity, so I could n't get online banking until they sent me a verification card to my address, that I would sign and mail back. After a few weeks, I still had not received the verification card, so I called back, and SunTrust informed me that my account was closed for " rules violations '', although they would not tell me what rules I violated. They gave me no warning that my account was about to be closed, or anything I could do to keep it open. They said the account would be closed and I would be sent a check. A few weeks after that, I receive a statement for my account, which I thought was closed. I called again ( XXXX/XXXX/15 ), and SunTrust informed me that my account was still in review to be closed, and I would not receive the paycheck I had deposited until the review was done. They could not give a time frame for the review to be done. I opened this account with a promotion, in which if I deposited over {$2000.00} I would receive {$200.00}, and I believe that because I was very close to achieving the promotional balance, they closed my account. Now they are refusing to send me back my money.
|
| 08/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Two weeks ago, I was notified by the XXXX XXXX app that my previously excellent credit score had dropped 200 points. Upon viewing my credit report, I learned that SunTrust Visa ( account # XXXX ) had reported to the credit agencies that my credit card had a {$75.00} delinquent balance that was 30 days late. My problem is that this credit card, which I have had for 10 years, is used only to back up my checking account in the event of an overdraft. Unbeknownst to me, I did not have automatic payments set up. Furthermore, despite their claims, SunTrust Visa never communicated with me by telephone conversation, a letter, or an email to notify me that my account had become delinquent. Had I known, I would have paid my balance immediately. I have tried numerous times to speak with someone in the SunTrust credit card collections department with no success. SunTrust has severely and unfairly damaged my credit score because of their lack of transparency and apparent goal of protecting their company 's version of the truth. I have been told by several managers in their credit card department, who are not even working on SunTrust 's investigation of my complaint, that the company tried numerous times to notify me, which is completely false. I have a mortgage and multiple banking accounts in good standing with SunTrust. I do not understand why SunTrust would allow my credit scores to be so badly damaged by a single oversight.
|
| 01/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have pictures to support my claim. Suntrust has charged me overdraft fees on settled positive balances. On XXXX XXXX, I had an ACH payment and credit card payment that has been posted on my account on the XX/XX/XXXX, but they have, on their end posted it as a pending transaction and moved a payment that was done on XXXX under the posted XXXX payments.
I was told by the manager of Suntrust that this is a practice of theirs. To move the higher items, even though they are not posted under the lower items that are posted, and directly above deposits to pay those first. As a result, I am paying overdraft fees on items that were not overdrawn on my account. The bank manager told me that this practice is legal and how they do their banking. This ca n't be a legal practice moving items in our accounts to get over drawn payments. No way this is legal, but they told me they do this to all customers. I was warned from a coworker not to do banking with them because they do this and now I wish I would have listed. They did this same thing last month and I was given back my over drawn payment. They refuse to take those overdrawn payments off my account. I will be closing this account. Please help!
I am sure they have been doing this all along now. Now I understand why when I check my account and it 's good then I check it again and it is overdrawn. They are moving items around in my account to get money. This needs to stop.
|
| 07/14/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
SunTrust received payoff on XX/XX/XXXX via wire from our closing attorney ; however the payoff was not posted until three days later, on XX/XX/XXXX, with XX/XX/XXXX as the effective date of payoff. The payoff statement from SunTrust clearly states wires received by XXXX XXXX are posted the same day. My wire confirmation shows that the wire was sent at XXXX XXXX allowing ample time for the funds to be received by XXXX XXXX. Payoff did not post the same day and I was charged three extra days of interest by the time it did post. I contacted SunTrust by phone on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, after checking online daily, and via their secure email site following that, and am still waiting for them to 'research ' the request and refund the interest for those three days. I was first told the wire room was understaffed, which is the reason given for not posting the same day, but that the payoff would post as of the correct XX/XX/XXXX effective date. Next I was told that because the loan had two parts ( former restructure ) it took two days to post the payoff but that it would be effective dated to the XX/XX/XXXX for both parts of the loan. Finally when I saw online that the payoff had posted and that it was not backdated to the date wire funds were received, I sent an email to SunTrust via online secure mail site. That was been two weeks ago with an email 2 weeks later saying they are still researching my request.
|
| 05/21/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
|
|
XXXX XXXX, 2015Federal Trade CommissionXXXX XXXX XXXX, XXXX, XXXX XXXXDear Sir, My name is XXXX XXXX XXXX This correspondence is in regard to unfair, unethical and potentially criminal activity on the part of XXXX, a U.S. online travel agency and its vendor, XXXX XXXX.
On Monday, XXXX XXXX, 2015 I attempted to book a vacation package to XXXX, XXXX for XXXX XXXX XXXX, 2015. The reservation was supposedly not approved by my XXXX credit card issuer ; XXXX XXXX or XXXX debit card issued by SunTrust Bank although funds were available with both institutions. Surprisingly I had several pending charges and subsequent hold on funds with the XXXX credit card ( XXXX XXXX ) and XXXX debit card ( SunTrust ).
I do not understand how XXXX and its vendor ; XXXX XXXX, can place charges to consumers accounts thereby freezing assets for goods or services not provided. As of XXXX XXXX, 2015 XXXX and XXXX airlines are illegally holding close to {$3000.00} of my money. I am requesting an immediate release of pending charges on my accounts : XXXX XXXX XXXXSunTrust MasterCard XXXXIn addition, I am demanding financial compensation for lost wages, loss of use of funds, increased vacation travel costs, stress and anxiety. Please contact me at XXXX ( h ) XXXX ( o ) or XXXXXXXXXXXX to resolve this matter in a timely and suitable fashion. Thank you.
XXXX XXXX XXXX : XXXX XXXXSunTrust BankConsumer Financial Protection BureauXXXX XXXX XXXX
|
| 11/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I would like to file a second complaint About my loan with Suntrust. In XXXX I had started the process of removing my PMI Insurance they had received a check from my on XXXX XXXX to schedule an appraisal. There letter said this would be done with 30 day of receiving my check. I spoke with suntrust on XXXX and representative told be an appraisal was scheduled ordered on XXXX. When I called on XXXX there was still no appraisal ordered. this has know been way past there 30 day window. The appraisal occurred on XXXX. on XXXX I call suntrust to see what the status of the appraisal was on and they said it take XXXX5 business days to make a determination of the report. on XXXX I then called again as I not received anything in the mail and had not hear a report. Today XXXX I was just informed that they mailed a letter stating the PMI was removed as of XXXX, ( I still have not received this report ). What I would like to happen is for suntrust investigate the delays in keeping to there time lines and reimburst me for 2 month of PMI insurance as if they would have done all this in a timely manor I would have only paid for XXXX PMI insurance. If I would not called over 7 times to make sure this process was still moving forward I am confident that I would still be waiting for them to start this process. As a consumer this has been an awful experience and I have had to expend a lot of time making sure Suntrust did there job.
|
| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
I started my complaint approximately XX/XX/2019. I paid a company, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX ; which was recommending to me by XXXX XXXX XXXX XXXX formerly XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX , came on behalf of XXXX XXXX XXXX and gave a written estimate for {$2500.00}. He received a deposit for {$1500.00} ; check # XXXX on XX/XX/2019 and the balance for {$1000.00}, check # XXXX ; a metal part ( track repair ) {$80.00}, check # XXXX. XXXX XXXX DID NOT COMPLETE/FULFILL his contract responsibilities. When I called Suntrust Bank to put a stop payment on the checks ; I WAS TOLD I COULD NOT. I told them that this person, XXXX XXXX XXXX committed fraud. The company XXXX XXXX XXXX XXXX did not exist. I filed a police report, I filed a complaint with XXXX XXXX XXXX XXXX, I contacted the Ga Secretary of State. I filed an Open Records Request with Suntrust Bank by Faxing to all the fax numbers they gave me. I sent a message through my online banking access to no avail. All they sent me was a STANDARD FORM LETTER and it wasn't signed. You violated my rights a banking customer and consumer. The Open Records Request was asking " Where did the Money Go ''? Suntrust Bank said they were assigning an investigator within 15 days. It took over 30. I faxed Open Records Request to ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019, ( XXXX ) XXXX ; XX/XX/2019 ; called ( XXXX ) XXXX option # XXXX
|
| 11/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I send yous a complaint recently about my XXXX mortgage. I have XXXX mortgages I 'm trying to combine both of them together yous wrote back to me about it saying yous got of hold of suntrust mortgage with the loan I 'm with I talk to them and they told me they ca n't combine my XXXX mortgages which I 'm not happy with because when I got the loan they told me I was going to be able to combine and refinance both mortgages and now they say they ca n't and they said they can modified my second mortgage but I need to put 5percent down which I do n't have and plus I 've been having this home for more than 8 years and I have paid more than doubled the price with all this interest they change me I ca n't afford to pay my second mortgage I 'm working less and they do n't seem to care after all this years I 've always been on time and now I ca n't they keep calling me at first I thought they were calling to negotiate because yous have got a hold of them and no they were calling for the late unpaid mortgage and when I did get of hold of someone they said I need 5 percent down if I want to modified my second mortgage which I 'm not very happy with because I 'm tired of paying to much money and to much interest so if yous can please help me I would really appreciate it I do n't know were else to go I do n't have any money only bills and bills and it seems like they are not even trying to help me hope to hear from yous soon
|
| 03/02/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
Older American |
|
Suntrust Home Equity Line of Credit
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you " signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL. I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call. NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ". This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .
|
| 09/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This loan was consolidated with Department of Education / XXXX on XX/XX/XXXX, and XXXX/Suntrust/XXXX Still reports the loan as Charged Off. They are no longer the noteholder and the debt has been resolved since XX/XX/XXXX. In fact all of the loans were consolidated and in good standing XXXX.
We filed paperwork with company MULTIPLE TIMES with no response. I have made payments with XXXX XXXX and XXXX totaling {$33000.00} since XX/XX/XXXX encompassing and including the loans forwarded to XXXX XXXX reported by XXXX XXXX/XXXX/Suntrust continue to incorrectly report. Over 6 years I have made my payments perfectly without missing a single one. My credit report is flawless otherwise, and these remaining items which are incorrect, have prohibited me from rates that I earned, homeownership options that I should qualify for, and many more issues.
My local credit union representative has has called XXXX/Suntrust/XXXX XXXX multiple times, and we were promised resolution without any further follow-up and negative items remain on credit report. We have even attempted a resolution with the Ombudsman from the Department of Education, who facilitated the consolidation with XXXX in XX/XX/XXXX.
XXXX/Suntrust have record of accounts XXXX and XXXX BOTH being transferred out - and resolved, yet they continue to incorrectly report " charged-off '' on my credit report. This is the same for XXXX XXXX account ending XXXX.
|
| 11/02/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
we have a mortgage loan with SunTrust Mortgage ( investor is SUNTRUST Bank , Inc. ) on a rental property in XXXX North Carolina. it was a 5/1 interest only mortgage after 10 years the loan converted to a 20 year fully am adjustable. the payments have more than doubled. given the vacation/resort nature of the property the property primarily rents and brings income in to help cover the cost of the mortgage during the summer months. but now we are unable to make the mortgage payment with a son in college and one going next year. the rental income for the 2018 season will not start coming in until XXXX so we will be unable to make XXXX, XXXX and XXXX mortgage payment.
we had requested a modification of the loan terms so we could better afford the payments and cover with the rental income that comes in. Some major safety repairs to the deck also must be done or the people will not rent the home. double edge sword. ca n't afford to fix it up. we are looking in to short sale but after speaking with cpa, the cost will be over $ 75k at the end of the day.
the modification was not approved as they performed a debt ratio that appeared we could afford it but they did not take in to consideration ALL debt and income has since declined.
in the response to the modification, it stated that if the property is in the state of North Carolina, we could file a complaint with www.nccob.gov from that site, i was brought here
|
| 06/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I placed a stop payment on a purchase due to problems with the quality of goods and services purchased however Suntrust Bank still allowed the purchase to be drafted from my account. On XXXX XXXX, I filed a dispute and provided Suntrust with the information requested. On XXXX XXXX, additional information was requested. On XXXX XXXX, Suntrust received correspondence from me in response to the letter they send me on XXXX XXXX. Yet, XXXX XXXX, I received a letter dated XXXX XXXX, stating that the dispute is CLOSED because I did n't send the additional information they requested. I provided proof of receipt delivery yet I was being led to. Matter fact, I called Suntrust on XXXX XXXX yet I was told by supervisor XXXX that they received my documents and are processing my claim. SunTrust is trying EVERYTHING not to honor Federal Law that protects me against legal protections for problems with the quality of goods or services purchased with a debit card/ credit card account ending in : XXXX. The banking institution has failed to has been unfair and deceptive in their dealings with me and I have reason to believe that its because of my gender and color. I have several colleagues of the opposite race and sex that have had favorable outcomes. But Suntrust always gives me a hard time. They treat me as though I 'm a thief. My rights have been violated. And conveniently, the account was CLOSED by Suntrust on XXXX XXXX.
|
| 11/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I have an account with SunTrust Bank, my debut card was limited and unable to use it ; Ive tried to reach out to SunTrust to my account status, On XX/XX/XXXX I made a deposit of a check from my own account at another bank into my SunTrust account ; my bank on the other end decided not to honor my single party check. On XX/XX/XXXX my debit card was restricted and the funds in all of my accounts were placed on hold. As of XX/XX/XXXX SunTrust still can not tell me what they will be doing. The funds in my checking account are so rightfully mine and I have no debts to Suntrust that they need to hold the funds to cover. Theyve stated that they are closing my account however they have not yet closed my account or given me the funds from my account, a check was deposited that bounced so I understand the need to hold the funds to cover, however the amount of the check was never withdrawn so the bank didnt have it to cover it. Ive worked with the branch manager for how has tried to resolve this issue for me however SunTrust office is giving him problems and wont give either of answers about closing my account or when I will receive the balance in my checking account. The branch manager has been kind enough to keep me updated everyday and the balance in my checking account is still there, its just on a NO DEBITS status so he can not was release the cash to me. I need CFPBs help to resolve this issue with SunTrust
|
| 12/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently, my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified, I requested to have additional information sent, inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} ), which I was informed was going to be the new payment moving forward.
Since completing, I have received XXXX calls, that I now view as harassing in nature, in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics, as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month, the required amount and have been more than willing to adjust as needed.
As of now, should Suntrust Mortgage fail to update and correct their records on file, should I incur any form of negative impact from their inabilities, I will seek legal counsel.
|
| 06/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I want to submit a complaint regarding my bank Suntrust. Last week I was assessed an NSF fee of {$100.00} for a checking account that was not actually overdrawn. I had unexpected purchase as a pending charge to the account of {$49.00}. The charge was for a membership to my gym and is n't consistently charged at the same time every month. The pending charge made my available balance less than I had into the account, so I transferred money into it to cover it. I checked the account a couple of days later and saw that a fee of {$100.00} had been posted for charges that at that point were still pending. I immediately contacted by bank. After speaking with several personnel. I was finally put into contact with someone that removed the charges.
My issue is as follows : How can you charge a fee on something that has not occurred yet? Pending charges are just that pending charges. Many times, I have had pending charges for duplicate purchases or errors show up on my account. It seems to me that my bank is placing posted fees on pending charges. This strikes me as completely unethical and may be illegal. I was able to get in touch with someone and have it resolved. I am certain that there are people without the resources to do so that get stuck paying these fees. Since banks fees accrue, they basically stacking fees daily and now they have the ability to do that before your account is technically overdrawn.
|
| 09/11/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
In XXXX my Grandfather set up an ITF account for me at a Florida Bank. I live in MO. Current balance on XX/XX/XXXX was {$5000.00}. He sent me a letter in XXXX, telling me about this Account. He passed in XXXX. I thought this would have to go thru Probate ( but now I read it doesnt ). After a few years I phoned the bank branch in Florida, where the account was opened. I was told that I would have to appear in person before they would discuss the account. My Grandfathers XXXX copy Lists an Investment Number. The bank representative told me I would need an Account Number, my Grandfathers death certificate, my birth certificate plus marriage license. I called a few years later because I was not able to fly to Florida during bank hours. At that point, bank suggested I come to XXXX, with the requested documents, but without the account number, they would not discuss this account with me. Early XXXX my Financial Advisor called the Florida branch to plead my case. He was assured that if I sent all the above documents, plus a XXXX copy of the ITF acct., they would search for the acct. number. I sent letter certified with all the requested documents, to the XXXX TN location, as advised. On XX/XX/XXXX my documents were returned to me, along with a brief valued customer letter, Stating they were unable to process my account closure request because Please provide account number along with investment number.
|
| 07/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Dear CFPB, Please see the attached letter mailed to us by SunTrust.
All the way back on XX/XX/2019 SunTrust 's XXXX XXXX was to provide our account with {$1800.00} in credit. It is now XX/XX/2019 and XXXX XXXX has not done so. In addition she has ignored all our requests for this to be addressed over the last month.
In addition, during our multitude of calls to SunTrust concerning this case these last few months at least eight different SunTrust employees, including multiple supervisors, clearly stated that our case would be resolved by the deadline which was XX/XX/XXXX. However, when calling into SunTrust on XX/XX/XXXX the story was suddenly changed to the XXXX. Supposedly the staff member on the phone stated they would escalate the matter to XXXX XXXX as urgent to finally have our funds deposited the next day. However, XXXX XXXX has again ignored the matter and has not reached out to us.
The evidence of the fraud we promptly provided SunTrust 's employe in regards to this case is clear and undeniable. There is no need of this behavior from XXXX XXXX towards us.
We are a small family ran business, and this has caused us delays in buying much needed supplies as we lost our relationship with an important vendor after not being able to pay for an order XX/XX/XXXX for we had budgeted in the {$1800.00} XXXX XXXX who on behalf of SunTrust had stated would be in our account the XXXX of XXXX.
|
| 10/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
XX/XX/2018 {$7200.00} Called and visited local branch at : SunTrust XXXX XXXX XXXX XXXX, XXXX ga XXXX SunTrust placed an imaginary legal order debit on my business account without producing documentation and I don't owe any debts.
Limited liability companies, or LLCs, are considered separate legal entities, wholly apart from their owners. This means the owners are not personally liable for the businesss debts and obligations. Likewise, the business is not liable for the personal debts and obligations of the individual owners. An LLCs bank account may be garnished if the debt is a business debt. If the debt is personal, SunTrust should not garnish the account.
A garnishment does not occur until a creditor has proved that the debtor legally owes him the sum he seeks. When analyzing whether my LLCs bank account is subject to garnishment, the first step is I determined whether if the creditor has received a valid judgment against me as the debtor. Typically, the creditor must first sue you and secure a court order demanding that you pay the debt that's due. If the creditor has not received a judgment against you, my LLC account can not be garnished.
Limited liability companies shield their owners from personal debts and obligations. If the debt is personal -- such as a personal loan made to you as an individual rather than as an agent of your LLC -- the LLC account can not be garnished.
|
| 08/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Consumer Financial Protection, Approximately around two months ago, I opened a checking account with SunTrust Bank in XXXX, GA. After shopping around, I decided to go with SunTrust as they had a good reputation and I like the products they offered. I opened a checking account and decided to get the SunTrust XXXX XXXX Debit Card. I was told that as long as I have deposits of at least {$2000.00} per month, I would not see any monthly services fees. I noticed fees in the past couple months from SunTrust. XXXX was a {$75.00} fee and the other was {$25.00} each. After questioning the bank, I had the {$25.00} fee refunded and was explained that the {$75.00} fee was a XXXX time fee for the XXXX Debit Card. A couple weeks later, I noticed another {$25.00} fee and when I went to the bank to question it, I was told that this was a maintenance fee because I have Signature Advantage Account which requires a daily balance of {$25000.00}. I was then informed that the Select Checking was the account that I should have gotten where the fees were waived for having the the {$2000.00} deposits per month. I was informed I would loose my XXXX Debit Card if I switched. I believe this to be unfair as I was n't told about these fees and the reason I chose SunTrust to begin with was the XXXX feature. I ask that the CFPB please advocate on my behalf so that SunTrust and I can come to an reasonable agreement.
|
| 01/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
When I went to make a check card purchase on XX/XX/XXXX at XXXX XXXX my debit card was declined even thought I had adequate money in my checking account with Suntrust. After calling Suntrust I was made aware that my card was blocked and canceled in which I was issued a new card due to a dispute I made with Suntrust on a particular charge. I wish they would have made a better effort to let me know this but nonetheless no issue I waited on my new card. I started calling all of my auto draft accounts that were linked to the old card that was blocked and canceled to change payment method... I only came to find out that on XX/XX/XXXX and XX/XX/XXXX they processed all of these transactions even though the only access to my checking account was thru my bank debit card which was blocked and canceled. Now some of my auto drafts did not get processed but the ones that did cause a massive overdraft situation with a total of $XXXX in overdraft with 15 overdraft charges. I called my branch on XXXX XXXX XXXX in XXXX and she said even though my card was blocked they still had access to my checking account... This makes absolutely no sense since these merchants did not have my routing number or account number and only had my debit card numbers which if I would try to use would be declined. I am looking for relief from the ridiculous $XXXX of overdraft charges to be credited back to my account.
|
| 05/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Hello, My initial application to Suntrust Mortgage was submitted in XXXX . 2017. It entail a refinance of the current mortgage with the company. Everything was going well except the appraisal. It was more than 30 days after the initial application and all documents were submitted way ahead of schedule and A Paid Appraisal. The appraisal result was less than expected by more than {$100000.00}, So I appealed wit h Data and a brief summary. Well I never received an answer regarding the appraisal and Then suddenly, I was n't approved anymore. I requested a refund of my appraisal, but was denied About 3 months later, I contacte d Suntrust mortgage to state my dissatisfaction of the service to resolve our differences and to re apply since it was less than six months.
I explain the situation to the former loan agent, but he refuse to talk, so I was transferred to another who transferred me to a manager which allowed me to resubmit the appeal. XXXX XXXX of my chief complaints was using an appraisal that was located more than XXXX miles away from subject property when there are plenty of appraisals located in the city of the subject property And the appraisal used comparables with different zip codes that are in undesirable areas. All of my complaints included references from police departments and XXXX XXXX XXXX After the submittal, the appraisal stood as is.
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I made payment arrangements on XX/XX/2019 with XXXX regarding a bill for {$30.00} a month beginning on XX/XX/2019 auto-pay for an outstanding debt. I received an alert on or about XXXX XXXX that my account was overdrawn. I contacted XXXX who advised me there was a glitch in the system that they do not know why the system somehow changed the due date which was to begin on XXXX XXXX.I asked XXXX to stop auto-pay that I would pay in person from now on. I then contacted SunTrust and filed a claim and asked SunTrust to stop future payments to XXXX that I ask they stop auto-pay. SunTrust filed the claim XXXX and SunTrust denied the claim stating services was rendered. I ask to rebut and sent additional information which was denied. SunTrust claims that XXXX sent documentation, but SunTrust did not forward the documents to me during the process nor after I requested it.In the rebuttal I told SunTrust the issues is not the service it was the fact that the merchant withdrew funds on a date that was not originally agreed on. Withdrawal of funds before the agreement date is one of the reasons SunTrust offered for a reason to dispute a charge. I do not see on my account that XXXX was actually paid anything from the overdrawn account, but I see an overdraft charge. I have two issues one XXXX debiting my account on a date note agreed on and SunTrust not paying XXXX and charging me an overdraft fee.
|
| 01/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX my cell phone, XXXX XXXX, and checking account, with SunTrust Bank, was hacked. The cash amounts taken from my SunTrust checking account were : {$170.00}, {$250.00}, {$230.00}, {$320.00}, {$320.00}, and {$300.00} totaling {$1600.00}. These unauthorized transactions occurred by the name of XXXX XXXX, who I do not know. This person name was associated with the transactions, according to my checking account.
I called SunTrust to discuss this matter and was told they had froze my debit card because of suspicious activity noticed in my checking account. I told them I did not authorize any of the transactions mentioned above.
The Fraud Department of SunTrust performed a 10 day investigation and denied my claim because of " inconsistencies ''. I told them the truth. My cell phone was hacked on XX/XX/XXXX and I didn't have service on my phone for what seemed like 20 to 30 minutes. During that time, my XXXX XXXX account was hacked which was linked to my checking account with SunTrust. I had to submit rebuttal paper work to SunTrust which included a copy of a text message by XXXX by XXXX, and emails from XXXX XXXX Support acknowledging fraud activity and freezing access to my XXXX XXXX because an unauthorized person had access to my XXXX XXXX account. SunTrust told me, on XX/XX/XXXX it would be a 45 day process to review this. I really need my money back now. Please help me.
|
| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The servicing of my loan was transferred to Suntrust from my previous loan servicing provider. My understanding is that Mortgage companies have a legal obligation to protect consumers during loan transfers between mortgage servicers. That means paperwork should not be lost and servicers should not lose track of a homeowners loss mitigation plans : however that has not been the case in my experience with Suntrust. Over the course of 8 weeks I've attempted to get my remaining monies from a loss claim that has been repaired and been told that I need to provide paperwork that I've already provided to the previous loan holder. Suntrust could not even confirm the amount that was still owed to me ... I received a call from them telling me they had resolved the missing information and mailed the check ... 3 weeks later when I called back in, as I had not received the check as told, I was informed again that they didn't know the amount I was speaking of and would need to send all initial paperwork to them and they would not reach out to the prior mortgage provider to get it. As a customer and mortgage holder I should not be collateral damage in the transferring and selling of my loan the Banks ' all make money on this sale and I at the end of the day feel I have been impacted negatively by it and still have yet to get the additional money that is owed to me. Suntrust needs to make this right.
|
| 10/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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I would like help from the CFPB to have Suntrust Mortgage refund the fees paid to process a refinance of my current mortgage.
My current mortgage lender is SunTrust and this loan is recorded in our family trust. While shopping for a refinance, on XXXX separate recorded phone calls the Suntrust loan officer assured me if I refinanced with SunTrust the new loan could be recorded in the existing family trust. After submitting my documents ( including the family trust ) and getting pre- approval, I was charged a {$540.00} appraisal fee and a {$14.00} credit report fee.
After these fees were paid I was notified that Suntrust would not record the refinance into the family trust as previously promised. I was given two options : 1. Record the new loan in my name, re-record it in my County to the Family Trust and pay a lawyer to amend the trust. 2. Change the family trust to meet their requirements but they claimed they could not disclose to me what those requirements are.
On XX/XX/2016 I requested a refund of the fees already paid because I believe Suntrust acted in bad faith. They were aware from the beginning that keeping the new loan in the family trust was an essential factor in my decision to select Suntrust for the refinance. My current Suntrust Mortgage is recorded in the same family trust so there was no reason to suspect they would not/could not record the new loan to the trust.
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| 06/26/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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My account was overdrawn, however I made a return to a store. When I checked my account to see if the credit had posted, I found that Suntrust had applied an extended overdraft fee. This fee XXXX the amount of {$36.00} if the account is overdrawn more than a week. This seems like a predatory practice, most people are paid bi-weekly. I have been a customer of Suntrust bank since 2010, and have direct deposit set up on my account.
I went to the bank to speak with a representative and let him see the copy of my credit from the store. He said that it was pending, but he could not make the decision to issue a refund of the fee as a courtesy. He would email his manager, and his manager would make a decision upon his return. XXXX days later, the manager, XXXX XXXX, called me and informed me that because of my returned item ( an insurance check that automatically is paid from my account ), the overdraft was my fault and the bank was right in charging me the fees. He rudely hung up the phone as I tried to discuss my concerns. To have an extended overdraft fee is an excessive fee, which makes it more difficult for consumers to gain financial stability. My account was overdrawn by {$11.00}, I was charged a returned item fee of {$36.00}, then an additional extended overdraft fee of {$36.00}.
This practice should not continue, and Suntrust should issue refunds of the extended overdraft fees.
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| 07/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Our mortgage changed hands XX/XX/2016. The new mortgage holder is sun trust mortgage in XXXX XXXX We have been paying our mortgage for years using automatic bill pay from our bank, XXXX XXXX . To pay the new payee for the first payment on XXXX XXXX, I changed the bill payee to Suntrust mortgage and updated the mailing address for the payment. Unfortunatly- I did not update the account number and left the account for our old mortgage in the memo section of the check. The money was debited from our account. Suntrust claims never to have received the payment. They are calling us delinquent on our mortgage. When we caught the error we updated the account number, and have paid every month since ( XX/XX/XXXX-XX/XX/XXXX ). We have not missed payment. We have had countless phone calls with Sun Trust and claim numbers as well as escalated claim numbers related to this issue. The company continues to telephone us demanding the 'delinquent ' payment. It is now bordering on harassment. We have spent time on the phone with XXXX XXXX, and in the local XXXX XXXX branch. We have faxed the paperwork which was asked for by Suntrust on multiple occasions. XXXX XXXX has sent the paperwork directly to Suntrust as well. Each time we speak to Suntrust, they tell us they will have an answer in 36 hours and to call back. When we call back they claim to know nothing about any paperwork which we have faxed.
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| 07/01/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
Older American |
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On XXXX XXXX XXXX I noticed XXXX pending transactions ( XXXX for {$53.00} ) on my account that I had not made. I immediately called my bank ( SunTrust ) and informed them of this. I was told they would take it off and research it. I asked them to please let me know who tried to write a check on my acct. or if it was accidental internal or computer fraud so they transferred me to the fraud dept. I told them the same situation again and they asked me if I would prosecute and I said yes! So they took my info and said they would contact me in about 10 days, however no one ever called but the transactions were removed from my acct.! I then called the SunTrust back on XXXX/XXXX/XXXX to ask what had transpired and they said " well it 's not on your acct. '' and again transferred me to the fraud dept who gave me a direct phone number to call. I called this number XXXX on XXXX/XXXX/XXXX. I then reiterated the same story and they said they ca n't find it anywhere but it 's not on your acct. so it 's ok. No it 's not I want to know who tried to get into my acct! So they said they would research ( again ) and call me back. Again THEY DID NOT! On XXXX/XXXX/XXXX I called the fraud dept. again and again same run around! I have banked with SunBank/SunTrust since XX/XX/XXXX and am very disgruntled that they ca n't even help me with such a small request as to who tried to get money out of my acct.
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| 07/29/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
Older American, Servicemember |
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We negotiated and signed a contract for our home in XXXX, VA, on XX/XX/XXXX based in large part on the buyers ' Pre Qualification Notification letter from Sun Trust Mortgage dated XXXX XXXX. The agreed upon price and terms were well under the approved parameters in the letter which also stated " I have evaluated your credit, and reviewed the requirements of the loan program discussed. '' Then some 5 weeks into the transaction, Sun Trust told the buyers that the pre-approved loan program did not exist and issued a loan rejection letter on XXXX XXXX -- only 4 days prior to the scheduled closing on XXXX XXXX. I had the movers scheduled for that day and the buyers had terminated their lease in order to take occupancy at the end of the week. In the midst of this bank induced turmoil and trauma, the Sun Trust loan consultant and bank executives then became essentially non-communicative and non-responsive. My realtor essentially preserved the sale by negotiating a new agreement wherein she and the buyers ' broker and agent provided the bulk of their commissions to enable a transaction satisfactory to the bank. I have waited a couple months to calm down but it seems implausible to me that Sun Trust can issue a written approval intended in large part to convince sellers of the buyers ' qualification, at the last moment cancel the whole deal based on their error, and walk away scott free.
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| 03/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
Older American |
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Re Home Equity Line of Credit with SunTrust Bank We purchased our home in XX/XX/XXXX. The mortgage and a Home Equity Line of Credit ( HELOC ) were financed by SunTrust Bank. In XXXX XXXX we refinanced the mortgage. In XXXX XXXX we increased the HELOC ( both still with SunTrust Bank ).
XX/XX/XXXX I merged the mortgage and the HELOC into XXXX loan financed by XXXX XXXX. Therefore, both the mortgage and the HELOC with SunTrust Bank were paid off in full. On XXXX XXXX, XXXX, a " Certificate of Satisfaction '' for the mortgage was recorded in the Land Records for XXXX County, Maryland. A " Certificate of Satisfaction '' for the HELOC has never been recorded with XXXX County. Any title search now will seem to indicate that the HELOC has never been paid off. A " Certificate of Satisfaction, '' which in effect is my receipt, recorded in XXXX Country would eliminate this problem.
I received XXXX letters from SunTrust Bank ( dated XXXX XXXX, XXXX and XXXX XXXX ) informing me that the HELOC had been paid off and that the appropriate information had been forwarded to XXXX County ( letters attached to this complaint ). However, XXXX County has no record of ever receiving this information.
I have sent XXXX letters to SunTrust Bank. The XXXX one was dated XXXX XXXX, XXXX. The XXXX was sent via certified mail on XXXX XXXX and received by them on XXXX XXXX, XXXX. I have received no response.
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| 12/05/2019 |
Yes |
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- Struggling to pay mortgage
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Web |
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Please be advised SunTrust received a full short sale package along with a short sale offer. The appraisal was completed shortly after the driveway was repaved to the street and the pipes to the water being lead to the street were repaired. The builder of the home never added a pipe to the street when purchased the home no water and flooding occurred which no money was able to repair or to even go against the builder. This home had water damages it was extremely costly to get these repairs and resolve the problem with the Builder. SunTrust appraiser came in at XXXX0 my payoff is at XXXX and they closed our review of Short Sale and told the listing agent to list for a full payoff to Sun Trust. We listed the property on XXXX to market for that type of offer. Then Sun Trust right after set a sale date for XX/XX/20. I contacted FHA and a Housing Counselor to assist us with Sun Trust to allow 180 days to market for their request. Sun Trust them had their Plaintiff Attorney send me a Deed In Lieu right after stating the home should be sold for Equity? They want the Equity Sale that is why they set the sale date. Not fair to me at all this is my home I occupy this home and I have listened to change the offer to pay them off. I had a short sale offer on the property and sent all my docs? I need a fair response from the lender. 180 days is fair to market this home on the XXXX.
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| 09/29/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I have been trying to close my SunTrust Bank account as they keep allowing false charges to be made to my account. When I asked for my account to be closed it had a positive balance. It took them several days to acknowledge my request to close the account and then mysteriously several out of state charges started to show up on my account. Now my account is in the negative because yet again they have allowed false charges or are trying to sabotage my account closing by adding a ridiculous number of charges and overdraft fees. If they had closed my account when I asked then they would be mailing me the positive amount left in my account now they are claiming my account is negative by $ XXXX. I believe there is something fishy going on with their accounting. I have had nothing but trouble with them allowing false charges and me continuously paying them and now all of a sudden more fishy charges are added to my account upon my request to close the account. I believe they are practicing unfair business and treatment of their customers. When I brought this to their attention, they asked if I would like to make a fraud complaint in which I said yes however was told they could not complete on their end I 'd have to call in. I called in several times over the course of several days and each time I was placed on hold for more than 30 mins and never allowed to talk to an actual person.
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| 04/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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Hurricane Florance.
SunTrust Mortgage offered us a 6 month deferment of payments due to our being desplaced from our home. Our agreement on the phone was simply to have the payments added to the end of the payment schedule for the existing loan.
On month 7 we tried to make a payment and the bank took the payment but we later received paperwork from the bank for re-structuring our loan. A thing we did not want to do. It was explained over the phone that this was the way it had to be. We signed the paperwork and returned it per the instructions.
The payment we made on month 7 was not credited to the loan but put into a holding place until the re-structuring was complete and we were told not to make any more payments until the restructuring was complete. We were not informed of that when we made the payment. The restructuring will include a new interest rate. Today we get a foreclosure notice if we don't pay the past months payments as well as fees, attorney fees, and late fees.
We need your help to fight this company trying to take our home unlawfully. They won't take payments but they want payments. What they say on the phone is not backed up with what they mail to us. We are living in our home now.
XXXX XXXX XXXX, XXXX, XXXX XXXX Loan Number XXXX Home Preservation Client Representative : XXXX XXXX XXXX XXXX Ext. XXXX Sincerely, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
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| 03/10/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2017 I received an e-mail from XXXXXXXXXXXX, purportedly from SunTrust Bank. This e-mail informed me that an Online Cash Manager Account had been opened in my name at SunTrust Bank and requested that I reply to complete the enrollment process. I do not have, nor have I ever had, an account with SunTrust Bank. Nor have I ever initiated the process for opening any type of account or service through SunTrust Bank. When I called SunTrust Bank their employees immediately requested my social security number. When I refused to give them that information they checked for accounts in my name. I was told that there were several accounts at SunTrust Bank that had my name on them. When I asked them to cross reference the accounts that bore my name with accounts that have my e-mail address associated as contact information they refused on the basis that they could not give out account information. In short, fraudulent financial activity is apparently being conducted at SunTrust Bank using my name but SunTrust Bank is refusing to give me any information about accounts held by them in my name. I need to know what fraudulent accounts are being held in my name at SunTrust Bank so that I can effectively pursue a prosecution of the individual or individuals who have used my identity to open fraudulent accounts in my name. Thank you for any help you can give me in this matter.
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| 12/07/2017 |
Yes |
- Checking or savings account
- Other banking product or service
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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While on vacation my wallet was stollen, so i informed suntrust of this and canceled cards to my personal account. My estate/business account opened with suntrust bank had a large amount of money missing. I went in to make a withdrawal, once the withdrawal was made i had the teller ( which happened to be the manager ) print off my balance which read {$1800.00}. I asked her to relook at my account because that was inaccurate. She informed me to call the fraud prevention and start a claim. she printed off all of my withdrawal slips since the account had no debit cards to it. The fraud team investigated my account and informed me that they had found $ XXXX. They emailed over the affidavits and i promptly got them notarized and returned. Upon recieving them they told me in 15 days my money would be returned. The XXXX day i called to request that they do not put any money in that account due to what previously happened and they were quick to inform me that they denied it. and refused to give me a reason why they decision was changed. i am a local business owner and i want justice. i work hard for my money not for it to be taken. I have to now try to rebuild my credit which was in great standing prior. I have documents proving this is fraud! the withdrawal forms, some have missing dates, wrong signatures, dublicated withdrawals, and the id used was my TN id which was stollen.
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| 08/02/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
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- Managing an account
- Deposits or withdrawals
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Web |
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SunTrust bank Withholding information from me since XXXX XXXX when I reported fraud and suspicious activity on account under my ex put me on as a courtesy.
I have gone in person ( XXXX XXXX XXXX va XXXX regional Manager at the time & XXXX XXXX XXXX XXXX va in person to branch manager slender tall fellow. ) the branch manager stated to me after I told him someone had been transferring my monies out of my XXXX XXXX XXXX XXXX XXXX va accounts that I could get only! 300 approx out of SunTrust bank ) I have sent certified letters SunTrust corporate XXXX XXXX XXXX va Recently SSA finally sent and disclosed to me the direct deposit accounts that were fraudulently changed on my XXXX checks.
There were four changes made thru federal reserve bank to SunTrust bank. The routing numbers and account numbers are stated by the SSA letter from miss XXXX in the XXXX XXXX nc SSA office are attached in the attached pdf file And the numerous checking account numbers on file at the SSA administration SunTrust bank XXXX XXXX boss left me a message on my XXXX phone telling me XXXX XXXX would find out what happened. I returned the SunTrust banks calls and faxed them also. No response.
One of the accounts are still open I believe. as per XXXX she stated. Numerous accounts opened under XXXX XXXX XXXX XXXX XXXX with a atm card linked to them I have never had a SunTrust atm card period.
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| 12/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/2018 I noticed that an auto draft for my mortgage payment with XXXX XXXX had still went through on my checking account even though I had taken it off auto draft and made other arrangements to make my mortgage payment. I contacted Suntrust and they applied a stop payment and reversed the fees. However, on XX/XX/XXXX, I noticed that the charge had returned. This caused my account to go into overdraft and for me to not just have no money left in my account, but also to incur multiple overdraft fees. I was told I had to speak with employees at a branch and received virtually no help from them. By XX/XX/XXXX, I was told by the branch manager of the XXXX XXXX branch that Suntrust would rectify the problem in 10 days and until that time I will not have access to any of my money. This would include not being able to have any money through the XXXX and XXXX XXXX 's holidays. The branch manager I spoke with was extremely indignant, unprofessional, and didn't seem to have the slightest understanding of how to do her job. As of this writing, I have had to get a cash advance just to be able to pay my power bill. Suntrust has admitted several times it is their mistake and apologized. However, apologies don't put gas in my car, food on the table, or make sure my lights stay on. When it comes to actually being able to help me in some way ... ..Suntrust just doesn't care.
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| 12/17/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem when making payments
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Web |
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When i first got the loan, I signed up for autopay to receive a lower interest rate. My automatic payments come out on the XXXX of each month. This month ( XXXX ), the XXXX falls on a Thursday but I do not get paid until Friday the XXXX and I won't have enough funds to cover the payment coming out on the XXXX. I contacted XXXX via email on XX/XX/18 to ask them if they can move the autopay to the XXXX just for this month. They said they could not saying that once the loan is funded they are not able to make any changes. I replied on XX/XX/18 asking if I can temporarily cancel my autopay just for the month of XXXX without having my interest rate go up. They responded saying they are not able to make an adjustment to the autopay without affecting the interest rate and told me to call them for further assistance. I called XXXX on XX/XX/18 to explain my situation and they went on to confirm that they can't do anything about the autopay without the interest rate permanently going up.
I went to my bank that has the checking account the autopay comes out of and the cost to block the autopay is just about the same as receiving an overdraft fee. {$30.00} vs. {$35.00} but no guarantee it would work since the autopay is not a physical check.
I find it hard to believe that XXXX can't make a temporary change to a loan to help a customer avoid an overdraft fee. It's 1 day!
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| 08/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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SUNTRUST BANK UNLAWFULLY GAVE MY INFORMATION TO A PRIVATE CONTRACTOR WITHOUT MY CONSENT, I CALLED THE PRIVATE CONTRACTOR WHICH IS A FRAUD EXTORTIONIST AT PNONE NUMBER XXXX XXXX. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumer 's eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicant 's financial responsibility or status ; or
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| 05/31/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XX/XX/2019 SunTrust Bank froze my account and put all of the money XXXX {$2100.00} XXXX into review. On the XXXX of the same month the money was removed from the account by SunTrust. We have called the bank trying to get information on what is happening, the most we have been told is that the funds in the account are in review and wont be returned to us and that they are awaiting a request from the issuing institutions to reclaim the money. They wont tell me witch institution it is or what caused the suspicion that started the review and keep telling us that we will get a letter in the mail explaining the reasons. All we have received from them is a letter telling the same non-answers we've been getting over the phone and check that we received today, XX/XX/2019 in the amount of {$1.00}. All of the funds in the account came from either an IRA account that I cashed out or from my contract work with XXXX. I have spoken with XXXX XXXX and they no information and XXXX is almost impossible to get anyone with any forum of information, regardless neither of them has any information for me. This was every penny I had to my name in this account, I am about to lose my car and am having a hard making regular bill payment as work has slacked off and I only make $ XXXX/hr. at my little XXXX XXXX and all of credit cards are now maxed out from my attempts to stay afloat.
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| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Deposited 4 checks into checking account via ATM for XXXX each on XXXX XXXX funds were said to be made available on XXXX XXXX. However SunTrust sent a letter stating they were going to hold funds an additional 7 days at that time once it clears they will release the funds. On XXXX XXXX XXXX when I logged into online banking it was restricted I contacted customer service who advised me to visit a branch which I did the bank advised me they were needing to hold funds until they were validated from issuing party which could take an additional few days, those few days came and I tried again to logon to online banking which was still restricted. I reached out to customer service again who then stated they decided to close my account due to federal rules and regulations and that I would receive a check for the deposited funds in the checking/saving account. Once I received funds from SunTrust they were for XXXX and XXXX?? which were the cash deposits left on the account and not the XXXX funds made available from deposited checks that were credited to account on XXXX XXXX, XXXX and that they will not release hold for deposit until XXXX XXXX, XXXX that deposit will sit it bank vault until that time unless I have issuing party reclaim checks and reissue in which issuing party is stating that I need to obtain funds from SunTrust as they have already release payment
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| 08/03/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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I had used SunTrust for years, but when I moved to a new apartment they were unwilling to process the fund transfers needed to pay my rent. So I called in during XXXX and when I realized they wouldnt do it, I decided to switch the bulk of my banking to XXXX, who would. When I called in to cancel my other accounts ( credit card ), I asked the agent what was necessary to keep my checking account open without fees ( in case I needed to cash a check or deposit cash in person ). She told me I just needed to have {$100.00} deposited each month via direct deposit XXXX bucks ( {$50.00} keeps getting autocorrected ) biweekly into the account. Each month this would put {$50.00} into the account, and for two months each year it would be {$150.00}, thus meeting their requirements. Since then I have gotten two {$10.00} maintenance fees. During XXXX, everything played out as planned, but one XX/XX/XXXX I received a maintenance charge of {$10.00}. I called and had it reversed, assuming it was a mistake. My balance was actually higher in XXXX due to the {$50.00} deposits and other deposits from my HSA. The reversal was credited on the XXXX. I noticed that I received another XXXXdollar charge on XXXX XXXX ( sorry, {$10.00} keeps autocorrecting and deleting this ). Ive called and nobody at SunTrust can explain it or provide an answer on what would prevent this charge.
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| 02/28/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
Servicemember |
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I have my credit card through Suntrust Bank. My card was stolen and used on XX/XX/XXXX, along with a credit card I hold for my mother for emergencies. The fraudulent user charged {$11000.00} on my card in 4 separate transactions. Three {$3000.00} transactions and one {$2000.00} transaction at a XXXX in XXXX, NC where I was visiting family at the time. The charges on my moms card totaled {$8000.00} at the same location, but hers have been totally resolved.When I realized my cards were indeed lost and stolen on XX/XX/XXXX, I immediately cancelled my card and filed a fraud complaint as did my mom. My bank recently has said that they denied my claim and found me responsible because I participated in or benefited from three transactions. They refused to provided me with any evidence or the full investigative report to prove themselves. I am at a total loss. My credit history does not reflect this kind of spending and besides the fact that these charges were clearly FRAUD, no one from my bank notified me or called me to verify that these unusually high amounts were legitimate at the time the transactions happened. This is unfair and the stress of all of this has greatly affected me. I have since filed a police report and will hopefully be speaking to my case manager soon. I never thought I would have to prove that I am not a thief. Absolutely ridiculous.
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| 07/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Suntrust mortgage # XXXX shows every month being " OK '' and never delinquent. It subsequently shows that the loan was satisfied in XX/XX/XXXX. Never was a late payment shown. When you move to XXXX, however, it shows a 30 past due balance that is delinquent. There were 2 loans closed on XX/XX/XXXX, and I have the HUD contract to show this. However, the loan in question shows delinquent in XXXX. If that were the case why don't both loans show as delinquent? How is it possible to be delinquent on a closed loan that shows satisfied with never a payment missed. If this document provides me the means I will upload the HUD statement. I have disputed it repeatedly with the credit agencies, and I have only heard back from XXXX so far. They agree that the delinquency should not be on my credit, but they will do nothing to remove it. I need it to be removed from both Suntrust and all three credit reporting agencies : XXXX, XXXX, and XXXX.
I tried to get this information updated months ago, but instead of fixing the problem Suntrust then hit my wife 's credit report for the exact same thing. They weren't reporting it on her credit before even though we were both on the loan. Now it is hitting both of our credit reports when it should not. I suspect that when we closed the loan on XX/XX/XXXX that the person closed one loan and left the other loan as opened.
|
| 08/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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SunTrust stopped all debits on my account in XX/XX/XXXX ( stating that they are in the process of closing the account ). I was never notified that the account was in the process of being closed and they continue to accept direct deposits made on the account ( accepted another deposit XX/XX/XXXX ). It has been nearly a month and SunTrust is still holding more than {$16000.00} of my money stating that they are still in the " process ' of closing the account. They will not provide me with a reason for the closure of the account, they will not provide me with a reason they are holding my money and they will not provide me with a date that my funds will be released. They are not allowing any debits to process, so there is no reason for SunTrust to continue to hold my money. This has caused a major financial burden to my family in terms of buying food and paying bills. They have returned debits but are accepting the deposits made on the account. Had SunTrust notified me of the pending closure, I would have ceased any direct deposits to that account. SunTrust is still holding my money without providing me with a valid reason. I have been into the branch and have spoken to multiple individuals over the phone to no avail. I even attempted to close the account myself to see if that would release my funds, but I was informed that I can not close the account.
|
| 09/26/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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Since filing an initial complaint against SunTrust bank to CFPB, I have encountered another major problem with the same bank. After Suntrust closed my bank account on Monday, XXXX XXXX, 2015, I was scheduled to have my social security XXXX check direct deposited into the account and Suntrust is refusing to release my XXXX funds and any other funds I already had in my account. Since filing my original claim with CFPB, received a letter from the bank stating the checks they are investigating are being held until XXXX XXXX, 2015, it does not state the bank will hold any other funds. I have spoken with a few people at Suntrust who have tried to possibly help me but have said there is nothing they can do and I will not be able to make any withdrawals. No one involved in this investigation at the bank has contacted me, I did not receive any notification that my account would be closed nor am I able to speak with anyone in their fraud department. I have had this account around four years and never had an issue like this until I complained about not receiving credit for a transaction dispute and told them I would be closing my account at the end of the month. What I am going through I feel is financial retaliation. I desperately need help because Suntrust is not giving me any kind of timeline for releasing my social security money which is my only income.
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| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
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Web |
Servicemember |
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I went to the bank to close 3 accounts on XXXX-19 the customer service rep closed 2 accounts and I had to come back on XXXX-19 to close the last account as it had a deposit pending I came back on XXXX-19 at XXXX am and I was told the account was closed I left the bank with documents Stating the accounts were closed. I received an alert stating the last account was still open on XXXX-19 that means closing the account wasn't done and the documents I left with were useless paper. I went to the bank today XXXX-19 and spoke with the rep XXXX XXXX again and was told the account was not closed due to some issue. She was nasty and didn't want to talk to me about it so the other lady tried to explain that on the weekend the accounts don't close or something like it this is the banks mistake and I am not paying any overdrafts fees for nothing. I have also filed a complaint with the Consumer Financial Protection Bureau as this is a fraud on a customer of 10+ years. I informed all of our creditors 30 days in advance of a bank change and all of them acknowledge the change and if they didn't follow any of our changes then this is there fault, collect these charges on a CLOSED ACCOUNT ON THEM. We would not have closed the accounts the Suntrust accounts if they fixed the XXXX app it Never works needs to be downloaded daily Account Numbers are XXXX, and 2 others
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| 03/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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My checking and saving acct. Was frozen some time back .XX/XX/XXXX. I was dealing with i XXXX mother, then i later found out i have a terminal deasese so i was to busy to worry about the bank. When anything sttledown XX/XX/XXXX i call sun trust back the bank manger told me my acct was frozen, noone could do anything with the acct. Untill the issue was resolved. Had more bad new gave up try to get my money. XX/XX/XXXX looked into the matter again and was told the acct were closed. I didnt close the acct.s told the bank manger just he was rude and nasty syi g this has been some time why are u just now coming to dind your money. .. go very anger left the bank. Was told later by another bank that i should have reacied the money that was in the acct when they was closed. I had XXXX in checking. XXXX in saving. I have tried fpr many years to get answer, but feel bc i was smart enough to know what was going on someone took advage of me and kept my money. I would llike to know where my money went and who closed out the accts. Bc it wasnt me. Im been sick for 3 years can hardly get out my bed. But still want answer.the last chevk i wtote was to XXXX XXXX for XXXX chevk numbet XXXX. When i check to see if the check had clear i was in the negtive, when i called i was told the accts. Were frozen and so on. Noone has showed me prove of anything .just talking
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| 11/08/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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Suntrust BankOn XXXX the XXXX I did receive a phone call around XXXX or may be later from the bank, the lady said that they have stop a credit card charge to my account for over XXXX I did said to her that I did not purchase anything, she said card ending XXXX, I did replied that I do n't have the card for long time, she ask for my XXXX number and I did explain that I do not remember and I was driving home that as soon as I arrive I will call back, and I did, I visit on Monday the XXXX the Branch on XXXX XXXX FL , where I get the first document, I did call the branch to not paid the charges, I went back to the branch on XXXX XXXX XXXX on Saturday XXXX and I e-mail back and forward by e-mails. I contact them until I received the letter r that my claim was denied and that was not XXXX charge was XXXX charges over XXXX as I can probe to the documentation attached. They have declined my claim. I need your help to reopen the claim since that they have no provided me with any information. I am there customer for over 20 years an as a customer I deserve a better service and security on my accounts.
I did discover that there was XXXX active Debts card on my account under my name, and that is not a regular procedure on any bank. How there is possible that under a business XXXX person has XXXX card for over a period of time. There is not security at all.
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| 09/24/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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on XX/XX/2018 a deposit was made to the bank sun-trust for an amount of XXXX dollars. The bank place a hold on the check in the afternoon on XX/XX/2018 for the next seven days which was not reasonable until XX/XX/XXXX. Proof was provided to the bank on XX/XX/2018, indicating that the check was paid in the form of a verbal confirmation with their representative via phone and the drawn check bank and a copy of the paid documentation indicating withdrawal of the check face amount to sun-trust. SunTrust did not release the hold, charged overdraft fees and maintained their hold for unreasonable time after receiving proof that the payment was paid. The bank is not operating in accordance to compliance for handling checks they did not release any of the funds daily, charged fees for bills, did not indicate that their would be a hold. They release the check at first then mid day on XX/XX/2018 when a bill pay was due then place a hold on the check and then charged fees for not having the amount in the account for coverage of the bill pay. The paid the bill pay and charged several overdraft charges. They place a hold to then charge several overdraft charges from monthly ACH bill which come in monthly. The deposit of the check for XXXX is a monthly deposit to cover monthly ACH and bill pay charges which occur every month for the past two years bi-weekly.
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| 08/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I have a conventional, fixed-rate mortgage with SunTrust Mortgage. They have an escrow for my city/school taxes and homeowners insurance. When my homeowners policy was being paid for, SunTrust paid out the amount of the policy twice - one to the correct insurance company and one to the incorrect insurance company who I do n't have any business relationship with. I 've notified SunTrust of the mistake immediately on XXXX XXXX, they acknowledged that the payment should not have been issued twice, but since then I 'm not able to get the incorrectly issued payment refunded to my escrow account. Phone customer support is not helpful and makes continuous mistakes in handling my issue. Numerous times I was given promises of customer support to call me back, but was only called back twice. I 've escalated the case numerous times but as of XXXX XXXX there is still no refund. I 've asked to talk to the SunTrust Mortgage management, and was told that they would call me back - but they have not called back. I 've filed a complaint with the customer service in SunTrust, but they just closed the complaint form without contacting me and without any comments about the complaint resolution. The customer service that I 've received is terrible - SunTrust Mortgage paid out money from my escrow to a completely unrelated company but is not refunding me that money.
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| 07/05/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I have my system set up at Suntrust bank to send me text messages when my accounts get below a certain amount. This way, I can transfer money before XXXX and cover any shortage. This past month has been a joke. I never received a message that my account was overdrawn until the next morning, along with their customary {$38.00} overdraft fee.One was even for {$3.00} overdrawn. There were ACH payments as best I understand and do not show up as " Pending '' and are processed during the night, allowing a person NO time to react. The payments were rejected my account was charged overdrafts which really were not as they were not paid just rejected. Then 7 days later the same exact thing. It is outrageous that they can charge you {$38.00} for not paying something. It also does no good to set up a text message if you run an electronic transaction generated by a XXXX party during the night time hours, reject it electronically and not give you the opportunity to cover the shortage. The system they have set up is stacked against those that do not have large sums of money available to keep in various accounts. Electronic ACH transactions carry NO real cost to operate other than electricity, as the Computer systems are already a part of the business operations. So we are charged {$38.00} for an overdraft that never really occurs as the payment is rejected..
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| 05/03/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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On XX/XX/2019 I went into a SunTrust branch to open an Advantage Checking account. This was after I received targeted advertising on XXXX about a {$250.00} bonus for opening checking account and satisfying the requirements. I requested a code to my email and opened the checking account successfully with that code.
I was in the process of setting up my direct deposits to this account when I receieved an email from SunTrust offers saying " Thank you for your recent enrollment into the SunTrust Advantage Checking Offer XX/XX/2019. Based on our verification process, your account is not eligible to participate in this offer based on the reason below : To be eligible to participate in this promotion, clients must be U.S. Residents with a U.S. address and a valid U.S. taxpayer ID number. '' During the entire time in branch I was never told that the promotion does not apply to me although I do reside in U.S. with a valid address and possess a valid social security number. My status is a U.S. residents for tax purposes, having met the substantial presence test. I think SunTrust is pulling a bait and switch of sorts : luring foreigners with valid work authorization to open checking accounts with deceptive advertisements then denying the incentives afterwards. Now I am stuck with an account that I can not get out of and no bonus to soften my ordeal.
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| 01/03/2020 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a mortgage with Suntrust Mortgage.
My home was damaged by a flood and my insurance company issued the funds to repair my home. The funds were sent to Suntrust and they have been holding them in an escrow account. I have been contacting Suntrust on multiple occasions to request the funds be released to pay the contractors that have made the repairs. They tell me they need to have an inspector come to my unit before they can release the funds. They are holding {$80000.00} and have not released one penny. The work in my unit has been completed for months and the contractors are screaming at me to get paid. I have had to pay several out of my pocket because Suntrust keeps loosing paperwork, requesting unnecessary documents, and continues to stall payments. Now they tell me they need to send an inspector out to verify the work is completed. I requested the inspector on XX/XX/2019. I have called over a dozen times and emailed and they still haven't scheduled an inspection.
They tell me they have no idea what happened and keep apologizing to me and claim they will escalate the situation. This is ridiculous at this point. I have been waiting almost a month just to get a date for he inspection. In the meantime I have had to pay contractors out of my pocket to prevent liens on my unit. This is causing me a financial hardship. Please help!!
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| 10/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I sent them a certified mail letter stating To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest.
Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
This was sent on XX/XX/XXXX They responded by email the following Dear XXXX XXXX, We are not able to provide a written document with your signature as you did not sign any documents because the loan application was declined.
Please let us know if you have any further questions.
Thank you, XXXX LightStream, A Division of SunTrust Bank So why are they not taking this off of my credit I didnt apply for this
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| 12/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
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On XXXX/XXXX/XXXX an account was opened at a SunTrust Bank branch in Florida using my Social Security number and someone else 's name. I do not and have not ever had any accounts at SunTrust Bank.
XXXX monitoring service provided an alert prompting me to call the bank to determine the nature of the alert.
XXXX I called SunTrust bank noting that I had received an alert and that fraud was suspected. They opened a Fraud claim and they were unable to provide me with additional information other than I need to wait for an investigator to contact me. I was told I would be contacted in XXXX hours.
( After XXXX/XXXX/XXXX with all of the additional documentation and proof of identity that is needed to open a bank account, I do NOT understand how they could use my social and another name. Is there no validation of the social and name in any banking or federal database? ) XXXX called SunTrust bank again for follow up. Was told they are still waiting for the investigator and that I would be contacted in XXXX hours. They are unwilling and/or unable to provide me the contact information for an investigator or information to adequately protect my credit and identity. If the person committing the fraud is using my social security number, I should be provided the information/address of the account or relevant information to protect my interests
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| 11/02/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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Spoke with customer service rep XXXX XXXX as well as Fraud Supervisor XXXX XXXX on XX/XX/XXXX in reference to the release of my XXXX deposit made in XX/XX/XXXX. Went into XXXX branch location early XX/XX/XXXX spoke with branch manager who contacted fraud unit for release of funds who stated funds would be released as of XX/XX/XXXX that investigation of funds reclaim would be finalized and that if no party put claim on funds by that time they would be released. As of XX/XX/XXXX I have yet to receive my XXXX i was told today by XXXX XXXX that my i can call back XX/XX/XXXX to check status of investigation. My issue is they ( SunTrust ) has held my funds for over a year and still refuse to release my funds pending some bull investigation which they've had a year to complete. My account was in my name the checks deposited although multiply checks for same amount was from same company was also in my name, SunTrust even conversed with issuing company who also verified checks were issued to me and that they would not be reclaiming funds. So as of now and then SunTrust has illegally held onto my funds and refuse to release under the only valid reason is theyre waiting to see if my funds are reclaimed by Another party. Please help my hands are tied I have no other options available to get assistance in receiving help to get my funds released.
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| 02/24/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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A few months ago, I was advised that the web site for managing my Suntrust mortgage account ( https : //suntrustmortgage.customercarenet.com ) was being retired in favor of suntrust.com effective XX/XX/2019.
The " old '' site displays this message : Please enroll in Online Banking at suntrust.com to continue to manage your mortgage online.
You will need to create a new userID and password using your mortgage account number ( if you do not have it handy, you may log in below and locate it before leaving this site ).
When I try to log onto the new site, I get error messages indicating that my records can not be matched. I am advised to contact Suntrust by phone, but have never been able to reach a human being to help me with my issues.
I am now afraid that ( 1 ) my loan servicing will be continued electronically despite the change in parameters, and that ( 2 ) I will stop receiving important information, notifications about my account, and the ability to manage my account without a lot of effort in dealing with Suntrust 's failure to manage my records and transfer them correctly to their new system. If they can not do something as simple as linking my account information so that I can open an online account as they have instructed, I have no basis for believing that they are recording or applying my payments correctly, either.
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| 07/20/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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The rules of my check account require that I have a {$5000.00} balance in an attached savings account to avoid a checking fee of $ XXXX/month. For a reason I can't recall, I took some money out of the account causing a drop of about {$200.00} below the requirement. After a couple of months I realized the error and replaced enough money to go above $ 5k by a small amount. Because I did this in the middle of the term, another {$15.00} fee was assessed, dropping me below $ 5k slightly. I was not aware of this, and I was assessed {$15.00} for a few months more. After talking with my branch manager I got two fees returned ( {$30.00} ) but a few days later another fee was assessed. So I have been charged over {$100.00} in service fees at this point. I do not believe I have received {$100.00} in service, rather, this kind of process benefits the bank only. I realize that if I had made it a habit of looking at my monthly statement I would have discovered this sooner, but it is my intent to leave the attached savings alone. I don't know why I took funds from that account, but my complaint is that the band should notify a customer who is being charged a " fee '' in this situation. They have the ability to personalize any email and postal mail they wish in their advertising. This is a cash flow opportunity, not a service which benefits me.
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| 06/05/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with additional add-on products or services
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Web |
Older American |
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In XX/XX/XXXX after many attempts by XXXX XXXX branch manager XXXX XXXX and XXXX XXXX XXXX I agreed to move my business loan from XXXX XXXX XXXX too XXXX XXXX
XXXX XXXX XXXX made a business loan to XXXX XXXX ' XXXX XXXX XXXX in the amount of {$11000.00}. Secured by the property addressed XXXX XXXX XXXX, XXXX, Georgia and XXXX XXXX XXXX XXXX, Ga. 31201. Filed in the Superior Clerks Of XXXX County, Ga.
Book 1933 page 181. The same not was marked satisfied XX/XX/XXXX book 3267 page 10.
XXXX XXXX Of XXXX County original note filed in the Superior Clerks Of XXXX County, Ga. XX/XX/XXXX book 5427 page 269 in the amount {$170000.00}.
XXXX XXXX of XXXX County, XXXX, Ga was closed by the Georgia Department of Banking and Finance, and the FDIC was named Receiver.
All deposit accounts were transferred to XXXX XXXX and XXXX XXXX The banks name changed but the employees remain the same.
My loan is up to date with XXXX XXXX and has been paid on time every month.
The problem with XXXX XXXX formally XXXX XXXX is the beginning amount of the loan is more than the payoff amount made to XXXX XXXX XXXXk. The maximum amount borrowed from Trust Company Bank was {$110000.00}.
There was one renewal with SunTrust Bank and the balance on the renewal note was {$97000.00}. I never borrowed any additional money on this note.
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| 09/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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After Suntrust bank purchased our home loan, we found out that only the primary loan holder can have an online account with access to a mortgage that my partner and I share. She is listed as a co-borrower but we have equal ownership of the home.
This is an issue because both of us need to independently be able to access the account. We are equal borrowers on the loan and it is ridiculous that only one of us can create an account to access loan information online. Especially since we each were able to have login information prior to Suntrust purchasing our loan. I have called the Suntrust customer service number 6-7 times now from XX/XX/2018-XX/XX/2018 to file a complaint about their online banking system. On XX/XX/XXXX I was told that my case complaint had a Case ID of XXXX by a girl who listed her phone extention as XXXX. On XX/XX/XXXX I called back and no one could find record of that Case ID, which leads me to believe that a case complaint was never filed. When I asked a different representative to file a complaint they said they couldn't do so because it was Suntrust 's policy to only allow the primary loan holder access to the online account, even though, again, my girlfriend and I are equal owners of the loan.
I emailed their customer service team online about the issue on XX/XX/XXXX and still have not gotten a reply.
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| 10/23/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Fees or interest
- Problem with fees
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Web |
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Hello, I just learned from SunTrust customer service that they charge daily interest on overdraft amounts from deposit accounts and make it very difficult -- intentionally obviously -- to pay the amounts back so the usurious fees may continue being charged into perpetuity if all goes to the business plan. There is no way to pay the overdraft amount back without paying the entire balance of the credit card! This is predatory and just a way to generate unfair interest charges by making it very difficult to pay back the debt. I think the disclosure is also inadequate or unclear to consumers.
See the link here to the FAQ on how to set up a credit card overdraft feature. There is NO DISCLOSURE of the 26.99 % rate or the most important fact that it can not be paid back short of paying off the full balance of the card unrelated to any overdraft balance.
https : XXXX Can you help to require SunTrust to provide a way to pay ONLY the amount overdrafted and to stop the usury interest charges. I would note the bank will say they " have no way '' to divide the balance for payment, while at the same time they charge much higher interest for the separate balance!
These fees were most recently charged XX/XX/2019 to my personal credit card with SunTrust. The account is in my name.
Thank you for your attention to my concern.
Regards
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| 02/15/2017 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Need information about my balance/terms
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Web |
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I got a private student loan for my first and second year of college with Sun Trust Loans. my first year I took out XXXX with a fixed rate and my second I took out XXXX with a fixed rate. For my first loan I planned on paying the interest while in school. My payments started out pretty low and kept getting higher and higher when finally it got to {$370.00} in a month. This is something that I did not agree upon and was not in the payment plan in our contract. I kept calling and saying that I was in school and ca n't afford those payments and that was not agreed upon. After numerous calls and being late on payments, I am behind by 500 plus dollars. Finally I called again and a gentleman answered and had said that it was not on record that I was in school, so I was paying the payments that I should be paying when I am out of school. I have already payed them over 2,000 dollars in my second year of school. The man said that it would take 2 weeks to process, but I 'm still not sure if my payments will be lower. This has caused me fianancial stress and I have had to have XXXX jobs while being a XXXX XXXX XXXX. I had also a call by a debt collector and she made me give them my credit card number to make a XXXX dollar payment. Please I need advice or help to see if this is even okay for a loan company to do. Anything would help!
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| 08/26/2015 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I was an account holder at Suntrust when I applied for a secured credit card in hopes of improving my credit. I was turned down. About a year later I was completing a transaction inside the lobby with a teller when she informed me " XXXX XXXX, it says here that you are pre-approved for our secured credit card ''. I was very surprised since I was turned down a year ago. I expressed my doubts to her and to another associate who had joined in the conversation. They both said that I was pre-approved and that it would only take a couple minutes to reply. Against my better judgement I allowed them to submit the applic. Well, sure enough I received the rejection letter XXXX days later. I feel that Suntrust lied to me, betrayed me, and mislead me. So instead of helping me improve my credit, they have probably made things worse for me. I filed my complaint with Suntrust and was assured that someone would get back to me. No one did. I called a XXXX time about XXXX weeks later and was given a case # and was assured that someone would get back to me. No one did. I called a third time and the CSR was not interested in my case # and insisted that I provide her all sorts of personal info despite the fact that I no longer have an account with Suntrust. It is quite apparent that Suntrust has no intention of discussing the matter with me.
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| 03/19/2019 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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This is a personal credit card debt owed by my late husband in the amount of {$1900.00}. He was an XXXX XXXX XXXX veteran who was solely dependent on his XXXX XXXX. When he died on XXXX, XXXX, his XXXX benefit died with him. As his widow, I informed Suntrust of his death by phone and that my husband has no money to pay for it. I was told that I had to submit a copy of death certificate and have it faxed thru the local Suntrust Bank, which I complied sometime XX/XX/XXXX. Together with the death certificate was a copy of the document signed by the XXXX XXXX XXXX stating that my husband was not receiving any XXXX pension since he is only eligible for the health care program. After that I still received a SunTrust collection letter that I ignored since I was told by the SunTrust lady banker to ignore any more letters to collect since this is a personal debt involving only my husband and that I already submitted the proper documentations. Then just this afternoon, XX/XX/XXXX, I got a collection letter from XXXX XXXX , XXXX addressed to the Estate of my husband which he does not have. I am very much bothered with this because I myself as his widow am struggling to survive and can barely pay my bills on time. A copy of my response to this collection will be provided to you by postal mail. So I need your physical address, pls.
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| 06/26/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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|
Web |
Servicemember |
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SUNTRUST BANK has continued to fail in being able to manage the simplest of accounts.
I have explained and shown ALL supporting evidence to the local bank manager, and explained that I don't have a fax machine and have to pay for city parking as well as sacrifice half my day to constantly correct SUNTRUST BANK errors.
Now, they are requesting I fax " A sales receipt. '' for a transaction that NEVER happend with SUNTRUST.
SUNTRUST never paid the seller!
XXXX doesn't show the transactions!
SUNTRUST refused the charge THREE times and then keeps the money making me have to file a dispute.
I had to pay with another bank since SUNTRUST is incapable of being reliable on the basic level.
I can't fax " A copy of the original sales receipt ( s ) '' Proof of payment by other means ( receipt, copy of front and back of canceled check, copy of credit card statement with full account number ) Because that's not how this purchase works.
SUNTRUST stole the money.
XXXX shows no successful transaction because SUNTRUST refused the charges.
Yet SUNTRUST is trying to keep the money because that is what SUNTRUST does.
I've attached a screenshot of the successful transaction from my XXXX account.
Please note : the {$1.00} difference is from a " XXXX credit '' I used on another transaction, but the seller and dates are the same.
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| 02/06/2016 |
Yes |
- Bank account or service
- Checking account
|
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Web |
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On XXXX XXXX 2014 I received notice from SunTrust Bank that a check I received by mai for {$2500.00} had been returned and a deposit item return fee of {$12.00} would be charged to my account. I accepted the actions and fee assessed to the account and considered the issue closed and the {$2500.00} deposit would be reversed from my checking account balance. On XXXX XXXX I receive notice that SunTrust Bank had turned my account over to their fraud / XXXX department, closed my my checking and savings account, and submitted a fraud report to Early Warning Services ... XXXX in XXXX Arizona.
My issue with SunTrust Bank is their handling of the deposit and filing a fraud report on my account when they had initially placed the deposit on hold from XXXX XXXX XXXX of 2014 which should have been enough time to determine if the check could be processed or not, along with my contacting their customer service department via chat session to obtain the status of the deposit on hold and being told the funds would be deposited to my account the morning of XXXX XXXX 2014. During the time the deposit was on hold there were no transactions paid or withdrawals processed from the checking account and no loss was encountered by the bank and I have submitted documents along with this statement as proof of what actions were done by the bank.
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| 04/01/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I made a money order deposit at a SunTrust Bank at XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX. While making the deposit the ATM machine malfunctioned and went offline. I was unable to complete the deposit however the ATM kept the Money Order and only returned my card. I called a SunTrust rep that morning of XX/XX/XXXX informing them of the issue with the ATM. The rep told me I see the deposit of {$360.00} on my screen and you will get credit the following day at XXXX. I did not get the credit. I went to the bank branch and spoke with a rep there who told me I would have to wait a week until the ATM was opened and then I would get the credit for the deposit. The week of XX/XX/XXXX I received the credit of {$360.00} for the money order. On XX/XX/XXXX, nearly 6 weeks later SunTrust reversed the deposit resulting in {$180.00} dollars in check charges to my account. Total withdrawn was {$540.00}. I want my funds returned to my account immediately until this matter can be resolved by either the bank or the money order issuer tracing the money order. This will be difficult as I no longer have the receipt for the money order. I want to know why it took 6 weeks to say they could not find the deposit. This is a bank error and I should not have to suffer financially and be unable to meet my obligations for something they did.
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| 09/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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XX/XX/XXXX Overdraft Fee for XXXX XXXX ( {$5.00} ) {$36.00} XX/XX/XXXX Overdraft Fee for XXXX ( {$10.00} ) {$36.00} XX/XX/XXXX Extended Overdraft Fee {$36.00} Regarding the XX/XX/XXXX fees assessed. I had a balance of {$10.00}. When I was made aware I had overspent by a XXXX, I transferred a XXXX to the account from a payroll card provided to me by my employer. Due to the normal processing time, the transaction posted prior to my deposit. I reached out to Suntrust to reverse the fee as I would not be receiving a new deposit for a week and they refused. Because of this I was assessed 2 fees. One of which for extended Overdraft on account of the XXXX difference.
Most recently I had a transaction that settled in the morning preceding my deposit by a few hours. It posted to my account showing a current balance of {$5.00} remaining. However due to pending transactions that had not yet been processed affecting my available balance, Suntrust assessed an Overdraft Fee. I contacted them to reverse this fee and the rep and supervisor I spoke with informed me the fee is assessed based on the available balance not the current balance. I found this to not be sensible but was advised there was nothing more they could do but to cancel my overdraft protection which I authorized them to do. They would not refund the fee however.
|
| 01/07/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Monday XX/XX/XXXX, I received a message from Suntrust bank to contact them immediately concerning our savings account. I called them and was informed that there had been two fraudulent withdrawals from a Suntrust branch in the Washington DC area. One withdrawal was {$1000.00} and the other one was for {$2100.00}. The person who made the withdrawals had a fake drivers license with my information on it and Suntrust actually had the license in their possession. Over the next several days, I was told that Suntrust had put the money back into our account. I was contacted by the XXXX county Police Depart. In Maryland on Monday XX/XX/XXXX with a case number. The fraud actually took place in Maryland. I can't see the balance online because they have it locked. I went into the local Suntrust branch in XXXX, Ga on Monday XX/XX/XXXX to transfer some money from our savings account to our checking account and learned that the money has not been refunded back to us! The customer service representative called the fraud department and I was told I would be contacted in 24 to 48 hours. As of today on Mon. XX/XX/XXXX, I have not heard one word from them and the {$3100.00} still has not been refunded. It's now been six weeks. This is not acceptable. Please help me to hold Suntrust accountable and to return our money!
Thank you
|
| 01/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I was told if I opened an account that after I put in {$500.00} by a certain date I would receive {$100.00}, and after {$2000.00} I would receive another {$200.00}. I opened by account in XXXX. On XXXX XXXX I met the {$2000.00}. I was told I had 8 weeks before I would receive the money. I never received the money by XXXX XXXX. I went to the bank that I opened the account at and was told I met all requirements and should have the money by XXXX XXXX. After the XXXX I called sun trust complaints department and was told I had someone working my account. A couple days later I was called and told that I was supposed to open XXXX accounts to receive the money. This is not what I or my sister were told when we XXXX opened our accounts. I have another witness besides her that was in the office when i opened the account. We were never told that we had to open XXXX accounts. She has already gotten fed up with suntrust and closed her account, going back to XXXX XXXX XXXX. I now have XXXX complaints with the bank because it has been over two weeks since I have heard anything from the bank and over a month since I was supposed to receive the money. They act like they do n't even care. Even if there was suppose to be XXXX accounts opened, they should honor the {$200.00} they promised me. It was the the bank 's fault, not mine.
|
| 08/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
This is the XXXX Dispute that I have requested you to help me with for Sun Trust Bank. Well I received the XXXX Report and the XXXX report. I am beyond upset with these banks and how they just treat people. As stated on my previous dispute this bank told me a week later after I opened this account that they were closing it due to information that they had received from XXXX and that the account was no longer available to me. Now if you were closing the account why in the great love of XXXX continue to debit another account for the opening deposit. Way after they the fact that you stated that you were going to close the account. Each time that they did n't receive the money they charge me an overdraft fee and and NSF fees which overdrew the account. So they reported me to both XXXX and XXXX with these Contribution Reasons : An account closed and charged off by the contributor, in whole or in part via an automated process, where the contributor has recorded a loss and where the Contributor does not, or is not able to identify the closing of the accounts as due to fraud. Yes rattled my brain as well. I am so done. Now I received a phone on XXXX occassion 's this week from Sun Trust bank but they just left a message stating they were calling me due to the dispute report from CFPB nothing else happened. No resolution
|
| 12/26/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
On the first few days of XXXX I decided to transfer my mortgage to Sun Trust Banking, and I started the procedure. I was advised that one, XXXX XXXX XXXX, would be handling the new account for me. I made it clear that I would require that I maintain my own escrow, in the past I have met with many problems concerning the escrow. I was assured that I would continue to handle my own escrow. XXXX XXXX went on a XXXX vacation and told no one about what had transpired between him and I. I was told that XXXX XXXX would be handling the mortgage transfer, I was called by XXXX XXXX XXXX, XXXX XXXX XXXX, and none of the above people knew what XXXX XXXX was doing or had done!!! I got a call from XXXX XXXX {? } telling me that he would take over the account, I ca n't get a hold of him either. I spoke to a XXXX XXXX XXXX, he told me that he would handle the account and get to the bottom of this problem. I was promised that I would be able to handle my own escrow account, as I have in the past and I am at present. Now I am told that I may not be able to handle my own escrow, by law. I have had this problem of the escrow being handled terribly. I have had a total of six people trying to get this handled and so far, nothing. I am hoping XXXX XXXX XXXX can handle the problem and I turning to you to further expedite the process.
|
| 05/01/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have been locked out of my checking account with Suntrust bank for 2 weeks. After speaking with customer service, I was told it was locked due to a questionable check. I went into a branch and they told me it was turned over the the fraud department and told me it was a check for XXXX from XXXX, which was my daughters payroll check. She had deposited XXXX prior to this with no issues. My daughter contacted the payroll department at her work and they assured her the check was fine. They emailed a few days later and told her the check cleared on the XXXX of XXXX which was the day after she deposited it.
A Suntrust employee at the branch spoke very rudely to me and treated me as if I were in the wrong. She told me I had to just wait and see if Suntrust wanted to terminate the relationship they have with me. Meanwhile they would hold on to my money with no further explanation. When I asked why someone did n't call me or contact me when the check in question arose, she said she could n't speak to me about it any further and I would have to just wait to hear from them. I asked how long that would be, she said indefinitely. I asked by what means they would contact me and she stated it would be either by phone, email or regular XXXX. It has been 2 weeks and I have heard nothing and my account is still unobtainable.
|
| 03/24/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
I defaulted on a loan and the vehicle was repossessed. Suntrust bank sold it at auction then kept trying to collect the balance owed, approximately $ 20k. I couldnt pay the debt so after time it was turned over to several collections agencies. My husband passed away XX/XX/XXXX and I received a small insurance settlement. Several months after his passing, one of the collections agencies called and offered to settle the debt for $ XXXX. I was having a bad day and unfortunately agreed to settle. I gave them my bank account information and the funds were deducted and used to settle the debt. I never received anything in writing and the only proof of the settlement I have is from my credit report. Then, before filling my taxes for XX/XX/XXXX, I received a XXXX for the $ XXXX that was written off. No one from the collections agency told me this would happen. Had I known, I would not have settled the debt. In fact, about 6-7 months afterward, I ended up filling for bankruptcy. Had I not settled the debt, I could have included it in the bankruptcy and would not have had to include the settlement on my taxes. Since I never received anything from the collections agency, I dont even know how to contact them to complain, although I doubt it would make any difference even if I did. Is there anything that can now be done?
|
| 02/05/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Late XX/XX/2018 I set up bi-weekly payments with Suntrust Mortgage. I had purchased a home in XX/XX/2018 and the mortgage was sold to Suntrust right away. I have never made a late payment or missed a payment with any mortgage company in the last 30 years. I made my regular XX/XX/XXXX payment which posted to the account on XX/XX/XXXX. Then on the XXXX and again on the XXXX Suntrust deducted half my payment to start the bi-weekly payments on XX/XX/XXXX. The XX/XX/XXXX payment has not posted. The payments are sitting in a suspense account. I called 4 different times on 4 different days in a row to inquire about this, I was told the first 3 times it will post tomorrow. On XX/XX/XXXX I spoke with a rep who said she has to submit a special request to have the funds moved from suspense to my payment and it could take 7 business days putting me past the late fee period. She said since I didn't pay a full month in advance on my mortgage I don't qualify for the bi-weekly payments and I would have to call each month to have the money moved from suspense. Now it is becoming a problem to get the money they are holding applied to my XX/XX/XXXX payment and I don't have the funds to make an additional payment while they work this out. This feels like a very crooked process to charge late payments to unsuspecting consumers.
|
| 12/21/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
SunTrust has denied providing me with the underwriter 's approval and verification documents of our loan, among other documents of which I 've requested through XXXX previous CFPB complaints against them. We have now just received correspondence from them and their attorneys, XXXX of XXXX, GA, that our home has been placed with XXXX for foreclosure. This is their third attempt to exercise foreclosure based on a fraudulent loan obtained through predatory lending practices. Again, the loan type is a 10-year interest only ARM of which we entered in XXXX. This term was not clearly highlighted on the first page of the 82-page loan document, but was essentially masked several pages and paragraphs later ( which was finally pointed out to us in XXXX! ) In XXXX, we were not provided the document for review ( 3 ) business days prior to closing, as is now the law. This loan type and disclosure practices are now unlawful, yet they continue to harass us with their attempts to enforce the loan terms. They have refused full disclosure and transparency with regard to our loan, therefore, denying us the ability to effectively re-negotiate a fair loan agreement. At the very least, by refusing to disclose the underwriter 's verification and approval of the loan, SunTrust Mortgage is in violation of the Truth in Lending Act.
|
| 02/24/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
Older American |
|
This is a new complaint specifically on XXXX XXXX.
I opened Certificate of deposit # XXXX back in XXXX with SUNTRUST BANK. Original amount was {$32000.00} every year I renewed this CD automatically. Every year I received interest and I received the form to report interest income to the IRS. I am now XXXX years old in XXXX and XXXX I could not do any banking due to health reasons. I started to go back to Suntrust Bank, and when I asked for this CD I was told at the XXXX Branch that I did not have any CD I had others but not this. I kept banking at the XXXX XXXX branch. I approached the bank with this issue accompanied by family members who can attest and every time I was told there will be research and they will inform me. Nothing happened. Finally due to theft from bank employees in my other accounts I started to complain to the XXXX. and then to your office. Lately, I mailed all these forms to your office with copy to SunTrust Bank to the attention of XXXX XXXX XXXX. And as usual got NO answer. I called this morning and you did not get my mailing I have the receipt from the postal office to your XXXX. Please note all other CD inquiries have been addressed or partially addressed by SUNTRUST Bank. But there is no explanation about this CD. It is been many years with no answer. Please help with this issue.
|
| 09/21/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XX/XX/XXXX-XX/XX/2019 I requested a loan to purchase land on XX/XX/19. I knew i had good credit, good income, and over 40 percent of the downpayment ( more than necessary ). However, on XX/XX/2019 i get a decline notice. I was told to please wait 24 hours to view my decline letter. On XX/XX/2019 I get my decline letter and it states four reasons, I immediately knew that some of the listed items were incorrect, such as not having enough income, But i went ahead and ordered my XXXX credit report, the same agency they used to obtain my information. After obtaining my credit report, i see that my credit scire has only improved, that there arent any collections like they say i have, and that my seven credit cards are almost ar zero balance with only my care payment if XXXX a month. My oldest credit goes back 18 years, and most accounts average 8 years which. Additionally, my only other bill is rent of XXXX a month. I am a XXXX XXXX who makes XXXX or more a years. So I emailed them back saying their reasons make no sense ( all four if them ), but they emailed me twice saying just open your decline letter I feel that if they want to decline then do so on other basis, but their basis for declining me are incorrect. Also I dont want my scored lowered from them if they dont want to get this letter to be accurate.
|
| 04/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Have a mortgage through SunTrust. This mortgage is paid by a direct draw from my bank account.
XX/XX/XXXX to XXXX XXXX- I changed the bank account for draw. Was drawing from NC XXXX XXXX 's XXXX XXXX. Now using XXXX. This change took 3 phone calls totaling over 8 hours.
XXXX XXXX- SunTrust draws mortgage payments from both accounts. I am confused on timing of old and new draws, so I think this may be appropriate. XXXX draw XXXX for {$1400.00}, XXXX on XX/XX/XXXX for {$1500.00}.
XXXX XXXX- Email from SunTrust that NC XXXX account is to be charged {$1500.00} in XXXX. This is the old account. Call SunTrust today XXXX to clarify and stop withdrawal. They deny responsibility. Say there is no way old account is being taken from. Report they have no ability to review their emails to customers. They are unable to account for the withdrawal on XXXX and deny that it occurred. They demand that I provide " proof '' that they took my money, but are unable to identify what form of proof will be acceptable.
I have bank statements showing both withdrawals by SunTrust. I do not believe the email advising of the pending withdrawal is spam or phishing. It is identical to standard SunTrust emails sent in the past advising me of draws pending on my account.
I believe this is a large corporate bank committing fraud.
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX.
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home.
When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free.
Because of this we had to pay XXXX in penalties to finance our new home.
We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster.
We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented.
If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer.
The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.
|
| 07/21/2015 |
Yes |
- Debt collection
- Federal student loan
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
FOR THE PAST TWO MONTHS I HAVE BEEN CONTACTING XXXX SUNTRUST TO TRY TO GE THEIR HELP REMOVING A REPORTING FROM MY CREDIT BUREAUS THAT THEY ARE REPORTING TO. AND I HAVE BEEN TOLD BY SEVERAL EMPLOYEES TO JUST SEND OVER A COPY OF MY CREDIT REPORT AND A WRITTEN LETTER REQUESTING THE ACCOUNTS TO BE DELETED AND THEY WILL HAVE THEM REMOVED. THESE ACCOUNTS ARE ALREADY CLOSED AND HAVE BEEN FOR YEARS. AND I AM APPLYING FOR A HOME LOAN. IN ORDER TO GET APPROVED THESE ACCOUNTS NEED TO COME OFF. I HAVE DONE EVERYTHING THAT I CAN DO THAT SUNTRUST HAS ASKED ME TO AND THEY HAVE BROKEN THEIR PROMISE TO ME AND LIED TO ME BY TELLING ME IT WAS ALREADY REMOVED. WHEN I CALLED SUNTRUST TODAY AND SPOKE WITH XXXX EMPLOYEE ID XXXX. HE SAID THAT HE IS SORRY FOR THE MISUNDERSTANDING BUT HE WILL NOT BE HELPING ME REMOVE THIS FROM MY ACCOUNT ALL THOUGH I WAS PROMISED THAT IT WOULD BE REMOVED. BECAUSE HE DOESNT HAVE TO. AND IT IS THERE REGULATIONS TO KEEP IT THERE FOR 7 OR MORE YEARS. WHY HAVE I SPOKEN WITH SEVERAL EMPLOYEES AND NON OF THEM EXCEPT HIM KNOW THIS POLICY? AND WHY WAS I PROMISED IT WOULD BE COMPLEATLY DELETED AND NOW THEY ARE SAYING NO? AND THE FIRST COMPANY WAS CLOSED DOWN AND SUNTRUST TOOK OVER SO WHY ARE THEY STILL REPORTING IT TWICE? AND REFUSING TO STICK TO THEIR PROMISE TO ME TO DELETE IT FROM MY CREDIT HISTORY?
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Issue : Suntrust 's Unethical business practices and an unreasonable increase in monthly mortgage payment. The first increase was from {$750.00} to {$1000.00}, a difference of {$310.00}. After numerous discussions with Suntrust, the mortgage was adjusted to {$870.00} which is {$110.00} more than I started with during the course of one year. I have a tax assessment from XXXX XXXX Government, XXXX XXXX XXXX XXXX XXXX which states as of XXXX XXXX, XXXX. I was approved for XXXX XXXX Special Assessment of 4 % approval based on the % of ownership ( XXXX XXXX ).
I am currently billed at 6 % and have not received a refund payment for the 2 % difference. I paid the 6 % for one year. I was told by Suntrust Mortgage I had to wait until the tax bill was issued, and that bill was issued XXXX XXXX, XXXX. Each of the XXXX previous loan service providers who bought the mortgage note prior to Suntrust also refused to make any adjustments to the mortgage payment which would reflect 4 % state tax. Instead of a mortgage payment decrease there was an increase 4 months after Suntrust Mortgage became the servicing institution.
This increase has caused a severe hardship and emotional angst. I am a retired senior with XXXX source of income and may have to consider selling my home if I do n't get some financial relief.
|
| 06/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
XXXX was transferred into a SunTrust Account in XXXX XXXX, XXXX. on XX/XX/XXXX. When we realized this wire transfer had been fraudulant we immediately contacted the Sun Trust Fraud Department. They in turn put a fraud alert on the account. A recall was put in for the transfer and at XXXX on the XXXX XXXX XXXX the assistant mamager at that branch assured us all the money was still in account XXXX and a freeze had been put on the account. Someone later that morning allowed someone to walk in and withdraw {$4.00}, XXXX. SunTrust is refusing to refund this amount to us and will not turn over subpoenaed security tapes of the withdrawal to the XXXX XXXX police department citing client privacy rights. After meeting with XXXX XXXX, branch manager at XXXX XXXX XXXX XXXX in XXXX XXXX she confirmed proper protocol was not followed in checking ID and confirming business of XXXX XXXX XXXX with XXXX. She agreed they owed us this money. When we were contacted by XXXX XXXX from the Sun Trust Fraud Department. He said we should be happy to get anything back and to get a lawyer. We feel due diligence was not done when an account was opened a wire money of XXXX, XXXX was put in a withdrawal made and in less than 24 hours the account was closed. Something was not right here at Sun Trust and we are out the money.
|
| 10/10/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
SunTrust mortgage did willfully and wrongly violate the rights of the Service member and protected spouse after they had invoked SCRA protection. This violation of Federal law by SunTrust has caused irreparable financial harm to the couple.
Under the SERVICEMEMBERS CIVIL RELIEF ACT ( SCRA ) 50 U.S.C. App. 501-597b1 518. Exercise of rights under Act not to affect certain future financial transactions [ Sec. 108 ] Item 1, Item 3 and Item 5.
They have also violated FDIC Rules, FDIC Compliance Examination Manual XXXX XXXX Page V11.3, Adverse Action An adverse report relating to the creditworthiness of the servicemember by or to a consumer reporting agency ;.
SunTrust has reported to the three credit reporting agencies that for three consecutive months the mortgage payments were greater than 30 days late.
Both documents protect the Service member and covered spouse from adverse actions by the creditor. Filing a report of three consecutive late payments greater than 30 days sends a strong message to future creditors these individuals are horrible credit risk.
Attached is a brief from XXXX affirming the same, no adverse reports should be made while under SCRA protection.
It is also very coincidental that this adverse action was posted at the same time a written request was made to remove PMI.
|
| 06/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
OnXX/XX/XXXX, I opened a Money Market account at SunTrust Bank - Tradition office for the express purpose of receiving my life savings to the account. The account was created just for this purpose as directed by XXXX XXXX, the Branch Manager. OnXX/XX/XXXX, I had my life savings of {$270000.00} wired to my SunTrust Money Market Account. On XX/XX/XXXX, SunTrust put a hold on the domestic wire and then closed all my accounts onXX/XX/XXXXwithout explanation. Closing Checks were printed for my accounts with the exception of the {$270000.00} which SunTrust has kept from me. I have tried contacting SunTrust on seven different occasions and get different stories. Today, XX/XX/XXXX I was told that my funds are being held and no further information is available for release to myself. My funds have been stolen by SunTrust - and I want my money returned to me by XXXX this Friday, XX/XX/XXXX ; before I go to the media live at XXXX to tell my story and warn others away from SunTrust. SunTrust does not return calls/communications, not even XXXX XXXX herself. I just want my life savings that have been unjustly and illegally stolen by SunTrust! The domestic wire was from the law firm handling my needs and taxes have already been paid on it all as the funds were accrued over the years of owning XXXX XXXX XXXX
|
| 08/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a few accounts with SunTrust Bank. On or around XXXX XXXX, 2015, I was notified that they will be closing my accounts, and that I should be receiving a check for the balance within 30 days. They put my accounts in a no debit status and I had no access to my funds. I called them repeatedly, and they told me the fraud department was the one handling it, but that they do n't speak with the public. Fast forward 30 days later, and still no check is received. When I call, they tell me that it 's still under review, and the account is still not closed. In the most recent conversation I had with one of their customer care supervisors, XXXX, she told me that the fraud department told her they do n't have a turn around time and that I could have access to my funds if I went into a branch and spoke to a branch manager. I was told this while they knew that the nearest branch to me was 3 hours away. I called the branch manager this morning and she said that there is no way for me to access the funds until the fraud department sends a check. She also said that they did not start reviewing the case until XXXX XXXX, about 2-3 weeks after they had frozen my account. This is ridiculous and this bank should not be able to legally do hold my money for as long as they have. It 's like one big ponzi scheme.
|
| 10/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
In XX/XX/XXXX, I had a flat tire and drove up to a gas station to get air in my tire. I used my SunTrust debit card to pay {$1.00} for the air. After swiping I waited for the air pump to work and it never did after I waited for over 5 minutes then I swiped it again and still nothing. I noticed the next day when I checked my SunTrust account that my account was overdrawn by {$75.00} which was an unauthorized transaction made on my debit card. I contacted SunTrust Bank the same day to advise them that the {$75.00} charge was nothing that I had done, this was an unauthorized charge and I began the dispute process with SunTrust Bank immediately. I have completed every step SunTrust has requested in trying to resolve this matter and get my money back to no avail. In the process of this dispute period SunTrust left my account in the negative and closed it as if I had done something wrong, never giving me an answer as to why my money was'nt given back and why the account was closed as well as asking me to pay the negative to bring the account current when I did not overdraw the account. This was fraud and I am being treated as though I am the criminal. Lastly, they have placed this fraudulent negative balance on my credit report. Please help me get this situation resolved and corrected.
Thank you
|
| 12/18/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had a real good friend who has a checking account with SUNTRUST BANK in XXXX, Ga. He put me on his checking account in XX/XX/2008 after he had a real bad scare that he might die, instead he lost his right leg. He did this so that I could take care of his bills in case he couldnt. On or about XX/XX/2018 he had a massive XXXX and was found by his EX DAUGHTER-IN-LAW and sent by ambulance to the emergency room. That left her with his keys to everything hes got, his wallet, identification and his ATM CARD without a pin number, she then took the ATM CARD and used it as a CREDIT CARD with no pin and charged over {$3000.00}. He then went to a nursing home for rehabilitation on XX/XX/2018. In the meantime I was trying to get in touch with him on the phone because we talked every week at least one maybe more. When I could not get him I called his grandson that was staying with him, the grandson told me a great big lie. So I kept trying to get my friend on the phone finally call me form the nursing home to tell me where he was at. He was took back to the EMERGENCY ROOM on XX/XX/2018 where he was put on a ventilator and couldnt communicate with anyone till his death on XX/XX/2018. I have documentation from the Sheriffs Department and the District Attorney Office that this is Transaction Card Fraud.
|
| 08/25/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Due to financial difficulties XX/XX/XXXX and XX/XX/XXXX, we applied for a modification to our mortgage loan with SunTrust. We went through the rigorous paperwork several times as the modification was denied several times unless " we sent more information ''. Through it all, I was assured more than once that the property would not go to foreclosure as we were in constant contact. Finally, we gave up and sold our home. SunTrust was paid immediately all back payments, fees and interest. SunTrust was notified almost daily of the progress on the house sale. THE PROPERTY DID NOT GO INTO FORECLOSURE! There is a comment on my credit report that says " Paid Foreclosure '' which is completely UNTRUE. Total misrepresentation and defamation of character - and it will show for 7 years?? This is completely unacceptable! Why would a large mortgage company ( owned by XXXX XXXX XXXX by the way XXXX take the time to publish this blatant lie particularly after we did our very best to save our home. And then did the right thing and sold it so they could get all their monies! They got all their money - why cause us more misery after the year of agony trying to keep our home. I have made it a point to repeat this story to friends and associates so as to protect them from SunTrust!! And I will continue to do so.
|
| 11/05/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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SUNTRUST : Fraud Case XXXX ; XXXX Case # XXXX ; SunTrust Case : XXXX ; XXXX Ref # XXXX This is an open Fraud Case against SunTrust, a bank that knowingly cleared a fraudulent check into my checking account.
I have submit a complaint before regarding this issue and SunTrust is well aware of their representatives admitting to clearing the fraudulent check on recorded calls. I started off by speaking with XXXX XXXX, their so-called Fraud Specialist, that did not even care to see the documents nor the case number filed with the XXXX Sheriff 's Department.
Next were several " Recovery Agents '' that finally submit my complaints to VP of Recovery, XXXX XXXX ( XXXX ). XXXX XXXX stated she would review all calls and pretended to understand my disgust with a bank that knowingly cleared a fraudulent check and then took a child support payment and refused to return it despite the legal investigations underway.
The investigations are still underway since it the fraudulent funds were cleared over state lines and I have received a notice from an ill-advised Debt Collection AgencyXXXX XXXX # XXXX regarding the debt that SunTrust is responsible for clearing.
I will also submit a separate complaint against XXXX since they apparently feel it is acceptable to harass consumers that have been cheated.
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| 01/04/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
Older American |
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On XX/XX/XXXX, I contacted SunTrust Bank ( VA XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ) XXXX XXXX. I asked the bank to cancel my OverDraft Protection because I wasn't notified over the phone when I signed up for it that if your account is XXXX the bank will charge you XXXX for not have money in your account although there was NO bounced check? Then the bank bounced a check for XXXX from XXXX XXXX. Which is a company I have never ever heard of which cost me nearly XXXX. I asked the bank to cancel this company because I've never provided my bank card to XXXX XXXX and have no idea how they used my bank check card to pay for this service. SunTrust filed to case ( s ) XXXX for XXXX in XXXX, XXXX and Case XXXX for XX/XX/XXXX for XXXX. SunTrust said they can not reimburse for all the transactions unless I know when the money was taken? I attempted to change my OverDraft Protection to NO from my online SunTrust account but each time it resets itself back to YES. So I asked the Clerk over the phone to cancel the OVERDRAFT PROTECTION and she said that she was unable to do so.
Please help me. I really would appreciate any help you can advise as you have in the past provided me with EXCELLENT Service. So I am calling upon you again for your assistance as my requests are falling on deaf ears again.
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| 05/10/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On X/XX/17, there was a check fraud deposit from XXXX XXXX XXXX XXXX against a joint account that my XXXX daughter uses in her name only of {$5900.00}. It took Suntrust bank 4 days to realize that was a stolen check. There were multiple withdraws the next day of {$1700.00}, {$2500.00}, {$500.00}, and {$450.00}. Instead of just closing my XXXX daughter account and trying to get money back from her, Suntrust took {$5400.00} out of my savings and came after my son 's account as well and closed all accounts and left multiple overdraft charges in two of the 4 accounts that my son and I had left. When trying to contact there fraud or claim department they were very unwilling trying not to provide any information on who, what, when, and where these transactions took place. Also I just received a letter on the XX/XX/XXXX that was dated on X/XX/17 stating that the accounts are closed. When talking to them this past Friday, I stated that I had a police report and I wanted to give them the number, fraud department stated that the case was closed and if I wanted to reopen the case that I had to send a letter stating just that with the police report number. Suntrust made me feel as if I was the criminal when trying to get down to the bottom of the issue. I was blown off on several ocassions by them.
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| 02/04/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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XXXX XXXX XXXX made a fraudulent debit charge to my account on XX/XX/2020. They did not process the online order because they immediately reported that the order was cancelled and never processed. XXXX XXXX XXXX acknowledged that they never processed the order. But they immediately charged my Suntrust account for the amount of the order. The charge showed up as a pending charge in my Suntrust checking account as a debit at XXXX on XXXX. Multiple phone calls to XXXX XXXX XXXX over the next 5 days and they could not even verify that they charged my account and XXXX and supervisor XXXX admitted that they did not know if or when the pending charge would fall off of my account but told me to call back on XXXX. Contacted Suntrust because XXXX & XXXX didnt know when or if the error would ever be corrected, and I was left in limbo because if the charge cant be found at XXXX XXXX XXXX, they cant correct it and suntrust will leave the charge pending on my account. Suntrust said that the charge was debited from my account and then debited that same day, XXXX. They know the charge was in error, but would not release the pending funds back to my account. Holding the funds for indefinite period so that they collect interest on the funds. They do this illegally on millions of accounts, fraudulently
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| 03/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I was a victim of identity theft in XX/XX/2017 in which someone stole person information, filed my taxes and began opening and attempting to open several fraudulent accounts in my name. I have been working with local law enforcement, the three credit reporting agencies and the account lenders.
In sending in copies of police reports, federal trade commission reports, proof of my ID as the rightful owner and other supporting documents, over the past two years I have obtained little to no success in trying to successfully remove these accounts from my credit report. I have in writing, on several occasions asked that the lenders send me proof of whatever SIGNED documents that have confirming that these accounts were opened by " me '' and they have not responded or sent me copies of these documents per my request. When I speak with the credit reporting agencies, they simply state that the debts were verified by the lenders but CAN NOT either provide me with the requested documents to corroborate their investigations.
I have been denied job opportunities, other loans, and even bank accounts due to these accounts and at this point I want results. I want in writing whatever documents they have that were alleged signed by me and want these fraudulent accounts removed from my credit reports.
|
| 03/09/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American |
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On XX/XX/XXXX entered agreement with XXXX XXXX XXXX XXXX XXXX XXXX install new A/C and heating. We financed through them {$8400.00} for 48 months no interest, through XXXX. In XX/XX/XXXX installation took place. XXXX sent written billing requesting {$170.00} per month. We paid the {$170.00}, but paid 2-3 extra payments and set auto payments of {$170.00} thereafter. XXXX unilaterally changed the term of the agreement by adding terms not agreed upon -- 1 ) monthly payments ( agreement payoff total within 48 months no interest ) ; 2 ) if additional payments made they still demanded monthly payments ; 3 ) and if {$170.00} was not paid each month then a late charge is being imposed. At least 3 phone calls were made to XXXX and email with a copy of the XXXX agreement, but they refused to follow the agreement, sending their own unilateral agreement which was never agreed too or signed. A letter was sent XX/XX/XXXX setting out our position, advising of the dispute and our previously having provided the signed agreement with XXXX, asking for clarification on how they wished to proceed. No written response or communication via email as requested. They make unwanted calls just about weekly to my wife, XXXX. They are harassing and annoying, and send demands for payment, including later charges.
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| 12/17/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Older American |
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In XX/XX/XXXX I obtained a mortgage from Suntrust. The loan balance to home value in XX/XX/XXXX has reached 78 % as of XX/XX/XXXX ( XX/XX/XXXX payment ). My understanding is that the PMI would automatically be dropped. It was not as of my XX/XX/XXXX bill. I made a request to confirm PMI removal in XX/XX/XXXX.. Never got a response.I called Customer 'Service ' and was told that if I made any additional principal payments it would change the date PMI could be dropped THEN I was told that XXXX XXXX would still require an appraisal before they would allow PMI to be dropped. It seems to me that it is not 'automatic ' first if I must make a written request and then that XXXX XXXX would require an appraisal ... ... ... ... ... .exactly what is " automatic '' about that? I have no documentation as to who exactly is requiring the appraisal ( or anything else about how XXXX XXXX will receive the information and what exactly they do when they have it including time frame ) I only have the comment from the customer service rep. I do not know what the legal requirements are or where to find them. I do not want to go on paying almost {$60.00} per month if I do not have to and am really disgusted with the lack of clear and timely information in writing ... ... ... .what is really legally required?
|
| 10/16/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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|
Web |
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On XX/XX/2018, I opened 2 business checking accts at Suntrust Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I requested to deposit XXXX dollars into the first acct and XXXX dollars into the second acct.
Branch mgr. XXXX XXXX erroneously deposit the amounts into the wrong accts, with XXXX going into XXXX and XXXX into XXXX. I then wrote one check and two ACH transactions on the acct ending in XXXX, which, if not for the bank error, would've been covered.
As a result, we have so far incurred two NSF fees in error, including one on a XXXX dollar check written to a XXXX XXXX, who deposited the check into her XXXX XXXX acct, causing fees in her acct as well.
I learned of the error today, XX/XX/18, when entering the branch. Banker XXXX XXXX said she was unable to move the money to reverse the issue, unable to reverse fees, unable to let me withdraw funds or even close the accts. because the accts. had all been flagged for fraud, again, due to the bank errors.
This is causing major problems for me, my business, my nonprofit, and Ms. XXXX. I had offered to meet her with a cashier 's check, but now Suntrust is holding all our funds.
I left a voicemail for district mgr. Asst, XXXX XXXX, have not yet received reply.
I asked to speak with Fraud dept, but they will not let me.
|
| 09/09/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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|
|
Web |
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I have sent two request to SunTrust my loan origination bank. The first request to the CEO which was more of an informative request. The second request for information followed the RESPA mandate for QWR OR RFI, SunTrust chose to respond to the CEO letter and did not follow the guidelines of acknowleding my QWR/RFI within the stated timeframes. Further more SunTrust is denying my right to what they reflect as the loan origination documents prepared by former SunTrust broker for my loan. SUNTRUST states my request should go to my servicer. My Servicer sends copies of documents that never address what I need. The unanswered question is why neither SunTrust or XXXX wants to provide what they now have as the originational loan documents prepared by the broker and what was used to qualify me for the mortgage. SunTrust prepared a response to me based on my letters and conversations with them. The copies of the documents I they have will help in bring this complaint to a close.
This is a repeated request for information regarding the original loan documents, file. Not limited to the application, credit report, approval notice, amount approved for type of loan, request for personal references, job letter, pay stubs verifying income. All supporting documents used to qualify me for the loan.
|
| 08/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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|
Web |
Older American |
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We contracted with a local XXXX company to provide a mortgage for a new home until our current home was sold.
XXXX XXXX, 2014 : XXXX Mortgage sold the mortgage to SunTrust. We paid on time every month ; no delinquencies.
XXXX XXXX : I requested payoff figures for the loan by phone and senta check for the quoted amount via USPS Next Day delivery.
XXXX XXXX : I received a letter from SunTrust confirming the payoff amount, covering the period until XXXX XXXX. This matched the funds I sent XXXX XXXX.
XXXX XXXX : I received the USPS confirmation, signed XXXX XXXX in XXXX, VA.
I checked my bank and check XXXX had not cleared, so I contacted SunMortgage by phone and they refused to acknowledge they had received the check. I first tried to use the " secure email '' service on their website but it did not work ; I tried XXXX different browsers.
XXXX XXXX : my check XXXX cleared my bank.
XXXX XXXX : I received mail from SunTrust saying I owed them additionalinterest and recording fees. I called XXXX for clarification. They told me Ihad not used " guaranteed funds '' so they only applied my check to the principal.
They obviously cashed the check without a problem, 13 days after they received it.
I do n't understand how I can be responsible for their bad management ofreceived funds.
|
| 07/01/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I was traveling to XXXX from XXXX. Upon returning home I saw that my checking account was {$12000.00} short due to XXXX transfers out of my account ( XXXX for {$7000.00} and XXXX for {$5000.00} ). I did not authorize the transfers and immediately contacted my bank, Sun Trust. They opened a fraud investigation, I signed paperwork, and they stated that I should have the funds replaced within 10 days. Two weeks later I checked my account. The {$5000.00} was replaced but the {$7000.00} was still missing. I went to the branch. They said the {$7000.00} had been put in the account but was transferred out again, another case of fraud. Said they would expedite and I should receive the funds within 24 - 48 hours. After another week I check again and still no {$7000.00}. Now it has been over 20 days since funds were fraudulently taken from my account. Go into the branch and representative calls the fraud department who says they have to open a new fraud case and it will be another 10 days before the money is put in my account. Assuming it gets done again, and the money is n't immediately stolen ( why ca n't they put a flag on the account and not allow any debits?? ), it will be over 30 days that the {$7000.00} has been gone. i have attempted to escalate this but get no where. Please help.
|
| 10/08/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Money was not available when promised
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|
Web |
Older American |
|
I have had an account with suntrust bank at XXXX XXXX XXXX florida for 15 years, I am XXXX and I bought a house in XXXX, i have never been in debt, and for the last 10 years, due to the financial problems of XXXX my house has been rented out, i have never had any interest on my savings, so whenever the rental proceeds amounted to a few thousand dollars, I would wire transfer this amount through an American dollar account with : foreign currency direct : they would then pay it into my euro bank acc here in XXXX where I have retired.To do this I had a WTS number and passcode so that when I rang them the money would be transferred to my XXXX acc, this passcode was automatically renewed every 2 years in XXXX, it wasn't sent last XXXX, and for the last 12 months I have repeatedly emailed, phoned, [ at great expense being put on hold for 55 mins of a 75 min call costing over {$100.00} ] wrote to them, they are not taking my calls and not answering my emails, I don't know why, its a very simple request, my supposed contact person at XXXX XXXX is XXXX XXXX, ive waited another 8 days after I was told to email her by XXXX XXXX at XXXX XXXX XXXX XXXX I have also tried ringing her several times but I just get voicemail, I don't know what else to do, I hope you can help me, XXXX thank you
|
| 12/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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|
Web |
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This is a follow up to Complaint ID No : XXXX. I made a complaint about SunTrust bank and the unduly charging of fees. Part of this complaint was also that I requested that my account be closed as I wanted no further dealings with this bank. The request was made written and verbally on XX/XX/2017. The bank immediately closed my savings account however to date, are refusing to close the checking account. They are stating that there is a balance owed. I agreed and requested that they close the account and send an invoice for payment for the balance owed. I would in turn make payment on that balance within 5 business days. The bank has refused to close the account. I was told that the account would be locked from activity. This also did not happen. They have allowed transactions on this account in an effort to again extort fees. I was told by one representative that if the account was closed that it would be sent to collections. I advised them to do exactly that and I would pay the invoice sent by collections company. This has not happened. I absolutely refuse to do business with SunTrust and I have told them this on the many occasions that I have requested that this account be closed. I am now reaching out in an effort to get this account closed so that all ties can be severed!
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| 04/20/2016 |
Yes |
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- Loan servicing, payments, escrow account
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|
Web |
Older American |
|
SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.
|
| 07/26/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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|
|
Web |
Older American |
|
On or about XX/XX/2018, I paid my monthly bill through Suntrust Bank, acct # XXXX. My rental check of {$1500.00} that I requested was never sent to my rental agent, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX ; therefore, XXXX XXXX XXXX began a small claim ( approximately {$220.00} ) against me for none payment of rent for XXXX. I had asked for the check to be mailed by XX/XX/2018. After the XXXX county sheriff put a summons on my door XX/XX/2018, I paid XXXX XXXX XXXX {$1800.00} ( rent plus the cost of court. ) On or about XX/XX/2018, XXXX XXXX XXXX sent me my lost check. The company said a XXXX XXXX found the check included in his accounts receivables. He then took it upon himself to deliver the check to the intended company.
The company that Suntrust uses for Billpay is actually unknown to me, and they won't divulge the name. I believe the company is XXXX, located in Florida. .1. I made a claim for the Billpay company to refund my {$220.00} ; they never replied to me ; however they wrote in my file that I supplied them with an incorrect mailing address for XXXX XXXX XXXX. That accusation is incorrect. That company had paid to that same address for the three previous months without any incident. 2. The Billpay company owes me a written response.
|
| 11/29/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
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Web |
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My employer issued my wages on a business check with funds held at Suntrust Bank.
I presented the check ( instrument of commerce ) to the Teller at Suntrust Bank.
They stated that " internal policy '' was that NONE of the THREE ( 3 ) separate forms of Government Issued I.D . 's were " acceptable '' to them to exchange the check for cash ( FRN 's ) Their POLICY violates LAW under the Uniform Commercial Codes - as well as Rules that the Federal Reserve standards for banking. Furthermore - they wanted to charge ME a " fee '' for being a NON DEPOSITOR of their institution. Their branch manager REFUSED to provide me a copy of their Policy, cite any Legal Authority, provide the name of their legal counsel, and stated that I could call their XXXX # to file a complaint with Suntrust. Suntrust is n't operating their Federal Reserve branch offices UNDER THE LAW - or Under Federal Reserve 's Rules - WHO INVESTIGATES CONSUMER 'S COMPLAINTS? I am a SS # AccountHolder Attached to a LEGALNAME - Registered to Operate In Commerce - but - acting as the Agent of my employer in Presentment of the Bill of Exchange - NONE of MY LAST XXXX complaints I 've filed with this " CFPB '' have resulted in any remedy at law - therefore why SHOULD N'T we just shut this " government agency '' DOWN?
|
| 05/16/2015 |
Yes |
- Debt collection
- Credit card
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Older American |
|
XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.
|
| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
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My husband and I applied for a mortgage with Suntrust because they have been our bank for 13 years. Their customer service is horrible I am crying for the 5th time as I am writing this complaint. The website lies about how they will service you.
1. They do not call or email us giving us an update.
2. Every time we call them we get a voicemail only to be ignored.
3. I called the customer service line who said the manager was on the other line and would call me right back, and I 'm still waiting.
4. We lost money on moving trucks, and we are now in danger of having to move the settlement date up on our home we are selling.
5. My and my husbands employers are upset with us for changing our days off 3x.
6. It 's as if they do n't care about anyone and do everything in their power to make a happy life event as stressful and aggravating as possible.
I understand they make good money in the stock market but not so much on Mortgages, so why, then, do n't they just get out of the mortgage business altogether instead of pretending they want to give you a mortgage and at the end, hope they aggravate you so much that you just want to pull out? I wish so bad I chose a different lender, it 's like they know they got you and do n't care. Please help I ca n't stop crying!
|
| 11/05/2015 |
Yes |
|
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|
Web |
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SunTrust Bank offered me a XXXX to replace the bank card that doubled as a credit card, I agreed to accept it. They also offer convenience checks monthly. I needed to use one with the understanding that it was interest free for 18 months. Starting in XXXX, I was charged interest. When I called, I was told that because the credit card was no longer interest free, the amount of the convenience check and whatever charges I had would be combined and I would be charged at the rate of the credit card. I stopped using the card and was still charged interest.
What I learned today is that my monthly payments were allocated toward paying off the convenience check, that carried no interest, instead of the credit card charges which of course carried interest. I was never given a choice on how to allocate my payments. It is my understanding that consumers should at least be told when this is happening. Instead, the representative explained that it 's buried somewhere in the credit card agreement that I agreed to let SunTrust make that choice for me.
I pay my credit cards in full every month. I have been charged a fee to use the convenience check, and then charged interest every month. This appears to be deceptive at best. And SunTrust is unwilling to make any adjustments.
|
| 07/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
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During a recent approval process for a mortgage from a Colorado lender, a credit report revealed that SunTrust listed a XX/XX/XXXX former mortgage, unrelated to me of which I will explain, as " Foreclosed. " This home was clearly awarded in a divorce settlement ( court document provided and highlighted ) XX/XX/XXXX where former spouse was to " ... receive sole and exclusive ownership ... '' would be " responsible for the monthly payment of the mortgage, the home equity line, taxes, and all other debt associated ... '' and " holds the Husband harmless from any liability associated.. '' Furthermore, a Quit Claim Deed ( document provided ) was signed to former spouse XX/XX/XXXX.
Not only do these documents absolve me but most convincing is a letter ( document [ s ] provided ) dated XX/XX/XXXX " pleased '' to reference the loan " paid-in-full '' by SunTrust 's Lien Release Department accompanied by the Payoff Department 's notarized Release of Mortgage document.
Despite these clear documents SunTrust states in a letter today that " we determined the account is being reported accurately to the consumer reporting agencies and will continue to be reported in the current manner. This is preventing me from acquiring a mortgage loan and is willfully wrong. Please help.
|
| 01/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
A creditor submitted a redraw of {>= $1,000,000} to my personal bank account of which I did not authorize, did not know about and caused the account to be frozen by the bank. As a result, I have no means of taking care of my family, even buying food and household items needed for them. I can not pay my mortgage or buy gas to take children to school or go to work.
The background reason is that this amount is from a debt. I borrowed XXXX XXXX to open a restaurant that failed. While I am the guarantor for the loan, this amount and other debt from other businesses are all being included in a bankruptcy. With the bankruptcy, the Suntrust bank where I have my personal checking should not have posted the amount submitted by the creditor and should have at least called or written me to verify. I would have informed the bank that I am in bankruptcy and that the account should not be frozen.
As I understand, when in bankruptcy, all debt collection should stop until the Court decides on all debt. So I do not understand why my bank will allow this.
When I called the bank, no information would be given to me except to call a phone number. When I called the phone number it went to a place that sounded like a law firm or debt collection business but no one answered me.
|
| 07/17/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
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I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.
|
| 02/03/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XX/XX/2015 Suntrust Bank in XXXX notified me that they had placed a new insurance policy on my home for something like {$16000.00} a year! I was shocked and scared. They said my insurance policy had expired. I knew this was not true and had to get with my insurance agent to work this out with them. My insurance agent documented to them my policy had been transferred but NOT cancelled. At no time did I not have insurance. Suntrust agreed and took the forced lender policy off my house. HOWEVER, last week I get a escow notice from them that my escrow is now increasing my monthly payment by {$1000.00} a month. I called them and was on hold for 30 minutes before talking to anyone. Once I did talk with Suntrust they said they had started an escrow on my account because of the forced lender insurance policy in the fall. After discussing this issue with them for 2 hours it is still not resolved. I have a no escrow loan with Suntrust in my documents. Suntrust has now put me in an escrow status because of a mistake they made XX/XX/2015. Also, I have NEVER been late on my Suntrust mortgage payment and have a credit score of XXXX. What Suntrust is doing is a systematic issue at their company and putting their customers in a bad situation. Can the CFPB help me with this?
|
| 09/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
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I deposited a paycheck on XXXX.19 in my husband 's name ( XXXX XXXX ) for XXXX from XXXX XXXX. It was into our new account at Suntrust bank. I deposited the check in the drive through, and was not told a hold would be placed on it. We got 2 letters in the mail, 1 stating it was being held due to a new account, and 1 stating it was being held due to confidential information that it might be fraudulent. I've called XXXX multiple times, and have been told the account is being monitored. My husband called the local branch and was told our funds would be released on XX/XX/19. However, they were not released. I received a direct deposit into the account today for XXXX from my new job at the XXXX XXXX XXXX of the XXXX XXXX XXXX. I went into the local branch in XXXX VA today, XX/XX/19. When XXXX XXXX called the corporate line, she was told that Suntrust has terminated our relationship. No one can tell me why. They also say since " there was new activity in the account today '' ( aka my direct deposit ), it might take 4 weeks until we receive a check from the bank. I have bills to pay, including childcare, and have NO access to MY funds. I don't understand why they allowed my direct deposit to go into the account if they had already " terminated the relationship. ''
|
| 09/04/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American |
|
Recently the company ( Suntrust Mortgage ) changed the format of the web site that I use to manage my mortgage payments to them. The explanation that was provided to me for the change was that Suntrust Mortgage was converting to being a bank. From my standpoint the modification of the website to facilitate this change led me to make several calls to customer service for help in accessing the site to make my payment on line.While talking to the customer service reps one of them revealed that she was in the XXXX serving as a customer service rep for Suntrust Bank.This is very troubling to me in that every time you speak with one of these people they request ID verification Name, address, Soc Sec #, and responses to security questions regarding my past employment history and past addresses.I have been the victim of several thefts of my identity from data bases of companies and govt agencies that claimed they were hacked into by foreign operatives.So how secure is my personal data with Suntrust Bank 's customer service reps in the XXXX.Why does our govt allow american business 's to do this.This is my complaint : Suntrust Bank is putting me at great financial risk by putting my ID information in the hands of non-citizens that aren't even located in this country
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| 03/01/2017 |
Yes |
- Bank account or service
- Checking account
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Web |
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My wife and I opened up a Checking account with SunTrust XXXX because we just purchased a Winter retreat in XXXX. We used the account of till XXXX once our home purchase was paid off. We arrived in XXXX in XXXX and on XXXX we made {$1000.00} personal check deposit and on XXXX we made a {$1000.00} personal check deposit. These personal checks were from our neighbor in XXXX. The first deposit of {$1000.00} was reflected on our SunTrust Deposit, however we went to SunTrust Bank to check on our account and were then notified that our SunTrust Account has been closed and the XXXX deposit 's that we made we withdrawn from our account and are being investigated for possible fraud. I contacted the Fraud department and they will not release any information to us. In the meantime the person that wrote the personal checks contacted his banking institution ( XXXX - Phone XXXX ) and the monies have been withdrawn from his account. I have attached copies of the XXXX checks, the SunTrust deposit receipts for both transaction, our banking statement showing the first deposit and finally a notice from SunTrust closing our account. This is my formal complaint against SunTrust and we request a prompt resolution and reimbursement in the amount of {$2000.00} for our XXXX checks.
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| 07/11/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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Good Afternoon, This relevant to previous CFPB complaint # XXXX and supporting documents filed there. The final disposition of that complaint was that Suntrust agreed to move forward on a loan modification without requiring the signature of my ex-husband who is a hostile party. The final decision came through after I convinced him to sign with attorney threats and the signed docs were already enroute to Suntrust to meet the offer deadline. Suntrust then left it there and did not revise the documents so as they stand, his signature is still on the account. I requested that they remove him from the account based on their agreement to do so during the modification process which was based solely on my own income information and issued solely in my name ( but requiring his signature ). At this time I requested that he gets finally removed ( divorced in 2010, quit claimed off the property all supporting docs you have on file in the prior complaint ) and they have said no in three ways and are still passing me to new departments to discuss. I have spent an hour yesterday over two phone call and a phone call today with yet a promice that a 4th person will get back to me but the stance from each person remains that removing him is not an option.
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| 02/10/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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Suntrust allowed a debt collector to garnish my wages, even though my wages are from XXXX ( social security ). I informed the creditor, XXXX, that I was very ill and on XXXX. I lost my job because of my health, yet had been consistently paying the creditor, XXXX before I lost my job. I called XXXX XXXX XXXX ( creditor ) informing that I lost my job and was applying for XXXX. They refused to work with me. Suntrust never sent me a letter warning me of garnishment or to confirm my source of income ( which is an ETF deposit monthly from Social Security ). Suntrust allowed both my savings and checking to be put on hold and charge enormous fees for " holding '', overdraft, and a garnishment fee. They also admitted the creditor, XXXX could see my account and explain what charges were pending. How is this possible? The bank was negligent for not confirming that my income was from XXXX or prevent the collection agency from garnishing my account or if the garnishment was legal, ensuring that the limitations on amounts by law were legal ( they charged both my savings and checking accounts the garnishmen ( so XXXX charges for XXXX garnmishment ) than placed the accounts on hold ). I never received XXXX notice giving me the opportunity to show my income was from XXXX.
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| 05/28/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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|
I am an attorney in New York. On XX/XX/2019 my client 's email system was hacked and used to authorize the transfer of {$89000.00} into an account at SunTrust Bank.
Within ten minutes of the wire being sent, we were able to detect the fraud and immediately had our financial institution reach out to SunTrust to report the fraud and place a hold on the account where the money was sent.
Our financial institution followed ALL of SunTrust 's protocols inclusive of various versions of hold harmless agreements. We have been told that banks generally will have this rectified and the funds returned in a very short period of time. We know the funds were caught before being sent out and that SunTrust is holding the funds.
It has been well over a month now. SunTrust not only has not yet returned the funds, but they continue to be non-responsive to both myself and our financial institution for weeks. We have calls in every single business day, emails as well, with no response and no courtesy of an update.
We would like to know what our rights are here with regard to SunTrust and their failure to act professionally in handling this fraud that took place using one of their accounts. In the meantime, my client continues to be waiting for the return of his funds.
|
| 06/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
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|
Web |
Older American |
|
I have an XXXX Equity Line loan with SunTrust Bank. For more than two years now, I have begun to make more than the required payment ( additional payment toward the principal ) every month. SunTrust has been unwilling to provide a statement or history of my payment since I have begun to make the additional payments. I have called several times and requested a balance and payment history other than what was being sent to me monthly of which I believe the balance is incorrect and the extra payments have not been applied appropriately. SunTrust has indicated to me that it is against their policy to release payment history other than what was available online, and what is available online is inaccurate and incorrect. The loan department has refused to send me this record and unwilling to show how my additional payments are being applied. This is quite unfair to consumers not to be able to see or request a payment history. I believe something is wrong with this picture and I am demanding a full payment history of my equity loan account with SunTrust bank. This practice is very common with SunTrust. I have shut all my accounts down with SunTrust because of their lack of transparency and the mistreatment of consumers. The consumer is at the mercy of this bank.
|
| 02/08/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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This complaint is about a checking account in Suntrust bank ... ... On XXXX/XXXX/2017 I deposited a personal check from my brother in law for the amount of {$1200.00}.
{$510.00} of that money was available in my account on Tue XXXX/XXXX/2017 morning. So I registered my car in the state ( I just moved from another state ) paid {$250.00}, paid my water bill {$65.00}, made a purchase of {$31.00}, so when I went to check the balance in my checking account around XXXX because I was in the process of insuring my vehicle, my account was overdrawn for {$370.00}. The bank put a hold on the {$1200.00} deposit until XXXX/XXXX/2017 I 've called numerous of times I even went to talk to XXXX, GA XXXX. branch manager an no one can do anything. The check I deposited already cleared my brother in law 's account, he gave me the name and phone number from a representative of XXXX Bank ( bank where the check is drawn from ) so a representative can call her so she can corroborate the funds were already cleared. I 've tried to have someone from Suntrust call XXXX and my message never gets forwarded. All I get is " your deposit is being held and it will be available on XXXX/XXXX/2017 '' it looks like the bank refuses to help. Oh before I forget I do not have a dime on me.
|
| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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|
Web |
Servicemember |
|
My bank card was swiped by someone located in XXXX, Florida on XXXX XXXX, XXXX. I called and reported the unauthorized transaction on the same day. I was told that the transaction would have to be investigated. It is XXXX XXXX, XXXX and I had to call Suntrust Bank for an update regarding the issue because Ive received no communication as to what is going on. I was told that the claim was denied and that I would have to submit proof that I did not make the purchase. I was told that I would have to submit a rebuttal and the process would take another 45 days to investigate. A few months back, I had to file another claim due to an Suntrust ATM issue. The ATM took my money, never provided a receipt and the funds never appeared in my account. I had to wait for an investigation to be completed before receiving the credit. Earlier this summer, I made a cash deposit with an actual Suntrust bank teller at XXXX XXXX. and there was no sign of it posting the next business day. It should have posted immediately. I went back into the location on the following day and was told that the bank teller made a mistake. I provided my deposit slip and the memo/credit was placed in my account. I reported the latter two incidents to the Consumer Financial Protection Bureau.
|
| 02/06/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
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|
Web |
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I had multiple banking products with SunTrust ( Checking Account, HELOC, and a Credit Card ). I sold the house tied to the HELOC and the loan paid off. Upon pay of of my HELOC, I decided to switch banks. I then closed my checking account. As my credit card still had active transactions on it I left it open. As a customer, I was enrolled in paperless billing for all of my products. The only way to access bills and statements is via SunTrust 's online banking site.
Upon closure of my checking account, my online access was removed and my entire online account was deleted. As such, I am unable to access my credit card statements. I have a bill due in 3 days and SunTrust is refusing to provide me with either a statement and also has failed to correct my online access.
After two phone calls and over an hour on the phone with SunTrust for each call, the representatives were unable to offer any help or restore my online access. I was told that the only way to obtain a statement before my payment was due was to drive to a branch and pick one up. Unfortunately, I have a job and can not just leave work at the whim of SunTrust to pickup a statement.
I always pay my bills in full each month, however, I am unable to pay a bill that SunTrust can not provide.
|
| 09/27/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
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We had a loan with Suntrust mortgage. We ran into personal issues and I left my job as a Nurse to care for my mother. We called Suntrust they offered a XXXX modification. We started trial period XXXX, XXXX XXXX We payed everymonth on time. The XXXX payment was showing late. When I called suntrust they said the date was the date they were able to apply the full payment. The XXXX payment to the loan modification was also late payed by Suntrust. But the XXXX payment is showing on time. We had a full offer on our home and Suntrust gave us a payoff greater then the amount owed. We had to pay {$6000.00} more then owed. Suntrust said we never completed the XXXX Modification process. The loan modification process was started XX/XX/XXXX, We sold our home XX/XX/XXXX. We are now trying to purchase a new home. We are told we are still in a " partial Payment Process with Suntrust. When on XX/XX/XXXX, the loan was statisfied at a greater amount that was due. I tried to clear this with XXXX, XXXX and XXXX. This has been a nightmare. We are trying to get into a less expensive home. Suntrust refuses to update the credit report showing we are not in a partial payment program. THe loan modification is still showing on our credit report and we cant get new financing.
|
| 04/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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Had checking account number used to order checks on Suntrust account. Official Suntrust check company is authorized to send checks to any address without any attempt to verify change of address. Two checks cashed with fraudulent signatures at 2 different Suntrust branches on SatXX/XX/19. Fraud department notified within hours by phone. Went in person to branch and fraud was reported to fraud dept again by bank representative. Told to come back XX/XX/19 because payments were still pending and they couldnt do anything even though bank representative was able to obtains photos of the fraudulent checks from the branches. On XX/XX/19 I returned to branch and official fraud case was finally opened. Told 15 calendar days to investigate. Have called several times to get updates, once told case was closed, then it was still open, then we needed to fill out affidavits 4 weeks after case supposedly being investigated ( they were specifically asked if we needed to do that on day one and they said no ). We have filed a police report, filled out affidavits and can get no information on status of case. Bank representative is trying hard to get info but is no more successful than us. This is a substantial amount of money we have been without for almost 6 weeks.
|
| 10/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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I get a Social Security XXXX check each month on the XXXX Wednesday of each month. I receive {$1200.00} and live alone with trying to pay my other bills. SunTrust continues to charge me an extended overdraft fee which increases my negative balance. This is just additional income for the banks and is very unfair to people who can use the additional {$36.00}. I had a hardship which started the chain of the negative balance and on XX/XX/2018, I will be able to get back in order. Banks are making a tremendous amount of money each year by charging fees that making it harder for people who live below poverty level. I have been living off of beans and rice for the past 5 months because that is all I can afford. Having XXXX, rice is not a food that is good for it. I am not able to eat any healthy meals and take care of myself. In addition to having XXXX, I am XXXX and have been for XXXX years, XXXX, XXXX, XXXX XXXX XXXX, and XXXX and was very healthy until all of this happened. I have attached some statements and can provide more if needed.
I would greatly appreciate if someone would look at what the banks are doing and change this that is going on. All of the extended overdraft fees that I have paid could have helped me with buying food to prepare.
|
| 01/29/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
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I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.
|
| 03/30/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
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|
I received a letter from SunTrust mortgage that I was going to be referred for foreclosure unless I paid {$3900.00}. The last payment I made to SunTrust was on XX/XX/XXXXfor {$1000.00}. When I called to set up payments, the agent stated that I could " try '' to make payments, but there was no guarantee that SunTrust would accept these payments. I called the next day ( XX/XX/XXXX ) and asked to speak with a supervisor because I was told that my payment of {$1000.00} was held because I was past due and this payment would not be applied until I brought the account current. I asked the supervisor to apply the payment and to not hold it and he stated that he would not and that my loan paperwork stated that payments could be held until the account is current. SunTrust is not the original loan holder and I have yet to receive a copy of this signed paperwork that I have requested. I have since mailed them {$2000.00} on XX/XX/XXXX and another XXXX today, so the loan is current. SunTrust also calls excessively, sometimes up to 8 times a day and never leaves a message. All agents of suntrust continuously pushed Loan Modification on me even after multiple statements that were made by me that I would be bringing the loan current by the end of the month.
|
| 07/29/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
A representative for Suntrust Bank came to my house and left a blank card with a hand written note on it asking me to call Suntrust. This person did not identify themselves in any way or form. My payment is XXXX days late and the previous week I called and asked for a deferment. I have not yet received the paperwork to fill out yet for the deferment. I have dealt with XXXX other auto loan companies and I have never had this experience from any of the other companies. I find it extremely unsettling and abusing their position as the loan provider. When I asked for them to provide information about who had came to my house the request was refused and they advised to not take it personal. Given that they sent someone to my home in what seems like strong arm tactics, I find it very personal. Then they stated that I do not own my vehicle that the bank does. I have found my experience rude and that they are over stepping. I feel that it implies that they can have access to where I live and my property anytime they deem it is necessary. They do have an interest in the car but my name is on the title. What does it matter to them what sort of condition the vehicle is in if I am making the payments or keeping in contact with them to make arrangements.
|
| 10/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have exhausted all administrative remedy to try to work with SunTrust Mortgage, Incorporated. Per, the steps that were taken with honor, the note has been fully discharged and the funds were resent and accepted by SunTrust Mortgage, Incorporporated Payoff Department on XX/XX/XXXX to discharge the debt. The funds were not returned and SunTrust Mortgage, Incorporated agreed to the terms and conditions of the Notarized Legal Affidavit of Fact With Lawful Writ of Directive and Terms of Use of Agreement, dated XX/XX/XXXX ; which was sent certified mail via United States Postal Mail.
The alleged 'Trustees ' of SunTrust Mortgage XXXX Incoporate has initiated a wrongful foreclosure with a sale at an auction dated XX/XX/XXXX in XXXX County , Georgia . SunTrust Mortgage, Incorporated can not : - prove it owns the original promissory note - didn't act in compliance with state mediation requirements ( publication of the notice of sale ) - did not follow state-specific foreclosure procedures - provide all journal entries regarding the alleged loan Documentation that has been published for 'public record ' have been balantly ignored by SunTrust Mortgage, Incorporated. The company has the documentation plus more that was mentioned in this complaint.
|
| 03/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I switched cell phone companies turned the phones into the new company who had a promotion to pay the cell phones off to the old merchant. XXXX which was the old merchant charged my bank account XXXX which caused a negative of that amount on my account. I never authorized them to charge my account for that payment. I call SunTrust in which disputed the claim it was approved and I was issued a new debit card. The transaction was attempted again at that time 4 attempts were tried and SunTrust allowed the purchase I again disputed that claim and SunTrust closed the new card that was issued and resent me another card. The dispute came back onto my account this time causing me to be negative XXXX. No one in SunTrust claims could advise me why they allowed my account to over draft almost 2 thousand dollars, and neither was she cooperative in helping me she stated that the merchant had a contract. I advised to her I never signed a contract because no longer did contractual plans. SunTrust was not on my side and failed to protect my account. I explained to her that the issue has happened three times now with this merchant. I have cleared my rent check and many other authorized expenses and this will cause me to be placed in a horrible situation.
|
| 02/03/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
A friend received about $ XXXX from a sale which was wired to his acct at SunTrust, which already exceeded XXXX. I told him to XXXX some to other banks to keep balances at each under XXXX. He went to his branch in XXXX, VA, where he was instead told the ins is up to XXXX PER ACCT, so half was XXXX into a new acct. Perhaps the person received a bonus as happened at XXXX. I told him that was false, and he returned to the branch yesterday. This time a different desk person was told what my friend had been told previously and that a friend ( me ) had said it was incorrect. That desk person went to the manager with the issue, returning to say coverage limit would be based on beneficiary designation! So this SunTrust branch and perhaps others is giving false and potentially seriously damaging info to customers either out of ignorance or for marketing goals. When I worked at a bank there were fdic brochures. Are there still? If so, staff should be required to dispense one any time a question is asked, in addition to trying to answer the question. There are indeed some fine points involving joint and IRA accts, but the broad SIMPLE headline rule is easy to understand, so the advice given by these SunTrust personnel is unforgiveable. Do something!
|
| 09/07/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
My father, a XXXX veteran, died in XXXX 2016. I knew he had Suntrust accounts and my goal was to put Suntrust on notice that he was no longer living and to freeze any further checking account activity, especially automatic debits. I went to a local branch of Suntrust with copies of the death certificate ( XXXX in total, all certified copies ). They told me I needed letters of administration identifying me or another person as a representative of his estate in order to freeze his accounts. I told them I found this requirement an unreasonable burden in that no one had presented a will on his behalf yet ( it had only been 2 weeks since he passed away ) and I believe he passed away without a will. In questioning the policy, Suntrust 's consumer complaints ' office said that the copies of the death certificate were not " original '' death certificate. But my copies were certified copies of the death certificate. The local branch would not accept a copy of the death certificate, and Suntrust generally never requested a copy of the death certificate for the investigation of my complaint ( all my copies have official seals ), and the local branch never acknowledged that a death certificate could serve as enough notice to freeze account activity.
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I began noticing tech schemes with internet access which carried over to the banking account by transfer managers of micro-management February 4th-5th, 2019 concerning e-billing. It's happen before in 2018, so I got very suspicious of the act because it involved a banker releasing private information. I was notified that I was possibly affected once before by the Suntrust Bank Team, but never compensated for it and they just covered it up. This time they authorized a payment I didn't authorize and it was in dispute with a the corporation. Provided that terrorism, corruption cases, money making schemes, environmental health & safety could be at risk I asked Suntrust not to get involved with the payment process. Suntrust fraud team member XXXX agreed it was not to processed, I should not concern myself about it as long as I didn't authorize the transaction. They paid the over charges from the account causing the account to overdraft and now they expect me to cover the cost of something they did without my permission before inquiring of the bill. That's not how e-bill suppose to operate. I'm currently in the process of stopping the payment they caused, and it's in XXXX going on XXXX. Which will cause over drafting for the following month.
|
| 07/25/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I originally opened this account with XXXX XXXX , as a maintenance free savings account, XXXX was bought out by XXXX and the savings account continued. Both the saving and checking account remained under the agreement. Suntrust bought out XXXX years ago and then took on my saving contract which is a no maintenance free account with no fee charge. The only stipulation is that I allow the transfer of XXXX dollars per month on or about the XXXX of each month from my checking to my savings. This contract and policy has been in place since its inception. Mysteriously Suntrust started removing XXXX dollars a month from my savings account earlier this year, claiming a monthly statement fee. I have not requested a monthly statement, nor agreed to a monthly statement fee. SunTrust is creating this with out my request. I wrote to Suntrust about it and also filed a complaint here with the CFPB, and initially they refunded the XX/XX/XXXX month of unrequited statement fees but have since started charging me XXXX dollars a month for a service I have not requested. I then sent another email to SunTrust asking them to stop taking money from me, but they continue to fleece my savings account for non requested services.
|
| 07/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I had submitted a complaint a couple of weeks ago about SunTrust Mortgage, that pertained to misapplication of mortgage payments. This is a second type of complaint. I received a letter over this past weekend, dated XXXX XXXX, XXXX, informing me that my mortgage payment for XXXX was short by {$44.00}. It states that my mortgage payment is {$1300.00}. This was not true for the XXXX payment. Because of a need to increase the amount in my escrow, SunTrust had notified me that EFFECTIVE XXXX XXXX, XXXX, my mortgage payments would increase from {$1200.00} to {$1300.00}. I paid my XXXX payment of {$1200.00} ( that was misapplied to principle and this information appears in my previous complaint ) and paid my XXXX payment of {$1300.00}. In addition, I was informed that SunTrust has taken {$44.00} out of my escrow to cover the " XXXX shortage. '' So, now my escrow account is affected. I can not imagine that I have had so many issues regarding my XXXX account within the past couple of weeks. I have owned homes since XXXX in XXXX different states and have never encountered issues with my mortgage payments. I would like to know how SunTrust calculates anything pertaining to Finance. How can they even be in existence as a financial organization?
|
| 10/05/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I was opening my mail on XXXX XXXX. I had not had time till then. I was working from XXXX to XXXX trying to make up time I had to take off because of an accident In XX/XX/2918. I came across a letter nothing on it printed as important info. Not a signed reciept letter. It said they would be foreclosing on my house XX/XX/2018. Due to my injury and school where I clean. Had cut my hours to 1 or 2 hours for the summer. I fell behind a month but I had been paying a month behind with the late fee. I was not notified I had a problem till XX/XX/2018. When I got a check for {$40.00} and this letter. This should have been sent signed reciept if it was that important. They had been accepting my payments for 3 maybe 4 months then bamm they come out of the blue with 20 days to come up with another {$700.00}. This is unfair. 2 years ago they charged me extra a month for 9 months because they forgot to add in my insurance to my bill. I played my bill as they said I owed promptly on the first but then I had to come up with {$200.00}. More in full. I had to pay it on the XXXX when I got payed again. That is not fair either. I spoke to an attorney he said I could either pay him or the mortgage company .big business I could not win. Thus us unfair.
|
| 03/22/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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I have been charged over draft fees for transactions that were covered. I called to to them and they explained it was because of transactions that were covered yesterday I explained that has nothing to do with the pending charges that are covered.
I have took pictures of my account when I was online and talking to the rep at the same time. The supervisor continued to talk in circles and would not refund my {$72.00} for XXXX charges that were covered. They literally just stole my money and and tried to justify it by saying it was the pending charges that were not posted and they were covered too, with the deposit that came in today. I am sick of this bank charging me for fees and moving money around to make money. I was told by a a manager at a local branch that fees were charged based on anticipation, as well I told her that was unfair and unethical and if money is in there to cover transactions then a fee should not be charged. I want my {$72.00} back and I will not be banking with Suntrust anymore. They did n't used to do this and all of a sudden they find a way to always get money from me. Always moving money to get a fee maliciously. This bank needs to be exposed for their repeated theft from my account based on anticipation.
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| 11/19/2015 |
Yes |
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Web |
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I disputed a charge of {$140.00} on my SunTrust Credit Card. I completed the paperwork sent to me by the SunTrust Fraud Assistance Unit, which included a detailed explanation of why I was disputing the charge, and supporting attachments. I mailed and faxed the documentation to SunTrust XXXX ( XXXX ) times, but kept getting the same letter saying that I needed to provide an explanation of why I was disputing the charge. I called SunTrust Fraud Assistance XXXX times and each time I was told that they received my paperwork and they did not know why I was sent the last letter. On XXXX XXXX, 2015, SunTrust Fraud sent me another letter stating that they had closed my case because I had not responded to their letters. I called again and told them that I had mailed and faxed the information to them XXXX ( XXXX ) times and followed up with phone calls. Each time I called I was told that the paperwork had been received. On XXXX XXXX, I called again to protest the closing of my case and demanded that they reopen it. SunTrust Fraud Assistance has not taken the time to read and/or investigate my dispute. They summarily closed my account. I have right to dispute a charge on my credit card account which I did not request, authorize or agree to.
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| 07/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I contacted SunTrust to refinance my mortgage. The loan officer informed me that I could take advantage of their portfolio loans, which do not have mortgage insurance, but have very stringent requirements to obtain the mortgage. You need to have a salary in excess of {$150000.00} and {$100000.00} in reserve assets, among other items. I told the loan officer that my salary is less than {$150000.00} and I had less than {$100000.00} in reserve assets, but he assured me SunTrust could work around the requirements. He then billed {$940.00} to my credit card for a home appraisal and to obtain condo documents. Several weeks later, the loan officer told me I do not meet the requirements for the loan and asked for more than {$20000.00} in additional cash to post as reserve. As I stated from the beginning, I do not have such extensive liquid assets and so can not qualify for the refinancing. SunTrust has refused to refund my money that it charged for loan product that I did not qualify for from the beginning. Perhaps I am naive for believing the assertions of the loan officer, but he told me repeatedly " not to worry '' and that they would " figure it out. '' Now I have lost nearly {$1000.00} and the loan officer says he can not help me.
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| 07/15/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan servicing, payments, escrow account
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Web |
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My SunTrust HELOC was going into repayment. I received multiple notices and phone calls informing me of my options to extend my repayment up to XXXX years at about 4.75 % .. At XXXX point about three months ago I had asked what the interest would be on repayment of the existing loan and they told me over 5 %. So I spent time looking into other HELOC options or rolling it into a refinance of my home.
Finally SunTrust sent an agreement by XXXX to be signed for a XXXX year HELOC extension. I called to ask about the offer and I asked again what the interest would be on repayment of the existing HELOC. They said they did n't have that information and I would have to check my HELOC agreement. After trying to push the 20 year HELOC for a few more minutes I told them it was strange that they do n't know the interest for my existing loan and I ca n't make a decision on moving forward with a new HELOC without that information. They then gave me another phone number and at this number they informed me that the payback interest is only prime ( about 3.25 % ).
There was a carefully laid plan to deceive me and push me to sign a longer term loan at a higher interest rate. This is clearly unethical practice and should be stopped immediately.
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| 01/13/2020 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I received a letter from Sun Trust advising me that a hold had been placed on the new account that I had opened online because the amount of the check submitted was very high and it is their policy to put a hold on it. On XX/XX/XXXX, I went to the local Sun Trust branch to alert them that I had not opened this account and that someone was using my identity to open the account. A lady named XXXX ( at the bank ) alerted the Sun Trust fraud department ; she assured me it would be taken care of.
Since that day, I have continued to receive communication from Sun Trust telling me that a fee of {$12.00} has been placed on the account because of the fraudulent check submitted when opening the account. I have spoken with Sun Trust five times about this issue and I am continually told that it is being taken care of ; however, the letters still come. The notice sent to me dated XX/XX/XXXX, contains a threat that if I do not pay the XXXX fee, they may report this to check reporting agencies which may impact my relationship with other banks. My credit is excellent and Sun Trust bank is threatening that. I have included communication I have received from Sun Trust. You will see they are ignoring the reality of identity fraud.
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| 01/07/2016 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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My personal account is with Sun Trust bank. The paoblem is with a practice that banks use known as reordering transactions. On XXXX XXXX XXXX I had numerous transactions that I made for the XXXX season. On Monday XXXX XXXX XXXX I had a balance of {$45.00}. I went to XXXX and spent about {$10.00} on my debit card, The next morning XXXX XXXX XXXX i look at my phone and see that I am now negative over {$400.00}. I expected to see XXXX overdraft fee because my wifes check that was direct depositied from her employer was incorrect, they did not pay her the full amount due by XXXX of dollars. That being said if the bank had made the debits the way the transactions were made then that would have been acceptable. Instead they switched everything around they paid a large transaction they claim on the XXXX and put the smaller ones that I had made on XXXX/XXXX/XXXX after they cleared the larger XXXX from the XXXX this change caused me to have XXXX overdrafts or {$240.00} in fees. I went to my local branch and spoke to the Branch manager, XXXX XXXX he said that he did not have the authority to drop the charges and that he woudl have to send the information to another department. As of this date XXXX/XXXX/XXXX at XXXX nothing has been done.
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| 07/02/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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I filed a dispute on XXXX XXXX, 2015 about a final payment I made to XXXX. This payment was applied to someone else 's account and after I spent many hours on phone and being put on hold, disconnected etc, XXXX actually expected me to go to XXXX to straighten out their own internal problems. I refused. I filed a dispute to get my money back and 3 months later, I still have not gotten any response from Suntrust. I have chatted, emailed, called, and went into bank telling them my credit was now being threatened by XXXX. They did not care. To date, I have received no response so I do not even think Suntrust followed up with XXXX. I sent form from my local branch which I have proof. I called many times since this time and they just act like I should wait 90 days to expect a start on this dispute. I am now being damaged, credit wise, over this because I am not going to keep paying a bill which amount keeps getting changed and added to anyways. XXXX is now saying the credit due to me for my over charge ( which was final straw for me and why I canceled all services with them ) is now not going to be given so I owe more money than the {$93.00} I paid to be rid of them to begin with. I want to file a complaint against Suntrust and XXXX.
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| 06/11/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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Web |
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Called XXXX Suntrust HAMP Settlement Friday evening XXXX XXXX in Refrence to Suntrust Hamp settlement. My question was WHY do n't I qualify. It is a XXXX Loan. I waited on call back from XXXX neutral party XXXX XXXX XXXX XXXX on Wednsday XXXX XXXX. Got an email from XXXX XXXX on XXXX XXXX XXXX stating that I am eligible to participate in the settlement and a Participation Packet would be mailed to me at address on file. I received another phone call and email on XXXX XXXX from XXXX saying " sorry for the confusion but the person that sent me the email saying that I 'm eligible made a mistake '' and now I do n't qualify. I sent another email yesterday XXXX XXXX asking to give detailed explanation of why do n't I qualify when my loan meets all the requirements to be eligible for settlement. A lot of confusion going on. I would like to know why I 'm not eligible when my loan fell in between the time frame for the Suntrust HAMP Settlement. I filed XXXX loan modifications in XXXX and XXXX during the HAMP settlement time frame.. They asked for documents that I had sent repeatedly leading up to my foreclosure date. I made XXXX trial payments. The loan was a XXXX loan. My loan # XXXX. Property address was XXXX XXXX XXXX XXXX XXXX XXXX.
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| 07/12/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On XXXX XXXX XXXX, a client deposited the amount of {$3000.00} ( USD ) into my business checking account at Suntrust Bank. When deposits are made on a business day it takes a 24 hour period normally for the funds to be available and if the bank is in the same area of the account then there normally is no hold. However, when I checked the business checking account it stated on XXXX XXXX XXXX that there would be a hold on {$2800.00} until XXXX XXXX XXXX. However when I checked the account again on XXXX XXXX XXXX, Suntrust Bank decided to place a hold on {$400.00} until XXXX XXXX XXXX and then put a hold on the remaining {$2400.00} until XXXX XXXX XXXX. When I contacted Suntrust Bank on XXXX XXXX XXXX, I spoke with a representative named XXXX and was told that these holds were not policy but at their own discretion. I informed the representative that this inconvenienced my ability to do business and that these funds should be available especially if there were no push backs from the bank in which the deposit was drawn from. Based on the representative and his management this is a system process and there was nothing they could do. I informed the representative that this was unacceptable and that their explanation was not enough.
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| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I have a DDA account with SunTrust Bank NA, now Truist. I observed a pair of unauthorized charges on my account dated XX/XX/2020. I immediately contacted the bank and disputed the items. Soon thereafter, the bank credited me back for both amounts. The bank provided also provided me with a new debit card, however they appear to be using a system called Mastercard Automatic Billing Updater which basically fed my new number back to one of the companies who submitted the original fraud charge. Thus, my replacement card is also no good. One of the companies behind the original fraud charge later submitted another charge ( with the new debit card number ) for some type of membership fee. I am now left with no ability ( other than a personal check ) to purchase things like groceries and gas. The bank does NOT provide me with the ability to opt-out of Mastercard Automatic Billing Updater, which I find to be an unfair practice. I don't understand how a bank could be allowed to perpetrate fraud by providing the new account numbers back to a merchant for whom I affirmed to having never ever having a business relationship with. I am considering taking legal action against the bank as well as the merchant who submitted the second charge.
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| 02/17/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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XX/XX/19 I was preparing to close on a property, XXXX XXXX XXXX XXXX La. XXXX. The closing was scheduled for XX/XX/19. I was instructed to wire {$32000.00} needed for the impending closing early to prevent another delay in closing on the property. My closing/Escrow officer, My banker and I were waiting for the lenders approval to send the money for the closing that was scheduled to take place early XX/XX/19. Once we obtained approval, My closing/Escrow officer sent me the wiring instructions and I forwarded the wiring instructions to my banker. My banker wired the {$32000.00} needed for closing to the Title company listed on the wiring instruction sheet. The name listed on the wire instructions were XXXX XXXX XXXX at Suntrust Bank. I arrived for the closing and realized the funds were not available. The funds were intercepted by a fraudster and were not available to the Title company handling the closing of the home, XXXX XXXX XXXX. I as well as many others contacted Suntrust fraud department. I was told my bank had to contact them with a list of instructions of which one was to fill out a hold harmless agreement.
No one involved in this fraudulent activity has offered any suggestions as to how I can recoup my {$32000.00}.
|
| 08/09/2016 |
Yes |
|
- Unsolicited issuance of credit card
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Web |
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My wife was in a branch of Suntrust Bank to pick up my debit card that accidentally left in the ATM machine. When she stopped at the branch to pick up my card, the branch manager and bank teller asked my wife if she wanted to earn cash back on our debt cards. She said, " talk to my husband, he handles all of that. '' They did n't take no for an answer, asked her a couple of questions like " where did you go to high school? ", etc. With that very basic information, they opened XXXX credit cards, XXXX in my name and XXXX in her name. I had no idea that this had happened, until my credit monitoring service alerted me that an account had been opened. After learning that these accounts had been opened, I immediately tried to find out how this happened, because at first I thought it was identity theft. I later found that it was n't identity theft, but it was the people at the bank branch, that opened an account and NEVER even spoke to me. With that tiny bit of personal information about my wife, they claim that it was appropriate that they opened XXXX new credit card accounts, XXXX in her name and XXXX in my name. Now, I 'm trying to get the account closed and removed from my credit report, but I am having a very difficult time.
|
| 04/25/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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|
Web |
Older American |
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Several things. I filed a chapter XXXX on XX/XX/XXXX. According to rule 3002.1 XXXX : XXXX, the bank must send notice to my attorney and me when interest rates change. I have made 5 payments since XX/XX/XXXX, and my attorney and I have only received one letter advising us of a rate change and the amount due, and that was in XXXX for the XXXX payment. this month, I owe {$700.00}, my rate has gone from 6.49 % in XXXX to 6.75 % today, my payment has gone up {$40.00}. The fed has not raised rates in that time. Can the bank just raise my rate indiscriminately at their whim? I was told on Tues. that my annual rate is 22 %? It's very important to me to keep my home and make payments on the heloc, they are making this impossible.
In trying to reconcile this with Suntrust, many questionable things happened. I was told to file the form for modification, which I did, many times. Earlier this year when I filed the last one and was rejected, I was told that suntrust Bank doesn't do modifications, they only do hardships. when I asked why I was told to keep submitting applications, he said we can't tell you not to. I've asked many questions, and can not get an honest answer from anyone. I'll attach more of what's happened in the past.
|
| 06/17/2019 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
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Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Attorneys at Law representing Suntrust bank Got a default judgement against me in court without serving me properly.The process server did not comply with Georgia Rules of Civil Procedure. concerning the summons A forbearance was offerd by the bank however the above law firm charged me approximately {$9000.00} plus another approximately {$400.00} in court costs. My interest rate went from 4 % to 8 % .Furthermore my principle was {$82000.00} @ 4 % interest is {$3300.00} not {$4900.00}. as the forbearance agreement states. I went from owing approximately {$83000.00} to XXXX for my home under this agreement. Under this agreement an additonal XXXX was tacked onto my principle which fits the definition of usary in Georgia.Section 7-4-18 of the Georgia Code contains a criminal usury statute which provides that no loan shall charge any rate of interest greater than five percent per month either directly or indirectly, by way of commission for advances, discount, exchange or by any contract, contrivance or devise whatsoever. In the event any loan violates this criminal usury statute, the lender forfeits all interest due on the loan but will still be able to collect the principal.
|
| 07/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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I have information with evidence that Suntrust Bank has a program that is being used to generate " Overdraft Fees '' in accounts that are not in the negative. They have been using this program for at least XXXX months. The program creates a " phantom '' charge which is equal to the amount in the account. This charge while not actually taking the money out of the account, fools the banking system into creating Overdraft Fees on all pending charges.This is why so many people who bank with them complain about having overdraft fees when they have plenty of money in their account. I know this is a intentional made program because it does not show up on local branch computers or on the PC/Laptop site websites. I am contacting all major Media outlets with this information.
The Phantom charge says it is paying a bill to the account holder. No money leaves the account. This charge has no ACH reference number or place of origin, meaning that this charge is being created by Suntrust. A member of their legal team ( Who stated she was a customer relations expert ) contacted me to try and get me to release all my evidence to her. When I only gave her enough to prove my point, she said she would contact me the next day but, did not.
|
| 07/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Trouble using your card
- Can't use card to make purchases
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|
Web |
Servicemember |
|
This is in reference to more a visa debit card not credit card..on XX/XX/2019 i entered suntrust bank on XXXX XXXX XXXX XXXX, XXXX, ga XXXX to get a cash advance off my visa debit card..the teller refused to issue funds to me even though i had proper i.d.drivers license and additional i.d . and funds where available..im not a customer of suntrust but just needed the funds issued to me..they told me i could use the atm and get the funds but atm only issues out a certain amount and i need more than atm allowed..there excuse was they only do advances on pre paid cards which is rediculous ... i have worked at banks before and never heard of such a practice they stated was there policy..for one its an unfair practice ..i cant receive funds from teller but i can go the atm where i will be charged fees.. next i have gone to other suntrust bank where i had no problem at all and they issued funds to me so how can one bank issue funds and another not ... this bank is not following banking guidlines or picking and choosing who they issue funds too..suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX issues funds to me in the past with no problem but suntrust bank at XXXX XXXX XXXX XXXX, XXXX, ga XXXX doesnt follow same guidlines
|
| 10/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
My credit report showed an {$10000.00} home equity line with SunTrust as open when it was closed in XXXX. It was to be on my credit report until XXXX of XXXX. It showed a excellent payment history since the XXXX 's. I was trying to clean up my credit report after dealing with identity theft. And requested they mark it as open. Instead of fullfiling my request as it should have been handled, they deleted it instead.
After cleaning up my identity theft on XX/XX/XXXX my XXXX was at XXXX after some very hard work cleaning up what had happened. When SunTrust deleted one of my credit histories with them instead of closing it like it should have been, my credit score with XXXX dropped immediately to XXXX overnight! XXXX told us that the fact that they deleted, instead of closing it, has they should have, caused me to suffer the score damage that resulted. They said this looks like we defaulted on the line as it was not to be it before deleted before XXXX of next year.
I approached SunTrust by mail and by phone about this. In all cases they said now that it was deleted there was nothing they would be willing to do about it.
I will be happy to provide copies of letters from SunTrust or any other information upon request.
|
| 01/14/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
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XX/XX/2018 : {$6000.00} was withdrawn from my savings with what appeared to be a XXXX account linked to my SunTrust Savings account. After several days the money was reimbursed.
I reported this immediately to SunTrust. After being told the first time it wouldn't happen again, 30 days later it did.
XX/XX/2018 : {$35000.00} was withdrawn from my savings and two checking accounts with again what appeared to be dozens of XXXX accounts.
I immediately froze my account, changed my passwords again. After about 10 days, the funds were returned and I unfroze my account so that I could transfer all funds to a new bank ( XXXX ). While waiting over the past 48 hours for my check to clear to the new bank, additional funds are now being sucked out of my checking account and I am told SunTrust " probably will not be able to stop it ''. I notified them within 30 minutes of the transaction pending and they are unable to prevent it. I literally do not have enough time to move the funds before the thief steals from me again and SunTrust is incapable of preventing the theft from occurring. It is now impossible for me to move the funds. My mortgage was due weeks ago and they have provided no assistance to ensure I can access my money.
|
| 06/08/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did.
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either.
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority.
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.
|
| 03/14/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016 my tax preparer XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX Bank. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
|
| 01/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
In mid XXXX, XXXX, I received a letter from SUNTRUST Bank that my repossessed car was going to auction in mid-XXXX. there are two problems with this : # 1 My car is not repossessed, and # 2 all my payments since opening the account with Suntrust have been paid ON TIME. I called Suntrust : the agent was very confused by this due to the outstanding status of my payment record. Finally, a supervisor stepped in, apologized, and informed me that someone had transposed the VIN # incorrectly and they would take care of it.
On Sunday, XXXX XXXX, I was alerted via email that my EXCELLENT credit score was down 79 points due to the closure of my Suntrust Auto Loan account due to repossession!
I called Suntrust again : again they were confused, and gave me a CASE # in order to resolve the devastating situation.
As if all that is not bad enough, I went to my own bank to refinance the car as I want nothing more to do with Suntrust, and, although they approved the loan, the interest rate was higher due to the credit report of repossession.
It needs to be noted that my credit report also shows the same auto load account OPEN in good standing!
Suntrust has singlehandedly ruined my EXCELLENT credit score due to THEIR errors!
|
| 03/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX XXXX, 2016 my cousin XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal & left the bank within 25 minutes of leaving the bank, XXXX XXXX branch manager contacted her again and informed her to bring the money back due to a fraud alert due to deposits not being in the account holders name we were informed that if XXXX XXXX brought me to the bank and I verify my identity everything would be fine that was not the case when we got back to the bank the branch manager XXXX XXXX just wanted the money & did n't give any information as to what actions should be taken next nor did she review the information we brought to the bank I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX XXXX. I have been able to get nowhere & they have constantly responded in a rude manner presenting horrible costumer service skills. I have limited information about my funds & Suntrust Bank internal department is telling me they can not give me a time frame as to when my funds will be released & and I was referred here to possible get a resolution within 10 business days of this matter being referred to the bank
|
| 08/16/2017 |
Yes |
- Mortgage
- Other type of mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Sometime in 2009, my mortgage was with SunTrust and my monthly payments increased due to rising insurance costs. I requested a loan modification and was told I had to be in the foreclosure process in order to be considered for the modification program. So I asked the operator what other suggestions she had as I could not afford the monthly payments. Eventually I fell behind, I was granted the modification. Only, my monthly payment difference was a minuscule change. I can not remember exact amounts. I was given a subordinate mortgage to cover late fees, interest and lawyer fees for the foreclosure process. I am curious to know how they arrived at the {$17000.00} amount for this loan. XXXX XXXX is the servicer now and can not provide the details, as they do not have it. I have requested the information from SunTrust three times to no avail. The loan modification was totally unfair as I fell into the foreclosure process AGAIN the following year. Attorney fees were only {$1200.00}. I also went to court for the matter and not one of your reps appeared ... .only to find out later my file was sold XXXX times and starting the loan modification process all over again and have another {$40000.00} added to my loan amount.
|
| 11/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I bank with the predatory bank SunTrust. I used company option to refuse transactions if funds aren't available as well as the option for turning off card if funds are low or unavailable but I am being charged excessive fees because they allow transactions to process with the deliberate intention of charging fees.
I have been charged thousands of dollars a year by a process that is correctable but they choose not to because it surely generates billions in revenues foro their organization.
I want my money back without any excuses. When then account reaches a negative balance that they feel is beyond what they are willing to lose they then become capable of stopping the transactions when funds ar not available. So it is possible to accomplish. The institution just chooses not to do it until it's a potential problem for them.
I have challenged them by calling to their attention that I opted to not allow approval of transactions when funds are not available and that my card was turned off when transactions were processed. Both options were not adequate to prevent transactions and prevent the accrual of those enormous fees. I want those funds refunded to my account retroactively.
Thank you, XXXX XXXX, XXXX
|
| 02/22/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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On XXXX XXXX, XXXX I opened an account with SunTRust Bank with an offer in witch they offer me a reward of {$250.00}. The terms and conditions where : earn {$150.00} by depositing at least {$100.00} within 14 days of account opening and completing at least {$500.00} in Direct Deposit within 60 days of account opening.
And earn an addition {$120.00} by continuing to maintaining at least {$500.00} in monthly direct deposits until XXXX XXXX XXXX.
I did completed both requirements for the offer. I never got any reward from them.
Since XXXX XXXX I been going to the branch where I opend the account and talking with the manager XXXX XXXX XXXX, phone number XXXX she has n't been able to get my reward. We submitted a complaint with Research contact center, and a lady call XXXX XXXX XXXX extension XXXX, call me on XXXX XXXX, XXXX and told me that they made a mistake and that i was supposed to get my {$250.00} reward in 4 weeks ( XXXX XXXX ).
Today is XXXX XXXX, and I have n't received my reward, XXXX is not returning my calls. I do n't know what else to do!
I really hope you can help me to get my rewards so I can close my account and never again doing business with SunTRust.
Thank you XXXX XXXX XXXX XXXXXXXXXXXX
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| 03/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
|
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Web |
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My mortgage servicing was switched from XXXX XXXX XXXX to SunTrust Mortgage. I have received XXXX letters explaining this and how to set up an online account with SunTrust in order to pay my mortgage and that I can and must do so after XXXX XXXX. However I got a error notice every time I tried to set up the account. I have now made 3 phone calls to SunTrust trying to figure what is wrong and keep getting different explanations such as we do n't support Mac computers ; our website only works on Internet Explorer ; our website will work on Chrome but you have the wrong version ; you ca n't set up an online account until after XXXX XXXX, 2016. Each time I questioned the incorrect information, I was put on hold, or chastised by the customer service agent for suggesting that it might just not be " my fault '' that it 's not working, or told to stop yelling ( which I was n't ) or told to NOT do something else that I was n't doing or simply put on eternal hold. I just want to set up automatic payments and pay my mortgage and do n't understand why SunTrust ca n't produce accurate instructions and polite customer service agents who are well trained enough to figure out when it might just not be the customer 's fault.
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| 07/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a conventional mortgage with Suntrust bank originated at 90 % LTV requiring PMI at {$100.00} per month.
I recast my mortgage with Suntrust bank by making a one time payment that brought my LTV ratio to 45 %.
Suntrust did not automatically remove my PMI as required by 12 USC 4902 ( e & f ) and continued to charge PMI.
I spoke with a customer service representative who indicated that I needed to request PMI removal in writing.
Though federal law does not require it, I requested PMI removal and a refund of the 4 months of PMI collected in violation of the law. Suntrust replied that my PMI was cancelled and refunded the partial payment for the balnce of the month requested.
I followed up with a request for a refund of the previous 4 months of PMI collected after the loan was below 78 % LTV.
My attorney has also requested a refund of the PMI.
Suntrust has so far refused to refund the {$400.00} I am due.
After researching similar issues on this website, this seems to be pervasive for Suntrust to illegally collect PMI in violation of federal law.
The consumer finance investigator may want to look into whether Suntrust is not removing or refunding PMI purposefully and behaving in a predatory manner.
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| 06/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Servicemember |
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I was selling some furniture on the website XXXX. I was sent a check to pay for the bed I was selling and for shipping the bed to the recipient.
I deposited the check I received into our checking account at Suntrust bank on XX/XX/2019. I called the bank on XX/XX/2019 and was told the check had cleared and funds were available as well as verifying on e-banking. I used XXXX to send {$1000.00} to Ms.XXXX XXXX of XXXX, VA as I was under the impression Ms. XXXX was the mother of the person buying the bed. On XX/XX/XXXX, I sent another {$1000.00} to Ms. XXXX after calling the bank and again confirming the money was in our account. I was asked to send another {$500.00} of the money to Ms. XXXX. On XX/XX/XXXX after funds had been sent we were notified the original check I deposited had been returned to Suntrust for insufficient funds.
The original check was for {$2800.00} and Suntrust charged us {$36.00} for insufficient funds in our account.
We filed a police report with the XXXX Police Department on XX/XX/XXXX at the XXXX XXXX Precinct at XXXX XXXX XXXX XXXX, XXXX GA XXXX complaint # XXXX We feel Suntrust has a fiduciary responsibility to protect us by confirming reliably the validity of the check clearance
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| 09/19/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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|
Web |
Older American |
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Bank has denied my Fraud Claim and Rebuttal based on conversation with XXXX.
Fraudulent charges made on X/XX/2017 to XXXX.My debit card with SunTrust Bank. Computer was hacked and hackers made ' {$400.00} gift card purchase. Money was within from checking account on X/XX/2017. Called bank immediately to notify of fraud and was given Case Number. I was told that it would take 10 days to review. Received call from SunTrust investigator on X/X/2017 for information. Explained in detail of how computer was hacked and told the steps that I had taken ; notify XXXX, and other charge accounts that were hacked and had been resolved. This conversation took place on X/X/2017 at XXXX XXXX. Received denial letter on X/X/2017 at XXXX XXXX!! FIVE HOURS LATER!! Indication was based on conversation with XXXX. Bank claims it was legitimate charge, however XXXX record INDICATE OTHERWISE..FRAUD!!! Investigator told me that she would send rebuttal forms to fill out. Filled out forms I did and faxed back in X/X/2017. Received Rebuttal denial letter on X/XX/2017 from SunTrust. Immediately called SunTrust to dispute denial. Was told to contact XXXX which I did. Fraud Department reviewed the case and said it was definite fraud.
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| 12/06/2017 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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On Saturday XX/XX/XXXX I opened a checking account at SunTrust online. I then went to the branch inside XXXX on XXXX XXXX XXXX XXXX in XXXX, GA and deposited two checks totaling {$2700.00}.
On Monday XX/XX/XXXX, I directed my employer, the XXXX XXXX XXXX XXXX to send my direct deposit payroll to the new account. And I set up a XXXX auto-withdrawal using the new account for XX/XX/XXXX.
Unbeknownst to me also on Monday the XX/XX/XXXX the Suntrust fraud department decided to close my new account. I went on XXXX holiday in Maryland and New Jersey and did not find out about the closure until I returned on XX/XX/XXXX. In their letter they stated my funds should be sent in 15 business days if they are n't forfeited.
I called the fraud department on the XX/XX/XXXX but they had no information except to tell me to visit a branch.
I went to the Sun Trust XXXX, GA office Tuesday XX/XX/XXXX and the fraud department would n't tell them anything either.
Of course my payroll check then bounced on the XX/XX/XXXXt and I had to get XXXX taken care of, but I really need to get my funds back from them. I had XXXX XXXX on the XX/XX/XXXX with a {$1700.00} copay and was counting on using that money to pay the XXXX.
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| 08/29/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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XX/XX/XXXX myself and my ex-wife took out a home equity loan at Suntrust Mortgage. This was a part of our purchase transaction on our at the time primary residence. This was a joint loan with myself and her. I was first borrower on the home equity loan. We got divorced in XX/XX/XXXX. Per our divorce decree she would keep the house and make all payments. Earlier this year XX/XX/XXXX, I had applied for credit to find out that the loan had be charged off by Suntrust Mortgage. I contacted Suntrust and they will not help me. I did not receive one phone call or one notice about the loan being late. I would have happily made the payment as it was only {$84.00} per month. I have had the same phone number for 20 years which they have on file and they also had my correct mailing address. It seems like with me being on this loan I should have received some type of notification about payments being late.So now my perfect credit has been ruined at no fault to my own and I can not get any help from Suntrust Mortgage. Any assistance that can be provided would be greatly appreciated as having a charged off mortgage loan on your credit report is a major thing and will effect me ever being able to buy a new home again.
|
| 08/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
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I am trying to get a HARP Loan from XXXX, but my equity loan is with SunTrust.
This problem between the XXXX banks has been going on since XXXX 2015.
SunTrust was supposed to sign a Subordination for my Equity Loan.
I sent my check on XXXX XXXX for {$250.00} with the paperwork from XXXX bymail to the bank. Three weeks later they did not receive it. I then tookthe paperwork and new check to the bank and gave it to the branch Mgr, XXXX XXXX.
I just received another letter saying that the they would not sign thepaperwork because they did not receive the check or paperwork. I havecashed check! It was cashed on XXXX XXXX. XXXX said they could notaccept the canceled check I had in my hand! This is the bank thatactually cashed the check out of my account. So once again I went to thebank and handed a new check and paperwork to XXXX XXXX XXXX XXXX Florida. This again is holding up the HARP loan from XXXX.
It 's been 4 months because they have either lost or ca n't keep theirpaperwork in order. Then they sent me a letter saying they did n't think Icould meet my financial obligations. Which I have been doing for thepast 20 years and my FICA score is XXXX. Then they sent me theMISSING check back in the mail.
|
| 08/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
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An item has been in dispute with Suntrust for quite sometime now, XXXX from XXXX onXX/XX/XXXX, it is now XXXX, over 90 calendar days since dispute filed. Dispute reps initially claimed they did not receive required information in time, they needed to know what missing item is, which was already included in claim and shows it in online banking under support, claim number XXXX. XXXX, claim rep, sent me a letter requesting this information as well, I left several messages for him, none were returned. A temporary credit was issued on XX/XX/XXXX after complaints were filed in regard to claim status/temporary credit. Suntrust seems to drag its feet when it comes to claims and their resolutions. An overdraft fee was charged for the XXXX item on XX/XX/XXXX in the amount of XXXX, I was told by several claim reps this will be credited back when claim is resolved. Claim is still awaiting resolution, has been on going for several months now and should be resolved as well as credit of overdraft fee. The package from XXXX arrived with item missing from it, XXXX will not honor claim and XXXX refuses to cooperate in resolution. Please DO NOT mark this complaint as duplicate, there is additional information contained
|
| 10/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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I was in contact with this bank a number of times and sent email messages via online cash manager about fees applied from the bank on this account. My last interaction was with XXXX and XXXX via chat at XX/XX/XXXX about the status of the fees and the account closing. I was told that fees would be applied and that I had until XX/XX/XXXX or 60 days from the account being overdrawn ( this excludes weekends ) to pay my account or wait until the fees were applied. On XX/XX/XXXX I log onto my account and to my shock they closed this account on XX/XX/XXXX. I called their worthless team of reps and even spoke with something that claim they were a supervisor and he stated that you now can close the account when ever. This was great information AFTER THE FACT of being told different. I am very livid with this bank and will file with the attorney general office for damages because can not change any account info due to contracts and sponsorships. I was also told that the mainantance fee would be waived and also one more fee. I am now being told that this is not the case and the account may be closed at any time. What is the point of having a customer service team!? To misinform you and now my account is closed.
|
| 03/24/2015 |
Yes |
|
- Settlement process and costs
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|
Web |
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I applied for a loan modification with Suntrust Mortgage. I qualified for an modification option to convert from an ARM to a fixed rate mortgage. I was 6 years into the mortgage. I am a divorced mother of XXXX and ex-husband was on original loan. In divorce he had to quit claim as I did on his property.
Suntrust required him to sign modification application but then when presented with quit claim, allowed me to proceed without his signature. I have completed the 4 month trial period and loan mod docs have been sent to me.
Problem : They are now requiring ex-husband signature now. He is an unfriendly/uncooperative party and is trying to leverage his signature with his lawyers for a percentage ownership in the property and other stipulations.
Suntrust will not let me sign alone even though I made the application alone and the calculations were based on my income alone. I need them to be compelled to allow me to sign alone.
If I ca n't execute this modification I will have to default as I owe 6k on demand to go back to the original structure. The ex does n't care about defaulting he has family money and many lawyers. Please help me compel Suntrust to allow my sole signature on this modification.
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| 08/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
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This complain is against XXXX which is owned by SunTrust. I applied for an application with XXXX on XXXX XXXX, XXXX and was denied for no valid reason. I received an email stating I was denied for income and credit reasons but my XXXX XXXX is over XXXX with no derogatory items on my credit and my income is over {$220000.00} a year with less than 20 % debt to income ratio. Therefore, its impossible for me to be denied based off credit and income but when I called in to XXXX to try to get a clear explanatino for the denial no explanation was given to me. I was told I would receive a call back from a XXXX but no XXXX ever called me back. When I called again to let them know a XXXX never called me back they still refused to transfer me over to a XXXX. I just want a clear reason for why I was denied and I know I will never receive a reason a valid and just reason because XXXX wrongfully denied my loan and every time I try to get someone to look at my file they just brush me a side. I work in the lending industry myself so I 'm very familiar with lending guild lines and principles. I am hoping CFPB can get their attention the way I am unable to and demand a reasonable answer. Thank you for your time.
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| 05/17/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
On the evening o f XX/XX/XXXX I re viewed my account and became aware that it was in the negative. At the time there were XXXX pending items - {$26.00}, {$24.00} and {$11.00}. The pending items as listed were included in the negative balance. I immediately transferred {$80.00} from my savings account to cover all of the pending items and have a positive balance in the account. The next morning my account was again in the negative. No additional charges beyond the pending items from the night before had posted. Suntrust chose to post the XXXX pending items prior to crediting the transfer deposit of {$80.00}. This is both unfair and deceptive because when I transferred the {$80.00} my account reflected a positive balance- that there was sufficient funds to cover the pending items and have a positive balance. However, by Suntrust posting the pending items first ( knowing that there was money deposited to cover them ) you balanced my account in such a way that maximized the possibility of overdrafts. Again, unfair and deceptive. I am requesting that Suntrust immediately refund {$100.00} charged to me as overdraft fees on XX/XX/XXXX . Thank you for your immediate attention to this matter.
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| 01/14/2016 |
Yes |
|
- Loan modification,collection,foreclosure
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|
Web |
|
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I filed a Ch. XXXX Bankruptcy in the XXXX XXXX of California on XXXX/XXXX/XXXX and after completing the plan was discharged on XXXX/XXXX/XXXX. The Trustee noted a property mortgaged by SUNTRUST MORTGAGE as " REJECT & RETURN '' and by Order of the Court, the property was returned to SUNTRUST MORTGAGE and subsequently sold.
XXXX currently reflects SUNTRUST MORTGAGE as a " Negative Account, Closed Account '' however it continues to report the status as " Wage Earner Plan ''. XXXX reflects negative payment history entries for SUNTRUST MORTGAGE for the month of XXXX XXXX, during which I filed bankruptcy and for XXXX XXXX, the month I was discharged from bankruptcy.
XXXX currently reflect SUNTRUST MORTGAGE as " Potentially Negative Closed ''. It continues to reflect the " Payment Status '' as " Making regular payments under XXXX. '' I have disputed the incorrect information with XXXX and XXXX on numerous occasions to no avail. On XXXX XXXX, XXXX, I mailed certified letters to three SUNTRUST MORTGAGE addresses, the address listed with the Bankruptcy Court and the addresses listed by XXXX and XXXX, respectively. I am seeking your assistance to resolve these inaccuracies and correct my credit reports.
|
| 07/16/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The XXXX . It has been over a period of five years since XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
|
| 08/16/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
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I had a XXXX on XX/XX/XXXX and was Out of work for 6 to 7 months. I contacted the bank and asked for help and I spoke with XXXX XXXX whom said she was the client foreclosure prevention representative who would help me with resolving the matter. I was encouraged to apply for a modification. I applied for a modification and got approved for a forbearance for the months XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, but I didn't have the full amount due which was for 7 months. I spoke with the preservation client representative and advised that I didnt have the full amount due for the entire 7 months but only a portion of the amount {$5400.00}. She advised me not to send in the money, that I had to fill out a new application form for the modification and she was going to mail it to me and she would review it and respond back in 30 days. She sent the application, I filled it out and sent it back then I received a notice from the bank saying the modification was unapproved and I only had the option to do a short sale and I had to reply by XX/XX/XXXX to accept the offer to do the short sale. I looked for an attorney that practices in foreclosure prevention and located the XXXX XXXX XXXX and asked for help.
|
| 04/02/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
1. Two employees at SunTrust bank said that my mother did not have an account with them in XXXX XXXX of XXXX.
2. We did not receive any late notices until XXXX of XXXX we received a notice of right to cure default {$6600.00} due on the XXXX.
3. We called SubTrust and spoke to employee XXXX, then XXXX I asked if we could have paperwork on the account and was told there wasnt any paperwork it was their mistake and we would never hear from them again, Monday XX/XX/XXXX.
4. On XX/XX/XXXX we recieived a letter from a debt collector attorney representing SunTrust a XXXX XXXX, I told him I wanted to see paperwork was that too much to ask he said no I asked if he could send it to me he said no not if I wasnt going to do anything he wasnt going to waste his time, I said ok I will and then it came in a summons on XX/XX/XXXX and there was a promissory note that I had not seen before.
5. I filed a complaint with the attorney general office and a representative from SubTrust called me XX/XX/XXXX, she said we would hear from them in 15 days or less, I have called their team to find out if they have any paperwork on the account and they are still working on it, we just need some answers to save our home
|
| 03/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
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OnXX/XX/XXXX the bank contacted me because of suspicious activity on my debit card. On XX/XX/XXXX at XXXX, the case was filed, I was told money would be refund in 3-5 days. I contacted the bank on the 5th day and was told I would have the money the next morning. I then called on the 6ty day, no resolution. I went into the branch in the 7th day and spent 4 hours. Both the bank employees and I were given the run around on the phone. Finally, I was told by XXXX XXXX, a supervisor, well we haven't even gotten around to assigning the investigator yet so dont hold your breath for your money ''. In the meantime, I have contacted all the disputed charges amd confirmed that the names, addresses, and shipping info are nowhere near my own for any of the charges being disputed. Now we are in the 9th day, I keep getting the run around. I was just called by a XXXX XXXX in the client advocacy department only to continue getting the run around with no resolution. XXXX told me that it will now be another 15 days before I am even contacted to discuss the situation. I am a single mother and my daughter is literally without food because no one at this bank can give me accurate information or resolve the issue.
|
| 02/22/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
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XX/XX/2015 I opened a complaint with Suntrust regarding fraud on my account totaling {$470.00}. The purchases were made over XX/XX/XXXX-XX/XX/XXXX. Not only were the charges made with vendors completely outside my purchase history, I provided my alibi of corporate payroll proving I was clocked into my work. Also, I tracked down multiple receipts from the actual vendors, XXXX being one in particular, which has every pattern of fraud one could think of. XXXX Salads, XXXX cans of motor oil, etc ... In addition the receipt shows a card not in my name being declined before mine was accepted for the purchase. Even with all the proof I gave to Suntrust and signing an affidavit affirming the transactions were not authorized by me or by any person acting with my authorization, knowledge, or content, Suntrust has denied my claim 4 times over the last 9 months. First was because the purchases " were in the region in which I was living '' and more recently because they are saying there is there is no way to prove there was a duplicate card or that someone did n't have my actual card with my approval. In addition, the revoking of my provisional fraud credit caused my checking account to overdraft twice.
|
| 10/03/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
This is a complaint against SunTrust bank and it's unscrupulous, inhuman and unethical business practices. SunTrust bank is closing my checking and savings account without giving me any notice or reason why they are closing my account and they are not letting me access my account whatsoever and they also blocked my debit card for me not to spend my own I repeat my own money. There were several transactions on my account that that needed validate on just to make us I was the one making those purchase which I validated and they are still bent on shutting down my account. Right now I am out of state with no money and food to eat for several days now and can not do anything nor move anywhere as a result of the situation SunTrust bank has put me in. I am starving and XXXX going through a lot of emotional, psychological and financial breakdown due to the inhuman treatment SunTrust bank has netted out to me. I did not do anything shady or suspicious with my bank account whatsoever. I have tried to resolve this issue with the bank on several and several occasions for them to release my money to me as I am not owing the bank but they would not listen. This is my story and just wanted to be heard.
|
| 10/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Problem with cash advance
|
|
Web |
|
|
The man named XXXX with LightStream Finance Company said, & texted me " congratulations you are approved for a {$5000.00} loan, & that the payment would be {$180.00} a month ''. He " XXXX '' said, because they have had so many problems with people keeping the loan money, & not making the payments " Stealing '' the funding money from the company. They developed a verification process I need to follow in order to get the {$5000.00} deposited to my account tonight. He said i needed to go to XXXX XXXX XXXX, & purchase 2 XXXX XXXX, or XXXX XXXX Gift Cards. He said buy 1 gift card for {$450.00}, & 1 for {$250.00}. So I did, & the transaction was declined. He said " don't worry about it is ok, because the Bank probably put a limit on my withdrawal amounts. He said now drive to the bank, & by the time I get to the bank their accounting department will have everything straightened out. He said the accounting department put more money in my account, and they need me to get {$1500.00} in cash from the teller. Then go back to XXXX buy 3 {$500.00} a piece XXXX XXXX XXXX. He said then I am verified by their accouting department, & they can deposit my {$5000.00} loan funds in my account by XXXX XXXX.
|
| 02/20/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have an account with SUNTRUST mortgage since 2005. I have never been late on the payment because my payments are automatically withdrawn from my account. For the past XXXX months i have been charge late fees due to errors in the SUNTRUST mortgage department. I am being told that payment are put in some sort of account because Suntrust reports they did not know where to apply the funds. Their response is very questionable since the draft payment have the mortgage account on it. I have called and have the error corrected in the past. but the problem continue to happen. I am in the last phase of paying off my home and based on evidence based actions from the bank and on my experience, the Bank is making errors so that it will not happen. I am not sure what other options I have since I am soon to be in my XXXX 's and not sure if i will qualify for another mortgage. I am very concern I maybe the subject of elderly discrimination with this bank. Please review my complain and advise what are my options. Also after speaking to the Bank representative, they want access to my account. I am very concern and will not permit the Bank access to my account because of the potential of Banking errors.
|
| 12/21/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a mortgage with Sun Trust Bank ( Mortgage # XXXX ) that was issued in XXXX 2015 that includes escrow payment. I was therefore shocked to get a delinquent taxes notice from the county on the same loan for {$2700.00}, plus penalty and interest payments for {$130.00} ( total {$2800.00} ).
I called Sun Trust to complain about the late payment assessment in XXXX, I was transferred to several people, and none of them were able to provide a reason why a loan with an excess escrow balance could be assessed a delinquent tax penalty.
Sun Trust then sent me a statement and check ( for {$2500.00} ) one week after I complained about the delinquency assessment stating that my account has excess escrow payment in it.
I called Sun Trust again today XXXX XXXX/XXXX/2015 XXXX to follow up on the matter, and after over 1 hour of being transferred to several employees, none whom were still able to explain the delinquent penalty of {$130.00}. They finally tried to claim that it was my fault because I should have been following up with taxes authorities to make sure that property taxes were timely paid. Is a mortgagor responsible for timely payment of escrowed amounts for a non-delinquent mortgage?
|
| 03/31/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Taking out the loan or lease
|
|
Web |
Older American, Servicemember |
|
My father is a XXXX veteran XXXX. Recently his XXXX van broke down and needs to be replaced. My father is XXXX XXXX and receives benefits from the VA. He has the funds to purchase a van, but with his XXXX, it does n't need to be brand new $ 20,000- {$30000.00} vans from car lots. I have been finding great deals from individuals that have lost loved ones and no longer need the vehicles. THE PROBLEM we are running into is the vehicles are not appraising through kelly blue book for the loans, because the banks will not consider the XXXX adaptions that have been added. I even had the receipt where the equipment was added in XX/XX/2009 for {$30000.00} for XXXX of the vehicles i was trying to purchase for {$11000.00}. and they still denied it because the plain van only booked for {$5200.00}. What about the {$30000.00} that was added to it??!!!! I am amazed that dealers can sale these at car lots and will go right through the bank, but someone that needs to sale it for hardship and MY FATHER NEEDS IT!! i do not want to go out and buy a {$30000.00} car for someone that is as sick as my father is. Then i will be XXXX of these people that ca n't sale it to anyone BECAUSE banks wont loan on them.
|
| 09/26/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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I turned XXXX and opened a checking account with Suntrust Bank. I was told that there is no fees of any kind. My dad was also with me. Then I started to notice $ XXXX/month being taken out from my account. I was never told of this fee at the time of account opening. I went back to the branch where I opened and talked to the person who opened the account. He said it is for paper statement. I asked him to be removed and make it 'no paper ' statement. He said he can not do it and I have to do it myself. He send a link to me to do it. It did not work and again after a few months I went back to the bank. He said that link was no good and so he again sent another link. This also did not work. This happened back and forth 4 times. The bank employee knows it that I went several times to him.
Meanwhile the bank keeps on taking my $ XXXX/month. I called call center but to no help. My dad also tried at the branch and nothing worked. I believe the bank purposefully make this difficult so that they can get lots of my money. Also I keep wasting my study time every time I go to the bank. I tried everything and nothing I could do to remove this $ XXXX/month charge and the bank will not do anything.
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| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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On XXXX/XXXX/XXXX SUNTRUST, my bank took out an overdraft charge when I had sufficient funds in the account for the purchase in question. I had {$53.00} in the account and I made a purchase of {$41.00} and the bank applied a {$36.00} overdraft fee for that transaction. Had that overdraft fee not been applied unwarrantedly then my next purchase that cleared for {$10.00} would not have taken me into the negative either because I had {$11.00} in the account still. I DID overdraft the account at that point. I had not realized that I was in the negative and made an XXXX XXXX purchase which I over drafted for and since then they have charged me two more overdraft fees for a grand total of a negative balance of - {$110.00}. I do not understand why i was charged the initial overdraft when there was clearly enough money in the account to cover it. Also, I have never heard of an extended overdraft fee and I have been charged an ADDITIONAL {$36.00} for not bringing my account balance to XXXX within 5 days. Last I checked most of middle class and poor Americans like myself get paid every two weeks. And how can a bank punish someone further for not getting their account back to XXXX QUICK enough?
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| 11/09/2016 |
Yes |
- Bank account or service
- Checking account
|
|
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Web |
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I walked in to the Suntrust bank in XXXX XXXX XXXX, which was actually my birthday because I my father sent me some money to put down on my new car that I leased and also to collect the funds from some returns that were posted from XXXX, from my debit card issued by Suntrust and when the the returns posted to my account, I walked into to the branch to withdraw the funds and the teller informed me that they needed to verify these return and froze my account suspecting fraud. I felt that I was racially profiled and being accused of committing an act of fraud when none such incident occurred. I provided the branch manager with all the documentation supporting these transactions that could 've been easily verified by XXXX credit department themselves, but the bank still refuses to unfreeze my account and release my funds. I visited the branch multiple times and called customer service demanding answers and a timeframe but instead was given the run around. The manager at the Sun trust racially profiled me because of XXXX and assumed I was up to fraud when it 's actually the total opposite. I gave them everything they needed and they still refuse to unfreeze my account without any updates.
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| 06/08/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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My bank neglected to notify me that my escrow was behind.
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me.
I made my payment every month for the amount I thought was due.
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me.
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments.
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused.
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees.
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments.
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| 11/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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I am a customer of Sun Trust Bank XXXX XXXX XXXX branch. On XX/XX/2018, I submitted a check ( I am the beneficiary of the check ) amounts {$1500.00} and asked about whether the check has a risk to return. Also, I asked if it returns there is going to be or not any fee on me. The employee informed me that if the check is deposited in the following hours it means there is not any risk of return. Then, I asked when the amount can be deposited to my account and she told me that I should check my internet banking for the following hours.
When I saw that the check is deposited in my account and my balance increased in the amount the check I spent {$1300.00} due to trusting this deposit. Then, on XX/XX/2018, the bank returned the check and I lost my {$1300.00}. I applied to the bank for compensating that amount but they explained me that the deposited amount is a courtesy fund of the bank and it is debited if the check returns.
However, as a consumer, this information was not provided me. In contrast, by depositing the amount in my account and by being informed that if the check is deposited there is no risk of return, I am misinformed. I request you to make bank indemnify my loss.
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| 06/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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As a victim of hurricane Harvey ( XX/XX/XXXX ), SunTrust bank granted me a forbearance. A letter dated XX/XX/XXXX set out the terms of the loan modification. At which time, I followed all of the terms of the agreement which was to begin paying my loan back at an amount of {$780.00} beginning XX/XX/XXXX. According to my payment record from SunTrust which I can provide, my payments were applied on time and were never late. Now Suntrust is reporting 6 months late on my credit as if XX/XX/XXXX. Ive tried numerous times to explained to untrained associates that this was not correct and that a glitch in their system caused all of my payments to be refunded, which I promptly returned along with the current payment due. I have provided dates of my payments and of letters I received outlining the terms of the agreement. All to no avail. Ive disputed through the credit reporting agencies, To which SunTrust responds with dispute resolved and a comment that is irrelevant, such as fixed rate. Their negligence is affecting my ability to financially and emotionally recover from this tragic storm. I do not want to see anyone else become a victim of their inefficient and ineffective processes.
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| 09/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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In the month XX/XX/2019, I missed a mortgage payment. My monthly mortgage payment is {$1800.00} each month. On XX/XX/2019, I sent {$2000.00} to pay my late XXXX mortgage. On XX/XX/2019 ; Suntrust returned my payment saying they could not apply the {$2000.00} dollars and the new increased mortgage payment was {$4000.00}.
On XX/XX/XXXX, I paid Suntrust {$2000.00} and XX/XX/XXXX, I paid Suntrust {$2000.00} dollars.
On XX/XX/XXXX, I received another returned payment from Suntrust Bank of {$2000.00} dollars and Suntrust says they could not accept or could not apply the payment of {$2000.00} dollars I sent them. Suntrust, now says the new increased mortgage payment is {$4100.00}. I am both tired and frustrated about this fraudulent game Suntrust Bank is playing to return my mortgage payments each month. When I send Suntrust my mortgage payment each month, Suntrust returns the payments as if I did not send them any payments at all. Then Suntrust fraudulently applies a late fee each time ; and fraudulently reports that I am not making any payments to my mortgage. This fraudulently reporting is also affecting my credit. Please Stop This is Fraudulently Activity within Suntrust Bank
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| 05/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My checking account with Sun trust Bank went overdraft due to a payment I made to a collection company, I only had available {$77.00} when the {$100.00} payment was withdraw from the account creating an overdraft. Ad ditionally, the bank charged me a {$36.00} overdraft fee for an automatic insurance added by them and XXXX .. for being extended overdraft. I 'm supposed to deposit {$180.00} for overdraft of which {$140.00} are fees. I called the customer service line, and they declined to make the adjustments even though the valid amount of money I am overdraft is less than XXXX .. Needless to say, {$140.00} overdraft fees in a week is detriment to the consumer and if do n't have the {$180.00} to deposit now they told me I was going to continue to receive a {$36.00} every 4 days until I covered the overdraft amount. How do you allow a bank to charge those excessive fee 's. I am trying to pay my bill, s to catch up and this crazy overdraft fee policies will impede me from paying, or even buying food for me and my family. I understand I went over for not checking the available balance but a {$140.00} for having less than {$50.00} dollars in my checking account is outrageous.
|
| 04/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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|
Web |
Older American |
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I moved from Colorado to Florida in early XX/XX/XXXX and opened a checking and savings accounts with Suntrust in XXXX XXXX Fl. I deposited a cashier 's check issued by XXXX XXXX XXXX XXXX ( escrow refund ) in the amount of {$3100.00}. I went to Suntrust on XX/XX/XXXX and was told that my account was on hold because the cashier 's check was fraudulent as of today Suntrust is refusing to return my funds. I have talked to several people at the XXXX XXXX bank and had many phone calls with the XXXX TN office and all I'm told is the cashier 's check is fraudulent and I won't be getting mu funds back. This is just wrong. I have also had a number of conversations with XXXX XXXX XXXX ( XXXX ) XXXX, e-mail XXXX. I talked to XXXX XXXX on Friday XX/XX/XXXX and she said the both the fraud and mortgage departments have assured her that the cashie 's cash is good. This has been an up hill battle and Suntrust has done nothing to try and resolve this issue. I was told that there was a note in my file that they contacted XXXX XXXX XXXX and were told the cashier 's check was fraudulent. This is completely untrue. I just want my funds back and any assistance you give me would be appreciated.
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| 06/06/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Account opened as a result of fraud
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|
Web |
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1 ) On or about XX/XX/XXXX I attempted to open a checking account with Suntrust bank. I made a {$100.00} opening deposit from my current XXXX XXXX XXXX account.
2 ) On XX/XX/XXXX, Suntrust bank stated that they could not fund my new account. On or about the same date, they returned my opening deposit in full to my XXXX XXXX XXXX Account.
3 ) In or about early XX/XX/XXXX, I received a checking account statement from Suntrust bank. I contacted them via their online contact form notifying them that they had not opened my account.
4 ) In or about early XX/XX/XXXX, I attempted to gain online access to the Suntrust checking account via their online banking service. On XX/XX/XXXX, they notified me that they were unable to open the account because they did not have all of the required documents.
5 ) On XX/XX/XXXX, I received a checking account statement from Suntrust bank dated XX/XX/XXXX showing a - {$3.00} balance. The statement consisted of a {$0.00} opening balance, 0 transactions, and a {$3.00} paper statement fee. When I attempted to open the account, I opted for electronic statements. Further, Suntrust never opened the account or allowed me access to the account.
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| 08/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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Web |
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On XX/XX/2019 I received a letter from SunTrust Bank stating that I needed to provide evidence of flood insurance for my condo. On XX/XX/2019 I uploaded to the SunTrust secure website evidence of flood insurance provided through the XXXX XXXX XXXX XXXX per the instructions provided in the letter I received. On XX/XX/2019 I received a 2nd letter stating they had not received evidence of flood insurance for the condo and that they were going to force place flood insurance. I called the SunTrust insurance departmeny on XX/XX/2019 and the representative acknowledged they had received the evidence of flood insurance and he was going to escalate the issue. On XX/XX/2019 a {$4900.00} flood insurance policy was forced placed on my condo and my escrow account was charged the premium. On XX/XX/2019 I contacted the Suntrust insurance department and they again acknowledge they had received evidence of flood insurance on my condo and they were escalating the issue and to check back in 3 business days. On XX/XX/XXXX I contacted them again and they said they would contact me back with an update. As of today, XX/XX/XXXX, I have not been contacted and the issue has not been resolved.
|
| 09/05/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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My son had a checking account with SunTrust Bank in Georgia. I am the parent and my name is also on the account. Son and/or Mom owners of the checking account. My son had his debt card and driver 's permit stolen from his wallet. Bank sent overdraft notices to home. I took notice to bank on XX/XX/2018 asked why were transactions deposited in and withdrawn out of our account. We filed a police report of the lost items from son 's wallet on XX/XX/XXXX. Son had not noticed that items were missing until I asked him to see his driver 's permit. On XX/XX/XXXX I filed a report with the Fraud Department at SunTrust.
Thieves deposited three checks totaling XXXX and withdrew {$9300.00} on different times and mode occurring on 8 days between XX/XX/2018 and XX/XX/2018.
SunTrust Fraud Dept. had police confirmation that the man that withdrew {$5000.00} in an over-the-counter transaction was not my son. On XX/XX/XXXX, the thieves were making over-the-counter withdrawal, ATM withdrawal and grocery shop. My son 's XXXX teacher confirmed my son was in class.
SunTrust Bank took {$6.00}, XXXX from my husband and my savings account to pay for what the thieves stole from the bank.
|
| 04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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- Problem with the payoff process at the end of the loan
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Web |
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I have funds in my Suntrust account that will allow me to pay off my loan with their lending company, LightStream. I went on Suntrust 's account to transfer the money, but the site would not allow me to do that. I went onto LightStream 's website, and it would not allow me to make a same day payoff. The earliest I could payoff my loan was Tuesday XX/XX/23. Not wanting to be charged additional money for this, I called. They, too, said I could only make a payoff for Tuesday XX/XX/23. I advised I did not want to pay the additional interest, and they told me unfortunately that is their policy and I will pay around {$8.00} extra in interest because of this. I spoke with a supervisor, who also said I would not be able to pay my account today. I had to schedule something for Tuesday XX/XX/23. I called a local Suntrust branch to ask if I could go to a branch to payoff my account in person, but I am not able to do that, either. I believe this is an unfair and deceptive practice. Although this amount may seem trivial, when multiplied over their customer base it becomes quite the scheme. I believe that if I want to make a payment for today 's date, it should not be refused.
|
| 12/16/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.
|
| 06/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Suntrust has unreasonably frozen both my business checking account and my personal checking account. I opened my personal checking account a couple of months ago and have maintained a {$500.00} balance for the past month. The account still holds a {$500.00} balance that is unreasonably frozen. My business checking account was opened on XX/XX/XXXX and received a {$300.00} credit on XX/XX/XXXX. The account was inexplicably frozen last week and I'm not given any information as to why.
I called Suntrust twice on Friday, XX/XX/XXXX. The first time, I was told that my accounts had been frozen and that I'd need to go into a branch and that was all the info they could provide me. The second time, I was told a similar thing but that the office that handles the issues was closed for the afternoon and so I should call back on Monday. I called back on Monday, XX/XX/XXXX and, again, I was told that I'd need to go in a branch and no information could be provided to me over the phone.
I am currently in Texas and do not have the opportunity to go into a branch. The nearest branch is an 8 hour drive away. I need both accounts to be unfrozen so that I can access these funds.
|
| 04/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Since XX/XX/2019 we have been trying to get SunTrust Mortgage to release our insurance funds from Hurricane Michael. After weekly calls we are continuing to get different stories and different instructions. They have stalled to the point we are paying our contractors out of our pocket. To date this amount is close to {$50000.00}. We have submitted checks that clearly show the out of pocket expenses and still no reimbursement. First they said schedule a Inspection so we did. After 2 weeks we called back to find out when inspectors were coming to be a told the Inspection had been canceled due to not being able to contact us. They rescheduled Inspection and a week later we called to find out it was again canceled. At this point after checking both of our phones I responded I would go to XXXX to pull our phone records and prove fraud on their part. A lady contacted me the next day for Inspection. The following day the lady showed up with her children along to do Inspection. This was almost 2 weeks ago. The day after the Inspection we received an email stating the inspector had canceled the Inspection. Even though the Inspection had been completed the day before.
|
| 07/08/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I am writing this letter to dispute several unauthorized charges in the amount of {$9300.00} on my Suntrust XXXX account. These charges begin XX/XX/XXXX from a merchant by the name of XXXX and extend to XX/XX/XXXX from a merchant by the name of XXXX 5 totaling {$10000.00}. I have been ill and have been negligent in checking my statements. I was unaware of my rights and have been paying on this credit card for the past year. I originally called to file a dispute on XX/XX/XXXX but was placed on an extensive hold and given a number that was disconnected. I am including documentation to supplement my claim. Because I have been ill and in and out of the hospital, I recently discovered that my line of credit on this card has severely been misused. As stated, I was not aware of what steps I could take, give the time frame but a fellow Suntrust customer told me that I can write a dispute letter.
I am requesting that the error on my account be investigated and corrected, that any finance and other charges related to the disputed amount be credited as well, and that I receive an accurate statement.
Enclosed are copies of the disputed charges supporting my position.
|
| 09/28/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I went to Suntrust Bank to order Checks and the teller started asking me all these question and I assumed it was for submitting the right information on the checks. She never asked me anything about applying for a credit card. a week later I called to see about my check order because I have n't received them yet. They told me to go to back to the bank to see about the order and they told me that no checks had been ordered. A week later I received a letter in the mail denying an application for a credit card from Suntrust Bank. I took the letter to the bank to see the teller. The teller who was suppose to order checks for me was n't in and a representative took my complaint. She explained that it was the manager who applied for a credit card in my name. The representative took my complaint and explained the manager had no authority to apply for a credit card in my name or for me, because she was n't a sales representative. I then called the bank 's customer service and filed a complaint with them. Later that day I tried using one of my credit cards and it was denied and it was available credit on it.This may have a ripple effect on my credit with my creditors
|
| 07/08/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On late XXXX or XXXX XXXX of this year ( 2016 ) I received an annual escrow account disclosure statement from my mortgage lender, basically saying that they have reviewed my escrow account and the determination was that I had a surplus of {$3700.00} and a check will automatically be mailed within 30 days ( statement date was XXXX/XXXX/16 ). Exactly the same situation happened last year, I had an escrow surplus, a check was going to be mailed within 30 days and I did n't receive any check, either last year or this. They lie to me when they told me that last year they mail a check and because the check was not cash, it was deposited back to my escrow account ; the escrow account activity does n't show any withdrawal to reimburse me with the excess escrow funds. And this year after I called XXXX today ( XXXX/XXXX/16 ), they are revising the account again, even I have the statement from them confirming the surplus and reimbursement within 30 days.
My mortgage company is SunTrust Mortgage. I believe they do unfair and deceptive acts and practices, use false and deceptive statements to withhold client 's funds in violation of homeowner 's rights and protections.
|
| 11/17/2015 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Mortgage loan process with SunTrust Mortgage began on XXXX XXXX, 2015. Contract specified 60 days to close. Due to numerous delays, as provided in the attached documentation, closing was delayed by 14 days. Additional expenses were incurred as a result of inefficient communications between me as the consumer and within the SunTrust mortgage organization, a two week time frame in which the application just sat on the desk of the both the loan processor and the underwriter, submission of blurred copies of vital XXXX forms when clear copies were originally submitted with the loan application ; submission of appraisal documents that were not in compliance with XXXX requirements when the correct documents were available, and a completely disjointed closing process that resulted in further delays. These expenses are detailed in the attached letter and supporting documentation. While the XXXX program is designed to help those who need 100 % financing to secure decent, affordable housing, the process SunTrust employs to evaluate these loan applications could be considered discriminatory against those who are economically and educationally disadvantaged in our area.
|
| 08/02/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
Servicemember |
|
I have consistently tried to manage my loan with SunTrust Bank over the years of this loan with them. I have been struggling to make payments. It is important that I be given consideration to keep my car. It's the only means of transportation I have. It will greatly impact my ability to get around to doctors appointments as a veteran.
I have a XXXX XXXX XXXX XXXX.
Yes, I have missed payments ; however I have always made up for the missed payments. After I called them about my car possibly being repossessed the person name XXXX didn't offer me any remedies to prevent the repossession.
As a veteran, I have to have access to a vehicle and I do not have family members living in XXXX, who can assist me with transportation.
I spoke with a representative on XX/XX/XXXX. They can be contacted at XXXX.
They aren't willing to give me more time to make up the past payments. I have until this week. Which is extremely stressful and impacting my health. I work on contract and only get paid through a contractor.
Please help with this serious matter. I believe a lower amount monthly would be most helpful. I have had my car since XX/XX/XXXX and willing to pay it off.
|
| 12/07/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
Beginning on XX/XX/2018, a small withdrawal was made from my savings account in the amount of {$.00}. Then beginning on XX/XX/XXXX through XX/XX/XXXX 33 other transactions were unauthorized by me, the owner of the account, were made. Transactions of {$5000.00} or more were made in one day, specifically on XX/XX/2018.
Not only did this fraud completely wipe out my entire savings ( 5-digits ) but Suntrust Bank authorized so much fraudulent activity that my account went 5-digits negative 5-digits. I found this activity on my own when checking my account on the evening of XX/XX/2018.
I called and reported this immediately after discovering the fraudulent activity in my account. The woman on the phone didn't advise me in any way on what the process would be for my claim or how the bank would move forward with my case. One of the affidavits sent to me didn't even have the right amount on it.
This is completely unacceptable for a bank to not catch 33 transactions within a 2 week period that have fluctuating withdrawals that range from .01 $ to {$10000.00}, especially when these large withdrawls were being authorized while the account was already wiped clean.
|
| 11/12/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Im currently the conservator/guardian for a protected person the guardian/conservator on the accounts with the accounts with protected person died. SunTrust Bank closed all banks in XXXX XXXX and I was informed that I needed to send all documentation to the Legal Dept. in XXXX XXXX which I did overnight. Legal received all documentation a week ago and Ive yet to hear from them. The documentation that they received was the court order to release all funds and account information to me as the conservator, death certificate of the previous guardian/conservator only with social security numbers of both the protected person and previous guardian/conservator on the two accounts. The protected person is now in Minnesota and is need of the funds in her accounts and these funds are being withheld. Ive now been inform by a supervisor of SunTrust that I will have to go to a branch office to present the documentation in order for the accounts to be release to me. This shouldnt be this difficult, if I was told this before leaving West XXXX I could have gone to a branch office in XXXX. But now Im in XXXX with the protected person and have no means to access her monies.
|
| 05/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On Wednesday morning, XXXX XXXX , I deposited my paycheck in my suntrust checking account. On Thursday, XXXX XXXX , I received an email from suntrust saying that the check was on hold. I contacted them to find out why and was given multiple conflicting answers. My work researched everything they could to find out what was going on, because as far as they were concerned there was nothing wrong with the check and no reason it should be held. Our accounting reps spoke with their bank, the bank the check was drawn on, and discovered that the check had cleared on XXXX XXXX , the same day that I deposited it. The hold was n't placed until the following day. Bank reps from our company bank contacted suntrust but suntrust refused to release the hold. I also contacte d SunTrust, many times, and so did my payroll department. They refuse to release the hold. The check has already cleared, it cleared immediately. Suntrust has taken my paycheck and the funds they received from it and they have stolen them from me. All attempts to communicate with them have failed and despite the fact that the funds have cleared, they are still refusing to release them.
|
| 04/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
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|
A close out check issued from XXXX XXXX on XX/XX/XXXX in the amount of XXXX, it was deposited via mobile app on XX/XX/XXXX, this check reflects the amount left in my checking account with XXXX XXXX. Unbeknown to me, a stop payment was placed on the item for reason ( s ) unknown to me, I am still trying to find out why they stopped payment on the item after they agreed to send check, they do in fact owe me the funds. Check was deposited to my Suntrust account and is now overdrawn due to stop payment, overdrawn amount includes numerous overdraft fees, a total of 14 plus a returned check fee. Due to status of my XXXX XXXX account, there is a special department handling it which works off a voicemail and they do not return my messages. A separate complaint is on file with CFPB in regard to stop payment and status of missing funds. I attempted to reach out to Suntrust executive office in regard to resolution of overdraft fees and returned check fee as stop payment appears to be an error on XXXX XXXX, not my fault. I was unable to reach anyone in executive office, just customer service and a few reps working in different branches. I need these fees refunded
|
| 01/05/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On Sunday XX/XX/XXXX I incurred a restaurant charge on my debit card for {$61.00}. I at the time had an outstanding balance in excess of {$200.00}. This item was listed immediately as a pending charge. On Tuesday XX/XX/XXXX I submitted a return for a purchase that was credited {$22.00} to my debit card from where I returned an item. This credit did not show until XX/XX/XXXX. I also purchased an item for {$8.00}. Again I had an outstanding balance of at least {$200.00}. This item also showed up immediately as pending. On XX/XX/XXXX I had a utility payment to hit my checking account in the amount of {$210.00}, leaving my balance of approximately {$7.00}. It was at this time that the debit charge from XX/XX/XXXX & XX/XX/XXXX were applied incurring XXXX overdraft fees in the amount of {$36.00} each. Due to the holiday a pension check was delayed by a day causing my funds shortage. My issue with SunTrust bank is they debited the largest amount first causing me to have XXXX overdraft fees as opposed to a single overdraft fee for the utility payment. This is not the first instance of SunTrust Bank manipulating the check register to pad fees from my account.
|
| 06/29/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
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Suntrust bank took my money, discriminated against me and my family as well as using discriminatory tactics in our business encounter. They let my XXXX wife access my personal account deposit a check as well as make a withdrawal from my account. Same type check that they closed my account as well as tell me theyre breaking ties with me and im bad for business. At least thats the way i took it especially when SUNTRUSTS reason for their actions was '' They had confidential information that my check was no good ....
that was XXXX. ITS XXXX now. Oh and please let me touch on miss you dont need your money back XXXX XXXX. She stated that she worked for Consumer Financial Protection Bureau, Well. I ask miss XXXX WHO are you protecting ... .. Miss XXXX XXXX said she Respectfully decline my requests.All of Suntrusts disclosures say they may and will put a hold on checks and what have you but there disclosures say they wont hold the item for more than ten days. I have XXXX children under the age of XXXX, and I promise you miss XXXX that my chlidren can not eat that XXXX. Your Fraud departeent said that there was nothing wrong ... ... ... ... HHHeeeLLLooooooo
|
| 09/02/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
Older American |
|
This got to be discrimination, is it because our age iam XXXX and my husband XXXX we apply for government loan through SunTrust bank and we are client of SunTrust bank. we have a personal line of credit with SunTrust bank. and my husband had a credit with SunTrust bank never missed an of our payment in the past. some time on or about XXXX XXXX and the vice president at that bank her name was XXXX XXXX gave us the same for XXXX we pay that loan off in XXXX and the loan was unsecured. so I met with her Friday about the same loan the government that you can not be true down if you home XXXX and she said XXXX XXXX you can go on line they will put the money right in your account this is the second tine that Light stream which is a part of SunTrust have Denial, I just told the vice president that we was going to mover our mortgages over to sun trust bank our house hold debt is with the mortgager XXXX an our appraise at XXXX equity XXXX no car payment of truck payment we got about XXXX XXXX XXXX XXXX and we use the credit card my husband business our credit score go up and down. but the loan before was not base on a credit it was a term loan of 48 month
|
| 06/27/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX CT XXXX, Ga XXXX [ Suntrust Bank ] [ XXXX/XXXX/XXXX ] To [ Suntrust Bank ] : Under the provisions of Public laws 95 109 and 99 361, known collectively as the Fair Debt Collections Practices Act ( FDCPA ) I formally notify you to cease all communications with me in regards to this debt, or any other debts that you allege I owe. Please be advised that if collection attempts continue after receipt of this notice, I will immediately file a complaint with the Federal Trade Commission and the Georgia Attorney Generals office. Additionally, if Im contacted again after receipt of this notice, I will pursue both criminal and civil claims against you and your company for violation of the FDCPA. Please be aware that going forward, after I have confirmed your receipt of this notice, any communications from your company may be recorded to be used as evidence for my claims against you. Also, be advised that any negative information appearing on my credit reports pertaining to this account will be handled with the full legal rights and remedies available to me with regards to current consumer protection laws. Regards, [ XXXX XXXX XXXX ]
|
| 08/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Update to the following complaint. In short, Suntrust did not return all of our money. they still have {$15.00} of our money ( joint account with my daughter XXXX ). She deserves all of her money from fiasco Suntrust created with their EFT from XXXX XXXX. Because of EFTs between XXXX XXXX and Suntrust ( XXXX 's account ) Suntrust took our money and access to our accounts for 21 days. Eventually they gave our money back, except {$15.00} of XXXX 's account. Please return it to her/me.
I have 4 accounts at Suntrust 1. my checking account 2. my savings account 3. a joint account with my daughter XXXX 4. a joint account with my son XXXX.
Late last month on about XXXX, XXXX 's account got a deposit of XXXX dollars. XXXX knew nothing about where it came from so I called Suntrust. I let them know this doesn't look right. Concerned about it, I asked the Suntrust rep to transfer her balance of XXXX dollars to my savings account. That is the last access we have had to all of our accounts. On the following Monday all of my accounts are closed. Suntrust will not give me my money. They put the accounts in hold/closed status and refused to give me my money.
|
| 11/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
I filed a claim recently because while on vacation I dropped my debit card along with other information out of my clutch. One of the cards did have the pin number on it. The representative XXXX that I spoke with told me she made the decision on my claim prior to even speaking with me and when she called she asked me about a police report. I hadnt been fraud before, so I contacted law enforcement within my home area after speaking with her and they advised that I would need to speak to New York State. NY advised that I would need to come back there ; however, I dont live there. So because I didnt file a report I was held accountable for the charges. I pay all of my bills out of my SunTrust account. Honestly you are my primary bank. I pay everything with your bank. I dont know why I am being treated this way. I have had a great relationship with the bank for over 10 years and someone steals my card and use it and it becomes my fault. How will I feed my child or take care of my bills. I am a single parent and I live from paycheck to paycheck and someone stole almost half of my check. Someone took {$400.00} out of my account while I was on vacation.
|
| 11/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
I Bank with Suntrust Bank. I get a daily email telling me me balance. On XXXX/XXXX/2015 I got an email saying my account was overdrawn. I had a balance of over {$1500.00} on the previous day. In looking at my charges I saw that a company called XXXX XXXX XXXX had charged XXXX {$500.00} charges to my debit card. I had my card with me so do n't know how they got my number. I have never heard of nor done business with this company. I called Suntrust immediately and reported this fraud. They said it would be investigated. Mean while my account is overdrawn and I have bills set on automatic draft. Several of these bills have come due and Suntrust is charging me overdraft charges of {$36.00} on each one. I am in a retirement home and the money in this account is all I have. Now I ca n't even buy food or gas. I explained to the Suntrust rep. that I am on fixed income and heeded my money returned to my account. I did nothing wrong but am the victim but yet I am being punished because of a theft to me. I feel that Suntrust should put my {$1500.00} back into my account and then investigate all they want. I did nothing wrong to deserve to suffer like this.
|
| 08/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I went into Suntrust Bank on Wednesday, XXXX XXXX, 2016 and spoke with a representative to open a Checking and Savings account. I had a previous positive history with this bank with over four Certificate of Deposits that I open totally over {$10000.00}. So I get the new debit card in the mail for the checking account and I try to activate it. The card would not activate it was blocked. I went into suntrust bank to speak with a rep and he told me because I owed {$130.00} to the bank they have closed the savings and checking acct and put a block on the card. I was totally outraged, hurt and disgusted. I had just did a opening deposit of over {$4000.00} cash. So the bank rep pleaded to the office to not close my account but just deduct the {$130.00} out of my account. I was shocked and then on top of that I said well where is my cash deposits, I need my money now. Then the representative said Suntrust will mail your funds within 7-10 working days. I said oh my XXXX, you all have left me with no access to my money and my bills are due. They did nothing to resolve this. Now I am left with no bank accounts and money. Could you help me resolve this.
|
| 10/13/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
We have a mortgage with Suntrust and owe more than the the property is worth. We attempted to sell the property for the amount owed on it, but after many months of being listed with a realtor, we could not find a buyer. So we began the short-sale process XX/XX/XXXX and found a buyer ( XX/XX/XXXX ). Suntrust delayed the process so long that we lost the buyer ( it was a XXXX exchange and there was a deadline by which the sale had to close XXXX. We have found other buyers since then XXXX all below what we owe but at fair market value ). Suntrust has not allowed any sale to go through. Then we requested a Deed in Lieu XXXX DIL XXXX and after much delay, Suntrust approved this XX/XX/XXXX. We received a notice in XXXX that we needed to have the property empty by XX/XX/XXXX ( we had tenants in the property ). We asked the tenants to leave and it is now XX/XX/XXXX but Suntrust has not finalized the DIL. The property is sitting empty and our debt continues to accrue. We are no longer collecting rent XXXX to help offset our losses and to keep the place occupied ). We are unable to get Suntrust to finalize the process and are looking for a resolution.
|
| 05/21/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I recently purchased a new vehicle through a local dealership in XXXX, VA. The dealer set me up with Suntrust as my lender ( I 'm not sure if this was based on the lowest rate, or that he was incented by Suntrust to push them - He claimed he got box seats to the Washington Nationals game from Suntrust and was going that weekend ). Once I was approved and my loan established, I registered online ( as I 'm an online / digitally engaged person ) so I could regularly pay my bill there. Suntrust does n't allow online payments outside of having an account with them - So I am now being forced to make a financial decision ( open a new account ) with Suntrust to pay them. I called and asked if I was going to have to pay by phone now and they advised that there is a {$15.00} charge to pay by phone. I was not disclosed any of this information when choosing Suntrust as a lender - If I had known they operated this way, I would have chosen a different lender ( even if the rate was higher ). It feels as though this borders ( or holistically lands in ) UDAAP territory as they did not clearly disclose this information to me in making my financial decision.
|
| 04/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American |
|
On XX/XX/2018, I received wire instructions by email, from XXXX XXXX XXXX XXXX XXXX, an XXXX real estate law firm with wire instructions to Sun Trust Bank. It should be noted the State of Georgia requires all real estate closing to be funded by wire transfer. This way the legal firm, broker, real estate agent and seller receive their funds immediately, while the buyer has no protection under Regulation E.
The day of closing I was informed they had not received the wire. The wire instructions, I received from XXXX XXXX XXXX, did list the account number and amount needed for closing, but the account number on the form belonged to a fraudulent account opened by XXXX XXXX. I had conversations with the Fraud Department of Sun Trust Bank. I was informed the account was being monitored for fraud and I would get my {$79000.00}. I received information about the two branches involved. Then, I was told I am not a customer of Sun Trust Bank and all communications stopped. I wanted to review their account opening processes and training. I believe they were negligent in this area resulting in funds being misdirected at my expense. Notes are attached.
|
| 03/08/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
I have my mortgage with Sun Trust Bank and have had some trying times with these people. Recently I was told by them that I didn't have Home Owners Insurance and that I had a lapse from XXXX XXXX thru XXXX XXXX. I called my HOI insurance agency and they sent proof that I did have HOI with them, they called Sun Trust and we made a three way conversation and the lady at XXXX XXXX advised them that I do have coverage through them and since I have allowed them to automatically withdraw the fee, there couldn't be a lapse. However, Sun Trust didn't wait for proof that I do have HOI and took out a {$45.00} HOI and added it on to my mortgage payment as fax charges!! I have had my escrow since I signed with Sun Trust and I believe they want it so they can add it on to their " cushion ''. I am trying to acquire another mortgage company but it takes time. I check the XXXX and other agencies to make sure don't have a lot of complaints.
I hope you can help to solve this problem for me. Thank you for time and effort. As an after thought, the 2008 housing debacle still looms in our minds, will it happen again? Some people said it could never happen!!
|
| 09/28/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
Servicemember |
|
I wish to raise an official complaint in respect of treatment of Suntrust mortgage account on the basis that I do not believe that I have been treated fairly.
I was told by seller I will have {$16000.00} incentives for the closing. My closing due day is on XX/XX/19. The most current closing disclosure I received from suntrust was on XX/XX/19. I was agreed on all numbers, based on that closing disclosure. Until XX/XX/19, the Suntrust sent me a email, and that email stated there was an error on my final closing disclosure. Also I will not getting a full amount of {$16000.00}, because based on their explanation that FHA credits for state transfer tax ( {$1100.00} ) it is apart of that {$16000.00}. It was conflicted when the seller told me at beginning. Which I should get a a FHA credits from seller by the MD state Law, and with a full {$16000.00} seller incentives additional on top of that.
I have been misleading by Suntrust and the seller ( XXXX ), and do not believe they meet the Financial Conduct Authority principles of needing to be clear, fair and not misleading.
I have attached with original final closing disclosure on XX/XX/19.
|
| 03/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust Mortgage provides a horrible level of customer service. My mortgage loan was sold to Suntrust through no choice of my own. I have been trying to make an online account for almost two weeks, since THEY ( Suntrust ) changed their website, and my old login no longer works. When I try to create the new account, I receive an error message stating, This service is temporarily unavailable. Two weeks is more than temporarily. When I try to call, I am consistently on hold for OVER FORTY MINUTES!! The main reason for my call is that my autodraft amount has changed against my will. I have previously requested that an extra amount be drafted each month. This extra amount has not been drafted since Suntrust has changed their system/website. This change is going to cost me more over the life of my loan, through no fault of my own. In the past, Suntrust has also erroneously reported on my credit report. If anyone reading this has any choice in the matter, DO NOT ALLOW SUNTRUST TO SERVICE YOUR MORTGAGE LOAN. I wish my loan could be transferred to another servicer, and that these inadequate service levels would not be tolerated in the industry.
|
| 01/07/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
the bank took without our or my wife 's authorization her paycheck and deposited it into the wrong account ending in XXXX when with her work we changed the direct deposit weeks ago and then the back took their own initiative to deposit into that account XXXX ( which by the way should have been closed on XXXX XXXX, 2016 per my request with a phone agent @ Suntrust Bank ). The bank should have deposited her entire check into the account ending in XXXX per my wife 's request through her work and by contacting the bank. Furthermore there are charges which the bank should have honored in the account ending in XXXX before close of {$300.00} for att and {$1600.00} and change for XXXX XXXX and for XXXX of {$370.00} and for XXXX for {$68.00} none of these charges were honored per the bank and I was n't given any indication of why which is all of these are violations of Regulation Z, Regulation E, and TILA- Truth in Lending Act and the bank needs to do the right thing and abide by the law. All of these denied transactions were charged bank NSF fees of {$36.00} even though the bank did n't pay the charges, and i find this aggregous and unlawful.
|
| 09/22/2016 |
Yes |
|
|
|
Web |
|
|
I took an offer for a balance transfer with Suntrust Bank that ended on the XXXX.
At the closing date of XXXX/XXXX/16, I had a balance of {$1000.00} and I called Suntrust to check when they will begin to assess finance charges. I was told by the bank rep that as long as I paid off the balance by the next due date of XXXX/XXXX/16. I will not be assessed a finance charge, which I did.
However, I was sent another promo offer with convenience checks, which I did apply for in XXXX 2016, and from then, I was being assessed finance charges, even though, the previous balance that ended on XXXX was paid off. The bank rep XXXX XXXX said that they had applied all XXXX payments that I had made from XXXX 2016 to the balance with the lowest APR, which was the recent balance transfer, and this is why they were charging me finance charge on the {$490.00} balance of the first balance transfer that should have been paid off with the XXXX payment of {$590.00}.
I am looking for them Suntrust to credit my account back with all the finance charges starting in XXXX 2016 to recent and not to charge any finance charges on the current promotion that I have.
|
| 06/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
I have complained before the CFPB about Sun Trust bank charging over drafts where there is no overdraft feature enabled on the account and charging maintenance fees for getting a receipt of a deposit or withdrawal transaction at Sun Trust own ATM. They refunded most of the fees but they have not refunded one of the XXXX dollar charges that was for a receipt at their ATM. This is a Maintenance free account. Also Sun Trust prevents me from seeing my balance at their ATM during transactions, which seems to be a trap that could cause overdraft. If I ask the machine what my balance is then they will charge me for a balance inquiry. In addition, I have 1 checking account and 1 savings account, yet Sun Trust ATM lists 2 chk accounts when I go to make a withdrawal, again this seems like a trap because the savings account only allows for a limited number of withdrawals per month from the ATM without penalty. Sun Trust appears to be making calculated efforts to manufacture fees and penalties by withholding balance information at the ATM and by masquerading the savings account as a checking account during the withdrawal process.
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I return back from vacation on XX/XX/2019. I noticed there was several transactions my debit card that was unknown to me. It totaled almost {$500.00}. I called SunTrust and made a claim. The representative asked me was there any other unknown transactions. I looked back over four months and I said I did not recognize the XXXX withdrawals that was done in XX/XX/2019.
The representative took my information and said it would take about a week to get the results. I called SunTrust and they told me the fraud was ruled in my favor but because the transactions were 60 days old by regulation they could not honor it.
I Told them the XXXX was the only transaction that was done in XXXX. The other {$500.00} worth was done 2 to 3 weeks ago.
They told me it didnt matter because their fraud started in XXXX. I feel that this is blatant dishonesty on the part of SunTrust and they are using a loophole to avoid giving me back my money.
I can understand them refusing to honor the XXXX charge but the other charges were separate charges that were done in the past month.. I just need this Bureau to know the dishonest tactics that SunTrust is doing.
|
| 11/14/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
I purchased a condo with a first mortgage from Suntrust Mortgage and a purchase money second mortgage by Suntrust Bank as an Equity Line of Credit. In XX/XX/XXXX, Suntrust Mortgage foreclosed on the property and that account no longer appears on my credit reports. Suntrust Bank continues to report the XXXX XXXX with a current balance showing. Suntrust Bank is reporting 120 day late in XX/XX/XXXX, then XXXX from XX/XX/XXXX to XX/XX/XXXX, then charge off from XX/XX/XXXX thru XX/XX/XXXX and no reports shown after that. Suntrust Bank 's error is showing a current balance of {$38000.00} instead of {$0.00}. The property is foreclosed by Suntrust and the Statute of Limitations has expired, so why show a balance. I disputed this with the bank in XX/XX/XXXX ( see the attached letters XXXX but they refused to correct it. In a phone call today, the Suntrust Bank representative stated that the balance will never come off the credit reports until it is paid or settled. That can not be the law for a mortgage debt. I have also disputed with XXXX, XXXX and XXXX with no success. Please help as I am trying to refinance my home mortgage. Thanks. XXXX
|
| 04/30/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX I send a letter Certified mail to Suntrust Bank/XXXX Suntrust Bank received mail on XX/XX/XXXX Letter is about : To Whom It May Concern : After a review of my current credit profile and report, it reflects what seemingly is a pattern of fraudulent activity on the following accounts : Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), and 90.953 FLA. STAT. ( XXXX ), we have request verification of the authenticity of the original document ( s ) from individuals listed above at our expense. Please advise of a location and time in the XXXX, Florida area.
90.953 FLA. STAT. ( XXXX ), in pertinent part states : Admissibility of duplicates.A duplicate is admissible to the same extent as an original, unless : ( 2 ) A genuine question is raised about the authenticity of the original or any other document or writing.
Suntrust bank have not accept my request meet in location and time in the XXXX, Florida area to verification of the authenticity of the original document ( s ) from individuals listed above at our expense.
I asking does Suntrust bank have the original copy of the promise note that claim I sign?
|
| 10/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
SunTrust has failed to honor the terms and conditions of a promotional offer called SunTrust Deals. For this specific offer, customers were eligible for {$75.00} cash back for making two transactions with XXXX XXXX XXXX XXXX with an eligible SunTrust card on wireless products or services of at least {$15.00} by XXXX/XXXX/XXXX. The offer says that the {$75.00} cash back is earned within 30 days after making the second transaction ( see attached offer ).
I used my SunTrust debit card to make two separate transactions with XXXX XXXX XXXX XXXX - for {$31.00} on XXXX/XXXX/XXXX and {$41.00} on XXXX/XXXX/XXXX. However, SunTrust has failed to provide the {$75.00} cash back within 30 days of the second transaction, which would have been XXXX XXXX. When I called SunTrust 's XXXX number, the customer service representative said that the cash back appeared to be pending but was evasive on the timing or probability of payment. The representative admitted that SunTrust had a pattern of not always honoring promotional offers.
Attached is a copy of the promotional offer plus my statement verifying that I complied with the terms of the offer.
|
| 01/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My debit card, credit card, vehicle, and ID were all stolen from me on XX/XX/18 going into XX/XX/18. I was in XXXX XXXX for the next few days and a women stole my card along with my debit card number. All of my transactions from XX/XX/18 to XX/XX/18 were not me aside from one drink at tropical isle on XX/XX/18.
I have two case numbers for two different amounts. The first is XXXX and the amount was XXXX. The second is case number XXXX and that amount was XXXX. I called and made a police report later when when my parents drove from Fl to XXXX XXXX to get me several days later. Police fraud phone number is XXXX XXXX XXXX. The officers name is officer XXXX badge number XXXX. The case number is XXXX. I was on several different news stations along with the XXXX Fl police department posting missing posts about me. I also have chief XXXX XXXX number which is XXXX. My number is XXXX. All I got back was an email with a do not respond saying that they didnt believe any fraud happened. I have several cops, and proof of my stuff being stolen so I dont understand how they came up with that assumption. My stolen car case number is also XXXX.
|
| 04/04/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have had several bank accounts with XXXX XXXX XXXX and Suntrust Bank, I am on XXXX so things are tight for me and I get overdrafts sometimes. I get my check once a month, they would sometimes not pay something or let go through just to apply XXXX or XXXX overdraft charges, you get a overdraft charge of XXXX, a nsf fee of XXXX and an extended overdraft charge fee once a week for as long as overdrafted. The accounts become overdrafted and you ca n't pay back so they close the account, and show overdrafted your checking and your savings, they have yet to explain to me how you overdraft a savings account. The savings account is to help keep from overdrafts if you have money in it. Once the account is closed the negativity is showing in both savings and checking and when go to pay it they make you pay the savings and checking so you pay twice for the overdraft fees and whatever is paid through the checking account. The savings account should not go into negative as there is nothing taken out of it. I do n't think it is right to have to pay XXXX accounts when only the checking account has over drafts and payments coming out of it.
|
| 01/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My father XXXX XXXX had an account with Sun Trust Bank. He passed away on XX/XX/XXXX. I was listed as POD on his account. On XX/XX/XXXX I tried to see how much was in his account online to see if he had money to pay for cremation. Somehow, Suntrust banks ' online system allowed to create a second account in his name with all the money moved to it. I reached out to Ms. XXXX XXXX at the XXXX XXXX XXXX to enquire how to solve this problem. She instructed me to send a certified copy of death certificate and notarized letter to Sun Trust in XXXX XXXX VA. The bank received it on the XXXX of XXXX. I was assigned a client advocate, Mr XXXX XXXX, number XXXX, who is tasked with resolving this. He stated that because it's fraud, I have to come to Maryland ( which is the closet branch of bank ) and deal with it in person. I told him, I live in XXXX, do not own a car and do not have the money or resources to get there. All I am asking for is for someone to help me close my father 's account so I can pay for cremation. It's now XX/XX/XXXX and Sun Trust Bank is still holding my dead father 's money. I need help to get this resolved. PLEASE
|
| 12/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Closing your account
- Company closed your account
|
|
Web |
|
|
I have been targeted by SunTrust and have been put through extraneous procedures when trying to open basic checking accounts. I have been a customer since 2012 and have had a credit card in good status since 2012. I just requested a replacement card and have been using it when they sent a notice that they were closing the account for inactive use. This is not true as I had recent activity on the account. SunTrust also froze a checking account of mine for no apparent reason when in fact I had a previous account with them for several years and they have all my identifying information on file. I believe Suntrust has flagged my information within their system and are systematically denying me access to their products. Also I have suspicions on where the bias is coming from ( based on the person whom viewed my XXXX profile a few years back when I opened a vehicle loan being acquaintances of an ex-friend ). It is unfortunate that SunTrust would allow these type of practices to be practiced within their organization but am surprised they would fabricate that the account is inactive when in fact I was using it to close my account.
|
| 06/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
Approximately between XX/XX/2019 and XX/XX/2019, I noticed suntrust has been manipulating transaction to occur over drafts fees, they will re arrange transaction in different orders and sometimes not posting old transactions in the order of purchases that they occurred, Sun-trust will occasionally not debit my account when i make a purchase, so when i log in to my account it will appear i have plenty of funds to use.
I also noticed when i made several direct electronic payments to cover my balance, Suntrust would not post those direct deposits as if i never made them, i believe they did this to have my account overdraw and then after it has overdrawn they will allow my electronic payment to go through days later, i did call Suntrust about this issue, then i was told it will be corrected. but this continued to happen. On XX/XX/2019 i was hit with 5 over draft charges in 1 day each of those charges are {$36.00} totaling {$180.00} in 1 day of overdraft fees. Which is due to their fraudulent tactics.
Suntrust is committing fraud, by manipulating transactions to occur overdraft fees and i'm a victim along with others.
|
| 04/16/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In 2013 I had to file for a chapter XXXX XXXX. Suntrust is our mortgage company and from the day of the XXXX on they have continued to make mistake after mistake on our mortgage. XXXX off, we did not miss a single payment nor have we. Suntrust took all of our payments and put them in a " secret account ''. Then we got notice that after we completed the documents to continue the ownership of the house, Suntrust falsely reported on our credit that we had not made our payments. Then, we notified Suntrust of their mistake " took 6 months easy for them to realize their mistake '' they then rebuilt our payment history but never took the Credit reporting mistake off of our credit. Then today, 6 months after the XXXX was completed, notified us that they have foreclosed on our house. Once again, we have made every payment electronically and never have received anything from Suntrust to say anything about any lack of payment. We emailed them again and once again, are looking into it. I can provide all documentation off of our Suntrust account and would like this XXXX to end. Any help from anyone else is graciously appreciated.
|
| 01/07/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with my lender or servicer
- Need information about my balance/terms
|
|
Web |
Servicemember |
|
Hello, XXXX ( XXXX is a bill collector ) of Suntrust Inc., sent me a letter claiming my wife and I were no longer protected by the SCRA and that I needed to complete their online IBR update. I did go online and complete their IBR update.
Furthermore my wife, XXXX was an XXXX in the XXXX until XX/XX/2016. Since XX/XX/2016, she is NOW an XXXX and will be for the next 6 years.
Thirty days after XX/XX/2016 ( on XX/XX/2016 ), I was hired as a XXXX, XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX.
I 'm still employed working for the XXXX XXXX XXXX XXXX XXXX employee. Does n't the SCRA provide time for military families to transition from XXXX to XXXX??
I did receive a letter from your XXXX claiming an anonymous source notified them that I was no longer protected by the SCRA. We were lead to believe by our Judge XXXX XXXX XXXX XXXX XXXX office that we are still protected by the SCRA as long as we work for the military. Is this incorrect??
We wrote XXXX XXXX XXXX XXXX of XXXX who we communicated with in the past, but we have received no response from XXXX regarding this matter or any of our questions.
XXXX XXXX XXXX XXXX
|
| 01/28/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
This complaint is in regard to Suntrust Bank and their overdraft practices. Recently, I inadvertently overdrew my account by {$42.00} through XXXX transaction. The next day, several items that had been previously pending cleared my account and I was assessed XXXX overdraft fees for {$36.00}. One the day these transactions cleared, the purchase that overdrew my account was still pending. All of the transactions posted to my account with a positive balance. Suntrust advised that overdraft fees begin the moment the " available balance, '' becomes negative. That is, the balance in the account that changes throughout the day. I had several other items pending that cleared causing overdrafts because of the way they manipulate their processing. I paid XXXX overdrafts for overdrawing my account {$42.00} with XXXX transaction. The total in fees for this XXXX overdrawn transcation is {$320.00}. Suntrust 's practices directly conflict with FDIC guidance, and are usurious to say the least. Suntrust will not refund any overdraft fees, and acknowledged that the fees were assessed even though the account was only overdrawn 1 time.
|
| 08/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened a SunTrust checking account in XX/XX/2019. I had my XXXX benefits deposited direct deposit into the checking account. The first deposit was made XX/XX/2019. On XX/XX/XXXX I had a company call me regarding a loan that I had applied for online supposedly. They said their name was light stream loans which are affiliated with SunTrust Bank. They asked me for my login information in order to deposit the loan to my account. I tried to check my account the next morning and was that unable to. I could not log into by phone or through mobile banking. I called and talked to a representative who informed me my account was confidential and could not be accessed by anyone. They told me that I had to have done this. I asked them if I could use my ATM card to withdraw my money they said no. I have no access to the account or my money. They can't tell me anything and will not help me. There is no branch in my state. Which is Texas. I get XXXX due to a XXXX XXXX. The money is not enough to make a living each month. Although I do desperately depend on the little money I get. I have no way to access my funds. Please help me
|
| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/2019, I was in the XXXX Airport. That is the date the fraudulent charges started. I received a call from Suntrust Fraud Department 2 days later, where they asked me over the phone to review charges and say if they were mine. At the end of the call, I was advised they would send a list for my signature, and I would be able to review charges to ensure we caught them all. Next thing I heard was on XX/XX/XXXX, when Suntrust reversed an approximate {$2300.00} provisional credit they had applied since I had not responded. I went to my local SunTrust and completed the form on XX/XX/XXXX and discovered over {$7000.00} worth of fraud had occurred. And, most were quite obvious, as they were happening in XXXX Ohio, and I live in XXXX XXXX. I then had the SunTrust representative fax it to the fraud department. I have the fax receipt.
To begin, the reversal of the initial provisional credit occurred prior to the 60 days allowed to report fraud. I have also not been given a provisional credit for the {$7000.00} within 10 days as mandated.
Numerous calls and faxes and nothing has happened. I just want this resolved.
|
| 01/05/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Older American |
|
XXXX VM from SunTrust of possible fraudulent activity. XXXX saw {$2100.00} purchase at XXXX in XXXX, NC ( I live in XXXX, NC ). SunTrust Customer Service informed me that someone with my name and address called on XXXX at XXXX requesting a new debit card be mailed to XXXX XXXX XXXX XXXX, XXXX, NC. Told Suntrust rep no point in sending a code because also lost cell phone.
XXXX received card in mail from Suntrust confirmation of address change for 3 of my 4 accounts. XX/XX/XXXX Met with branch mgr who called fraud dept. Told that investigator Denied and closed the case assuming I approved it.
XX/XX/XXXX wrote rebuttal. XX/XX/XXXX still have not heard from Suntrust and {$2100.00} not restored to my account. XX/XX/XXXX a Good Samaritan in XXXX, NC called to inform me that she saw my credit card/ address/ ph # and many other peoples in the car of a man she knows in XXXX, NC. I filed a police report giving all information and the guys name.
Suntrust has not been in touch with me since my pursuing them since XX/XX/XXXX. I have been treated by Suntrust Fraud Dept as a liar having to prove that Im telling the truth.
|
| 08/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
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On XX/XX/2019 I opened a dispute and received a claim # XXXX. On XX/XX/XXXX I purchased an item through a merchant using my debit card through SunTrust. Originally, I attempted to resolve the dispute with the merchant. XX/XX/2019 I reached out to the merchant/seller and was denied my request by XX/XX/2019. On XX/XX/XXXX I filed a dispute with SunTrust and answered all the required questions by SunTrust about my dispute and attempts to resolve. Within 10 days I called SunTrust and was told I did not need to take any further action. On XX/XX/2019 the dispute was inaccurate closed and re-opened. SunTrust required a affidavit which was faxed XX/XX/2019. By XX/XX/2019 I received a letter from SunTrust asking for the third time for a description, " of what you were expecting to receive and how that differs from what you actually received, along with date mm/dd/yyyy of merchant contact and if possible an expert opinion from a neutral third party. I responded XX/XX/2019 and called today ( XX/XX/19) for an update. I was instructed that it would take another 60 days for a total of about 4 months to resolve the dispute.
|
| 01/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
Servicemember |
|
Purchased a boat trailer ( XXXX # XXXX ), title # XXXX on XX/XX/XXXX with a bill of sale, since title was apparently lost. The lien issuer on the title, once recovered is : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX. This bank was evidently acquired many years ago ( possibly in the XX/XX/XXXX 's ) and is supposedly operating under the name of Sun Trust Bank in XXXX, NC. The FDIC said the lien could be released, but apparently it is technically still in business, under the name of Sun Trust Bank. The DMV, whom I have approached numerous times, says they want the license tag back if I can not get a release of the lien on the title. Have had the trailer inspected by the License and theft bureau of the DMV. Have also, at the request of the DMV purchased an Indemnity Bond on the above trailer. I spoke to a manager of the said Sun Trust Bank in XXXX and while they said they would be happy to release the lien, Sun Trust had no connection to the XXXX XXXX XXXX that was once located in XXXX, NC.
The original owners on the title are : XXXX XXXX XXXX and XXXX XXXX XXXX Now residing at : XXXX XXXX XXXX, XXXX, NC XXXX
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
Suntrust Mortgage is incorrectly reporting information for Account XXXX in my name, XXXX XXXX This account relates to a mortgage that I cosigned for in XX/XX/XXXX for my mother XXXX XXXX This was a second loan ( approximately {$10000.00} originally ) on a property and was original purchase money and located in XXXX, AZ. In the fall of XX/XX/XXXX this loan went into default and the property was foreclosed on in XX/XX/XXXX. At that point in time per Arizona ant-deficiency law, we were no longer liable for any deficient amounts left after the foreclosure sale. Suntrust has continued to report misinformation. Currently, this account shows a charge off on XX/XX/XXXX that is negatively affecting my credit. This mark and anything after XX/XX/XXXX should be removed as I was not liable for any amounts after XX/XX/XXXX ( and therefore not liable to receive additional negative credit ). After multiple attempts at contacting XXXX and Suntrust Mortgage and hours of hold times with Suntrust, I have not been able to resolve this on my own. Suntrust Mortgage has also hung up on me twice over the years trying to resolve this.
|
| 05/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
After having a substantial relationship with Suntrust Ba nk, I got a notice they have decided to close my account and gave me no reason whatsoever. I ha d one iss ue with a wire transfer which was refused and caused an issue on my account, while I was traveling for a family emergency. The signer on my account had his account effected and him being on my account effected my relationship My account was closed after a payment was made by mistake and should have been reversed. XXXX XXXX bill went through and should have been sent back but bank closed and paid transfer and then held account. Upon fixing the issue, I was told my accounts were to be closed including all of my lines of credit, business accounts and personal accounts. I am an ideal client and maintain substantial balances in the accounts and own and operate recognizable businesses. There was no reason whatsoever my accounts were closed. I had issues which were addressed and fixed the moment they were brought to my attention. I want to have my relationship back as this is the only bank which operates in all the states we do business.
|
| 04/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
Servicemember |
|
I traded my vehicle in on late XXXX. I had an extended warranty through SunTrust. The dealership sent the check for the remaining warranty reimbursement to SunTrust in XXXX. I called SunTrust to inquire about my refund and they informed me since my loan was closed, they send the check back to the dealer and then the dealer will reimburse me. I contacted the dealer on XX/XX/XXXX for a status and they informed me SunTrust cashed the check on XXXX in the amount of {$580.00}. I called SunTrust Loan servicing and they informed me the check was sent to dealers services and the man on the phone could not help me. He sent me to SunTrust Dealer Services and the man that answered the phone told me they only talk to dealers. I explained the situation and he said he will get is supervisor on the phone. He transferred me to a number that does not exist and I was cut off. I called back and a woman answered. I explained the situation again and she gave the supervisors direct number and said she would transfer. Again I was cut off. I tried call in the supervisors direct number and it is a number that is not in service.
|
| 08/05/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Suntrust - XXXX XXXX : timelineIssue with payment amount and balance due on XXXX XXXX from Suntrust Mortgage:XX/XX/XXXX - purchased property in XXXX XXXX, CA XXXX with XXXX XXXX and XXXX XXXX loans from Suntrust Mortgage.
XXXX XXXX was in the amount of {$53000.00}. Payments were XXXX a month.
When I requested modification for XXXX, I of course requested assistance for the XXXX as well. I received no help or correspondence regarding the XXXX until XXXX when the modification on the XXXX XXXX was finally final after 4 years in process. Payments on XXXX were in full from XXXX - total {$4800.00} in paymentsNo payments were made from XXXX - XXXX - balance XXXX dueThe balance due according to the XXXX ( XXXX and only set for XXXX XXXX XXXX loan modification documents is now : {$64000.00}.
How can that be? What happened to all the payments I did make?
I have been making the payments of {$230.00} since XXXX and they are current, but it is a hardship and the house value is underwater and the loan amount is not right or fair for the amount borrowed and missed during a XXXX year modification process on the XXXX
|
| 12/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have an ongoing issue with SunTrust Bank, with whom I have my mortgage. Every month, I mail them a paper check to pay my mortgage payment. Pretty much every month, I write in {$1000.00} additional principal and make the check for {$1000.00} more than the minimum. Every month, SunTrust converts my check to an ACH transaction, which means I don't get a copy of my canceled check. And most of the time, certainly on XX/XX/XXXX, on XX/XX/XXXX, and on XX/XX/XXXX, they process the wrong amount. Their ACH transaction on all three dates is for {$1000.00} less than what I wrote on the check. ( This has happened previously as well. ) I have called them at least four times and asked them to stop converting my check into an ACH, and drawing their attention to having debited the wrong amount. They keep saying they will fix this and then they keep not fixing it.
The customer service people seem reasonable but somehow SunTrust is unable, or unwilling, to fix this. It would appear not to be a priority for them, and I note that due to my inability to pay my mortgage off faster, I am paying SunTrust more in interest.
|
| 12/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Hello, On XX/XX/2019 we received several phone calls around XXXX XXXX ( total 5 phone calls in 15 minutes ) from the toll free phone number : XXXX to our home phone. The caller introduced herself that she is from the SunTrust Bank Fraud department. She stated that for two days there were multiple transactions attempted from our personal checking account to transfer money : traveler 's check or Money order for over {$4000.00} USD. She spoke with a heavy XXXX XXXX accent. She asked me for my SSN number but repeated it back wrong ( twice ), then she asked for my first and last name " to access my account. '' What stopped me from giving my name is the fact that the lady gave me the wrong card number and could not repeat my SSN that I gave her twice over the phone. I refused to give her my name and the lady became very angry with me. I told her that I am not comfortable to provide any other personal information and hung up on her. Afterwards, I immediately called the SunTrust bank and spoke with the representative name XXXX that confirmed the SunTrust does not use this number for phone calls to the clients.
|
| 05/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
There was a checking account and savings account opened in my name without my permission. The account is not mine, I did not open the account, I did not receive deposits to the account, I am not responsible at all. I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I had my ID stolen at age XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies. This is not a debt validation or account validation request. THIS IS A FINAL notice to delete the account that has been verified and validated fraudulent by the FTC. See attached reports certifying ID Theft and specific account in question. I am attaching my Official FTC ID Theft Report certifying the account is fraudulent.
|
| 01/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls.
Thank You
|
| 06/23/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
On XXXX XXXX, 2014 I received a letter from SunTrust mortgage XXXX see attached XXXX ) about my statutory right to receive refund of unearned premium of my Private Mortgage Insurance ( PMI ). Encouraged by this news, I started the refinancing process and completed it in XXXX with a new mortgage which did not have PMI XXXX see attached XXXX ). I had upon origination of the original loan prepaid full premium of my mortgage insurance and following the Homeowners Protection Act 12 U.S. Code 4902, I submitted a request for refund of unearned premium ( see attached XXXX ). I am yet to receive a formal response from SunTrust. When I call them, they verbally tell me that I will not get paid because Mortgage Insurance provider ( XXXX ) issued a non-cancelable policy. When I tried reaching out to XXXX, they would not talk to me because I am not officially their client XXXX Suntrust is XXXX. My question - is it legal for Suntrust to obtain a non-cancelable PMI on my behalf from XXXX and not refund the unearned premium when PMI is no longer applicable? And how could I have avoided pre-payment of un-cancelable PMI?
|
| 02/17/2020 |
Yes |
- Mortgage
- Other type of mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
I refinance my VA loan with SunTrust Bank in XX/XX/2018 due to hardship with payments, as a widow, I didn't have my husband 's income anymore so I decided to refinance the loan to get a lower monthly payment.
The financing went through and was somewhat satisfied with the results, the payments were lowered from XXXX to XXXX.
15 months later I was informed that my mortgage had gone up due to not have enough funds in the escrow account and my choice would be to pay the escrow or the monthly payments would go up to XXXX.
I find myself back to square one with the payments.
I do not have the escrow amount which is a substantial amount of money for me.
I have lost 15 years in this mortgage by refinancing for nothing.
I have tried to contact the loan officer who I dealt with with the loan and haven't got any responses.
I did contact the Bank and spoke with a customer service representative and got no explanation other than to pay the escrow account and that there is nothing I can do about it.
I am not sure at this time how I will manage but would like to have some feedback if possible.
Thank you.
.
|
| 07/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I am a XXXX on limited funds. On XXXX XXXX, I deposited my payroll check into the ATM prior to going on a XXXX trip on a Friday. I used my bank card for expenses while on the trip over the weekend. I did n't realize that my deposit showed {$0.00}, vs the over {$410.00}. SunTrust then reshuffled my transactions and my put my deposit on the end and charged an NSF fee for all transactions the next business day. By the time all Fee 's were assessed, the total fees are {$430.00}, ON TOP OF THE TRANSACTION 'S I made. Over the weekend ( XXXX XXXX ), I deposited a XXXX payroll check for {$110.00}. With all XXXX payroll checks deposited and the transactions, my account is now in the negative over {$300.00}. Again, as a XXXX trying to save money to return to school in XXXX, this is a MAJOR setback! I am thoroughly disappointed in how Suntrust has refused to refund the NSF charges due to them not adding my payroll checks. This will take me WEEKS to recoup this money and unfortunately, I do n't have this kind of time as books need to be purchased in a few weeks. I am BEGGING for some assistance with this matter.
|
| 03/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Suntrust Mortgage gave me a pre qualification letter for a conventional loan for {$56000.00} so I could buy a home. The loan officer XXXX XXXX told me I had something on my credit report but it wouldn't be a problem. After I have gone under contract he tells me that we can not proceed until it comes off. The thing is on my report is an unpaid balance with XXXX XXXX from several years ago that I was unaware of as I am a customer with them in good standing. I paid the balance and was told it would come off the credit report in about a week. It never came off. Another lender gave me advice and told me to ask the loan officer XXXX to call XXXX and have them do a Rapid Score Response. I told XXXX and his response was that this is something I am supposed to do. I called XXXX and they told me the lender should be calling them for this. I am at my wits end. What am I supposed to do to get this loan to go thorough? My real estate agent has had the closing date extended and it is approaching. I don't think it is right that this guy gave me a pre qualification letter if I could not get a loan. Please advise.
|
| 12/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Every month I make 2 payments towards my mortgage. Suntrust mortgage holds the payments until I call and advise them that I've made the full payment. They charge me a late fee and they have heavy handed collection agents harass me every month. I have advised multiple times to multiple agents of my payment pattern to no avail. I I feel I'm being harassed by the collection agents for a debt I've paid. The representative who are on a call system told me they NEVER REVIEW CUSTOMER ACCOUNTS BEFORE THEY SPEAK TO YOU. That's monthly harassment.
I have made the full and most times more than the minimum monthly amount, why the malicious collection calls?
I received multiple collection calls in the same day which I believe is against the law if I've made payment.
Once I advise the the ignorant annoyed disrespectful representative it can take multiple business days to be adjusted. Why am I being punished?
The banks bi-weekly payment plan is cost prohibited. I'm unable to make 2 full payments in one month.
Please assist me on stopping this collection harassment and total disrespect that Suntrust Mortgage.
|
| 08/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
We have been dealing with SunTrust Bank since we came to the US.We must admit we were getting excellant personalised service since 2013.In all we had two chek in accounts, two savings accounts & two secured credit card accounts.We had closed Saving Bank accounts since we did not find any specific benefit of having these .We have been maintaining the accounts in the best possible manner i.e maintaining desired balance, not overdrawing, paying in time & thus have been maintaining strict financial discipline from day one till date.We also have a safe deposit locker.
Few days back we received two letters fom the bank asking us to close all the accounts without telling us the account number or the reason of this uncalled action.We talked to Consumer affairs section of the bank to inquire the reason .We were told it is a business decision.
We feel this uncalled action of bank is illegal & will cause undue inconvenience to us, a XXXX couple.We are living very cl ; ose to the branch & this action of bank without any reason or rhyme appears to us as an infringement of our basic as well as banking rights.
|
| 08/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Suntrust has lied to me and told me that funds for a check were being held due to “inside banking information that the funds would not clear” for my BUSINESS ACCOUNT. This was AFTER I told them I did not want to have a banking relationship with them as well as AFTER the funds were already cleared the next day which allowed me to pull the balance to transfer out and make a XXXX balance. On top of that, they have the nerves to apply fees to my account for their lie. I wanted to close the account to begin with due to inconsistent information given to me and bogus overdraft fees for small amounts to my account as low as a $XXXX for a $XXXX charge as well as picking and choosing which transactions they want to go thru on the account to apply numerous fees. I have stated many times before to them, if the money isn’t there don’t allow the transaction to go thru but they keep doing it to get more and more money. Over $500 in fees in one month alone!!! I am not only sending this complaint to XXXX but CFPB and collecting others to join in on a class action suit to file. They are ridiculous and liars.
|
| 04/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Older American |
|
I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.
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| 05/10/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Wrong amount charged or received
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Web |
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On XXXX / XXXX / 16 I closed XXXX IRA 's that I had through Suntrust Bank. I instructed them to cut a check for {$30000.00} made payable to XXXX XXXX XXXX for deposit to an Annuity Account that I opened. They were instructed not to withdraw taxes because this was a rollover and no taxes were due. I received the check and deposited it in the Annuity account. In XXXX I received a call from my Accountant, who does our Income tax and asked me why Suntrust withdrew taxes from XXXX of my IRA 's. By doing that I had to pay taxes on that amount plus I incurred a 10 % penalty. XXXX IRA 's were rolled over : XXXX for {$2000.00}, XXXX for {$1000.00}, XXXX for {$13000.00} and XXXX for {$14000.00}. Suntrust withheld taxes on only XXXX of the IRA 's the one for {$14000.00}. The amount withheld was {$1400.00}. The other XXXX were processed correctly as they were instructed to do. I did not realize that they had withheld the taxes on this IRA until my Accountant brought it to my attention. I complained to Suntrust and they are not willing to accept responsibility and rectify this error
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| 07/12/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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Suntrust bank dishonestly and erroneously stole a total of {$100.00} from my checking account. On XX/XX/XXXX, a deposit of {$340.00} was made to cover a withdrawal to my sons ' college education fund that was scheduled on the same day. Suntrust falsely noted that the deposit was made on XX/XX/XXXX - even though I have a receipt indicating that the deposit was made on XX/XX/XXXX. Suntrust then charged a {$36.00} overdrawn fee even though the account became overdrawn only because Suntrust made a mistake by not crediting my account on the right day ( June 18 ).
Because Suntrust erroneously charged a {$36.00} fee, there was not enough money to cover a check of {$15.00} that was paid the next day ( June 19th ). Suntrust then levied two additional {$36.00} overdrawn fees. In other words, Suntrust 's mistake in the deposit date caused three overdrawn charges amounting to a total of {$100.00}.
To make matters worse still, Suntrust told the CFPB that it had contacted me regarding this issue. But it has not yet done so. Suntrust refunded only one of the three fees and therefore, it still owes me XXXX..
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| 07/20/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
Servicemember |
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Greetings, I was trying to get money from my account. My stylist was trying to cash a check I gave him and he was not able to do so. Sun Trust Bank called me. I did not get the call, my ringer was off. I called my stylist and he informed me that the bank would not cash my check. I have had several problems with Sun Trust as I am used to banking at a credit union and the bank has fees and poor communication about the rules. I have had financial problems. However, in this case my balance was more than 50k on XXXX XXXX, 2017. I go into the XXXX Sun Trust and give the teller my federal id and an expired NC license with a current bank card. The teller does not accept my ids so I go to a desk and empty my purse to locate my license and the bank manager gets upset and tells me to leave. I remain calm and try to locate my license, I do. The bank manager tells me to get out of his bank. I call the police. The police mediates. I explain to the bank manager that I am checking everything he is doing against another bank and he stops the transaction. I want him at the least written up and at the most fired!
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| 06/02/2015 |
Yes |
- Money transfers
- International money transfer
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Web |
Older American |
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I made a deal via XXXX. The seller wanted to be paid via wire transfer. I contacted XXXX through " live chat '' and XXXX approved it. I wire transfered the money. XXXX XXXX, XXXX, I made the wire transfer from my Suntrust Bank accout to the seller 's account at XXXX Bank. Following the transfer the seller contacted me and asked me change the XXXX account where the money was getting transfered to. I contacted XXXX again to inform them of the seller 's request. The XXXX receptionist asked me the item 's ID number, I gave it to her ( XXXX ), she told me that they had no such item listed. I asked to speak with her superviser who aknowledged the item and the transaction and told me that it was a scam and to try to get my money back. I returned to Suntrust bank and asked to stop the wire transfer. The teller told me it was too late to stop the wire transfer ; however, for a {$25.00} fee we could fill out a form to avert XXXX XXXX that the transaction was fraudlent and try to recoup the money. We did that and are now waiting to hear from XXXX XXXX. My intent is to get my money back. Can you help me?
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| 06/03/2018 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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SunTrust bank is trying to use any false, deceptive, or misleading representation or means in connection with the collection of any debt. SunTrust Bank claim that I own them money. I really believe that SunTrust Bank being discriminated against me because I'm a XXXX male. SunTrust Bank claim that original creditor was the XXXX XXXX XXXX XXXX as XXXX for XXXX. SunTrust Bank did not give me address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. What is the address for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX. I XXXX XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX and do not exist. Have you contact XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX to validate that it my account since I am a victim of identity theft? You have an affidavit from XXXX XXXX. This affidavit is hearsay because XXXX XXXX is not original creditor. If we go to court, I will reject this affidavit because it hearsay and not allow as evidence in court. You claim I owe {$28000.00}. I want to know how you calatue this amount. I am requesting history for XXXX XXXX XXXX XXXX XXXX as XXXX for XXXX, XXXX XXXX, SunTrust Bank, and XXXX XXXX.
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| 09/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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Web |
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Sometime during the morning hours of XXXX/XXXX/16, SunTrust Bank closed an account I had recently opened with a balance of {$3900.00} and mailed me a check for that amount. When I called/online chatted with SunTrust regarding this incident, I was not given a reasonable explanation. A Customer Service Supervisor I spoke with named XXXX stated that SunTrust, at their discretion, has the right to close an account at any time. I asked for her supervisor, whose named I later learned was XXXX XXXX, reiterated this response but also stated that SunTrust closed the account because they wanted to terminate any relationship with my wife, a coappliant on this account. I stated that my wife has done business with SunTrust for over 5 years and only recently closed her account when we moved from XXXX to XXXX. XXXX declined to provide further details about why the account was closed. Does SunTrust truly have the " right '' to close my bank account at their discretion without at least contacting me first to inform me of their decision. Do I have the right to know why they made this decision? Please help.
|
| 06/24/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
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I was sent an invite to sign up for a 'Bi-Weekly ' mortgage payment plan from SunTrust XXXX Went into a XXXX XXXX Florida office in XXXX 2015, the 'Personal Banker ' had to call the main mortgage office to get more information about the plan because she did not know how this new plan worked. I just received an email letting me know that I owe 2 months mortgage payments simultaneously for the XXXX month, this was never disclosed, also a late fee which needs to be waived. This now looks as though I am late and was told that it would go to credit reports if not paid. I think this is not good business and have asked to stop immediately. I was told to send a written letter in order to stop. I have faxed a letter stating this today, XXXX XXXX, 2015. Had I been properly disclosed to about the 2 months worth of payments to begin, I would have not proceeded. When I made my XXXX call today, I was told that there were 'bugs ' in the new process, 'many complaints coming in ' and ' this is a new process for us, so we are not sure '. I was also told that a 3rd party system handles these types of plans.
|
| 12/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
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This compliant is regarding closure of my account without my information. SunTrust Bank prohibited me to access to my funds which I needed urgently ( $ XXXX ). XXXX : I opened the account after depositing {$150.00} in account. XXXX : I completed direct deposit of {$800.00} i account. XXXX Deposited multiple amounts in the bank account. XXXX : A XXXX check of $ XXXX was deposited. XXXX : {$12000.00} cash was deposited in the account. I have been trying to access my account online as well as ATM but it was showing nothing, after calling customer support they told me my account was closed for " some reasons '' but they were not aware of the reasons. I asked SunTrust to give me my funds since I need to use my money. SunTrust declined and told me I will be getting my check in 5-7 working days with explanation why my account was closed. I have been told that SunTrust has right to close my account without informing me. I have written checks in good faith to use my banking account which is denied to me without any reason. I am also having SunTrust Mortgage Account that is in excellent standing.
|
| 09/14/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with the payoff process at the end of the loan
|
|
Web |
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My significant other and I applied and were approved for a personal loan through XXXX, a division of SunTrust. We used the loan for debt consolidation of our credit card balances, we were loaned {$30000.00} plus {$100.00} doc stamp fee for a 5 year term at 13.34 % interest with monthly payments equal to {$690.00}. The loan was funded XX/XX/18. We made our first payment XX/XX/18 for {$150.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We made our second payment XX/XX/18 for {$160.00}, which was applied toward interest only, this payment was in excess of the monthly payment which was made on XX/XX/18 for {$690.00}. We then made a payment of {$10000.00} on XX/XX/18, only {$10.00} was applied toward interest the remainder, {$9900.00} was applied toward the principal. The next payment we made was to pay off the balance on XX/XX/18 for {$19000.00}. The principal balance of {$30000.00} plus {$960.00} in total interest has been paid, but this company insists that I still owe them INTEREST towards the loan!
|
| 03/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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SunTrust XXXX XXXX - Please kindly accept this as formal notice, requesting the termination and closing of Account ( s ), resulting from SunTrust Mortgage , Inc. failure to repay its Funder sums owed rendering a default upon Account. The undersigned have no obligations or liabilities owing to SunTrust Bank, or SunTrust XXXX XXXX, therefore it is understood, SunTrust XXXX XXXX will return to the undersigned, by transfer, securities and property in Account ( s ) and will no longer accept orders for the transactions after receipt of this notice of termination requesting the closing of any and all Accounts. These accounts would include securities and property recorded upon the XXXX XXXX County Registry and identified as XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. Thank you, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, North Carolina XXXX and XXXX XXXX ( fka XXXX ) XXXX XXXX XXXX XXXX, North Carolina XXXX.
|
| 01/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account, I feel I have been treated deceptively and dishonestly.
|
| 11/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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Sun Trust Bank has been charging my account for seven years XXXX dollars ( XXXX $ ) every month for not having XXXX XXXX as a balance. I would never have agreed to that as I sold my home in 2008, and worked through most of my savings, when I moved from XXXX to XXXX.
I have not had XXXX XXXX more than two or three months of that whole time.. and want the bank to return that fee for using their bank .... as it adds up to about a XXXX over five or more years.
I told their bank to stop sending me paper statements, and I would l look online and never saw the fee online.. soo when I saw it the other day, and asked they told me that was the reason that I explained above. I think they had added it when I first deposited the amount from the sell of my home? I think if they see a customer has for years? Or months? have not ever had a XXXX XXXX dollar balance, and they keep charging that, it is unconscionable.
I do plan to hopefully sell some property in the future, and if I do, i will not deposit that money in this bank, due to the loss of any trust that they watch out for their customers.
|
| 12/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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Opened new credit card for my son, XXXX/XXXX/XXXX, XXXX credit score provided at account opening was XXXX. I made NO CHANGES nor requested ANY changes regarding my existing credit card that had my son as authorized user on. Unknown to me and without my consent, the SunTrust account representative, converted my historical " paper statement '' from account opening over to " e-bill '' statement resulting in me not receiving any bills. The fact that I did n't get any statements, again not knowing any changes had been made, resulted in the bill being late. Once a delinquency notice was received the money was immediately transferred over that day as ample funds ( large deposit balance ) was in the SunTrust Checking account, therefore zero reason not to pay other than SunTrust illegally, unfairly, and deceptively changed my periodic billing statement over to e-bill without authorization resulting in my receiving no bills. SunTrust did refund the late payments assessed but that was the minor fix, they have ruined my son 's credit score and drastically impacted my nearly perfect credit score.
|
| 09/05/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
|
|
Web |
Older American |
|
THIS IS A COPY OF A LETTER MAILED TO THE CFPB ON XX/XX/2018. FILING COMPLAIT FOR SUN TRUST BANK. REFUSAL OF REQUESTING TO ASSUME LINE OF CREDIT FOR MY MOTHER 'S LINE OF CREDIT ACCOUNT. SUN TRUST HOLDS THE DEED TO MY MOTHERS PROPERTY. ON XX/XX/2018 I WAS APPROVE TO BE THE PERSONAL REPRESENTATIVE OF MY MOTHER 'S ESTATE. AFTER RECEIVING A DEFAULT LETTER I TALK TO THE PERSON WHO TOLD ME HE WAS IN CHARGE OF HER ACCOUNT. AT THAT TIME I TOLD HIM I WAS THE PR FOR MY MOTHER 'S ESTATE. I TOLD HIM THAT I HAD AN APPOINTMENT WITH XXXX XXXX XXXX AND THEY ARE .GOING TO HELP ME TO BRING THE ACCOUNT CURRENT. THE FOLLOWING WE TALKED AND I TOLD HIM THE DETAILS OF THE PROGRAM, AND TOLD HIM I NEED A COPY OF MY MOM PROMISSARY NOTE, HE SAID HE WOULD MAIL IT. WHILE THE PROCESS TO BRING THE ACCOUNT CURRENT HE OFFERED ME A DISCOUNT ON THE BALANCE OF THE XXXX OF XXXX. AT THAT TIME I ASKED IF I COULD ASSUME THE LOAN HE TOLD ME NO I ASK WHY HE SAID I WAS NOT IN HER WILL AND NOT ON THE LOAN. SUN TRUST WAS MAILING THE BILL/STATEMENT TO XXXX XXXX AT XXXX XXXX XXXX, XXXX, MD. XXXX FURTHER INFO.I WILL PROVIDE LATER.
|
| 01/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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On numerous occasions since opening a checking account in XXXX, SunTrust Bank changes the manner in which they manage your checking account so they can pad your account with fees. I most recently ( XX/XX/XXXX ), had a situation where my money covered everything that came through, yet they used their ATM fee to charge me a {$36.00} fee. I was told that they would not reimburse and came up with a new excuse. In addition, if you have overdraft, they will attempt to pull from it, even if you have nothing in your savings, then charge an additional fee for trying to pull from that account. I am on the phone with the bank almost every 2 weeks for some problem, and there is always a new excuse. I have never dealt with a bank that caused so much aggravation. I will be discontinuing my relationship with them. The online banking is horrendous and never accurate. They have a new answer for every incident. First, they say checks do not so there is no way to resolve any overages to avoid fees, yet a check I wrote was showing as pending yesterday. Again, I believe that they are padding accounts.
|
| 10/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
XX/XX/2006- noticed that banking account with SunTrust had been depleted by unauthorized transactions. Contacted bank of fraudelent charges and submitted police report the same day. SunTrust opened a fraudulent joint account ( over the phone ) with someone pretending to be me and then allowed all the money in the account to be moved out of my account in a three day time period. Have been fighting to receive our funds now for 11 days without much success. The lead investigator XXXX XXXX has not given affadavits in a timely manner and does not reply to e-mails, or phone calls in a timely fashion. We have only received XXXX affadavits regarding the case and are still missing XXXX. At this time XX/XX/XXXX ( day 11 ) no money has been replaced in the account. Recieved one case # affadavit at the end of business day Friday XX/XX/XXXX, notarized and scanned on XX/XX/XXXX and also sent certified mail on XX/XX/XXXX. Still have not had recieved any stolen money replaced into account. We hired a lawyer to help navigate and the company refuses to provide our lawyer with requested information.
|
| 05/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
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On or about XX/XX/XXXX, I initiated online contact with Sr. loan office XXXX XXXX of SunTrust Mortgage regarding a HELOC vs. 15 year cash out refinance. On XX/XX/XXXX at XXXX, XXXX XXXX sent 2 proposals for a 30 year refinance. At XXXX, I informed XXXX XXXX , that I would not be moving forward with his proposals. XXXX XXXX insisted on communicating with me after I advised him again at XXXX and XXXX that I would not be moving forward with the process. XXXX XXXX then sent disclosures for me to sign ignoring the fact that I told him on 3 different occasions that I would not be moving forward and requested a supervisor. On XX/XX/XXXX at XXXX, XXXX XXXX sent me an email requesting additional information o send to underwriting. Additionally, XXXX XXXX made an inquiry on my credit report after I advised that I would not be moving forward on XX/XX/XXXX. XXXX XXXX is now bordering on the line of harassment and bullying. After advising him on three separate occasions that I will not move forward, he proceeded to send disclosures, access my credit report, and request additional information.
|
| 03/27/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.
We found this to be strange as we have automatic payments and the money was taken from our account.
My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry.
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX.
i called that number and was told that they were a different company not affiliated with SunTrust.
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.
|
| 07/18/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
This is a SunTrust Cash Rewards XXXX with a {$21000.00} limit. It has not been overlimit. Since XX/XX/XXXX, during a single billing cycle and statement period, I made {$9600.00} in payments and {$58.00} in purchases, and while the balance reflects all the payments, the {$9600.00} paid only shows as {$6500.00} available credit. There are no pending charges and no automatic payments on this account. Where are the {$3000.00} missing from the account? SunTrust ca n't explain it and it does n't publish charges. There should n't be interest Charged against these payments since it 's inside one statement period.
My most recent cash payment of {$2000.00} on XX/XX/XXXXyielded just a {$990.00} increase in available credit. The bank does n't disclose what it 's doing with 34-50+ % of our payments, it just shows an {$11000.00} balance on an account with a {$21000.00} limit that has only {$6400.00} available credit. Where did our {$3000.00} go? SunTrust wo n't tell. I 'd expect this kind of deception from someplace like XXXX, and am sorry to see that SunTrust treats customer 's the same way.
|
| 11/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My personal home was damaged recently. The loss is covered by insurance. The insurance company has begun to provide funds for the necessary repairs - approximately {$160000.00}. The payments are to be sent to me as joint checks between me and our mortgage company. When I received the first payment from the insurance company, I endorsed the check and sent it to our mortgage company, Sun Trust Mortgage XXXX Inc. ( " STM '' ). They responded with an XXXX XXXX, 2015 letter with the step by step recipe for how to receive funds to pay the contractor for the necessary repairs. That letter has XXXX problems as part of the requirements. First they are requiring that the contractor sign a lien release form that is illegal in Texas as Texas has statutory lien release forms to must be used. Second they are requiring a copy of the contractor 's license. Texas does not have construction licensing. I have written several letters and made numerous calls to STM. They refuse to correct their requirements and to revise the letter. I am being delayed in having the necessary repairs made to my home.
|
| 06/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust mortgage went thru the steps but never received papers and always asked for more. also, I just learned that suntrust should have had to notify me when the ownership of my loan changed hands within 30 days. i was never notified when, meers transfered ownership back to Suntrust an d XXXX XXXX made Suntrust take the loan back.So twice my loan changed hands, and both times I was never notified. to this day. I have never been given notice. I was never notified this in writing. they even got in trouble earlier when i applied for my loan. I was in XXXX and was living in both XXXX and XXXX for work. Suntrust tried to claim on my mortgage insurance and the insurance denied the claim becaus e Suntrust wrote a lo an that I was suppose to be living in the home full time and they new I was both in XXXX and XXXX . My tax returns even had a XXXX address. They should have qualified me for a loan that I was living in both states off and on. S o Suntrust qualified m e for the wrong type of loan to start.Please investigate this. thank you. thank you
|
| 03/07/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted paper work for a loan modification with Suntrust Mortgage in XXXX. I continued to keep in contact with my Loan Preservation Representative, XXXX XXXX, who would tell me whether or not she need more information. I called to find out the status and she confirmed that everything was fine and it will be sent to the loan company. then i received a letter saying they were going to send my loan to another service co. XXXX and they would transfer all my information over to them. When i called XXXX, they told me they did not have any information on me and could not discuss the loan and until they had the information there would be no discussion. I called Suntrust and spoke to XXXX. XXXX, she claimed they sent everything over to XXXX. I called them back and found out they sent my deceased husbands ( 2008 ). name over instead of my information along with my active modification process. I am tired of playing this back and forth game with Suntrust, I am not able to pay my mortgage and it 's behind.I have been unemployed since XXXX and i would like so help.
Sincerely, XXXX XXXX
|
| 05/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I opened SunTrust savings and checking accounts onXX/XX/XXXX When opening it, I transferred {$50.00} to the checking account and {$5.00} to the savings using the debit card of another bank.
The balance of both SunTrust accounts was {$0.00} untilXX/XX/XXXX. Once the funds had finally been transferred, I used the checking account to send two small XXXX payments to my roommate.
On the evening of XX/XX/XXXX, I attempted to log into SunTrust 's online banking system. A message appeared stating that my account had been locked and that I should contact a customer service representative for assistance. Upon doing so, I was told that both of my accounts had been terminated due to a violation of the SunTrust Rules and Regulations ; however, neither the original CSR nor her supervisor would tell me the specific reason for the closure.
Then I was told that I would have to wait around two weeks to receive a cashier 's check for the balances that were in the accounts when they were closed. I asked if I could go up to a SunTrust branch and receive my money that way, and I was told no.
|
| 01/24/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
My bank Sun Trust called me on the XX/XX/2020 to inquire if I knew about multiple transactions on my account, I told them I wasnt aware of such transactions and they said they were going to investigate the fraud! I waited till today XX/XX/2020 I eventually went straight to the bank today so I could withdraw my daughter whos in College money, the bank told me they were still investigating the case, when I got home I called the customer service by name XXXX XXXX, and he told me the case was denied that he would send me the denial forms to re-file another claim that this was going to take 5-7 business days, please help me out! Not only that my daughter in college money is involved, I equally take care of other children from there and I have a XXXX year old baby, a XXXX, and a XXXX years old that are depending on me to take care of please I need help to get my money from Suntrust Bank. The transactions were as follows : sent to world remit {$480.00} sent XX/XX/2020, {$240.00} sent XX/XX/2020, {$200.00} sent XX/XX/2020, XXXX sent XX/XX/2020 the only money reimburse was {$210.00}
|
| 11/03/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Money order
|
- Lost or stolen money order
|
|
Web |
|
|
I issued an money order on XX/XX/XXXX-submitted to my apartment manager for payment, 2 weeks later i got a notice telling me my rent is past due- $ XXXX-money order payment thru XXXX XXXX. I called XXXX XXXX to report stolen money order and it had been cashed on XX/XX/XXXX- to sun trust bank, not sure of which bank, XXXX XXXX will not provide me with that information. I worked with XXXX XXXX for several months, then i get a letter where suntrust bank denied paying of stolen money order.
I have never met or seen the person whom name-XXXX XXXX is on this money order. The money order was cashed without a signature and identity.
I had to pay a double rent of {$560.00}, for the month of XX/XX/XXXX, which caused me hardship as a single parent withXX/XX/XXXXchildren and XXXX XXXX XXXX, and I do not get any government services. I can not afford to loose that much money.
XXXX XXXX did not require me to do a police report, because they stated they could clearly see money order altered and I did a affidavit and it was notarized, if there is anything else I can do please let me know..
|
| 05/08/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
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|
I have a mortgage on a property that requires flood insurance. Suntrust bank requires a copy of the policy annually. My association has the insurer forward the updated policy annually. For the last 2 years, at least, they have claimed that they have not received it despite it being sent via fax 3 times, with loan number included. I have been threatened with forced flood insurance in multiple letter mailings. Each year I have to make numerous calls and the representatives I speak with refuse to give me access to a manager. They claim they will send an email to inform the " managers '' but I can't speak to one. In an effort to resolve this issue, both this year and going forward, I spoke directly with my insurer and had a conference call with a representative. They refused to allow the insurer to speak with a manager as well. They claimed they will email a manager and that they would contact my insurance representative in 24 hrs. I will never take out a mortgage with these people again. My time is valuable and I have lost hours of it in attempting to resolve this problem.
|
| 07/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I filed a dispute on two diffent cases with the fraud department one for XXXX and the other transactions i didnt reconized from XXXX and XXXX so i filed a dispute suntrust called me a rep in thr fraud department calls me and ask some questions about the disputes she didnt let me talk when i was trying to explain to her about XXXX i paid XXXX dollars for service to be installed i was told to pay my brothers bill before they install service so i declined and ask for my money back they didnot return mu money to my card this rep for suntrust fraud department denied my claim on this she didmt reach out to XXXX at all so i paid XXXX dollars but yet never got it back because this rep did not do her job i wamt my money back and thr other disputes she also failed to do her job ans denied thst claim i wamt my money back im closing my account because suntrust failed to there job, im not filing no appeal that woukd take 45 days if someone did there job more probably. I wouldnt be going through this, i was called a liar on this claim i dont appreciate that this needs to be resolved
|
| 11/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
|
|
My complaint is regarding my SunTrust credit card. They will not refund me the money from transactions with XXXX ( since XXXX issued a partial refund, SunTrust has washed their hands of the " investigation '' ). I have tried to resolve my dispute with XXXX, but XXXX is not responding to my complaint that I made with the Better Business Bureau. XXXX issued a partial refund. My credit card company, SunTrust, " investigated '' my disputed amount and will not remove the charges.
I have XXXX recorded stating the price. Please listen to the call with XXXX which is recorded below ( Sorry that I had to send a link to a video of the conversation, I did not have conversation recording software on my phone at that time ) : XXXX XXXX XXXX XXXX My SunTrust credit card should protect me from these dishonest practices, but they will not. SunTrust 's " investigator '' did not even contact me regarding this. I spoke to a supervisor at SunTrust who indicated that, SunTrust will not help me any further. That is one of the main reasons to use a credit card, protection during purchases.
|
| 02/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
We have had a mortgage with Suntrust Mortgage for over 10 years. They recently sold our loan to XXXX. We paid XXXX in full so the home is now paid off. Suntrust Mortgage sent us a letter stating these changes would take effect on 11/30/2018. The payment was on an auto payment every two weeks for {$380.00}. Suntrust continued to deduct this amount 5 more times totaling {$1900.00}. They used a third party ( XXXX XXXX ) to make these automatic deductions. I called the third party to request these payments to stop. They told me they could only refund me for the last withdrawal of {$380.00} in which they did but the amount refunded was {$380.00} not a big deal. But they also told me they couldn't refund me the other 4 withdrawals ( {$1500.00} ) made to my account because they were sent to Suntrust. I have begged and pleaded with Suntrust about this matter and I can't even get them to send me a statement. The third party ( XXXX XXXX ) told me to request a 3 month activity statement from Suntrust Mortgage but they will not do so. I am at a loss on how to get my money back.
|
| 01/31/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I bank with Suntrust filed a dispute on unauthorized charges on my credit card which was denied.
There were 2 charges on my card for gift cards at a gas station in XXXX XXXX at that time I was in XXXX which triggered a fraud alert and my card was subsequently shut off after i verified they were not by me this caused me severe harm as I had no access to funds in the middle of nowhere in Montana heading back to XXXX The second charges were from XXXX XXXX XXXX XXXX authorized charges for a car rental which my wife rented and paid for by her own credit card for several months prior to the charges that showed up on my card her card was shut off for fraud entterprise wanted a card on file for the rental till she got a new one we were in XXXX at the time couldnt return car so I gave them my credit card info on the premise they would not charge it the rental was not in my name until my wife got her new replacement credit card These charges are around {$1600.00} subtrust has extremely poor customer service I had to wait hours on the phone filing complaints they just dont care
|
| 07/04/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Older American |
|
I am on a fixed income. During the period X/XX/2017 thru X/XX/2017 my bank charged me {$430.00} in returned check fees, {$72.00} in overdraft fees, refunded {$72.00} in returned check fees because {$36.00} was charged in error and the other {$36.00} was because overdraft was not covered in 5 days. I get a check once a month and the bank is well aware of my situation.The amount they charged me is equivalent to 3 weeks groceries. I called the bank and complained first to a teller then to a supervisor and then to a manager and the only thing they would do was refund the {$36.00} for the second fee on a returned check. They just charged me {$140.00} in three days because some eft payments were not paid because of insufficient fees. One for {$5.00} which they charged me {$36.00} for. This bank is robbing me blind. Charges last year were almost {$800.00}, most of them the day before my deposit went in. I have automatic deposits and they certainly can see when they are coming in. I would appreciate anything you can do to get my money back and to stop these insane charges.
|
| 08/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
My case # XXXX was closed, however, I am not happy with Suntrust 's response. It was not until I requested back money that they changed their story from bank error to my error. I have witness that were on the phone with me that heard the Suntrust representative state that it was bank error on multiple occasions. My witness works for XXXX XXXX XXXX XXXX. The Suntrust representatives knew she was on the phone due to all of us trying to figure out what happened. Here is my original complaint : I had a checking account with Suntrust bank. In XXXX of XXXX, an automatic payment to XXXX XXXX was rejected. I realized the payment had been rejected when my insurance was cancelled for nonpayment. I reinstated my insurance and did not know there was still an issue until XX/XX/XXXX. On that date, I got pulled over by an officer with an electronic tag reader and was given a ticket for suspended registration. After several discussions with XXXX XXXX, Suntrust, and myself, Suntrust acknowledged a bank error on their part and acknowledged that the payment should have gone through.
|
| 05/19/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Problem accessing account
|
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Web |
|
|
Last year I acquired a secured credit card through SunTrust as a way to build my credit score. As a condition of this credit card, I had to make a {$300.00} deposit on the card from my current Savings Account with SunTrust, which would be returned after a year of making regular payments on the secured credit card.
After a year, my credit card was upgraded, but my deposit was never returned to my savings account. After calling SunTrust multiple times I discovered they had returned my deposit to me by opening a new Savings account without my knowledge. I received no notice that a new savings account had been created in my name and no information regarding the account details. I had to go in person to my bank and ask them to close the account and put the deposit back in my original savings account. As this {$300.00} Savings account created from my deposit was under the {$1000.00} minimum to waive monthly maintenance fees, my account would've slowly lost value due to monthly maintenance fees without my knowledge if I had not been proactive in closing the account.
|
| 08/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX XXXX claims I owe XXXX to Sunturst, this account was closed with numerous overdraft fees charged which are in dispute, Suntrust would not resolve them. The fees in question were charged after an item was returned, a check in the amount of XXXX from XXXX XXXX. XXXX XXXX placed a stop payment on the check in error, the item caused Suntrust account to become overdrawn and fees charged. Stop payment is not my error, however, Suntrust refused to credit fees back. Shortly after account was closed with overdrawn balance, a payment was mailed in form of cashiers check from XXXX XXXX XXXX to Suntrust. It appears it was not received and do not have a copy of check to provide, the account it was drawn from is not mine. My bank is not local and had to use XXXX XXXX for payment, a friend used her account to get cashiers check. It appears Suntrust did not receive check or possibly credited it to incorrect account, I do not know which occurred. I will not pay again, XXXX XXXX XXXX needs to remove account from collections as well as any credit reporting agency.
|
| 01/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
XX/XX/XXXX ; I advised my mortgage company. that I was reviewing my XX/XX/XXXX escrow account online and advised them that they did not have my new insurance rate for the year. They had updated tax rate and even showed what my new payment would be starting XX/XX/XXXX and I was the one advising them of the new insurance rate.
When I was transferred to the tax dept. and the new rate was put in which Went from {$680.00} per year to {$720.00} per year ; which is only a {$41.00} difference ; the new escrow was refigured and instead of charging me an increase in escrow of {$41.00} ; they were calculating a {$89.00} yearly increase. I asked why and they said that is to take care of projected increase for XX/XX/XXXX.
I was tired of trying to explain that we are dealing with XX/XX/XXXX escrow and not XX/XX/XXXX.
I have had problems in the past with this bank as they do not keep up with the tax and insurance information.
They are very hard to communicate with as their employees have very little English skills.
Please advise how I can get this corrected.
Thank you.
|
| 05/09/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On or about the middle of XXXX I immediately notified Sun trust Bank of unauthorized charges with my debit card in the amount of {$8100.00}. I filled out the proper forms required. Afte r 10 bus iness days they denied my claims and did not refund any money. Upon receiving the denial notices I immediately followed their procedures again and filled out their rebuttal forms as to why my cases should be reconsidered. After another 30 days of waiting they gave me credit for XXXX charge {$250.00} out of approximate XXXX disputed charges. All charges had the same or similar description just different amounts. I am still out {$7900.00} approximate that still needs to be refunded. How the bank comes to the conclusion that I did n't authorize the XXXX charge they gave me credit for, but says I 'm responsible for the remainder of the charges is quite confusing since all the the charges had the same description which I did not authorize. The documents are attached for your review from sun trust bank. I simply want my money back. Thank you for your time and help.
|
| 05/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I had been looking for a new bank and wanted to give SunTrust a try.
XX/XX/XXXX - I opened a Personal Checkings and a Business Checkings account online.
XX/XX/XXXX - I went into a branch to deposit {$100.00} into each account. I was paranoid because I got an email from SunTrust saying my accounts would be closed if I did not deposit money within 5 Business days. I also signed my signature cards.
XX/XX/XXXX - I got a missed call from the Fraud department of SunTrust and they left no message. I called back and the CSR says there's a note for me to go into a branch for additional verification. I go into a branch later that day and the teller tells me both my accounts are " closed due to rules and regulations. '' XX/XX/XXXX - I phoned SunTrust to try to get more information. They can not tell me anything about why my accounts were closed. They also stated it would be 10-15 business days to return my deposits after the account gets fully closed. They offered no indication of when the accounts would be fully closed. So who knows when I'll get my money back.
|
| 01/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I put in a claim with SunTrust bank over a vendor that took my money for a service and never supplied the service or replied to any of my inquiries. The bank issued me a temporary credit for the amount, but after their investigation decided that they would reverse the temporary credit. They sent me notification of the reversal AFTER it had been done. The letter they sent was dated XX/XX/XXXX and it read as follows : " Based on this information, we will be reversing the temporary credit that was issued to your account in the amount of {$200.00}. The adjustment is scheduled for XX/XX/XXXX. '' Their inability to notify me before resulted in an overdraft and associated fees in that account. When I attempted to explain to them that they notified me after the fact, it was like talking to a brick wall. Eventually they reversed the fee, but their practices are terrible. This is not the first time I have gotten caught in their bad practices resulting in me losing money. You have to be willing to argue to get your money back from SunTrust even when it is their doing.
|
| 02/19/2020 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I started a bill error complained on XXXX for an charge from XXXX XXXX XXXX, which Suntrust Bank dont want to Investigate because the 60 day Rule has pass ( copy attached of the latter ) is my Understanding that by Law ( CFPB ) is two years.
Please investigate Thank you XXXX XXXX SunTrust Bank XXXX. XXXX XXXX XXXX, FL XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX : Credit Card Number ending : XXXX Case Number : XXXX Dear XXXX XXXX XXXX : Thank you for your inquiry on your SunTrust card account.
SunTrust has received notification regarding your billing error dispute with XXXX XXXX XXXX. Per the cardholder agreement SunTrust must be notified within sixty ( 60 ) days from the statement/billing date on which the error first appeared. We did not receive your billing error notification within this time period ; as a result your dispute case has been closed.
Should you have any questions or require additional information, please contact our office at XXXX.
Sincerely, Fraud Assistance Center XXXX ( XXXX )
|
| 02/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
Servicemember |
|
Suntrust Claim Number : XXXX My husband 's wallet was stolen on XX/XX/XXXX. Fraudulent debit card charges in the amount of {$1200.00} and {$61.00} were made at a XXXX and money was withdrawn from an ATM in the amount of {$500.00}. A check was also deposited into our joint account in the amount of {$500.00} from XXXX XXXX of XXXX XXXX that was denied. We filed a claim with Suntrust on XX/XX/XXXX. Suntrust denied the return of this money stating that these transactions were not done in error on XX/XX/XXXX. The total amount lost was {$1700.00}. Suntrust Fraud team reported under their Regulation E that they didn't have to return the money based on their investigation. I'm asking for help in this situation. My husband wasn't in any of these locations during the times of these transactions. We'll submit the police report number and the findings from Suntrust. We'd like Suntrust to confirm camera footage at their ATM and XXXX to verify who made these fraudulent transactions. This money taken was our XX/XX/XXXX mortgage payment. We really need this money back.
|
| 07/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
A claim was filed for item not received on or around XXXX XXXX , an item from XXXX in the amount of XXXX . An affidavit was signed, faxed in, verified received by Suntrust claim rep ( s ). I received a letter shortly after from a XXXX , claim rep, asking me to call him as he needed to know what the item is that is missing, which was already stated to rep who took claim. Several calls were made to reach him, left several voice messages, none returned. A XXXX XXXX was ordered, missing from box, this was detailed in claim. XXXX reps refuse to refund, will only reship item, XXXX will not investigate further was claim was closed on their end by mistake and will not reopen it. I received a letter from Suntrust today, in regard to case XXXX , stating it is now closed as I did not provide information they requested in a letter dated XXXX . I believe this is the same letter from XXXX , asking what the item is that was ordered. The claim rep I spoke with today, XXXX , stated investigation is still open, which is contrary to what letter states
|
| 02/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I am disappointed that because of a negative $ XXXX on my SunTrust Checking and savings account were closed.
I understand that account in the minus longer then 60 days have the account closed. I love SunTrust and wish to remain a customer by having my federal tax refund direct deposited into the reopened account which can repay your company for the loss. Your bank is the best I have ever had. I wish to resolve this.
Unfortunately I have called and called your support lines and been given multiple answers. I wish to know which one is correct.
Can I re-open my previous account Please? I wish to repay the {$13.00} debt.
I will have my Federal tax return direct deposited into my account.
If so ill need a new debit card sent to me as I have lost the other.
If the same account can not be reopened can I create another checking account and resolve the debt still?
I didn't receive any notice when my account was closed. No email when it was in the negative.
I have tried responding to the secured emails that I have but I do not get a response.
Thanks
|
| 05/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
Older American |
|
I opened an account in 2003, checking at Suntrust, and they automatically added an overdraft protection line of credit. It was set up as auto-draft for repayment. They took out {$10.00} per month if it had been used to cover an overdraft. When I found this on the report, about a year ago, I went to the bank. It took them an hour to even find it since they don't do Overdraft LOC anymore and it was archived in their system. However, once I started trying to get it corrected or even removed, they bowed their back and said it was being reported correctly after almost 7 years. This bank in particular seems to take pride in telling customers NO. No one that I ever worked with is even there and no one can confirm or deny my allegations of auto-draft for repayment. This is hurting my credit and should be removed after 7 years in XXXX but it should have never been on the report. No one there is empowered to use common sense to evaluate my request but only say it is reported correctly. IT IS NOT. They have total control and are not going to be told they are wrong.
|
| 08/31/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello, Suntrust Mortgage Inc services our mortgage loan. In XXXX XXXX, I submitted a request to Suntrust Mortgage Inc to modify our interest rate since our rate would be adjusting XXXX XXXX to a higher mortgage. We can not qualify for a refinance of our loan because we are self-employed. Over the last year we have had XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. We submitted all the documents request by SunTrust Mortgage Inc. regarding our loan modification but have never received an answer regarding our request or follow from any of our XXXX Home Preservation Client Representatives with SunTrust Mortgage Inc. My husband and I would like to keep our property but like to modify the rate to a lower rate to be able to keep our property. I am not asking for a principal reduction only to lower our interest rate so we can keep current with our mortgage payments and continue to pay per the terms of our agreement. I would try to refinance but we do not qualify for a regular since we are self-employed. Our payments are not delinquent.
|
| 09/17/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
In XXXX of 2015 an auto pay was set up for equity line with Suntrust through our XXXX personal account but amount was set up wrong only because our first statement reflected partial month. Our payments were made on the same day of each month in the sum of {$400.00} instead of the {$680.00} which was the correct amount. We have another mortgage with Suntrust for which we have been making an extra payment of {$2000.00} per month for the past two years to reduce principal. Lender never notified us about the shortage in payment via phone, text or email -although this information was provided to them ( myself, my husband or my office ) nor did they ever send a late payment letter in the mail until end of XXXX. Due to the lender 's failure to properly notify us. We have several mortgages with our businesses, credit lines and credit cards and we have never been late for the past 25 years ) our credit score dropped almost XXXX points and line was closed. If lender -had given us a fair chance to remedy the error, this problem would have been resolved immediately.
|
| 04/20/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I surrendered my car two years ago because of hardship. I could not keep up with the payments..I really believe that the vehicle was way over priced. I needed it because the one i had prior from the same dealership had computer problems, that could not be remedied. So i needed another vehicle for work at that time. After getting the vehicle i looked at the " blue book '' value and realized that i was charged {$15000.00} dollars more then the car was worth and payments almost {$500.00} a month + insurance. So when i could no longer work because of health issues. Which I relayed to the lender. And was put on a payment plan.I found myself struggling to survive. I am on XXXX now. I received a letter from XXXX XXXX XXXX with an offer to pay 25 % of the debt. I called and was told i would have to pay it off in 3 month. When i called back. I got another irate representative that told me that i could not pay what i had agreed on. I ask why,,, she demanded that i pay the whole amount. Because of my XXXX i can't afford to go back and forth with this. I need help.
|
| 12/28/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American |
|
on XX/XX/2014 a sales rep by the name of XXXX from XXXX XXXX came to my address at XXXX XXXX XXXX XXXX XXXX AZ offering cheaper cost of electricity if we went XXXX.I agreed, but i was never told that I would be purchasing this solar panels the rep said it would be a lease. turns out the the Solar Panels where installed on my roof but the have never worked not even one day. the company ( Sun Trust Bank/ XXXX XXXX XXXX ) i even paid them a total of 14 months a pyment of {$110.00} every month till i felt this was really wrong.they still been harassing me sending me dept collection letters, they did big damage to my credit, Ii had called the sales rep XXXX on XX/XX/2014 to complain, he had told me that the Solar panels where going to be removed and I would be cleared its been 4 years and the issue continues. I even tried to refinance my home but I couldn't due to the collections I have with burro. I really need help to get this dept of my back im getting charge for something I never had.
ps : the last four of my social sec # XXXX computer keeps changing it
|
| 06/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XXXX XXXX , 2017, I was trying to deposit check via ATM, card did not work and I called Suntrust. Bank Representative told me that my account is being reviewed and I will get a letter in the mail about their decision to keep account opened or closed it and if closed, I will get my money in the mail via check. I asked why no one contacted me, I get daily notification email about my account balance and nothing about funds are being on hold and what 's going to happen with my third party payments that I made against this checking account. The representative told me Suntrust do n't deal with fees charged by others and I have to contact them myself. This is unacceptable, I am being penalized without any advance notification. I just paid my college child rent from this account, our pay checks are being direct deposit into this account within next week. We live pay check to check and wo n't have access to money until they are done with their review. This is abusive and unfair and I need Suntrust to be accountable for putting us in financial distressed.
|
| 05/30/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Tax payments were made from my account that included penalty and interest in the amount of {$420.00} without my consent in XXXX XXXX . I did not receive a supplemental bill from XXXX XXXX in XXXX XXXX , though their system shows that a bill wa s sent. Suntrust can not disburse amounts without the consent of customer but they did. I requested suntrust to provide proof that a call was made requesting them to disburse funds. Their tax department agreed to provide proof but later denied after few months. My wife has never made a call to Suntrust and now Suntrust claims that somebody did call and they can not provide any proof. I have attempted 7 times to resolve this matter and I have been given a run around. I was promised 4 times in the past that there will be follow up call and a proof will be provided to me, but no one called nor provided an explanation.
It defies all logic that I would wait 3 months to make the call to Suntrust a bout the bill that was received in XXXX XXXX , knowing that the bill will attract penalty and interest.
|
| 08/30/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
Servicemember |
|
XX/XX/XXXX, rented a car from XXXX XXXX XXXX XXXX out of XXXX XXXX XXXX, XXXX XXXX Ga. The close out receipt called for a single payment of {$470.00}, which I accepted and left the airport. My credit card was charged {$260.00} w/o my legal authorization. Dealing with XXXX, they alleged it was for a damaged window, which I had company rental agreement stating the vehicle was already damaged. Next allegation, it was for loss of use of vehicle and subsequently, it was for 2nd rental. I filed a fraud complaint with Suntrust somewhere around mid XX/XX/XXXX and before XX/XX/XXXX. During that period, XXXX agreed to recredit the card on XX/XX/XXXX. Instead XXXX charge my card against while SunTrust was sitting on a fraud complaint. I received a letter from SunTrust XX/XX/XXXX stating my case was closed, even though XXXX had just issued an unauthorized purchase to the personal credit card.
SunTrust habits with complaints is act as thou the charging party is apart of the bank operation and appears to assist in undermining the customer rights under federal law.
|
| 01/22/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
For my account ending in XXXX, SunTrust looked into my recent claim and told me to identify the exact transactions that were fraudulent. I now have the exact amounts and dates so Ms. XXXX XXXX can file the claim on my behalf. I called and they told me they can not find the transactions listed and I have to have someone in the corporate office do it for me.
The following transactions were NOT authorized, I am unsure who did them and they occurred when I was overseas : XX/XX/XXXX {$930.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX.
XX/XX/XXXX {$1100.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$330.00} Electronic/ ACH Debit XXXX XX/XX/XXXX {$1000.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$1500.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX
XX/XX/XXXX {$900.00} Electronic/ ACH Debit XXXX XXXX XX/XX/XXXX {$550.00} Electronic/ ACH Debit XXXX
XX/XX/XXXX {$2200.00} Electronic/ ACH Debit XXXX XXXX XXXX XXXX Web Pmts XX/XX/XXXX {$790.00} Electronic/ ACH Debit XXXX
|
| 12/12/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- You never received your bill or did not know a payment was due
|
|
Web |
|
|
I had a Cash Rewards card from Suntrust Bank. I used it for a year or two. And then I decided to pay it off. The final balance was only {$32.00}. I paid it by phone, the person ensured me it was the final balance. I checked my XXXX report recently and it says {$160.00} due with a late payment. I called Suntrust. They inform me that they were wrong, and I owed an additional {$32.00} back in XX/XX/2018. So this has now become {$200.00} with fees.
I never received a bill. I never received a bill by physical mail. I never received a bill by e-mail. I never received a phone call. I had to find out about this through XXXX. I have paid the {$200.00} to stop the interest accruing. But I am furious and would like a MINIMUM of {$170.00} returned to me, as the original amount I owed was {$32.00}. I will not do business with Suntrust for the rest of my life, banking or credit card, or any goods or services. I hope I can find resolution to this issue and most importantly remove all records of a FALSE late payment from my perfect 100 % 10-year credit history.
|
| 01/25/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
I paid a bill using SunTrust 's online bill payment. I received an email the next day saying I was now enrolled in their " ebill '' program and would no longer receive paper bills but have my bills emailed to me. I DO NOT WANT this and did not authorize them to do this. I called ( and was on hold for over 15 minutes ) and spoke with a rep. They said they could not cancel this. I told him I never enrolled or wanted this service, they gave it to me. He refused to cancel this and I asked to speak to a manager His manager, XXXX XXXX, got on the line. I explained to her SunTrust enrolled me in this service, I did not want it, and I wanted it cancelled. She refused to do so. I informed her I would be filing a complaint with the CFPB, With what happened with the XXXX XXXX unauthorized accounts I am shocked that another Bank would be engaged in practices like this today. I can not believe a Bank would enroll me for a service without asking for my permission or authorization and then refuse to cancel it. I want the EBill program cancelled on my account asap.
|
| 09/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.
|
| 09/29/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
My mortgage lender did n't include any PMI on any of my good faith estimates or HUD documents until he showed up at closing. We had just sold our house that morning and wired the money to buy our new place. When I was handed the contract while we sat across the table from the seller was the first moment I noticed the payments were so much higher. I asked about why it was higher and was told that the payments went up because the home insurance and taxes had been underestimated. I still did n't see it adding up but felt forced to sign because at that point, we had no where to move back to, our old home had sold already. It was n't until I had time to compare all our old estimates did I see that PMI was never included in the good faith, HUD, or even final documents emailed the day of signing. The first time the PMI was added was at closing. I did not know it would be required to get the loan and was relying on the lender to disclose everything to me so I would know what I was getting into. Now my payments are almost % XXXX higher than any of my quotes.
|
| 01/03/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
On the XXXX of XXXX I made a payment for {$600.00} to my mortgage company ( SunTrust ). I made that payment using my banks web-site service. On the XXXX I made another payment using the SunTrust ( ST ) web-site. That payment got lost and they claim they never received it. I contacted SunTrust and informed them that I had a tracking number and the money was taken out of my account. ST told me they have not received it and that their web-site takes you to a third party when I make this kind of payment and they have no control over it. I was also told to fax my account statement to prove my complaint. After getting no where I was able to talk to management and I was told my second payment was mailed instead of being sent e-pay by third party which provides this service for ST. She told me that she would waive the late payment and she was sorry. On XXXX XXXX, received an email stating next payment due for XXXX 2016 is {$1100.00} so I assumed the problem was corrected. On XXXX XXXX, 2016 I received another e-mail that a payment of {$2300.00} is due now.
|
| 11/18/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have been trying to work with Suntrust for over a year to ensure that I keep my home. I filed for a modification last year. I was up to date with my mortgage and was denied. They offered me the option to short sale. I do n't understand why they would rather let a potential new home buyer to take advantage of the fact that my home has lost value rather than work with the person that has not missed a payment in 10 years. Against my better judgement, I stopped paying my mortgage in hopes that they would help. I filed again in XXXX. Only for them to tell me that they did not get my paperwork. I gathered all of the paperwork once again. Only to be denied a modification and offered the short sale option once again. I can not short sale my house and be taxed on a XXXX. I simply ca n't afford it. They do not have my house properly appraised, have not attempted any kind of resolution, and the rep pretty much told me that he is busy and I am just a number / case load for him. I do not want to lose my home, but I am at my whit 's end with Suntrust Mortgage.
|
| 08/01/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I went to the bank on XX/XX/19 to deposit my IRS check because I knew I had an overdraft. When I went to the teller and handed her my check to deposit she takes it and them after depositing the check she informs me that my account was closed. Then the banks tells me I have to wait for a letter with instructions on how I could get the money deposit. I receive two letters with different information but none instructing me what I need to do to get the funds. I today I call stress my personal issue to them I felt like they didn't care and they are telling me that my account is in the process of getting closed but then again the teller on the XX/XX/XXXX said my account was closed. In top of all the misleading information I still have to wait the two processing days to be closed and an additional 7-10 days to get my funds. And still no one is helping but I am the one the affect person here counting on those funds to be able to resolve my personal issues. I don't understand why can you just charged the amount owned and give me the funds belonging to me.
|
| 11/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a first mortgage with SunTrust Bank. My homeowners insurance is due for renewal on XX/XX/XXXX. The renewal premium is {$2900.00}. I logged onto my account today and notiiced this amount was paid to the insurance company on XX/XX/XXXX. However, I scrolled to the previous payment dated XX/XX/XXXX and noticed a duplicate payment of {$2900.00} to the same insurance company.
My escrow balance is now {$2900.00} short to pay for my taxes which are due in XX/XX/XXXX!
I have called SunTrust Bank and all I was told is that, " our systems are down and we can't help you now. '' I explained the situation and was told that, " I have to wait until the insurance company returns the money to me, and then I have to re-deposit this refund in my escrow account. '' This is not an acceptable answer to me. What controls are in place within SunTrust to prevent two payments for same invoice being processed within a week? Additionally, a similar incident with SunTrust happened two years ago related to my property tax payment! This loan is only three years old.
|
| 12/18/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I have a judgement against me for XXXX I went to court and agreed to pay this amount because I was bullied by the roommate and feared retaliation if I did n't pay. I sent in the fact sheet to Judge XXXX XXXX in XXXX co in XXXX XXXX. On XX/XX/XXXX I checked my balance because I sent a rent check for XXXX. On XX/XX/XXXX I had XXXX. The next day I checked my account and I had a XXXX minus account in my account I had a direct deposit for my paycheck that went in on XX/XX/XXXX for XXXX. I also had 2 deductions from suntrust for administration fee for processing the garnishment. That is all the money I have, I need my medication I have the following diagnosis : XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX. I was going to have my medication filled on XX/XX/XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX. My rent bounced, I owe for electric, water and internet. I work at XXXX as my husband is in the XXXX XXXX XXXX XXXX in XXXX. Please help me, I have no money to live.
|
| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
On XX/XX/2018 we made a Principal Only payment to our mortgage with SunTrust Bank in the amount of {$1000.00}. At the time of deposit we were told by the our XXXX FL branch that the payment would be correctly applied using the coupon once that department received the coupon in 1 or 2 days. Upon checking our account 3 days later, we found that the principal only payment was misapplied to the regular mortgage payment and not principal only as requested. We have now contacted Suntrust Bank on three separate occasions to be told that it will not be corrected until XX/XX/XXXX.
This is the 3rd time we have made principal only payments on our mortgage only to have them misapplied as a regular payment, with only a portion going to principal only. Misapplying the payments benefits the bank as it doesn't reduce principal as it's intended. Taking at least two weeks to correct this time, last it took almost 6 weeks. Our principal isn't reduced and they are making money by misapplying funds. We believe this to be intentional on the part of Suntrust Bank.
|
| 03/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
After weeks of waiting I was told SunTrust bank would not refund me the XXXX in fees that occurred due to how they handle my overdraft. I set up a over draft protection as directed by bank employee at SunTrust in XXXX XXXX, MD branch. It says it has a {$5000.00} limit which at the time it kicked in when my account went below XXXX. stopped working after only XXXX items went thru ( they charged me $ XXXX/day for unlimited items, that was the agreement at the time I set it up ) Out of the {$1000.00} in bank fees I was charged only XXXX of those are what I agreed to pay {$38.00} /day unlimited items. I was returned only XXXX of these fees and was told it was not a bank error that it was linked to another card even though it has a different number and when I check online has a different available credit. So it stated I had over XXXX $ available but after XXXX $ they cut off the line and returned XXXX items and then charged me {$38.00} per item returned. I don't see how this is possibly legal? and if it is something should be done to make it not so!
|
| 12/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
In XX/XX/XXXX I contacted my mortgage company SunTrust to inquire about refinancing because I had moved into my rental townhouse which was now my primary residence. I received an estimate and was told I would have no closing costs and only would need to bring that month 's payment ( XX/XX/XXXX ) to closing. Later they came back saying I needed a {$500.00} appraisal which I paid for. Throughout the process they repeatedly asked for documents I had already given them and even up until last week, I was still being asked where I lived! After much delay and XXXX I finally was given a closing date of XX/XX/XXXX. Today, after I asked for the cost to close, I was sent a revised estimate of {$5000.00}! I was told they had originally done the estimate with my townhouse as a single family home. The appraisal clearly stated as did ALL other documentation that my residence is not a single family home. It is no longer worth doing the refinancing at all and all they can say after every mistake they have made is " sorry ''. I wasted {$600.00} in fees to date.
|
| 10/17/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
I opened a checking and savings account on-line with Sun Trust on XX/XX/2019 with account # s XXXX and XXXX. A bank to bank transfer was completed to fund the accounts.
On XXXX XXXX, 2019, the bank unilaterally closed both the accounts without telling me exact reason for closing these accounts. I attempted to have this information furnished to me by contacting the bank 's executives XXXX XXXX XXXX XXXX requesting that such adverse information be furnished to me under FCRA, Despite several attempts, the bank is turning a blind eye to my requests, and not furnishing the adverse information that caused them to close the accounts.
I request you intervention to resolve this issue with Sun Trust, and have the bank furnish the requested information.
So far all I have received are form letters from the bank telling me that the accounts were closed, but not disclosing the reason for such an action.
Please note that the bank returned my funds after holding them for a week without giving me any interest for use of my funds that they held for a week.
|
| 06/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I signed up with XXXX XXXX aka XXXX XXXX to bid on a XXXX XXXX XXXX, they charged me a deposit for bidding on the vehicle of {$900.00} enabling a maximum bid limit of {$9000.00}.
Enclosed are bidders IPs etc XXXX XXXX XXXX and XXXX repeated bid my bidder account past all other legitimate bids of {$7000.00} up to may max allowed limit of {$9000.00}, No other bidders than my bid via XXXX XXXX XXXX the Vehicle up It bid up my own bids fraudulently.
I tried to resolve this with XXXX and XXXX to reduce the price to the proper last legitimate bid of {$7000.00} but they refused.
I refused to honor the shill fraud bid with Fees from XXXX and XXXX added up to {$10000.00} they are theives XXXX XXXX then kept my deposit of {$900.00} for a relist Fee for Car I filed a dispute with my bank Suntrust and they declined the dispute This was fraud I should be protected from fraud via the terms of my Visa account I have fraud Fraud theft Complaints on XXXX and XXXX with various law enforcement agencies FTC, FBI, Stage AGs and Florida Auto Dealer License
|
| 09/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit bureaus.
Suntrust is being reported as 3 different names and 3 different payment addresses XXXX has XXXX/SUNTRUST XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX XXXX has SUNTRUST BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX has XXXX/SUNTRUST XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Account Type XXXX : Installment account XXXX : Education Loan XXXX : Installment XXXX : payment status is listed as 120 days past due XXXX : payment status is listed as at least 120 days or more than 4 payments are past due XXXX payment status Acct renewed or refinanced
|
| 09/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I started a refinance with Suntrust in XXXX of 2016. They were very unresponsive, Unprofessional, and down right rude while servicing my loan. So much so that it has taken over 3 months for them to process my refinance. I was told several weeks ago that the loan was done, they had everything they needed and that it was ready to close. Due to this information and differences with my employer I left my job 2 weeks ago thinking this would be closed the next day. Today XXXX/XXXX/16 I was told that my loan was denied due to unemployment. The entire process took too long and their communication during it was horrible. I have email strings where I ask for updates but i do not receive anything for a week. Life can change in 3 months and due to their incompetence it was not processed in a timely manner. When I asked to speak with a manager to resolve the issue/ try to find a work around i was transferd to a line and disconnected me. When i called back the line was busy and had to have a cs rep dial me in to speak with my loan officer who was rude.
|
| 08/31/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Earlier this month I refinanced a home mortgage. The servicing of that loan was immediately transferred. This evening I received a pre-recorded phone call on my home land line that purported to be from my new mortgage servicer. The message used my name and my spouse 's name. It asked that the recipient press a number if he was one of those people. I followed the prompt. I was then asked to key in my zip code. It struck me as suspicious that a message from a bank would ask for any personally identifying information, so I did not provide my zip code. I remained on the line to hear any additional information or find out if I could speak to a live representative. I was then given the option of " taking a message, '' which I selected. The message instructed me to call a toll-free number by XXXX XXXX and to give a " personal message code, '' but did not state why. I hung up and called my bank directly for more information. My bank 's fraud department did not recognize the number that called me or the phone number I was instructed to call.
|
| 01/30/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I refinanced my mortgage with Suntrust Mortgage a few years ago. During that refinance, we signed that we would be required to cover Private Mortgage Insurance until our loan reached XXXX % loan-to-value. We were also told an early termination of the PMI would be considered if we were in good standing with payments.
We are now at XXXX % loan-to-value after making more than the minimum payment every single month since the start of the loan. We sent a letter as instructed to request the PMI be removed. We received a letter back saying we would need a new appraisal to remove the insurance. When I called to question, not only was there no one in the PMI department to speak with me, but I was also told that when my loan-to-value reached the agreed XXXX %, I would need to send yet another letter requesting removal. If I do n't send the letter, it wo n't be removed until XXXX %. This is not what the contract agreed to. If they can carefully monitor every payment I make, they can monitor when I 'm at XXXX % LTV to remove the PMI. Crooked!
|
| 04/16/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
Suntrust Bank is refusing to resolve a claim.
1. Suntrust Bank accepted the dispute on XX/XX/XXXX. Document attached.
2. They asked for more information and documents on XX/XX/XXXX. Document attached.
3. I have submitted all the information and documents they have asked.
4. They closed the claim on XX/XX/XXXX. Document attached.
The reason Sunturst is giving while closing the case is very poor and irrelevant. They accepted the claim even after 60 days from the billing date and under review process instead of helping customer they are closing the case. It shows how poor is their customer service.
I even talk to their supervisor/manager regarding the claim. They too are not interested in resolving instead they said i can close the account when i mentioned how other banks are always ready to help the customer. They are not willing to make any exception. I have given thousands of dollars of business every month.
The dispute contains very high amount somebody like me. I would really appreciate if they can resolve this issue.
|
| 05/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.
|
| 12/24/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I submitted a appeal of a recent email of modification by Suntrust.
I was approved with the same data XX/XX/XXXX/XX/XX/XXXX and made 2 of 3 trail payments.
I diverted from making the 3rd and final payment due to using funds for a critically ill parent that just expired.
I informed Suntrust of the hardship and asked for an extension for that reason and business reasons in XXXX 2015.
Suntrust canceled my forbearance and modification.
Suntrust informed me to apply again. I did so with the same data that was used to approve me just 90 days earlier. Suntrust manipulated and falsified my data submitted and falsely used it to decline my request for a modification.
Suntrust asked me in the appeal letter to address information regarding a lien and I sent attorney information on that matter. Suntrust did not take the information I sent as trust and modify it with my request.
Overall, this has been a brutal experience where my data has been manipulated or falsified or discarded so as to allow Suntrust to deny my modification.
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I opened a Suntrust account online. 5 days later I funded the account with a wire transfer for {$48000.00} that cleared my new Suntrust account on XX/XX/2020.
I went to the bank, withdrew around {$8000.00} in cash and instructed a wire transfer for {$30000.00} be sent to my XXXX account which would have left around {$10000.00} in the Suntrust account.
The next morning I woke up and checked my XXXX account and saw the funds were not in the account. So I attempted to log into my Suntrust app to see why the funds werent sent. I couldnt log into the app and receive a notification that said Your Suntrust access has been restricted call XXXX.
I called the number and was informed by a representative Suntrust Bank does not want my business and I will receive a letter in the mail in 7-10 days with my check.
This is so illegal. If their system allowed me to deposit my funds, they can not hold my money. As a result I have lost business and my credit rating is in a negative dive as a result of late bill payments and bounced checks.
|
| 11/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XX/XX/2019, I received a reply from SunTrust Bank via postal mail stating their position that the inquiry is valid and factually sound. The documentation SunTrust also followed up with via file upload to the CFPB website answering my complaint was information about me requesting a loan or some sort of services from their institution.
After a full review of the documentation displayed by SunTrust Bank it is clear there is no application of consent indicated within this unknown paperwork.
There is no wet signature, nor a recorded phone call to indicate that I personally spoke with this company for any type of services.
There is no e-file signature, or electronic consent indicated in these documents to prove the statement provided by SunTrust is factually sound.
I request that SunTrust produce sufficient and clear evidence as stated in the Law according to the FCRA to prove I consented to a fraudulent inquiry with proper and required signatures or applications baring my name consenting to this illegal breach of privacy.
|
| 09/20/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
SunTrust bank refuses to reimburse me for fees they took from my Signature Advantage checking account which is supposed to be free. I have talked with XXXX branch managers, XXXX XXXX and XXXX XXXX several time during the past six months since I discovered in XX/XX/XXXX that SunTrust was mistakenly charging fees from my account. Both branch managers said that the fees were charged in error, that they would make sure that the erroneous fees would be refunded to my account, and that they would follow up with me ; neither of which has happened. XXXX, XXXX, the current branch manager at the XXXX XXXX XXXX XXXX Location ( XXXX ) told me that Suntrust frequently mistakenly takes fees from free checking accounts, and that she has known about the problem for years.
I 'm unable to determine the amount of money that Suntrust has erroneously taken from my checking account because their website only displays my account record since XX/XX/XXXX. As far as I can tell Suntrust has taken at least {$200.00} from my account, but it may be more.
|
| 07/17/2015 |
Yes |
- Debt collection
- Credit card
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have a dispute still under investigation with XXXX of the credit bureaus.
XXXX XXXX XXXX is the debt collecting company collecting on behalf of Suntrust Bank on my credit card debt. Even though I have been paying on time according to the negotiated terms and allowing the company to directly debit my bank account they are still reporting me monthly as paying late because they are using my total balance owed as past due instead of reporting the amount due as the payment amount that they agreed to accept as a monthly payment in XX/XX/XXXX. I am being intimidated and/or threatened by this tactic. When I spoke with a XXXX XXXX XXXX on XX/XX/XXXX to try and resolve this issue with them directly, he essentially told me that they would continue reporting me as late until the entire balance is paid off. I acknowledge that I owe the balance but if I could pay the whole balance off in XXXX lump sum I would not be in this situation. I am trying to do the right thing by paying as agreed according to the negotiated terms of repayment.
|
| 10/12/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I requested my checking account from SunTrust Bank to be closed back in XX/XX/XXXX and I has not been closed. I received a call from a collection agency on XX/XX/XXXXstating that there are calling on behalf of SunTrust to collect a debt to the amount of {$180.00}.
I went to SunTrust Bank to speak with the manager an have more details on the fees.
They explained to me that some overdraft fee accumulated to my account before their close. When I requested my account to be close there was a balance of {$4.00} that was paid via a transfer from my saving account making an account balance to {$0.00}.
The failure of the bank not closing my account when requested lead to some accumulated fees which I should not be responsible for.
Unfortunately, the manager said she ca n't do anything about it since the account is now closed.
I am requesting your help to help to resolve this issue. The current balance that I obtain from the bank is {$89.00}.
I will be happy to see this charge cleared from my account.
Thank you very much
|
| 02/22/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Recently I decided to attempt to change my mortgage company. One mortgage company asked for certain information from SunTrust Mortgage. SunTrust decided to charge me for the expense they deemed necessary for faxing the information to the mortgage company. They added a {$15.00} fax fee to my mortgage payment!! I shrugged this off, mistake on my part. SunTrust has decided to add {$45.00} to my mortgage payment for next month. I was advised that the addition in the mortgage payment was for three separate fees for faxing. It has been my understanding that a mortgage payment was the amount that was agreed upon and one that has been signed by the customer!! In effect, this would constitute a breach of contract? I am saddened by the under handed ways that business are operating by!! The housing market in 2008 was proof that because of people that are not above board, we can have another crash in our housing system!! I can fax pertinent papers to you so that you can make an informed response. I thank you for your time and effort.
|
| 02/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
In XX/XX/XXXX SunTrust Bank received a wire transfer payment of {$160000.00} to the attention of our company. SunTrust never forwarded the funds to us but credited the funds to another partys bank account. SunTrust never contacted us, the sending bank or the payer about possible inconsistent wiring instructions. After multiple outreach by us, the payer and the payer 's bank, SunTrust confirmed on XX/XX/XXXX with us and the payer that it had the funds and SunTrust requested the payer to complete one additional form to return funds to it, which the payer did. On XX/XX/XXXX, SunTrust informed us the funds were not forthcoming and payer needed to ask its bank to contact SunTrust 's Fraud Divisions for the two banks to resolve. Since SunTrust staff and executives ( we sent letters to senior executives by XXXX with receipt required when lower staff did not respond ) have been aware of this complaint for months, it is ridiculous that SunTrust is now requiring payer bank to contact yet another SunTrust unit to investigate claim.
|
| 12/28/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have made multiple attempts to resolve a fraudulent inquiry made by someone with SunTrust Bank, However, SunTrust Bank has stated they are holding their position that this information is accurate and factually sound.
Therefore, after receiving information from SunTrust Bank, they failed to provided me Definitive proof outside of the personal information they received from a unknown source which will verify they did not speak directly to me to obtain my private information.
To simply resolve this situation, it is well known that all calls are recorded for training and verification purposes with SunTrust Bank breaches. I am requesting at this time, date, minutes of call in progress, and Audio of this call to be uploaded to the CFPB platform to be proof and verification and factually sound as stated by SunTrust Bank.
Please provide this Audio immediately, if you are not able to display this level of proof, it is absolutely clear SunTrust Bank can not hold a position of this fraudulent inquiry being factually sound.
|
| 10/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received correspondence from SunTrust Bank on XXXX/XXXX/2016 about bank accounts for me. I never opened any accounts with them so I called them and they assured me that they had already closed the accounts and realized that they were fraudulent. They said that they had been opened on line but there were never any deposits made to them. I recently received additional correspondence dated XXXX/XXXX/2016 from SunTrust bank about the same accounts. My concern is that their practices are unethical. I have never attempted to open a bank account or credit card services with SunTrust Bank in person or on line. It really does n't make sense that someone would try to open an account in my name without making a deposit. I was not aware that it is possible to open a checking and savings account on line. I do n't believe them when they say that someone attempted to open these account in my name on line because the correspondence came to my home address. There are XXXX accounts but I only had room to submit XXXX for this complaint.
|
| 04/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
SunTrust Bank- They stated on XXXX-XXXX-2015 I attempted to make a transaction on a account in an unauthorized or prohibited manner. On my XXXX XXXX report they never mentioned what I exactly did wrong. They reported no loss of money. Technically I don't even know exactly what I'm being charged with. I never had a Suntrust account. My identity has been compromised before.I was taking advantage of by people I trusted, stole my identity and opened bank account and credit accounts in my name, some how i have to get those investigsted as well. Someone authorized accounts created without my consent. I don't comprehend good, I get a XXXX check for not being able to comprehend like a normal adult. My brain works on a XXXX year old level.Because of me being in the XXXX XXXX XXXX it is hard for me to get a bank account. I don't have anyone I trust to have my check deposited into their account.just need help with trying to get the bank to understand I was taking advantage of. I really need your help getting out of that system
|
| 11/10/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
my name is XXXX XXXX property address is XXXX XXXX XXXX XXXX XXXX NY XXXX. I took a conventional loan back in XX/XX/2008 from suntrust mortgage bank .My loan number is XXXX. I was having financial hardship I approached the bank they offered me a loan modification ( document attached ) I was making my monthly modification payment for over a year. The loan was sold to another bank, suntrust mortgage bank told me my modification was forwarded to the new bank, for over 7 years the servicing of my loan had pass through multiple servicing companies and investors all of them refusing to honor the loan modification that i was approved for, everybody seem to blame suntrust for incompetent .it has been a nightmare for me and my family spending all of our saving on legal bill trying to stop XXXX XXXX- current servicing bank from foreclosed on our property Also there was a period nobody was servicing our loan means nobody to talk to.
XXXX loan number XXXX attached my modification document plus some payment history please help us
|
| 10/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had went to Suntrust banking back in XX/XX/2018, I had issues with a merchant making unauthorize debit from my checking account. They changed my card. After receiving the new card, some how they was still able to continue debting my account. I went to speak with the manager about my account, and the decision was to suspend account temporarily and watch the accounts. I ask the manager what will be the best action to take and the decision was to suspend the card. while the was suspend the merchant would try to debit account four to five times daily. After two month the manager decisison was to unblock the card, and stated that the bank would put a security alerts on the account so the merchant could not debit card anymore. The card was unblock and the merchant took all my disability income. I filed several claim with Suntrust Bank, after long time waiting for respond the claim was denied because of inconsistencies. What ever that mean. The should have never unblocked the card, I should have been reissue a new card.
|
| 07/22/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have a primary residence loan with Suntrust Mortgage that originated in XXXX of 2015. In XXXX of 2015 I made an advance principal payment of {$70000.00}.
Suntrust never recalculated my monthly payment nor my maturity date.
Every time I call, the customer service representative acknowledges that there is a clear problem and transfers me to a supervisor.
The supervisor then refuses to change the maturity date or monthly payment. Only offers to supply me with the amortization schedule. The amortization schedule reflects no change in my maturity date or monthly payment.
In essence, Suntrust took {$70000.00} from me and refuses to make any changes to my account as a result.
They are clearly acting in bad faith : hanging up on me, refusing to provide direct answers to my questions and failed promises to provide me with requested paperwork.
Attached you can see my bank statement proving my {$70000.00} payment was received. Other statements attached show that my payments and amortization have not changed.
|
| 01/25/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I had started a loan modification process with Suntrust, they immediately started reporting damaging and wrongful information about my account while being under loan modification process, which by law they ca n't! XXXX Suntrust requires you to NOT pay your loan for the XXXX 6 months to qualify for loan modification, so that they can start loan modification process, meanwhile they were submitting to credit bureau that i was behind 160 days then XXXX again and on & on. I got fed up with their loan modification process, I ended up selling my home and " paid off '' Suntrust in full along with their hefty loan modification attorney fees and any other fees they conjured up to rack more money. I informed them numerous times to correct the wrongful damaging, negative & hard hits placed, they said they would, to date they never have! I have letter from them saying was an " error '' they need to correct this and fix my damaged report along with all hard hits & negative hits once and for all!! And I want more then an apology!
|
| 05/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
About a week ago I opened an account online with SunTrust. I was approved and given my checking account number and savings number and told to make a deposit. I made a deposit with the intention on paying some bills and the branch employee took my cash and there was no issue. Yesterday I go to withdraw {$50.00} and right in branch I was told my account was closed and they didn't have to give a reason. My auto pay was set up for that account and as a result I occured returned check fees because I was never told how or why they closed the account and if there was a problem why approve it in the first place. This account messed up my bills and caused me a lot of late fees and check return fee because it was closed without my knowledge. This account even appeared on my credit report as a NEW OPENED ACCOUNT. But SunTrust wasn't the company I was told about. They did not take care of me and I will be telling everyone on my blog and my website and everyone business owner in my XXXX XXXX XXXX not to bank with this company!
|
| 05/19/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?
|
| 12/27/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My existing mortgage servicing was transferred from XXXX XXXX to SunTrust Mortgage Inc . Shortly thereafter Sun Trust did an escrow analysis and refunded me {$2300.00}. On XXXX XXXX 2015, I received a letter from Sun Trust that in fact my escrow account was short {$4100.00} And either I paid the full amount or my mortgage would go from {$2500.00} to {$2900.00}. When I called for an explanation I was told that when the servicing was transferred, XXXX XXXX had not paid my local town taxes. I told them that they should go after XXXX since they were they ones holding my escrow and should have made all payments prior to the transfer. I returned the money they sent me in error but I will not paid anything more than what I was paying before the servicing was transferred. It is Sun Trust mistake and they not me should be responsible. I spoke to their Customer service Virginia, XXXX XXXX and XXXX XXXX who did the research and realized their mistake on XXXX/XXXX/15. See attached correspondence and tax statements from town.
|
| 08/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I was interested in obtaining a XXXX XXXX XXXX Debit Card offered by SunTrust bank. I read the information on their website here ( https : //www.suntrust.comXXXX ) and was willing to pay the {$75.00} annual fee as I thought it was a good deal especially since one earns " XXXX bonus miles after your first PIN Point of Sale or signature-based purchase. '' What is not apparent until much further down the page is that one must open a Signature Advantage Checking account to be issued the XXXX card. This checking account has a minimum balance requirement of {$25000.00} or a monthly fee of {$25.00}. I was not aware of this stipulation until after opening an Essential Checking ( basic ) account and was then advised I would need to upgrade the account to obtain the card I wanted. I believe this practice falls under unfair and deceptive. I am more than willing to pay the annual fee for the card but can not afford to deposit $ XXXX or pay $ XXXX monthly in addition to the {$75.00} annual card fee. This is excessive.
|
| 04/19/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem while selling or giving up the vehicle
|
|
Web |
|
|
I brought my last 2 cars from XXXX XXXX in XXXX N.J. I would iof continued buying cars from XXXX but I recently discovered they paid the payoff on my last trade so late it plummeted my credit score. I called and the staff assured me the payoff was sent. The finance people at XXXX lied and blamed it on the holidays and said they personally had sent it out. I traded my car XX/XX/XXXX. They made the payoff almost XX/XX/XXXX I started receiving calls at my job mid XX/XX/XXXX after returning from vacation that my payment was late for a car I didnt own I called them and was told the owner would clear it up with the bank which they never did. I never even got a call back from them I went from over a 800 credit score down to very low XXXX as a result I have worked so hard to preserve and maintain my credit all my adult life to have this happen This is impacting my purchasing power as I am on the market for a new home and a vehicle for my son I plan to file a complaint against them with the XXXX Bad business practices
|
| 04/09/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a Sun Trust bank account in 2011 while attending college at University XXXX XXXX Florida. They activated my student ID as my debit card when I opened the account. I got my school refund to the account, and had been using my student id card to access the account. The banker who opened my account put the wrong mailing address for the account, they mailed a debit card, and pin number to the incorrect address. A couple weeks after opening the account, the debit card they sent drained the account of all funds. I filed a police report when i found the account was empty. The police report was closed, without finding out who stole my money. Then SunTrust instead of refunding my money, closed my account, and told me I Must of committed the fraud on my own account. Not only did they imporperly close my account, they added me to a credit reporting company called XXXX, They have placed information on my XXXX file stating that I attempted to defraud the bank, which prevents me from opening a bank account anywhere.
|
| 02/05/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
Servicemember |
|
Last month Suntrust who is the Lender of my Vehicle wrongfully repossesed my Truck when the payment was not due. I had to call the Police thinking it was stolen and the XXXX XXXX XXXX. I lost two days of work and suffered serious mental stress because of this. I called the Towing Company who had taken the Vehicle and also Suntrust. I explained to Suntrust the payment was not due until the XXXX of the month with the grace period. Suntrust had to release the truck and the towing company had to return the Vehicle that night. I then had to contact the Police and XXXX and try to explain what had happened. I have asked Suntrust to send me the statements but for two years they refused and also to refinance it in my name alone. The major party of the loan is in bankruptcy but I am not and I have made the payments for 8 plus years but Suntrust refuses to do anything and I have filed two previous complaints, but this is the last draw when they steal the truck when the payment is not even due, only to have to return it.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I opened an auto loan on XX/XX/XXXXwith Suntrust bank for a XXXX XXXX XXXX XXXX The car was repossessed in early XXXX and I brought the loan up to date within a week. I finished paying the balance on my {$23000.00} loan in XX/XX/XXXX. I have disputed having the status as reinstated repossession numerous times with Suntrust, XXXX, and XXXX. My last negative account activity was beyond 7 years ago, but they will not remove the status. This is causing my XXXX and XXXX FICO scores to be over 80 points lower than my XXXX. I am a member of XXXX and have found that this status is what is causing the lower score because the negative information is listed with an unknown date. After speaking with supervisors at both credit agencies and Suntrust, I 've been told that this negative information will show untilXX/XX/XXXX. They say the account is positive because it shows paid in full and closed. They will not remove the status because they said it reports accurately even though the negative activity was over 8 years ago.
|
| 12/15/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Defendant : Sun Trust Bank - XXXX XXXX Branch XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX - Branch Manager and Assistant Vice President Phone : XXXX Fax : XXXX Email : XXXXXXXXXXXX Plaintiff : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX Email : XXXXXXXXXXXX On Friday, XXXX XXXX, XXXX, arrived at the branch bank with my safety deposit box key to retrieve documents and gold jewelry. I was denied access to the box. The branch manager explained that the box had been assigned to someone else. The box was rented jointly with XXXX XXXX XXXX, my significant other. I hold both checking and savings accounts at that bank and have been using Sun Trust since XXXX XXXX. Any box rental fees should have been automatically deducted from the checking account. Except for the initial rental fee, I have never bothered to consider the rental fees. I was under the impression that the bank was doing its job. I have never received a bill for box rental fees. Rental fees were not discussed at the XXXX XXXX meeting.
|
| 07/13/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I applied for a home loan with suntrust mortgage, Sun trust pre approved me for the home loan and conditionally approved me for the home loan and now claim the applications incomplete. Sun trust delayed the closing of the home for over three weeks and all conditions where met and witnessed delivered. Sun trust keep adding condition to the conditions purposely delaying my home closing. further more they made me pay for an appraisal of XXXX that is worthless without financing. Sun trust also tried to make me pay for a survey of XXXX and I said I would n ot pay that there is a survey registered with the town. Suntrust sent me the application stating only 1 months income and 2 months bank statements they have demanded 2 month income I provided and 4 1/2 months bank statements that violate there own policy. Also I have an email clearly states I am paid XXXX this is a lie and wrong. I have been unfairly treated and denied a home loan that I clearly am overqualified for a simple approval, this is discrimination.
|
| 11/30/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
My name is XXXX XXXX and I can be reached at XXXX. My email address is XXXX. I am doing business with a real estate broker named XXXX XXXX of XXXX XXXX XXXX. XXXX is representing SunTrust, a bank selling foreclosed properties. The subject property is XXXX XXXX XXXX, XXXX, ME. Two months ago I signed a contract to purchase the property for {$72000.00} which is approximately {$30000.00} over the asking price. To date we have not received a signed contract, and on XX/XX/2018 we signed a second contract at The request off SunTrust. XXXX XXXX is very cooperative and she is available at XXXX, or by email XXXX.
Note : My title company a.k.a. XXXX XXXX in XXXX, ME, and my funding source, a self-directed IRA managed by XXXX XXXX XXXX are both prepared to fund and close the transaction. They are also very frustrated with the seller.
SunTrust mortgage, XXXX XXXX XXXX, XXXX, VA XXXX On the contract they reference a loan number XXXX.
XXXX XXXX believes they are servicing this matter from an office in Colorado.
|
| 01/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
On XXXX XXXX my Social Security check 0f {$1000.00} was fraudulently transferred from my bank, SUnTrust Bank, XXXX, Florida to a bank they said was " XXXX XXXX XXXX. '' I never gave any permission for this transfer and the bank has not been of any help, in fact the person I talked with on the phone was unresponsive to my need. I am an XXXX and in a XXXX. It is very difficult for me to get rides and leave my home. I had a - {$140.00} in my account due to an automatic bill payment and a fee of {$37.00} for a bounced check. A family member sent me a loan to prevent further charges. I have to pay back this money. I had no idea of what to do. I started on XXXX XXXX XXXX XXXX shortly after. My Social Worker came on XXXX and did the assessment of my condition and needs. She returned on XXXX/XXXX/XXXX and together we made many phone calls. We talked with a XXXX at F.D.I.C. Consumer Complaints who instructed me to complete this online complaint. Due to not having a computer, my Social Worker is helping me today.
|
| 11/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Suntrust Bank did not notify me when a garnishment was placed onto my account by XXXX. I posted a deposit that was exempt from collections and they end up charging me a fee because of their failure to promptly notify me when the garnishment took place. I went to court and proved to the garnishment judge ( paperwork in all ) what had happen. Suntrust bank know that the garnishment will be removed off XX/XX/2015 according to the courts and they closed the account ending in XXXX before the XX/XX/2015 date. I just received a letter in the mail from Suntrust Bank ( which they have the wrong address on my letter ( I never lived at XXXX XXXX XXXX ) ). They have sent this wrongful debt fee to collection and damaged my credit score. My account with Suntrust was in good standing and it 's Suntrust fault they have not sent a notification when the garnishment was applied by the courts from XXXX. I do n't have a printer at the moment, but when I get one I will scan all my documents to prove Suntrust is in the wrong.
|
| 07/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
My identity was stolen and several accounts were opened fraudulently under my name. My checking account was compromised and money was taken. Ive had to close and open new bank accounts. Ive requested that these accounts be removed from my credit report and I have been unable to have this request fulfilled.
For example XXXX XXXX XXXX is reporting a account that is not mine on all 3 of my credit reports.
For example I have disputed this with the credit reporting agencies and they advise that the creditor states the information is verified but neither the credit reporting agency or the creditor will provide any information other than saying they have verified the account.
I have disputed this several times with the credit reporting agencies and have received no actual data to verify this or other accounts that were opened without my knowledge. Every dispute is closed stating the creditor verified the information but I receive absolutely no documents to prove this is my account. I will be suing soon.
|
| 02/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust Mortgage who is servicing my loan ( # XXXX ) is profiting by utilizing higher than needed escrow amounts on which they do not pay me any interest. In essence, they are getting a loan from me for FREE. I disputed the calculation for escrow but even after speaking with representative and the supervisor they both indicated that overage on my escrow was needed and that they were entitled to it. When I challenged their escrow practices and wanted to assume paying for taxes and insurance directly myself they said that loan to value ratio was at 84 % and needed to be below 80 %. I challenged their valuation of my home which they had at $ XXXX, far lower than the current market value that according to XXXX is at $ XXXX.
I can only imagine that this is a widespread industry practice not isolated to Suntrust Mortgage Services. With millions of hard-working Americans being taking advantage of in this unscrupulous manner I would like to request your assistance with this matter.
Sincerely, XXXX XXXX
|
| 10/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
Since early XXXX, my wife and I tried numerously times to use our jointly owned checking account debit cards to make about {$4000.00} purchase at XXXX. When it was first declined due to a block, I called and was told, after verification, the block has been removed. So I went back to use the card and was surprised it was blocked again. Next time, I called ahead of time before heading to XXXX and I was told the purchase has been noted and it will go through. It was declined again. So I have to call and get it unblocked. This cycle went on for many many times and so far, I still can not use the card. Each and everytime I try to use it at XXXX or XXXX, I got declined due to temp block. I communicated numerously times with customer service. Each call take about 15 minutes. Was assured it would work but only to find out it is declined again when I try to use it. I think the bank is purposely holding my money without letting me have access to my money and that doesn't sound right. I demand an investigation.
|
| 07/10/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Counterfeit checks were passed through our SunTrust account XXXX XXXX XXXX. On XXXX/XXXX/2017, ck # XXXX was cashed for {$230.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$330.00}, onXX/XX/XXXXck # XXXX was cashed for {$390.00}, on XXXX/XXXX/2017 ck # XXXX was cashed for {$360.00}. These checks were obviously counterfeit with no signatures. I first sat with a bank officer on XXXX/XXXX/2017 questioning why the account balance was so low. I told her I had not received previous month 's statement through the mail. She reset the account so that statements would be received in the future. On XXXX/XXXX/2017, I received a statement which was dated XXXX/XXXX/2017, and I immediately went to the bank reporting this fraud. On XXXX/XXXX/2017 I received a letter from a Sun Trust Fraud Investigator stating, " we regret that we are unable to honor your claim ''. I can furnish copies of checks and copies of my letter of appeal faxed to Sun Trust, XXXX, this morning. I have filed a report with the XXXX police.
|
| 10/31/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
To : XXXXXXXXXXXX ; I called in to put a STOP Payment on an ACH authorized payment and told the XXXX Customer Service representative exactly why. He replied the fee would be XXXX XXXX for the bank to STOP and reverse payment. I told him since I am calling in advance to STOP it ahead of time so that it would not have to be reversed. He then agreed to waive the XXXX and STOP the ACH from taking from my checking account. Then today XXXX/XXXX/XXXX I called to check my balance and it said XXXX. I called in at XXXX a.m. Another Spanish customer Service representative told me my account would be credited the fees from the overdraft and XXXX and quickly transferred me to the claims department to cover up their mistake. They made me submit a claim after they never reversed it and charged extra fees. The claim number they gave me was # XXXX.
They were supposed to STOP payment ahead of time.. Days ahead of time. Why they are making me submit a claim for their mistake does not seem like proper bank protocol.
|
| 02/23/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
While paying bills through Suntrust Bill Pay my XXXX bill was entered as a rush payment for an additional cost of {$9.00}. This was not what I wanted, needed or asked for. There had been a red message prior, I did not know what it was, I re-entered the bill and the date was in green, so I assumed it was fixed. After I submitted the bills for payment I saw that I was being charged for a " rush payment. '' I immediately returned to the screen to cancel the payment but there was no option on that bill. It was locked into processing. I then called the Suntrust customer support and was told it is operated by a third party, and they can not get to a screen to cancel either. I had the Suntrust Representative call the third party ( XXXX ) to explain the problem and ask for their help. They refused to help or waive the charge. I told Suntrust I was filing a complaint with Consumer Financial Protection, and she said she would file a complaint with the Bank on my behalf. Suntrust complaint # XX/XX/2017-XXXX.
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| 05/16/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Funds not received from closed account
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Web |
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On XX/XX/2019 I made a {$400.00} cash deposit into my Suntrust checking account on XX/XX/2019 my account was frozen and scheduled to be closed. The last transaction on the account was a withdrawal of {$140.00} at the branch on XX/XX/2019. I contacted Suntrust I was advised that my account would be closed 5 business days after the last transaction posted on the account. The withdrawal posted on XX/XX/2019 the account should have been closed on XX/XX/2019. My account has yet to be closed and Suntrust has yet to send my funds to me. They are keeping my funds when the account should have already been closed. Every time I speak with the internal department I am receiving conflicting information. They are robbing me of funds that are due to me and If I do not get the funds I will be seeking legal counsel it has been over 14 business days and I have yet to receive my funds from my account. This is highway robbery and ridiculous that it takes this long for my cash funds that I deposited to be sent to me.
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| 12/31/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Struggling to pay mortgage
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Web |
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XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX XXXX XXXX at SunTrust told us that any documentation that comes to them without loan numbers on every single page gets shredded or deleted from the file.
Firstly, this is illegal, as it is a violation of the Homeowners Bill of Rights.
Secondly, in our experience with SunTrust, closing almost 3000 short sales in the last 13 years, we know this is not true.
Thirdly, on their own documentation they don't even ask for the loan number - see Affidavits attached.
Apparently SunTrust is directing their employees to delete documents in order to push properties into foreclosure.
I am attaching the requested documents to this CFPB Complaint. I expect these to be attached to the account and the short sale moved forward without further delay.
For ease, we are cross filing this complaint with the following organizations : 1 ) State of California Attorney Generals office 2 ) Congresswoman XXXX XXXX, House Financial Services Committee Chair
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| 05/02/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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checking account name XXXX checking number XXXX was opened on XX/XX/XXXX my employer XXXX XXXX company send me a check funding for equipment purchase for {$4900.00} deposited on XX/XX/XXXX at Suntrust Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX on XX/XX/XXXX item was returned and overdraft fees applied {$36.00}, I had a balance inquiry fee of {$3.00} added to {$36.00} give me an overdraft total of {$39.00} made of fees only!!! since I received informations from Suntrust bank saying that this account is closed. I protest and strongly disagree as a delay as far 90 days is applied for overdraft payment to any checking account when the customer is in hardship wrongful employers. My name is XXXX XXXX, I went to the branch with all documentation and faced XXXX XXXX XXXX, telling that the account is active with a overdraft fees to cover as soon as possible, but over the phone the customer service employee keep telling me that the account is closed like she has something personal to deal with!
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| 11/17/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
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Web |
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It started by them tell me I did not have to make a payment until after I graduated, which was a lie I had to start making payments before I graduated college, not able to meet the required payments I got small jobs that I could work around my classes just so I could make a payment, While I made these small payments. I received harassing phone calls from them telling me I needed to make a payment. My loans are not put together for one lump sum payment, so I have to make multiple payments each month to different loans. They were all through XXXX XXXX XXXX I have been sold out to different loan companies while I was making payments and no one will send me proof of my original title. They have also sent me to court while I was making payment to them. Since I did n't know my payments were n't be shared I am now paying through collection agents and to a lawyer on two of the four loans. They keep going up on the amounts owed each month, so it is continuing getting harder to meet the required payments.
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| 06/19/2015 |
Yes |
- Student loan
- Non-federal student loan
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- Dealing with my lender or servicer
- Having problems with customer service
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Web |
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SunTrust Custom Choice advertises a graduation reward in the form of a 1 % reduction in principal. In their own legal disclaimer, the terms I expect SunTrust to adhere to are a : " 1 % principal reduction based on the net disbursed loan amount. " A net disbursement total of {$46000.00} was provided for this degree, so under their own disclaimer they are required to credit {$460.00} toward my remaining loans as I have satisfied all obligations to be eligible for this reward.
Their loan servicer, XXXX, is claiming that because I paid XXXX of the XXXX individual loans off already, that I am only eligible for a principal reduction on the XXXX loans that still have balances on them. Nowhere is this stipulation in any contracts or disclaimers I signed. The amount they are trying to short me totals {$280.00}. They are essentially punishing me for being a responsible borrower. I would like CFPB to enforce SunTrust 's contractual obligation and ensure that I receive 100 % of what I am owed - {$460.00}.
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| 06/21/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
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- Unauthorized transactions or other transaction problem
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Web |
Older American, Servicemember |
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Attempted to transfer funds, using XXXX, from a Sun Trust account to a XXXX XXXX account.
The recipient is affiliated with two accounts. " A '' a joint account and " B '' a personal account. The transfer was completed but did NOT go to the account I stipulated, account " B ''.
On XX/XX/XXXX {$300.00}, on the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00}, the XX/XX/XXXX {$1000.00} and the XX/XX/XXXX {$500.00} was transferred.
I went to my local branch and spoke with XXXX, I was told that I must have input the wrong account number. That process was checked and rechecked and NOT correct. I was told that Sun Trust was unable to tell where the funds went. She then called Sun Trust, somewhere, and spoke with XXXX. she said that account " A '' must be my son 's primary account and that is why the funds went to it and not to account " B ''. I asked, " Of the two accounts I have with Sun Trust which is my primary '' she had no answer.
I can find no credence or validity to XXXX 's explanation.
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| 02/07/2018 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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With my the bank SunTrust I have a commercial loan that I called to try to set a bi weekly payment instead of monthly They sent me to five different departments through the phone Final I was sent to a woman named XXXX from Suntrust CDA Recovery number XXXX And she pretty much started asking me questions after questions would keep me on hold on amd off for twenty minutes By the end she didnt find my information Short of the story I asked for a supervisor Kept me holding for several minutes again Nothing was accomplished I be paid my loans in time All I wanted to do was to set up a bi weekly payment and they put me on a hamster wheel In all truth it was a disaster I am filing a complaint with her ( she didnt gage me her last name ) And filing a complaint with Sunteust that hire incompetent people to help their costumers Short of the story I havent been able to change anything or even having someone explain to me the terms of my commercial loans This cant happen was a disaster Thank you XXXX XXXX
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| 03/01/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Servicemember |
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on XX/XX/2018, my account was compromised by a hacker from Brazil. He presented charges to Suntrust against my checking account for {$100.00}, which was denied. The hacker then presented for charges to Suntrust for {$200.00} and this was also denied. The hacker tried again and presented for charges to Suntrust for {$400.00} and {$2.00} and Suntrust paid the hacker these XXXX charges. I suspect that Suntrust paid the last XXXX charges totaling {$400.00} to overdraft my account so that Suntrust could profit from the overdraft fees. I must mention that all of the charges were done in succession ; XXXX after another. Now my checking account is in the negative and charges for bills that normally come from that account are creating additional overdraft fees, charges, and withdrawals from my savings account. This is the second time that Suntrust has been negligent with my funds and information. I did receive a telephone call from the Suntrust Fraud Division AFTER it paid the XXXX fraudulent charges.
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| 11/04/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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i opened a joint account for my daughter. after letting suntrust close the account they linked her debit card from her closed account with authorization or notification to my account that i did not know she was an authorized user on. i was mislead my the customer service rep when we open the account because i was never informed i was signing a signature card for my daughter to be added to my account. i have had my account over 9 years and no one has ever been on my account. after my daughter phone was stolen someone used her XXXX XXXX which was connected to the closed account debit card which she did not know where the card was because we thought the account was closed one day they fraudulently took {$1.00} out of my account one day {$2.00} another day {$3.00} another day then {$500.00} the same day. as soon as i saw the charge i immediately went to the bank where they removed her from my account but can not explain who gave permission to link the card from the closed account to my account.
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| 05/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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I checked my account mobile app SunTrust and noticed a check in the amount of {$30.00}. This check was a digital check from a company that fraudulently accessed my account. I called the number on the check XXXX the representative said this was XXXX and XXXX busy signal. The check with my named misspelled was not signed or authorized by me was cleared XXXX XXXX. I have no idea who or what XXXX XXXX is or how they obtained my information.It is a mystery what XXXX XXXX actually as a web search produces sketchy results. The company appears to offer mediation for business and customers for a fee. It appearing that SunTrust may be motivated to may have consulted with tis company and the company charged my account by mistake. In the past SunTrust has denied claims in the past with XXXX unrealistic excuses and perhaps this is retaliation for filing a complaint. SunTrust denied a claim for {$27.00} that is completely its fault and another fraud claim back in XXXX for XXXX XXXX who took {$130.00}.
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| 12/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Our mortgage with Suntrust included terms for automatic termination of our pmi once our original loan met 78 % LTV. I verified with Suntrust, via several phone calls that that date was XX/XX/2019 and that our account should reflect this termination of pmi on XX/XX/2019. This date came and went and I once again called to ask why it was not removed from our loan account. I have requested to receive, in writing, from Suntrust the date our loan is due to have automatic pmi termination but have not received this. When I call the representatives I speak with, including supervisors, either tell me that it should be removed or that they are not certain why it hasn't been and I should write a letter and send it to the pmi department, even though this should be automatically processed as per our loan terms! To make matters worse, Suntrust has merged with XXXX XXXX XXXX XXXX XXXX to form XXXX XXXX as of XX/XX/2019. So I fear we will be lost in the transition and will still not have this resolved.
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| 08/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I received a letter in the mail that Suntrust was going to close my account because I had to sign a form. I received the letter on XX/XX/XXXX. They said they were going to close the account on XX/XX/XXXX if I did not sign the form.
I called the number on the letter and they said I had to go to the branch to sign the form I wen to the brach on XX/XX/XXXX and they ( XXXX XXXX XXXX XXXX XXXX ) told me that I had already signed the form.
She said to call the branches business banker - I did and he never returned the call.
A few days later XXXX said I needed then come back and sign the form so I did.
A few days after that she called and said they were closing my account.
She said that she had sent in the form I signed but my account was still going to be closed because the other dept ( Consumer OPS Risk Admin ) says I didn't sign the form.
She says she knows I signed the form and that she sent in the form and that she doesn't know what else to do.
. None of this makes any sense.
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| 03/29/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX Student Loan Servicing with SunTrust Bank was paid in full nine months ago when XXXX XXXX XXXX XXXX consolidated my loans. XXXX XXXX is reporting that it is paid in full. But XXXX XXXX is double reporting- again under XXXX XXXX Suntrust. This the same Parent Plus Loan. XXXX XXXX is only reporting the {$16000.00} paid in full. They don't mention the additional {$4600.00} in student loan interest they collected. I I do not own SunTrust but since XXXX XXXX got paid, SunTrust has begun reporting the account as Open and Delinquent.
I called XXXX XXXX/ SunTrust , Recovery Default XXXX and XXXX XXXX XXXX XXXX . Until they ran of resource to send pass me off to. All contracts state that there is no evidence of an account with them. Because I don't have one. But no one knew who is responsible to correct my credit report.
However, I am getting turned down for credit. My bank states that I would have excellent credit if SunTrust would take the Delinquent Status off my credit report.
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| 04/26/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
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Web |
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I canceled my debit card with Suntrust because the card was lost or stolen. I was issued a new debit card with a new card number. I did not give out my new card number to XXXX. I decided that I no longer wanted to do business with XXXX. XXXX kept trying to charge without my consent but I ignored it because I had a new card number. To my dismay XXXX charged my new debit card. I did not give out the new card number. I called Suntrust and they said that Mastercard gives the merchants your new account numbers if the merchants are part of a program. I could not believe what I was hearing. I talked to a supervisor and they said they same thing. So my problem is Mastercard should not have to the right to hand out my debit card number to people without my consent or knowledge. That makes me feel that my money is not safe at all. Anyone can have access to your old card number and try to purchase something. Mastercard will allow Suntrust to let those charges go through that is what I was told.
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| 04/03/2017 |
Yes |
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Web |
Servicemember |
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I am filling a a series complaint against the XXXX credit agency 's.
I have been working on this for over a year. It effected my health. Ability to obtain credit, the Ability to be hired for 2 jobs.
I have disputed several issues on credit report to all agencies. According to the Fair Credit Act the dispute that is in question must be removed unless they provided documentation to the credit agency 's as well as notifying the consumer within 30 days. I have not been notified on any issues that I have disputed to the credit agency 's by the agency 's that I am disputing. There is no group or forum for me to speak to congress about this. I do n't understand why a cusumer as I must do all the work and follow the rules but yet no one wants answers to there mistakes. I have called 20 times or more on each on issue to the agency who has reported something bad on me, and written several letters ; which I have proof of all. Of course No response from any. What is my next course of action??
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| 04/30/2015 |
Yes |
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Web |
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Several weeks ago I received confirmation that a dispute that I had with SunTrust Bank had been resolved in my favor and a credit would be issued to me at my SunTrust Bank Account. Today I opened up a piece of mail from SunTrust Fraud Managment Services suggesting that the dispute has not yet been resolved in my favor and requesting that I fill out a form pursuant to this earlier dispute which I was told had been resolved in my favor. Now I need clarification : " Has the dispute already been resolved in my favor and is this form merely the result of one part of the bank not knowing what the other part is doing? '' OR " Is the bank rescinding it 's resolution of the dispute in my favor or making it contingent upon the completion of additional forms? '' Can I ignore these new forms? Or must I continue to dispute the charges? The forms are confusing in that they list a credit and charge for equal amounts relating to XXXX of the XXXX charges I disputed earlier before clsoing my account.
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| 12/05/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I have a mortgage with Suntrust. On XXXX XXXX, 2017, Hurricane Irma destroyed part of my property. The insurance company sent out an adjuster who gave me a check to get it repaired. Because I have a mortgage with Suntrust, I had to send the check to Suntrust Loss Draft Dept. Suntrust Loss Draft Dept also required I send copies of 1. the insurance adjustor 's estimate of damage 2. the contract I have with my builder who will be repairing the damage 3. the builder 's license 4. a waiver of lien from the builder 5. the builder 's XXXX form.
All these forms were sent to Suntrust Loss Draft Dept, some of them multiple times at Suntrust 's request.
I am tired of waiting for Suntrust Loss Draft Dept to release my money to fix the damage. It 's been over four weeks now since I first submitted the forms to Suntrust.
In my opinion, Suntrust is doing everything it can to hold onto my money. I have talked to the Loss Draft Dept on the phone numerous times already. What more can I do?
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| 04/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I sold my home and with the sale of my home paid off my XXXX and XXXX mortgage with SunTrust Mortgage. The closing date of the sale was XXXX/XXXX/15 and the payment in full for both mortgages was received on XXXX/XXXX/15 ( confirmed by SunTrust Mortgage ). I am owed a refund of my escrow account by SunTrust Mortgage and XXXX refund checks were issued on XXXX XXXX, 2015 : the XXXX from my XXXX mortgage ( {$360.00} ) and the XXXX from my XXXX mortgage ( {$13.00} ). I received the {$13.00} check on Monday, XXXX XXXX. I have yet to receive the second check for {$360.00}. I have called SunTrust Mortgage numerous times and every time I get different information. the latest of which is that i must wait until 30 days from the date the check was issued to even request that an investigation be opened. I am EXTREMELY frustrated as for 10 years I never made a single late payment. I feel as though I am getting the run around and they are refusing to pay me the money that I am legally owed.
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| 02/03/2020 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On approximately XX/XX/2019, i used my suntrust account to make a purchase on ebay for the amount of {$140.00} to a seller to have my ignition switch repaired, that seller never repaired my ignition switch and stop responding to emails. so i contacted XXXX with no help.
So i contacted suntrust several times on different occasions and spoke with 4 different people with no help, the employees of suntrust claimed to have sent me an affidavit but i received nothing, today i spoke with someone named XXXX at approximately XXXX and was told they cant issue you a refund even though i didn't receive what i paid for, so i asked to speak to a supervisor, her name is XXXX and she told me we cant issue you a refund unless you respond back to an affidavit, i told her i never received one and each time suntrust claim they sent it to me by email i didn't receive anything, which i believe is intentional so that i cant dispute the transaction and delay the time so that transaction can expire.
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| 06/04/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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Claim XXXX was opened on XXXX , XXXX XXXX XXXX XXXX . This transaction was paid through XXXX , the package arrived with item missing from it. The merchant did not include the item prior to shipping, a mens wallet. XXXX will not refund, they will only reship the item which is no longer wanted.They advised me to dispute charge. I attempted to dispute charge through XXXX . however, claim was closed by mistake and refuse to re-open it or do anything further, I was advised to dispute charge with my bank which is Suntrust. A claim was made on XXXX , however, nothing has been done. Suntrust reps, which are outsourced to foreign countries like XXXX , are of no help and only state the claim is in progress. They verified affidavit was received, still nothing done as of today, XXXX . The transaction has overdrawn the account and received XXXX insufficient funds fees on XXXX and XXXX because of it. I need credit for transaction as well as overdraft fees mentioned
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| 12/17/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On XXXX XXXX, 2015 I XXXX XXXX XXXX opened up a CHECKING and SAVINGS ACNT AT SUN TRUST BANK BRANCH XXXX nc XXXX, CSR XXXX XXXX XXXX XXXX. She did not give me all my bank opening ACNT PAPERS nor MY beneficiary page in WHICH SHE DEMANDED MY CHILDRENS SS #, DOB AND NCDL #, JUST FOR THEM BEING THE BENEFICIARIES ON MY ACNTS, SO I WENT BACK THE XXXX, withdrew {$350.00} from each ACNT CHECKING and SAVINGS WITH NO PROBLEMS THEN ON XXXX XXXX, 2015 SUNTRUST BLOCKED ME OUT OF MY ACNTS AND PLACED " A NO DEBIT STATUS '' ON MY ACNTS AND TOLD ME THEY WERE CLOSING MY ACNTS BUT I HAVE {$50.00} in each ACNT AND WAS TOLD THEY CANT GIVE ME A TIME FRAME ON HOW LONG IT WILL TAKE FORM THWM TO MAIL ME CHECKS FOR MY TOTAL OF {$100.00} combined money in my aunts that was CASH DEPOSITED IN THE FIRST PLACE ON XXXX XXXX, 2015. HOW IS THAT NOT STEALING, BANK MONEY LAUNDERING, FRAUD ON THE BANKS PART BY XXXX XXXX XXXX CSR XXXX BRANCH!!!
Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX
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| 05/21/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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Web |
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Hello, I opened my account with Suntrust Bank in XXXX of XXXX. There seemed to ne an issue immediately when a routing number and last 4 digits of an account number showed up. When XXXX it came it wex bank, i called wex and repoorted that i have never had an account with them which they verified. I then filled a report with your agengcy. The report was closed upon Suntrust response that it was from a prior account. That cannnot be so beacuse the acct i had with them in XXXX was only a CD not able to make external transfers. Now the issue is that ( A merchant on behalf of XXXX has taken money from my account. XXXX has confimed they no longer have my auto bill info. I do belive that it is a merchant acting on behalf of XXXX and Suntrust allowd the transaction simply based on past purchases from a simularly named merchant. I would like to request an immedite investigation as i belive my account has been compromised from day 1. I will also file a report with the FBI.
Thank you
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| 04/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Credit decision / Underwriting
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|
Web |
Servicemember |
|
sun trust is violating the frank dodd act and have threatened us with prosecution. We had property listed for sale and specified that the appraiser must meet state credentialing guidelines to stop these false appraisals where they violate the law by using non arms length sales for appraisal comps and by using foreclosures as comps. THis is a specific violation of the law. Our real estate agent objected to a non credentialed appraisal agent per our contract ( we did not name a specific appraiser to be chosen ) and Sun Trust turned around a named a specific appraiser ( violaion of Frank Dodd ) that did not meet contract stipulation of credentials and upon complaint they provided in writing a threat of moving to file a complaint for Our violating Frank Dodd and that we could face prison and fines. What the XXXX is going on here. The banks are manipulating and violating appraisal and Frank Dodd act and when objected to, they threaten the consumer. I want immediate action taken.
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| 10/18/2016 |
Yes |
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- Identity theft / Fraud / Embezzlement
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Web |
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Approximately 30 days ago i received a mailed postcard from Suntrust Bank stating my address had been changed to a " new address ''. This " new '' address was my residence approximately one year ago. I called Suntrust and spoke to their Manager XXXX who denied there was a change of address. I asked it be corrected and this was done with a new post card about a week ago. I was chagrined to receive yet another post card notifying me that my address has once again been changed back to the prior residence today. Again spoke to Customer Service and they are investigating, saying it has to do with a US Postal feed they get. However, I am very concerned either : something in my account has been compromised or there is a systemic issue at Suntrust with this issue. Either way, I have not submitted a change of address in any manner or form to them and yet they keep changing this information on their system. Am I compromised? Is there a bigger issue here. As a consumer I am concerned.
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| 07/11/2018 |
Yes |
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Web |
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We are selling a property and have been under contract for over two months with buyers who were using XXXX XXXX at SunTrust Mortgage in XXXX, NC. The buyer has been in jeopardy of breaching the contract twice, due to the total incompetence on the part of this loan officer and the processing department at this bank. The buyer is now homeless and we are broke because we were told weeks ago that we would be closing and we haven't. We have had to make mortgage payments in addition to hotel costs and storage fees because we were falsely informed that we could close. We were given the clear to close yesterday and told we would be closing this morning and now the loan officer and all parties involved in the transaction have stopped responding to the buyers agent and we have had to rush to contact a different lender. This loan officer, as well as everyone else in the mortgage department, needs to be held accountable and both sides feel as though we have no recourse in this matter.
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| 01/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
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Web |
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My checking accounts at Suntrust Bank here in XXXX, VA were recently subject to bank fraud. On XX/XX/XXXX I received an email there was fraudulent activity on checking account. The attacker used a fake XXXX account to withdraw small amounts less than {$1.00}. I went into a bank branch and confirmed the activity. They immediately advised me to create a new checking account and move my monies from the old account to a new account.
I was recently subject to the same type of fraud attack on XX/XX/XXXX of my new checking ( XXXX ) that is a month old. A larger amount of {$1500.00} was taken out of my new account. I filed a second claim ( XXXX ) with Suntrust today along with filing a police report ( XXXX ) with the XXXX XXXX, VA Police Department. I would like to have an external resource to investigate this matter to determine if this issue is being caused by an employee of Suntrust. Please feel free to contact me if you have any questions or need ay additional information.
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| 07/03/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
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Web |
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On XXXX/XXXX/2017 I initiated an international wire transfer from SunTrust Bank with all of the correct information needed. By XXXX/XXXX/2017 the funds had not arrived at the beneficiary bank. On XXXX/XXXX/2017 I requested that the bank trace the funds. On XXXX/XXXX/2017 I called the bank to obtain information on the wire transfer trace and the bank had little information to confirm the transaction and could not confirm that the funds were received.I asked numerous times to speak to a supervisor and the bank refused my requested. I asked that the issue be raised to a higher authority and again my request we denied. I went to a branch office to try to resolve my issue and was again met with nobody who could help me. I have been waiting for confirmation of where the Wire Transfer is, when it was sent, when it was received and even the wire operations office refuses to provide me with information. As of today its been 18 days and SunTrust Bank is unable to confirm anything.
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| 01/08/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
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Web |
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on XX/XX/XXXX I opened two new accounts ( Checking and Money Market ) at SunTrust and initiated ACH transfers to move funds from XXXX XXXX savings accounts into the new accounts. The entire process was done on-line according to SunTrust 's instructions. In total, {$27000.00} in funds was removed from my XXXX accounts on XX/XX/XXXX. During the process, SunTrust deemed the transfers to be a internal rule violations and terminated my customer relationship and closed the accounts. No one at SunTrust will tell me where the money is or what rules may have been violated and no additional information has been provided. While I do have someone at a local branch attempting to help me with the situation, all of the SunTrust customer support representatives ( including Managers ) either refuse to tell me the reasoning for closing the accounts or have stated that they have no such information. At the moment, SunTrust took {$27000.00} of my money and no one seems to know where it is.
|
| 08/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I was pursuing a mortgage with Suntrust and paid them an initial fee for an appraisal of the property. They told me that the appraiser told them that the property is a commercial farm. The property I wish to purchase is not a commercial farm as it only has a XXXX stall barn and about XXXX acres in pasture, AND the appraiser called my real estate agent to discuss the property but he never went to the property. The underwriter did not want to approve the loan due to my debt level and someone fabricated a story about the appraiser saying that the property was a commercial farm was the most important reason for declining the loan. They also were working off an old credit report with lower scores. They refused to listen to me and declined the mortgage. They told me that the appraisal fee would be returned because there is no appraisal but I have yet to see this. My complaint is that they have never returned the appraisal fee. The loan officer was XXXX XXXX based in XXXX, NC.
|
| 01/27/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I have been banking with Suntrust for a few years. I have two checking accounts and savings accounts. I have my payroll direct deposited every two weeks in my account. I use my debit card for all my purchases. Recently my account was froze on XX/XX/2017 for some unknown reason. I am not able to make purchases, or pay any bills since my bank account has my funds in it. I have not received any correspondence in the mail regarding my back account. No one online or in person seems like they can help me, or tell me why my account is like this. I have my income tax being deposited in my account in the next two weeks and it looks like I will not be able to get that money since my account is blocked. That will be another 3 months to receive a normal check. Meanwhile I am depending on the check to help me pay off some loans. I feel like I am being treated unfairly. These funds are my funds and they should not be able to freeze them for an account review without a reason of why.
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
After hearing an advertisement on the radio from XXXX XXXX XXXX, a division of SunTrust bank, in regard to personal loans with no hard credit check, I applied. Three weeks later a hard inquiry appeared on my credit report.
I spoke to a customer service representative at XXXX XXXX, and basically was told to deal with it. When I pushed back he stated that he would log a compliant with the company. With in five minutes I had a email telling me to take up my complaint with the credit bureaus with phone numbers attached, they were wrong numbers?? They have no intentions on handling my dissatisfaction of their business practices.
They also advertise on XXXX, XXXX web site stating a soft credit hit. So they are false advertising on the radio and on different web sites. There are many poor reviews complaining of these deceiving advertising practices, that's when I decided to complain to CFPB. This company needs to be transparent, forthright when soliciting their products.
|
| 05/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was forclosed on by suntrust on XXXX 2013. Suntrust was suied by a class action suit and lost for illrgally foclosing home in the 2013 time period. I was part of the case and awarded money. I requested Suntrust Morgage escalation Resolution team to remove this from my credit since I was part of the class action suit and awarded money for there actions. They refused and stated my forclosure was valid and correctly reported to the credit bueru. I disagree since they were suied for morgages they forclose during 2013. It was for XXXX they had to award to customers. I would like this removed from my credit ( XXXX, XXXX and XXXX. All my attempts to keep the home was not accepted by suntrust. ( Loan modifacation, short sale ) They were goin to forclose on house nomatter what I tried to do. If they had forclose correctly they woulfg have not lost the class action suit for XXXX which was awarded to thousands of customers. I recriced a check also I was forclosed on XXXX XXXX.
|
| 01/17/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I want my case to be heard and not simply closed. I've tried multiple times and submitted all documentation for my case to be resolved yet because of the incompetency of suntrust employees and false accusations that I haven't tried to sort this out with them is a complete lie! I have supported all documents and more what else do you want!! I've talked to several agents and I keep getting the same feedback and nothing has been done. I've provided all documentation : bank statements and letters that prove I've paid on time. They are still pretending to not have the money. This is ungodly and immoral to the tenth degree.
I also filed a dispute with XXXX to make them aware of what is being done to my account.
Also suntrust has sent another breech of letter and a statement of XXXX. They are planning to ruin my account and credit. I don't how else to express this is plain english and no one is doing any thing to help me. I'm clearly not dealing with any human beings!!
|
| 05/23/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/2019, opened in XXXX XXXX, VA branch a personal and business checking account. At the time of account opening, I provided the banker with a promotional code for personal account that give {$250.00} for new account and {$200.00} for new business checking account. At this time, I also received an email asking me to create a log in for the ability to check the status of meeting the requirements for the bonuses. Shortly after, in early XXXX, I checked the status of both bonuses and noticed that despite meeting the requirements none of the check marks indicating same were noted. I then sent a secure banking message to SunTrust to inquire about my enrollment and received varied responses, that to some end stated that the accounts were never enrolled in the promotions, despite having provided the promotional codes at account opening. The two codes provided are XXXX ( business promotion code for {$200.00} ) and XXXX ( personal account promotion code for {$250.00} ).
|
| 07/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I had a checking account with Suntrust to cover my Suntrust mortgage account automatically. The amount of my mortgage was XXXX. I allocated extra {$12.00} to be applied to the mortgage to round out the payment to {$430.00} per month.
The next year the mortgage reset and increased by XXXX a month. I never authorized an automatic payment of {$430.00}, but that is what Suntrust took out of my account. Over time, this {$0.00} led to a deficit {$6.00} and set off a series of overdraft fees ( {$72.00} per month ) for each month it was overdrawn. Never signed up for overdraft either -- if checking account did n't have enough money, transaction should have been rejected?
After attempting to settle and bring account back to balance, the overdraft amount of {$230.00} did not post in time, leading to another {$180.00} in overdraft fines. Again, without Suntrust calling/texting me to inform me of overdraft.
These fees all resulted from a transaction amount I never authorized.
|
| 02/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sent suntrust a check to pay the escrow shortage ( for the 4th year in a row ) and for the 4th year in a row I was sent the WRONG statement. Because I paid the escrow shortage I should have gotten a statement for the LOWER monthly mortgage amount but of course they still sent a statement for the higher amount. I was told last year that this problem had been fixed and that I would receive the correct statements in the future if I paid the escrow shortage. That was clearly a LIE. I also asked several times for someone to explain why my escrow is short EVERY YEAR. But again no one has because for the 4th year in a row my escrow has been short. This is not a problem I 've had with other mortgage companies and I do not understand why suntrust can not get it right and no one will answer my questions. I am tired of their complete incompetence and lack of customer service. This is UNACCEPTABLE. They need to send me a CORRECT bill IMMEDIATELY for the amount due XX/XX/XXXX.
|
| 06/10/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I am out of work on FMLA but not receiving any XXXX benefits. I called my mortgage company, Suntrust, in XX/XX/2019 when I received my first loan modification package and let them know that I was selling the home and the loan would be paid in full on XX/XX/2019. The lady I spoke with then advised me not to fill out the modification package since I had no income and I was selling the home. She then let me know that I needed to at least make one payment before XX/XX/XXXX in order for the loan not to be considered for foreclosure. Our buyers then moved the close date to XX/XX/2019 and I called Suntrust to let them know on XX/XX/2019. I was then told that all these letters had been sent, which I did not receive, and that I owed around {$5000.00} to stop the foreclosure process. This was completely different from what I was told by Suntrust a month earlier. So I am now told that there is nothing I can do besides wait and hope I close in time before the foreclosure sale.
|
| 01/03/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My debit card was lost/stolen and many unauthorized transactions appeared on my account. I disputed these charges and they were denied. I called Suntrust and they said they were denied because of inconsistencies. The only possible inconsistency was the date I lost the card. I said it was XXXX XXXX, XXXX because that was the date they had for a transaction at XXXX for {$53.00}. This was the last I used the card. It turns out that was the posting date, not the transaction date of XXXX XXXX, XXXX. So when I faxed the affidavit to them I put XXXX XXXX, XXXX as the last time I had my card. That is the only inconsistency and it can be explained. Ive been waiting over two weeks now for my stolen money to be returned. Also, theyve charged me two overdraft fees as a result of this fraud. The can look up the claims with claim numbers XXXX and XXXX. There are about {$2800.00} in fraudulent transactions. Im not going to lie down and let them help these crooks take my money.
|
| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I refinanced my mortgage with the mortgage broker I've always used. He made sure that the current loan with Suntrust Mortgage would be paid off on XX/XX/19 to make sure it wasn't late. He's never had a problem paying off a loan on the XXXX of a month with any other bank, however Suntrust Mortgage company reported my payment as late because it was after 30 days. They didn't take into account that it was paid by the end of the month and paid in full. When I contacted them they said they wouldn't change the reporting because it's their policy that it be paid by the XXXX of the month. I feel that this late payment showing on my credit report is incorrect .... and the payment wasn't even made by me, it was paid through the process of refinancing. This bad report reduced my credit score by over 20 points! If you review my credit report you would see that I've never made a late payment, that's one thing I'm always good about doing, paying my bills on time! Thank you!
|
| 12/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
Older American |
|
I deposited {$6500.00} XX/XX/XXXX at sun trust bank, XXXX XXXX, XXXX, Florida XXXX, XXXX, they said my money would be available in 7 days, on XX/XX/XXXX, I tried to log into my acct and I couldnt, I called them and they said the acct was being closed, and they would mail the money to me in 10 to 14 days, the checks had cleared both business acct that checks were written on, but they wouldnt refund my money directly, Im a XXXX year old man trying to relocate to XXXX from XXXX, I find this very disturbing as well as financially uncomfortable, the bankers name is XXXX XXXX, also XXXX XXXX at another branch location, upon talking to bank regulators in XXXX and XXXX XXXX I found out, similar complaints were not uncommon, as these where the states I had to call to try to get some action on my predicament, I find this action unbelievable to be allowed in our banking systems, any and all assistance would be greatly appreciated, respectfully, XXXX XXXX, XXXX XXXX XXXX
|
| 07/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
Servicemember |
|
On XX/XX/2019, I submitted a travel notification with Suntrust for my debit card. I was informed that my debit card would be charged {$5.00} for ATM withdrawals. I proceeded to also use my debit card for most payments while abroad. I made a purchase of XXXX USD and the charge on my card was XXXX USD. I thought my hostel overcharged me, but they showed me that they charged the right amount. I closely followed my other debit card purchases and observed that Suntrust was adding an international charge to every purchase I made abroad. I messaged and called Suntrust explaining that their charges were not transparent and I was not informed that there would be a charge for using my debit card abroad. Another student on the research trip had a similar issue with their bank ( XXXX ), and their bank refunded their international fees. Suntrust 's customer service was unsure what could be done and I was not refunded the fees after reaching out via message and phone call.
|
| 12/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I filed a complaint aganist Suntrust bank in XXXX 2016. Money was missing from my bank account XXXX I went through the fraud dept and filed a case it was denied at that time I requested all documents from Suntrust that led to they denying my case. I never received the documents. I filed a rebuttal for the denial of my case, suntrust had 45 days to return a decision, on day 60 I called them no new notes were in the system then a week later they send another denial letter. I again ask for documents that explain why i was denied and documents that support why i was denied. I got the same blank form i got when i filed the fraud case. Finally I reported Suntrust to consumer finance dept. they opened a case Suntrust replied to Consumer Fiance I again ask for my documents and to this day I have never got the documents from Suntrust that show how they came to deny me. Please help me get these documents they took my money I am XXXX and this is so wrong on all levels.
|
| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Because SunTrust bank has repeatedly under managed our escrow account for home insurance we selected a new home insurance company and paid our annual home insurance premium in advance in XX/XX/XXXX.
During XXXX and XX/XX/XXXX we repeatedly advised the bank of our action and requested they close the escrow account, refund any escrow balance, and stop collecting insurance payments.
The Loan Officer said we needed to contact the Insurance department and the insurance department said we needed to contact the Loan Officer.
We did what they said and provided proof of the insurance policy, its coverage ( in excess of the loan amount ) and showing the bank as designated mortgagee.
On XX/XX/XXXX we received a letter dated XX/XX/XXXX requesting us to cancel the insurance policy and deposit any refund into escrow.
We want the bank to close the insurance portion of the escrow account, refund any escrow amount for insurance and stop charging form insurance amounts.
|
| 12/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
My loan with Suntrust has been paid in full for over a year. A month ago, Suntrust reported to XXXX credit bureau that I filed bankruptcy. I have not filed bankruptcy and this erroneous report has caused by credit score to drop 42 points.
This is not the first incident with incorrect, fraudulent activity on my account by Suntrust. Suntrust continues to use someone else 's information and social security number and associate them with my account. I've spent countless hours informing Suntrust of their errors, but they never take ownership, they point fingers, and the harassment continues.
The bankruptcy reported by Suntrust needs to be taken off my credit report. My account is paid in full and closed. Suntrust is not permitted to place any updates to my satisfied account. This is fraudulent and done without my knowledge, and consent. It is identify theft from a company who is suppose to protect the accounts, and personal information of their consumers.
|
| 09/14/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
opened savings XXXX XXXX XXXX un suntrust bank have checking acct to with direct deposit XXXX I set up acct for XXXX $ month from XXXX XXXX go in had bank move XXXX $ in that acct savings and setup overdraft protection the XXXX $ was deposited in savings then majically it next day XXXX deposit to savings disappeared whether this is computer error/ or someone at bank that trying to steal funds I had issues before with my XXXX checks had case with you.but really like before you done nothing, ,no fine on bank not much else so this more less report issue .if monies not in acct soon.i myself file federal lawsuit on bank.asking for XXXX $ for each error claiming embelezelment internal corruption of company and theft of XXXX funds..when I claim theft of funds ect I ask all funds all suntrust banks be froze till case done including there stock market investments.if none 3 agencies I file with do anything they be included because kind of seems type of collusion
|
| 04/20/2017 |
Yes |
|
- Incorrect information on credit report
- Account status
|
|
Web |
|
|
My credit card company , SunTrust, aut horized transactions that took my account over its credit limit, despite my never having authorized them to do so. ( In all my previous experiences with other cards, on the rare occasion an over-the-limit transaction was attempted, the transaction was simply denied and I used an alternate form of payment ). Consequently, my balance went over the limit for a couple of days be fore one of m y regular payments arrived. During this time, SunTrust ding ed my credit report, flagging my account as having been over the credit limit. I am unsure if this is illegal ( though I hope i t is ), but at minimum I find it deeply upsetting that a company with whom I have done business in good faith and always paid my bills promptly would authorize transactions taking my account over its credit limit, despite my never having agreed to this, and then immediately reporting negative information that will likely damage my credit rating.
|
| 09/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.
|
| 02/22/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We have a credit line with Suntrust Bank in XXXX, Florida. The XXXX names on this credit line are XXXX persons : XXXX ( myself ), XXXX ( wife ) and our son, XXXX. The interest pertaining to this credit line are debited directly from my son, XXXX 's checking account. The Form XXXX, has my name only, showing my social security. I have in many occasions requested to change this to my son 's name along with his social security number, as he is the one paying the interests and are debited directly from his checking account. They have told me that they can not change it. To my knowledge, the Form should show my son 's name ( XXXX ). I am a retired civilian and do not even have enough funds to pay such interest in that amount. Also, since I am retired and receiving social security, this can cause unneccesary problems with the IRS. Please know that this is a former complaint against Suntrust, and wish for you to assist me if I have the right to this request.
|
| 01/25/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
On more than one occasion, my bank has charged my wife and me an overdraft fee on our joint checking account without an actual overdraft occurring that we can see in our records. When this " overdraft '' occurs, the bank puts charges our bank credit card, although we are not overdrawn. In addition, we are charged a separate overdraft fee. When this happens, we are required by the bank to come to a branch and show that our account is not overdrawn, and the bank takes the charge ( s ) off the account. We have been dealing with this for approximately three years, and it 's frustrating and time-consuming. My real concern now -- and the reason I am contacting you now -- is that the bank is most likely making the same unwarranted overdraft charges to a lot of their other customers. This most recent time I captured a screen shot photo of our account showing that there was still sufficient funds and their activity including charges ( see attached ). Thanks,
|
| 04/06/2017 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
This is a complaint about Suntrust. My car was totaled, other party was 100 % negligent, other party 's insurer, XXXX, paid fair market value and my insurer, XXXX, paid the difference to pay off car loan entirely.
During this time, I received daily harassing phone calls, often before XXXX ET, from Suntrust 's collections department. Each and every time I assured them that the car was totalled and the entire payoff amount was already issued by XXXX and XXXX and provided account numbers supplied by those insurers. Suntrust demanded that I pay my monthly payment directly to them, offering to refund the difference when they processed those checks, and threatening to damage my credit if I did not pay immediately over the phone. On the last such call, Suntrust verified that they received payment and said the account was paid in full. Today I see that my credit report now shows a Delinquency for {$0.00}. I find this to be insulting and abusive treatment.
|
| 10/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I made a purchase with my debit card and the retailer processed it but claimed it never collected, so I was instructed to cancel my order and re-order. I did so and my money was not refunded. I disputed the transaction with SunTrust and provided all the documentation from the retailer showing the transaction, the cancellation, and the details of the amount ( {$720.00} ). This dispute was placed on XX/XX/XXXX and every time I inquire about the status, I get a canned response that they are " still looking into it. '' It 's been almost 3 months, I 'm a single working mother and need that money back. Suntrust has refused to provide any details about their " Investigation ''. XXXX XXXX, the retailer, has offered to do a conference call with Suntrust, but I was told that is " not procedure ''. Not only should the " investigation '' have been completely black and white, I should be provided with specific and factual updates as to their " investigation. ''
|
| 02/23/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
|
|
I have requested from Suntrust Bank who recently purchased my Student Loans that I be able to inspect and see that they have the Original Instrument ( s ) of Indebtness. They have responded twice and in both responses they have failed to present that/those documents. I have sent both complaints to FTC and it has been referred to you- the CFPB- and although they have failed to produce the requested information the complaints have been closed. At this time I wish to make my complaint fully explaining that they have not produced the Original Instrument ( s ) of Indebtness and In fact the document that they produced not only is a COPY but it is also a copy of a Loan with out the loan amount stated on the document. And also In Fact, The loan I took out on the date of XX/XX/2005 was for less than $ XXXX.The total cost for attending International Academy was less than the above stated {$6000.00} PLUS I had Pell and other Grant monies I had qualified for.
|
| 10/07/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Fees or interest
- Problem with fees
|
|
Web |
|
|
Suntrust Bank reported a {$12.00} charge to the credit bureau that was from a fee they charge for having their credit card. I was unaware of the charge. I had XXXX Removal XXXX in late XXXX and did not log into my online account for XXXX. I had a XXXX balance on my credit card. In Early XXXX I saw the charge on my account and paid it immediately.
Upon applying for home mortgage it was brought to my attention. I went to Suntrust Bank and met with the Manager at their XXXX XXXX Branch in XXXX Fl. He agreed that it should not have been reported and while I was with him her personally wrote a letter of dispute to the credit department of Suntrust.
I received a letter from the credit department that it was being reviewed but have heard nothing back.
I am formally requesting that this charge be removed from my report. It is hurting my credit and barring me from applying for a home mortgage.
I would appreciate the help cfpd.
Thank you XXXX XXXX
|
| 07/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Suntrust Bank provided written response to complaint XXXX stating a subpoena was received for release of my personal account information in XXXX. Suntrust identified in their response an attorney which has since hired legal counsel acknowledging no such subpoena existed and she found the statements. I have since discovered the employee from Suntrust Bank, XXXX XXXX has been terminated and Suntrust Bank is in denial or is simply trying to skirt past the fact my financial privacy was violated by testimony in open court as well as providing access to my bank statements in open court. The court docket and court reporter have recorded Suntrust testimony. Please share my complaint with all elected officials, federal and state agencies as deemed appropriate, I believe this action warrants a hefty fine and further compensation for negligence and misleading information to a consumer and a federal agency. The event in question took place in XXXX, not XXXX.
|
| 03/26/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was trying to make 1/2 a mortgage payment each time I got paid ( bi-weekly payments ) starting XXXX 2016. This was paying early, but I wanted to even out my bi-weekly budget and wanted the payment to come out early in the period. For payment due XX/XX/XXXX and late XX/XX/XXXX, I was paying 1/2 after XX/XX/XXXX the previous month, with the 2nd half paid after XX/XX/XXXX - so that the second payment would be received by the mortgage co. shortly after the XXXX.
XX/XX/XXXX I got a call about being past due. I explained the situation and was told it would be fixed. I made an effort to pay 5 days later than I had been doing thinking that might help, but then I got a call XX/XX/XXXX saying I was past due. I agreed at that time I would not pay 1/2 payments anymore, and was told it would be resolved by XX/XX/XXXX. As of a late notice dated XX/XX/XXXX, I am late a full payment ( not just 1/2 ) as well as having late charges in the amount of {$99.00}.
|
| 02/12/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Older American, Servicemember |
|
I filed a complaint to this agency about two banks conspiring together to charge me fees and charges illegally.
This agency indicated that a notice was sent to a Suntrust executive but I have yet to hear why their manager on XX/XX/XXXX denied or rejected to cash my check for {$300000.00} presented to a XXXX XXXX XXXX.
I would like for a bank Suntrust that I have had for almost three years since XXXX refused to cash my check and transfer the funds to the XXXX XXXX XXXX on XX/XX/XXXX.
This entire process has cost me time, trouble, issues and problems.
The federal government plans on transferring hundreds of thousands of more dollars in the near future so I have the right to know what was the reason. Another complaint of discrimination in violation to the American Disability Act ( ADA ) of 1990 by refusing to respond to my request to accept my stamp signature.
First issue is at hand now as to why my check at first was denied.
XXXX
|
| 07/10/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
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A bank fraudently claimed ownership of land that isnot there property. In an attempt to sell a home they rippeddown posted signs, removed a house trailerand sold it, and trespassed. They refuse toreturn any phone calls and will not talk to lawenforcement. They are attempting to sell a propertywithout a proper land survey, then leave the messto my family and the new land owner in an effortto make a quick profit- this is fraud. The Bank is Sun Trust.
The land has been in my family for about 100years with well defined borders. The addressis next to the banks land at XXXX XXXX XXXX PA. I have attempted to call SunTrust 18 times, they will not respond. I filed a policereport with the State Police, but they hang upon law enforcement and refuse to answer anyquestions. They hired a people to illegallytrespass, rip down posted signs and stealproperty- an RV home. This all is an attempt toile a quick saleand profit before law enforcement can react.
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| 09/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Denied request to lower payments
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Web |
Servicemember |
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I am the co-borrower of the loan with Sun Trust. The originator of the note is XXXX XXXX who is protected by bankrupcy. I have made all the payments on this note. I live on a fixed income and always are a few weeks late due to the fact that XXXX comes the third of the month. I have requested that Sun Trust refinance it in my name with my check each month as collateral. I spoke to the XXXX Sun Trust Officer last month and she says nothing, but to go to another bank. In the meantime, I am paying interest that are in excess of 40 %. Sun Trust refuses to renegotiate this loan and it is costing me late fee 's and unreal interest.
I have spoken to them on a dozen situations but they are not willing to help. I will end up paying {$30000.00}. for a XXXX dollar truck and that is not fair. XXXX XXXX the originator of the loan is protected by Bankrupcy and I have not had a payment history of any kind in more then a year now, no statements, nothing.
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| 07/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
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Web |
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Suntrust Bank handles the donations that people give us for our non-for-profit. We mailed in a cash donation along with a check that had been handed to us from a donor. We mailed it as certified mail to ensure that it would arrive at the bank. The USPS has record of delivering the envelope with cash and check in it. The USPS declared after a corporate investigation that Suntrust Bank had received the envelope. The envelope with the cash and check is missing. The check was for {$2000.00} and the cash was {$500.00}. The check has since been cancelled, but the cash is still missing. My complaint is that we are out {$500.00} dollars cash, from what looks like theft while in Suntrust 's care or negligence from Suntrust by losing our deposit. Suntrust will not take responsibility for the money. Suntrust will not take responsibility for losing the envelope, the check and the cash. I have record of it being delivered to Suntrust bank by the USPS.
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| 11/07/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
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- Problem with customer service
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Web |
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I deposited to my business account an IRS refund check dated XX/XX/2018 upon which I hold Power of Attorney. The check for the amount of {$5100.00} posted to my account XXXX on XX/XX/2018 and upon its clearance has since sat in my account blocked from my use! I have called the SunTrust Bank repeatedly and was told that my funds can not be released and that SunTrust Bank has the right to hold on to my funds and have yet to explain when I will have my funds released. It has now been ( 1 ) years since I deposited the check and I do not have an explanation from there representatives as to what they intend to do with my deposit. I am asking for assistance from the CFPB to get to the bottom of this and extend direction as to my legal rights regarding the loss ; hardship and punitive damage this bank institution has caused me and my business.
I request the SunTrust Bank request my supporting document the POA via their internal portal or email.
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| 03/07/2019 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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I opened a new SunTrust Advantage Checking account under bonus offer XXXX on XX/XX/XXXX. As one of the requirements I had to fund the account with {$100.00} within 14 days.
As I was traveling and not near a branch I used Suntrust 's web site to request an external transfer to fund my new account.
THREE such requests ( one on XX/XX/XXXX, and two on XX/XX/XXXX ) were rejected/cancelled by Suntrust days after they'd been submitted. The fourth transfer request on XX/XX/XXXX ( on day 14 since account opening ) did finally go through and the funds arrived on XX/XX/XXXX.
The external transfer system at Suntrust is clearly broken - so far only 2 out of 8 transfer requests I've submitted have been executed.
It appears Suntrust is deliberately delaying processing and subsequently cancelling their customers ' external transfers so that they can run down the 14-day clock and claim that the account did not comply with the bonus offer requirement.
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| 02/22/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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A transaction in the amount of {$58.00} to XXXX XXXX goes thru every XX/XX/XXXX or XX/XX/XXXX month. First time I noticed back in XX/XX/XXXX or XX/XX/2018. I called my bank and let them knew the transactions were not authorized by me. Not only I wanted to dispute the transactions but I also wishes to stop these going forward. I never heard back from my bank afterward and I assumed it was taken care of.
Recently I saw the transaction again, I called telephone banking, after being transferred to 4 different customer service rep, I was told that the transactions were not stopped because the previous case was denied due to out of 30 days time limit that I had to report any unauthorized transactions and the bank is unable to make stop payment just using the name and the amount. They need more information. Unless I change my account number, these transactions will continue to go thru and they are unable to do anything about it. Rep name XXXX.
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| 08/10/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
Older American |
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On XX/XX/XXXX I was notified by SunTrust that my Debit card had been 'Compromised ' and that they were going to cancel my existing card and issue a new card. After I had been notified someone attempted to access my account by doing a balance inquiry. SunTrust debited my account a 'Non SunTrust ATM Fee ATM Balance Inquiry Fee '. This balance inquiry was not done by me. As soon as I noticed the fee charged to my debit card I contacted SunTrust by phone. This was on XX/XX/XXXX at XXXX XXXX. I was on the phone with the SunTrust Fraud department for 29 minutes and 36 seconds. I was told repeatedly that it was against SunTrust Policy to reverse charges for fees even when they were not incurred by the account holder. For a bank to charge a fee to a customer that they know was not incurred by the customer is beyond ridiculous. I would like to have the CFPB advice SunTrust that their actions are petty and not in the interest of their customers.
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| 05/23/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have a Conventional with PMI mortgage.
SunTrust Mo rtgage / Loan officer XXXX XXXX . I believe I have been charged PMI inappropriately since the mortgage was issued based on the loan to value ratio. I have called the local branch and was told XXXX XXXX no longer works there and given a direct number to call. When I did I was told I would have to pay for another appraisal to file for discontinuance of PMI. Again my complaint that I should never have been charged PMI was politely ignored. My appraisal document shows the appraisal at XXXX and the appraiser states that is on the low end of a scale between $ XXXX .and {$540.00} My original loan amount ( XXXX / XXXX / 14 ) was {$360.00} which equates to 72 % of the appraised value even at the lower end of the scale. No one will discuss or admit that it is clearly below 80 % which I believe is the threshold for PMI requirements. I have copies of the appraisal Etc.
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| 04/11/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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I am a new customer of Suntrust bank. When offered, I opted into overdraft protection, assuming there would be commercially reasonable terms as I experienced with XXXX XXXX XXXX applied to my account. In fact there were not. They charged are total of {$140.00} of fees to me for transactions that had, in fact, overdrafted my account by {$42.00}. When I called, they said they only charged fees for transactions over {$5.00}. XXXX of the fees they charged in fact violated that policy by being for {$3.00} each. They voluntarily refunded XXXX unspecified fees as a matter of courtesy. There policy is n't in line with XXXX XXXX XXXX, which exempts transactions under {$10.00}, and XXXX goes out of its way to notify you that your account has been overdrawn via text message and e-mail. Clearly, Suntrust is out of line with public policy, and their checking account contract of adhesion is out of line with the common law in this country. Thank you.
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| 08/06/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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Suntrust Bank I applied online to get a bank account and it was approved and opened up. About a week or so later I received a letter from the Back office department stating that the account will be closed due to information reported with XXXX XXXX Services. So I left it at that knowing the account was going to be closed and I would have to find a bank somewhere else. Now a few years later I start to clear my credit and pulled and asked for a Consumer report from XXXX and Suntrust Bank has me listed as Non-Sufficeint Fund ( NSF ) Activity and is reporting that I owe them {$84.00}. Now I called the customer services and they stated my account was charged several return check fees and that I had to pay and they would update XXXX and XXXX XXXX Systems. What?? How can you do that when you told me the account was not going to be left open because you closed it due to reported information from XXXX XXXX Services. Such a XXXX double standard
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| 11/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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For the past several months I have attempted to log into the online banking portal to pay my mortgage. Every time I log in there is an issue with the system that says my account is restricted due to too many login attempts. Each time I'm forced to contact SunTrust to have them fix the issue. I am only able to do this Monday - Friday during normal business hours when I am working. The issue is apparently a known issue with SunTrust that they state they are " working on '' however it is yet to be fixed. In order for me to pay my mortgage I have to call them, have them reset the online banking platform then login. This has happened for the last three months without any fix. It feels as if SunTrust does not want me to pay my mortgage since they are making it extremely difficult to submit a payment. This has been occurring ever since they combined their traditional online banking portal with their SunTrust Mortgage online banking portal.
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| 03/15/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
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- Loan servicing, payments, escrow account
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Web |
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I filed for Mediation for my home loan. The mediation package from the foreclosure attorney had most items in it. except for the payment from the mortgage insurance company. It had a notation in it. but did n't post the payment from the company. I had talked to the mortgage insurance guy and he wanted to go over figures with me. and then told me they had to pay Suntrust because I had received a discharge on my bankruptcy. Even after the Pay off. Suntrust is still charging a mortgage insurance fee. this time it is lender imposed and not imposed by the mortgage insurance company. Please make Suntrust service my loan correctly. The loan amount is n't correct and the mortgage insurance should n't be charged.
also my deed of trust was n't dated by the notary. XXXX allows for the lender to fix flawed Deed of trusts. Maryland does n't allow back dating a deed of trust. so if I am correct. no interest is due on this loan. Am I not correct?
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| 01/14/2020 |
Yes |
- Vehicle loan or lease
- Loan
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- Problems at the end of the loan or lease
- Problem with paying off the loan
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|
Web |
Servicemember |
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XX/XX/XXXX on or about XXXX one XXXX truck was repossessed at XXXX XXXX in XXXX Maryland when payment was not due. Suntrust Bank had to return the truck promptly. I filled a complaint out and nothing happened.
In XX/XX/XXXX Suntrust XXXX XXXX of XXXX Maryland returned my payment saying that SunTrust had charged off the account, even though payments had been made without any due at that time. I have enclosed the Money Order that XXXX XXXX Suntrust XXXX XXXXXXXX had returned. I then called Suntrust and spoke to a CSR and she stated why had I not made all the payments with my bank card and said I stilled owed {$3200.00} and unless I make a agreement I will not get my title. That is one " mistate '' in XX/XX/XXXX and another huge mistake in XX/XX/XXXX. No excuse for this type of banking. I also have requested statement 's from them for ten years, but the prinicipal owner is in bankruptcy but I am not and I have made the 100 payments.
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| 07/12/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Older American |
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My Chapter XXXX Bankruptcy was discharged XXXX XXXX , 2017 including a debt of XXXX from SunTrust Bank. However XXXX , XXXX dropped my case oveer my complaint with the XXXX XXXX and submitted XXXX electronic payments to a closed account with SunTrust. After numerous letters and visits to SunTrust branches in XXXX XXXX , 2017 I received a letter from SunTru st Recovery Dept. than king me for the payment and demanding an additional {$700.00}. This whole account was discharged XXXX XXXX , 2017 and SunTrust received proper notice from XXXX and my new attorney. The electronic payments from XXXX to SunTrust were an error. I never paid any monies to SunTrust and do not owe any further amounts to SunTrust I have all the XXXX XXXX info rmation and the numerous letters to SunTrust. The last call I received from the SunTru st Recovery Dept state d that they would not return the money ... .period.
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| 05/03/2016 |
Yes |
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Web |
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I received a letter from SunTrust Bank dated XXXX/XXXX/XXXX in which they announced a 37 % increase in late payment fees. Specifically, it reads " Based on changes in consumer price index, the amount of the first late payment or first returned payment fee is changing to up to {$27.00} ''.
However, a look at the actual XXXX data provided by the XXXX XXXX XXXX XXXX clearly shows that the XXXX has been *decreasing* since the middle of XXXX, and has actually been running slightly negative in XXXX so far. I called SunTrust at XXXX and talked to someone by the name of XXXX who told me that " this department does n't handle that ''. When I asked him to tell me who did, he placed me on hold for 10 minutes. When he came back, he informed me that there was no one to talk to about this.
I think that I 'm entitled to an explanation when a bank fee suddenly jumps by over one third, instead of getting the typical bank stonewall treatment.
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| 07/09/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I received a letter in the mail from a collections company in regards to an unpaid balance of {$80.00} from Suntrust. Once I called XXXX XXXX XXXX in MA, they informed me that I overdrew my Suntrust account which was opened in 2012. They do not have any details on if money was ever entered into the account or withdrawn? I was astonished because I have never been a member of Suntrust. My next step was to call Suntrust, who I explained my situation to. They transferred me from department to department several times before I ended up initially where I placed my call. The representative then said she was going to get her manager for assistance and hung up. I have tried calling XXXX more times and the same exact thing happened! Finally an agent placed a claim and told me I would hear something back in 24 hours, which never happened. I asked them to delete the bank account and contact the collection company, which has not taken place.
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| 12/21/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I placed an order online with XXXX. The order was for 3 items. The charges posted to my account and were processed. And then showed up a second time in the pending transactions the following day. When I contacted SunTrust I was told the pending transactions would be removed from my statement. Now they are saying that they are going to charge me for the pending transactions, that they removed. Those transactions where not initiated by me or XXXX, and were SunTrust 's mistake in the first place. They should not be able to charge me for a transaction that I did not initiate. XXXX has stated that I only ordered the three items once, and that they where paid for them. Thus, SunTrust should not be able to remove an additional {$57.00} from my account a second time. I will attach statements from both XXXX customer service and SunTrust customer service, and a copy of my bank statement to this document.
Kind Regards, XXXX XXXX XXXXXXXX
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| 03/03/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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My daughter paid her mortgage payment to Suntrust ( drive-thru ) on XXXX/XXXX/2017 using a check from my XXXX account. The Amount was {$950.00}. The check never arrived at XXXX. Today my other bank, XXXX XXXX XXXX XXXX called to inform me that I had a pending overdraft and they had declined a transfer that I made on XXXX/XXXX/2017. After a lot of research I discovered that the Suntrust teller had somehow electronically sent the withdrawal to the wrong bank. The previous month 's payment had been made from the XXXX account. Suntrust has their money so they are only sympathetic and realize they have a training issue. I now have to deposit a XXXX check at XXXX, including the XXXX NSF fee before the end of business today. They say the fee will be reimbursed.
I have spend over a half day and will have driven many miles to resolve this Suntrust Mortgage issue. I am angry and believe I should be compensated for their stupid mistake.
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| 02/04/2019 |
Yes |
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- Trouble during payment process
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Web |
Servicemember |
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My agent and I both sent my new homeowners policy to Suntrust for payment. I uploaded it directly on XX/XX/XXXX, my agent faxed it to them the same day.
On XX/XX/XXXX I received a " Forced insurance '' letter from Suntrust, they had failed to pay my insurance on time, even though I have a fully funded escrow account.
I called Suntrust who told me, ' We paid it today and there will be no lapse in coverage. '' Had I made a claim in the period from XXXX XXXX XXXX, I would have been uninsured. When I asked Suntrust where to file a complaint, I was told that there was nobody to complain to, I found this website on my own.
This is absurd, they had my money, they had my new policy and yet they did not pay it, leaving me without coverage ( Sure they will back date it because I did not have a loss and they want the money ). This is completely unfair. If this is a pattern from Suntrust, they should receive sanctions or penalties.
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| 09/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I have been fighting an account with Suntrust and the three credit reporting agencies. No one would give me history of the account and I believed it to be past the statue of limitations. I finally received the payment history from Suntrust and even that information has contradicting information. The ledger shows the last payment was made on XX/XX/XXXX which is not accurate. The payment history they sent shows the last payment was XX/XX/XXXX and the cover letter states the last payment was XX/XX/XXXX. I am not in the mortgage industry but doesn't that appear to be conflicting information? This account per the actual payment history and not all the other things generic forms they supplied validates that the account is past the statue of limitations. The account history also shows that starting XX/XX/XXXX the balance never changed up until the last payment. Even when the payments were made why wouldn't the balance ever go down?
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| 04/16/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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On Thursday XXXX XXXX, 2016 I tried to perform a transaction using my check from Suntrust Bank, my transaction was declined. I contacted Suntrust via telephone immediately to find out why and i was told my account had been closed, when I asked for the reason why, I was told it was per their upper management. I mentioned that I had not been contacted informing me of the closure, they said a letter had been mailed out the day before and that I would received the money from my account in 2 weeks. Today XXXX XXXX, 2016, I received a notification informing me that my account was over drafted by {$4.00}. I contacted them and explained that since I was given no warning about the impending closure of my account before it happened that it was something that did not clear until after they had closed my account and removed the money therefore I should not be responsible for it. I was told I still had to pay it or face an overdraft fee.
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| 03/08/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On XX/XX/2019 I received a letter from SunTrust bank stateted that a check of the amount of {$76000.00} was deposited in my bank account. stated the {$5000.00} was available now and $ XXXX would be available within 3/5 days later which it did. However, on XX/XX/2019 a massive overdraft was taking my account without further notification. I received a voicemail from XXXX stated that my account was overdraft to not further use. I contacted the branch manager, XXXX who was trying to help, but had no idea of what was going. He advised that the Chief Officer of SunTrust bank would be in contact with me. Its been a week later and no one really has any solution. Since I had recently filed for worker comps with my employer, I thought it was a check that was deposited in my account. Now my account is {$810.00} overdraft and no Suntrust managers know why the cause as my current employer check is being deposited funds in my account.
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| 11/01/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XXXX/XXXX/XXXX I was expecting a cash deposit of {$1300.00} in my SunTrust account before releasing an item that I was selling online. The deposit was made at the SunTrust branch located at XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, XXXXL XXXX at XXXX. After seen the updated transaction in my account I released the item. Few minutes later I noticed that the cash deposit was reverted, so immediately I called the bank. I spoke with the branch manager and she told me that the person who did the deposit went back to the teller and asked for a cash reversal. The teller without questions or ID verification gave him/her the money back from my account without my authorization or any prior notice, so the person got away with the money and the item.
On the same day I submitted a claim that has not been solved yet. Today XXXX/XXXX/XXXX, I still waiting an answer from the SunTrust Bank.
I hope you can help me to resolve this issue.
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| 09/27/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
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- Trouble during payment process
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Web |
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First, SunTrust bank refuses to allow mortgage clients to email or upload their insurance information. NO ONE uses paper and fax machines XXXX XXXX, except apparently SunTrust. They are not capable of using email to communicate and you can not email or upload insurance information. Second, SunTrust received my master condo flood policy weeks ago, but refuses to update my account accordingly. Third, SunTrust threatens to force place flood coverage on my condo for the outrageous premium amount of {$5900.00}! The entire condo carries a {>= $1,000,000} master flood policy, with a premium of {$60000.00}. I owe SunTrust {$69000.00}. The max coverage per home is {$250000.00}. Even if {$250000.00} coverage had to be placed, THERE IS NO WAY IT CAN COST {$5900.00} PER YEAR. SUN TRUST IS CLEARLY TRYING TO GET AWAY WITH ROBBING THEIR CUSTOMERS. THIS IS HAPPENING IN A FEMA DECLARED DISASTER AREA DUE TO HURRICANE IRMA! UNCONSCIONABLE.
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| 02/13/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX, Suntrust overdrew an account on which I had declined overdraft protection. The overdraft was caused by a hold being removed and then recharged. Suntrust reworked the order in which charges were approved to find a backdoor way of charging me an overdraft fee ; they reapplied 2 charges against my balance so that the charge which took me over was an ACH charge. I believe this is a systematic scam by Suntrust ( on top of the bank being generally deceptive about overdraft protection ) to punish customers who have declined their ridiculous overdraft protection.
I gave Suntrust three separate opportunities to reverse their fraudulent charge and they have yet to do so.
Beyond the horrendous customer service standard this incident portrays, I believe Suntrust is actively engaging in fraudulent activities which target low-balance bank accounts as well as customers who refuse their so-called overdraft protection.
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| 05/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
|
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Web |
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SunTrust Bank failed to reasonably and timely respond to four ( 4 ) emails requesting an increase to monthly principle payments ( XX/XX/2017 ; XX/XX/XXXX, XX/XX/XXXX ). SunTrust Bank failed to act upon request. All emails were sent through SunTrust 's secured client portal. Original message is as follows : " Please increase my additional bi-weekly payment from {$120.00} to {$250.00}. Apply all monies in excess of original monthly mortgage payment of {$3.00}, XXXX to principle. These actions, aggregated, should equate to fifteen ( 15 ) total payments per year with three ( 3 ) payments going straight to principle. If not, please let me know. Thanks! - XXXX XXXX-XXXX. '' Three more request with heightened warning and conspicuous subject lines of " Formal CFPB Compliant to be Filed! '' went unnoticed and received no response. SunTrust 's actions and inactions were negligent, and I was financially harmed.
- XXXX XXXX XXXX
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| 10/18/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
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While trying to close a refinance with a mortgage company, I was advised I could not close because there was an outstanding lien against my home that I was trying to refinance. I asked who had the lien and it was Suntrust. I advised the new refinance company that it was paid off on XXXX XXXX, XXXX and I was told I needed to get proof. I went to Suntrust and found that they still had a lien on my property and XXXX years later it still has not been removed.
Suntrust Account XXXX : XXXX -- - What XXXX bookkeeping since the Suntrust clerk was able to pull the print screen showing the loan paid in full XXXX/XXXX/XXXX. I then had to send a letter to Suntrust requesting the lien be removed -- - I was told that could take up to XXXX days -- - this screwed up my refinance. Some one must answer for this mistake and provide proof that my residence does not have a lien against it.
XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, NC XXXX
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| 11/28/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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This loan was taken out with Suntrust as a line of credit by a business that I used to own. I was offered so many products I was told my it was a business unsecured line of credit and my credit was not the applicate, but a singer CEO they have more than double the original amount and from XXXX to XXXX! The company went belly up and they came after me. They have called and harassed, turned my case over to a collection agency and the loan was originally taken out in XX/XX/XXXX. Payments stopped in XX/XX/XXXX and now going on almost 14 years and I am still harassed via mail when I have requested after 7 years that they remove form my personal. they have again is is 14 years later, they bill me ever month and refuse to remove the debit from my credit. Per my rights it should be removed they had attempted to put a lien on my home which was made to be removed by the legal department and it shows a bad on my credit report.
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| 12/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
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I received a debit card and pin number for an account from SunTrust bank that I never requested. I called to report it and they told me I had to visit a local branch to file the complaint. The closest branch is more than 1000 miles away. After much insistence they told me they would report it and I would get a letter in 30 days. To my knowledge no bank should be allowed to open an account without the verification of some sort that the person opening the account actually wanted the account. This is a complete failure of this banking institutions to perform it's due diligence which impacts me the consumer and not the banking institution. This must be stopped. In the mean time they can not tell me anything about how this account got opened, if there was any activity on it. If it has been reported to the credit bureaus or anything because they are not permitted to share with me any of the information they have about me.
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| 08/24/2016 |
Yes |
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- Application, originator, mortgage broker
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Web |
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I am very devastated of how Sun Trust has handle my loan. I was forced to re-applied numerals times because Sun Trust keeps using the wrong income. I have provided my bank statements for proof of the money I get paid doing carpet installments. I also informed my lander that I don not have any company expenses because they provide me all the materials and tools so I can do the labor. I also told them many times that my home is severely under water by - {$130000.00}. Sun Trust keeps stating that I dont have enough for an affordable mortgage payment. However my monthly income is {$4100.00}. and SunTrust only used {$3400.00}. to review my loan they are purposely doing this to me so I wont be eligible for a government modification. At this point I was forced to appeal but they always deny my appeal for the same reasons. I do not want to lose my house due to my health it was impossible to keep up with my mortgage payment.
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| 07/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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1. When I got the loan I filled out all paperwork to do automatic payments. They made me do it. But then they failed to set up the automatic payments. I did not realize this until a month after the payment was due. They never sent me a letter, email, nothing.
2. So I called in on XX/XX/XXXX at XXXXXXXX XXXX and made two payments. One for XXXX and a separate one that was supposed to post one day later for XXXX. They made the XXXX payment and did not do the XXXX one. So I called in again on XX/XX/XXXX when I realized this. I spoke to a supervisor. She reviewed the call from the previous week. She stated that the 'associate ' failed to make the second payment. So here it is XX/XX/XXXX and the still have not taken the money out of my account.
This is fraud. How can I be current on my loan if they refuse to make the payments even after I give them full routing and account numbers and verbally authorize the payments?
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| 09/03/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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In 2014 I submitted a complaint ( # XXXX ) against SunTrust and for a long time I did n't see the response.
When I did finally see the response, I wanted to dispute it. When I call the CFPB they told me I would have to submit another complaint. Since the original complaint I was made aware that the type of loan I was originally given was made illegal years later. This was due to the misleading information on the loan details. The option payments cause a negative amortization with no deduction in the balance.. Plus the payments fluctuate monthly. I have been paying this loan for over 16 years now and have not been able to make a dent in it. I asked for a modification of which they only allowed it for 3 years on a year to year basis. Now SunTrust will not allow me any other modifications. This loan has done nothing but cause me heartache as it is difficult for me to make the payments. Please advise. Thank you.
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| 01/17/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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The following banks have charged me fees for letting my account go in the negative then each transaction was charged an additional fee for each day until it was positive again.
I no longer have these banks. I really tried to keep them in the positive but it was virtually in possible.
XXXX XXXX XXXX XXXX XXXX XXXX Suntrust I gave up after they let me open new accounts & kept taking the fees. I do not think I am stupid they prey on people with limited income.
I am a XXXX XXXX, & I have been hearing this from alot of people, XXXX, retired.
This is second hand stealing from the US Treasury isn't it?
Fees each month easily can be between $ 200- {$500.00} & that is conservative amount.
This activity could balance our budget based on how many people are recieving benefits from treasury that can not maintain their checking accounts? XXXX, Seniors, who are XXXX not fully capable of managing their account.
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| 10/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Overcharged for something you did purchase with the card
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Web |
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Suntrust Credit Card Purchased some coffee & breakfast at XXXX on XX/XX/19. The breakfast supposed to include eggs with steak & bacon. There was a very small amount of steak ( no a small portion, it was like 2 pieces of " square piece of meat ) and no bacon.
It appeared i received some other persons order.
I contacted XXXX by email the same day, and other then the standard we have received your email reply, i have not had any further contact with anyone from XXXX.
On XX/XX/19 i tried to dispute part of my order with my credit card company. I couldn't find an online option to dispute the charge.
I called the credit card company, and was told i have to work it out with the merchant.
I directly ask the rep, if all a merchant has to do i to ignore my emails or calls, and they'll get away with charging me for something i did not get, and the reps reply was " Yes ''.
Where is the protection for customers?
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| 06/07/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Cashing a check
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Web |
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This XXXX on Thursday, XXXX XXXX 2017, I asked XXXX XXXX XXXX for my check cash which was a little over {$5.00} & she told me that she could not cash my check cuz I had XXXX cents balance on my checking account. Then she showed me that the check was from different Bank company, not Suntrust Bank. I told her so. I had checks cashed several times with small amount of balances on my checking account before. What is more, I will have direct deposit on every 3rd of each month. Also, I informed her that I was XXXX. She would not write to communicate with me being XXXX I even begged her PLEASE write me. That was 3 times to tell her please write on my writing note in nice way. She refused to write to communicate with me being XXXX That is against ADA law to refuse accommodating by writing on paper & pen to XXXX XXXX XXXX customers. She broke ADA laws by refusing to XXXX XXXX XXXX on paper & pen with me being XXXX
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| 06/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
Older American |
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On XXXX XXXX 2017, our client 's email account evidently was hacked changing the client 's wire transfer instructions from his bank, XXXX XXXX XXXX XXXX, to SunTrust Bank in XXXX, FL. A wire transfer in the amount of {$53000.00} was sent from XXXX XXXX in XXXX, KY to SunTrust Bank in XXXX, FL and was deposited into a fraudulent account by SunTrust. The receivers name on the wire did not match the name on the account described in the wire transfer instructions, however SunTrust deposited the money into an account and allowed it to be withdrawn. SunTrust was contacted by XXXX XXXX in an effort to retrieve the wire but SunTrust refused stating the money had already been withdrawn. We believe SunTrust Bank violated Federal Banking Code 4A-207 of the Federal Banking Regulations ( attached ) and request a full return of the {$53000.00} that was placed into the incorrect recipients account by SunTrust Bank.
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| 05/15/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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The complaint I am filing is a result of an ongoing PMI deletion request with Suntrust Mortgage. I followed all guidelines on how to submit this request. I did receive a timely appraisal ; however, the result of the appraisal I firmly disagreed with for good cause. The value of the home did not meet PMI deletion 80 % loan to value. After speaking with the woman who appraised my house she admitted that she missed a key comp which would have valued my house much higher to qualify for PMI deletion. She asked to me to rebut my finding to the bank and that she would redo the appraisal. I have since written 2 letters to Suntrust and spoke with multiple agents all who have blown this case off or denied my fact based information. They have now closed the case. I am essentially being pushed around by a bank who does not want to admit there was an appraisal error that could potentially qualify me for PMI deletion.
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| 11/03/2016 |
Yes |
- Bank account or service
- Savings account
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Web |
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I opened a new savings account at SunTrust Bank on XXXX/XXXX/XXXX with {$2000.00}. On XXXX/XXXX/XXXX SunTrust made an unauthorized withdrawal from my account in the amount of {$1300.00}. My inquiry revealed that the reason given by the Bank was to recover disputed funds dating from XXXX.
Given that these funds were disputed, the Bank has no legal right to act in this manner. The Bank could have brought legal action if it felt it was in the right. That it did not do so shows that the Bank felt it did not have sufficient evidence to support its ' claim. What the Bank did is equivalent to theft. If I entered someone 's home and took something because I thought that the owner owed me money, that act would be illegal and would be considered theft.
I would request that the CFPB instruct the Bank to return the funds to my account, and advise them them to bring legal action if they wish to pursue their claim.
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| 04/07/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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On XXXX XXXX, 2015 I made an electronic check payable to XXXX XXXX XXXX of XXXX for {$52.00}. The check was found to never have reached them and it was discovered through Suntrust the charge was not authorized. ( See attachment Proof of fraudulent check ).
Then Suntrust proceeded to credit and debit me the {$52.00} which had no effect to me receiving a refund and charged me a return item fee of {$12.00} on top of that ( see attachment return item fee showing my checking activity.
I had to pay XXXX XXXX XXXX the {$52.00} last month since they never received payment so altogether I 'm out {$62.00} for a fraudulent check that Suntrust admits was not authorized. When I called their Dept of Fraud Prevention and Claims Escalation at XXXX they said the case is closed on their end and offered no remediation of the funds and the return fee. I can be reached to discuss this further at XXXX Sincerely XXXX XXXX
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| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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On XX/XX/2019, I notice a inquiry on my credit Report : XXXX/XXXX/ XXXX dated for XX/XX/2019, I then contacted the company listed on my report via Phone and certified mailed letter sent to their address asking why is a inquiry on my credit file and XXXX XXXX , response to both means of contact was the same reply!
They were not able to provide the reason for the inquiry nor who Authorized this inquiry, they said I would have to contact the original lender known as SunTrust Bank to gather information.
I immediately called Suuntrust Bank for a explanation why this company ran my credit if I never applied for a loan or signed any contract for a loan or sign a application for funds/ Insurance etc.
They were not able to provide any significant documentation to display my signature or myself Authorizing this company to check my credit report Electronically, or with a signed document with my signature.
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| 10/16/2017 |
Yes |
- Vehicle loan or lease
- Loan
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- Getting a loan or lease
- Credit denial
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Web |
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I applied for a loan on XXXX with XXXX, a division of SunTrust bank. They rejected my application and said they would disclose the reason within XXXX hours. I never rec 'd this letter. I filed a complaint with the CFPB shortly thereafter. SunTrust-XXXX XXXX proceeded to respond with a letter dated XXXX stating the reasons for XXXX 's rejection. My XXXX score on XXXX was XXXX, verified by XXXX. XXXX reported it as XXXX, a fraudulent score based on this back dated letter based on the complaint they rec 'd. They also indicated in the letter that I had delinquent accounts, of which I have XXXX currently. XXXX XXXX and XXXX responded to my complaint as a TOTAL and COMPLETE lie! Again, I rec 'd no such letter or email from XXXX indicating the reason for their rejection. I rec 'd numerous acceptances of the same loan from the same credit bureau- XXXX of which the score was XXXX, NOT XXXX as XXXX XXXX about.
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| 08/22/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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Web |
Older American |
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ON XXXX XXXX,XXXX INTERNATIONAL WIRE SENT IN AMOUNT OF {$350.00} PLUS {$50.00} FEE. CORRECT ROUTING NUMBERS, BANK, ACCOUNT NAME AND NUMBER ON TRANSFER USED. WIRE NOT SENT TO INFORMATION GIVEN. ON XXXX XXXX, XXXX CERTIFIED LETTER RECEIVED FROM SUNTRUST BANK SAYING BANK ACCOUNT WOULD BE CLOSED BY XXXX XXXX, XXXX. ACCOUNT HOLDER XXXX XXXX XXXX HAD NO PROBLEM WITH ACCOUNT BEING CLOSED. WHEN XXXX XXXX INQUIRED ABOUT NON DELIVERED WIRE AT XXXX. HE WAS TOLD TO CALL ANOTHER NUMBER. XXXX. THEN HE WAS GIVEN ANOTHER RUN AROUND TO CALL THE BRANCH OFFICE. THEN SUNTRUST CHARGED ANOTHER {$25.00} TO PUT A TRACER ON WIRE. THE WIRE HAS WENT PAST THE DELIVERY DATE IT WOULD BE MADE AVAILABLE. XXXX XXXX IS IN THE OPINION AND BELIEF SUNTRUST BANK CONSPIRED TO HOLD THAT WIRE ILLEGALY AND CLOSE ACCOUNT CHARGING EXTRA FEES AND TAKING THE FUNDS WIRED. COMMITTING A CONSPIRACY TO DEFRAUD XXXX XXXX OF HIS FUNDS AND EXTRA CHARGES
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| 10/07/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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Complaint against Suntrust Bank. Suntrust Bank did not file the deed to take possession of property - XXXX XXXX XXXX, XXXX, GA XXXX - for 18 months after it was surrended to them via bankruptcy. Filing the foreclosure deed 18 months later has denied me the ability to refinance into a more favorable mortgage on my home. Suntrust chose NOT to file the deed to AVOID THE COSTS associated with ownership of the property. While I reorganized my life and put myself on a firm foundation, I am being penalized by Suntrust not following through on the court order to take possession of the property and file the deed in their name. Please look into this and advise if there is an avenue to remedy this situation. FHA in its loan approval guidelines goes off the deed transfer date and not the date of the bakruptcy discharge. Please call me if you have any questions.
XXXX XXXX ( XXXX ) XXXX ( XXXX XXXX XXXXThank you
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| 09/22/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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on X/XX/2017, i personally went into suntrust branch at XXXX, TN to open a business account with my ID, they told me i qualified for a promotion of {$200.00} bonus if deposit XXXX total within 30 days ( which i did, you can see from statement attached ), shortly after, i received my debit card and bank statement, without anyone notifying me or give me courtsey phone call or email, suntrust claimed fraud issue and closed my account, it caused me stress and inconvenience, not mentioning i wasted 1 hour at the branch epening the account. When i contacted suntrust for an explaination, they said they can not tell me reason but said decision is final. While i understand suntrust has the right to close my account, i do not appreciate the lacking of common courtsey calling me to let me know. This was my 1st time ever with suntrust, and poor customer service left a bad taste. I wont recommend them to anyone.
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| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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SunTrust Mortgage purchased our home loan from another financial company. Shortly after purchasing our loan they sent us a letter saying that they had no record of an insurance policy covering our home, and that if we did not contact them within 30 days they will purchase insurance for us at an a cost of {$1800.00}.
I have insurance, and have resolved the issue for my case, but I am reaching out to you because I believe that SunTrust 's actions are illegal. They can not ( or should not ) be allowed to spend their customers money without that customers explicit consent. This problem arose because of SunTrust 's poor record keeping. There is a real possibility that customers ending up being force to buy a second insurance policy because they did not notice or understand the issue. I hope that you will investigate their actions and ensure that no consumers were harmed because of SunTrust 's actions.
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| 05/29/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Funds not received from closed account
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Web |
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I opened my Savings Account with SunTrust Bank in XXXX in XX/XX/XXXX. SunTrust sent the XXXX form to me every year so that my husband and I could complete and return it. Around XXXX / XXXX XXXX XXXX had a protracted postal strike and our postal system all but collapsed. During that period we didn't receive these forms and I think this started our problems. We emailed SunTrust a letter instructing them to close our account and pay the money into our XXXX XXXX XXXX account.
SunTrust 's XXXX XXXX replied in an email on XX/XX/XXXX that our signatures didn't match the signatures on her records which is absolutely nonsense as they received our signed XXXX forms for at least 10 years.
On XX/XX/XXXX we received a notice that the account had been closed and the money transferred to some lost property account!! We need assistance in tracing where our money was transferred to and how to get hold of it.
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| 05/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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I have been trying since XX/XX/XXXX to obtain a loan modification. We were denied the first time ; however, my income further declined in XX/XX/XXXXso i submitted a new request XX/XX/XXXX and finally have rec 'd notice We have had to borrow money to make the mortgage payments in the shortfall months where no rents come in - we can not be delinquent, as that will impact our ability to get student loans for our children in/going to college. the only option they give us is a short sale which tax consequences are going to cost us upwards {$75000.00} - {$100000.00} I do not understand how there was a period of time where many folks just stopped paying their mortgage and could wash their hands of all the debt deficiency but we have tried desperately to be good stewards. The only thing that seems to be acceptable is to stop paying the mortgage so we can meet the " delinquency requirement '' what is it??
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| 01/24/2017 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
Servicemember |
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I have been fighting with suntrust mortgage since XX/XX/XXXX about a forclosure from XX/XX/XXXX. They continue to beat around the bush about removing the forclosures. I provided the emails from XXXX to XXXX from XX/XX/XXXX stating i was covered by SCRA the date of the email. i have currently been going back and forth with XXXX XXXX with her stating " HERA Act and SCRA '' SCRA from XX/XX/XXXX states a minimum of 9 months from XXXX XX/XX/XXXX giving me till atleast XX/XX/XXXX in coverage. I have the email that i provided them the orders. This SCRA should have covered me till XX/XX/XXXX and they stated they began forclosure process XX/XX/XXXX and i am not entitled to the {$3800.00} they unlawfully took from my payments for attorney fees. Along with this i provided them a statement from my bank showing a payment of {$910.00} that was never posted to my mortgage but they will not accept the statement.
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| 06/13/2015 |
Yes |
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- Application, originator, mortgage broker
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Web |
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SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.
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| 04/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
Servicemember |
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I'd like to know what is the total interest that I have outstanding on my loan. SunTrust will only send me an amortization schedule in .pdf form ... but they refuse to add up the total. The contact center rep and his supervisor indicated that the amortization schedule is generated by the " system '', and that there are no resources in this bank of 23,785 employees to do add it up for me.
This means that I ( and all other SunTrust mortgage holders ) will have to manually add up the schedule of 170 seperate payments ( 12x15 years ) for the total amount of interest I will pay on this loan.
I suspect, that the bank wants to hide the total interest that I owe on on this loan ; as this figure is probably quite high. That's unfair.
I would appreciate it if the CFPB would investigate SunTrust Banks , Inc. and encourage the back to be more transparent in providing loan information to its customers.
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| 07/25/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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I have filed three complaints on Suntrust closing my checking. They closed my checking illegally. I had refunds issued by companies to that account, including from XXXX. The bank has never sent me a check for it- they didnt deny the funds from the refund but have not sent to me. It's been 30+ days. The dates and amounts to my checking refunded from XXXX to the closed account by the bank- they never told me they were closing they just closed it, held funds, refused to give me money until there wasnt activity on account but never warned me to stop using it. Scam. But the refunds were never sent to me : XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX, XXXX on XX/XX/XXXX among other various active disputes for fraudulent charges to my account on both business and checking accounts. Suntrust never followed up, never issued me a refund and kept the refunds that were indeed issued to me.
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| 05/14/2016 |
Yes |
- Bank account or service
- Checking account
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Web |
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I deposited a check in the amount of {$5000.00} XXXX dollars to my US Suntrust account on XXXX XXXX 2016. The check is scheduled to clear by XXXX XXXX 2016 at most according to the banks fraud protection/funds verification section. This is fine. On XXXX XXXX 2016 Suntrust debited my {$1200.00} for the conversion rate and did NOT credit my account the {$5000.00}. in addition to debiting my account they charged me an overdraft fee of {$36.00} which was only an overdraft because of the {$1200.00} they debited without crediting the {$5000.00}. Supervisor XXXX at ph : XXXX stated that there is nothing she can do to credit the account the {$1200.00} until the {$5000.00} clears nor can she pre-clear the {$5000.00} to compensate for their debit and she does not understand why this happened. I have no liquid assets available, this is an atrocity and theft. Supervisor XXXX also stated that she can not
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| 01/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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i received a letter from my mortgage servicer stating that my " flood insurance had expired '' I have been with the same lender on the same property for over 5 years and NEVER had flood insurance, therefore it could n't have expired. I called them and told them their letter was in error. they responded that they will be putting a forced policy in place. they stated they sent me a letter of notice XX/XX/XXXX which I never received. I did receive a second and final notice on XX/XX/XXXX. I called them when I got it. they said the letter was in error, but that FEMA had notified them that I am in a flood zone. I called FEMA. they said " YOUR LENDER LIED TO YOU '' that they do n't notify lenders of such things.
they continue to tell me that they will put the force policy on me anyway. I have been lied to here, and their entire premise is based on a false statement that my flood insurance expired!
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| 09/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
Servicemember |
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Hello, On XX/XX/2018 I attempted to open a checking account at Suntrust bank at the XXXX location in XXXX XXXX, Maryland. There is an offer online where if you submit your email they will send you a promotional code for a bonus of {$500.00} dollars upon opening the account and receiving a direct deposit of {$2000.00} within 60 days as well as complete 10 debit cards purchases. I brought my code in to the branch and spent an hour with the bank manager setting up the account as well as submitting a {$100.00} opening deposit. Everything seemed well until the banker could not see the offer attached to the account after opening. She reached out to her headquarters where no explaination was given as to why it didnt work. She then closed my account and refunded my {$100.00}. I have tried to reach out via phone to suntrust customer service and they give no answer as to why I could not open account.
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| 04/19/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
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Web |
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I went in to The XXXX XXXX XXXX of Suntrust bank to cash XXXX checks issued by XXXX of their customers written to me.
I was greeted by XXXX XXXX and she informed me that they could only cash XXXX of the checks due to the amount of funds available in the branch. I understood and asked that she cash the smaller of the XXXX checks ( {$4200.00} ). I then asked if I could return on the next business day and cash the second check. Her response was " we do n't print the money here, you can come back and check '' ... I immediately flushed red and showed my discomfort at being so rudely spoken to. I then if she could arrange a date for me to return and have the check cashed, explaining I did n't want to make unnecessary trips if I could n't conduct my business and she replied " NO and there will be a XXXX dollar fee, because it 's a business check '' I left the branch, with neither check redeemed.
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| 01/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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Hello, I recently went to check my bank account for SunTrust and noticed XXXX dollars had been debited from XXXX. I assumed it was no big deal someone stole my information and used my card. I called the SunTrust Fraud Department to file a claim. Days later I received a notice saying the claim was denied. Id done business in the past with XXXX so I called them to see what was up. They debited my account for XXXX dollars due to old bills I assume would have gone to collections after I stopped using their XXXX service. XXXX was not authorized to make the debit from my account. When I complained to my bank about it and even showed them that XXXX even used an old card that I no longer had anymore SunTrust claimed due to it being a MasterCard all information is updated to merchants of past business. I told them it was fraud and they said well you have past business with XXXX so its not fraud.
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| 07/18/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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On XXXX - XXXX -2017 I agreed to pay SunTrust bank {$60.00} to wire {$6200.00} to XXXX XXXX in the XXXX XXXX for my wife to receive on XXXX - XXXX -2017. All the money never made it to XXXX XXXX . After my wife spent two days going to XXXX XXXX and making phone calls we found out that Sun trust bank sent my money to XXXX XXXX and XXXX XXXX sent the money to XXXX XXXX and XXXX XXXX charged a fee and took it from the {$6200.00}. This money were to be used to pay off a mortgage loan but, by the money being late and never showing up, it cause me to pay an extra {$220.00}. I have called the branch and sent emails. Also I have filed a complaint and called other departments as much as ten times but as of today no one has returned my phone calls explaining why XXXX XXXX were allowed to help themselves to my money without me knowing anything.
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| 07/27/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Can't close your account
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Web |
Older American, Servicemember |
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In XXXX 2017 I called Sun-Trust Bank of GA and requested that they close my account.
We finally worked out a balance of {$8.00} due XXXX/XXXX/2017 to close both checking and savings accounts. It was never done. Charges came into the account and we finally got a pay off balance of {$3.00} last week. I transferred {$25.00} from XXXX ( XXXX XXXX ), a wire transfer that was paid to Sun-Trust yesterday. Today I call and they tell me that I must talk with their transfer company at XXXX to verify my wire transfer tomorrow and then, maybe I can call Sun-Trust back, as they told me today that they need me on the phone to close the account.
I have had one story after another 3 or 4 times a week since XXXX 2017 to get these accounts closed.
Sun-Trust had done everything to delay this closing.
Please help me?
Sincerely, XXXX XXXX XXXX last 4 SS - XXXX Acct. XXXX Savings Act. XXXX Checking XXXX XXXX
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| 12/15/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
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- Loan modification,collection,foreclosure
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Web |
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my mother had an equity loan with suntrust bank which at the time me and my wife co sighed for with her payments we always being paid my mom passed away we continued to pay my wife was in a car wreck which put her out of work we owned another house that we sold split the money up to catch up on payments went to suntrust to make payment the teller refused it said they turned it over to collections they said it is now a mortage i tried to work with them for a loan modification after months they refused said even if i paid the rears to catch up they show no records where we co sighed also paymet would go from {$400.00} per month to {$1200.00} i had to send moms death certificate and show i was in charge of her estate i am on XXXX and this loan is not the first mortgage i am trying to keep my home and put both loans together seems like i can not find any help i really want to keep our home
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| 05/15/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Problem with fees charged
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Web |
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On XX/XX/19 my auto loan account ending in XXXX assessed a return check fee in the amount of {$30.00}. This was due to my personal checking account being compromised and having fraudulent activity and bouncing this payment. Please note the checking account is not with Suntrust only my auto loan. Shortly after receiving notification from this company I called on and spoke with a representative from this company and they advised they would waive the fees. After making my payment today on XX/XX/19 I noticed this was not done. I called and was transferred to 6 different people and repeated my story multiple times to which in the end was hung up on by the last representative. I called back and asked for the executive complaints department and was told there was no such department. I find this highly unlikely as I personally work for an auto loan company and know there is such a department.
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| 07/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
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Web |
Older American |
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This is an addendum to case number XXXX which was filed yesterday, XXXX/XXXX/2015.
We believe the Suntrust Mortgage Company has intentionally delayed our short sale process to allow our mortgage to reset. We had all paperwork in and had been approved for the short sale. Our mortgage resets XXXX XXXX, 2015, and increases from approximately {$1200.00} to {$2400.00} per month. We can not afford the {$1000.00} increase. The agent has acknowledge receiving all documents on time, and that someone in Suntrust " dropped the ball ''. They are requiring us to resubmit all documents because of their errors resulting in " Stale dated '' documents. These delaying practices seem ominously similar to the actions of XXXX which the CFPB and Federal Trade Comission which you took serious action against XX/XX/XXXX, fining them XXXX in restitution and XXXX in civil money penalt for it 's illegal action.
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| 05/23/2018 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Banking errors
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Web |
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On Sunday XX/XX/XXXX I went to the atm at suntrust in XXXX TN. I made a deposit at the atm that consisted of a {$100.00} check and {$1500.00} in cash. The machine froze up and ate my money and my card was stuck in the slot. So I pulled my card out with a pair of pliers and had to leave. Ive filed 2 claims now and went by the bank on Monday the next day XX/XX/XXXX. I was told Id get an email for temporay credit. Its now day 3 since the event and I still havent received one. So now on Wednesday XX/XX/XXXX I have just left the bank again after speaking with the branch manager. Once again he just made a phone call and I was told the same thing again its going to be 7-10 business days. Thats 2 weeks without the money I needed to pay some things with. This is total bank error and not my fault since the machine glitched on me. I need my money back as soon as possible I hope this will help.
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| 05/22/2018 |
Yes |
- Vehicle loan or lease
- Loan
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- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
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Web |
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Auto loan established with Suntrust bank. Made overpayment in XX/XX/XXXX of {$680.00} to be up-to-date on car payments. Advised per supervisor that remaing balance was approx. {$8000.00}. Car was repossed without knowledge XX/XX/XXXX. Vehicle was parked outfront of apartment building. Tow truck did not attempt to establish contact before taking vechile. Car was repossed by Suntrust Bank. XXXX XXXX ssi was purchased & auto loan established with Suntrust Bank back in XX/XX/XXXX. Made car payments up to XX/XX/XXXX to drop loan amount to approx {$8000.00}. Car was repossed as payment was 30days late yet contract states 60 days. Balance of {$8900.00} showing up in collections as increase on loan. However, never recevied 30day collection notice for late payment. No opportunity to make payment before vehicle was taken. This is fraud. Actions were taken by Suntrust Bank that are unjustified.
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| 08/14/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I opened an account with Suntrust bank in XX/XX/2018. After opening the account I had a business loan being transffered into that account. Suntrust put the wire transfer on hold claiming to be doing a fraudulent transaction verification, this was after the funds were being held for Funds Verification.
I have spent numerous weeks being bounced found one department to another within the bank itself and have been told numerous times that the funds would be made available within 24, 48, 72 hours and within a week and within 2 weeks.
I have verified with the lender that the funds were wired to the bank and that the bank is within possession of the funds, which was also confirmed by an Executive Care Associate.
At this point I feel as if the bank is just giving me a run around and is not going to release the funds and they refuse to give me additional information regarding the matter.
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| 03/02/2017 |
Yes |
- Bank account or service
- Other bank product/service
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- Account opening, closing, or management
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Web |
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I am a salesman for a local roofing and construction company out of XXXX Florida. We are also our own financial company. A customer of mine entered the suntrust bank on XXXX XXXX, in XXXX Florida to get a copy of their bank statement to show proof of income for our financing. The manager ( I did not get her name, but she is a XXXX woman in her XXXX ) refused to give them their statement, insinuated that we were a fraudulent company directly to me and my customers, then attempted to steal my deal by suggesting that they should n't finance with us, and to have her write the loan. I find this extremely unethical. Not only did she kill my deal, she did so to benifit herself. A lot of people depend on us to be able to do business unhindered by outside parties with ill intent. These jobs feed the families of our employees, and her actions have made it harder for us to accomplish that end.
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| 12/06/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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The collection department of Suntrust Bank Mortgage has contacted me over the telephone several times the past month, yesterday, and today XX/XX/2018 alleging that my mortgage payment is due and delinquent, when it is not. Their collector uses intimidating warning language and false facts ( ... this call is being recorded for debt collection puposes, your mortgage is due as of the first ... or someting like that ). They bought my loan recently, and as a result one of my payments went to the old mortgage company, which I guess put me on their bad list. I corrected the mistake as soon as I could, but they have blacklisted me and therefore the baseles, harassing and bulling calls started. The calls are harassing and demeaning ( one of their agents demeaned me by mocking my accent and pretending to speak mocking XXXX ). I tried requesting them on the telephone to stop, with no avail.
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| 03/15/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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I recently applied for credit and to my amazement, saw that you are still reporting me as being late -- even though in XX/XX/2016, a representative from Suntrust agreed I had never been late, said the fault was Suntrust 's, apologized, and assured me Suntrust would clear the errors with the credit bureaus.
Explanation : When I purchased my home, my loan payment was {$1200.00} then it adjusted to {$1700.00} in XX/XX/2016 without notice. I never received notice that it changed. I made my payment on time each and every month, but because of the amount Suntrust accepted the payment but did not credit the account, my payments were not properly recorded. Nobody said anything about a different payment in the branch. I visit the branch and make every payment. Then to further mess things up, Suntrust put one of my payments toward extra principle balance and reported me late on top of it!
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| 05/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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Web |
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buyer of our house had his loan not approved but we were not told about it until one week before settlement.Ourt contract was ratified on XX/XX/XXXX and Suntrust sent a pre-qualification letter for the buyer.Within 37 days after ratification, we were supposed to receive another written notification that the loan was going forward.We never received it but the loan officer told the realtors that all was fine and moving forward.We, in good faith, moved out, bought a new place in anticipation of the XX/XX/XXXX settlement date.One week before settlement we were contacted that there would be no settlement and the buyers loan had failed.We feel that there was a misconnect and transparentcy was missing in this transaction and loan process from Suntrust.The buyer received his deposit back because his loan failed.We are left with two houses, total upheaval of our lives and a lot of stress.
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| 08/19/2015 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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Suntrust Mortgage has been trying to collect unauthorized fees and charges they say are due on my mortgage account incurred during a personal bankruptcy. Suntrust refuses to return my calls, provide ANY documentation invoicing or accounting of mentioned fees in spite of request to do so by legal council. Suntrust states these charges were incurred during a personal bankruptcy. Charges authorized under this bankruptcy were authorized and paid in full ONLY by the bankruptcy trustee. Suntrust was duly notified by the bankruptcy trustee that ALL debts and charges were satisfied in full. This bankruptcy has been satisfied for over two years. Suntrust refuses to accept mortgage payments, provide ANY statements, documentation or legal correspondence regarding this issue in spite of demands to do so by legal counsel and myself. No one at Suntrust will take responsibility for this issue.
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| 05/09/2017 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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Acct XXXX says status closed. I had a dispute for the charges and they never resolve a dispute I had with XXXX XXXX I contacted them and resent the signed ACH dispute 10 times, they closed the account without reason, didnt give me the refund for the unauthorized charge of XXXX XXXX and did not credit the overdrafts fees. I should have received a refund for about {$100.00}. I want them to reverse this, close the account with good terms and issue a refund to me for the unauthorized charge of XXXX XXXX and the overdrafts. I already did a dispute with BBB, your rep XXXX from the presidents office phone number XXXX didnt do anything.The next step if they dont resolve this now, will be FTC and if not seek legal action for their incompetent actions that are causing hurt to my credit and banking history by reporting inaccurate information for not resolving unauthorized charges on time.
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| 07/22/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from XXXX XXXX through Sun trust INC. I used XXXX dollars of the XXXX loan to make purchases at XXXX XXXX. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX/SUNTRUST Inc has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.
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| 01/07/2020 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
Servicemember |
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I opened a business account with Suntrust in XXXX and made a cash deposit into the account. The next month of XXXX I deposited a check into the account and Suntrust then started the process of closing my account XX/XX/XXXX. The reasoning was not following rules and regulations. I have no idea what that means. I felt the company wasted my time. The representatives told me the account would be fully closed within 10 to 15 days. That frustrated me but I just waited. XXXX weeks has since went by and now the representatives tell me with this investigation Suntrust has no time frame on when they will return the money that was deposited into my account back to me.
Every time I call and reach out trying to find out any information on whats going on with my funds I receive different information and no one can help me. A supervisor told me there is nothing else I can do but just wait.
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| 10/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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We were victims of identity theft where someone opened a fraudulent credit card consumers account with XXXX XXXX and charged other peoples credit cards under our business then had those funds routed through a bank account at Sun Trust Bank with our name on it. We have already been released from liability from XXXX XXXX who issued the consumer credit card reader but Sun Trust Bank is still sending us collection letters. We have spoken to them many times over the past 3 months and each time the Fraud Department says they will get back to us and then they don't and still we are getting threatening letters saying they will turn us over to collections if the balance isn't paid. We sent them a certified letter on XX/XX/XXXX that we printed from the IdentityTheft.org website along with all supporting documents of the crime, including the local police department 's incident report.
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| 02/25/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Weve had this loan ( refinanced a couple years ago and the loan was sold to suntrust ) and hadnt had any issues until we signed up for bi-weekly payments. Since signing up the bank has had a hard time applying to money they take from our checking account ( we have automatic withdrawal ) to the mortgage. Twice they took the money and kept it in a holding account and then sent us a letter saying we were going to be late. We got that figured out twice. Then now I check the mortgage and the loan amount has gone up by {$1000.00}. Loans are suppose to go down. Well we had {$4000.00} in a holding account but their app was telling me that the payments were being applied. So now they have our money and are charging us interest on a loan theyre not paying. That is theft in my opinion. Weve had no-weekly payments set up since XXXX and have yet to have they payments applied correctly
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| 10/29/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
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Web |
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i have increase my credit score by 30 points also have been waiting several months for 5 inquiry to go off my credit score that did go off in XXXX after this started to get emails from XXXX and letters in mail from them saying pre approve for loan so i taught was in good shape so i apply got pre approve so submitted rest my info then got denied so this added another inquiry on credit i never would have apply if they made me think i would get approve by sending me email and letter right after my hard work getti g score up and waiting for inquires to go off just to turn around get one put right back on and score drop down few points again.. I would like for them to take the inquiry back off. if you dont have them do it i caint cause they will just say i apply which is true but not untill they started sending me emails and letters after i work to get score up and inquiry off
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| 03/31/2015 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I filed a fraud complaint after discovering that my daughter had been skimming money out of my bank accounts,XXXX. The bank, Suntrust, after issuing new debit cards, said I was good to go. They had also promissed to return any fees incured. After returning 72 $ of XXXX {$.00} They closed my accounts, without informing me. I am a XXXX veteran living on social security. XXXX is delivered on the XXXX of each monty.The provisional credits were finalizes. It will take me a month to get it back. They are denying me the money that is left in my accountssaying I have to wait 14 business days to get it back. I have no food. My daughter and grandaughter are dependant on me and I dont have enough for her diapers. They also are not returning the other 72 $ of fees XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Ga XXXX. Suntrust account # XXXX will be needing food bank help by the weekend.
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| 08/19/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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On XXXX/XXXX/2016, I submitted a dispute with Suntrust Bank in the amount of {$33.00}. The dispute was against an authorized payment to XXXX and for signing up for website services. On approximately XXXX/XXXX/2016, my business website was abruptly shut down and taken offline by XXXX. I never received any prior notice or warning that my website would be deactivated and this occurred after I had made a monthly recurring payment of {$9.00} and the initial set up fee of {$33.00}. XXXX breached the terms of the agreement between itself and I in shutting down my website. My business suffered as a result of my website shutting down. Therefore, I filed a dispute with Suntrust Bank for the return of my money.
Suntrust Bank has neither taken any action on my dispute nor provided feedback to me. It has been more than 90 days and I have no idea what the status of this dispute is.
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| 04/17/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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|
Web |
Servicemember |
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Suntrust closed my bank account. I only found out after I tried to activate a debit card. I spoke with 3 representatives over the phone, and one via their chat option. I was simply told that the account was closed due to suspicion of fraud.
I applied and opened the account on WednesdayXX/XX/XXXX at XXXX XXXX.
I called 2 days later to confirm that by opening deposit had made it to the account, but was told not yet.
I called again on Monday the XX/XX/XXXX and was told the funds did reach the account.
I received the debit card in the mail on Tuesday the XX/XX/XXXX.
When I called to activate the debit card, I was told the account was closed due to suspected fraud.
At no time did anyone try to reach me via phone or email to warn me that the account was compromised or under review for suspicion of fraud.
The account is closed and I do not have access to my money.
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| 06/14/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
Older American, Servicemember |
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On XX/XX/2019 I opened a SunTrust Advantage Checking Account. I was solicited to open this account thru the Mail with an enticement of a cash bonus for the opening of the account. ( enclosed a copy of their ad ) I went to a local branch and met XXXX XXXX, Personal Banker at the XXXX XXXX, Florida Branch. I made an opening deposit of {$27000.00} ( receipt enclosed ) which qualified Me for a {$500.00} bonus Payable within 90days after opening. I switched My Veterans XXXX payment ( copy of letter enclosed, also Bank statements showing deposits made ) to meet the Direct Deposit requirement, I got their Debit card and made 13 plus Transactions to fulfill the Debit card Purchase Requirement of 10within 60 days, and I maintained a Balance in excess of {$26000.00} to meet the Minimum Balance for over 90 days. I have fulfilled My end of this Contract and now I want my Money?
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| 11/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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This is a complaint against SUNTRUST XXXX. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were
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| 07/29/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
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- Other transaction problem
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Web |
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This is related to CFPB case XXXX. On XX/XX/2018 I approved a wire in the amount of {$8000.00} USD to be transferred to an individual in XXXX. The funds were supposed to be available to the individual in XXXX no later than XX/XX/2018. That did not happen. On XX/XX/2018 I requested a return of funds. CFPB case XXXX related to the delay in receiving funds. My account now shows that I received {$7500.00} for the wire transfer. This means that I have lost {$480.00} for a transaction in which SunTrust didn't fulfill its end of the deal ( i.e., the funds were not transferred to XXXX by XX/XX/2018 ). In addition, the transaction cost me {$50.00} in fees. While SunTrust responded to the last CFPB case, they did not provide me the telephone number of email of the employee ( i.e., XXXX XXXX ) who responded to my complaint. This type of client service is entirely inadequate.
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| 08/02/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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- Other transaction problem
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|
Web |
Servicemember |
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On XX/XX/2018, I sent a test run for transferring money ( {$1.00} ) from Suntrust checking acct. to XXXX XXXX, which I have a checking acct., the fund arrived ( {$1.00} ) the next day.
On XX/XX/XXXX, transferred {$1100.00} the same way .... as of this day it has not arrived at XXXX acct..and it has not shown up in my Suntrust acct.
I have visit Suntrust each day asking to have it checked out, which they have, we have no results from the transfer Co. ( Fiserv ) that does the electronic transfer of funds for Suntrust.
On XX/XX/XXXX .... I decided to run some more tests .... I transfer {$1.00}, XX/XX/XXXX transfer another {$1.00} and XX/XX/XXXX transfer {$1.00}.
All of these transfer was successful in getting to XXXX checking acct.
I have asked Suntrust to give me a provisional credit to my checking acct. which they have refused to do, HELP Thanks XXXX XXXX
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| 06/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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this company is beiing file against SunTrust Line of credit. account XXXX. This is i as a line of credit that they close because after eight year never missed payment unite my father dead and we went through some hardship. SunTrust employee just harassments me for XXXX on the account call my home three to four time a week. there representative need to train they close my account with out being 30 day late. they sent the statement for the XX/XX/XXXX bill and the billing cycle is 31 day. I ask them not to call my house any more. and they said just pay the XXXX and we will stop call. this is nothing more then harassment for XXXX. never being late or missed any payment. the representative told me that my line has a10 grace time before it come pass due. this is what there me respresentative. went dose the hardship come in after loss a family member and upstanding
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| 09/10/2016 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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XX/XX/2016, I filed a dispute for a charge against my checking account. This dispute was against XXXX. I filed the dispute because XXXX which offers website design and hosting service, removed my website from the Internet and did so without giving me prior notice or an explanation. I pre-paid {$33.00} for the service to be used for my business and as a result of my website being down for two weeks, suffered serious losses. My clients, sponsors and donors rely on my website for information, resources, etc and no business was able to be conducted during the time frame that my website was down. As of today, I have no idea why my website was taken down. I have asked Suntrust Bank to issue a refund for a service which I did not receive in accordance with the terms and conditions provided by XXXX.
It has been 90 days and no action has been taken on this dispute.
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| 08/06/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Older American |
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In XX/XX/XXXX, I called The SunTrust Mortgage Escalation Resolution Team. The person who answered the phone said she could take my request verbally. I told her I was requesting a copy of all the information re my mortgage # XXXX, that they sumitted to the Hamp Administrator and the National Settlement Administrator. The person, whose name I have, said she would take care of this. It has been over 30 days and I have heard nothing. I called yesterday, and the person who answered the phone, said I have to submit my request in writing. A month wasted!!!! I have requested info by phone.in the past and have received a response. The desired resolution, is that I receive a complete copy of any information given to the Hamp Administrator, and the National Settlement Administrator, regarding the subject mortgage # XXXX ASAP. It is my right to see everything sumitted.
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| 05/13/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Incorrect information on your report
- Account status incorrect
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Web |
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I made a payment on XX/XX/2019 for my XXXX monthly payment in the amount of {$720.00}. The company has changed their online system and the system submitted 2 payments instead of one in the amount of {$1500.00}. I called Suntrust to make sure they didn't run a double payment and they said they couldn't cancel the payment as it was already in processing. When they tried to withdraw the double payment from my bank, the payment wouldn't go through because of the double payment. I reported this to Suntrust to get them to fix but she said it would keep running the double payment. I called Suntrust on XX/XX/XXXX to fix again and they were then able to run just the single payment for {$720.00}, but at that point, my payment was considered late even though I made the online payment on time. This error on their end has reported to my credit report as a late payment.
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| 09/11/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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I closed a Suntrust Business ( Control account ) due to the following issues.
I could never access my account online and I could never keep up with the balances and payments due to waiting til my statement closed to get a bill in the mail.
There was no way to call to get a balance because it was not accurate, the online info always had an inaccurate balance reflected.
I paid the account off in XXXX for {$7300.00} and closed the account effective immediately.
I later received a statement with a credit balance of approximately {$80.00}.
I called SunTrust to get a check sent effective immediately, they told me it would take 60 to 90 days to issue a check.
This is unacceptable, because the reverse of this would not allow me to make a pymt 60 to 90 days late.
I want my money that was sent.
Why does this take so long to give me my money that I over paid.
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| 09/19/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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On Friday, XX/XX/2019, my primary checking account reflected a balance of {$1100.00}. Over the weekend I spent money. Some transactions, were items I did not even authorize. XXXX XXXX XXXX XXXX XXXX already made the credit for 4 items today. On Monday, at XXXX my balance was {$690.00} and XXXX XXXX took out XXXX for an order. They were suppose to wait until Tuesday at XXXX. Ive explained to Suntrust, that there was 9 transitions and 9 fees. I begged the branch manager, corporate office and local business banker to assist me. I bring in XXXX a month to this bank and no one would help me. The money that came in, was to order carpet for a Friday installation. I want to continue business with Suntrust but not with a bank that doesnt want to work with me. I would never use my card purposely without funds on it. Now, I could face a backcharge from the customer.
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| 11/22/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
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Web |
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SunTrust bank caused overdraft fees by not doing the correct fraud investigation into my checking account. On XXXX $ XXXX $ XXXX {$550.00} funds drafted from my checking account. The bank closed my debit card due to fraud and refunded the first two charges. The last charge they denied via letter and I was requested to contact the vendor for the funds. I appealed and requested information about the vendor specific contact info. They refused to give me the information, although it was the same vendor for the 3 claims. I requested the head of the department phone call ... never received a call from the fraud unit. The bank has refused to reimburse me the NSF fees collected by the deduction from my account. They claimed the 3rd claimed denied because they had other claims for the same vendor. Lack of customer service and investigation and overcharge in fees.
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| 03/04/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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My bank has been changing the order transactions come in so that they are able to charge additional overdraft fees. I have a branch manager that has been helping me to credit each time but this is now the XXXX overdraft fee they attempted to charge. A recent example is I had my direct deposit go through this morning and the rent check that was deposited yesterday after business showed that it came in before the direct deposit and a {$36.00} fee was charged.
I do n't keep a lot of funds in this checking account as there is no interest for having it there. Therefore ; I monitored my accounts daily and as of XXXX yesterday ; they account had {$300.00} available. The next morning I looked and noticed they jumped the rent check XXXX-XXXX transactions down along with the overdraft fee. This has been happening a lot more recently and needs to be investigated.
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| 11/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
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Web |
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I received notification from SunTrust bank that six accounts were opened. I called along With my representative from XXXX that the accounts were fraudulent, not opened byme. Supposedly it was all taken care of but today I received temporary checks on four of the accounts that I did not open and I called SunTrustbank and they said it was on a freeze but still being investigated. This has been going on over two weeks and there should not be any reason why this is not resolved and that I am notified. They were absolutely no help today in resolving and putting a stop to this identity theft. This is not the first time this has happened to me because of my documents being stolen and I need confirmation of it being taken care of. I have to be diligent on these occurrences and need the bank to cooperate. Regards, XXXX XXXX The case # SunTrust gave me is # XXXX
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| 06/06/2016 |
Yes |
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
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|
Web |
Servicemember |
|
I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.
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| 12/07/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/XXXX my checking account had {$16.00}. A purchase made for {$4.00} was made on XX/XX/XXXX, but is still pending in my account on XX/XX/XXXX. A check cleared the bank on XX/XX/XXXX for {$15.00} leaving XXXX in the checking account. However, a they charged me a overdraft fee of {$36.00} for the check. They are charging me a {$36.00} overdraft fee for a difference of {$3.00}, and the {$4.00} purchase is still pending. I made a deposit on XX/XX/XXXX that would more than cover the {$4.00} purchase that is still pending in my account. I feel this bank is violating the legal standards placed on overdrafts. As they are including pending purchases that have not cleared as well as charging fees on purchases under {$5.00}, by trying to cheat the rules put in place by the federal government. This bank is violating standards set by the federal government.
|
| 06/01/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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I had a dispute it was resolv ed Suntrust sent m e a letter to that and asked if I wanted the paperwork they have used so I could look at it. That wa s 2 weeks ago and I have called 10 times ( XXXX XXXX XXXX ) I h ave been lied to, hung up on and been treated terribly I am ready to go postal on these people they do n't give a XXXX about anybody, They need to be put down. My local offi ce ( XXXX FL ) was useless..The lady I talked with to day told me they had to request the paperwork. Now another 7 days I have to wait. Another problem I think happened they stalled me since XXXX XXXX to resolve this. and they did n't post it on my online account. lies and corruption from this bank and it needs to stop. You can only call XXXX number and the customer service XXXX . They no nothing even If they XXXX XXXX . XXXX XXXX
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| 04/26/2016 |
Yes |
- Debt collection
- Credit card
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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A foreclosure action has been filed in Florida against my property by XXXX, whose trustee is XXXX XXXX XXXX XXXX, XXXX, not in its individual capacity but solely as trustee.
The Delaware Secretary of State has issued a certificate of " NO RECORD '' for XXXX. The Delaware XXXX Title XXXX Chapter XXXX requires a certificate of trust to be filed with the Delaware Division of Corporations. In SEC filings XXXX XXXX I Trust is listed as a trust subsidiary with formation in Delaware yet there is " NO RECORD '' of this trust in Delaware. Furthermore, there is no record of authorization to conduct business for XXXX XXXX XXXX in Florida.
We demand evidence that that XXXX XXXX XXXX XXXX is a legal entity, along with evidence of its authority to conduct business in Florida.
Barring such evidence, we demand that XXXX XXXX XXXX XXXX XXXX cease all legal action.
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| 03/20/2019 |
Yes |
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I called on XX/XX/20 to combine my 2 mortgages and they wont and say they cant because my house is worth less than what I owe and Ive told them so many times because its not the first time Ive called for this issue I have called many times over the years I have well going on 12 years living here in this property and not planning to move anytime soon and Ive called them that the reason I owe my house more then whats its worth is cause my interests was so sly high for so many years and i havent been able to put a gap on my loan i have with them I bought my house almost 12 years ago for {$130000.00} and till this day almost 12 years later i still owe {$100000.00} and yet I call them and ask them about it and they dont see a problem and if they cant fix it and cant do anything about it or atleast trying to help me in any kind of way they can or should
|
| 06/25/2016 |
Yes |
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- Loan servicing, payments, escrow account
|
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Web |
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Our mortgage loan with SunTrust was barely 2 months late when the bank representative did not respond to an email I sent with the funds at least 8 hours before the cutoff notice. I still have a record of that email and the communications I had with the SunTrust mortgage bank representative. The end result was that SunTrust then forced us to complete a modification with their own Wholly owned subsidiary XXXX XXXX XXXX bank which forced us into more fees added to our mortgage outstanding loan and a longer time to process it. This scenario set the stage for at least XXXX other modifications later that has now resulted in a house that is under water and a balance that is inaccurate. The original loan amount was {$210000.00} in XXXX and at that time we made a down payment of {$13000.00} As of XXXX we are told that the balance owed is still {$210000.00}
|
| 05/22/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Getting a loan
- Can't qualify for a loan
|
|
Web |
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My wife holds a conditional XXXX. She applied for a loan with Sun Trust for part of her educational costs, and I agreed to co-sign the loan. Sun Trust indicated in its eligibility requirements that permanent residents were eligible to apply for a loan. We received initial acceptance of our application and began the process of supplying all required documents. At the end of the process, Sun Trust rejected our application saying that they would not provide a loan to a conditional XXXX holder. This requirement is not stated in their eligibility requirements. If it had been, we would n't have applied to them. As a result, we wasted a good deal of time and effort in fulfilling their documentation requirements, and I may have suffered adverse consequences to my credit report because of their credit inquiry and ultimate rejection of our loan application.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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On XXXX XXXX my SunTrust account was hit for {$140.00} in NSF charges and another {$72.00} in NSF charges on XXXX XXXX. These charges where for transactions conducted on XXXX XXXX and XXXX XXXX. However, XXXX drafts came in on XXXX XXXX XXXX, that were paid prior to the transactions that were conducted on the previous Friday and Saturday. At the time the transactions from Friday and Saturday were made, the funds were available. If processed based on the time stamps of the debit card transactions, I would have been only charged {$72.00} and not the {$210.00} that I was hit with. I know transactions pend over the weekend and SunTrust pays largest to smallest, but this unethical and it is purposefully setup to maximize fees and hurts the consumer in almost all cases, whether intended or not. These unethical practices must stop.
Sincerely, XXXX XXXX
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| 03/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
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SunTrust Bank ruined my credit by reporting me to a nationwide credit agency falsely stating that I was Transacting ( or attempting ) to transact ) with an account in an unauthorized or prohibited manner. SunTrust took a verbal statement from my disgruntle ex-husband as a fact and reported me to the credit agency without verifying or giving me the opportunity to defend the allegation. After 6 letters I have sent to SunTrust Bank they can not explain logically why SunTrust did it but they did it but they refuse to remove the false statement from my credit records. This has caused that I can't get any credit with any agency as well as any bank. My Checking and Savings accounts were closed due to SunTrust Bank actions. SunTrust has clearly committed defamation against my name and therefore against my credit which caused me tremendous financial harm.
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| 11/18/2019 |
Yes |
|
- Trouble during payment process
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|
Web |
Servicemember |
|
I purchased my current home in 2014. My bank sold the servicing of my mortgage to Suntrust Bank. Up until approximately 6 months ago, we've had no issues with Suntrust. Then, approximately 6 months ago, Suntrust " informed '' us that our escrow amount would be going up based on their internal assessment. They are requesting an additional {$200.00} per month on top of my existing principle, tax and insurance payment. I've discussed this increase with my insurance company and our local assessor 's office and there have been no changes that warrant {$200.00} per month. In fact, in years past we've received refunds for overages in escrow account. I've called Suntrust of several occasions attempting to resolve this issue, but have been told that the increase was " calculated '' by their escrow team and that there was nothing anyone could do about it.
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| 12/20/2016 |
Yes |
|
- Loan servicing, payments, escrow account
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|
Web |
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Creating a new complaint to respond to the response Suntrust had provided to our earlier complaint - apparently CFPB process does not allow follow-up to a vendor response. Here is our response : First, please provide documentation as to bill amount that Suntrust knew when it made the payment on XX/XX/XXXX. When I had contacted Suntrust earlier they had told me that they electronically verify the amount with county before making payment and that they will provide me such document. Second, even after contacting Suntrust on XX/XX/XXXX, bill was not paid in time while interest kept accumulating - as of last check this interest was {$440.00} as opposed to {$290.00} when I had contacted Suntrust. It is unacceptable the time Suntrust took to pay the bill and we should not be responsible for or penalized if Suntrust can not make its processes efficient.
|
| 01/01/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
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Bank transferred from my account to overseas without my knowledge Bank called me the time it happened and I spoke with them and disputed this transfer and they promised me that no money will be transferred and they put the whole amount on hold.
I discovered after one week they transferred the amount and when I called them they opened an investigation case with a promise that I will got my money back After one month they closed the case and denied without even telling me why or in what base they closed it.
Now they want me to write to them again, which I did.
I am running after this problem from last XXXX without solving it which cost me lot of money going and spending time in different suntrust bank. Also disturbed my son who is XXXX XXXX to pay his rental apartment which I borrowed money to pay Iam XXXX years old and living in tied budget
|
| 05/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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|
Web |
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I had my identity stolen in XX/XX/XXXX. The thieves opened 2 credit line accounts with SunTrust bank. I found out in XX/XX/XXXX. Had a police report made and notified the the 3 Credit Bureaus. All of them is such a difficult thing to get help. almost impossible. The websites aren't clear as to what to do. The numbers they provide are not right, as they are automated and no way to speak to a person. In special with XXXX, I filed a dispute, notified them of the identity theft back in XX/XX/XXXX, printed a report with the information and as of today, XX/XX/XXXX my credit is still showing the derogatory information.
It is absurd what a person has to go through after being victimized by thieves. Something needs to be done about these companies. XXXX XXXX is the same thing. I notified the 3 of the fraud, yet, I had to spend the day talking to them.
|
| 03/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
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I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust.
|
| 07/05/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
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Before making a transaction I checked my online account access to ensure that there were no pending charges and that they previous transactions had posted which it showed online that they did. When I checked back the next day several fees had been charged saying the account was overdrafted when it was not. I called the bank and even walked them through what their own system shows me on my online account access and they still have refused to credit me the funds back. When you take away the fees they charged the account would be in positive but the bank says " well how we account for things it was overdrafted '' even when the statement provided to me online contradicts what they say. SunTrust is the only bank I have ever had an issue with and am in the process of closing my account and moving to my other bank. They have done this several times.
|
| 03/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I submitted a short sale package to Suntrust bank on XXXX XXXX, 2016. I have complied with all their requests in a timely manner to submit supporting documentation as of XXXX XXXX, XXXX, Suntrust continues to request a seller disclosure form which has been provided on XXXX XXXX, XXXX XXXX, and XXXX XXXX. Each time i call they say that it is incorrect or missing data. I email it to a representative they review and confirm it is correct and that it will be forwarded to imaging department. I call again, and go through the same process and have lost almost a month and file has not been sent to negotiation and have a lost a month in this process because of their incompetence. This file is in foreclosure status w/o a sale date, the buyer is approved, and will most likely lose him because of suntrust delay in properly reviewing document submissions.
|
| 07/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
Older American |
|
The mortgage company sent us a letter of approval for a conditional short sale, then dropped the ball and wanted us to resubmit all paperwork. All documentation was presented in a timely fashion well before any deadlines. The mortgage agent told our sales agent that someone in the company had dropped the ball because of the XXXX of XXXX holiday, yet I received a denial letter stating the conditions of the sale were not met. The price offered was too little, yet was equal to the counter offer the mortgage company had demanded. My sales agent was shocked when I sent her a copy of the denial letter because it had the mortgage agent signature on it, not some other department. After many calls and emails the agent and her supervisor have not responded. All calls are suposed to be recorded, and we have documentation of all emails sent and received.
|
| 05/09/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
They mailed us a letter saying we were delinquent and gave us options to avoid Foreclosure, but we have made every payment, and they concurred we were up to date on our payments, and we asked for a letter stating that we should never have received a delinquent letter due to their mistake. The first person basically told my wife when she first called that we would n't have got that letter if we made our payments and then they told my wife that they do not normally send letters but would see what they could do. I have been trying to speak to an upper level manager and so far I have been unsuccessful. I just want to speak with somebody above a front line supervisor who can make decisions and so far they have n't allowed me to. This was a very aggressive letter, especially when you get it on Saturday evening and you have no immediate recourse.
|
| 03/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Victim 's debit card was used to fraudulently withdraw {$27000.00} from my Checking and Money Market accounts with SunTrust.
On XX/XX/XXXX, Victim filed an online report of fraud ( Claim XXXX ) with SunTrust 's Fraud Department On or about XX/XX/XXXX, Victim filed a report with XXXX Police ( Case # XXXX. Note : On page XXXX of said report, the alleged offender acknowledged his guilt.
On/about XX/XX/XXXX, Victim prepared and filed FTC complaint XXXX.
On/about XX/XX/XXXX, Victim filed a 2nd compliant with XXXX Police Department ( Case # XXXX ), XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On XX/XX/XXXX, Victim filed a report with XXXX XXXX Police Department ( Case # XXXX, XXXX XXXX Police Department, XXXX, GA XXXX, Phone : ( XXXX ) XXXX On/about XX/XX/XXXX, Victim filed a FBI Internet Crime Complaint Center ( ICXXXX ) # XXXX
|
| 12/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
In XX/XX/2018 I filled out form in order to open an account at Suntrust Bank considering I was about to start work and needed an account to receive my wage.
As per the teller information, my account was opened. They gave me my bank details and copies of documents related to the account opening. I also made a {$100.00} deposit.
When I started working on XX/XX/2018 I gave my Suntrust Details for my employer for Direct Deposits purpose.
In the other hand, my debit card never arrived. I got in touch with the Bank on the first week of XX/XX/XXXX and was informed that my account had been closed. Ive never received any explanation about that.
For my Surprise, for the time being my deposit was not returned.
Suntrust cancelled my account and never returned my money.
I would like to file a complaint to get my case solved and my money returned.
|
| 10/06/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
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I previously requested Suntrust to establish overdraft protection on my account when I received an overdraft fee in XX/XX/XXXX. They advised that it would be established. In XX/XX/XXXX I requested then received another overdraft fee of {$36.00} and they advised that the overdraft protection was not established as advised by the previous representative and they would confirm it corrected and waive the fee, the conversation occurred on XX/XX/XXXX. XX/XX/XXXX a transaction went through and there was n't enough funds to correct the transaction I was charged the fee and requested the fee to be waive and was advised that due to the fee they fixed in XX/XX/XXXX they were not able to adjust an additional fees on the account. Escalated to a supervisor who was unwilling to help or support on XX/XX/XXXX Requested to escalate further and she declined.
|
| 08/13/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is the XXXX time in XXXX years that Suntrust Mortgage has grossly mismanaged my escrow account. They continue to say I have an 'overage ' in my escrow and mail me a refund check but then immediately raise my mortgage payment saying there is an 'underage ' for the year.
So I 've made a lump sum payment to Suntrust to cover the 'underage ' and now I 'm being told they ca n't accept that payment because the escrow needs to come from current payments and not a lump sum. So once again I have an 'overage ' in my escrow account for the lump sum payment I made at the advise of a 'mortgage specialist '.
This continues to happen once a year with this company and then when I call and speak with 'mortgage specialist ' they provide information to correct the issue which always turns out to be incorrect once I escalate to speak with a manager.
|
| 11/26/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
On XX/XX/XXXX I rec 'd a letter from XXXX XXXX Assistant VP of SunTrust Bank, where she lied once again about my XXXX score on XX/XX/XXXX. The score verified by XXXX was XXXX on that date, yet XXXX continues to lie and say it was XXXX. She blames a screenshot I provided supposedly from XXXX XXXX. I am asking XXXX XXXX to provide ALL documentation that SunTrust rec 'd on XX/XX/XXXX with the credit score she is currently still LYING about to me and to the CFPB.
Furthermore I do hope the CFPB can see this continued lying and lack of disclosure XXXX XXXX is using in an effort to pass this off. She is lying, Suntrust has lied and has tarnished my Credit Score into something it is not.
I am asking XXXX XXXX to submit the XXXX report to me as she stated with a date of XX/XX/XXXX showing my score was XXXX as she stated, or admit she has lied.
|
| 12/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees.
|
| 06/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
regarding a bussines acount with suntrust bank. i deposited a check on XXXX, and funds were credited to my account. middle of XX/XX/XXXX, my deposit was reversed. the amount for my deposit was deducted from my account along with fees. there after i started to recieve letters stating that i was being charged with forgory and bank fraud resulting from the deposit i had made on XXXX, and are asking for the funds to cover the reversed deposit again. they included a phone # to call to dispute their claim. i called the # several time, and i was informed that no one in the fraud department could talk to me. they closed my account, and charged me for the returned check deposit again along with fees. i now can not open a bank account resulting from this. i have been at my branch several times and spent several hrs and can not get a resolution.
|
| 01/29/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2019, an unauthorized purchase was made using my joint checking SunTrust Checking Debit Card account with on XXXX. An XXXX Laptop was purchased in the amount of {$1600.00}. Subsequently, my rent bounced in my account due to insufficient funds resulting from this purchase. I have appealed to both XXXX and SunTrust concerning this purchase. I am unable to get any details concerning where the item was shipped or who received the item, although XXXX did indicate that an unauthorized party used the card. I have filed a police report in XXXX County ( XXXX XXXX ), and the XXXX account has been closed.
I spoke with SunTrust Fraud Assistance Center concerning this matter and my claim was denied. I am not in possession of this laptop and need the amount fraudulent taken from my account returned to pay my rent and support my family.
|
| 02/13/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I called a representative from the bank requesting a payment date on my loan to make sure it did not go over 30 days late. I stated that myself, my wife and our children has all had the XXXX at the same time and I want to make sure nothing gets overlooked and turned in on my credit for being over 30 days late. The representative gives me a due date and I make the payment on that date. While making the payment I was informed that I was over 30 days late and they will be notifying the credit bureau. They reviewed the information stated on the phone recording and still turned me in late knowing I was given wrong information. I stated that Im in the middle of a construction loan and your bank gave me the wrong information, so Id like it to be fixed. He then stated I could have the bank presidents address and I could take it up with him.
|
| 12/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I took a general payment from my TSP federal, and added it to a new Suntrust checking account est. {$13000.00}. I spent money on XXXX and online for my start up, I had my checking account and debit card number compromised repeatedly. I tried time after time to work it with Suntrust but all I could get was a temp credit which was quickly taken back, then they just completely closed my account. I've call and all I get is ppl saying my account is closed, I try to login online and my login no longer works for the past 4 months.
I lost {$4200.00} of my TSP deposit, and they won't even tell me why, how, or when they decided to just close my account with funds still in the account. I received an email about my account being forced close and to login to see a notice. Like I stayed above, they blocked my login into my account completely.
|
| 05/11/2016 |
Yes |
|
|
|
Web |
|
|
I had a credit card with Suntrust that went into collections in XXXX. In XXXX, they issued XXXX cancellation of debt tax form, stating that this debt had been forgiven. That year, I had to include that balace in my taxes. Despite this, Suntrust continues to report that I owe then {$9400.00} on my credit report. I have disputed it multiple times, but they continue to tell the credit bureaus that I owe them this money. I have also contacted Suntrust about resolving this balance, but their representatives tell me that they can not accept payment because they issued a XXXX. It is unfair for Suntrust to continue to report this balance on my credit report, while simultaneously refusing to accept payment from me to resolve it. I am attaching a copy of the XXXX, and a snap shot of how this account appears on my credit report as of today.
|
| 11/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
My wife made a reservation at XXXX XXXXXXXX XXXX in XXXX TN for XX/XX/XXXX-XX/XX/XXXX and prepaid with her SunTrust debit card. Upon their arrival they experienced an ongoing family party with excessive alcohol use. My son was attending XXXX XXXX for the week and the ongoing noise was significantly disruptive. They were also concerned for their safety and security as there was no lock on their door. After two days they moved out to the XXXX XXXX and requested the balance of the prepayment ( {$810.00} of the {$1200.00} paid. The owner said she " would talk to her husband '' but ultimately refused to refund the difference. There was no contract or disclosure at any time. We asked SuntTrust to obtain our refund but they said the merchant refused to pay. I think we should be given a full refund but will accept the unused portion.
|
| 12/25/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
Servicemember |
|
Suntrust Bank is avoiding completing the short sale process. We were clear to close in XXXX 2015, when the bank " just '' noticed names had changed due to marriage & divorce ( this should have been caught up front, I provided a marriage certificate in XXXX 2015 when this process was started ). In XXXX 2015, we were needing an updated approval letter from Suntrust to bring this short sale to a close. Suntrust representative XXXX XXXX replied that the short sale expired XXXX XXXX, 2015 and we were outside of contract. Now the bank is not responding to the short sale coordination team. We have been working with the bank for a year now with no resolution. The short sale coordinator has well documented notes of all communications with Suntrust ( and XXXX as the XXXX involved ).
The resolution desired is to complete the short sale.
|
| 09/19/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Suntrust allowed a person to complete loan documents and sign a second mortgage against my property and remove {$300000.00} without my consent, knowledge or any authorization to do so. This person along with Suntrust attempted to cover up this deal by attempted to transfer my property solely into the name of the person who signed the loan/mortgage. The mortgage is in the persons name and the Deed is solely in my name. Suntrust refuses to release the loan documents to me after repeated attempts because the loan transaction was complete before the person attempted to transfer the property into his name. The Loan documents were not signed by the deeded owner. They also refuse to release the notes or conversations relating to the business regarding my home. Because I NEVER spoke with them nor solicited their business at any point.
|
| 12/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We purchased a property XX/XX/XXXX in XXXX, NC. Our mortgage was sold to SunTrust Mortgage. They accepted our flood insurance last year but this year for the renewal they will not pay the premiums out of our escrow. They stated that the insurance is not backed by National Flood Program. Our property is in a XXXX Resource Area and federal flood insurance is not available. We have asked several insurance companies, banks, homeowners association officers and no one has ever experienced this. In addition, we became aware of a NC state law ( Biggert-Waters Flood Insurance Reform Act of XX/XX/XXXX ), which basically states that our lender MUST accept the insurance we have through Sterling Surplus. Yet SunTrust still refuses to accept and pay.
We want SunTrust Mortgage to pay the premiums out of our escrow and accept our insurance.
|
| 09/15/2017 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I tried to make my mortgage payment online as I 've done for the last several months, but there was no option to make a one time payment. I have no idea why, but that means I have to mail a check so now it 's going to be late. I want to make sure I 'm not charged ANOTHER late fee for something that is n't my fault. Their website just needs to work properly so I could have made my payment on time. This is completely unacceptable!!
I sent ANOTHER message through the website that is supposed to be responded to in 2 business days. Mine have all been IGNORED in the past so I expect a response to this one from someone with a first and last name and a direct phone number. All the annoying phone calls from people with no name who do n't bother to say why they 're calling is completely unprofessional and needs to stop immediately.
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| 01/01/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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I have purchased my condo in XXXX XXXX, FL through XXXX XXXX XXXX on XX/XX/XXXX without an Escrow, as I wanted to pay my property taxes myself.
After a month, I have learned that my mortgage was sold to Suntrust bank.
A few months into my payments in XX/XX/XXXX, Suntrust has placed Escrow on my mortgage and told me that I was obligated to have escrow since I live in a flood zone. I have contacted them multiple times in XXXX and XX/XX/XXXX, but haven't been able to get a proper answer on why this won't be removed since it wasn't in my original escrow agreement with XXXX XXXXXXXX XXXX in the first place, other than hearing that this is their policy.
This has increased my mortgage payments unnecessarily and is creating extra hardship by increasing my monthly payments, as I had made my plans for paying my taxes separately.
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| 05/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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Tried to make an additional {$1000.00} principal payment online but was denied. Message came up that you must first pay PREVIOUS MONTH Payment first. Today is XX/XX/XXXX, previous month was paid in full on XX/XX/XXXX. Previous month is XXXX!!! Asked to speak with customer service supervisor. She said I was on a recorded line, I told her she was on a recorded line as well She said she had to hang up on me, and she did. I asked her for information on corporate office at Suntrust and she hung up on me. I consider that a breach of service commitment by SunTrust.
All of my previous loan servicers allowed me to make additional principal payments without any restrictions.
SunTrust is in breach of service as my mortgage servicer by failing to provide me with information necessary to me in conducting financial transactions.
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| 07/28/2016 |
Yes |
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Web |
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I paid {$1000.00} on Suntrust personal credit card on XXXX/XXXX/2016 at the local branch. After I paid, the bank clerk gave me the confirmation numbers. Few days later, I received the confirmation letter on XXXX/XXXX/2016. However, I received the letter of rejected payment and charged me {$37.00} late fee. I called the credit card service and they said it was local bank 's fault. Therefore, I did visit local bank where I made my payment. Representative XXXX XXXX helped me to waive the fee through a conference call in her office. I received XX/XX/XXXX bank statement and they still have not cleared the fee. I called the credit card company once more they said they do n't have record so I have to revisit the local branch in order to remove the fee. I work XXXX to XXXX everyday. I ca n't visit twice due to my job schedule.
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| 11/04/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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My fianc and I opened a joint checking account at Suntrust bank and deposited a check in the amount of {$15000.00}. The account was opened on a Thursday and we were told the funds from the check would be available on Monday. On Tuesday morning the funds were not available and the account information vanished from online access. We went to the bank and were told that Suntrust closed the account citing fraud as my fianc owed them money from 2005. After a lengthily process at the bank where we spent time on the phone making payment arrangements for an {$800.00} debt we were unaware existed we still are no better off and were just told our funds could be held for 30 days. This has put my family in a very difficult situation. I do n't understand how the bank can legally refuse to return our funds? Please help me understand.
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| 07/10/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Banking errors
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Web |
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On X/X/2017 I was issued a credit by a previous renters policy cancellation paid on a previous SunTrust debit card for XXXX. SunTrust is legendary for playing hide the refunds with my previously closed debit cards. This is why I no longer bank with them. Another case of money not credited. The insurance company has informed me that SunTrust did not inform them the account was closed. So, once again SunTrust has attempted to steal more money from me. Agent XXXX claiming she is n't aware of the card I 'm referring to. Call on X/XX/2017 she says my current claim will probably be denied because I do n't have the full card number. XXXX was refusing to listen or help in any way. As usual another wasted 30+ minute phone call. They ca n't even find the card I 'm referring to. They do n't know anything about anything.
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| 04/24/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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Web |
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On XX/XX/2018 I used a XXXX to purchase a XXXX online. I received the voucher I purchased but was charged twice by XXXX for 2 different amounts : {$260.00} and {$290.00}. XXXX ( Suntrust ) claimed I authorized this and XXXX won't answer my inquiries. I did not receive 2 products or services. I purposely used this credit card so that if there was a dispute with XXXX, THEY would handle it for me. When I inquired about it, XXXX claimed ( case # XXXX ) that I had authorized the purchase and that was the end of it. I asked XXXX via e-mail ( the only way to contact them ) what I should have received for the 2nd charge but got no answers. I don't know which one to complain about, XXXX or XXXX. XXXX XXXX owes me a credit or XXXX owes me merchandise or a voucher for services. This is not the first problem I've had with XXXX.
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| 04/10/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
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Web |
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Suntrust sent the WRONG statement for XX/XX/XXXX ( for the 4th year in a row ) after I paid my escrow shortage. They took so long to send the correct statement that I did n't pay my mortgage for XX/XX/XXXX until the end of the month. As I always do, I added additional principal to my payment so now I need suntrust to sent a CORRECT statement for the amount due XX/XX/XXXX showing my payment for XX/XX/XXXX, the higher principal amount due and the lower interest amount due. I have asked repeatedly but they refuse to send a correct statement which I do not understand and they refuse to provide any customer service without going through a third party. They are completely incompetent and unprofessional and I need them to do their job and send me a CORRECT XX/XX/XXXX statement IMMEDIATELY. I should not have to keep asking.
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| 01/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Didn't receive terms that were advertised
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Web |
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SunTrust are offering a sign up bonus of up to {$300.00} on their checking accounts when you use the promotional code XXXX : Earn {$100.00} for opening the Essential Checking Earn {$200.00} or opening the Select Checking Earn {$300.00} for opening the Signature Advantage Checking You also need to complete the following requirements : Deposit at least {$100.00} within 14 days of account opening Complete at least {$500.00} in direct deposits within 60 days of account opening Make at least 10 debit card purchases wihtin 60 days of account opening -- -- -- -- -- -- -- -- -- -- -- -- - I opened the Signature Advantage Checking account in the branch becuase online was not working. The Suntrust rep assured me that I was eligible for the bonus. However now when I call them they tell me I am inelegible for {$300.00} bonus.
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| 12/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan modification,collection,foreclosure
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|
Web |
Servicemember |
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Suntrust Mortgage : *Forclosed on me while i was XXXX*Denied me for XXXX but the said i was covered a couple years later but never fixed my % *Missing Payments*Did not change XXXX, XXXX, XXXX interest rate to 6 % from 6.875 % on my first mortgage*Did not change my XXXX interest rate from 13 % to 6 % since my XXXX was paid off i deserve the money back*In XXXX was foreclosed on ( THEY LOST A FEDERAL LAWSUIT IN XXXX OF XXXX FOR WRONGFUL FORECLOSURE PRACTICES FROM XXXX TO XXXX ) XXXX XXXX mortgage was paid off and $ XXXX put into an escrow account but when they foreclosed i was never paid this. so they have had my money for 8 years*I want my XXXX mortgage Re-evaluated and the payments re-applied. i show i only owe $ XXXX*When foreclosed i payed {$15000.00} to reinstate no attorney fees should be applied to my account.
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| 03/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Non-sufficient funds and associated fees
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Web |
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Fraudulently charging a maintenance fee every month after 6-7 months of account opening - signature advantage. I still meet the criteria as listed online - https : //www.suntrust.com/personal-banking/checking/suntrust-advantage-checking. Have Direct deposits of more than {$3000.00} per month and have a mortgage account linked to avoid the maintenance fee = {$20.00}. But without informing me they changed the agreement on backend saying that minimum balance needed to avoid maintenance fee = {$25000.00} Dates when reached out to SunTrust - XX/XX/XXXX, XXXX, XX/XX/XXXX - email exchanges. XX/XX/2019 - call to customer care.
So, they promote some other criteria online to avoid maintenance fee and they change the criteria behind the scenes. Also, the maintenance online = {$20.00} vs what they are charging = {$25.00}
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| 01/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
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Web |
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My bank is supposed to have my back & help protect my money in dispute cases when refunds cant be worked out with the Merchant. 1 ) I did contact the merchant 2 ) I submitted my dispute to SunTrust for {$270.00} transaction 3 ) I sent the additional form for the 1st dispute. I have submitted a claim about this already but I am appealing their response as SunTrust is declining the dispute and not helping me. Its unfair and Suntrust keeps saying that I never sent them the form e-mailed with the confirmation which I did send How do I know if they received it? I assumed my dispute was being processed. I waited patiently until I noticed it suddenly disappeared from the claim center without any listed information on the SunTrust online banking page. Thats when I called support & they told me to re-send the affidavit.
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| 11/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Over 10 years ago my wife and I obtained a mortgage for our first house. Sun Trust administers our mortgage. We have a first and second mortgage. The first mortgage is 7.75 % and the second mortgage is 9 %. We have repeatedly over the years attempted to refinance this mortgage, but Sun Trust has stonewalled and frustrated the process at every turn. Even when we go to our local Sun Trust branch the teller and local reps always ask have we considered refinance. Our response is yes we have. The response is yes only to later hear that some policy at corporate prevents the refined. In 10 plus years we have never been late with a payment. We are seeking assistance in getting Sun Trust to work with its customers in getting a more reasonable and fair interest rate. My wife and I welcome your assistance. Sincerely XXXX
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| 08/30/2017 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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I was selling an item on XXXX. I received a check in the mail for the item and when I deposited the next day the funds were returned, onXX/XX/XXXXindicating a bad check. That was fine and I understand totally. But my bank Suntrust put a hold on the check amount essentially withdrawing that money again. When I went to a branch to address the issue it was sent to their fraud department. Then they put a no debit status on my account, locking it and holding all my funds hostage while they " investigate. '' Suntrust has illegally locked up my funds and ruining me financially. It has been almost 30 days and they said it would be resolved in 10-15 days. The representative I spoke with from Suntrust said the no debit status would only last five days! I have rights as a consumer and Suntrust is blatantly abusing them.
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| 03/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
Servicemember |
|
I was and I still am a victim of Hurricane Michael. it happened XX/XX/2018. 5 months later, my home is still deteriorating due to roof damage, because Suntrust Mortgage has my insurance money in an escrow account. I and my contractors have filled out the required forms several times. I have faxed all forms 3 times, and my insurance co. emailed them once. Each time, Suntrust keeps adding on requirements. In the meantime, I literally have rain water pouring through my roof. have replaced tarps 4 times already. Ceilings, walls, and floors are ruined, and water pours in garage on my suv. I need MY money to begin repairs!!! There is mold growing in my attic, and thru my ceilings. My pups and I are getting sicker, and sicker. I am prepared to hire an attorney to sue them for much more than the amount in escrow.
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| 10/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I been a account holder with SunTrust Bank for many of years. I currently have a checking & savings account with the Institution. Approximately 2 weeks ago I notice a fraudulent deduction from my checking at that time I continue to review my past account history and noticed I had several unauthorized deductions from my checking account XXXX from the same company and XXXX from another company. I filled a claim with SunTrust Bank in XXXX Md Branch on Monday, XXXX XXXX, 2016. Friday around XXXX I called to check the status of the investigation the the representative of SunTrust stated that they seen me a email concerning the investigation. I checked my emails and notice they was no mail from SunTrust. Once again I did not authorize these deductions from my account. And I never heard of these companies before
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| 07/30/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
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|
Web |
Servicemember |
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I contacted the Bank ( Suntrust ) in or around XX/XX/2017 to raise a chargeback against the merchant for services not describe. The merchant presented themselves with having the opportunity to trade and invest in a regulated financial products, such as Cfd, s stocks and options and other regulated financial instruments. However, I prove to the bank that the merchant was unable to provide said services on their website, since the merchant in question, lacks all necessary required licenses. Therefore the merchant is in breech of contract, thereby giving the bank the reason to raise a chargeback for services not as describe since the merchant couldn't provide the describe services. This is clearly a misrepresentation. Therefore this is fitting to have a charge back initiated under services as not described.
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| 05/31/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
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I make my mortgage payment every month on or about the same day every month. In 17 years I have never been not even a day late. USING THE SAME ACCOUNT TO PAY. The last three months bank says they can not identify the account or I have nsf funds available. I call my bank they say the payment was never submitted to them for payment .My Bank even asked for the federal reserve ID number so they could track the payment. SunTrust w ould not give me that number. They are continuing to Insinuate that its something Im doing something wrong and I should pay a late fee They are harassing me with phone calls, letters saying I have not payed I have confirmation numbers for every payment! so every month I call and complain they try to make me pay a late fee I refuse they run the same acc number payment goes thru help
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| 07/12/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Fee problem
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Web |
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We are struggling and SunTrust has put our business into futher jepodary by charging exorbitant unfair overdraft fees causing our small business major financial distress. In an attempt to remedy the situation I visited the XXXX XXXX location. The employee waived 1 fee but I was ( I found this info out on a 2nd visit, to the XXXX XXXX branch ) NOT informed of what I could do to prevent this from happening again. I was NOT advised that I could get overdraft protection by either opening a savings, or getting a business credit card, or registering my email. If i had been advised of this I would have done so. I feel very taken advantage of. The fees are unfair and have caused my business great financial distress. 1 fee would be fair, but {$220.00} in one month and {$150.00} in a 2nd is beyond unfair!! HELP!!
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| 09/30/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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|
Web |
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For a second time, Suntrust bank has decided arbitrarily when to consider charges 'posted ' and by doing so overnight, charged their litany of fees simply because I did not have time to transfer money to cover it between the hours of XXXX and XXXX. Clearly their intent is to grab as much money as possible, but I will not stand for this theft. They need to either make their posting times consistent ( and have a way to see ALL pending charges ) or they need to cut these ludicrous fees which help no one but their own bottom line.
Additionally, they charge a fee for transferring money from a savings account to cover overdraft ... which consequently leads to a greater overdraft and further fees. This is intentionally convoluted and complex so that customers do not have an opportunity to avoid these charges.
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| 08/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
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I have had a mortgage loan with Sun Trust Mortgage for almost 10 years. In that 10 year period I was late only once with my payment. My interest rate is 6.8 % and I have tried twice to refinance with Sun Trust at a much lower rate. Both times I was told I did not qualify. I find it ironic that I do n't qualify when I have been making my payment on time for 10 years. I also have had credit cards with Sun Trust for years and I have never just made a minimum payment or been late. I have always been in good standing.
Is there anything that can be done to lower my interest rate with Sun Trust? I have also been told by Sun Trust and XXXX XXXX that due to the fact that I have a conventional loan not connected to XXXX that I do not qualify for HARP.
Thank you for any advise or help you may be able to give me.
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| 11/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
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Web |
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I, XXXX XXXX XXXX am the owner of SunTrust business account for State Department Corporate Divisions Account known by XXXX as my Corporation called, XXXX XXXX XXXX XXXX. SunTrust compromised my account by closing it on XX/XX/2003. I was never notified. Today I found out that they are claiming that XXXX XXXX XXXX closed the account. He is INACTIVE XXXX to XXXX and can not conduct business for XXXX XXXX XXXX XXXX. So how could he be a closer of my account. SunTrust said that record only go back 7 years, but we know that that is not true. My account number is XXXX and I need it reopened and its funds returned from its account and others like XXXX with brokerage services XXXX and XXXX. These are securities accounts acquired from XXXX XXXX XXXX XXXX., my perpetual corporation that should have not closed.
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| 10/12/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
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|
I have tried to open an account with Suntrust in conjunction with my XXXX XXXX Member Account. I opened the account online around XX/XX/XXXX. Suntrust Policy states that an account had to be inactive for 90 days to be closed for inactivity, says the Suntrust representative. Although, somehow my account was closed on XXXX fifth. I just received my Debit Card today, on XX/XX/XXXX. When I called to activate my card, I was transferred to the Representative that explained the earlier statement, and was told that my account had been closed due to inactivity. When I started questioning that decision and requested to speak to a manager, he became irate and ended the call. This is n't the first time I 've dealt with the exact same situation with Suntrust before. It has happened multiple times. This has to stop.
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| 08/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
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Web |
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On XX/XX/XXXX my mom and I went into Suntrust Bank in XXXX XXXX Tn to close her account. Which my name is on too. I was taking over her POA and changed banks, the bank manager assured us the account was closed and a week later she started getting letter in the mail that she owed them money for a draft and fees they allowed to go through on her account that was supposed to have been closed. I called all the companies she had automatic drafts from and stopped them, so I dont feel like it was our fault the drafts came through the account was supposed to have been closed. They told us that a pending draft could reopen a account, I feel that this practice is a attempt to just keep getting money from people when you close a account it should stay closed. I wouldnt recommend using Suntrust bank to anybody.
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| 06/26/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I had a checking account with Suntrust specifically to pay my mortgage. Roughly 4-5 months ago the local branch closed. I paid it online for a month or so then became locked out of my account. The closest branch is an hour and a half away. I was told I could pay via a XXXX number, so I did that. I recently received notice that I owed Suntrust {$68.00} and was shocked. I have never been late on my mortgage. When I called they explained because I did not use my account in two months they withdrew the {$30.00} and change I had in there for a maintenance fee which I knew nothing about. Then when it became negative due to the maintenance fee I was charged an NSF fee. This is unreal. They refuse to withdraw the charges and are threatening to send my account to collections. Suntrust Bank Account number XXXX
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| 02/06/2020 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
To Whom This May Concern My student loans are getting out of hand. I have been repaying them since 2009 and somehow the balance is not going down.
For past 9 years percent of my paycheck was deducted towards the balance, my federal and state tax returns have been set offset for past ten years to go towards my student balance. In last 3 years my account has been sold 3 times to different companies and new collection fee, handling fees etc has been added to balance. I don't even know who should I contact to stop this and have these new charges, fees and interest deleted from my original student loans.
SunTrust is new company that has my student loan ownership it was Illinois Student Assistance Commission SunTrust XXXX. XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX
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| 10/23/2018 |
Yes |
- Student loan
- Private student loan
|
- Dealing with your lender or servicer
- Trouble with how payments are being handled
|
|
Web |
|
|
When signing up for loan through Sun Trust Bank, advertised as allowing auto-payments with a reduction in interest for using auto payments. No asterisk or fine print associated with this claim on their website. Still seen here : https : //www.suntrust.com/XXXX " 0.25 % interest rate reduction for auto pay. '' Today I called and spoke to both the Lender ( Sun Trust Bank : XXXX ) and the loan serving company XXXX XXXX XXXX XXXX : XXXX ). Both informed me that automatic payments will not be accepted on my loan because I am paying interest-only while in school. They state that their computer system can not handle this. Clearly this is a deliberate predatory practice designed so that customers will forget to make manual monthly payments, so that the company can collect late fees and additional interest.
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| 01/30/2020 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
- Charged fees or interest you didn't expect
|
|
Web |
Older American |
|
I have a personal & individual credit line that was originally transacted with XXXX XXXX. It migrated to SunTrust Bank over the years. On XX/XX/2019 an " Internet Advance '' was made against my LOC in the amount of {$5000.00}, to an unrelated party, who has essentially hijacked the account. I have made several attempts to advance my complaint through the fraud department with SunTrust but as the minimum payment are being made, they are not in jeopardy and are not addressing my complaint. I have provided SunTrust with copies of the original agreement with XXXX so as to prove that I am the only person or entity authorized and responsible for utilizing this credit line. As best that I can discern, SunTrust 's position is that as long as the payments are being made, they will not do anything about it.
|
| 12/20/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I opted out of overdraft protection when I opened the account, however to my disappointment, SunTrust allowed a charge against my debit card to go through, through-by sending my account into overdraft. I not only was charged for a item I did not want, SunTrust added in a XXXX fee as my account was over drawn.
I spoke to their fraud dept. and they asserted, " SunTrust had the sole Discretion to pay debit card charges and add a fee for overdraft, as they had " 2 '' over-draft programs?! I quickly spoke up and advised them I was NEVER advised of a 2nd over-draft program ; if I had been I would have opted out of it.
This " 2nd overdraft Discretion '' is a fraudulent scheme they are running against their clients to assess fees against accounts. It's simply illegal and must be shut down immediately.
|
| 09/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
XXXX. The bank never sent a PIN to allow me to activate my debit card. After incorrect information from the bank 's XXXX service center and continued failure to send a PIN so we could use the debit card, I 've call a third time and been assured that " it 's in the mail. '' XXXX. We received a paper statement today and a fee for {$3.00}, despite verified account options indicating that we had elected paperless statements. While the agent has processed a refund, she indicated that it was my fault for not opting into paperless statements -- despite my having proof from my phone app that paperless statements were enabled. She also stated that the default option for all customers is paper statements with a fee, unless a customer opts in to a paperless statement. I think this default should be changed.
|
| 05/19/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I would like to file a formal complaint against SUNTRUST MORTGAGE.
I am receiving correspondence from Suntrust Mortgage almost daily in regards to late payment which was included in a chapter XXXX. The bankruptcy has been discharged and one of the criteria from the TRUSTEES was to make sure mortgage to be paid on time. I have made every payment on time since bankruptcy and Suntrust is continuing to show late fees which has since been paid by bankruptcy court.
I made XX/XX/XXXX and XX/XX/XXXX payment on time and today I am receiving a registered letter stating I 'm 2 months behind. I have spoken to XXXX representative from Suntrust and I was told they would update their record. Nothing has been done and I refuse to allow them to report missed payment to Credit Agency due to their inefficiency.
|
| 03/06/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
SunTrust Bank closed the overdraft line of credit for my personal checking account in XX/XX/XXXX and did not notify me. I found out in XX/XX/XXXX when I checked my credit report. The line of credit was closed while another financial institution had a hold on my checking account in XX/XX/XXXX ; the court ordered reversal of the hold in XX/XX/XXXX.
I talked to people at SunTrust Bank to get the line of credit reopened, including XXXX XXXX, Supervisor of Loan Servicing and XXXX XXXX, Office of The President, but the bank refused to do so. I have never been late in paying on the line of credit, which should be reopened without my having to apply for new credit. The whole situation occurred because of circumstances beyond my control and without me being at fault. I have been discriminated against.
|
| 10/03/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
1.-Last XX/XX/2018 we sent a wire transfer from XXXX, XXXX XXXX XXXX for the amount of {$10000.00} to an account in SunTrust Bank of XXXX, located at XXXX XXXX XXXX XXXX XXXX, GA. Funds were to purchased goods at USA .
At the time we didn't know that the account was fictitious, someone use Suntrust Bank to steal the funds that belongs to another final beneficiary.
The final beneficiary is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California. Phone : XXXX Our bank in XXXX request the return of funds to Suntrust Bank but we receive a denied from the bank. They tolds us to contact fraud assistance center at XXXX but we never have an explanation of why do they have a fictitious account in their bank receiving international wire funds that belong to a legitimate provider in California.
|
| 04/08/2018 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
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Web |
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I took out a HELOC with Suntrust Mortgage in XX/XX/XXXX. After the Crash, I had to file a Ch XXXX BK in XX/XX/XXXX. Then I did a Loan Mod with my first XXXX XXXX in XX/XX/XXXX. I went back to Suntrust in XX/XX/XXXX to find out my Balance as I was going to give it to my Attorney to start the process of having that lien discharged, voided or scrubbed. Whatever you call it.
Suntrust told me back then that I owed them nothing as the loan balance was XXXX.
They lacked total candor and hid a lot of things from me so I could not do what I had the legal right to do.
Now I am selling my home and they want to take all my proceeds to line their greedy pockets and ruin my retirement.
This is WRONG, DIRTY and UNSCRUPULOUS what they did to me.
I NEED YOUR HELP PLEASE.
PLEASE READ MY FULL COMPLAINT.
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| 01/30/2019 |
Yes |
- Mortgage
- Other type of mortgage
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- Trouble during payment process
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Web |
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Sun trust Bank did not send me a good bye letter, they did not inform me that my mortgage was being sold off to another servicing department or debt collector. I was never given any information at all in reference to this matter. I need some form of accountability on the part of Sun trust bank. After 15 years of payments to them and trying to work out a loss mitigation plan to help me keep my house they have done very little for me as a customer of this length of time. Have them get back to me soon as I still have no access to my old account. I am locked out of the system and do not have my XXXX form or any other financial information to file for tax purposes and for my personal record keeping. This is predatory lending tactics at best and there are laws in place now to protect homeowners.
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| 09/14/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XX/XX/XXXX Audit Charge-off ( uncollectible debt ) with Virginia Department Housing Authority in the amount of {$1.00} XXXX dollars for property address XXXX XXXX XXXX, XXXX, VA XXXX with an appraisal value of {$110000.00}. Please reference IRS Valuation Form 843 for debt in the amount of {$64000.00} ( XX/XX/XXXX to XX/XX/XXXX ) dated XX/XX/XXXX. No escrow is due to debtor XXXX XXXX XXXX. Unpaid property taxes since XX/XX/XXXX per IRS tax lien document received on XX/XX/XXXX with an expiration date of XX/XX/XXXX due to property abandonment. Charge-off ( uncollectible debt ) with sold boutique at XXXX XXXX XXXX in the amount of {$400000.00} on behalf of Suntrust, XXXX XXXX XXXX, the OCC, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 11/05/2015 |
Yes |
- Prepaid card
- General purpose card
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Web |
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We have XXXX prepaid debit cards from Suntrust bank that had a beginning balance of {$25.00}.
We were charged monthly inactivity fees for no activity after 4 months of not using the card, which violates our understanding of the CARD act, which only permits the charging of fees after 12 months of no activity.
The terms and conditions of the Suntrust prepaid debit card are here : " Inactive Account Fee {$2.00} per month following 3 months of inactivity. Inactivity is defined as no transactions ( cash or purchases ) or account inquiries made on the Card account. " https : XXXX $ XXXX in activity fees $ XXXX in activity feesI 'm asking for Suntrust bank to be held accountable for violating the law on protections against fees within a 1 year period, and for a refund of these activity fees.
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| 04/26/2019 |
Yes |
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- Trouble during payment process
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Web |
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Suntrust is refusing to apply payments to my account, showing that I am in default of my loan or much more late than is actually accurate. On XX/XX/XXXX, the payment for XX/XX/XXXX was credited. ON XX/XX/XXXX, XX/XX/XXXXwas credited. On XX/XX/XXXX & XX/XX/XXXX, payments on {$1000.00} each were made and were not credited to my account. Those were payments for XX/XX/XXXX and XX/XX/XXXX, thus bringing the loan current. As of today, Suntrust is holding {$2100.00} in a " suspense '' account. If they were to actually apply these funds as they lawfully are supposed to, my account would show as current. I currently only owe XX/XX/XXXX, which I will pay tomorrow, but it is not the end of the month yet so I am not 30 days past due but Suntrust is showing almost 90- days which is quite inaccurate.
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| 06/04/2015 |
Yes |
- Consumer Loan
- Vehicle loan
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- Taking out the loan or lease
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Web |
Servicemember |
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I went up there to look at a XXXX with my nephew. He is in the XXXX XXXX and I did n't want him XXXX over by dealerships around his XXXX. Without any credit yet they said he needed a co-signer in order to get it. I repeatedly asked the salesperson, XXXX, if I co-signed would it show up on my credit due to me planning on buying a car this week. She repeatedly said it would n't unless I took over the loan. I agreed to co-sign. I asked the finance person repeatedly the same thing. She also said it would n't show on my credit report. Went to buy my car today and was turned down due to already having a car loan. Went back to dealership and the finance person denied that I even asked even though I have XXXX witnesses that were in there. These people will lie to anyone in order to make a deal.
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| 07/10/2018 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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On XX/XX/XXXX went into SunTrust bank about fraud charges on my account so they opened a claim on them then on XX/XX/XXXX informed me they where researching them and waiting to hear from the merchant and no provisional credit would be given as this was a merchant dispute. On XX/XX/XXXX I sent the branch manager who helped a email with reg e details and she replied on XX/XX/XXXX saying it is a merchant dispute so reg e does not apply to the charges and I have to wait till they hear from the merchant. called there claims team and thats all they would say on the issue also is that reg e does not apply to this claim and nothing on the account would be corrected till they hear from the merchant we are now at the XX/XX/XXXX business day since filling the claim and nothing has been corrected.
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| 05/03/2017 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Fee problem
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Web |
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SunTrust Bank charged my account for an over draft coverage when no over draft exists on the account. I filed a complaint here with CFPB and since then the bank has refunded the amount of the charge error, however now I noticed that during the last week of XXXX XXXX they charged the savings account a {$7.00} maintenance fee and a fee {$3.00} for checking the balance at the banks own drive through ATM. I have a " Maintenance Free ' ' savings account and have had for over 10 years. In fact part of the conditions for my Maintenance Free accou nt is that I allow the bank to transfer {$5.00} dollars from my checking account to my savings account on or about the XXXX of each month. Which they did. I have never paid any maintenance fees on the account and want my money refunded.
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| 07/26/2015 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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SunTrust after being a customer for 20 years, with sole income for my XXXX direct deposited every month with no problems, suddenly had a fraudulent overdraft fee. I went to the local branch and they agreed to remove the fee, but 6 days later got an extended overdraft fee. Now I have XXXX more overdraft fees which would not have occurred if they followed through on their agreement. I live check to check and have alsways been careful in balancing my ledger and had sufficient funds from the very first overdraft fee. No one will abide by agreement and keep taking my money. I will not be able to pay XX/XX/XXXX bills thanks to them. I have learned that they have a patern targeting low-income individuals, particularly the elderly/disabled reordering and misrepresentation of account balances.
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| 05/26/2016 |
Yes |
- Bank account or service
- Checking account
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- Making/receiving payments, sending money
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Web |
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I have an account with SunTrust Bank, from which I have never ordered checks. SunTrust bank cashed XXXX forged checks out of my deposit account and then charged numerous overdraft fees from those checks and other debits from the account. I called the next day to report the counterfeit checks, but they are saying that they will take 7-10 business days to " investigate. '' These checks are obviously counterfeit. They look like they were made from a copy machine, they were from a SunTrust Bank with a PO Box , and they were signed " XXXX ''. SunTrust now refuses to release my money back to me because of their mistake while they hold onto my money for 7-10 business days. This is an absurdly long time to investigate something that is a clear case of fraud because of their lack of security.
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| 03/09/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
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Web |
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I submitted a complaint to the CFPB concerning the fraudulent activity that occurred on XX/XX/19.The case # XXXX. My money in the tune of {$32000.00} was diverted to a fraudulent account at SunTrust Bank, Routing # XXXX Account # XXXX.
When XXXX XXXX attempted to reverse the wire they discovered there was a mismatch in the name on the account and the routing number.
The fed payments manager - funds indicated on XX/XX/19 amt. {$32000.00} usd please be advised funds auto posted on the original wire however XXXX name and account do not agree. The {>= $1,000,000} was to be deposited into XXXX XXXX account for my closing. The money was diverted to the fraudster 's account with his account and routing number but DID NOT have XXXX XXXX name on the account.
Sincerely XXXX XXXX XXXX XXXX
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| 10/11/2018 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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On XX/XX/2018 I paid my household bills. After I paid the bill I had a balance of {$340.00} in my account. The next morning I had a alert on my phone saying that my acct was in the negative. I looked at the transactions and realized that my payroll check had been deposited but there was also {$140.00} in fees from Suntrust. I called the bank and they said that it was a 2 hour delay in the time that my check was posted and the bills where paid. So that cost me XXXX dollars and nothing could be done about it. They said that they can see that it was only 2 hours but they have to charge the fees. My acct is in the negative {$24.00} dollars. But its in the negative because of the {$140.00} fees This is robbery. Its just not right and I want just let it go I work way to hard for my money.
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| 01/02/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I opened an account with Suntrust Bank and less than a month later they closed my account and froze access to the funds without warning. No one is able to give me an answer after talking to multiple agents. First I was told I would receive a letter in 7 - 10 business days along with a check for any funds that were in my account. They froze access to my account on XXXX XXXX and my first direct deposit to this account was scheduled for XXXX XXXX. I was told they received my direct deposit and it is being stored in a warehouse. I called back today on XXXX XXXX because I 've received nothing from the bank. I was told they did not close out my account till XXXX XXXX and it will take 7 - 10 business days from that date to receive any funds in my account. Please help me get my money back.
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| 01/11/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Trouble during payment process
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Web |
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SunTrust Bank bought my mortgage. I set up an online account and provided external payment information to have my mortgage payments made automatically each month. It has never happened in the four months since they bought my mortgage.
I have tried on at least four separate occasions to determine why it isn't happening, without success. I can see my external payment information online and can see it is correct. I have been transferred to technical support personnel who can not tell me why this function isn't working. I haven't been offered any solutions.
I have had to make one-time payments each month. My concern is I will forget to do this, my payment will be late, and I will be charged late fees and/or have my credit score impacted. They are 100 % unresponsive to my problem.
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| 06/28/2017 |
Yes |
- Checking or savings account
- Checking account
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- Problem caused by your funds being low
- Overdrafts and overdraft fees
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Web |
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My problem started in XXXX 2017. Suntrust Bank N.A. Refunded some of the fees for my items which were submitted to be paid ( such as health memberships, XXXX, etc ). My cable bill and my cell phone bills went through this account as well. In XXXX 2017, I became ill and noticed that my acct was overdrawn by {$200.00}. I called the bank and told them I did not want them to honor any automatic payments. I spoke with the manager on XX/XX/XXXX and she said she had reviewed my account and would call me back. She never did and the charges have now amounted to -XXXX. I am going to close this account, and I have contacted my automatic billers to not bill that account. I have accrued over {$500.00} in {$36.00} overdraft fee increments. Please assist me in recovering some of these fees.
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| 12/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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There is a foreclosure sale date on Monday XXXX XXXX, 2016. Due to XXXX XXXX, our house is subject to a moratorium in foreclosure activity. Suntrust has not dismissed its action to prevent the sale of the house in violation of the Presidential proclamation of an emergency as well as the XXXX order to prevent foreclosure activity for houses subject to the proclamation, such as mine. We sent a notice of error to Suntrust on XXXX XXXX, 2016 via email to Suntrust 's counsel of record and to Suntrust via certified mail. Suntrust has acknowledged receiving the XXXX but has not responded despite the fact that there is only one more business day before the sale of the home. Suntrust is not taking the appropriate action to ensure the house does not get sold at the foreclosure auction.
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| 07/20/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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|
Web |
Servicemember |
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On XX/XX/XXXX, 2017 I provided notice of my brother 's XXXX to SunTrust Mortgage. At SunTrust 's request I faxed a copy of his XXXX certificate as proof of XXXX. I informed SunTrust my brother had no spouse, children or estate. My name and address is shown on XXXX certificate. Since receiving my name and address, SunTrust is now addressing my late brother 's mail to him c/o my name and address. This was without my request or authorization. My brother has never resided at my address or used my address as a mailing address. I would like SunTrust to cease using my name and address for my late brother 's mail regarding the status of his loan or other legal notices. I believe lender should instead use loan holder 's name and last address of record for any required communication.
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| 03/25/2016 |
Yes |
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- Loan servicing, payments, escrow account
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Web |
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I fell behind on my mortgage and made an arrangement with my mortgage company, SunTrust Mortgage to have the funds required to bring my loan current withdrawn on XXXX XXXX, 2016 as I was to receive a bonus from my job. The funds were deducted on that date and my loan should be now in good standing. It has been two weeks now and the funds are in a suspense account at the mortgage company but my loan is still being reported as past due. Furthermore, l I began receiving correspondence from a foreclosure attorney as foreclosure proceedings have begun. I have been in contact with both my mortgage company ( SunTrust Mortgage Company, loan # XXXX ) and the attorney XXXX XXXX XXXX, XXXX with no one being able to explain what happened and what is being done to stop the proceedings.
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| 05/19/2018 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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I was one day away from closing, XX/XX/2018 and SunTrust mortgage declined my loan. There was an issue regarding my taxes, which they had in their possession for weeks, which I immediately amended. However, they will not accept the amended copies. The other concern that is prohibiting me from securing the mortgage is that they are accusing me of purchasing the property for my child to live in which is not the case. I will be living in the property as my primary residence. I have explained my intentions verbally twice and in writing twice and they are still making the accusations. I may loose this property and feel they are discriminating against me by making these inaccurate accusations. I am also concerned as to why they are bringing my adult children into the situation.
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| 01/30/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Problem using a debit or ATM card
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Web |
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There were unauthorized charges on my account. I reported this information to Suntrust. Yet, they failed to investigate this information and update my account including putting my money back into my account. Ive called several times and was placed on hold. Nobody could give me any information on the fact that they investigated this claim. These charges left my account in the negative of over {$800.00}. I have a good account history and I shouldnt be held responsible for a mess that I didnt create. When I signed up for this account, I was informed that they had a FDIC insurance policy to cover these type of situations. However, they havent done anything in regards to my dispute. Im starting to think Im being racially profiled as if because Im XXXX XXXX that I dont matter.
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| 09/12/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
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I received my refund, a check for XXXX dollars from my school ( XXXX ) that I placed into my bank account with Suntrust on Thursday. It was available on Friday and i took out {$2100.00} to pay up my rent, immediately after that it was {$4000.00} hold on my account and no one has been able to tell me why. I have a very severe need for my money now. I have bills that have went past due, due to the holds on my account, I had to cancel a business trip for this weekend and I am unable to pay for my child day care. Suntrust is telling me there is nothing they can do and i have to wait until XXXX/XXXX/16 because my account is under '' review '' and they will not tell me why its in review. That would be one full week without having any money and no one being able to tell me why.
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| 02/21/2019 |
Yes |
- Checking or savings account
- Savings account
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- Managing an account
- Funds not handled or disbursed as instructed
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Web |
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On XX/XX/XXXX, Suntrust allowed a wire transfer of {$2900.00} out of my daughter 's savings account, I am also on the account. There was not even {$2900.00} in the account. I saw it immediately, put {$300.00} in it to bring it to even. She works late shift, I had to wait for her to wake up from working until XXXX XXXX, she let me know she does not know what happened. It was not anything she did. We called the bank, and by the time we did, the {$300.00} that I had put in was also gone ... all of this happening onXX/XX/XXXX. The bank will not put the $ back in, will not do anything other than say " our fraud department will handle it ''. 10 days later, no $ has been put back, no updates. This was over 60 % of of my daugher 's funds. They closed the account on the XXXX.
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| 12/29/2018 |
Yes |
- Checking or savings account
- Checking account
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- Closing an account
- Company closed your account
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Web |
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I sell online for XXXX. During XXXX I always have a larger deposit because we specialize in toys. I have been with this bank for 4 years and the pattern is evident. This year when we got a large deposit they froze my funds and closed my debit card because of the amount of the deposit. When I called to find out what was going on, I was informed that the bank had decided to end our relationship. I had no access to any money, couldnt log onto my online account, and none of my cards worked. I am still in the waiting period for my funds to be mailed to me. I have incurred bounced check fees, online reversals of payments, delays in deposits from other sources, and just general frustration. How can banks do this to people? I literally have XXXX in the bank but cant get gas.
|
| 08/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Older American |
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Every few months SunTrust bank, for some reason, reports that my home equity line of credit is closed. Every time this happens, my credit score with XXXX and XXXX XXXX plummet. Then it will be fixed, then it will be OK for a few months, and then SunTrust will spitefully report again that the account is closed. I believe they are doing this because they know I am shopping around for another lender to take over this loan because I am not happy with their customer service. I can not get it through their thick skulls that the account has been reaffirmed after my bankruptcy in XX/XX/2014. Since the account was open in XX/XX/2004. I have never missed a payment.
Every time SunTrust reports the account is closed hurts my credit score and I wanted to stop once and for all.
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| 11/14/2017 |
Yes |
- Student loan
- Private student loan
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- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
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In XX/XX/XXXX I took a student loan out for my daughter a sum XXXX original lender was XXXX XXXX, three months later I go on XXXX and default. XXXX XXXX sold my account to XXXX. When XXXX contacted me the principal default XXXX, interest accrued {$4300.00}, other charges accrued {$34.00}, collection cost accrued {$140.00}, collection cost projected {$5900.00}. The loan exceeded a total of {$38000.00}. In XX/XX/XXXX I did the student forgiveness program with XXXX. XXXX told me to pay as low as {$5.00} a month, but I had to pay {$5.00} for 8 months I completed the program. two months later I get a letter from SUNTRUST asking me to pay {$400.00} every month to pay the student loan. I do n't owe SUNTRUST anything. I am afraid they are going to destroy my credit again.
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| 11/29/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Servicemember |
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XXXX 2016 I was offered a bank credit card by a bank representative at my local bank.! He explained to me that the credit card was in the amount of {$3500.00} with a 15 month interest free plan. I used the card initially to pay off a few small accounts and also to make a few personal purchases. I was later reprimanded by someone from the credit company and told that, '' I had no right to make purchases on the card ( my card ). I was further asked who authorized me to do so ''. From that point I was charged 'Interest ' on my credit card and have been paying even to this date! Although, I do not feel that I have been treated fairly, I continue to pay my bill. Please assist me with a workable and fair solution to my delemma. Thank you for your timely consideration.
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| 09/06/2019 |
Yes |
- Vehicle loan or lease
- Loan
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- Managing the loan or lease
- Billing problem
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Web |
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I have a car loan being serviced by SunTrust Bank. I want to be able to see how my payments are being applied to interest and principal. I can log into my account, but the information provided online by SunTrust does not include a breakdown of how my payments are being applied, so I have no way to assess whether they are being applied properly. I have contacted SunTrust by telephone and by online messaging, and they informed me that I can go through a cumbersome process to have the information sent to me by snail mail. I don't want to have to go through this every time I make a payment! This information should be readily available to me! ( I've attached a transcript of my most recent attempt to communicate with SunTrust -- a difficult and fruitless process. )
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| 05/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
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Web |
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HELLO AS THEY ARE TALKING ABOUT A DISPUTE WITH SUNTRUST BANK ON UNAUTHORIZED CHARGES, I SUBMIT A DISPUTE WITH SUNTRUST BANK ON SOME CHARGES IN MY BANK ACCOUNT FOR THE LOSS OF MY DEBIT CARD ON XX/XX/19 I WILL SEND ME SOME DOCUMENTS WHAT WILL FILL IN PERSON TO THE BRANCH AND FILL OUT SUCH DOCUMENTS BUT THE DAY OF XX/XX/19 I RECEIVED A CALL FROM THE AGENT WHO CARRIED OUT THE CASE TO ASK ME QUESTIONS I ANSWERED ALL YOUR QUESTIONS WITH SUCH DISPUTE I ANSWERED EVERYTHING ACCORDING TO WHAT WHAT HAPPENED TO ME AND WHAT I SAID THE DAY THAT I CALLED YOU TO REPORT MY LOST CARD THAT WAS THE DAY THAT I REALIZED THAT THE CARD WAS NOT WITH ME BUT I DID NOT REALIZE WHEN I LOST IT OR STOLE MY PROPERTY PLEASE RE-OPE THE CASE AND REIMBURSE ME ALL UNAUTHORIZED CHARGES THANK YOU.
|
| 05/02/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
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My late mother has two IRA accounts at Suntrust. I and my brother were named beneficiaries. He is deceased. I went to the XXXX branch of Suntrust with the information the attorney mailed to me regarding the accounts. They said their legal department told them the executor of the estate will need to produce at the branch a death certificate from my brother, then both my half and my brothers will need to go to the estate through Suntrust. My estate lawyer said I should be able to claim the IRAs 100 % by producing my brother 's death certificate myself.
I have tried to reach Suntrust online and by their customer service number, but was unable.
I need a direct contact at Suntrust to respond with the correct answer from their legal department. Email preferred.
|
| 11/21/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
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|
Web |
Older American |
|
Due to 10 months of trying to repair erroneous credit reporting and a hack of XXXX and Dodd / Frank our credit destroyed. Consequently this is the result. Instead of having excellent credit we are no Low Life 's. In our opinion by experience false advertising, misinformation, misrepresentation has created this fiasco and you, yes you do nothing. You did nothing about the Reverse XXXX lender who created this mess. You did nothing about the Credit Bureaus. You did little to nothing about the creditors who reported wrong and added to this mess. Yes we got ourselves in deeper BUT if you would have been the agency you profess to be none of this would be on our backs today! The facts are many of these companies not signed up with you why????? I guess above the law?
|
| 11/16/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
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|
Web |
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|
In XXXX XXXX, I cancelled my registration for an event/conference. When I registered for the event in XXXX, I paid using my business debit card. At the end of XXXX, I closed my business and my business bank accounts at SunTrust Bank, and filed my final business tax return. The event vendor refused to refund my registration fee in any way other than crediting the card I 'd used when I registered. SunTrust accepted the refund, even though the account was closed. SunTrust has issued a check payable to my former company and refuses to cash it for me and the other former owner of the former business. The only option they have given us is to open a new business account in the same name ; again, that business no longer exists and the final tax return has been filed.
|
| 08/08/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
On XXXX/XXXX/15, I submitted a complaint letter to Suntrust Bank concerning incorrect information provided by XXXX as my credit data for consideration of a credit card offered by Suntrust. On XXXX/XXXX/15, I sent a letter to XXXX concerning the same above mentioned issue : reporting erroneous credit data on my behalf. I have attached copy of the letters mailed to both companies. To date, neither business has responded to my letters. Therefore, I am requesting your assistance with this matter. I am demanding a response to my inquiry from each business. I have attached a copy of the letters submitted to both SunTrust and XXXX. I also intend to file a complaint on those organizations with the respective XXXX and the Federal Trade Commission ( FTC ).
Thank you.
|
| 05/25/2015 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
|
|
Web |
|
|
I sent XXXX wires in the amounts of {$7500.00} and {$4500.00} respectively from my bank, XXXX XXXX to XXXX XXXX account in Sun Trust Bank. She tried to wire the money to XXXX against my knowledge and wishes. The wire transfer was stopped from her account to XXXX. The Fruad Department said they did an investigation into this.
I sent in a recall of wire from my bank, XXXX XXXX to Sun Trust bank.
They did not send the money back. There investgation took XXXX weeks and they have lied and lied to me telling XXXX that they closed her account and would send her the money back so she could then return it to me.
Sun Trust Bank sent the money instead to the IRS claiming there was an outstanding Levy against XXXX XXXX.
I wish to get my money back from Sun Trust Bank
|
| 10/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
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|
I had a SunTrust account. However after my account was fraudulently used, I filed a claim. The claim was then denied from SunTrust so I filed a rebuttal. The rebuttal was also denied. My account at that time was then negative {$1000.00}. Eventually I received a letter from SunTrust telling me my account had been closed due to insufficient funds.
All the while, I still had no received my income tax return. After believing my account was closed and following up with the IRS it turns out that my income tax check was in fact deposited into my closed account. SunTrust told me there was nothing they can do but I now only owe them about {$400.00}. I am so beyond upset and I would like a resolution. Seeing that the initial issue wasn't my fault in the first place.
|
| 04/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I purchased what I thought was XXXX dollars of XXXX Clothes.
In XXXX on the XXXX I discovered I was billed over XXXX!
I immediately called Suntrust I was told to wait 6 months.
Over and Over again. I was told to wait 6 months.
I waited six months. In that time I contacted the seller 5 times to no answer.
I contacted XXXX. They sent an email stating it would have to be a bank reversal as this consultant had no answered their emails or calls as well.
I opened a fraud case # XXXX. First the money was put into my account and then I received a letter. It said they had made a mistake and took it out XX/XX/XXXX.
Next I received a letter saying I had to file within 60 days so they closed the case, I was told 6 months via phone in customer support NOT 60 days.
|
| 07/30/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On approximately XX/XX/18 when checking my credit report i noticed an unauthorized hard inquiry from SUNTRUST on my XXXX, XXXX and XXXX credit report that i did not AUTHORIZED.
I spoke with the SUNTRUST Fraud department by phone once i was notified of these unauthorized hard inquires.
after being asked security questions by SUNTRUST i was told they will contact the Credit bureaus and have them removed and my report will reflect that in 30 days, it have been 3 months and it appears i was lied to and deceived by SUNTRUST.
They did not remove those unauthorized hard inquires from XXXX, XXXX and XXXX but allowed them to stay to intentionally hurt my credit score.
I contacted XXXX, XXXX and XXXX on XX/XX/2018 and was told SUNTRUST never contacted them.
|
| 10/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have called several times about the excessive late charges over 7k I have owned this Home since XXXX XXXX. I requested that these be removed or reduced as I feel that payments were not posted on time. I asked for history from start of loan in XXXX and received XXXX on and no previous years. I believe I have three times scattered late over thirty days in almost 15 years. This is a financial hardship to pay over 7000 in late fees and eating my equity which is not much based on the decline in my area. I was told there was nothing I could do but pay the money and they would not work with me at all. To request bank records to prove would be impossible as the cost and they dont exist. As a consumer this is financial XXXX and profiting off a life long customer.
|
| 03/11/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My name is XXXX XXXX &! On XXXX XXXX, 2016 my friend XXXX XXXX went into Suntrust Bank at XXXX XXXX XXXX to make an XXXX XXXX dollar withdrawal she successfully made that withdrawal then the bank manager XXXX contacted her again and informed her to bring the money back due to a fraud alert we were informed that if XXXX XXXX brought me to the bank and I verify my identity and I would be granted my refund of XXXX everything would be fine that was not the case when we got back to the bank the branch manager XXXX just wanted the money I have been in constant contact with the Irs, Suntrust Bank, and the 3rd party preparer bank XXXX XXXX Bank I have limited information about my funds and I was referred here to possible get a resolution my contact number is XXXX
|
| 11/17/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I submitted a complaint about my financial institution on XXXX XXXX, 2015 ( Case number XXXX ) regarding overdraft fees put on my account for an item that I had sufficient funds to cover. Because of the overdraft charge for that item, my account was in the negative and I was not going to put more money into the account until that fee was returned. Since then I have been charged numerous overdraft fees that should not be on my account. If the first fee was actually returned, I could have had my account in the positive. Suntrust, which is my financial institution charges overdraft fees before the full 24 hour mark is expired which I find to very unreasonable and unfair especially for a consumer to deposit money into an account to clear a negative balance.
|
| 12/02/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
Servicemember |
|
We missed a payment during a financial hardship. SunTrust will not try to help their customers at all. For several months during XXXX, I paid two house payments. I was currently due to pay three payments in XX/XX/XXXX. I could barely afford to pay the two payments. A few days after I paid the two payments, SunTrust reversed the payments and held them until they applied them to my mortgage on XX/XX/XXXX. I attempted to pay in XXXX and I was told they would not accept my parent because I was now in foreclosure. I am trying to modify the loan but now they want me to repay a 40 year mortgage when I'm only 8 years away from satisfying a 30 year mortgage. Prior to this crisis caused by SunTrust, I paid my mortgage on time and was paying additional principal.
|
| 06/04/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Refinance my mortgage paying off the mortgage I had with Suntrust on XXXX XXXX, 2015. They ( Suntrust ) was supposed to send me a cheque with my balance on the escrow they are holding for the amount XXXX. Up to today I have not received the fund. They are claiming that they have send me by check the above amount and I have not received it. Let me point out no letter has been lost and I have even received their latest communication final escrow account disclosure send to me on XXXX XXXX. In their they are claiming that they have refund me. I keep calling them and they keep saying the check was send out few weeks ago. The amount is important and they are withholdin it without any justification. The check lost is an easy way of delaying the reimbursement.
|
| 04/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My Suntrust account is now closed and I need copies of statements from the month of XX/XX/2018 until time of closure, I do not have access to my online account as again, it is closed. I require these statements in a PDF file format in order to attach to a separate complaint against XXXX XXXX. XXXX XXXX stopped payment on a close out check in XXXX of 2018, which was deposited to my Suntrust account. A subsequent replacement check was sent and intercepted by a third party, cashed in my name without my conest or knowledge. The funds were stolen, XXXX XXXX refuses to reissue check for funds owed to me. These statements are required to show the intercepted check was not deposited into my account and is in fact overdrawn due to stop payment mentioned prior.
|
| 12/22/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I received a postcard mailing from SunTrust stating that I had selected ( opted in to ) overdraft coverage for my checking account ; I made no such selection, and had specifically refused overdraft coverage/protection when I opened my accounts. I spoke with a call center worker who corrected my selection to decline overdraft coverage/protection, but neither he nor a branch employee were able to say when or how my preference had been changed without my consent. Changes to my accounts - especially changes that cost me money and produce profits for the bank - should not be made without my consent, and there should be accountability when changes are made so that mistakes can be corrected, broken processes repaired, and malfeasance detected and sanctioned.
|
| 05/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a checking account on XX/XX/19. Sun Trust representative confirmed for me the {$500.00} promotion. I took care of all the requirements - 10 Debit card transactions, {$3000.00} in direct deposit and maintain {$25000.00} by XX/XX/19 Now they tell me it will take another 10 weeks to get my {$500.00} promotion.
WHY 10 WEEKS?????
A friend of mine received her {$600.00} promotion within 48 hours from fulfilling all the requirements at XXXX.
I am not willing to wait for 10 weeks. I need my promotional offer - {$500.00} - deposited immediately since we have met all the requirements - Acct. # ending in XXXX opened in XXXX, Ga. inside XXXX.
Stop dragging your feet, credit my acct. with {$500.00} by end of day XX/XX/19 No more delaying tactics.
|
| 06/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
On XX/XX/XXXX, I saw thousands and thousands of dollars going out o my checking and savings account. I called them. They told me to call the fraud dpt. I did. They kept letting it happen, and, {$13000.00} later, I have just over {$100.00} left. They will not return phone calls, they will not put the $ back, and in fact, now they're charging me for my balance being so low ... even though they're the ones that let that happen. I make special note this is the second time they've allowed this to happen ... I filed a complaint with you guys a few months ago for the same thing ... and about a month later, they finally put the $ back. Problem is ... this time it's all my , I have nothing left, having to borrow from family just to go to the grocery store.
|
| 05/11/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
1. XXXX credit if XXXX to old, closed debit card. Never received to my account. Given the runaround for almost a month now. They are telling me almost every time I speak to " tomorrow '', we do n't know, it " should '' have happened. They have stolen my money and gotten away with it. Today they refused to open a dispute for this money because they " could n't. '' Item 2. I had a service call LAST MONTH where the work was unsatisfactory and I was scammed. The bank 's alleged protection guarantee is essentially faudulent on everything. They do n't back anything. 3. I was ALSO a victim of identity theft and they sent me a FORM LETTER telling me to open a new account WITH THEM and closed my claim. They did n't take any of it seriously.
|
| 10/16/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
Older American |
|
I received an unsolicited, unauthorized and unwanted XXXX XXXX from Sun Trust. I phoned Sun Trust, spoke with XXXX XXXX who said she wanted to verify my complaint and would call me back. In the meantime, my grandson also received an unsolicited, unauthorized and unwanted XXXX XXXX. I phoned XXXX who said my complaints were " going up the ladder ''. After two months without hearing from XXXX, I phoned her to check the status. She said she would check again and get back to me. Not hearing from her, I called back. No answer, so I left a message requesting her to call me. Nothing! I tried many times to contact her with the same result. She would not answer my calls. I have the XXXX XXXX that were sent to me and grandson and both were ready to be used!
|
| 02/17/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
My tenant, in Florida, deposited cash to suntrusts ( Holiday branch ), night deposit box mid XXXX and again mid XXXX. What we didnt know was that suntrust stopped allowing cash deposits in XX/XX/XXXX. I contacted the holiday branch of suntrust and spoke to a rep, told them my problem. That I am in the XXXX and not in the USA until XX/XX/XXXX at the earliest. Since I spoke to a rep over a month ago, they have done nothing. No returned emails, no phone calls, no letters. Nothing. The amount was 2 deposits of {$700.00}. {$1400.00} in total. On the deposit slip was my XXXX XXXX, fl, account number.
Suntrust knows 100 % what has happened but are sitting on my money deliberatly and not transferring it from the Holiday branch to my account in XXXX XXXX
|
| 01/30/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage is with Suntrsut Bank. I am 14 months into an active Chapter XXXX. The mortgage lies outside the Chapter XXXX plan. I had made payments in full, ont time. In XXXX of 2019, the payment went up by almost {$500.00} per month. I feel this is egregious to anyone, let alone someone in my position. I had an initial conversation with the mortgage team at Suntrust who told me they could work on a modification plan with me. My attorney sent them the documentation giving permission for them to do this on two occasions. I never heard back. I was given an email alias only by the mortgage team to communicate with the Bankruptcy team. Several emails went unanswered. I have heard nothing back to this point.
It seems this is being done by design.
|
| 08/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I came into some money from a sale of property I received two checks in the mail on XXXX I want and opened a checking account on XXXX the banker XXXX XXXX from SunTrust informed me that I can cash the XXXX and put XXXX in my pocket and he would deposited the remaining amount with the deposit of the XXXX would be a total of XXXX and said the money would be on my account in the morning so I waited a couple of days and I wanted a car and looked around then I found one do on the XXXX I bought a car gave them XXXX cash and wrote a check for the remainder which was XXXX to total the XXXX the next thing I know my account was closed nobody knows nothing I would receive my money back in the mail now it's XXXX and still nothing haven't herd nothing.
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
In XX/XX/XXXX, I Filed claims for the unauthorized transactions where Suntrust Bank allowed additional transactions to be charged from the merchant on my account. I filed a subsequent claim and requested a block for the merchant and a written response for the action taken. The fraud case determination was not in my favor and i requested all documentation used in the determination or the case be sent in writing on XX/XX/XXXX. As of today I have not received any further communication on any of my requests, only denial letters which does not provide any new information. I am not responsible for the fraudulent transactions and find Suntrust 's lack of communication on the requests to be an admission of making case determinations without merit.
|
| 05/30/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
The day after my mortgage payment was do in XXXX my mortgage company started calling and harassing me on a daily basis. At least 6 times a day and I would hang up the phone with XXXX and another would call and a rep for mortgage co. told me if I want them to quit then pay my bills. They call late at night and on weekends. I called XXXX XXXX to pay XXXX mortgage payments in full and they refused to accept them, as they stated they wanted all XXXX. Which my payments are do the first and I was well with in my grace period. I was told not to fill out the hardship package because it would not do any good, Ive owned my house only 10 months not a year. I lost my XXXX job a month after I closed on my house and explained this to them over and over.
|
| 05/08/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
In XXXX 2015, SunTrust Bank notified us that they had returned a deposit we made to our checking account. The check for the deposit was not returned to the payor, but was actually paid when initially presented to the bank on which it was drawn. SunTrust 's return notice resulted in a negative balance in our checking account along with the pursuant penalties and fees. SunTrust has tacitly admitted culpability by voluntarily crediting all return and overdraft penalties and fees associated with this transaction. SunTrust has not replied to our XXXX written requests to remove the negative balance from our checking account. SunTrust will not explain how this paid deposit became a " returned '' item. Please help us get a response from SunTrust.
|
| 03/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
Suntrust Mortgage Company has accessed my account twice between my regularly scheduled billing cycles and has withdrawn an additional monthly payment from my personal checking account. I have a direct payment sent to Suntrust at the beginning of each month, however, they have been collecting an additional payment for {$2000.00} on the fifteenth of each month in addition to my regular payment. After a number of calls last month, they did return this amount to my checking account. Apparently though, they didnt correct the problem and withdrew the same amount this month. I have attempted to call them and have not been offered any easy solution to have them refund this payment. Needless to say, this is causing a hardship on me and my family.
|
| 01/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
On Sunday, XX/XX/2019 I attempted to withdraw cash from a Suntrust ATM, however, upon putting in my card, there was no option to withdraw cash. Assuming the machine was simply out of order, I drove to another Suntrust but encountered the exact same problem. Upon contacting my parents, I learned they had the same issue that day. So Suntrust was essentially making it impossible for us to access funds. I had to drive to another bank and pay a {$3.00} fee to withdraw money. Now Suntrust has charged me an additional {$3.00} fee for using another ATM. This is absolutely ridiculous- their machines aren't working and they are going to charge me for getting my funds out via another bank? This seems an awful lot like holding my money for ransom.
|
| 04/06/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
My loans went to collections, and I was garnished. I went through a program to get me back onto track, and get my loan into good standing. They said after 6 months of on time payments that they would end the garnishments, and my credit would be clear. I had to file bankruptcy. I called in to make my payment XXXX day, and they told me the program had been closed, and I had completed it in good standing. This was 15 months later. My loan never left garnishment. Now they want me to make a second payment every month after they have already taken the money out of my check. I just went back to college, and when I asked about a deferment during college they just moved my currently owed payments to the end of my loan, and are still billing me.
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On Sunday XX/XX/2020 I opened a Suntrust account and deposited {$300.00} dollars over the course of the following two days. On Thursday XX/XX/2020 I was unable to access my account. Upon calling customer service twice. Both times it was stated that my account was being closed and all remaining funds will be mailed after the investigation has concluded. On Friday XX/XX/2020 my employer deposited part of my paycheck into this account that should have been closed. Upon calling customer service again. They would not let me access my money and kept stating policy over and over again. This is unacceptable. There is more than {$700.00} in that account that I can't use until they conclude their investigation and mail my money if they even do.
|
| 11/18/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I represent my wife ( I am a XXXX XXXX XXXX XXXX ). Wife is the pay-on-death beneficiary of her father 's checking account with SunTrust Bank. On XX/XX/2019, her father died. On XX/XX/2019, I submitted paperwork to SunTrust Bank to close the account and forward the funds to her. No response from Bank. On XX/XX/2019, I sent a letter to the bank 's CEO via certified mail, which they signed for XX/XX/XXXX. I received a response directing me to send a " Letter of Instruction '' to the Bank. I did so on XX/XX/XXXX via certified mail, which the Bank signed for on XX/XX/XXXX. I have still not received the funds. Phone calls and emails to the Bank are not returned or responded to. In other words, the Bank seems XXXX bent on keeping our money.
|
| 10/19/2016 |
Yes |
|
- Credit decision / Underwriting
|
|
Web |
|
|
Applied to Suntrust Mortgage on XXXX/XXXX/16 to refinance our Suntrust Equity & existing Mortgage w/Seterus XXXX. The existing Equity expiring XXXX/XXXX/16 with a higher interest rate Plus a Revolving Line of Credit Fee.
A check for {$500.00} was written for an appraisal, We received our contract via XXXX everything was moving along fine, Suddenly XXXX XXXX was not returning phone calls, We received a letter from XXXX XXXX Banks requesting a third copy of our personal information and was later told XXXX XXXX was no longer with Suntrustt and could not find all the files previously sent. At this point we decided to refinance with XXXX XXXX and was told the appraisal was no longer valid and another appraisal was required.
. Thank You,
|
| 04/07/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Problems when you are unable to pay
|
|
Web |
|
|
In XX/XX/XXXX I financed my XX/XX/XXXX Chrysler 200 with SunTrust Bank and then in XX/XX/XXXX I sent payment, to pay my account in full. I then received notice dated XX/XX/XXXX indicating my account was settled and that my title will be mailed within 10 days. The 10 days extended to over a year and a half and then I finally received my title in XX/XX/XXXX. After receiving my title SunTrust then proceeded to take possession of my car, stating that my account was not paid.
I have since then retained an attorney and have to forced to rent a car and incur expenses and stress that I should n't have to otherwise deal with.
Attached are copies of my documents. I beg that my car be returned to me and that I receive reasonable compensation.
|
| 09/19/2015 |
Yes |
- Prepaid card
- General purpose card
|
|
|
Web |
Older American, Servicemember |
|
I received an unsolicited " XXXX '' prepaid card directly from SunTrust XXXX XXXX, FL ) via USPS mail. I reside in XXXX XXXX, California. A reasonable person would think that receiving the card this way infers that it was sent via a third party as either as gift or payment of a claim or refund.
Only after " biting '' and following the instructions given to activate the card was it clear that was not the case. Now I feel I have been " fooled '' as they have my phone number and codes I used to activate the card ... the card I then found had a zero balance.
It is important to note that this card carries baggage with it in the form their sharing if my information to other third parties and of very high fees for almost any transaction.
|
| 11/26/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
|
|
Web |
|
|
Searching to get a pitbull puppy on a private facebook page account. We selected a puppy and the guy said he wanted half up front and half later to get the dog for a deposit. We did not think this was going to be a scam because he knew so much about these dogs and he was on a XXXX account. We sent him {$350.00} on a mobile XXXX pay app. He deleted everything and his page and the site. We emailed SunTrust Bank right away for fraud and scam. They said there was no error on this case XX/XX/19. This was a complete scam and we trusted the XXXX page account since it was a private group. The transaction occured on XX/XX/19 for {$350.00} with a name of XXXX XXXX using our bank debit card. Please help us get our money back. This hurt us.
|
| 01/03/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I had my vehicle repossessed after losing my job with a remaining balance of {$8500.00} in 2015. Within a weeks time I reclaimed the vehicle and paid all fines associated with reclaiming the vehicle. I continued to pay the vehicle at the minimum payment of {$180.00} up to double to amount, {$400.00}, due per month. The vehicle is paid off and still shows on my credit report with inaccurate information. I attempted to call the bank but only get shuffled around departments and never to anyone who can assist with the issue. I have had multiple people tell me the bank does n't hold the account but yet it is reported as such on my credit. Not only has my XXXX credit report failed to change but I have also not received my lean release.
|
| 09/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Changes in terms mid-deal or after closing
|
|
Web |
|
|
On XX/XX/XXXX I purchased a used XXXX XXXX XXXX from XXXX XXXX XXXX and was approved by Sun Trust Bank that day for {$5500.00} - 60 months @ {$110.00}.
On XX/XX/XXXX Sun Trust Bank sent me a letter saying after careful consideration they regret to approve my request. However, they would extend a offer of {$11000.00} for 72 months?
I once had a checking account with SunTrust several years ago. I had gone in the bank and closed account. At the end of that month instead of telling XXXX XXXX the account was closed and the bank could not accept the automatic withdrawal. They charged my account up to {$200.00} in insufficient fund fees. When I paid XXXX with a money order the Bank got that money some how? I didnt have car insurance.
|
| 03/22/2017 |
Yes |
- Student loan
- Non-federal student loan
|
- Can't repay my loan
- Can't decrease my monthly payments
|
|
Web |
|
|
I did not finish my degree due to owing the school a balance. I owe this balance because I did not find out that my loan was denied in time to cancel my classes for that semester so therefore, i was charged the entire sum. I am making monthly payments.
Also, since I am not working at the position that I went to school for, I am not making enough money to pay the monthly payment on my private student loan. I also have XXXX which doesnt help matters. I have tried to converse with the lender to get an income repayment plan for a much smaller monthly payment or redo my loan to get the time extended which would bring my payment down. They have denied everything but a 3 month forbearance. I appreciate any help you can give. Thank you
|
| 10/10/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My {$1000.00} bank deposit was misdirected.
Overdraft Protection was not established as I requestedfor my Checking Account. It was posted as {$10.00} anddeposited into my XXXX child 's Savings Account, and the error wasnot found for over a week. This resulted in subsequent overdraftcharges totaling {$860.00}, and SunTrust Bank has refused to giveme a complete refund. I received only a partial refund of overdraftcharges, though I spoke with the Manager, XXXX XXXX and the Area Supervisor.
I want a complete refund of the {$860.00}, and the bank has refusedto do so. I called the FDIC and they directed me to ConsumerFinance Protection Bureau. I am the niece of a former XXXX, and have been trying to get this resolved forFIVE MONTHS.
|
| 04/17/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
XXXX County Tax collector returned my {$1600.00} to Sun Trust Bank in XXXX, FL on XX/XX/XXXX, electronically, to be returned for credit to my XXXX XXXX XXXX XXXX account, by the same means they received it that same day. Sun Trust Bank sat on the funds for four days before sending it back to my account electronically on XX/XX/XXXX via XXXX.
XXXX has not yet put the funds back into my XXXX XXXX XXXX XXXX account.
( Due to my week long investigations, I have learned that XXXX XXXX XXXX uses their own software to send funds over XXXX. If this is true, Sun Trust may have used the regular XXXX channel instead of the XXXX XXXX XXXX channel they received them on, and the funds are in limbo due to Sun Trust mishandling of them. )
|
| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
|
It was a XXXX XXXX XXXX on XXXX and XXXX who initiated the opening of the account for Sun Trust. I thought with credentials, reputation I could trust him. He has all of my information Social security number, ID, address, work address, this person has all of my information. I was the one to find it strange and contacted Sun Trust bank and investigation report number they gave me XXXX XX/XX/2019. It was odd for me. Sun Trust was no where near NY. I asked this XXXX XXXX XXXX XXXX XXXX if you see issues going on and you know the situation why have you not contacted authorities to report what you initially started. If you are being monitored and hacked then why not report the issue if you are under investigation. I got no response
|
| 09/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have 1 item pending on my account that would have overdrafts my account. I fully expected this.
But SunTrust charged 4 overdraft fees for items that processed overnight. None of the 4 items actually caused an overdraft. The only thing that would have caused it is the pending item.
How can you charge for items that are not overdrafts costing XXXX each or XXXX total?
As I'm sure most understand a pending transaction isn't a final transaction. The price could and will change, or completely go away. Or even a deposit could be made before the item even finalizes.
I have screenshots proving the 4 transactions did not cause overdrafts like the fees that were charged.
Fraudulent and misleading use of the overdraft system..
|
| 03/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
On XX/XX/XXXX suntrust was aware I was moving my auto loan to another bank due to issues with suntrust. XX/XX/XXXX the car was refinanced and they were paid off by check in full for the entire loan amount.
On XX/XX/XXXX my checking account was offset for XXXX dollars for the loan after the loan was paid off in full. Then they told me that they wouldn't reverse it. The loan was paid off in full of XXXX But SunTrust still debited my checking knowing the loan was already closed and paid off on the XXXX th. I have screenshots showing it was paid and they knew it was because they sent the pay off to the new bank. This is scamming someone's checking account to make extra funds. I want my money and also extra back for the trouble.
|
| 02/10/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have an account at XXXX XXXX and XXXX XXXX XXXX. My direct deposit goes in on Friday with XXXX XXXX AND XXXX XXXX XXXX on Friday therefore, on Saturday XXXX XXXX and XXXX money is in my account. But, Suntrust posts my money on Monday. There are people on my job who banks with Suntrust their money is availbale on Saturday to with draw out of their accounts. It looks as if the deliverably post my money on Monday to create fees. When made the direct deposit at the beginning of the account it was in there on Saturday. Now, they manipulate my deposits in the past 5 years to charge me fees. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX. Why is my money not deposit like my collegues at work. We all get paid at the same time.
|
| 12/14/2016 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Suntrust violated the Equal Credit Opportunity Act ( ECOA ) by asking me and refusing me a mortgage because I would not provide my divorce decree. As stated on the https : XXXX # suspect website, " When You Apply For Credit, Creditors May Not ... '', " Ask if you 're widowed or divorced. A creditor may use only the terms : married, unmarried, or separated. ", and " Impose different terms or conditions, like a higher interest rate or higher fees, on a loan based on your race, color, religion, national origin, sex, marital status, age, or because you receive public assistance. ".
The mortgage representative asked me over the phone how much I paid in child support and also told me she required my divorce decree in an email.
|
| 02/02/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust home equity line of credit statement cycle was XXXX XXXX, XXXX to XXXX XXXX, XXXX. Payment for this cycle, of {$690.00}, was made on XXXX XXXX, XXXX and is correctly reflected on this statement. Website incorrectly showed statement date as XXXX XXXX. Another payment for the following cycle was made on SunTrust website for {$690.00} on XXXX XXXX, XXXX and received on XXXX XXXX. That XXXX XXXX payment DOES NOT appear on the XXXX XXXX, XXXX statement. SunTrust also did NOT credit the payment for the current billing cycle, and claims another payment is still due. 45 minutes on the phone and XXXX different representatives, and repeated explanations, and no resolution yet. Claiming they will research and get back to me.
|
| 12/11/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing to complain about Suntrust Mortgage. They have taken payment from me and not applied it to my account. I have called numerous times and devoted hours upon hours to trying to get it resolved. My check has been cashed but not applied to my account.
I am getting the run around.
More so, they incorrectly have my property taxes. I had gotten it verified by my township tax assessor and sent it into them. They refused to adjust it. I requested they call my tax assessor directly to verify. They refuse to do so.
I feel they are being fraudulent and refusing to assist me with my loan. They have taken my money without applying it to my account. They are overcharging my property taxes. Please help me to resolve this.
|
| 07/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
On Monday, XXXX XXXX,2015 I received a notice from my mortgage company that monthly payment would increase by XXXX dollars. I contacted SunTrust mortgage company and was informed that the increase was due to my property taxes going up by over XXXX dollars. After learning this, I went in person to XXXX XXXX tax assessors office and the XXXX county tax office. At both locations I was informed that they had not provided SunTrust mortgage company with any tax information. And they did not have any idea where SunTrust mortgage was getting their information.
My wife and I are senior citizens. A XXXX dollar monthly increase in are mortgage payment would have a very serious impact on our lives because we live on a fixed income.
|
| 01/23/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
One of my checks was intercepted in the mail and partially washed and passed off at XXXX XXXX XXXX for {$11000.00} and cashed. I discovered the problem XX/XX/XXXX. I Moved most of the money out of the account into a new account and I have been waiting ever since for my financial institution to make it right. I have probably called 20 times to the institution to try to get an update and they just tell me its under investigation and refused to give me any more information. XXXX XXXX XXXX knows who committed the crime, when they did it, where they did it, and what the amount was. My bank is SunTrust and has given me very very little customer service. The firstPhone call they made to me was over 40 days after the incident
|
| 11/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I had a bill payer set to be paid from my suntrust checking account on XXXX/XXXX/2015 for {$940.00} to Suntrust Mortgage, {$180.00} for XXXX XXXX, {$50.00} to the XXXX XXXX XXXX. I XXXX my bill payer service on XXXX/XXXX/2015 ( 3 days in advance of these payments being sent ). Suntrust still pulled the {$940.00} from my account and then charged me {$36.00} NSF fees for the other XXXX items after there no longer funds in the account to cover them ( these were canceled in advance of the XXXX XXXX date as well ). As a result I accumulated {$570.00} in NSF fees from debits that occurred during the processing of these previously XXXX billpayers in addition to the {$940.00} that should never have been pulled from my account.
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
I signed up with Suntrust under promo code XXXX. It specifies " Earn {$300.00} when opening a new SunTrust Advantage Checking account. Then, within the first three full months after opening the account, complete at least {$3000.00} in Direct Deposits*, per statement cycle**, for two consecutive cycles.
Terms Apply. Offer valid for new personal SunTrust Checking clients only. A minimum opening deposit of {$100.00} is required within 14 days, and you must complete the direct deposit requirement as stated in the Terms and Conditions. The reward will be deposited up to 8 weeks after all qualification requirements have been verified. '' I met those conditions. Suntrust says the promo code was not attached to my account.
|
| 03/05/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Older American, Servicemember |
|
Following SunTrust Banks repeated mismanagement of our escrow account, My wife and I have been trying to get the bank to close the escrow account since XX/XX/XXXX. They have refused to do so.
On XX/XX/XXXX SunTrust sent a letter stating six ( 6 ) requirements needed to be met before they would remove the escrow account.
On XX/XX/XXXX we sent a letter by Registered Mail to SunTrust showing that all 6 requirements for closing the escrow account had been met and again requesting that they close the escrow account.
The registered letter was received by SunTrust on XX/XX/XXXX as evidenced by the registered return receipt.
As of XX/XX/XXXX SunTrust has NOT responded to our letter and has NOT closed the escrow account.
|
| 05/06/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My name is XXXX XXXX and I have been a client of Suntrust Mortgage for 5 years.
Within these years every 3-4 months I encounter problems with Suntrust. There is an ongoing issue with up front transparency as to what is need by me. One of the issues now is i 'm short in escrow and the payment is going up an additional ( {$200.00} ). Currently my budget can not sustain this waive of unforeseen changes.
I did a loan modification 4 years ago so why does my payment continue to go up back and forth.
I am frustrated to the point of walking out of this home and letting them have it. Any advice you can assist me with will help.
Suntrust Mortgage loan Number : XXXX XXXX XXXX, Home preservation counselor Phone number : XXXX
|
| 02/10/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
A fraudulent account was opened online in my name. Suntrust Bank was notified that it was opened and it was not me who opened the account. They " said '' they reported it to their fraud team for review and I would hear something within 24 hours or by closing time the next business day. I went to a branch of the bank to try and get help and my accounts were totally blocked. I spent 1 hour at a branch verifying my identity and I was told that only someone from the fraud team could unlock my accounts. I received no phone call from the fraud team within the 24 hours, so i called them. The fraud team at XXXX told me that they can not unlock my account, it has to be done in a branch. I STILL DO NOT HAVE ACCESS TO MY MONEY!
|
| 12/17/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
Older American |
|
My mother 's Sun Trust master card was used for two fraudulent transactions. One on XX/XX/XXXX for {$240.00} and one on XX/XX/XXXX for {$240.00}. Both seem to be the same. My mother has not used the card for either transaction. The fraud department says they've investigated and they keep insisting the charges are valid. I suggested they investigate my mother 's history with that card and clearly they haven't because if they had it would be clear that she did not charge either one of these. Someone at a restaurant perhaps used it before they returned it to her. Both charges appear to have been placed at XXXX XXXX. My mother is XXXX years old she doesn't travel and if it's a mall she hasn't been to a mall in 10 years.
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
XX/XX/XXXX the alarm company took a payment out of my account before authorized. XX/XX/XXXX I was charged a fee of {$36.00} and couldn't understand why. When I went back that is when I saw the payment error. I did a dispute and the money was returned XX/XX/XXXX but not the fee. Had the alarm payment not been taken out my account would have had enough money. I called and was told it would fixed. Well guess what it still hasn't been so my account was $ XXXX since SunTrust hadn't returned my money and had the nerve to charge me another fee today AND I don't understand why! I made a deposit before XXXX and it is not showing at all!! {$200.00} deposit. I don't appreciate the discrepancy on my account and them not fixing!
|
| 12/13/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX, I tried to purchase a money order for {$650.00} from the USPS located on XXXX XXXX XXXX. in XXXX XXXX, Texas. After USPS added its fee of {$1.00}, my total bill came up to {$650.00}.
After inserting my debit card ending in XXXX and entering my PIN #, the worker said the payment terminal " froze on her, '' and that I should try again. No receipt or money order was produced - I did not receive the money order for {$650.00}.
I tried to pay for the money order again two more times, and experienced the same transaction error. However, one debit of {$650.00} has posted to my account on XX/XX/XXXX for the money order that I never received.
I urgently need the funds returned to my account now.
Thanks.
|
| 08/03/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
An inquiry for SunTrust Bank appeared on my XXXX credit report, an inquiry I did not authorize. This occurred while there was an active fraud flag on my account.
I began by filing a dispute with XXXX, but the inquiry remained.
I then wrote a letter to SunTrust and asked that they remove the inquiry, but it remained.
I then filed a XXXX complaint on SunTrust. In response, SunTrust sent a letter stating that the information submitted on the application matches my contact information. That is not responsive - if someone is using my identification to fraudulently obtain credit, they are, by definition, going to use my information.
SunTrust has declined to remove the inquiry, and that is unfair and inappropriate.
|
| 01/26/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I applied for an auto loan online with XXXX, a Division of SunTrust Bank, via their advertisement on XXXX. They gave me the option to have my personal information forwarded to another bank in the event I was n't approved for their loan ; I denied the option. They did n't approve me for the loan, and made a " hard inquiry '' on my credit report which caused my credit score to go down. I knew my credit score before filling out the application. Why did n't they simply tell me the required credit score so that I could avoid the " hard inquiry ''? I suspect that they want people ( that they are going to deny ) to fill out the application so that they can earn a fee by forwarding their personal information to other banks.
|
| 11/08/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
|
|
I applied for a Credit Card with SunTrust Bank on XX/XX/2019 and Them was sent a letter on XX/XX/2019 saying they could not approve my card because they could not verify my address on XXXX.
I have lived at this address for over 5 years and my equifax has my address listed also. I have a provided a copy of my Drivers License.
SunTrust never requested further documentation from me to provide any type of verification that just denied me.
Now that I have provided verification I would like my application processed. I would like details on Suntrust process and procedures according to federal laws on how they review and process credit card applications. I hope I am not being discriminated against because of my address
|
| 09/26/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I have a Certificate of deposit at SunTrust which matured on XX/XX/XXXX. I called their customer service line ( included in their letter to me ) and they said I couldn't do anything until XX/XX/XXXX - even though the letter says in 3 places that the renewal date is XX/XX/XXXX ). On XX/XX/XXXX I went to the local branch ( XXXX XXXX/XXXX ) and was told that there was no reason I couldn't have withdrawn the $ $ $ over the phone on the XXXX. Then they said although the CD is for $ 87,000+, their new rules say they can't authorize more than {$25000.00}. This means they are keeping my money without giving me interest and keeping me from withdrawing it and re-investing it at another institution with better interest rates.
|
| 11/29/2017 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
We ( XXXX XXXX XXXX XXXX, PA ) emailed our customer in XXXX ( XXXX XXXX XXXX ) an invoice for professional services rendered. The customer responded to the email asking if we would accept a wire transfer for fees invoiced. We responded and said we would and never received any request for the wire information. Later we discovered that the email was hacked and the hacker sent an email to the customer with account information that was not ours but very similar. The customer wired the money from their bank ( XXXX XXXX XXXX ) to the account listed in the hacked email. The bank ( Sun Trust Bank ) that received the wire stated that the account that received it is now closed. The funds did not go to the intended recipient.
|
| 03/26/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016.
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit.
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this.
As of today I still have not received any explanation as to actually why they debited my account.
|
| 01/06/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.
|
| 06/24/2019 |
Yes |
- Debt collection
- Auto debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
My car was wrecked while parked outside of my home. A police report was filed and a part of the other car containing the vin # was found. The vin # reported back to a rental car from XXXX. I contacted XXXX who stated the person who rented the car claimed the car was stolen and they would not be accepting responsibility. My insurance ended up taking responsibility. I had full coverage through my insurance with XXXX as well as GAP insurance through XXXX. Both companies made payments, but Suntrust states there is still a balance on the account.
There should be no balance on this account as I made my monthly payments on time throughout the entire duration of the car loan, and had both full coverage and GAP insurance.
|
| 02/03/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I contacted SunTrust Mortgage to advise that they were no longer reporting on my credit report. I was advised that they do not report to the credit bureaus because they did not have a letter of reaffirmation on file and that I would need to reopen my bankruptcy case from XX/XX/XXXX and sign a letter of reaffirmation. I advised and sent SunTrust proof that they report on my credit report until XXXX as shown on my credit report I pulled in XXXX. I also, sent the recent credit report from XXXX to show they stopped reporting, and a copy of my bankruptcy petition showing that they were aware of my bankruptcy and electronically served through the registered agent at the time XXXX to come to the meeting of the creditors.
|
| 09/15/2017 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Please consider this correspondence to be formal notice that our mutual client is hereby submitting a complaint regarding the denial of loan modification because your company failed to provide the required notice of additional required documents within five ( 5 ) business days in violation of Regulation X, 12 C.F.R. 1024.41 ( b ) ( 2 ) ( B ). Therefore this client 's application was entitled to be treated as facially complete pursuant to Regulation X, 12 C.F.R. 1024.41 ( c ) ( iv ).
The lender was provided all docs needed for the loan mod review to be completed and are refusing to complete the review - the lender has also not allowed the time needed to appeal any decision of the review that is required by REG X
|
| 05/13/2016 |
Yes |
- Bank account or service
- Savings account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
My savings account @ Suntrust Bank in XXXX XXXX, Georgia was compromised in the amount of {$2500.00} on XXXX XXXX, 2016. It was transferred to my checking account without my knowledge or consent. The bank said there was nothing they could do. I am a XXXX, XXXX & XXXX in Origin. I reported the Fraud to the Bank & the Suntrust Fraud Division, and it is allegedly under investigation. I took out a Police Report in XXXX, GA. The Bank is taking a passive attitude towards my plight, because I 've worked so hard to save that Emergency Savings, and to see it all gone, and the Bank does n't care. I behoove anyone, especially XXXX to not use Online Banking, because your accounts will be hacked online. I am a living witness.
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I purchased a van through Sun Trust Bank in 2015. The vehicle was purchased for {$23000.00} Made 12 payments. after a year and half i had financial difficulties and the vehicle was repossessed by the bank. However after that the bank has been notifying credit bureau for the original amount even though I had made total of {$5700.00} and they sold the vehicle at the auction for {$9800.00} ( is what they told me ). I have been disputing wrong information with the bank and all three credit bureaus but the bank has been insisting on feeding all three major credit bureaus with incorrect information. Still, after countless disputes and calls I have made. So far no good luck. They do not want to correct the information.
|
| 06/10/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
My XXXX XXXX account was compromised and unauthorized wire transfer was made using my husbands debit card for a joint Suntrust Bank Account. I have since filed a police report and am working with Officer XXXX Badge # XXXX in regards to the charge. The information has been forwarded to XXXX XXXX at fax # XXXX Attn : XXXX XXXX. I was a victim of identity theft by a 3rd party and should not be held liable. According to XXXX XXXX, my Bank should be refunding me the unauthorized charge which Suntrust has denied because it seems like there seems to be a miscommunication between the two companies and neither company wants to be held responsible.
Please see attached correspondence with XXXX XXXX and the police report.
|
| 03/13/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
|
|
Web |
|
|
We are a XXXX mystery shopping company that seem to be the victim of phishing.
We are getting claims of us shoppers that they are contacted in our name to cash a check. And then probably transfer the money back to the firm.
They are being contacted thru email and we already got the domain name blocked by the domain provider.
And have send out a warning mail to all US shoppers signed up with us.
Attached you will find one of the checks the shoppers received and the letter that was send with it.
They are contacting the people thru XXXX ( XXXX ) XXXX and XXXX ( XXXX ) XXXX.
What can we do to stop this fraud? Is there a possibility to block these phone numbers or can we have the checks blocked by the bank?
|
| 11/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
Servicemember |
|
XX/XX/2019 - Around XXXX called XXXX XXXX XXXX at XXXX to reestablish online access. Was given a very difficult time and the refused to verify me even after providing my drivers license number. I would have to call my CPA to get the tax ID number for the LLC and they would not verify the last two deposits even though i was holding the paper statement and reading it to them. The supervisor was less than helpful and despite verification of my drivers license still would not move the process forward.
I am also being charged a maintenance fee when I have been trying to resolve a fraud claim and close this account.
Statements for XXXX show more fraud debit card transactions but were never provided by the bank.
|
| 11/02/2018 |
Yes |
- Checking or savings account
- Savings account
|
- Problem caused by your funds being low
- Late or other fees
|
|
Web |
|
|
I contacted my. Bank Suntrust. Friday XX/XX/2018. At work ; after seeing a repeated pattern of excessive fees reposted to my savings account. I was told that the transaction was reversed. I was told. " I had 6 times a month to transfer funds between accounts. The {$12.00} was never returned to my account. Instead another {$12.00} was taken out. In less than a month XXXX+XXXX+XXXX was taken out of my account. In less than a month. A total of {$30.00} was taken out of my savings account by Suntrust Bank. I now want to officially close my account with suntrust. And file an official complaint ; against Suntrust Bank. I feel so violated by this Bank ; as a client. My name is XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX
|
| 07/09/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
|
|
On XX/XX/2018 I engaged SunTrust to wire money to a recipient in XXXX. The " date of availability '' listed on my receipt is XX/XX/2018. The money has not reached the recipient and the recipient needed the funds by the end of XX/XX/2018. SunTrust sent out a tracer request on XX/XX/2018 to find out what has happened to the funds. SunTrust has used XXXX XXXX XXXX as a " pay through bank '' and placed an inquiry with XXXX XXXX XXXX. SunTrust claims that XXXX XXXX XXXX has not responded to its requests for information. It is now XX/XX/2018 and I have not received any information about where the funds are and SunTrust says that they can not tell me when XXXX XXXX XXXX will respond to its requests for information.
|
| 01/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
XXXX XXXX my XXXX XXXX deposited funds into my bank account and told me they would be ready in XXXX business days at my bank. All of the other students in my class received their funds as well already and I am the only one to not receive the funds. I called the bank SunTrust, everyday and e-mailed them and even contacted Headquarters to tell them that I was being denied the availability of my deposited funds. They never responded and every time I called customer service they kept asking how much it was and where it was coming from and they kept refusing to give me this information intentionally. It is the 6th day and the funds have not shown in my account and my school keeps confirming that it has been sent.
|
| 01/13/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
|
|
Web |
|
|
Suntrust Bank has held {$45000.00} in a ledger account and went on notice approximately XXXX XXXX, 2015. There was unlawfully holding funds they were not entitled to. Again two times the same thing happened and on the third check Suntrust exposed themselves by transferring the funds back into my account. I had to retain counsel to protect my interest and was n't even given statutory interest ( 4.75 % ). Suntrust gave me .6 % today when they FINALLY released my funds today for {$45000.00}. Also my counsel took XXXX % because I was totally neglected by Suntrust with all my emails since XXXX 2015 until I had to teatime counsel XXXX 2015. I find this unethical on Suntrust 's behalf and counsel and unfair to me.
|
| 06/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My husband and I opened an account with SunTrust and three days later could not get access to the account. We called SunTrust and they told us that they could not tell us why our account closed and that we needed to call the fraud department. The fraud department looked XXXX of us up and told us that nothing was flagged on our account and that they saw not reason as to why our account got closed. Next, we went into an actual brand and again were told that they could not tell us exactly why our account got closed and when we would get our money back. Every time we talk to someone they tell us that they ca n't give us a time when we will get *ALL* of our money back. This is ridiculous and no one will help us.
|
| 04/19/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
|
|
Web |
|
|
I received an email saying I was accepted by XXXX XXXX for {$8000.00}. I called the number and gave my information such as bank and social. When it was time for the loan they were going to deposit {$1700.00} in my account but I needed to send it back via gift cards. Lucky for me my account is on the minus XXXX. So they put {$960.00} in the account to make positive but theres a {$700.00} on hold to take out the would make the account - $ XXXX he told me that it was going to take 1 hour to process due and I asked if I should call back tomorrow. He said yes and that I would have to get gifts and send them as proof. So Im minus XXXX with XXXX in my account while thats a {$700.00} pending amount to be taken out
|
| 08/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I am consistently receiving bills to make payments on loans that were aold, closed, paid and have a negative status reporting on my credit reports. There are 3 different service providers trying to collect on these loans. I have been employeed in XXXX XXXX XXXX and filed for loan forgiveness however once I have successfully xompleted these programs no adjustments to the balance have been made and all old loans have reappeared along with XXXX, XXXX, XXXX XXXX and now SunTrust trying to collect. I do not know to whom I should be making arrangements with when all the companies are trying to collect. I am near homeless because I can not purchase a home due to how the credit bureaus are reporting these amounts.
|
| 07/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Suntrust Bank in XXXX, Georgia " apparently '' closed business checking account on or about XX/XX/2018. There was a balance of approximately {$3000.00}. This account belongs to a Collection Agency, specializing in commercial collections. Consequently, 75 % of the funds held DO NOT belong to the company, but belongs to third party clients.
We have telephoned Suntrust on multiple occasions and NEVER received any information. On XX/XX/2018 a certified letter was written to XXXX XXXX XXXX XXXX, President of Suntrust, sent certified mail, return receipt. The letter was received. As of today, XX/XX/2018 there has been NO response, and no funds received and nothing back to the clients whose funds were deposited.
|
| 07/28/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust Mortgage sends my mortgage statement more than 4 days past the grace period. For example ; my XXXX statement for which payment is due XXXX XXXX arrived at my home on XXXX XXXX. SunTrust mortgage has a grace period of no more than 16 days from payment due date. My statement is dated XXXX XXXX indicating the statement was generated 3 days after the grace period ended and arrived at my home 8 days after it was generated. This violates the rule stating that a mortgage servicer has to provide a borrower with a statement no more than 4 days after the grace period for the previous month has expired. My loan is a 30 year fixed mortgage which falls within the statutes of the lender statement delivery rule.
|
| 05/15/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This company, XXXX , sent me a letter and claimed I have unpaid amount {$380.00} to Sun Trust Bank . Except I do n't do business wit h Suntrust Bank. I visited Suntrust an d ask them if they have an account under my name, gave them my driver license and the letter from XXXX . Suntrust search and came back negative, they do n't have me as a customer, they also checked back dated to year XXXX , nothing. I also checked my credit report and verify a possible identify theft, again, nothing. Contacted XXXX , XXXX , gave them the reference # XXXX . Informed them they have the wrong person which they denied ... I asked how they get my record. They could n't give me an answer. XXXX XXXX XXXX
|
| 02/10/2019 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Fraudulent loan
|
|
Web |
|
|
During the loan application process with Sun Trust bank, the lending rate was revealed towards the end of the application process and was over 10 %! I never completed the loan application when I saw the rate. I was tricked into nearly completing the entire loan process before the rate was revealed. When the rate was revealed, I stopped the process, did not submit the application.
Sun Trust took my information and opened an account which was revealed on my credit report. When I contacted Sun Trust bank they said they would close the account.
This is similar to the XXXX XXXX debacle where a bank is opening an account under the customers name without approval.
AVOID SUN TRUST BANK. DECEPTIVE PRACTICES!
|
| 01/13/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I have an ongoing dispute with Suntrust Bank regarding unauthorized use of my debit card. Im waiting for $ XXXX+ to be returned to me that was stolen. I filed the initial claim over 3 weeks ago. Still waiting for credit. I received a letter from them today that theyre closing my account. So, they claim to have a zero liability policy. However, if you actually need to file a claim, their zero liability policy seems to disappear. AND they close your account on top of that. Thats some way to treat a customer. Or ex-customer as it is. Now, at this point, I really couldnt care less that they closed my account. The way Ive been treated I would have done it myself. I just want my stolen funds returned to me.
|
| 01/22/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
On Tuesday, XXXX XXXX around XXXX I visited Suntrust Bank , XXXX XXXX XXXX XXXX, XXXX , GA XXXX. The purpose for this visit was to cash a check written to me personally. The check was drawn on the business account of my employer which is a Suntrust account. I do not have a personal account with this bank. Suntrust refused to honor the check unless I paid a fee. I believe this to be a violation of the intent of Section 6000, Subpart 229 ( Availability of Funds ) of the Federal Deposit Insurance Corporation guidelines as well as the guidelines of the Office of the Comptroller of the Currency of the U.S. Treasury Department, as the holder of the account ( issuer of the check ) is a customer of the bank.
|
| 11/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
My son and I received the XXXX Mortgage Interest Statement-Form XXXX from Suntrust Mortgage , Inc. We noted in Block # XXXX that it reported {$5200.00} as " Mortgage interest received from payer/borrower. '' We noted that the XXXX Mortgage Interest Statement reported {$4700.00}. After making all payments in XXXX and the principal on the loan reducing, we do not understand how the interest paid increased from XXXX to XXXX when the principal decreased. By letter dated XXXX XXXX, XXXX to Suntrust Mortgage Inc., I requested a complete and detailed explanation as to why the interest paid on the loan increased when the principal decreased. So far no response! Phone calls to Suntrust have been unproductive.
|
| 05/20/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Settlement process and costs
|
|
Web |
|
|
I negotiated a HELOC loan with Suntrust Bank that my ex left me after divorce. I wired XXXX on XXXX XXXX, 2015. In agreement for the amount sent, I was to be released from the lien against my home. The letter for release never came nor was I able to close my home as a result. XXXX XXXX XXXX kept the XXXX and never released me. I have been in legal harm since his failure to cooperate with the title company to sell my home. I have called XXXX of times to multiple Suntrust departments but they have not been able to resolve the matter. I have incurred high legal fees and failed closings as a result of XXXX XXXX unprofessionalism of working with my title company and counsel to promptly resolve the matter.
|
| 10/31/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I filed a complaint with CFPB on XX/XX/2019 complaint number XXXX.After suntrust investigation , I received letter dated XX/XX/2019 denying my request to remove hard inquiry from all credit reports.I never gave Suntrust/lightstream permission to do hard inquiry ONLY soft inquiry.On my XXXX report it shows soft inquiry and hard inquiry from Suntrust.I only authorized soft inquiry knowing the impact from hard inquiries on credit reports.XXXX XXXX is totally wrong on her investigation.I requested a loan based on a soft credit inquiry with no impact.All my credit reports offer lightstream/suntrust loans on loans.These loans offered on credit reports are based on soft inquiries and current credit score.
|
| 10/24/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Lender trying to repossess or disable the vehicle
|
|
Web |
|
|
I made a partial payment In XX/XX/XXXX for my XXXX XXXX XXXX car. My regular payments are {$570.00}. The payment I made to Suntrust was for XXXX XXXX XXXX dollars which was due on the XX/XX/XXXX day each month. The remaining amount for XX/XX/XXXX payment is XXXX plus XX/XX/XXXX payment. The firm allows 11 days grace period for paymets at which I have been using since I purchased the car.They sent me a text message today stating they are resposessing the car for XXXX late payment. They have also deleted my account on the mobile application which affords me to make payments. This is unfair practices to repossessed a car for XXXX due late payment and deleting my mobile account so I cant make payments.
|
| 08/07/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
|
|
Web |
Older American |
|
On XX/XX/XXXX as requested by my builder I sent XXXX from my account at XXXX XXXX to Suntrust Bank in Florida XX/XX/XXXX -- -called builder -- did you receive funds -- he says I never sent that email XX/XX/XXXX Call XXXX they open an investigation XX/XX/XXXX investigation concludes with no funds returned to my account On or about XX/XX/XXXX I called Suntrust and spoke to XXXX XXXX in their compliance department she was not only rude but would not give you any information to assist we simply want to know where our money went and if we can get it back we are hard working people that can not afford this loss as we are building our home for our family I have the account numbers for the account involved
|
| 03/13/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I was at a Suntrust Bank location today and was ( I believe ) intentionally short-changed on a deposit. Fortunately, I counted my cash before I left the property, immediately went back into the branch and the issue was corrected by the same teller who did the original transaction. I am very concerned that this appeared to be a conscious attempt to defraud me. I tried contacting Suntrust Corporate to speak with their internal audit staff but their customer service was not able to help me. They did not even seem to know whether or not Suntrust had an internal audit staff. Suntrust website is equally unhelpful. The links to the Fraud and Security section are all addressed at external sources of fraud.
|
| 07/03/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Refund anticipation check
|
|
|
Web |
Older American, Servicemember |
|
WHEN CHECKING ON A NEW ISSUE [ XXXX XXXX XXXX XXXX ] TRANSFERS I CAME ACROSS ANOTHER FROM XX/XX/XXXX [ SUNTRUST ] ... THEY STATED THAT THEY HAD INDEED CLOSED MY ACCOUNTS AND REFUNDED MY FUNDS .... SADLY [ ..AS I JUST DISCOVERED TODAY XX/XX/XXXX ]. i HAVE NEVER RECEIVED THOSE FUNDS FROM SUNTRUST ... WHAT HAPPENED TO THEM! I NEVER RECEIVED NOTIFICATION FROM THEM VIA E/M OR USP MAIL THAT THEY WERE REFUNDING MY FUNDS THEY STILL HAD. WHAT HAPPENED TO THOSE FUNDS. ... IS IT TOO LATE [ TIME LIMITATIONS ] TO EVEN REQUEST INFORMATION OR CONFIRMATION ... I ( XXXX XXXX NOR MY DAUGHTER XXXX. XXXX ] HAVE EVER RECEIVED THOSE FUNDS. SHOULD SUNTRUST SHOW PROOF ... CHECKS WERE NEVER RECEIVED NOR CASHED! XXXX XXXX
|
| 05/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
|
| 03/19/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization.
Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
|
| 11/09/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Suntrust has made 4 hard credit inquiries on me and they show up on my credit report, resulting in a significant negative impact on my score. The hard inquiries occurred in XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. I did not authorize any credit inquiries either in writing or verbally except for the HELOC reapplication in XXXX XXXX. Suntrust is refusing to provide proof of my authorization and is refusing the remove these 3 unauthorized hard inquiries from my credit report. In fact, they refusing to even document that will not remove and not provide proof. This has been going on for several months now, and I am getting stonewalled from branch, region and central customer service contacts.
|
| 03/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Suntrust froze my account on XX/XX/2019 said was due to close account because is under investigation for fraud dept. I received wire funds for sale from estate items. Which was about {$34000.00}. The bank said it was closing my account because of rules and regulations. I received a notice XX/XX/2019 of the account closed. When I called the bank to see if my funds are being sent to me they are telling me now there is a hold on this until XX/XX/2019. This has caused me so much grief is there anything I can do to get my money. At closing of the account there was still XXXX in my account. The person who wired the money even try and call bank and nothing. Please I need answers and my money back
|
| 08/28/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Application denied
|
|
Web |
Older American |
|
I have been a customer of SunTrust Bank for over 25 years and up until XXXX, they handled all of my personal banking business. In XXXX, I opened 2 business banking accounts with SunTrust in addition to all of my personal accounts. InXX/XX/XXXX, I asked the bank to authorize credit cards for both of my business accounts. The 1st credit card was submitted and authorized without incident ; the 2nd business credit card application was submitted, and onXX/XX/XXXX, I was sent two, almost identical letters denying my request. The second letter specifically states that the reason for denial is " Age of Applicant ''.
I immediately reached out to SunTrust but have not heard back from them as yet.
|
| 03/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Suntrust Mortgage Took out XXXX payments from my escrow account for my property taxes but my XXXX Property Office only received XXXX Payments. I opened the case with Suntrust to research the issue on XXXX XXXX 2017 and as of today the XXXX payment is still missing out of my Escrow. In the meantime i was contacted via mail that my escrow account is short and the shortage must be paid. I was told that i need to pay extra {$350.00} a month for next 12 months to make up the shortage.
Therefore not only my escrow account is short of XXXX payment which didnt make it to my Tax collector but I also am forced to pay extra which seems like alot of money to come up on top of the existing mortgage.
|
| 05/25/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
On XXXX/XXXX/16 I deposited XXXX $ XXXX funds into my Suntrust checking account XXXX. On XXXX/XXXX/16 the bank withdrew XXXX $ for the exchange rate and continued to hold the entire {$5000.00}, overdrawing my account by XXXX $ and insulting me with an overdraft fee, in addition to leaving me no liquid assets to live on. By contacting the chairman of the bank on XXXX/XXXX/16 the error was finally repaired. However, now the bank has debited my XXXX account the XXXX $ on XXXX/XXXX/16 and has not credited my XXXX account the XXXX XXXX The only information they offer is that the funds will be available on XXXX/XXXX/16, six weeks from the initial deposit, leaving me no funds in either account.
|
| 08/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be deleted. im a single mother and i dont have much money. i really want to fix my account with XXXX and Suntrust never fully resolved account issues before closing the account and assessing unfair fees. i had duplicate charges from XXXX ( suntrust account was linked to XXXX ) i went into the XXXX XXXX, md banking center to resolve. the branch manager told me she would resolve but did not. i have many over draft fees on the account even after XXXX faxed in a letter stating the error. this is not in collections and needs to be resolved. i will pay whats owed
|
| 07/20/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust bank occasionally applies received payments for one month to a month prior. As a result they get XXXX payments for 1 month and no payment for another month. This results in late fees and a blemish on the credit report. Had multiple exchanges of messages with them via Suntrust internal " secure mail '' system. After I realized what they are doing and confronted them about it directly they did something really nasty. They blocked me from accessing Suntrust sites. Not only I lost the history of messages, but I also lost ability to check my statements, etc. Tried on many occasions contacting them via email, but I get automated response to use " secure mail '' for all communication.
|
| 10/24/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Confusing or misleading advertising about the credit card
|
|
Web |
Older American, Servicemember |
|
Opened both Savings and Checking accounts with Sun Trust in XXXX XXXX, XXXX. Requested regular XXXX credit card. Was given DEBIT card which looks exactly like credit card. Agreed to Overdraft Protection. BUT SunTrust " protects '' my account before I make a purchase, then charges me {XXXX} per deposit PLUS {XXXX} for " Overdraft item fee. '' I AM ATTEMPTING TO USE THE XXXX, NOT THE DEBIT! I am XXXX, living on Social Security, unable to pay these fees ( e.g. current statement : {$XXXX} in fees for accounts with less than {$XXXX} in each. I am a XXXX XXXX and hold a XXXX XXXX XXXX from XXXX XXXX, so am angry at this " bait 'n switch '' tactic. Have written yet again to the office in XXXX
|
| 09/11/2015 |
Yes |
|
- Communication tactics
- Called outside of 8am-9pm
|
|
Web |
|
|
I received a phone call at XXXX XXXX my local time, local to the address/zip code that my mortgage is through. When I answered the phone, the representative stated that she is with SunTrust mortgage and asked me for my social security number. She did not disclose that this was debt collection ( failure to use FDCPA miranda ) and I was very confused. She refused to tell me what the call was in reference to.
I called SunTrust and they disclosed that the call was an automated dial in an attempt to collect a debt. I had already submitted my payment the previous business day before receiving the debt collection call, and my payment was still within the 15 day payment window ( not late ).
|
| 11/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My company has checking accounts at Suntrust Bank. My online access was cutoff due to " incorrect password. '' I have a password manager program, so I know this is false. I called and spoke to someone in XXXX. I gave him the last four numbers of my company 's taxpayer ID number. He said it was the wrong number and the account was locked. I spoke to " XXXX '' his supervisor who said the same thing. My password did not change. Suntrust simply locked me out to force me to reset my password, then apparantly screwed up the paperwork they have on my company. It's now Saturday afternoon and all banks are closed, so I'm out of luck till Monday.
Please figure out what's going on. Thank you.
|
| 11/09/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
Servicemember |
|
We fell into financial hardship in XXXX of 2017. I am behind on my mortgage payments but I have been making partial payments to try and get caught back up. Sun Trust Mortgage knows my situation but they are continuing to make phone calls up to 5 times a day to the number provided. Obviously, someone 's financial situation does not magically change in just 2 hours between the phone calls. I have informed them of our situation numerous times but they continue with the calls. Like I state to them ... I am keeping the home and I will continue to make partial payments as I can financially afford them. I very much need to keep my home, and I am doing the best that I can to get caught up.
|
| 11/30/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have an outstanding issue which suntrust has already admitted that they have made a mistake and broken the law. They followed up w me needing more information which I faxed to them on XX/XX/2016. I did not hear from them for a month. When I finally called them they said the issue had been closed. I asked them if they had received my fax, why they would close the issue without calling or notifying me by mail. They said that they would get to the person handling the issue and get back to me in XXXX hours. I have now called them 3 times in a month and have received that same response. Nobody has followed up. The case number is XXXX. The contact at suntrust is XXXX. Her XXXX is XXXX
|
| 10/17/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
1. Around XXXX XXXX & before we started to get notices in mail & calls attempting to collect a debt that has already been satisfied with Suntrust Bank attached will be the XXXX recorded satisfactions/release while the judgement on this mortgage was left opened.
2. This predator/debt collector XXXX XXXX XXXX, XXXX was told several times the debt was paid but continued with their harassment of us. We even made the mistake of offering them an amount to settle which they claimed was being presented to Suntrust Bank & took time to approve, so they would leave us alone while also providing last 2 years IRS Form XXXX which Suntrust Bank told us was OK to release to them their attorney.
|
| 08/16/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Unable to get your credit report or credit score
- Other problem getting your report or credit score
|
|
Web |
|
|
Because of their hard inquiry on my credit, I've been denied a loan specifically citing this company as the reason why i was denied. the new company refuses to reconsider the application without proof. They want the official letter of denial from them. the letter is listed on their website, but gives no way to download or printer said form. The new company will now take any other form of the form besides the official PDF. so i can't copy and paste, i cant take a screenshot. the company insists there is a way to download on their site. I work in XXXX and i can promise you their site does not have a way to download the form. and they are refusing to be of any further assistance.
|
| 11/19/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
SunTrust Bank located in XXXX, Nebraska XXXX XXXX. XXXX XXXX has open without my permission account No : XXXX and they issued PIN XXXX.
SunTrust Bank has opened two more accounts in XXXX, Tennessee XXXX. Accounts ends with number XXXX and XXXX.
There is now way to talk to SunTrust representative in USA, all calls are redirected to XXXX or other country.
SunTrust had used my Social Security number and personal information.
I have never asked or gave permission to open any types of accounts at SunTrust Bank.
Would you please help me to solve Identity Taft by the SunTrust Bank.
SunTrust Bank SunTrust Bank XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX, NE XXXX XXXX, TN XXXX Phone XXXX
|
| 08/23/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Upon receiving my credit report today, I noticed many bank/car dealerships had my info and I have no idea nor did I give my approval for my credit to be run not once but twice a piece in 2 days. XXXX hard inquires!! This issue has dropped my score tremendously and it needs to be taken care of. As follows Also attached photos. I have written to all places and received no response on getting it taken care or proof of reason to run my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX Bank XXXX Suntrust XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Please accept this as a Qualified Written Request for ; 1 ) An unredacted copy of the letter addressed to XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX NC XXXX dated XX/XX/XXXX, for Property Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please, also pursuant to ... '' written request you are entitled to the following information : '' " Copy of the signed Note ''. Please accept this as a Qualified Written Request for a ; " Copy of the signed Note ''. For clarity, I am in possession of a copy of the XX/XX/XXXX " Promissory Note '', however, I have not been provided a copy of the " Note '' as referenced to in the XX/XX/XXXX letter defined above.
Thank you - XXXX XXXX XXXX
|
| 01/12/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
XXXX XXXX sent a Notice of Servicing Transfer, effective XXXX XXXX, XXXX my loan would be serviced by SunTrust Mortgage , Inc .
XXXX/XXXX/XXXX I called SunTrust and was told they had no information on me, my SSN or address. I was advised that I would receive a letter in the next few days from SunTrust.
XXXX/XXXX/XXXX I called SunTrust and spoke with XXXX a Customer Service Rep. She was able to provide me with my new loan number and advised me that for a period of 60 days from XXXX/XXXX/XXXX no payment was due and the no late fees would accrue. Still no written documentation from SunTrust. I want SunTrust to provide the proper documentation as required by Federal Regulations.
|
| 08/20/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I refinanced my Suntrust VA mortgage and successfully closed and paid off the mortgage in full on XX/XX/2019. OnXX/XX/XXXX, Suntrust drafted my monthly payment out of my checking account in the amount of $XXXX. This was in error and I have called 7 different people over 3 days and approximately 2 hours of my time to correct this and have the funds wired back into my bank but all attempts have not been successful. This has caused me financial hardship and is not ethical, nor should it be legal. As stated, my mortgage balance was paid in full and there were several days in between when they drafted the payment out. They have thus far refused to act to wire the money back to me.
|
| 01/18/2018 |
Yes |
- Student loan
- Private student loan
|
- Struggling to repay your loan
- Can't temporarily delay making payments
|
|
Web |
|
|
When I obtanied this loan in XXXX XXXX 2007 from Suntrust I was attending XXXX XXXX XXXX. The loan was a joint loan with myself and XXXX XXXX. The loan was suppose to have been put into forebarance and then a defferment due to me still attending school. I have other student loans that are in defferment due to me being in school as well. When I contacted Suntrust about the loan being in defferment they told me that it was.This loan has been reporting very negativley on all three credit reports and I would like the information to be removed. On my credit report it is reporting that I was late and I was not due the fact that the loan itself was suppose to be put into defferment.
|
| 04/02/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was originally a co-borrower with my now deceased husband in XXXX. I modified the loan after he died in XXXX. I lost my job in XXXX I asked Suntrust mortgage company for a modification on the loan, they refused and sent me a response giving my options for a short sale or foreclosure starting on the XXXX of XXXX. I work a XXXX XXXX job and the bulk of my money comes after the XXXX of each month. I pay my mortgage, but I 've accrued late fees. ( {$1600.00} ) I contacted XXXX XXXX, XXXX, the representative told me she could not discuss the loan because it 's still in my deceased husbands name. Suntrust never took my husband name off the loan.
What can I do to stay in my home?
|
| 10/05/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My husband deposited {$3500.00} into our joint checking account on XXXX XXXX ( Suntrust Bank ). The amount showed as a pending transaction, until I checked the account online the following Monday ( XXXX XXXX ) where I discovered the deposit had totally disappeared. I contacted a local branch and they initiated an 'investigation '. In the meantime my account was credited with a miscellaneous {$3500.00} and all resulting overdraft charges as a consequence of the missing deposit were refunded. Suntrust has not provided me with an explanation regarding the outcome of the investigation, nor has management responded to my complaint, or offered any compensation for the major error.
|
| 08/18/2016 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
|
|
Web |
|
|
My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much.
XXXX XXXX.
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
My Name is XXXX XXXX XXXX I write a check from my 401k account in the amount of {$50000.00} and deposit the money into XXXX XXXX XXXX XXXX XXXX Account and the check took 4 - 6 business days before it clear and the money was deducted from my 401k account. So XXXX XXXX XXXX transfer the funds to her Suntrust bank account and to my surprise $ XXXX with her SSI and health benefits and her Child support been held in her account from XX/XX/2017, and till now am filling this complain the money is yet to be released and under banking law fraud investigation only take 14 business days. Please come to my rescue and the poor woman so SunTrust can release the funds.
Case number XXXX
|
| 10/06/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Confusing or misleading advertising or marketing
|
|
Web |
|
|
XXXX was advertised on XXXX XXXX based on my credit scores as a place to apply for an auto loan. My XXXX XXXX is well above good. I filled out the various pages on XXXX 's page to apply for a pre-approval. In a matter of seconds, they responded with a rejection and placed a link to XXXX for this loan. It is my view XXXX is a phishing link for XXXX, they had NO intention to approve a loan based on the instant rejection. I have not been rejected by other lenders, rather I get offers each day for auto loans. Their web-site has no phone number to call either, no one to speak to. It is not a credible loan servicing company in my view based on my experience with other lenders.
|
| 02/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently received a new copy of my credit report and I noticed an account was placed with collections in my name that I have disputed as fraudulent or belonging to someone with a similar name. I had no knowledge of this debt yet " XXXX ''. has continue to report it to my credit file. I had sent a certified letter to the collection agency and to " SUNTRUST '' ( the original creditor ) asking for " DEBT VALIDATION '' and I never received a response back. I believe this account is fraudulent or belongs to someone else with a similar name. This debt is not mine and I've tried every option I could think of to fix this erroneous reporting of this account to my credit file.
|
| 01/09/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
My home flooded during Hurricane Harvey. I have flood insurance even though it was n't required. Suntrust is my mortgage company and it has been nothing but misdirection and half truths to deal with them. My home is 97 % repaired, they require 90 % or greater to realease additional insurance funds. I spoke on the phone today to a manager and he informed that the remaining countertops were structural and until the contractors paid invoice is submitted and the home is inspected again, no money will be released. Everytime I speak to Suntrust reprensentatives they tell a different story. They have made the process of getting my insurance money worse than the Hurricane was.
|
| 02/21/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
SunTrust bank Overdraft fee charged on XX/XX/2018 Called the customer service line Called dealt with 2 agents and 1 manager, all claiming they could not help with overdraft fee. Website clearly stated in terms and conditions *5 Overdraft and returned-item fees waived three per rolling 12 months.
Not one of them said that was their terms and conditions, when the manager finally found what I was referring to, he told me that is only for the Signature Checking account and that it was only for 2 fees returned. I explained that it does not say that anywhere on the website and he said well I will pass along as feedback that its is wrong. He said he would not be helping me.
|
| 08/18/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
We deposited a check into our business account. The check was rejected due to an internal issue with the issuing bank. That issue was explained to the receiving bank, Suntrust Bank. The funds were also released by the issuing bank to the receiving bank, Suntrust Bank. They refuse to release the funds and no one seems to know why. The rep that closed the deal the funds came from was not paid and has been evicted from her apartment. Suntrust bank continues to give us the run around and we 've done everything to verify the validity of the transaction. The issuing bank has also verified the validity of the transaction, yet our funds are still being held by Suntrust Bank.
|
| 05/16/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
1. In XXXX we received notification of an escrow shortage and specifing a new payment amount of {$1700.00} ( from the previous {$1600.00} ). We requested a second statement of mortgage payments and the anticipated shortage but have not received it as of XXXX / XXXX / XXXX . 2. In XXXX we received a mortgage statement for a payment of XXXX without any explanation. On XXXX / XXXX / XXXX I called t he Suntrust Mort gage and the agent said that on XXXX there was an adjustment and the payment should be XXXX . It makes no sense that the payment should change so radically in a one m onth period, especially since it was already adjusted in XXXX .
|
| 11/29/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
Back in XXXX I filed a complaint with Suntrust Mortgage regarding our house in XXXX XXXX SD. In which i got a response and submitted the required documentation needed to foreclose the house. I had a lady email me and said thanks we will start the forclosure process this was in XXXX. We have been in contact with our case manager at Suntrust and nothing has been done. She did n't even have the documentation that I had submitted. This company has been anything but helpful. We get nonstop calls nobody knows what the other person is doing. Seems to be in complete disarray and we are the ones that are getting belittled by this company. Something needs to get done. Thanks
|
| 11/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Hello, I am requesting assistance with SunTrust Mortgage ( SunTrust ). SunTrust carried the Note on our rental property at XXXX XXXX, XXXX, TN XXXX. Account # XXXX. I have requested on numerous occasion copies of paid checks for our Homeowner 's policy. Our Insurance Company ( XXXX ) is stating there is two payments which they have not received monies from our Mortgage company ( SunTrust ) for our yearly insurance premiums. I receive no response from SunTrust in regards to my request. I am requesting front and back copies of checks from SunTrust showing proof our insurance premium was made for our the following years XXXX/XXXX {$1400.00} and XXXX/XXXX {$1500.00}.
|
| 10/22/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I ' m filing a complaint against Suntrust Bank For transferring funds and closing business account without my authorization.
My business account funds were transferred in 2012.
I was out of work due to a head injury and going through rehabilitation. For sometime I've been looking to locate XXXX XXXX XXXX account ; A business partner went to Suntrust to transfer funds into a unknown account.
I was not in agreement to this transaction and I did not sign anything in agreement to this unauthorized transaction. I reached out to Sun trust about this serious matter with no response.Suntrust has a record of the amount of funds transferred ; without my authorization.
|
| 11/06/2017 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I withdrew cash from a non-SunTrust ATM in XXXX, XXXX from my CHECKING account and was charged {$3.00} by the non-SunTrust ATM for a balance inquiry for my SAVINGS account. I never performed an inquiry for the balance of my savings account. The non SunTrust ATM charged a fraudulent fee to my Savings Account in the amount of {$3.00}. I would like for the CFPB to perform an investigation to determine how how the non-SunTrust ATM was allowed to charge me for a service I did not request. I would also like for the CFPB to perform an investigation to determine why SunTrust allowed the non-SunTrust ATM to deduct a fee from my savings account when the fee was fraudulent.
|
| 01/30/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I became behind on my last months mortgage which was due XX/XX/XXXX. A XXXX unidentified call kept showing up on my phone - It turned out to be my mortgage company Suntrust - I talked to them and told them I had previously requested a HAMP package from their XXXX office - they stated they had to ask me to pay the amount of last months payment asap and that they would call EVERY DAY until they were told by the HAMP office that they did not need to or until I paid it. They have called every day sometimes more than once a day since. I consider this harrassment. I have already sent my paperwork for the HAMP into the Suntrust office via mail. Please help me stop this.
|
| 11/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I contacted SunTrust to upgrade my current account type from it 's " Everyday '' Checking to the " Select '' Checking which they now offer. I qualify based on my monthly direct deposit threshold ; however, as the person I was working with began to make the changes, she informed me that my current SunTrust XXXX Debit Card would be cancled and that it was eligible for this account type. Per my review of SunTrust Disclaimers online, their Fact Sheet and Brochure, no where does it state that the XXXX Debit Card is ineligible in this account type. Having the Select Checking account type would provide me some benefits such as Non- SunTrust ATM Withdrawls at no charge.
|
| 01/06/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
Hi, I found a seller online on XXXX by the Name XXXX XXXX. His email address is XXXX. I purchased XXXX XXXX XXXX tickets from him and paid him from my SunTrust account via XXXX. I was able to receive the ticket but when I went to the park the tickets were void and they informed me that a chargeback was made on the card through which the tickets were purchased. I contacted my back and they informed me that they are unable to do anything with it as XXXX has no fraud protection. I would appreciate if I can get any assistance with the refund. I also have sellers phone number XXXX. The amounts that were sent was {$550.00} and {$35.00}.
Thank you, XXXX XXXX XXXX
|
| 01/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust Mortgage is not recognizing my account with them established online. Entering correct username and password produce message that they do not recognize me. Going through their forgot username/password routine produces questions re : loan number, SS # and security question/answer. Entering accurate information produces error message that they do not recognize account. Calling them produces response that customer service is only open from XXXX XXXX weekdays. Unacceptable for an online information account. If they do not recognize my loan number and account, I suppose I no longer have to recognize that I have a loan with them and can suspend all payments.
|
| 07/09/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
The suntrust HAMP settlement form arrived does n't list the correct amounts due me & my now deceased co-borrower and does n't list a " loan review '' which is necessary as I only missed XXXX payments over the entire life of the loan but have had the loan stretched additional XXXX years and XXXX added to balance due. In the catagories XXXX and XXXX according to settlement letter, are incorrect. Stating I had only XXXX trial periods during my loan modification process, I had XXXX sets of loan documents and XXXX different trials periods over the course of XXXX years, which I made all payments on time. I have all documentation of loan docs, letters, contacts, etc.
|
| 05/16/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I requested that my bank remove my PMI. They instructed me to pay for an appraisal, which I did. The appraisal was submitted with a range of values for my house : XXXX $ XXXX . Suntrust bank chose the lowest value in that range and misrepresented that value labeling it as the " 90-120 day '' value even though I spoke with the appraiser who confirmed the 90-120 value he submitted was XXXX . I believe it is wrong, and perhaps a violation of the Homeowner 's Protection Act, to allow a bank, whose interest is in collecting PMI for as long as possible, to select a value when given a range that benefits them and may not actually represent the true value of a home.
|
| 07/03/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
Hello, I am in the process of a dead in lieu for a property with XXXX mortgage lenders listed on it. I was told by the XXXX Lender XXXX XXXX XXXX they will take care of notifying the XXXX mortgage ( Suntrust ) on the dead in lieu.
XXXX sent me a letter requesting for authorization from Suntrust.
I called Suntrust and was told they have never heard of this arrangement and was put on hold many times because they did not exactly what a dead in lieu is and the procedure for it. I kept being asked to make a payment, which I can not do since I do n't have the funds to do so. Suntrust is very uneducated in their products and procedures when a customer calls them.
|
| 01/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
SunTrust a few weeks past sent my wife a new card. She was inconvenienced and let in a bad situation because she couldn't get gas when she learned it was canceled. No text or email notification was sent. Now they sent her a new card and did the exact same thing.
They have our email, text, phone information, any method of communication they need to reach us, but make no effort to assist and communicate.
Then when I ask why the card was canceled they claimed a merchant compromised but would not provide any information about the merchant.
Some things not right and the process need to be changed. My wife could have been at a restaurant when this happened.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was reviewing my an account and noticed a payment from XXXX two days ago that put my account in negative and was not even supposed to be taken out.So the his messed me up in depositing money as I was unable to cover this and what I was originally depositing into account to cover so as a result my account was charged a excessive overdraft fee for {$100.00} and today found XXXX did not even clear when it had time when originally submitted into my account plus another {$36.00} overdraft fee.I fear another {$100.00} plus {$36.00} will be added during the night aether I put money into account later today or not and wipe half my paycheck out just for this mess.
|
| 09/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I opened a checking account on SunTrust 's website and used a debit card from another bank to fund the account. The following day, I was advised, by SunTrust, that the account had been 'flagged ' and would be closed. No reason was given. Multiple inquiries, by phone and in person, resulted in my being referred to SunTrust 's rules and regulations which state : 'The Bank may close your Account at any time and for any reason or for no reason without advance notice. ' It took another three weeks to have my funding deposit refunded. I 've been unable to find anything on my credit report or XXXX file disclosure that might indicate why the account was closed.
:
|
| 09/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
Suntrust blocked my card from any type of transaction, locked me out of the app and then closed my account. The account was in good stands, no overdraft. They simply pursue this method because I didnt go to the bank with my id to state my employment situation, of which I told them on the phone that currently I was a stay at home mom. I have this same account for over a decade. I called them today and nobody cant tell me where my money is, I will have to call Monday. It is a disgrace that a bank can wreck my finances like this, I am lucky that I have credit card otherwise I wouldnt have access to any cash until I get, if I get, the cash I had in my account
|
| 11/06/2016 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
Suntrust Bank and its affiliated debt collection companies have contacted me through mail and phone numerous times over the past year. At XXXX point they were calling me daily and getting letters once a month. I have sent XXXX certified letters explaining that this is not my debt and provided information showing that this is not my debt as I do n't match that person 's social security, date of birth, place of residence, place of employment, etc. They continue to contact me through various other collection agencies for the same debt. I have spoken to XXXX representative as well and given her my required information and still my issue has not been resolved.
|
| 09/24/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
We purchased a home in XXXX and were underwater by XXXX ; received a modification which took months, but eventually had to list the home for sale in XXXX. The process with SunTrust Mortgage took over a year and a half to resolve with them asking for {$120000.00} to close. We said we did n't have that so then they asked for {$60000.00} ; we could n't do that, but the bank said we would need to sign a promissory note at closing. We felt stuck and did not want to disappoint the buyers, so we agreed. Currently, we are ages XXXX and XXXX and still paying from our pensions on a house we had to short sale in XXXX XXXX. We need some advise and assistance. Thanks.
|
| 07/18/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
|
|
I seen a pair of XXXX XXXX concert tickets I notified the person about the tickets, we went back and forth about how to do payment and I asked gentleman to send proof of e-tickets and he did.I then called him about the tickets he told me I can transfer the tickets through ( XXXX ) and that I can go through my Mobile banking app ( Suntrust ) .I opened a account on XXXX thinking my bank had my back and transferred the money of XX/XX/XXXX day of the concert.Soon as money was sent I called seller to see why my tickets were not sent, call didnt go through and was on block.I then realized it was a scam.I called my bank immediately to stop payment they couldnt.
|
| 09/27/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have an equity line of credit or a second lien on my home through SunTrust. After 10 years of paying the loan and never missing a payment, the repayment period has ballooned the monthly payment to the extent of creating severe hardship for me. I asked Suntrust to rework/refinance the loan so I can get an extended period to pay this back. They denied the application which has put me in financial hardship. I feel that Suntrust is not being equitable or practical in considering my loan application. The first mortgage payment is {$1600.00} to XXXX XXXX while Suntrust is telling me I have to pay them {$1600.00}. This is unreasonable and not feasible for me.
|
| 06/19/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had deposited a check and it seems that it was returned and they blocked the account and have not provided me any information as to why and my direct deposit from my job was sent to this account and they ignore every request from me as to an explanation why I spoke to a customer service rep on the phone they tell me I had to go to the branch I went and they dont want to tell me anything tried to speak to the manager he paid no attention to me in the XXXX XXXX branch.
all they state XXXX is that they are doing an investigation at XXXX is was supposed to be 10 days for that and they will send my funds but as of yesterday now they state 30 to 120 days.
|
| 10/26/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST BANK has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 07/05/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I have had a long running dispute with SunTrust on a modification I entered into in XX/XX/XXXX.
SunTrust has sought to foreclose and I have vigorously objected to the action.
I have been blocked from the mortgage payment website for over a year.
I received a letter from Suntrust in early XX/XX/XXXX ( to be attached ).
I called SunTrust to find a workout as outlined in the letter but was informed that they can't talk to me. I want to save my home and SunTrust isn't helping me workout a settlement.
I believe SunTrust isn't sincere or truthful about the workout scenario by their own letter and that they haven't called back or replied in 2 weeks.
|
| 12/17/2019 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. Moreconfirmation of the aforesaid item too. My proper request mustover, I was never 30 days/60 days/120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
|
| 08/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I pay my bills every month online. One month with this particular company i paid my bill online and got notice that they received the payment only to get notice 30 days later that they never received the payment and they were putting a 30 day late pay on my credit report. I notified them that the website assured me that i did! They told me that happens from time to time and apologized but they could not change the 30 day late from my credit report. What? I have attempted to get the late pay removed from my credit report thru the bureaus but had no success so i am reaching out to you. It is keeping me from getting the best interest rates, Please help.
|
| 02/05/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XX/XX/XXXX debit card refused for food to go. On XX/XX/XXXX Account balance shud have been over {$700.00}. Contacted Suntrust and was made aware of many check card purchases leading to overdrawn balance. Submitted fraud claim XX/XX/XXXX. Much contact and submitting of claim forms, police report etc has followed. All result in letters stating SunTrust denies the claim. I have notified them of the fraud the same day I became aware of it. The first denial letter is dated XX/XX/XXXX. The charges and loss of all funds are due to criminal identity theft and this account is one of many challenges I face as a result of the criminal who has victimized me.
|
| 10/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
This is the second time I have had fraud on this account. I called Suntrust and they told me the claim was refused because the MERCHANT said I had business with them. Suntrust never provided me with any documentation proving I had business with any merchant. I do not believe Suntrust did any investigation.
The first time Suntrust claimed the fraud was out of the statute of limitations. It was not.
Suntrust has a habit of not honoring fraud claims. The second case was done on the internet. I tried doing my own investigations but I could not locate the businesses.
The case number is : XXXX.
This bank needs to be investigated for their practices.
|
| 10/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Don't agree with the fees charged
|
|
Web |
|
|
XX/XX/XXXX - Current student loan principal balance : {$35000.00}, with interest : {$45000.00} XX/XX/XXXX - Original student loan principal balance : {$12000.00}.
XX/XX/XXXX - Department of education sells my loan to Suntrust.
XX/XX/XXXX - Suntrust DOUBLES my principal balance, claiming it to be a finance charge.
Started as a {$13000.00} loan, I have made AT LEAST {$13000.00} in payments ( NOT OF WHICH ALL HAVE BEEN ACCOUNTED FOR ) and I now will end up paying an additional {$100000.00} to repay this loan in full. This does not seem legal at all! How can Suntrust legally double the principal of my loan under the guise of 'finance charge '?
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I was discriminated and treated unfairly by suntrust, because of these two other banking employees and a district manager at XXXX XXXX XXXX XXXX. Who has been spreading untrue things against me and getting other banks to deny me a checking account. Because XXXX XXXX has such hate and malice against me and my mother that she thinks we do n't deserve a checking account. I know she has influenced them to close my account. And they 're recent attitude towards me. I have every right to be angry and outrage and the way I have been unfairly discriminated against. I ca n't even have a bank account because of XXXX XXXX and her defamation of my character.
|
| 03/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
When I was in college I moved around alot. My identity was stolen using cards and other information that came in the mail. I had opened an account with Suntrust and they sent my card to one of the old addresses. Someone tried to use my card and Suntrust then placed a fraud alert on my account. I contacted them and told them what happened and they would not remove it. They will not even send me a letter or anything telling me if I owe them or not. This is causing me a lot of pain and suffering. I have not been able to open an account anywhere! They will not even allow me to dispute it. I have went through XXXX XXXX XXXX and they are still no help.
|
| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Please add this addendum to my current account complaint number # XXXX : I checked the box below, and want the CFPB to publish this description of my original complaint on consumer finance.gov, so others can learn from my personal experience.
Also, I should have mentioned that when XXXX XXXX, SunTrust Executive Services, called me on XX/XX/19, she advised me that she was recording the over 30 minute call. I would like, and give my permission for the CFPB to obtain that recording, during which I explained in great detail what happened, will also indicate how upset I was as a result of the screw-up by the SunTrust teller.
Thank you, XXXX XXXX
|
| 11/20/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Had a mortgage with Sun Trust. We would make payments and they would cash our checks, however they would not apply our payments to our loan, they would put it in what they called unapplied. They would in return mail us a check back drawn on their bank. We would have to deposit the check into our account and send them another one. They would apply that one to our loan however, they would charge us a late fee and reported it as late.
We have made numerous calls to Sun Trust and requested them to look in to this. They said that they did but would not remove it from my credit report. I feel that this is borderline a deliberate act from Sun Trust.
|
| 09/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Traveler's check or cashier's check
|
- Problem with customer service
|
|
Web |
|
|
About 4 weeks now I have been getting different information from different agents with in the suntrust customer service. I deposited a check, in which they closed the next day I was advised that the account will be closed with in the next 5 days and that I will have a letter sent out stating why and I will receive my check I have not received my check and I have been getting the run around in regards to getting my money I would like them to give me my money to pay my bills I dont have anything. Their basically taking my money and have failed to disclose why my account is on hold. They have failed to let me know anything in regards to my funds.
|
| 04/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I never received my escrow statement along with the refund check for {$77.00}. I contacted SunTrust by phone and after almost an hour wait the agent said they would reprocess the escrow statement and check and it should get to me in the next 2-3 weeks. I waited over a month and had not received the document or check from SunTrust even though my escrow account was debited back on XX/XX/XXXX. I followed up by sending a secure message through online banking on XX/XX/XXXX and the only update I received was directing me to a site that no longer exist to receive updates. I would like a copy of my escrow statement along with my refund check I am due.
|
| 12/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Suntrust closed my account immediatly after i deposited a check n XX/XX/2019. I have been repeatedly lied to by them, first they told me it was closed then they told me it wasn't, then they told me it was under investigation, then they told me i would receive my money in 15 business days, then they told me it was frozen. The check i deposited was from my sister who gave it to me to pay my bills, i havnt been able to pay my bills, my phone is disconnected, i cant buy food, and it is XX/XX/XXXX so Suntrust bank has kept my money for over 1 month and they will not give me details. I havnt been sued so they have no reason to be doing this to me.
|
| 08/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have the following companies and XXXX know that I have seen many unrecognized and unauthorized inquiries into my credit report that I did not do. I have yet to recieve an response from XXXX or the companies regarding my request to remove/investigate these inquiries. The inquiries in question are ; Sun Trust Bank : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX,XX/XX/XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX : XX/XX/XXXX
|
| 02/10/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My hazard insurance renews this month, and I decided to change carriers. I advised Suntrust Mortgage ahead of time of my decision, had my new carrier provide all of the required information to Suntrust, and advised Suntrust NOT to pay my old carrier. Suntrust ignored my request and paid my old carrier anyway. Now I 've got a policy I do n't want, a new carrier who has n't been paid, and Suntrust refuses to help me. I want the premium they disbursed to the wrong carrier refunded to my escrow, the correct carrier paid, and some sort of compensation paid to me for all of the time I have had to spend trying to unravel this mess they 've created.
|
| 01/28/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been paying the essentially the same price on my mortgage for a few years now. Today ( Saturday PM ), I get a my escrow statement from Suntrust Mortgage and they are telling me they expected me to pay the cost of my PROPERTY TAX for my Home Owners ' ( the last three years, my Home Owners ' has been over double the cost of my property tax ). This essentially means they have allowed my Escrow to dip into a HUGE negative balance and now expect me to shell out a lump sum of XXXX or pay an extra XXXX/month. The statement reads like a large clerical error and now NO ONE is around to help me out at the " convenient '' time I got the letter.
|
| 08/05/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
Suntrust Bank charged me {$95.00} for a debit card that was cancelled and replaced and which they had previously agreed would not be charged for. After discussions with both local bank staff and their XXXX headquarters customer service, they still charged for a service that had been discontinued. This is typical of the fee driven banking practices of Suntrust and their poor oversight and controls.
Consumers need to be aware and alert to extra charges slipped into accounts in hopes no one would catch them. The bank obviously has serious ethical and management issues and should not be trusted to treat customers with respect and integrity.
|
| 08/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I requested information from my mortgage company to provide to NYS Housing Map.
The application was approved by the state to assist in providing financial assistance for default taxes.
The state has requested information from the mortgage company and to date has not received it. Once the mortgage company provides the state with the information needed, the state will payoff the default amount of taxes to the mortgage company.
I have contacted executive services several times and no one will return a call.
This situation now puts my residence in jeopardy of foreclosure because of the banks lack of information to provide to the state.
|
| 12/14/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
When my loan was originated it included an escrow for XXXX items : 1. property taxes ; 2. Homeowner's/Hazard Insurance ; and 3. a private water and sewer fee. The loan has been assigned to Suntrust Mortgage and they claim that they are not setup to pay the private water and sewer fee. Customer Service hands me off to the tax department, the tax department says I need to talk to the customer service department. I have sent them a copy of the bill, they have a copy of the HUD-1, they can not give me a time frame for their response. The bill is due by XXXX/XXXX/2016. They refuse to give me a time frame to have this reviewed and resolved.
|
| 08/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
I banked at Suntrust Bank for nearly over a dozen years without incident. Moved another business account there. After moving that account there, I was told to close ALL my accounts - checking./Savings & credit cards. It appears that one officer of this business has negative credit with Banks. I removed that person and severed all relationships. However, SunTrust has discriminated against me because of who I used to associate with. By closing my Credit Card, it shows on my credit bureau as " Closed Account by Creditor ''. This has adversely affected my credit standing in an immense way. I am asking that SunTrust reopen my credit card.
|
| 06/27/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I brought items through XXXX from under my SunTrust account and never received it. Come to find out the person who was selling me the items was fraud. He deleted his site and now the phone number I have is cut off. I called my bank because I used XXXX through them once so I felt as if it was safe and I was protected especially since I used it through my bank app. My transaction has the person name and all that I sent it to so im not understanding why they cant dispute it. It was a transaction for XXXX dollars and another for XXXX dollars that's too much money for me to just throw away like that. This transaction was made on XX/XX/19
|
| 02/22/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I took out my mortgage in XXXX 2009. At that time, P & I, homeowner 's insurance, and property taxes came out to approx. $ XXXX/mo. Since 2009, my mortgage has increased each year to where it now is $ XXXX/mo. During that time, my property taxes have gone from approx. $ XXXX/yr to $ XXXX/yr and my homeowner 's insurance has increased from approx. {$550.00} to {$630.00}. Based off of my calculations, since I put down over 20 % when I bought the house and do not need nor have PMI, I am being overcharged each and every month. I have called Suntrust Mortgage but have not yet received a call back from them explaining this discrepancy.
|
| 12/18/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We had a contractor replace our roof & gutters due to hail around XX/XX/18. XXXX XXXX XXXX paid via check but Sun Trust Bank ( who our Mortgage is through ) needed to endorse it. I mailed Sun Trust the check on XX/XX/XXXX and we still dont have it back ( today is XX/XX/XXXX ). They are giving us the run around and we have done and provided everything theyve asked for. The money was due so we had to pay the contractor out of pocket {$8000.00}. Sun Trust needs to give us our endorsed check. They are horrible to work with and Ive called them daily. They wont return calls. Each rep tells me something different. Please help. Thanks.
|
| 01/31/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
XX/XX/XXXX my wife and i filed chapter XXXX. We kept making our car payments and mortgage payments. We completed the chapter XXXX XX/XX/XXXX and we called Suntrust mortgage to ask them why our account showed {$0.00} balance, payments were not reporting since XX/XX/XXXX. I opened up a dispute XX/XX/XXXX and received a response today. They are not going to report to any bureau my never missed, never last payments to Suntrust.
I called them today and they said it was a law that they can not do it. I am appealing you to allow Suntrust to report my 5 years of making payments and putting the correct account balance on all 3 bureaus.
|
| 01/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I currently have a first and second mtg with Suntrust Mtg co from XXXX Va.
In XXXX XXXX I applied for a Mtg modification. I requested a mtg modification due to reduction in income from retirement. On XXXX XXXX, XXXX I spoke by phone with the modification debt, XXXX and XXXX, they advised of additional information needed. They were n't really helpfull just reading from a script. Then on XXXX XXXX I received a letter indicating that my application for modification was turndowned. How can one day add info is needed and then it 's turned down. I 've called for the rep assisgned to my application but never able to get thru ( XXXX )
|
| 08/27/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I have had a mortgage for many years, and the escrow has always been adjusted once a year with either an increase in the escrow or an escrow refund ( depending on taxes ). That escrow rebalance has always been done in XXXX with the new payment in effect as of XX/XX/XXXX. My last re-adjustment was in XX/XX/2018, with an increase in payment for the tax escrow on XX/XX/2018.
Even though these adjustment are supposed to be once a year, the bank just increased my escrow amount effective XX/XX/XXXX - the second increase in just a couple of months. So I guess this means banks can now increase escrow payments any time they want to?
|
| 04/11/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I was XXXX XX/XX/XXXX and did not receive income for approximately 5 months. Suntrust placed my mortgage in their home preservation department. I have submitted the same paperwork numerous times and every time they need something else and then the packet expires. I sent 2 full mortgage payments 3 weeks ago based on what I was told by the company, wire to wire transfer, and I received the money back because they will only accept the full amount. I received a letter 2 weeks ago stating my packet was complete and this past Saturday I had to fax pay stubs and today I got a call stating I did not complete 1 of the forms correctly.
|
| 10/24/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Suntrust is unjustifiably withholding a promised promotional reward that I earned. Pursuant to Suntrust 's promotion " Advantage Checking Online Reward Q2 2019 ), I fulfilled all the criteria for the advertised {$500.00} bonus. Specifically, I've maintained a {$100000.00} balance with Suntrust for well over the required 90 days ( from XX/XX/2019 to present ). The 90-day period was satisfied as of XX/XX/2019. The 8-week processing period elapsed XX/XX/2019. In an online chat, Suntrust 's Customer Service representative confirmed that I met all the criteria to receive the {$500.00} bonus. A transcript of that chat is attached.
|
| 02/28/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I transferred XXXXUSD from Suntrust Bank ( XXXX XXXX XXXX ) to XXXX XXXXXXXX XXXX onXX/XX/2018. The Reference Number is XXXX. Unluckily the banker in the Suntrust Bank made a huge mistake on the recipient bank number, so that I can not receive the money in XXXX. I also phoned the Suntrust Bank ( XXXX XXXX XXXX ), but nobody answered.The XXXX XXXX XXXX also sent a letter to the bank, asking for an amendent letter for the correct recipient bank number as soon as possible. Otherwise the money will be refund to Suntrust Bank ( XXXX XXXX XXXX ). I am so worried. Please help me XXXX this case. Please contact me by email ( XXXX ).
|
| 10/24/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American, Servicemember |
|
Time is of the Essence to this request. Friend needs emergency XXXX. Friend was robbed and attacked and has XXXX XXXX, XXXX, XXXX needs XXXX. I started a Wire Transfer XX/XX/2019 for emergency XXXX for a friend of mine of XXXX $ Reference # XXXX at Suntrust Bank in XXXX XXXX, Va. Suntrust has some arrangement with XXXX XXXX in New York to be the intermediary. I contact XXXX and they refused to check status. I contacted Suntrust same result.
I sent wire expected quick delivery.
Please prosecute, penslize and take enforcement action.
I paid fee of {$40.00}.
My friend is going to die unless funds are transferred asap.
|
| 04/20/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Suntrust Mortgage continues to charge me $ 20/month for a property inspection when the account is less than 45 days late. It has been disputed to no avail. This is on top of the late fees. I am also receiving mail from XXXX XXXX XXXX XXXX ( XXXX ) claiming that they have been hired by Suntrust to " Advise '' me of this debt. I have contacted Suntrust, by phone, and Suntrust claims that they have not hired XXXX. I have sent a drop-dead letter by certified mail to XXXX. They have continued to send me mail and XXXX actually showed up at my house on Saturday, XXXX/XXXX/15 requesting my driver 's license to verify information.
|
| 08/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I opened a suntrust account XX/XX/19 and deposited {$400.00} in savings and {$800.00} in checking. Today XX/XX/19 I cant use online account so I called they said my account will be closed. No provided reason and no access to my money. I called three different departments went to branch in person an tried atm. They would not give me info or my money. Ive had no money for basic needs lol gas, for, shelter I have no other way to get funds. They said I will get a check in mail of my money in 7-10 days after 5-7 day investigation. They refuse to help me or allow me funds to survive.. I did nothing wrong.. Im a hard workin RN!
|
| 11/10/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Credit decision / Underwriting
|
|
Web |
|
|
I have a current mortgage loan with Suntrust Mortgage , Inc. about 7 years ago I had some late payment and they began to report me as a XXXX as they were starting the Foreclosure process. After about 12 months of working with them, we reached a resolution and I began to make my payments on time. My problem is that since that time, they have HARMED my CREDIT stating that they Foreclosed on my home and that mortgage which is entirely incorrect. They now are harming me from buying a new car or home becuase lenders believe i had a foreclosure in the past. I am still in that home and have not missed a payment in over 6 years.
|
| 08/16/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
In 2011 my debit card was lost/stolen I had just moved to XXXX Ga. The bank contacted me ( SunTrust ) and asked had anyone used my card? I responded no as I checked my wallet and noticed my card was n't there. So someone had used my card, deposit checks and withdrew money. They were to do an investigation but know one contacted me after a week so I was guessing that everything thing was ok but it 's not. This issue is stopping me from opening a bank account at XXXX Bank. I called XXXX the lady advised me that it showed that 's it 's clear but it 's still showing up. I want to get this cleared as soon as I can. Thank you.
|
| 10/14/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
SunTrust Mortgage has foreclosed on my home. During this process they were required by law to give me an option to rescind ; XXXX The form was never provided to the consumer of our right to rescind at the beginning or during the process. It is important for all these alleged creditors to abide by TILA to make sure our constitutional rights are protected. We still have not received this form from SunTrust Mortgage. Where is the consumer right to due process according to TILA outside of the court. Making us aware of this situation would have provided us a proper relief rather than going through the embarrassment of court.
|
| 11/13/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I had a natural disaster in my area and my insurance company provided payments to make repairs. The payments were made to myself and the mortgage company, SunTrust Bank, since there was a loan on the property. The mortgage company has only released a portion of those funds are preventing me for completing the repairs. I have called multiple times and sent in receipts substantiating repairs to no avail. They want to repairs to be complete and inspection prior to releasing funds. I have completed as many of the repairs as I can using my own funds but am quite frankly out of liquid cash and need them to release the funds.
|
| 05/28/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I 've been a member of Suntrust Bank for over 15 years. I have a checking account with the bank and I recently had several overdraft fees on my account. I reached out to the Customer Service Department about removing some of the fees and they stated since I have been a long time customer and since I have a direct deposit that the fees can be removed. And the conversation that took place XXXX XXXX, 2015 the representative stated that I would see the refund posted back in my account within 24hrs. I never got any refunds. I made another call to the bank and got transfer from XXXX representative to another and that was it.
|
| 04/20/2017 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I received a quote for a 10/1 ARM in the amount of {$700000.00} at a rate of 3.325 %. A rate lock agreement with this rate was signed. A few days later, I received an email stating the rate would no longer be honored and it was being increased to 3.475 %. The bank stated they had not done their due diligence in determining which types of loan rates I would be eligible for. I had selected the bank for its low rates and the rate should have been honored instead of providing a bait-and-switch once I completed an application and signed a rate lock agreement. No one should be subjected to this type of predatory lending.
|
| 08/11/2015 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Trouble with how payments are handled
|
|
Web |
|
|
I XXXX XXXX co-sign load for my son XXXX XXXX. Set up paper work.
Loan wat to start after he got his first job. Paper work took very long time. This is with XXXX XXXX XXXX. We XXXX sign the loan.
They said due to it took so long. We would have to sign load 2nd time. So we did. They What the did not say is the loan was changed the load so payments would sartin 30 days. Did not know this and had to pay penalty.
Then I find out Suntrust went into my account and set up autopay.
I am the cosigner. They did not ask to do this. I let it go. But next payment did not come out. Now they want me to pay for late chargeagain.
|
| 05/03/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Fraudulent loan
|
|
Web |
Servicemember |
|
I have contacted suntrust by mail asking for verification that loan still exist, and ask for full disclosure of said loan such as the securities created from the loan and information on the bank legal ability to loan money. Along with copies of all records they have on loan ledgers. Without due process of law and vertication of in writing they had a recovery company call me to pickup vehicle. Which I understand that after asked for this information they were to contact me in writing. They never contacted me of any of their intentions. Recovery company number which suntrust had call me XXXX ( XXXX ) XXXX
|
| 07/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
My personal information was used without my knowledge and because of several phone calls from creditors that did not belong to me, that prompted me to check my credit. According to XXXX and XXXX XXXX my personal information was exposed in both of their data breaches. XXXX, then confirmed that I was one of the individuals whose data was exposed twice this year alone. To date, I have noticed that there are several inquiries and credit accounts that were not requested by me were listed on my credit report. Ive filed an Identity theft report with the FTC and a police report. The FTC Identity Theft Report number is XXXX
|
| 10/26/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
On XX/XX/2016, I realized that my ATM card was used without my authorization.
I contacted SunTrust Bank to report the problem.
I received immediate credit, there after a week later the credit was reversed out of my account, where the SunTrust Representative stated that the charges were in fact valid.
I sent rebuttal statement to continue to have the matter resolved with no success.
I filed a police report to hold the responsible party who used my card without authorization accountable.
The lead investigator for SunTrust Bank is stating that I was the primary user and that the claim has been denied and closed.
|
| 05/24/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Struggling to pay mortgage
|
|
Web |
|
|
My primary residence was going through possible repossession, then short sale with XXXX ( XXXX XXXX XXXX XXXX ) fr om XX/XX/XXXX - XX/XX/XXXX . Was able to do modification later on. However, the new mortgage is for 40 years. Suntrust Bank h ad a second mortgage and XXXX me stating Debt Forgiven. Date of identifiable event by Suntrust is XX/XX/XXXX . This was a taxable event and had to be filed with the IRS. A recent title search revea led Suntrust is still showing as a lienholder on the property and title. I am looking for Suntrust to remov e themselves as lienholder on the property.
|
| 08/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Attempted to deposit {$240.00} at Suntrust authorized ATM ; {$60.00} was returned. Submitted a claim the following day and received a temporary credit of {$180.00}. About two days I ago received a letter that claim was denied. I called the fraud department and asked if cameras were used when investigation was conducted, manager said that he was not the one that conducted the investigation and could not say for certain whether the camera was reviewed. He did advise that I can submit a rebuttal form ; which I did. That process takes 60 days to process. I also requested the documents as to how determination was made.
|
| 10/04/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that SUNTRUST has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. Moreover, I was never XXXX days in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask your confirmation of the aforesaid item too. My proper request must as soon as possible and confirmed to be correct. Thanks!
|
| 10/19/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Settlement process and costs
|
|
Web |
|
|
I filed a timely claim form to the National Suntrust Settlement Admin and have verified thru their toll free # that the claim form was received via their website. I have been periodically checking the status thru the automated system and have spoken directly to several different representatives and as of today, the only information being provided is that the deadline to file was XXXX/XXXX/15, checks are to be released XX/XX/2015, and that there is no further information or an exact date for payments to be issued. Are they not bound by any law to distribute payments to eligible borrowers w/i a specified timeframe?
|
| 06/23/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I have had my checking account for over 10 years. Its a maintenance free account. For the past 3 months Suntrust started Mysteriously charging me a maintenance fee of XXXX dollars.
When I complained about it they refunded the money but then the next month they did the same thing.
XX/XX/XXXX {$10.00} FEE XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} Fee XX/XX/XXXX refund {$10.00} FEE XX/XX/XXXX {$10.00} FEE In the 10 years of this account I have never signed up for any maintenance service and don't want any now. Suntrust owes me a refund for XX/XX/XXXX and I want them to stop this cycle of Fee/refunds.
|
| 01/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
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|
We have been in our home for 2.5 years and have done a lot of work on it. We have a conventional, fixed rate mortgage to which we initially put down 10 % at closing. We have contacted our mortgage provider in order to obtain a reappraisal because we believe the value of the home has increased and that our loan to value should give us at least 20 % equity in the home. The mortgager ( to whom our mortgage was sold by our original mortgage company ) stated that because we have not been in the home for at least 5 years that our loan to value must exceed 25 % equity. Is this consistent with Homeowners Protection Act?
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| 10/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
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|
Web |
|
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On XX/XX/XXXX the bank charged me an overdraft fee for an account that had a positive balance. This in turn caused another transaction to overdraw the account by the value of the fee ( {$36.00} ) and XXXX cents on XX/XX/XXXX. I have overdraft protection with the bank and more than 34 cents in my savings account but less than 36 dollars at the time. Without the first fee I would not have been levied the second. On the XXXX I contacted the bank to resolve this and they dropped the first fee but did not, however, drop the second. I wouldn't nickle and dime this sort of thing if every nickle and dime didn't matter.
|
| 06/28/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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I applied for Suntrust 's Home Preservation program last year when I was on XXXX. After finding out the specifics of the program, I asked to be removed. I have asked again this past Spring and was told I was going to be removed after 6 months which would have been XX/XX/XXXX. My mortgage is not 30 days behind. I made my XX/XX/XXXXpayment on XX/XX/XXXX. On XX/XX/XXXX I received a call from the Home Preservation program. When I call in they say they are attempting to collect a debt. I have asked more than once for them to stop calling me and have messages asking to be removed from the program. This is harassment.
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| 10/08/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
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I contacted Suntrust Bank for the payoff amount for my mortgage. I was told it would cost {$15.00} to fax the information. It could be given verbally or mailed for free.
I was then told I had to send guaranteed funds to pay off the loan, not via online payment or a personal check. I have made the monthly payment online and they were happy to take it. It seems unfair to pay for a wire or casher 's check to be required to pay off the loan. They also do not credit the escrow funds to the payoff amount, you have to wait for them to mail it later.
It seems they are making it difficult to pay off the loan early.
|
| 10/07/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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|
Web |
|
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statement is attached with this complaint.
bank charged multiple overdraft charges, they cleared the larger checks first and pushed the account in to overdraft, they did not pay the lower amounts first. i should have been charged overdraft fees only once, rather than multiple times. i believe this is creating you to pay too much extra money. they have unjustifiably charged me about ten times the fee. also they charge extended overdraft fee.
this has been happening for several years, i have talked to the bank on multiple times, they continue same practices. this is very negative and detrimental to consumer.
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| 07/12/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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|
Web |
Servicemember |
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Suntrust Bank allowed XXXX XXXX company to withdraw XXXX from my checking account. This was not an authorized transaction. I pay my XXXX insurance bill online monthly and authorize the amount myself. Suntrust and XXXX have violated the Privacy Act and has charged me an additional {$36.00} for overdraft fees. I spoke with XXXX and they were able to refund {$240.00} to my checking account, but not the full amount due to " limited data or information ''. This transaction was completed from my Suntrust Check card which I did not authorize. SunTrust stated the transaction was authorized by me, but with no proof.
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| 08/16/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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|
Web |
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On various occasions i have overdraft my personal bank account. My pay day falls on every other saturday. As per bank policy i understand overdraft fees will be assessed. On my payday i have received text message from the bank advising me of available balance with the overdraft fees already being subtracted. On monday morning when i got to check my bank account i have been charged with extended overdraft fees. This is a glitch in the banking system but it has been costing me and no one can seem to help me i have called the bank customer service and have gone to the bank and no one wants to reverse the fees.
|
| 02/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
|
Reference : Everyday Checking Account ending in XXXX XXXX XXXX XXXX ( XXXX ) Case XXXX Consumer Financial Protection Bureau ( CFPB ) Cases XXXX and XXXX The issues with this account have negatively affected my life and my business because this blemish has affected how banks treat me. As stated in previous communications, this account was supposed to be handled and made positive but the banker handling it was no longer working there in the middle of the process. I paid the company despite knowing I truly did not owe the money. I just want it removed from XXXX. I'm prepared to take legal action if necessary.
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| 06/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
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|
Web |
|
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I responded to an promotion from SunTrust Bank to open a new checking account. The promotion was to award me {$200.00} when I had performed a direct deposit of at least {$2000.00}. I did XXXX such direct deposits within the first 60 days, yet SunTrust has not awarded the bonus. The " Promotions '' department says that I do not qualify but will provide no reason why. The local representative at the bank has said that according to his records, I do qualify. I have not received a promised call from the person responsible for this promotion with final resolution. The bank owes me {$200.00} and has not paid it.
|
| 06/11/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Confusing or missing disclosures
|
|
Web |
|
|
I called my bank on today what is Suntrust and I was calling about my check cards theyre trying to tell me that the information that they have a new system doesnt match the billing ZIP Code and I said what half that possible when you all send me my statements to the same address every single month. So I just love how Suntrust took it upon yourself to change it in the system the address I have for one card should be the same address for the other car but somehow mysteriously the addresses got changed Im not understanding hot as possible it is been the same address when I open up the account three years ago
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| 03/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
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|
Web |
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On XX/XX/XXXX, {$560.00} of available funds were in my checking account with SunTrust Bank. These funds were frozen and the account was closed. Through multiple phone calls and meetings with the branch manager, I was advised that even though the account was closed, the funds were unavailable to me and would not be available for up to 14 business days. This is completely unreasonable ; I have bills and rent to pay and holding on to funds that were deposited from my employer puts me in a major hard place. I have accounts with other banks and have never had anything even remotely close to this happen before.
|
| 04/19/2017 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
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Sun trust bank is charging me over draft coverage charges. I have no overdraft coverage on the account and have file complaints in the past about this illegal practice. Further, there should not have been any over drafting because ample money was in the account on the day in question, XXXX / XXXX / XXXX . I personally electronically transfer money from my XXXX XXXX account to the Sun trust account before XXXX on that day. There was no over draft because I do no have over draft coverage. If there is insufficient funds then the transaction should be denied. However there where sufficient funds.
|
| 08/21/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
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|
Web |
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I paid my car loan off with SunTrust bank in XXXX 2014. To date they report to XXXX that I owe them & XXXX. They mailed me a lien release letter & I have title to the car! They insist their records are accurate. I 've been fighting with them since XXXX, personal visit to bank, phone cal mail & fax letters! I just received a letter today stating my account is being reported accurately. Help, this is lowering my credit score! I'am at my wits end. XXXX removed this from my file, XXXX is still showing {$11000.00}! Help please, I 've paid dearly due to the real estae crash & I want this cleared up. Thank you.
|
| 10/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
|
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Contributor : SUNTRUST BANK Contribution Ref # ending in : XXXX Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Checking Account Fraud The issue concerns the fact that SunTrust bank has incorrectly classified my account as fraud. I have not committed fraud in any manner. I have not submitted bad checks or performed any other type of activity that would constitute checking account fraud. I have contacted the EWS agency and they have viewed the information. However, I have not received any response. The incident date is incorrect because the incident never occurred.
Thank you
|
| 06/22/2016 |
Yes |
|
- Customer service / Customer relations
|
|
Web |
Older American |
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In XXXX 2016 I made an over payment of {$25.00} on my Corporate credit card. Sense then ( XX/XX/XXXX ) I retired and surrendered my card and the account was closed. On XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX. I called SunStrust requesting a refund, each time I confirmed my mailing address and was told the check would be sent. Twice I was told the request was sent to the wrong dept. or the check was mailed to the wrong address. The last time I was told the check was mail on XXXX XXXX and I would received it within 10 working days. I do n't want call them any more 5 time should have been enough.
|
| 03/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
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I use online banking for bill paying. A payment went to my son 's apartment for his rent and was apparently stolen since the facility never received the check. The funds came out of my account and the check was clearly not endorsed by the facility as previous checks had been. I called Sun Trust fraud XXXX XXXX to explain this issue. I have called, gone into the branch numerous times and still after calling today have no resolution. I had to pay the rent again since the facility needed the payment. I am out the {$710.00} and Sun Trust keeps giving me the run around as to why I was not refunded the money.
|
| 03/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
On XX/XX/XXXX I went XXXX XXXX and applied online. I look it XXXX XXXX and tried send Credit Union and you could not send it XX/XX/XXXX at XXXX XXXX. So Saturday, XX/XX/XXXX I tried it again and I could not again. So I want too XXXX XXXX XX/XX/XXXX XXXX XXXX, Account Credit Union XXXX, XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX, Tx XXXX and Social Security number XXXX. I apply XXXX XXXX XXXX {$19000.00} and gave them $ XXXX {$14000.00} total. I apply of 3, so I took XXXX XXXX Account # XXXX, Sun Trust Bank. It took them 2 hour and not able approve XXXX, Tx. Credit went down XXXX XXXX and XXXX XXXX.
|
| 04/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I paid my mortgage on time. I actually paid them extra money by check. When I went to my bank they had drafted extra money from my account without my authorization. This is the second time they have done this. A few months ago I paid {$850.00} cash money to them. The next week I had checks bouncing all over the place because they kept the cash AND took another {$850.00} from my personal bank. How do they do that? I did n't authorize my bank or them to take ANY money from my personal bank. This is affecting my reputation and my creditworthiness. In fact it is damaging to my reputation in the community.
|
| 06/16/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My spouse wrote me a check for XXXX on a business account using my name instead of the business account name. She marked out the address preprinted on the check and wrote in the correct address. I deposited the check via the ATM not realizing it was written to me instead of the business. My wife 's credit union paid the bank as the funds were available. Sun Trust bank flagged the check as fraudulent and began an investigation. I provided all of the appropriate documentation to clear up the mishap, the bank finally cashed the check and closed my business account. The bank has smeared my creditability.
|
| 11/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
I purchased a house about 5 yrs ago and in doing so I took out an FHA loan at which I was told would protect me in not buying a house with problems, that the FHA loan will make sure everything was on the up & up. Since I been in this house the roof has been leaking as well as the pipes rusted and bad the structure of the house is off. I have had my insurance company look at the house and they wo n't do nothing cause the say it was already there, I feel I was unfairly informed about this house being that I was a first home buyer. I was told differently about this house from the seller when buying.
|
| 06/20/2016 |
Yes |
|
|
|
Web |
Servicemember |
|
XXXX was sent to me. But only XXXX was ordered online vie XXXX in XXXX XXXX. Also my wife was present doing the ordering of XXXX XXXX. SunTrust credit card XXXX reimbursement the XXXX credit my account ending in XXXX XXXX XXXX. But in XXXX XXXX XXXX they had XXXX debited my account XXXX. Stating that information sent to me via XXXX concerns XXXX Questions XXXX XXXX XXXX S/T credit card letter was not sent in time before XXXX/XXXX/XXXX. That 's a lie it was sent at a Suntrust bank branch office in XXXX GA. XXXX/XXXX/XXXX at XXXX pm XXXX pages status OK. Fax number XXXX XXXX XXXX in XXXX FL. XXXX.
|
| 07/27/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
This is the second complain that I'm filing and I wont stop until I get transparency from this lender and the CFPB does something.
The situation has even gotten worst since my first complain. My original complain was that suntrust wasn't applying my over payment to my principal balance. Now suntrust is charging me late fees? HUH someone explain if my monthly note is XXXX and i pay XXXX biweekly on auto draft ( never bounced ) how can i be late when suntrust in writing replied to the CFPB that i had made three payment in advance in my account.
Someone from the CFPB needs to look in to this.
|
| 07/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Servicemember |
|
I have credit inquiries in my credit report that I did n't authorize. I 've sent letters to some of the creditors and they still have n't remove the inquiry off my credit report. I also sent them a letter to prove to me that I authorize the inquiry on my credit report and I still have n't receive nothing.
The inquires are listed below.
1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XXXX XXXX XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XX/XX/XXXX 4. Suntrust Banks of FL XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6 XXXX XXXX XXXX XX/XX/XXXX 7 . XXXX XXXX XX/XX/XXXX
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
Sun Trust Bank.
I deposited multiple checks from an employer.
One check XXXX {$17.00} was accepted, then a few days later returned due to : Closed Account I was charged a {$12.00} overdraft fee for funds being insufficient. Have had multiple fees at {$36.00} tacked on since. Totaling my account to - {$190.00} Ive spoken on the phone ( multiple times ) with customer service. They have reassured me that the fees would be reversed and my account would be taken back to the positives. But it has yet to happen WEEKS LATER. Today I called and spoke with a manager who refused to offer up a solution.
|
| 11/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have my loan thru SunTrust Mortgage. # XXXX I am unemployed at the moment and have just been approved for the KEEP YOUR HOME CALIFORNIA, Unemployment Mortgage Assitance program I am trying to open an escrow account so I can get my property taxes paid in FULL thru the program SunTrust says I am unable to open the escrow account because it has to be 60 days out and I am 40 days.The taxes are Due XX/XX/2016 I am trying to get this all taken care of so my mortgage and taxes are paid I have never been late on any payments or taxes Please let me know how I can get this resolved Thank you very much
|
| 03/23/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Servicemember |
|
A person deposited my check in Suntrust Bank in XXXX Florida, and I do n't have any account at this Bank. I have a copy of the check that was deposited and it shows the account number on the back. XXXX supervisors I have their names, XXXX agreed to the name I thought might be on the account and it was on the name on the account, and they XXXX agreed to me being on a recorded line and they XXXX said the XXXX name that I asked if it was on the account was not on the account. They never should have been able to deposit my check. Please help me get answers to such negligence in the banking system.
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I wanted to get a loan.I checked my XXXX report and under loans pre-approved I applied for a loan with a soft inquiry with XXXX.After I did that I received multiple emails from different loan companies like XXXX, XXXX, XXXX XXXX, Lightstream, XXXX XXXX XXXX, ETC.XXXX called me right away and asked questions over the phone and asked permission to do softpull.I was denied credit from them.Shortly after I hung up the phone, i received a email from XXXX showing a change on my credit report.I logged in on XXXX and it shows a hard inquiry I never gave permission or even talked to them for credit.
|
| 09/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
SunTrust Bank is reported inaccurate and defaming information about me to XXXX XXXX XXXX. I have called SunTrust Bank to get this resolves and the SunTrust representative ca n't will not give me any information pertaining to this matter but only to call XXXX. I contacted XXXX and they advised me that Sun Trust is reporting that the reason for the FRAUD notation is because : ATTEMPTING TRANSACTION IN AN UNPLEASANT MANNER. This is a complete false information and I am requesting SunTrust Bank to remove this information immediately in order for me to open a checking account with my current bank.
|
| 02/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
i Contacted SunTrust about a unauthorized inquiry on my credit report and unfortunately I was told SunTrust do not have a written consent with my signature in agreement to their invasion of my privacy.
They also stated they had permissible purpose to do so through other unknown companies that supposedly have a consenting application for credit.
However, Suntrust have fail to display the application with a signature or electronic signature or any form of consent to allow this inquiry.
This company records do not provide the one document to be factually sound in their previous statements.
|
| 08/26/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Ladies and Gentleman : I noticed there some unsure activate with my credit card for awhile, therefore I closed my credit card for over a year, recently there is potential Business breakthrough opportunity with my company. So I reconsider to apply a Credit Card, but I got rejected from my Bank, the reason is Current past due, I have both checking account and saving account at my bank and have about {$70000.00} Cash at account, never have any later payment in my history. How could I have current past due? my application ID # XXXX I ask you are take look at my account and history again, please.
|
| 09/24/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
Sun Trust bank placed a late payment on my report in on XX/XX/19. I called the company several times to have it corrected but it remains after the company said it would make this correction. Sun Trust changed the status to " Improved Account '' after I paid the outstanding balance but never eliminated it from my credit report with all agencies. They refunded me the amount I sent which I took to mean they acknowledged their mistake but to date the late payment remains. I want it removed because it is the only late payment on my report and I want my status to return to EXCELLENT.
XXXX XXXX
|
| 06/30/2017 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
My father had a suntrust card he had been ill and disputed the XXXX XXXX dollar balance. my father XXXX suddenly leaving no will and no estate just debt, suntrust hired a company called XXXX XXXX XXXX to collect the debt. The day after my fathers XXXX XXXX called up pretending to be XXXX the woman, XXXX /XXXX scared me threatened to have me thrown out of my home I started to cry. I called back and said I would pay the debt but then I called the attorney general and they said I did not owe the debt, I had to send a portion of my fathers medical record to show how he could not owe the debt
|
| 07/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My checking account at SunTrust Bank was closed without notice ( no call, email, letter ) and I was locked out of my account with online access. After multiple ( & gt ; XXXX calls ) over 2 weeks to try and resolve the issue and to find out where my disbursement check of greater than $ 5k was, I was given vague answers and no definitive date of when I 'd receive my check for the balance of the account. SunTrust is well known ( online searches ) for this type of poor customer service and lack of transparency with account closures. Please send the balance of my account to the address on file.
|
| 12/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I have a SunTrust checking that has a pending garnishment from XXXX XXXX on XX/XX/2019. At that time I didn't have any access to my account online and I was not receiving any statements in the mail. I went to one of the local branches and spoke to one of the Account Managers concerning my accounts. At that time she said there was no pending fees, and if I any other concerns please stop by any time. My mind concerns at this present moment, I received a letter from the bank stating that I owe them {$110.00}. Where are these fees coming from. I have know knowledge of this unlawful activity.
|
| 08/04/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Servicemember |
|
XX/XX/XXXX - current XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXXXXXXX/XX/XXXXXXXX XX/XX/XXXXXXXX XX/XX/XXXXAll XXXX XXXX And XXXX XXXX XXXX. A lot of transactions were intercepted and picked up by unauthorised recipients or deposited into unauthorised accounts. The transaction listed above had MTCN numbers however payment wouldn't process or delayed cancelled without my knowledge. The app on XXXX since XX/XX/XXXXhas had major issues and technical issues. I have multiple people utilising my merchant accounts.
|
| 01/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had a checking account with a debit card with SunTrust. The debit card carried a {$75.00} annual fee. I received a letter in the mail stating that they no longer wanted to continue my banking relationship and requested I close the account ( or they would close it by a certain date ). However, since I paid the annual fee for the debit card and will not be able to use it for the entire year I paid for, I requested a refund ( full or partial ) and was told they would not issue a refund. So They took my fee for a year, then closed my account after 6-7 months, but are keeping my annual fee.
|
| 11/16/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Credit card company isn't resolving a dispute about a purchase on your statement
|
|
Web |
|
|
I have been a customer with suntrust for 10 years. I'm trying to open up three disputes on my credit. Every time I call the rep does not know what they are doing. Normally would only take 5 mins or less and dispute form is emailed. The three disputes are XXXX for XXXX. XXXX for XXXX and XXXX for XXXX XXXX.
One rep wanted me to hold while he reviews 12 months of notes my account. The manager on the phone didn't know how to open a dispute. One woman couldn't understand to save her life she didn't even understand when I asked for a manager what I was saying. The last person even hung up.
|
| 02/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Sun Trust Bank denied our home purchase loan and the reason is due to " previous relationship ''. Since we never had any dispute with Sun Trust, our credit score is high and debt to income ratio is low, we contacted Sun Trust Bank asking for an explanation. However, Sun Trust Bank loan officer never explain to us and just ask us not to contact her. We suspect that our identity were stolen or other misunderstanding that caused the denial, so we really want Sun Trust to provide more information to prevent further damage. However the only thing they do is to act rude and treat us unfairly.
|
| 10/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I had an account with Suntrust Bank in 2012. The account sat still for several years after I called to close the account and was confirmed by a telephone representative and accumulated fees that I was never informed of. I received a XXXX overview and Suntrust Bank has had all of my recent addresses on file to which they could have notified me. Instead I now " owe '' over {$400.00} because of this scamming. I am having difficulty opening new bank accounts due to this issue. It would be lovely if Suntrust would work with me and if this was all just a lack of communication on both parties.
|
| 06/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
I have tried on three occasions to open an account with Suntrust Bank. On each occasion, I am given a different answer. The most recent attempt to open the account last month, I was told to contact XXXX. I contacted XXXX and they were unable to provide me with a reason as to why Suntrust wouldn't open the account. I had an account with Suntrust years ago for less than a month the account was closed with no answers as to why. When I attempted to open the account they had an incorrect date of birth and address for me. I'm concerned that my identity is being mixed up with someone else.
|
| 12/24/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
I received a letter in the mail from Suntrust about suspicious activity on debit card. When i called in, I did find fraud ; closed debit card and have a case no. My first issue is this is the third time this has happened, only with Suntrust ( once on business account, twice personal ). I think they may have a security breach issue. I am angry because they would NOT credit my account for the amount of the fraud until after investigation. This is happening 2 days before XX/XX/XXXX, plus they knew it was fraud, they detected it. XXXX fraudulent charge for {$240.00} and XXXX for {$25.00}.
|
| 08/08/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
I went to suntrust bank to open 2 accounts on XX/XX/XXXX and XX/XX/XXXX. The day before the funds were scheduled to be available from the bank placing a hold I was told my account was being closed by suntrust bank. They refused to provide me any reasons and referred me to a consumer agency they used to make this decision. The accounts I set up were on behalf of my son. When a I contacted the consumer reporting agency they stated I had a XXXX XXXX XXXXXXXX account. I never had an account with them and told them it was inaccurate. They refused to listen and told me the info is correct.
|
| 03/06/2017 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I requested that my checking and savings account with SunTrust Bank to be closed more than six months ago. The checking account was closed but for some reason the savings account was not closed. Now some charge has been applied to this account, please note there were no auto drafts set up on this savings account and the account should have been closed, and now they are adding an over draft fee. I have made several attempts to resolve this with SunTrust Bank customer service but they have been no help. I believe this is exactly the type of customer abuse the CFPB was setup to stop.
|
| 05/21/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I contacted Suntrust Bank on XX/XX/2018 asking them to not pay my property taxes out of escrow since I had a contract to sell the house. They confirmed they could stop it on that day.
The next day they took the money from my account in direct conflict of what I asked When I called back, I was told they could not stop the debit in time and {$2100.00} was taken from my account on XX/XX/2018.
It is now three weeks later and the payment has not been sent to the tax authority. In other words, Suntrust Bank took my escrow money, did not pay the taxes and is refusing to reimburse me.
|
| 08/23/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
|
|
Web |
|
|
I applied for an Illinois Hardest Hit Fund. back in XX/XX/2019. IHDA submitted my file to Sun Trust Bank. It was submitted to Suntrust in the beginning of XXXX. Today is XX/XX/2019 and they have STILL not responded to IHDA in reference to my mortgage.
My housing counselor and I called Suntrust on a 3 way call. The incredible part is NOBODY at SUNTRUST even knows what The Illinois Hardest Hit Fund, and they do not even know what the program is, and who to refer us to at the bank.
They signed up and agreed to participate with the program, yet they are doing nothing about this.
|
| 04/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
Suntrust Bank closed my 1 personal account and two business accounts over 3 months ago!
They sent me a check for the personal account and a check for 1 of the business accounts, BUT have told me they will HOLD my XXXX for a year in there bank.
They give me NOTHING in writing and only people at there XXXX number tell me there is nothing they can do!!
Please, I need HELP ASAP as they are holding my money and NO ONE gives me an explanation.
They are stealing my money and NO ONE at Suntrust banks will give me anything in writing or a legal reason why they are keeping my money!!
|
| 07/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a business account with SunTrust Bank and I was charged a {$15.00} fee for a credit inquiry. I called SunTrust to inquire about this charge and I was told there was no information on the company doing the credit inquiry. The only thing they could give me was a fax number and told me to fax the company to see who ran the credit inquiry. I do n't think its fair to charge me a {$15.00} fee but you ca n't give me any information. I was told any company I am associated with can run this inquiry at anytime and they will charge me {$15.00} each time. I do n't think that 's fair.
|
| 04/30/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Problem with additional products or services purchased with the loan
|
|
Web |
|
|
I have asked multiple times for a cease and desist of all paper communication regarding my account, but Suntrust continues to send me prepayment notices after they claim they have completed my request. It is extremely annoying to get a prepayment notice when I only pay a few days before my due date ; it's not like I am paying several months ahead. I'm paying the current month 's payment in the month it is due, before the due date. They need to stop wasting paper and sending me these unnecessary notices. I want a cease and desist on all paper communication regarding my account.
|
| 03/08/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Servicemember |
|
About 8 years ago I had to up and leave my house to move for care of my daughter. To which we had renters but they XXXX us over and we didnt have time or money to deal with a house as my daughters health was way more important and the renters messed the house up. I have filed a few complaints on this company already. 7 years later the house hasnt been paid on its suposed to get forclosed. Its in the process but from what Ive been told my law office keeps getting hung up with SUNTRUST MORTGAGE on this issue. My credit has already been turned to XXXX cause they wont do anything.
|
| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing now in hopes to receive your help. Presently I am working on examining my credit, paying down my balances, and working toward greater credit worthiness. You play a very important part in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit agency ( XXXX XXXX XXXX XXXX ) on XX/XX/2017 and I am writing this in order to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could possibly think of, is that my statement didn't get to me in time.
|
| 05/17/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their instructions.
|
| 06/10/2019 |
Yes |
- Money transfer, virtual currency, or money service
- Mobile or digital wallet
|
- Unauthorized transactions or other transaction problem
|
|
Web |
|
|
XXXX gave an account to someone else using my cell phone number without verifying it or sending a confirmation. Ive been using XXXX for a while until someone tried to send me money and discovered someone else created an account with my cell phone. I called my bank, XXXX and they claimed they are not able to help because it it set up to receive money with another bank ( SunTrust ) of course I called suntrust and they are not able to much either. Meanwhile, someone else uses my phone to transfer money to his account. I reported this as fraud and nothin has been done about it
|
| 05/17/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Loan balance remaining after the vehicle is repossessed and sold
|
|
Web |
|
|
On XXXX I called Suntrust Bank to try to get an extension on the remaining balance I have with them of {$850.00}. My v ehicle was totaled and between both insurance companies the bank has received over {$24000.00}. I have never been late on a payment. I even asked to speak with the supervisor ; his name is XXXX he did n't want to assist me either. I advise him that I am unable to make the payment due to me being unemployed and needed the extra time. I also advise him that they just received a payment from my insurance XXXX . I never have experience anything like this
|
| 03/25/2017 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Incorrect/missing disclosures or info
|
|
Web |
Older American |
|
Asked for correction of a XXXX from Suntrust. They refused our bank also. We moved our funds from one IRA to another IRA at XXXX. XXXX told us to get a cashiers check made out to XXXX doing business for XXXX and XXXX. We did. We did not touch the money, but they show us as a gross distribution, not a transfer. Our bank, XXXX, called and talked to their IRA department. They were told that Suntrust would throw their forms in the trash and would not correct this. Suntrust also told us we would have to go back to the bank in XXXX, GA that handled this. We live in XXXX FL now.
|
| 06/26/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American, Servicemember |
|
Every time I look I get a hard inquiry from SunTrust. I never gVe them permission to do an inquiry except initially when I first started. I cant believe how many time I got hit with these. I even ask when they called me up and offered me more funds if there would be a hard inquiry and the lady said no. I am very upset with this. Also I am a little behind on bills due medical leave leading g to terminate on XX/XX/2029. Just recently started a contract job Monday before last to catch up Help!!! No more inquiries from this lender! They havnt even told me about a single one!
|
| 12/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Multiple times now ( XXXX of which documented below ) I have been charged an overdraft item fee for an item that did not overdraw my account. After I contacted Suntrust Banks the first time I was told that I did not understand their policies and what had occurred. I was told that if the person helping me could simply show me what they saw that I would understand but since they couldnt they would refund me XXXX of the XXXX overdraft fees that had occurred ( the first of which was unwarranted and the subsequent ones were a byproduct of the {$36.00} fee I had been charged )
|
| 12/02/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have applied for a HAMP loan modification that I clearly qualify for based on this criteria.
1. Primary Residence, 2. I currently have an interest rate over 2 %, 3. DTI over % XXXX, 4. Underwater on Mortgage, 5. Hardship due to medical issues from an auto accident.
Suntrust is dragging the process out by telling us we need something different every week or so and they are not returning messages even though they say they will within 24 hours.
So now we are not paying our mortgage and they are forcing us into foreclosure which they will try to use against us later.
|
| 10/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I sent a certified letter to XXXX to remove a Inquiry I did not authorize ...
On XX/XX/XXXX. 2019 XXXX did give a response that the inquiry was factual without providing any documentation to display I authorize this unknown inquiry from SunTrust Bank.
I then contacted Suntrust Bank as suggested from XXXX to contact the furnisher directly and spoke to a representative that could not provide details to how the inquiry was initiated, nor did the representative have any factually sound documentation with my signature to show I personally requested services of any kind.
|
| 06/12/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Please accept this as a Qualified Written Request for copies of any and all Trust Instruments related to XXXX XXXX XXXX XXXX, Section 1 having a street address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX and effective XX/XX/XXXX - XX/XX/XXXX. For purposes of this Qualified Written Request, the request trust documents are defined under N.C.G.S. 36C-1-103 ( 21 ) Trust instrument. - An instrument executed by the settlor that contains terms of the trust, including any amendments to the instrument, and any modifications permitted by court order. Thank you - XXXX XXXX XXXX XXXX.
|
| 09/23/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Servicemember |
|
I applied for a free bottle of supplement with a company name XXXX XXXX. I canceled the membership before the trial period ended, also the card I gave them was closed and a new card was issued. Suntrust allowed the XXXX XXXX to charge a card they did n't have to authorization to charge nor did they have the card number.I am in GA and my family was affected by XXXX XXXX and because of Suntrust negligence, my family has been without food 2 days.They are refusing to reimburse fees for an illegal transaction they authorized. NOT ME. I NEED MY FUND 3 DAYS AGO.
PLEASE HELP
|
| 10/31/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
i am having an issue with the overdraft fees my bank is charging me. On XXXX I checked my mobile banking app to see how much money I had after a weekend of shopping. I spoke to a customer service rep and was informed that all the fees i incurred were correct to the sum of XXXX. This balance has increased to XXXX dollars in the matter of a week. A XXXX $ that comes out automatically should have been rejected if the funds were not available was processed just to turn around and give me a XXXX $ fee for the transaction. I find these practices to be criminal and predatory.
|
| 10/25/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
On XX/XX/XXXX at about XXXX Eastern, I stopped into the XXXX XXXX branch of Suntrust to deposit loose change that had been collecting over the last year. The teller advised that they do not have a change counter and refused to accept my coins. The teller further advised me to go to a local grocery store to have it converted into dollars. Later the same day, I called Suntrust to discuss the matter with them and to look for an alternative branch ; however, they informed me that it is their policy to only accept rolled coins and they would be of no further service to me.
|
| 03/14/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I have been attempting to request of Suntrust Bank to drop escrow payment on my mortgage so I can pay insurance and taxes directly for 14 months now. They are refusing to recalculate my loan to value after I have invested in new pool and solar roof last year significantly boosting my home 's market value over the one they are using from 2015 when the loan was refinanced.
I have reached out to XXXX XXXX who is the mortgage investor but they were not able to compel servicer to recalculate LTV based on current market value and drop the escrow.
My loan number is XXXX.
|
| 09/04/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
On XX/XX/18 my renter ( who generally pays by money transfer ) transferred XXXX into my checking account at SunTrust Bank. However, instead of the money being deposited into my account, it was withdrawn from my account and deposited into the renter 's account, leaving me with a negative balance. I called the bank to fix this issue and they said I will have to pay a {$36.00} bounced check fee. This is the bank 's mistake and not mine. How my renter ( who has no legal access to remove money from my account ) was able to withdraw money from my account is a huge concern.
|
| 01/22/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
I 'm a client. Of suntrust bank and onXX/XX/XXXX they put a hold on my accounts so that I could n't withdraw or use my money. I had made some wire transfers to a person in XXXX and all of a sudden my government monies are in the account but suntrust keeps saying its fraudulent money and its not. They keep liing about when or if I 'm going to get my money. I call every weekday and have went in person some. The bank branch managers have been very unprofessional and making threats saying I 'm going to be arrested and put in jail and that I do n't deserve my money back.
|
| 06/21/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
I have deposited XXXX dollars in my SunTrust Bank account and days later SunTrust allowed multiple fraudulent transaction on my account taking all my funds and my account from my previous deposit ... .I believe SunTrust had a part of this fraudulent activity due to the fact after I reported it they still held on to my funds denying me access .... including my stolen identity of my government issued ID and social security card! I spoke with a supervisor and executive team and they all are withholding me from. My fund 's including engageing in this fraudulent activity
|
| 09/18/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I got a letter from suntrust saying my loan is in default as of XXXX XXXX which is absolutely NOT true. The grace period allows me to pay up until the XXXX of the month WITHOUT penalty and I have proof the my mortgage was paid on XXXX XXXX less the ridiculous {$82.00} late fee that they 've been charging me since XXXX XXXX and I refuse to pay ) for their repeated errors. This is completely unacceptable and needs to be resolved immediately. Even when I pay, they still manage to XXXX it up! That have absolutely no business being responsible for other people 's money.
|
| 11/15/2017 |
Yes |
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In XXXX 2017 we started the process to refinance with our existing mortgage company, SunTrust. After four months and us providing every piece of paper asked for they still have not signed off on the loan and have given us no explanation as to why we are being denied. Our loan processor was great and really tried working with the underwriters and was a confused as we are about why we have n't been approved for a loan we more than qualify for. We have nothing in writing and everything we have been asked to return to them we have sent to them in a very timely manner.
|
| 06/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Installment loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
Unfortunately the account went to charge off status. When we agreed on a repayment that fit into my budget that is when this company started to report on my credit as if the account is still open but with a charge off status. The delinquent amount picked up where we fell behind and grows every month by the difference of my current payment and the payment when the account was open. I contacted the company asking about it and was told it wasn't them that it was my credit monitoring company doing that. I have my credit summary showing that every month they report.
|
| 10/17/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Prior to XXXX XXXX, I was given a {$500.00} personal check from my landlord in rejection of my rent, which I had paid her. On the morning of XXXX XXXX, I deposited that check into my account at SunTrust ; the funds pertaining to that check were made available that evening. On XXXX XXXX, I made a withdrawal of {$1100.00}, resulting in remaining a balance of {$70.00}. The following day ( XXXX XXXX ), I received an envelope wherein was a slip of paper declaring that {$500.00} was withdrawn from my account on XXXX XXXX, resulting in a negative balance of {$510.00}.
|
| 05/31/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem making or receiving payments
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019 my wife paid our housekeeper {$95.00} by check from XXXX XXXX XXXX XXXX. Our housekeeper deposited the check by mobile. The check was accepted by SunTrust Bank and then bounced, although there was {$29000.00} in the account. Our housekeeper was charged {$12.00}, which we reimbursed. Today, my wife went to SunTrust Bank in XXXX, FL. She spoke to a banker there who explained that the check account number was cut off when photographed and, although accepted, was not processed. Help me to understand why a computer glitch by the bank should cost me. T
|
| 09/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
CFPB : I would like an inquiry in the handling of wife XXXX XXXX XXXX joint checking account with daughter XXXX XXXX by SunTrust Bank for refusing to release funds and information on XXXX XXXX portion of account.
I recently try to close out her account because she is now decease and she had funds with daughter in account since I have been unable to reach her concerning matter.
I tried to contact bank myself.
The bank manager was contact to assure account was froze and didn't compile and 800 number is non accessible.
so we will like file investigation.
|
| 08/16/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
Both of my checking accounts with suntrust bank are in the negative at bo fault of mine as I 've been transferring funds from my checking account to ensure this type of thing did n't therefore it is the fault of the back for this occurring. Not only that I had overdraft protection setup to ensure this would never happen. Therefore I believe the bank has placed my accounts in this situation and I will not stand for this. Besides which I was never advised of any over draft fees on my savings accounts nor have I been explained as to what these charges are for.
.
|
| 11/07/2015 |
Yes |
- Bank account or service
- Other bank product/service
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
In XXXX 2015 I made a mortgage payment to the Suntrust Bank at XXXX XXXX XXXX and the payment was misapplied, which showed a non payment for the month of XX/XX/XXXX, which it was intended to be. Instead it was applied for XX/XX/XXXX.
This is now the second occurrence this year and the first was in XXXX at the XXXX XXXX XXXX.
I received a call in XX/XX/XXXX of this year stating that I was over due in my payment and had to prove to the bank that in fact it was there error. It too three weeks for them to correct.
The correction for XX/XX/XXXX is still pending.
|
| 08/09/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
I was unemployed for 4 months when I called up XXXX XXXX about my current situation in spring of 2016. I asked if there was a way to reduce the payments, refinance, or what options they had. They basically told me there was n't any program setup to help customers in financial distress. I did n't want it to negatively impact my credit score and asked if I could voluntarily give the car back to the bank but they said they do n't offer that option as well. I ended up borrowing money from friends and family to pay for the loan until I could n't afford it anymore.
|
| 12/01/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have our loan for primary residence with Suntrust, which is responsible for making timely property tax payments from the escrow account. Since our property tax was adjusted higher, Suntrust made payment that was less than the required amount. As a result we were assessed penalty & interest by XXXX county. Even after notifying Suntrust about the shortfall it took them 4 weeks to make the payment - and all along the bill was accruing interest. We make our tax payments into Suntrust escrow so we should not be held liable for any accrued interest and penalty.
|
| 09/22/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have made payments as scheduled on my loan from SunTrust continuously. Earlier this year, they fraudulently added a past due amount of approximately {$220.00} to one of my bills despite have records of my payment on their site. This was resolved with a phone call, and they removed the amount. It has happened a second time this month, billing a past due amount of {$220.00}. I have records of my last invoice of {$260.00} and subsequent payment of {$300.00}. Having happened twice in the same year, I am concerned that this amounts to billing fraud. Thank you.
|
| 01/22/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.
|
| 12/29/2019 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
Suntrust sent me an email on XX/XX/19 recommending ways to mitigate loss. I replied to them multiple times via a phone call to XXXX XXXX, emails to him between twice between XX/XX/XXXX-XX/XX/19.
I accepted the offer to file a collated mortgage assistance application.
XXXX and nobody in SunTrust has replied with the application documents, any ways to download the documents, no documents via email or anything.
SunTrust is trying to take my poetry and assist selling it to some white folks for gentrification.
I can't get no replies from them. Help me.
|
| 06/07/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have a single family home, that is carrying ( XXXX ) mortgages. I would like to know how to go about combining them into XXXX, I brought the home in 2006, for {$200000.00} and is still paying interested instead of paying on the principal. I did loan modification XXXX, but that did not help me, if anything it hurt me instead. Because the principal went up. However, my question to you, is there anything a person like me can do to get my mortgages in XXXX. Also the house only value {$180.00} the last time I checked.please can someone look into this please.
|
| 11/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
SunTrust has continually been charging me bogus overdraft fees and they also charged me {$51.00} in account maintenance fees. I 'm tired of it. Occasionally I have to transfer money from my savings account to my checking account as my paycheck fluctuates. Despite the fact my account balance never goes negative, they now charge {$12.00} for the privilege of me transferring my own money. They have also recently revised their rules so that even if the money is in the account before close of business, they will still be able to charge the {$12.00} overdraft.
|
| 09/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
I was declined for an auto loan by SunTrust and XXXX XXXX and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.
|
| 02/08/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust Mortgage changed the technology on their e-Pay system around XX/XX/2016. Since that time my mortgage loan account has improperly not shown my current payment due on e-Pay on the first of the month. Every month now XXXX shows my XXXX of month payment due AFTER I have paid it! I have spent numerous wasted hours on the phone with loan servicing staff who are unable to fix the problem and who are unwilling to own the problem. And around mid-month each month I am improperly billed for TWO payments - the current month AND the next month 's payment..
|
| 03/29/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I am writing today in wish to obtain your help. Currently I am working on examining my credit, paying down my balances, and pursuing better credit worthiness. You play an essential role in this process. I am asking about the account number referenced in this complaint. I see you have reported me 30 days late to the credit bureaus ( XXXX XXXX and XXXX ) on XX/XX/XXXX and I am submitting this to have this remark pulled back. I had believe I had made all my payments on time, the only thing I could imagine, is that my statement didn't get to me in time.
|
| 08/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I paid {$75.00} for annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
|
| 11/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I have had several inquires on my credit file that are not mine, obviously they are fraud! I called the companies to have them removed with no results. I have also contacted the XXXX customer service dept and they keep telling me, they do not investigate these matters without a police report. I have tried calling the police where the inquires originated, unfortunately they say I need to be in their state to report this in person. I have seen my credit drop over 100 points because of this fraud action against me. I need some assistance at this point.
|
| 11/14/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
As of XX/XX/XXXX the remaining loan balance prior to an unlawful repossession was {$3100.00} The company then added on {$5000.00} in fees. Failed to disclose the sale of the vehicle in auction accordingly.
The company continually refuses to provide proper documentation regarding the fraudulent and exhorbitant fees.
The date of first delinquency is XXXX of XXXX After multiple disputes directly and through the credit bureaus the company continues to update the account by re-aging the late payment status and continues to reflect an incorrect balance
|
| 12/06/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
When I submitted my complaint to the AG of Oregon a case was automatically created in CFPB and sent to SunTrust. The summary section I wrote was for the AG, but the attachments had 3 requests. 1. Fix our credit 2. Remove the approx {$760.00} charges on the loan that is now serviced by XXXX. and 3. reimburse me {$100.00} for the property damaged caused.
XXXX XXXX contains the attachments that reference all three requests but only the credit request was addressed.
This complaint is regarding the problem with the Auto Drafting system of Sun Trust.
|
| 12/16/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
The bank began charging us penalties for no reason ( {$36.00} ) we complained and they admitted their computer was in error, they gave us several different excuses but even though they always have confirmed they have our funds and all penalties are bank errors they refuse us any access to our money until they solve Their problems. After serveral weeks of this and checking on line we discovered this is a pattern with this bank. We feel this will potentually end up another bank scandel. We hope you can help before thousands of more people are harmed.
|
| 01/13/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I live in California and my mortgage company is located on the XXXX XXXX. I regularly make my mortgage payment on the XXXX, the last day before a late fee is charged. The remittance coupon clearly states that " If payment is received after XXXX, a $ XXXX late fee will be charged. '' The coupon does not state that the payment needs to be made according to XXXX. I called my payment in prior to mid-night XXXX on the XXXX and was charged a late fee. If the payment is reflected as the XXXX on my statement the next month, should I be charged a late fee?
|
| 08/20/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I paid {$75.00} annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.
|
| 07/06/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I applied for a loan modification and was denied. However, Suntrust offered me the option for a conditional short sale. I have met all of the conditions requested, and have repeatedly sent in items that they have re-requested. During this time, they have refused to make a decision and have repeatedly tried to get a decision from the bank based on the completion of the short sale package. My realtor has exhausted all their efforts to get us to closing on time. However, Suntrust has yet to make a decision or even get to the decision making process.
|
| 02/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
SunTrust Mortgage continues to report erroneous information to the credit reporting agencies. In XX/XX/XXXX, I notified SunTrust in writing of the errors but as of XX/XX/XXXX the erroneous information is still being reported by the credit reporting agencies. SunTrust Mortgage reports that my mortgage was delinquent, in collections and then discharged in bankruptcy. This is not true and their own records submitted in XX/XX/XXXX prove that this is not true. The mortgage was always paid on time, never late and was completely paid off in XX/XX/XXXX.
|
| 11/30/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
RESPA VIOLATION. I have requested SunTrust to supply original loan documents under my legal rights. A representative of SunTrust signed for my written request and as of today 's date I have not received my QWR AND RFI. The response was the have not had my loan for 13 years and I signed the '' fraudulent '' documents. The actions of SunTrust broker is costing me financially. I am asking for CFBP TO enforce my RESPA RIGHTS. I NEED the original HUD Forms. GFE, and documents broker XXXX XXXX sent to XXXX XXXX regarding my SunTrust mortgage approval.
|
| 11/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
This is the second complaint against SunTrust Mortgage. In our first complaint, servicer in a unilateral decision changed terms of our mutual loan modification reached in XX/XX/2015, increasing my rate and switching the same from fix to an adjustable. This original complaint was resolved, but now Suntrust Mortgage is wrongfully calculated the monthly dollar amount on my interest payment for the next 20 years remaining on my mortgage.
As result of this servicer mistake, I ending paying {$7.00} for the next 20 years remaining on my mortgage loan.
|
| 02/18/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Ive contacted Sun Trust serveral times and just get the run around. I recently sent them a copy of my Identity Theft Report from the Federal Trade Commission along with my driver lisence and social security number. I got a letter back from Sun Trust saying they need account number and specific information being disputed. They have all the information from me. I cant help they let someone open up a account in my name without getting ahold of me first. If they wouldve paid attention to my credit reports theyre been serveral fraud alerts on them.
|
| 03/07/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
We were offered a payment extension on our loan which stated that the payment would be moved to the end of the loan and that our final payment might be " slightly '' more. It is close to XXXX which in my opinion is not slightly more than {$590.00} which is what our final payment was to be. I truly feel that the advertising for this extension was fraudulent & deceptive and had we known that there would be that big a difference in the final payment along with having to still make the payment that was skipped, we would have never agreed to that.
|
| 04/08/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Long story made short ... ... ..Aunt had fraudulent activity on her accounts at Suntrust. XXXX was notified and investigated the case and the case was closed. Aunt made me her Power of Attorney when she entered XXXX home so that I could help her with her bills. SunTrust refuses to let me stating her accounts are ALL frozen because of investigaton. XXXX says they never told SunTrust to do this. My Aunt ca n't touch her money even though its her social security money that is in accounts. If she needs something she cant even touch her own money.
|
| 08/26/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I started my FHA mortgage back in XX/XX/2012. My home value is listed as {$130000.00} and I currently owe {$100000.00} on my loan. That means my LTV is currently at 77.90 %. I am below the FHA required 78 % to remove the PMI from my FHA loan. I have already submitted my request in writing to Suntrust Mortgage, however they're insisting that my LTV is still sitting at 83.83 % and can not tell me how they keep coming to that calculation. I have even received automated text messaged from Suntrust regarding my loan saying I'm below the 78 % LTV.
|
| 03/29/2017 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
XX/XX/XXXX I received a confirmation of address change on an account opened by my wife and myself for our minor grandson. We did not request on authorize any changes for this account. We went to the local branch and was told that it was done at another branch but the bank would not give us any information concerning who requested the account information change or who approved it. On XX/XX/XXXX I filed a complaint with Suntrust bank and to date have not received any information on this matter. We have been with Suntrust bank since XX/XX/XXXX.
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX client XXXX XXXX is a victim of identity theft. His information was used without his consent to submit applications for auto financing. While no accounts were established the applications generated inquiries that were found on his XXXX, XXXX and XXXX credit reports. The inquires were from XXXX of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and Suntrust. Each of these offices were provided an official dispute of the items, XX/XX/2018 and as of this date none of these organizations have provided an update or a reply to the official dispute.
|
| 10/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
hello i am a college student that started my own business to help pay for my education i opened an account with suntrust bank which was the biggest mistake i ever made they have hit me with so many overdraft fees that are not legit when i spoke with a rep she promised me it will be removed they still are showing that i owe it and no one would help my account number is XXXX it has been a nightmare with this bank all i want is to clear this matter out and get away from them i have my account with XXXX XXXX XXXX nothing like this ever happens
|
| 04/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
Suntrust experienced IT network, account hackers and/or IT incompetence. They were showing debits, by ( me ) consumer XXXX XXXX XXXX XXXX XXXX F XXXX . This on clear transitions, summary ( see attached ) This was only perpetrated to charge my account overdraft fees and extending over draft fees {$150.00}. I advised Suntrust their mistake or IT incompetence, was the cause since I manage my account by their website. In accordance with PCI-DSS, this information MUST be up-to-date an accurate, by law it was SunTrust responsibility to be such.
|
| 12/12/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I am trying to get a loan modification from SunTrust Mortgage , Inc . I sent my documents in their pre-addressed envelope, but they say they never got it. Today I tried to fax the documents, but the fax phone just rang and never picked up. I am going to try scanning and emailing, and I will resend the documents USPS return receipt. SunTrust does not offer an address for overnight packages. I get the feeling I 'm being XXXX around - that my documents were indeed delivered but are lost somewhere, and that the fax number provided is bogus.
|
| 11/14/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
The mortgage company received over XXXX for past due taxes. They only needed {$10000.00}.
A partial refund was received and the mortgage company kept the additional money they received from NY state without permission or my knowledge. Instead of paying the current tax bill with the money they kept, they applied the money towards the principal on the mortgage without permission or knowledge.
It took two hours on the phone, because the bank kept stating they never received the {$27000.00}.
Which I have documented from the bank itself.
|
| 12/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
On XXXX XXXX, XXXX, I opened a disputed debit card transaction. Since this time, I have sent four secure messages, and made multiple calls to check the status of the dispute. Each time, I have been told that it will be resolved within 10 business days. Since 10 business days have elapsed, I was told that the claim would be escalated and I would receive a call within 24 hours if additional information was needed. I was told this on XXXX/XXXX/XXXX and as of now have not received any calls from the bank regarding the status of my dispute.
|
| 01/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
We had a mortgage with Suntrust Mortgage that was sold to a garbage company called XXXX.We are not late on any payments. We had 1.5 years left to pay on it. 1.5 not 15 but 1.5. Now we know that we are going to have a nightmare on our hands because something is terrible wrong with XXXX.
How can we fight this? How can Suntrust do this to us? I told Suntrust that the best thing I can do is go to the local news channels and alert other people that this is what Suntrust is doing. I really dont believe it is real, and I have been hacked.
|
| 05/21/2018 |
Yes |
- Debt collection
- Federal student loan debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
XX/XX/XXXX, SunTrust Bank send me copy of application that look like a forgery signature. A copy of application is hearsay. Hearsay are not allowed to use in court room. I will like to set a day for us to meet in person in XXXX, Florida on any day of the month of XX/XX/XXXX. I want to have expert handwriting to look at the original application with wet ink signature that you claim is mine. If you do not pick a date to meet in XX/XX/XXXX, I will assume that SunTrust Bank is trying to collect money from me by using a forgery signature.
|
| 06/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I have a delinquent account to XXXX/Suntrust bank. It says ( delinquent 90 ) but it also says Account closed due to transfer Opened activity : XXXX Balance : XXXX Past due : XXXX There is also that same account in my closed accounts section from SunTrust bank that says on the account I opened with them on XXXX was settled and that the account paid in full for less than the full balance.
That SunTrust delinquent account has been closed and dealt with so I don't understand why its still killing my credit by being in the wrong section
|
| 10/04/2017 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
In 2016 I purchased a property that we closed on in XXXX. I started the application process in XXXX with several different lenders while I was exploring options. It is my understanding that hard credit inquiries were to be grouped together if they were related to one event. So instead of my report reflecting one inquiry, it has seven separate inquiries which negatively affects my credit score. Would you please review the inquiries and group them so that they are correctly identified and related to this one financing event. Thank you.
|
| 04/25/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
The amount of the check was for {$1700.00} the amount in the account was {$1300.00} the account did not have enough money to cash this check. I put down for 2 mortgage payment instead of 1 my fault. This amount is over NOT by {$100.00} or {$200.00} or {$300.00} but over {$400.00}. The check should of went in as a NSF {$36.00} charge to the account and not cause my account to roll over and over with NSF fees. I am requesting that the NSF fee be removed from this account. This will not happen again I 'm putting my mortgage on auto pay.
|
| 08/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
I called Suntrust on last Friday about my account. And I told the lady not to shut down my cards I needed them and that I would call back once I get everything straight. Well they did anyway after I said not too. I have the right as a customer to not have my card shut down.so Im filling a formal complaint this is totally unacceptable as a customer I reserved my right at that moment as a customer and something needs to be done. So Im asking for that phone to be pulled because i said dont shut down my card all phone call are recorded.
|
| 01/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I have been affiliated with Suntrust Bank for about 10 years. I use to have an account with about a balance of XXXX. I have a reason to believe around 10.000 at least has been stolen. I closed the bank about after I had an overdraft fee. Somehow a worker inside the bank found a way to steal money. The charges didn't add and sometimes funds where withdrawn at odd times. I would like this to be investigated promptly.Over the Years Bank tellers at Suntrust Branch have stole money others you will discover this if you research properly.
|
| 08/07/2019 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
I was informed by SunTrust on XX/XX/XXXX that The premium ( MPI ) will be eligible for deletion after XX/XX/XXXX and when your principal balance reaches a LTV of 78 % or % XXXX However, I received a statement from SunTrust Mortgage yesterday stating that As of XX/XX/XXXX your home has gained sufficient equity to eliminate the FHA monthly insurance premium I do not appreciate being given contradictory information. Apparently, SunTrust 's marketing staff and the persons administering its mortgages dont communicate with each other.
|
| 12/19/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I am trying to resolve a 30 yr lien that Suntrust acquired through XXXX. I am due to close on the sale of my home tomorrow but will not be happening due to no response from Suntrust. They tell me I am not able to speak to anyone in that dept and when I ask for a manager they hang up on me and I asked to speak to someone in their legal dept I also get hung up on-This should be against the law that a company can keep a lien against your property from XXXX owners ago and refuses to acknowledge and keep me from selling my property.
|
| 11/09/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Suntrust closed my checking account, due to inactivity, without informing me, and has sent the {$5000.00} to state of Virginia. After dozens of calls and visits to bank, including escalation, no one is helping me get my funds. The label " inactivity '' is incorrect because the checking account has a monthly direct debit to pay a Suntrust 2nd mortgage for the last 5 years. The only reason I ever set up the checking account was because they reduced my 2nd mortgage interest rate by .25 % for arranging the account and auto payment.
|
| 10/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Opened a business checking account with Suntrust XXXX 2015. Was notified XXXX XXXX that account had to be closed because they made a business decision to no longer service our industry. XXXX XXXX loans ).
The bank personnel admitted that the decision was made due to the FEDERAL GOVERNMENT PRESSURE TO NOT CONDUCT BUSINESS WITH A PAYDAY LOAN COMPANIES. ALSO KNOWN AS AN ILLEGAL BACKROOM POLICY NAMED 'OPERATION CHOKEPOINT '!!!!!!!
WE ARE A SMALL FAMILY OWNED BUSINESS THAT IS BEING CRUICIFIED & CRUSHED DUE TO THIS IGNORANT POLICY!
|
| 10/09/2015 |
Yes |
- Consumer Loan
- Installment loan
|
- Taking out the loan or lease
|
|
Web |
|
|
I applied for Community Reinvestment loan with Suntrust Bank many times Loan Application - Reference # XXXX ... This bank never have given me a loan. I would not complain but Suntrust is always saying is willing to help the low income community.Poor, XXXX, but when comes to loaning funds out Suntrust has refuse many loans for the XXXX community. Suntrust XXXX. This banks needs to stop saying the are here to help the poor with CRA loan and not give this money back to the community they make money off of.
Thanks XXXX XXXX XXXX
|
| 04/17/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Using a debit or ATM card
|
|
Web |
Older American |
|
Hello, i am the victim of identity theft. Several debit card accounts were opened in my name, from XXXX and Suntrust. i have never applied for accounts to those banks, I live in the midwest, those banks are elsewhere. I have contacted both companies, there are now fraud alerts on my name. My question is how could this happen, I believe there needs to be much better security questions on the front end, before cards are issued and accounts opened. PLEASE do something about this, my life is being impacted in a very negative way.
|
| 08/09/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Suntrust Mortgage has put force placed flood insurance on my condo. My flood insurance had never lapsed. My flood insurance company faxed a copy of the policy to Suntrust yet the mortgage company continues to say they did not receive it. My insurance company has emailed me confirmation that Suntrust received the fax on XX/XX/19 ( 103 pages ). I called again to Suntrust today to confirm that they received it ( allowing the 5 days per their instructions ) and told them that I have confirmation ( attached ). They hung up on me.
|
| 10/20/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
The inquirer name is Suntrust Bank DBA XXXX and XXXX of XXXX XXXX. the inquiries took place on XX/XX/XXXX and XX/XX/XXXX respectively.. I contacted both XXXX, Suntrust, and XXXX to removed the inquiry. Suntrust has not gotten back to me and XXXX has sent me this letter explaining why the inquiry happened but failed to show proof that I was the one who request for my report to be viewed. XXXX also has fail to provide me with any evidence of such inquiry request made by me. I'm therefore disputing the validity of this inquiry.
|
| 05/13/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Several years ago, I went through a divorce and had to sell my marital home through a short sell. At that time, I had a equity line of credit with SunTrust Bank. They refused to forgive the debt and negotiated with the buyer for me to assume {$16000.00} of debt to be re-paid over a ten year period. I have now reached an age and point in my career where I need to settle down and buy another home as I prepare for retirement. I made an offer of settlement and the bank will not return my calls or when they do, have lost my file.
|
| 06/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
opened online suntrust account was approved for checking account as long as i went into a local branch and made cash opening deposit. THAT NEVER HAPPENED BECAUSE MY EMPLOYER had used a pay card for our checks and i continued to use pay card. well they were wrongfully charging a monthly fee for this account when i had not deposited initial required deposit or made any kind of withdrawl etc. never used it and now it is stoping me from opening a bank account becayse its comming up owing them hundreds of dollars on XXXX report
|
| 12/03/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Older American |
|
I on XX/XX/2019 used an ATM machine usin g the private pin number given to me by Suntrust Bank in ATM receipt. When I called Suntrust Bank to inquire why my pin gav e me access to an alternate account which had {$570.00} when there was only according my records {$8.00}. They refused to give me a sufficient answer hung up on me!!!! I would like an explanation Why my personal pin has access to other accounts??? Why I don't have access to these funds and where is this money coming from. Thank you. May XXXX XXXX Bless you.
|
| 01/17/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have a mortgage loan with SunTrust Mortgage which was recently put into forbearance after many difficulties with the lender losing my paperwork, delaying things, etc. But thanks to the CFPB, I was finally able to get my forbearance due to medical issues. But recently I rec 'd a letter from SunTrust stating that my loan was overdue and they have ordered an inspection that I WILL HAVE TO PAY. THIS IS OUTRAGEOUS! I WILL NOT PAY. My loan is in forbearance and this should not be happening. Please help.
Loan number : XXXX
|
| 05/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
As of Friday, XX/XX/2019, Suntrust bank took overdraft fees from my account on five transactions in which I have money in the bank. Two transactions are still pending that was done on the same date ( Wednesday, XX/XX/2019 ) that the five transactions that the overdraft fees were taken from and were not charged the {$38.00}. One transaction from XXXX was withdrawn on Thursday, XX/XX/2019, however, it is still pending and not cleared as of Friday, XX/XX/2019. I also received a deposit of {$240.00} on Friday, XX/XX/2019.
|
| 03/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
Suntrust Bank is reporting a balance of {$580.00} on a closed account and FP ( failed to pay ) from XX/XX/XXXX until today, XX/XX/XXXX. The last payment on my settlement was paid and received on XX/XX/XXXX.I have a letter stating " your account is settled in full and your obligation to us and the above named creditor is now satisfied '' referencing this date. I have disputed with the credit bureaus and Suntrust, after every investigation Suntrust refuses to update per the correct information contained in this dispute.
|
| 07/03/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I was notified that a personal and business checking account was fraudulently opened online with a bank that I have never even heard of and that does not even have branches in my state. I have never lived at the address they have on file for me which they say they sent debit cards and checks to. I have attached to this a copy of my current lease showing where I currently live. If you check the dates of my lease you will see that I lived at my address long before and after these accounts were opened, abused and closed.
|
| 05/15/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Closing an account
- Can't close your account
|
|
Web |
Older American |
|
My parents passed away in XX/XX/2016. My brothers and I spent 2 1/2 years.
SunTrust bank in Florida has been holding the money and not making it possible for me to receive my share of my parents money even though I am a named beneficiary. The bank sends a letter from the account closure services and tell me to call XXXX suntrust to reach them. THIS IS NOT TRUE. THERE IS NO OPTION THAT ALLOWS ANY CONTACT I had to press the option that says I need to open a new account in order to get a live body this is reprehensible
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I opened an account at Suntrust Bank 3 weeks ago. After receiving my payroll check, I deposited it into my axcount. The bank CLEARED the check ( meaning they have they collected the money ) and then closed my account and is refusing to release the funds to me. No reason given. No explanation. Response from bank has been cold, dismissive apathy. They say they have the right to do this! Meanwhile, my utilities were shut off, bills unpaid, I can't buy food, gas or get to work. I have a XXXX son. Please somebody help me.
|
| 03/01/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
Older American |
|
it's fraud I didn't apply for credit cards or loans it was my XXXX XXXX son who lives with me my XXXX XXXX son doesn't know that my credit and my name and social security number and my address are my own and only for my use due to his XXXX XXXX hurting his reasoning i don't want to pursue any criminal charges or law enforcement presents in the matter because he's XXXX XXXX hurts his reasoning he wouldn't have known that my credit and my name and social security number and my address are my own and only for my use
|
| 03/26/2015 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
I was told by my bank that they did n't accept money orders via mobile upload. I did however upload them. I did n't see the deposits on my account so I went to a branch and had the deposited. Suntrust cashed XXXX sets of money orders and then they closed my account. After I withdrew {$1000.00} I had a balance of {$40.00} well they charged me all types of fees and told me the money orders were no good. I contacted the money order issuing company and confirmed the money orders were good. I have yet to see my {$40.00}
|
| 08/07/2016 |
Yes |
- Bank account or service
- Cashing a check without an account
|
|
|
Web |
|
|
I was issued a personal check. When I went to cash it at the bank that it was drawn on ( Suntrust ), they wanted to charge me {$7.00} to redeem it claiming that I would have to open an account with them for the fee to be waived. This ca n't be legal. Why should I be penalized for accepting a legal financial bearer instrument. It is as if I were to borrow {$100.00} from you, and when you asked for repayment I told you that I 'd be please to repay you but it would cost you {$7.00} for me to take it out of my pocket.
|
| 03/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Suntrust Bank has consistently denied access to our available and deposited funds in our account under the guise of account security. We are making purchases for items for resale and they are consistently declined - for the SAME vendors - repeatedly. These are our daily vendors that we buy from EVERY DAY. We have called and asked that this be stopped as we will continue to make these purchases to fill our orders but they REFUSE to make any accommodation. This is outright denial of use of the funds in our account.
|
| 06/24/2016 |
Yes |
- Consumer Loan
- Installment loan
|
- Shopping for a loan or lease
|
|
Web |
|
|
XXXX, a division of Suntrust Bank, offered low interest rate for used private auto loan. I applied online, specifically choosing auto loan. They contacted me with a few follow-up questions, and soon after denied my loan, referring me to some other company. When I inquired why I was never asked what vehicle I was buying, they told me it was an unsecured loan application. I 'm not disappointed that I was denied. I 'm angry because they misled me and dinged my credit report. I was not looking for an unsecured loan.
|
| 07/21/2018 |
Yes |
- Debt collection
- Auto debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
|
|
Web |
|
|
On XX/XX/2018 Suntrust Bank of XXXX Florida hired XXXX XXXX XXXX ( XXXX XXXX Mgr, XXXX at XXXX XXXX, XXXX, FL XXXX ) to repo my car from my driveway at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX illegally. There is no lien on my newly purchased car. I paid XXXX cash from XXXX XXXX XXXX in XXXX XXXX, FL. I possess a new Florida Vehicle Title that shows clear. This was a bad repo and caused me extreme trouble and inconvenience as well as any forceful damages to my car that they will not release to me from the tow.
|
| 01/17/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
My mortgage company, SunTrust has not removed the PMI from my loan. I have paid well over half of the mortage. I contacted them in XX/XX/XXXXand was told the company needed 12 months of payments and it would come off automatically. But at this point the loan was already paid off over 40 %. So I waited until XX/XX/XXXX when they said it would automatically come off and it did not. I called SunTrust and they said I needed to request for its removal in writing. I did that over 3 weeks ago and have not heard back.
|
| 05/11/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
A account I had with you company Account No. XXXX was closed on XXXX/XXXX/2014. Based on a malfunction of your machine that resulted in a loss of funds deposited. Because the only means that said account funds could be verified were by human count customer would be responsible for any shortcomings is misplaced. Nothing has been provided in regard to the existence of any account much less any mens rea towards impropriety. See Attached. As such this item should be removed from all reporting agencies immediately.
|
| 06/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Non-sufficient funds and associated fees
|
|
Web |
|
|
A COMPANY CALLED " XXXX XXXX XXXX '' received reports from SUNTRUST BANK NA ON XX/XX/XXXX, XX/XX/XXXX, And XX/XX/XXXX. They have accused me of improper banking and I never received a warning during the time I had THAT account with them. This agency XXXX can hold reporting information to other banks & financial instituitons for FIVE YEARS. I FIND THIS TO BE A PROBLEM AS I AM A HOMEOWNER AND WILL NEED TO OPEN ANOTHER HOME RELATED BANK PRODUCT. I HAVE SINCE HAD AN ACCOUNT WITH THEM IN XX/XX/XXXX AS WELL.
|
| 12/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have an auto loan with SunTrust since XXXX. The history report that I have from SunTrust doesn't match with the history report they sent to the credit bureau. Also, this year I submitted more than 5 payments in advance trying to pay off the loan earlier but those payments ha n't help at all. According my report my last late fee was on XX/XX/XXXX. According the last reports sent to th the credit bureau I was late for {$36.00} as XX/XX/XXXX with a mark as a " delinquent ''. Please see attached both reports.
|
| 02/28/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I was charged and overdraft fee on the same day that an item was paid in my account. It has not been 24 hours to rectify the situation. The date the transaction was completed is the same day the overdraft was charged ( XX/XX/2017 ). I am also using the banks Merchant Service in which I get charged as well. On this type of transaction I was charged {$38.00} for them taking out {$.00}. I received payments on XX/XX/2017 from Merchant Services ans should not be charged XXXX fees of {$38.00} ( Total {$76.00} ).
|
| 06/04/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been instructed by SunTrust Mortage rep over the phone that I need to come up with {$11000.00} cash to be able to cancel MIP or Mortgage Insurance from my FHA loan. I have secured the fund with difficulty and mailed them the check ; however, the institution declines to cancel MIP. The office of president is simply telling me it was a mistake! I want Suntrust either remove monthly MIP or refund my fund with damages that caused me such as processing fee, application fee and the interests on the fund.
|
| 12/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
A check written on a SunTrust Bank Checking account was deposited at XXXX XXXX after the payee was altered with white-out and changed by the depositor. The check was accepted by XXXX and drawn on the SunTrust account. The fraud was reported by SunTrust to one of the named/authorized parties on the SunTrust account. A fraud case was opened by SunTrust but nothing has happened in over two months and SunTrust has refused to refund the account or provide any details of the progress to the authorized party.
|
| 05/25/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
NEW CASE, NEW TRANSACTION Missing refund on X/XX/2017 from XXXX for XXXX Fraud department now lying and saying I can not submit a claim/dispute. All I want to do is close my account. They took literally over a month to credit my last missing refunds. Now we are starting again. The contact from SunTrust assigned to me for my last cfpb complaint refused to speak to me and told me she would call me when she would call me and had n't even looked at my case. Essentially, do not call again.
|
| 01/10/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XXXX I was informed that my bank account was closed and a reason was not given. All the money in my account is from XXXX to pay for my mothers funeral services as of XX/XX/2020 i have XXXX in the account when i called suntrust they said if there is a balance they would send me a check. There will be a balance since i didnt get checks or a debit card yet. I think its XXXX that they can close my account for no reason at all or maybe its cuz i had 2 deposits from a charity to help pay for a funeral.
|
| 11/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I received a mailer from SunTrust Bank thanking me for opening a checking account along with checks and deposit slip with routing number and account number. I never authorized this. Then I called them and spoke with an agent who asked for the checking account number, which I gave her from the checks that were mailed to me, she then hung up the phone. This reminds me of what XXXX XXXX did so I wanted to file the complaint. I have attached a copy of the letter and checks and deposit slip mailed to me.
|
| 01/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened a Select Checking account at Suntrust, XXXX NC on XXXX XXXX, 2017. There is promotion associated with this account. The detail of the promotion is in the attached file. After meeting all the requirements. I did not receive any promised bonus. I have contacted the bank several times. First they said I did not provide US address and SSN, which I did provide when opened the account. Then they said they would investigate the case. After that they did not provide further information or solution.
|
| 01/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Ive had a bank account with Suntrust bank for some time now, and just recently I started receiving mail saying that my account had been closed due to some fraud activitys that I know absolutely nothing about. This was my only bank account and Im confused ... Ive never opened up another bank a account or did anything fraud in my life. I wish to resolve this as soon as possible, thank you. I can and will send over all of the necessary documents proving that I was a victim of identity theft.
XXXX XXXX
|
| 11/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # XXXX
|
| 12/27/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
AS OF TO DATE THE COMPLAINT LISTED IN THE PAST COMPLAINTS HAVE NEVER RESPECTED RIGHTS OF MY FAMILY AS GOOD CONSUMERS. OUR HOUSE LISTED AT XXXX XXXX XXXX, XXXX, GEORGIA IS WITHOUT THE PROTECTION UNDER LAW AS IT RELATE TO THE 14TH AMENDMENT OF THE CONST. ; GEORGIA LAW OR XXXX U.S.CIVIL RIGHTS LAW : CHAP. XXXX, XXXX ... .THE FRAUD MUST END WITH HUD AND OTHER GOVERMENT AID AND ABETTING THE FRAUD OF XXXX. ( XXXX ) AND XXXX. COVER-UP.PLEASE READ THE ATTACH COMPLIANT FILED XXXX AND {$250000.00} IN DAMAGES.
|
| 06/15/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a bank account at SunTrust that I opened last year. It has a mandatory minimum of {$500.00}, or a $ XXXX monthly fee occurs, unless a direct deposit occurs to the account. I have been out of work for a number of months and I have had to use money from this account so the balance has gone below {$500.00}. As I have no job, there have been no direct deposits. A fee was charged to me last month and will continue to be till I find a job or replenish the {$500.00}, which I ca n't till I get a job.
|
| 05/24/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
We were waiting for about two years to sell my house to a client and the bank keeps on telling me to renew my personal documents. This is due to us having another bank that they both ask me to renew my documents and after long periods of them asking me and me giving them everything they asked for, they got mad for no reason and told me that they don't want it anymore because apparently I took too long to send the documents that I always sent on time and they are putting the house under foreclosure.
|
| 01/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I asked that my PMI be dropped. I even opened a case with their escalations department. All they are willing to do for me is appraise the house so that I can manually remove PMI. My loan was at 78 % in XX/XX/2018. It should have automatically fell off then. I dont feel like I should have to pay {$450.00} for an appraisal, I feel like they owe me {$450.00} in back PMI payments.
My account is with Suntrust bank. Loan was for XXXX purchase price. It is at XXXX now. I'm still paying $ XXXX/m for PMI.
|
| 01/26/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Managing the loan or lease
- Billing problem
|
|
Web |
|
|
I purchased a XXXX XXXX XXXX XXXX in XXXX XXXX with XXXX down payment and XXXX loan with Suntrust Bank.The rate according to my loan was 3.4 % for 60 months and based on my payment details, I have already paid more than XXXX to this date and according to the bank I still owe XXXX more for the loan to be paid off.
I went to the branch 3 times and one associate provided me with the phone number for the corporate who manage the loan, I called several times unfortunately nobody was able to help me
|
| 09/09/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I obtained, after XXXX years of applying to SunTrust, a modification this summer. I contacted my single point of contact in XXXX multiple times to note that I had an unforeseen circumstance in the business and needed a waiver of the trial period. I made XXXX of XXXX payments timely. I did not hear back from SunTrust on any calls or request to speak. It seems to me that the simple and efficient way to workout the temporary setback is to waive the trial period and/or reinstate the loan as modified.
|
| 08/03/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
Older American |
|
XXXX ATM withdrawals that were not received at the XXXX XXXX in XXXX, XXXX were debited from my account. Provisional credit was initially given and later revoked. My bank provided me with a " Rebuttal Form '' to fax. No acknowledgement was made. It was faxed again 3 months later. Again there was no acknowledgement. I have verification that XXXX faxes were received. A conversation with a VP/Branch Manager produced no results. These were my Social Security funds which is my only source of income.
|
| 04/12/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
On XXXX XXXX I received a direct deposit from my part-time employer and called in this morning to get the balance. My call was transfer to a representative and she told me my account was being closed due to Suntrust Regulations. It makes me upset that they close your account without warning and you cant ' get an explantation on your own money that your worked hard for. I also have a checking account with them and wrote a check and now my check is going to bounce because my account is on hold.
|
| 12/12/2017 |
Yes |
- Student loan
- Federal student loan servicing
|
- Dealing with your lender or servicer
- Received bad information about your loan
|
|
Web |
Servicemember |
|
I have loans totaling apps {$40000.00} from XXXX. I ca n't verify this amount. The bill is currently near {$80000.00}. The loan was consolidated with my husbands who borrowed much more than I, died in XXXX. They forgave his debt but from what I can discover, I still owe more than he ever did. They will not verify anything with me or tell me how they come up with the math that seems very unfair. I am currently in low income deferment but would appreciate clarification on the numbers. Thank you
|
| 11/10/2017 |
Yes |
- Vehicle loan or lease
- Loan
|
- Getting a loan or lease
- Credit denial
|
|
Web |
|
|
Suntrust Bank - XXXX continues to lie to the CFPB and myself. I will attach my Credit Score from XXXX, as you will see it has not dipped below the XXXX mark and on XXXX XXXX, 2017, the date of their inquiry it was approx XXXX, not a score of XXXX as they claimed to the CFPB and myself. They flat out lied. Furthermore their basis of rejection was I believe in violation of discrimination on my discharged Ch XXXX, again they claimed I was still active in this, I was discharged, case is closed.
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
XX/XX/2018, is the date stated on my credit report as an inquiry for an autoloan. I did not submit an application to XXXX. When the customer service department was contacted on XX/XX/18 to dispute the inquiry, I was given an excuse as to why it could not be deleted. I tried another time on XX/XX/XXXX with XXXX, who advised me to contact the company and the same resolution was given. My car was financed with XXXX XXXX and not XXXX XXXX. I do not have an open account with the company at all.
|
| 03/19/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
|
|
fraudulent check under our my name deposited @ XXXX bank and fund was drawn from my suntrust account.
checks XXXX for XXXX blank check XXXX for XXXX XXXX for XXXX XXXX for XXXX These transaction hit my account on XX/XX/2019. aware of it on XX/XX/2019 and file a complain with Suntrust bank. case # XXXX was told by fraudulent dep. that will take 15 days to investigate.now passed that we tried many times to get response but calls goes to their support center in XXXX hard time understanding.
|
| 06/07/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
Good afternoon. I am filing another complaint in regards to Suntrust Bank. Since the initial opening of the account, I had requested overdraft protection on the account, meaning : It will never result to a negative balance. After the first complaint, I had refilled the account back to positive. However, there are still continuous issues with the checking account. I do not ever seek for the account to result to a negative balance. Transactions are never declined, and it is a serious issue.
|
| 11/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
Servicemember |
|
I opened a Suntrust bank account online that had a promotional offer this past summer. I was never able to log into the account online or activate the debit card. I was told in order to do both and needed to go to the branch. I informed them I am XXXX and unable to go to the branch. I was then informed no exceptions could be made. At that point I told them to close the account then. Months letter I receive a letter in the mail stating the account I never used was now {$15.00} overdrawn.
|
| 10/06/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Advertising and marketing, including promotional offers
- Didn't receive advertised or promotional terms
|
|
Web |
Older American |
|
Charge approximately % 2500- {$3000.00} per month on SunTrust XXXX . Typically pay in full and avoid interest advertised at 16 %. Left {$300.00} unpaid first of XXXX. XXXX statement included {$12.00} interest charge due solely to my leaving a {$300.00} balance the previous month. That is 51 % interest.
I am aware that Supreme Court decisions have rendered state usury laws unenforceable. Burying a 51 % rate in indecipherable small print is no justification for robbing consumers however.
|
| 12/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I opened an account online not realizing the bank was 3 hours from me. Well I tried to transfer my money out of the account without having to drive so far as I am pregnant. They locked my account and told me to come to a branch in person to collect my funds. Well I drove the 3 hours and they closed my account and said that the money would be sent via mail. Wel I got a letter in the mail from them saying that the funds would be sent if they dont collect them or something to that extent.
|
| 12/09/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
File a dispute through my credit monitoring company XXXX to remove a SunTrust Mortgage account that was first delinquent 7 years ago. SunTrust Mortgage responded that information was being reported accurately. The issue is not accuracy but age. The SunTrust Mortgage report list the subject account a a " XXXX '', which is defined as XXXX days past due in XXXX of XXXX. It was therefore past due in XXXX XXXX. Since this was 7 years ago the account, by law, should be remove when requested.
|
| 01/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
Servicemember |
|
SunTrust Bank denied me the processing and receipt of a new debit card after it was reported stolen. They told me I would have to receive a text message and answer " credit-application '' like questions. They said they added some extra security to my account but it felt like they were ordering credit products without my permission as they refused to send me a new debit card. I feel like they want me to close the account so they can hide the fact that they actually stole money from me.
|
| 04/27/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
My mortgage with Suntrust Bank was sold off to another company in XXXX this year. I am trying top refinance but the data Suntrust supplied to the credit reporting agencies was missing or not complete. I called Suntrust weeks ago and asked for a 5 year record of my payments on my mortgage ( # XXXX ) and was told they would only mail it. It's been a couple weeks and I have received nothing. I aske if the could email it but that wasn't an option. This is holding up my loan application.
|
| 01/10/2018 |
Yes |
- Student loan
- Private student loan
|
- Getting a loan
- Denied loan
|
|
Web |
|
|
Hello, I cosigned a student loan for {$15000.00} on XXXX XXXX, XXXX, for my little sister, who is a freshmen at the XXXX XXXX University - XXXX Campus ( XXXX XXXX XXXX. I have great credit ; however, I am currently in between jobs at the moment and part of my income is derived from unemployment insurance. I believe the company denied our request for a loan due to the fact that my income derives from a public assistance program, which violates The Federal Equal Credit Opportunity Act.
|
| 08/13/2016 |
Yes |
|
|
|
Web |
|
|
SunTrust grants rewards points on credit card purchases that can be redeemed for various items, including statement credit and direct deposit to a SunTrust checking account. Beginning with my XXXX 2015 credit card statement, the rewards available are included on the statement. The points on the statement are higher than the reward points that are available for redemption on line. SunTrust explained the difference as a " statement error '' and has been unwilling to resolve this issue,
|
| 09/25/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I opened the checking account with SUN TRUST bank in XXXX Ga. and Deposted my social security check {$1200.00} on XXXX. On XXXX, SUN TRUST decided that they did not want to do business with me. But as of XX/XX/2019 they have not returned my funds. I/my sister have called and spoke with employees, supervisers, manager and they all respond in casual manner as if, its ok for them to hold my funds for 2 MONTHS!! and not return them. they stated that the fraud deptmt is holding my funds.
|
| 08/08/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
Servicemember |
|
I went to the Suntrust Bank in several locations where I was being followed by XXXX Men and Women discussing my bank account and making false allegations about my personal life. I have a block on my debit card on which I do not know why. Can you help me? I am being harassed about issues that I am having with the XXXX. They are trying to make it look like I have major problems with causing XXXX XXXX to make allegations about me and my mental fitness. I need access to my bank account.
|
| 09/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
Suntrust Mortgage is now sending out monthly statements to consumers that show balance and payment activity through the XXXX of the month. Any payments they receive between the XXXX and XXXX of the month are not shown as paid on time. As a result, consumers are sent billing advices for the next month which state that a double payment is due when in reality it is not. This practice is deceiving and trying to shorten the grace period of 15 days which the Mortgage Agreement allows for.
|
| 05/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Good Morning, for almost 3 years i still see new inquires in my credit reports which has not done by me, i have left the United States back on XXXX, but i definetely know that somebody has been using my identity for their own purpose for the years, I kindly ask you to delete these inquires from my XXXX, XXXX, XXXX, Chexsystems reports also i have already made report at XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX Suntrust Bank Dba XXXX Inquiry from XX/XX/XXXX XXXX
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| 01/03/2017 |
Yes |
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Web |
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Paid my Suntrust credit card in full and on time. Suntrust says is was late and fined {$20.00}. Contacted Suntrust to disagree and spoke to several supervisors about issue. Fee became larger and larger to {$180.00}. Then had this reported against my credit, which no supervisor ever mentioned. Have now paid {$180.00} ( which was reduced to {$110.00} with credits from collection agency ) in full but still have credit issue. Credit score was 845 before Suntrust debacle over {$20.00}.
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| 04/21/2018 |
Yes |
- Checking or savings account
- Checking account
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- Opening an account
- Unable to open an account
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Web |
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Suntrust Bank opened up a checking and money market account for me on XX/XX/XXXX. I deposited XXXX in the money market account and XXXX in the checking account. On XX/XX/XXXX Suntrust told me my accounts have been closed due to undisclosed federal regulations. They would not tell me the reason even after going into the branch. They then told me my money would take 30 days to mail back to me. I find this unacceptable that over $ 21k dollars is tied up by the bank for this long.
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| 10/10/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Struggling to pay mortgage
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Web |
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I applied for the Illinois Hardest Hit Fund program offered by IHDA. IHDA sent SUNTRUST a request in XXXX OF 2019 to verify all of the figures on my mortgage. This normally should take no MORE than 35 business days.
It is now 3 months, and I do not have any answer from this lender. My file is sitting at IHDA collecting dust since Suntrust has not answered and seems to not know what they are doing.
Can Suntrust please answer IHDA so I can get mortgage assistance. Thank you
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| 05/20/2015 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
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|
Web |
Older American |
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On XXXX XXXX, 2015 I initiated a money transfer Bank to Bank from my bank ( SunTrust ) to a bank in XXXX XXXX ( XXXX ) in the amount of {$38000.00}. On XXXX XXXX, 2015 I sent another transfer to the same bank in the amount of {$35000.00}. I was informed that the funds would be available by XXXX XXXX, 2015. To date the funds have not been released and the bank refuses to give an explanation as to why it is holding the funds. In view of this I want my money refunded immedately.
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| 04/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
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Web |
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I bank with SunTrust since last XX/XX/XXXX and as of XX/XX/XXXX they closed my account for no reason, something about rules and regulations and I contacted a lawyer and was told to go to one of the branches and close the account out on my own and take my money and bank some place else, but they told me I couldn't do that either, so I'm on the verge of being homeless cause I don't have any money, I've done everything and no help. I haven't done anything wrong. Please help me
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| 12/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
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XXXX XXXX XXXX reported a failure to pay on my auto loan in XXXX of 2016 even though I have made payments continuously made payments throughout my bankruptcy case and up to the present. They have also reported my account as closed when it is still open and I am still paying the note every month. I do understand that reporting is stopped once the account is taken into bankruptcy, however Suntrust is still receiving regular payments from me so I should get something for that.
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| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
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Web |
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The issue is that the my account online did not show/reflect one of the bill payments and so I thought I still had time to deposit money into the account via atm. ATM deposits are instant so I presumed that if I deposited before the charge hit, I would not be charged an overdraft fee. I presumed wrong. The bank conveniently later in the late night/morning made it so that the bill payment would show up before the ATM deposit so they could charge me a {$34.00} overdraft fee.
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| 09/20/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan servicing, payments, escrow account
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|
Web |
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Filed Bankcruptcy in XXXX got Discharge in XXXX. Included in that bankruptcy was the Home Equity line of credit from Suntrust Bank. For some reason Suntrust Bank is saying I have a past due payment of {$4100.00}. from this Home equity line of credit. When the bankcruptcy was file there was no past due amount. Also on my regular mortgage payment it has been current up to XXXX/XXXX/16. I need for Suntrust to correct his error in statement on my credit. ( Documents provided )
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| 06/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
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XXXX had started a life insurance policy. The account XXXX short. the bank decided to charge overdraft charges and then hit the account with maintenance fee and another overdraft fee. I was told by XXXX, because she receive XXXX the bank should never have charged her the second fee. XXXX never asked for overdraft because she just had problems with XXXX XXXX XXXX. I know that the bank took it upon themselves to do this and why dint they take the money out of saving account.
|
| 07/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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|
Web |
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I looked at my credit report and noticed a total of XXXX credit inquiries, i never authorized the hard inquiries and was told several time by both dealerships that there would not be a hard pull on my credit. this was on the XXXX of XXXX. i told them several times do not run my credit hard pull without my permission and they did it anyways. I also had a similar problem on the XXXX of XXXX from XXXX XXXX XXXX where they ran my credit countless times without my permission.
|
| 07/29/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
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|
Web |
|
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In XX/XX/XXXX I bought a XXXX XXXX through Suntrust Bank. In XX/XX/XXXX my account fell behind. I lost my job and I was unemployed for an extended period of time. The car was repossessed in XX/XX/XXXX. This is still being reported on my credit report. On XX/XX/XXXX I filed a dispute with XXXX. They immediately re-reported the debt even though the timeframe is over 7 years. This debt should n't be being reported since the time frame is past the legally allowed timeframe.
|
| 04/11/2017 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
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A person name XXXX opened an account with SunTrust on XX/XX/XXXX using my social security number, driver 's license, and pay stub. She stole my driver 's license on XX/XX/XXXX and stole my mail from my mailbox end of XX/XX/XXXX to XX/XX/XXXX. she then went online and put a forwarding address on my name to her address. I did not open an account with SunTrust. I have never heard of SunTrust Bank. I am requesting that they retract their credit check from my credit bureaus.
|
| 02/05/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
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Do to recent events that Loan # XXXX is missing a large amount of funds from escrow & loan principal balance, further there is evidence of misapplied, duplicated, removed funds and faulty XXXX. The borrower is requesting evidence which SunTrust has so far ignored.
SunTrust stating that they originated the loan but now they are only the Servicer NOT the Note holder/Investor.
Certified Copy of the Note, all Assignments and Endorsements. ( see attached official Request )
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| 08/18/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
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SunTrust bank is charging me an account fee of {$25.00} a month. This is contrary to the agreement in place, based upon my overall relationship with the bank. I have complained about at least XXXX times and they take off the fee, but then the charges come back. I should n't have to call and complain every month. SunTrust should have adequate accounting systems in place to abide by their own policies and fee schedules. A recent statement is being submitted as an example.
|
| 07/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Suntrust has used fraudulent and non-transparent 'posting dates ' to steal from me. They will remove money from the account, then return it, only to take the money back once the given charge would drop my balance below zero. This is clear theft by deception and fraud. Additionally, I have directed Suntrust to DENY any transfer that would lead to insufficient funds, yet they still chose to defraud me by ignoring this directive. Suntrust has committed theft by deception.
|
| 06/07/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
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I made a deposit of XXXX funds on XXXX/XXXX/16. When the initial hold was placed it was until XXXX/XXXX/16. Then it changed to XXXX/XXXX/16, making it 31 business days instead of 30 but I considered the holiday and did not complain. It has now been extended to XXXX/XXXX/16. This is ridiculous! The funds were withdrawn from my XXXX account weeks ago and the supporting documentation was faxed to their XXXX office and instead of releasing the funds they extended the hold.
|
| 04/15/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with fraud alerts or security freezes
|
|
Web |
|
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I Have applied for a Loan, And been Scammed into a Fraudulent activity. I dint Know. Its has hurt my account and caused it to be in a Negative Balance. I have been on the phone with my Bank all last week. It has falling on me. All this begin on XX/XX/19. Now i just do know what to do, i am in hole. My bank should see my History and know i have not done any like this before. My bank act so cold towards me like they do not care. i am very surprise at them and very hurt.
|
| 08/28/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
SUNTRUST BANK IS PLAYING SILLY GAMES, THEY CLAIM I OWE THEM SOMETHING, THEN WHEN I CALL THEY WANT TO RECORD ME, THEN I SAY I AM RECORDING THEM, AND THEN THEY HANG UP ON ME, THE LOCATION OF THE BANK XXXX XXXX XXXX XXXX, XXXX XXXX FL, XXXX, I WENT TO THEY SAID I HAD AN ALLEGED DEBT, I THEN CALL THE PHONE NUMBER AND THEY PLAY THIER SILLY GAMES, SEND ME A 'BILL ' NOT A STATEMENT I SAY, 'BILL ' A STATEMENT SHOWS WHAT WAS OWED AND HAS BEEN PAID, SHOW ME PROOF OF VALID DEBT,
|
| 03/20/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX.
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not.
They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.
|
| 07/16/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In two years of having Sun Trust / Suntrust Bank service our loan, they have twice missed the annual property insurance deadline and also missed paying our county property taxes once. I have spent ~20 hours fighting with different unhelpful agents to get them to make the payments for which they are escrowing money from us. The current property insurance payment is approaching 3 weeks late ( still not received ) and I can not get a clear answered when/how it was paid.
|
| 07/16/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
|
|
Web |
|
|
I have a loan with SUNTRUST BANK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SUNTRUST BANK with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX-XX/XX/XXXX.
|
| 08/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
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|
Web |
|
|
On XX/XX/XXXX, I requested SunTrust provide me with 3 documents with respect to that certain document titled Loan Modification Agreement and recorded on XX/XX/XXXX. This request was not fulfilled in SunTrust response dated XX/XX/XXXX, therefor it remains outstanding. As such, please provide copies of : 1 ) Any endorsement of his document, 2 ) Copy of an allonge, and 3 ) Copy of any bailee letter.
This will serve as my second request. - Thank you, XXXX XXXX XXXX
|
| 03/16/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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SOMEONE tried to open a credit card at XXXX XXXX a store I havent been in to in over 10 YEARS, on TWO different occasions!! THIS IS NOT ME!!! Im getting two hard inquiries on my credit report from this store!! One on XX/XX/XXXX and the other on XX/XX/XXXX - THIS IS FRAUD!! I also DID NOT make any kind of inquiry with Suntrust bank on XX/XX/XXXX OR with XXXX on XX/XX/XXXX!! This is absolutely insane. PLEASE HELP ME!!! These need to be removed AS SOON AS POSSOBLE!!
|
| 06/03/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I had an account with Suntrust for over XXXX years. Both Business and Personal. Today without notice they closed all my accounts. I never received a call. Now on my wife 's direct deposit is going in and we can not get to that either. We XXXX opened this account XXXX. Now On my business account I was working with a client who gave me a bad payment and no Suntrust did not lose any money. But I can not get to my money either and I have a good standing for over XXXX
|
| 01/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Suntrust were experiencing online issues, during this time were not able to access the account as we could before on a daily basis. This took place over a 30 to 35 day period of not having access or be able to perform payroll After noticing fees and account overdrawn, I contacted the bank on several occasions, even went into the bank Personally at least twice ... ..They did refund 2 of the fees, However ... .Those were the ones that they did just to be saying so
|
| 08/30/2017 |
Yes |
- Payday loan, title loan, or personal loan
- Payday loan
|
- Money was taken from your bank account on the wrong day or for the wrong amount
|
|
Web |
|
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Suntrust, XXXX XXXX XXXX, XXXX, VA XXXX {$330.00} XXXX penalty for the following violations : Mistaken identity claim effective XXXX, mail fraud penalty of {>= $1,000,000} for XXXX XXXX XXXX, XXXX, VA XXXX, equipment leasing fraud with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and attempt to purchase homes with fraudulent documents with XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX XXXX of Dividend History ( XXXX adjustment ) and XXXX XXXX reporting, {$220000.00} fee
|
| 06/19/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
While checking my personal credit report with all XXXX credit bureaus in XXXX XXXX , I noticed several inquiries made by numerous of organizations on XXXX / XXXX / XXXX . I have reached out to the organizations and no one was willing to help due to the age of the inquires. I have even went as far as mailing certified letters to the credit bureaus requesting for the unauthorized inquires to be removed XXXX . Only to get back a generic response from them.
|
| 01/10/2020 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Older American, Servicemember |
|
On XX/XX/2019, I wired money ( {$25000.00} ) to XXXX XXXX XXXX XXXX out of the XXXX via their U.S. agent in Florida, XXXX XXXX, at Sun Trust Bank in XXXX, Florida. This scam artist stole the money. I filed a complaint with the local police, incident # XXXX, XXXX XXXX Police, of XXXX, Pennsylvania. The police issued a search want to Sun Trust to produce evidence of the crime. Sun Trust has failed to comply for two months. XXXX XXXX was the origin of the wire.
|
| 09/02/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Apparently in XX/XX/2019 SunTrust raised their minimum daily balance requirement on Signature Checking from {$2500.00} to a whopping {$25000.00} without notice. Beginning on XX/XX/19 they have been deducting a monthly fee of {$25.00} even though my balance has never dropped below {$3000.00} and I continue to maintain my mortgage there. They made this change without notice and I only discovered this when I reviewed the surprising deductions that had been made.
|
| 04/30/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Fees charged for closing account
|
|
Web |
|
|
I closed a checking account on suntrust bank. due to an auto pay the bank open my account once again and the auto pay was trying to withdraw. so since I didn't have any money. the bank was charging me {$35.00}. each time that they were trying to withdraw. so I went to the bank to see was happening they told me that they open the account again for the same reason. so they charged me a total of {$550.00}. I didn't wan na pay them and they sent me to collection.
|
| 01/24/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Having enough in my account from my retirement XXXX every since I open up this account constantly been accessed fees that were inappropriate due to abuse of power by the president at the bank also based on stigmatized and sterotyped being of another race. And taking me like I am stupid and constantly every month being charged excessive fees that were deemed to be access to my account ; Suntrust bank on XXXX XXXX in XXXX pk XXXX XXXX XXXX XXXX. facing biases.
|
| 12/12/2016 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.
|
| 11/03/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I paid XXXX mortgages using my Suntrust business checking account.
On XX/XX/XXXX online banking showed I had insufficient funds but all XXXX were posted, not pending or on hold, and I was charged {$38.00} for each for insufficient funds. The next day, XX/XX/XXXX, Suntrust added an additional {$38.00} return fee for each of the XXXX. This was in addition to the {$38.00} insufficient funds fees. I think I should have been charged one or the other, not both.
|
| 03/04/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We got a new mortgage payment from Suntrust Mortgage. They are increasing our monthly payment from {$1400.00} to {$1800.00}. We have revised the information ( see attachment ) and all numbers are the same for the new monthly payment except the property taxes. We went to XXXX county and they increased our taxes by {$98.00} per monthy but Suntrust Mortgage is increasign our montlhy payment by {$390.00}. We do n't have budget to pay this new mortgage payment.
|
| 04/27/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Suntrust bank and XXXX is not willing to take out me as authorized user from the account that has been closed and charged off because the owner of the account has passed! i was authorized user for work relation for some periods of time before the owner passed! Both party Suntrust and XXXX are aware I was only authorized user and I am not liable for that account, ,if I am not liable for the account why should this negative account show in my credit repot!
|
| 11/08/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Older American |
|
Sun Trust Bank has been arranging it 's deductions from my account to result in overdraft fees. I have also been informed that it has done away with showing it 's customers a running balance, making it impossible to know one 's balance at any particular time or to reconcile one 's account. Such predatory practices have been instituted to directly increase the likelihood of customers incurring numerous overdraft fees. It is impossible to prevent such fees.
|
| 05/27/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX is reporting false accounts on my report and I haven't been able to open a bank account. I have been a victim of identity theft and my character is being assassinated and defamed. Someone stole my information and opened bank accounts. XXXX is reporting identity theft and fraud on my name by having this accounts on my report.
SunTrust, XXXX, XXXX, XXXX XXXX financial institutions have been reporting balances owed, I never opened accounts with them.
|
| 01/22/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
Older American |
|
I have a debt with Suntrust bank. I have been trying to set up payment arrangements and they have not been able to understand that I am on a fixed income since my husband XXXX last year, so I am unable to make the payments that they have wanted. I have tried to work with the hardship program and they still want more than I am able to give them. This is affecting my credit and its not fair when I am willing to pay just do n't have much money to give them.
|
| 01/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
Wrote a person a check of {$1000.00} from my business account.
Check was paid by Suntrust on XX/XX/XXXX.
Check was paid by Suntrust again on XX/XX/XXXX.
Person claims they found the check and deposited again thru their XXXX XXXX XXXX app.
How can a check clear twice?
How can a check clear twice almost a year later?
I submitted my claim to Suntrust at it was denied because I did it after 30 days from the check being paid. ( The second check. )
|
| 10/19/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Servicemember |
|
In 2015 a fraudulent check was deposited in my Suntrust account, I notified ny local branch manager it was reported to the fraud department. I also filed a police report on Identity theft previously. My Account was overdrawn because of this check. Suntrust prematurely closed the account. Leaving me with a balance I assume. This was reported to collections but I was made aware. Now i have a problem with being in chexsystem with both Regions And Suntrust.
|
| 12/03/2017 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Problem with rewards from credit card
|
|
Web |
|
|
On XXXX/XXXX/XXXX I redeemed some of my rewards points for my suntrust credit card for three {$100.00} XXXX gift cards. They never arrived. I called Suntrust and they were very unhelpful, they refused to just give me the gift card numbers, or to cancel the gift cards and send new ones. I also filed a complaint on XXXX I believe but I have heard nothing back from them, they have sent me no updates, or even an acknowledgement that my complaint was filed.
|
| 03/23/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
We have a mortgage with SunTrust mortgage. We set up an escrow account for insurance and taxes. Suntrust paid our property taxes but failed to pay our hazard insurance. we had a claim for XXXX in process so now we can not get a company to cover us, So now we can not get coverage of our choice. we are forced to accept citizens and had to pay a XXXX point inspection of {$120.00} + in 5 years we will need to get rewired and a new panel to pass inspection
|
| 09/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
Older American, Servicemember |
|
XX/XX/2019 - Was removed from electronic statement without any notification and charged {$3.00} for a paper statement. No notice was given. This must be some change due to the XXXX XXXX XXXX buying the bank, but customers are getting screwed by the bank.
XX/XX/2019 Contacted company in writing to notify of unauthorized ( FRAUD ) charge on my business checking account.
No one has responded and no credit was given within 10 days as required by law.
|
| 09/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
After 20 years as a customer, I got a letter saying on XX/XX/XXXX they will be closing my account, what they didnt tell me was that they froze my account on XX/XX/XXXX and they are processing my closing account, really XXXX weeks and it s still processing, that money I wanted for my wedding, its not much but its still over XXXX and I have talked to everyone and I get the same runaround processing, you dont do that to people, I just want my money back
|
| 07/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I filed a complaint with CFPB on Suntrust XXXX which Suntrust as usual denied claim and CFPB did nothing, since then Suntrust abrupyly closed my account I have no access to my funds and my funds are not returned they can not illegally hold my money they are Suntrust angry I filed a complaint with CFPB and I told them I would file a complaint with the Federal Reserve, Suntrust has XXXX American mangement I am XXXX they descriminated against me as well
|
| 07/08/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have a loan pending with Suntrust Mortgage for a refinance. Since XXXX, XXXX inquiries have been made by Suntrust Mortgage and XXXX Mortgage Services on behalf of Suntrust.
I never authorize excessive credit checks by Suntrust and XXXX Mortgage Services on behalf of Suntrust.
This is action by the lender and the credit reporting service is unethical and illegal. Please have them remove the excessive inquiries from my credit files XXXX. Thank you.
|
| 04/18/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
|
|
My Name is XXXX XXXX XXXX, on XXXX, 2018 I wired {$65000.00} to XXXX XXXX Account number XXXX and routing number is XXXX from my account in XXXX XXXX XXXX account # XXXX not knowing that someone have hack into the email and change the account number. XXXX XXXX of XXXX have file a complain with FBI, I have not file a complain with Suntrust yet. dont know where can I find them. since the account and name does not match they shouldn't accept the money.
|
| 10/13/2016 |
Yes |
- Bank account or service
- Savings account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a variety of accounts with Suntrust Bank, all of which are supposed to be no fee. Every few months, I will start to see fees again. I have to go into the bank, meet with an advisor who always apologizes, says the fees are erroneous & takes them off. This lasts a few months & then the fees reappear again. This happens on my accounts, my children 's accounts and my husband 's accounts & is chronic & ongoing. Very frustrating & seems fraudulent.
|
| 08/19/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My father has deposited {$1000.00} to my SunTrust account to pay for my XXXX XXXX mortgage loan. As you can see with the evidence of check image print, deposit of {$1000.00} was made. However as you can see only {$200.00} was deposited on my account.
As a result of this horrible incident, {$800.00} went missing and my mortgage payment has been past due. With evidences attached, I have been charged with multiple late charges and fees from XXXX XXXX.
|
| 06/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Card opened as result of identity theft or fraud
|
|
Web |
|
|
Suntrust bank opened 2 credit card accounts in my name without permission. I have filed a complaint and am in the process of closing all accounts. Branch manager ( XXXX XXXX, XXXX, VA ) tried to deny the accounts existed, though online banking showed them as active. Once manager admitted the accounts existed she tried to say they were opened in 2016. The accounts were opened within the last 6 weeks. There is a internal investigation from Suntrust.
|
| 03/09/2017 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Hi my name is XXXX, I open a Account at Suntrust Bank XX/XX/2017 online I then deposited XXXX that day I also deposited money again XX/XX/XXXX XXXX and XXXX and I open the account online on the XX/XX/XXXX I went in yesterday try take money out they say they ca n't hold on my money no letter in mail no call nothing then so when I talk to management at bank he say cause I open account long ago before we was n't supposed to let me so ok where my XXXX
|
| 06/10/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
A check issued by me in XXXX was withdrawn twice - one in XX/XX/XXXX and another in XXXX XX/XX/XXXX. First of all, the bank did nothing to stop verify the validity of the check. How can they withdraw money from a check that is 2+years old? Second, I called them multiple times to resolve the issue but they showed no genuine interest in doing so. They helped someone steal my hard earned money and did nothing to stop me or help remedy the situation.
|
| 05/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Attached to this complaint are 5 hard inquires from XXXX ( 2 ), XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. I have spoken with all 4 companies and none of them are willing to work with me on reporting these as unauthorized/fraudulent. I would like them removed ASAP. I have worked with both parties and neither the 3 companies or XXXX or XXXX are willing to help me get these removed. They both say back and forth call them and ask and vice versa.
|
| 08/11/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
Older American |
|
I was working with Suntrust Bank on a mortgage and gave them the fee to do an appraisal on the home to be purchased. They never did the appraisal and never returned the fee. I filed this complaint with cfpb a week ago or so, and someone called me from Suntrust once, told me the person they wanted me to talk to was unavailable and they would leave a message for her to call me. I told them to call me on my cell phone but they never called me back.
|
| 06/15/2016 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
SunTrust mortgage had given me a negative credit report. They have contacted the credit bureau 's and reported late payments that are not true. Most of the report states unknown on receiving payment on time. I have complained to them that my payment is due on XX/XX/XXXX, but not late until XX/XX/XXXX. This is a VA loan and this is how it reads on paper. They still continue to call me to inform me my payment is late and it is not XX/XX/XXXX yet.
|
| 01/23/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
Sun trust bank put a one week hold on a deposit I made on XXXX XXXX, 2016. I have document proof that each of the XXXX checks that made up the deposit were cashed at the respective banks on XXXX XXXX, 2016. Talked with a supervisor on XXXX XXXX, 2016 and was told they would release the money on the next day. They did not and they refuse to explain why the hold is still in place. Statement says the hold will release on XX/XX/2016. This is wrong!
|
| 08/28/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Sun-Trust Bank has freeze my checking account since the past 7 days due to some Cashier check I purchased with my credit card and authorized to them that I did purchase it with my funds, they still yet to open my account and has resulted me in great loss with my customers and business ethics. I need them to open my account and release my funds to me so I can assist clients who paid into my account for there jobs to be done.
Regards XXXX
|
| 10/19/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
received a letter from XXXX XXXX XXXX XXXX concerning a debt from sun trust bank for XXXX i spoke to them on XXXX occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from sun trust but received nothing from them. they have ignored my request to dispute this debt.
|
| 09/15/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I sold my condominium and as a result was due certain refunds. SunTrust sent me checks for those refunds. However, the checks expired before I was able to deposit them. I attempted to contact SunTrust to have the checks reissued but was told the department that issued the checks does not speak with customers. Since the checks never cleared I checked my state 's unclaimed property listing, however no record of the funds due to me are shown.
|
| 04/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
I made a payment to XXXX using my checking account with SunTrust for $ XXXX XXXX, 2019. SunTrust reversed the payment to XXXX which resulted in a {$27.00} return check fee added to my balance. SunTrust reversed the payment without my consent or knowledge. I requested SunTrust to return payment but it refused.
XX/XX/2019 XXXX XXXX Denied Balance Payment Loading transaction details for XXXX XXXX Denied Balance Payment - negative {$27.00}
|
| 05/24/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Every time I submit a rebuttal to my complaint against suntrust, my complaint is closed. This is completely unacceptable and I expect a response from suntrust regarding my rebuttal to case number XXXX. My complaint needs to be reopened and never should have been closed. This is completely unacceptable! I thought this site was for CONSUMER PROTECTION. Every time you close my complaint, you 're protecting the unscrupulous mortgage company!!
|
| 07/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
In XX/XX/2019 I paid down my mortgage to below 30 % of my original loan and they are STILL charging me PMI. I have called many times, I faxed a request to get it removed and they are still charging me 4 months later. You can not get anyone to give you an answer and the PMI department is only available by direct mail or fax. ( The first letter I sent them was returned because the address was wrong. I sent it to the address they gave me. )
|
| 06/08/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
Servicemember |
|
On XX/XX/2018 I spoke with XXXX at XXXX regarding account ending XXXX where I paid {$63.00} to clear up any outstanding balances or fees with Suntrust Bank. I was advised that I would be removed from XXXX XXXX and XXXX XXXX XXXX so that I could either reopen my Suntrust account and/or start a new account with other banks.
payment Confirmation # XXXX XXXX was also suppose to email me a copy of the receipt after payment but never did so.
|
| 06/02/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
NEW COMPLAINT : No credit of refund of XXXX issued by XXXX on XXXX .
Number 3 ACTIVE UNRESOLVED COMPLAINT. SunTrust still forcing my account open due to refunds owed TO ME BY SUNTRUST.
Suntrust has made ZERO CONTACT WITH ME ON ANY OF THESE OPEN AND UNRESOLVED COMPLAINTS.
I want SunTrust to contact me ASAP, explain What They intend to do to help me and a projected time frame for resolution to return my STOLEN FUNDS.
|
| 01/15/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
SunTrust Bank received a payoff on a consumer loan for a double wide mobile home in my name and my wife 's name and instead of sending us the title they filed a lien in the name of XXXX bank and forwarded the title to XXXX bank whose sole role was to issue a check for us. XXXX Bank has no financial interest in our loan on our double wide trailer. Additionally XXXX bank is unable to deliver the title to us as they do not seem to have it.
|
| 12/11/2015 |
Yes |
- Bank account or service
- (CD) Certificate of deposit
|
- Account opening, closing, or management
|
|
Web |
Older American |
|
I opened a CD on XXXX/XXXX/XXXX, with SUNTRUST BANK, the account n number was XXXX. I renewed this CD year after year, the last time I received the XXXX and annual statement was on XXXX/XXXX/XXXX, the balance at that time was {$35000.00}. Since that date year after year I have been trying to get my money back. The answer from Suntrust Bank is " no you never had this CD there is nothing here. Can you please help me find my CD? Thank you.
|
| 08/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
My SunTrust checking account has declined overdraft protection. One item overdrew my account several weeks ago. Since then, instead of declining transaction as agreed, SunTrust has continued to approve them - often under {$10.00} - in order to charge me a {$36.00} overdraft fee for each instance. There are now hundreds of dollars in overdraft fees on the account for transactions that should never have been approved in the first place.
|
| 04/16/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
SunTrust mortgage Charged off a 2nd mortgage of {$60000.00} in XX/XX/XXXX. I have credit reports to document charge off status.
InXX/XX/XXXXI asked to have charged off account deleted from my credit report to assist in credit rebuilding. I have a letter from Suntrust Deleting the Trade Account.
SunTrust did NOT release the lien on the property. I am attempting to refinance and being told I must pay back {$55000.00} to clear title.
|
| 07/29/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I co-signed for a auto loan for my daughter XXXX with suntrust bank. Then approximately 2 years went by and I was trying to get a mortgage to buy a home through another bank, and when they checked my credit I had a bad score because of a late payment filed by sun trust bank. Sun trust bank did not contact me to order me to make the payment. If so I would have promptly paid them. They put out a damaging report however as if they had.
|
| 10/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
on XXXX XXXX 2017 opened account with, XXXX XXXX XXXX XXXX. they started running hard inquiries they did three in one a month, two on same day XXXX XXXX 2017 and shared my information with suntrust bank that ran a hard inquiry with out my permission contacted XXXX XXXX to get them to stop.had to close account with them to get it to stop now I have 4 hard inquiries on my credit report and my score has been lowered need this removed.
|
| 07/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
A credit was issued for a dispute, claim XXXX, on XX/XX/XXXXin the amount of XXXX. The item in dispute, XXXX from XXXX, cause an overdraft fee when it posted on or aroundXX/XX/XXXXin the amount of XXXX. I was told any fees associated with transaction would be credited back once claim is resolved. Again, I see a credit was issued but do not know if claim is resolved in my favor or not. If so, I need overdraft fee credited back ASAP
|
| 06/01/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
While checking my credit report, I noticed that there are two missed payments showing on my Sun trust account from year 2016. I have previously disputed these missed payments. Missed payments were due to my Bank Account being compromised by fraud therefore causing delays. I informed the representatives at Suntrust Bank of the compromising of my bank information and late payment information was stilled reported to credit agencies.
|
| 11/15/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
SunTrust Bank closed my account for no reason and gave no reason in their letter I received regarding the closing of my account. In the letter it says that it is going to be 15 business days before the funds are returned to me. Its been well after 15 days and so I called them and now they said it is going to be the end of XX/XX/XXXX! This is nuts!!!
There was XXXX dollars in my account when they closed it. This bank is a fraud!
|
| 09/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Following information has been submitted XXXX : Contributor : SUNTRUST BANKContribute Reference # XXXXAccount # XXXX Date XX/XX/XXXXContribution Reason : Transaction ( or attempting to transact ) with an account in an unauthorized or prohibited manner.
I have never attempted to transact with an account in an unauthorized or prohibited manner. Such FALSE statement on file is prohibiting me from doing business from other banks.
|
| 05/02/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I was behind in my mortgage with SunTrust Bank so I filed for a modification on my mortgage, Instead of lowering my payments they have raised it considerably. If I am a day late they make me start over and charge me to do so. my payments use to be in the {$600.00} range and now its in the {$800.00} 's. I feel that they are taking advantage of people that are having a hard time making payments. I am struggling with this payment.
|
| 10/10/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I recently opened a Suntrust checking account with the " XXXX XXXX XXXX Debit Card '' that offers a sign up bonus " Earn XXXX bonus miles after your first PIN Point of Sale or signature-based purchase ''. I completed the requirement on XX/XX/XXXX with {$1.00} purchase at " POINT OF SALE DEBIT XXXX XXXX WA ''. I've reached out the Suntrust through messages multiple times and still have not received the XXXX sign up bonus miles.
|
| 09/16/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
My name is XXXX XXXX.I had a business account with SunTrust bank my account number was XXXX by the name of XXXX XXXX.without giving any reason suntrust closed my account when i called the bank they said you can't use our services and the funds will be sent to you within 15 days via check.now its been more than 3 months i called the bank more than 50 times they are not sending the money.every time they are saying its on hold.
|
| 09/29/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
XXXX XXXX has stated that I received refund/stipend checks in excess of $ 49K in addition to the cost of attendance, which also include refund checks in that amount. I do n't feel this is correct and I need assistance with obtaining all checks I cashed from XXXX XXXX during XXXX-XXXX.
I do not have an account with Suntrust. I cashed the checks from XXXX XXXX because this was the name on the refund checks they mailed to me.
|
| 03/30/2015 |
Yes |
|
- Settlement process and costs
|
|
Web |
|
|
The XXXX company have tried to enforce a fraudulent agree ... .I have paid over {$220000.00} on my loan of {$170000.00} ... .I kept my promise an did not Breach the Contract as was done by Suntrust and charge me a very higher interest rate. My hands in clean and will need more protection from these greedy lenders. " " '' HOW CAN THEY ENFORCE AN ILLEGAL CONTRACT TO STEAL OUR HOME? " " '' IS THIS A SCAM ON THE AMERICAN PEOPLE?
|
| 01/20/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
On XX/XX/XXXX I received an overdraft fee of XXXX , from Sun Trust despite denying overdraft coverage on XX/XX/2016. By denying overdraft coverage I wanted my card to stop processing transactions and be denied at the retail institution. This did not happen. I went into the Sun Trust bank located on XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX around XXXX and the Branch manager XXXX XXXX refused to reimburse me the overdraft fee.
|
| 02/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Bounced checks or returned payments
|
|
Web |
|
|
The card i own was stolen and account hacked. However when i went to see why there were such a large amount of money in my account the next day it were taken out and account was now overdrafted - {$1600.00}. Contacted SunTrust customer care and was informed there was nothing they were to be able to do about it. I was aware if having $ XXXX in my account which was what i was spending day by day. However this took that away.
|
| 03/06/2017 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
Servicemember |
|
SunTrust responded to Complaint XXXX and a representative committed personally to stop opening new bank cards without my consent. However, they 've once again started sending repeated cards that were not requested by me. This action is unethical and irresponsible. I would like to request in the strongest possible terms that SunTrust immediately cease opening new accounts or sending unsolicited new bank cards to my address.
|
| 05/26/2016 |
Yes |
|
|
|
Web |
|
|
I opened a credit card with Suntrust Bank. We agreed on a {$2900.00} transfer to my old credit card to clear that balance. However, they made the transfer twice. They did agree to credit me the second {$87.00} transfer fee but will not credit my account for the extra {$2900.00}. They said they ca n't retrieve it so I am responsible for the balance. They suggest I track down and try and retrieve this money and pay the bill.
|
| 10/15/2016 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Application, originator, mortgage broker
|
|
Web |
|
|
I have a first mortgage and HELOC with Suntrust Bank. I am refinancing the first with XXXX XXXX and Suntrust seems unwilling to send me a copy of my HELOC note. I suspect they are trying to sabotage the refinance with XXXX XXXX. The HELOC account number is # XXXX. Suntrust seems to have outsourced the entire back office operation to XXXX. I have exchanged 7 emails with them. They refuse to send me a copy of my HELOC note.
|
| 06/25/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
I told the customer service rep, not to let any charges to go through from XXXX XXXX XXXX ( {$500.00} ) last week. Also I told the rep if I didnt have funds in my account do not let any charges go through my account. Suntrusts and the customer rep continued to ignore me and charge unlawful fees. I have canceled this debit card and Im going to start a lawsuit if they are not going to put the money back in my bank account.
|
| 09/29/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I have been contacting Suntrust Mortgage to cancellation my PMI insurance. My mortgage balance is approximately 72 % of my original purchase property value. Everything I read states that Suntrust should have terminated my PMI automatically when the value reached 78 %. Suntrust own documents sent to me say that termination will happen at 78 % of the original property value. My calls and e-mails have not worked. Thank you.
|
| 07/08/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Funds not handled or disbursed as instructed
|
|
Web |
|
|
XXXX issued a two party check to my ( estranged ) XXXX AND myself. He endorsed the check, and Suntrust deposited it into his personal account, without my signature, or identification. I've talked to Suntrust twice, and am getting the run around and what it comes down to, is them telling me I can go small claims court. I'd like the bank held accountable for not following regulations, and would like the funds put on hold.
|
| 12/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
My bank charged me an overdraft fee and a extended overdraft fee. My account was overdrawn for 5 days and I received a XXXX $ fee. This is not my first time having trouble with suntrust bank. My check is only XXXX and they are taking XXXX for 5 days. This extended overdraft fee is anew policy that I am unaware of. this bank is a rip off and will take money any chance it gets. please help me get my money back! Suntrust
|
| 09/21/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
I was alerted by SunTrust Mortgage - during the time the ex-wife was applying for a mortgage modification that their was what appeared to be forged signature.
Apparently a fraud investigation was opened up - but I did not hear a word about it. When going back to the VP of security - I'm now being told that I need too call back and " re-open '' this.
It feels as through SunTrust does not take fraud very seriously.
|
| 10/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Yet again, on XXXX XX/XX/2019, Suntrust has arranged charges in such a manner that they managed to drop my account below XXXX. I have brought this grift to light many times and yet Suntrust continues to act in bad faith and steals my hard earned money. Suntrust deliberately adds and subtracts charges until they can pile enough at once to drop a balance below XXXX. It is calculated and it is fraud, plain and simple.
|
| 06/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I moved from Florida to XXXX Georgia on XX/XX/XXXX. That was the closing date on the property. I had funds leftover from the closing and use that money to fund my SunTrust account. Today XX/XX/XXXX I am being advised that the account is closed but I do not have access to the over {$2000.00} that I have in the account. I don't know anyone here. I can't borrow any money this is all the money I have and I need it now.
|
| 04/26/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Banking errors
|
|
Web |
|
|
CD Issued XX/XX/XXXX for 1.35 % annually. CD for XXXX. XXXX percent time XXXX is XXXX interest. The CD matured at XXXX. Short XXXX. I called them XX/XX/XXXX and they have not returned a response. I called today, and got no where. CD is with SunTrust Bank, XXXX. XXXX XXXX XXXX, TN, XXXX. If they short every consumer then they make a lot of extra money.
I do not have a scanner to I can not upload the documentation.
|
| 11/13/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Hello!
We opened a new checking, savings and money market account last week. We deposited a large sum of money. We have since been told we have no access to our funds and our accounts have been frozen. The banker XXXX said he made some sort of error and thus the result is we don't have access to our money. We are livid. We have bills coming due and our mortgage and we need our funds immediately. Please advise.
|
| 11/17/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
XXXX has been non-compliant with removing the unverified account SUNTRUST XXXX which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that SUNTRUST was not established by myself but XXXX keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
|
| 06/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I requested that my checking and savings accounts at a previous bank ( Suntrust ) be closed. At the time of the request, they were both in good standing with XXXX balance.
My savings account was closed, but my checking account was not. Additional charges were posted to the account a week after the account should have been closed. Because of this, the account is now delinquent, and I can not close the account.
|
| 03/06/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem using a debit or ATM card
|
|
Web |
|
|
I had a debit card transaction on XX/XX/XXXX that posted on XX/XX/XXXX that I am disputing for {$290.00}. This was for a service I never received, but SunTrust is not issuing a provisional credit after 10 business days. I have contacted SunTrust twice about this. First time they said after 10 business days they would issue a provisional credit. Today they are stating that they do not issue provisional credits.
|
| 06/28/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
Sun Trust called me at XXXX for the purpose of collecting on a mortgage debt. It is very disruptive and extremely inconsiderate to be called that early in the morning. Further, this is a new mortgage transfer that gives me 60 days to make the payment and I have another 32 days to make the payment yet I have been repeatedly contacted. I have attached a picture of the phone called received by Sun Trust at XXXX.
|
| 09/22/2016 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
XXXX unauthorized took {$210.00} out of my bank account on XX/XX/XXXX16 and they were not suppose to take it out as they promised me they would n't until XX/XX/XXXX16.This caused my bank account to be overdrawn and a overdrawn fee was charged for $ XXXX.I was going to file charges with my bank against XXXX but XXXX promised they would pay the {$36.00} overdrawn fee so I did n't persue it further with my bank.
|
| 10/27/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
I wrote a detailed letters, 2 of which are attached that discuss : Apply for mortgage assistance Changing dates to reply to a final package submitted False and erroneous data on a lien search Mis-stating what was in the mortgage application.
Not sending me full items on a decision timely Multiple mixed, confusing, and misleading messages on the status of the loan modification from multiple different persons
|
| 07/07/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Having problems with customer service
|
|
Web |
|
|
After numerous attempts, Suntrust and its assigns, XXXX, XXXX, continue to report a charge off on a student loan that was refunded in FULL. I have obtained supporting documents from the university that express without doubt that Suntrust is erroneously reporting a charge off to the credit bureaus, XXXX, XXXX & XXXX. I am requesting that any and all reference to this account be removed. Please see attachment.
|
| 07/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
Servicemember |
|
I had attempted to modify my Suntrust accounts in 2013 at that time I had never missed a payment, they would not look at a modification unless I was late, they suggested to miss a payment and then file the modification application and they would not report my credit file as a missed payment. I did as they said and now all these years later I see a missed payment mark on my credit file and want it corrected.
|
| 11/16/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
Servicemember |
|
Found a classic car online and the owner said to use XXXX to handle the shipment and hold the funds until i inspected it. It was all a scam. The owner was XXXXXXXXXXXX who said he was working with XXXX, XXXXXXXXXXXX They told me the XXXX wire transfer ( {$11000.00} ) was refused. They then closed their XXXX website and never answered emails, IM 's or phone calls. XXXX XXXX also never responded to my emails.
|
| 12/14/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
I am very disappointed with SUN-TRUST. Im appealing a rejected dispute on my checking account. SUNTRUST conclusion is wrong. I did send them documentation ( which is basically the same asked when entering the claim online ) following all of my disputes every-time they requested it via e-mail. I did everything theyve asked of me. I contacted the Merchant in good faith but they failed to reverse the charges.
|
| 08/31/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Getting a credit card
- Delay in processing application
|
|
Web |
|
|
I am not a green card holder, but I am legally working in the US with a TN working Visa. The applicaiton process was going as normal, but then they said they can not give Credit cards with no green card, I explained I do not have a green card, but I am in the U.S WORKING WITH A WORKING VISA. Have being with that visa for 5 years, is absolutely legal. The do not even wanted to give me a SECURE credit card.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.
|
| 01/08/2020 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Suntrust closed my account with XXXX XXXX still in it, since XX/XX/XXXX. I was never told why they were holding XXXX XXXX dollars of my funds but was told I had nothing to worry about I would get it back, then they sent me a notice like I closed the account myself. They gave me a case manager and told me not to come to the local bank again. Its now XX/XX/XXXX and still nothing while I run completely out.
|
| 10/28/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
Having problems with suntrust bank. Made a deposit including a check and {$500.00} in cash, have the deposit receipt. The amount was credited to the account next day. Week later theyWithdrew the {$500.00} and Said i never made the {$500.00} cash deposit. Requested to see the XXXXThe bank told me it is only for their own use. I think they are trying to cover up their mistake. How do i get my money back?
|
| 06/03/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Please accept this as a Qualified Written Request for an unredacted copy of ; the XX/XX/XXXX, " Notice of the foreclosure hearing on XXXX XXXX XXXX, XXXX XXXX, to be held on XX/XX/XXXX. '' " The notice named the current holder of the deed of trust dated XX/XX/XXXX, and the indebtedness secured thereby, to be SunTrust Bank which had accelerated the maturity of the debt ''.
Thank you - XXXX XXXX XXXX
|
| 11/11/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have an account with Suntrust bank and on XXXX XXXX, 2015, they charged me and overdraft fee on an item that was able to clear my account. The overdraft fee charged was {$38.00} on the same day of the XXXX XXXX, 2015 and my account was still positive {$32.00} and after the fee they charged me cleared I was still positive in my account with {$17.00}. This bank charges overdraft fees before 24 hours.
|
| 12/02/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem when making payments
- Problem during payment process
|
|
Web |
|
|
Payments have been made on the card every month but the payments are not being posted. I have had this issue before. I went to use my card the purchase didnt go through and it hasnt been maxed out. Someone has also had a bizarre obsession with all of my personal information causing me to file for identity theft. This needs to be fixed and payments need to be posted ASAP!!!! the card has a XXXX limit
|
| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
7 hard inquiries on my credit report These have caused me to be declined for other opportunities XX/XX/XXXX - Suntrust Bank dba XXXX - inquire without permission - unknown XXXX XXXX/XXXX/XXXX - inquire without permission XXXX XXXXXX/XX/XXXX & XX/XX/XXXX ran twice instead of once XXXX & XX/XX/XXXX XXXX XXXX XXXX- 3 hard inquiries ( 2 are almost 2 years old ) XX/XX/XXXX XXXX XXXXr XX/XX/XXXX XXXX XXXX
|
| 02/25/2017 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I bank with Suntrust and this keeps happening. they will take the biggest amount from my account first then charge me XXXX per item that came in before the big amount. I have asked them if this is how banking regulations and its not but that is how they operate. So far they have taking XXXX for pretty much overdraft charges I want my money bank, they are also charging for extended overdraft charges.
|
| 09/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX PROVIDED PRIVET INFORMATION TO A THIRD PARTY WITH DOCUMENTS UNSECURED. THE DOCUMENTS ALSO ARE INACCURATE AND LAW FIRM OF XXXX & XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, AZ XXXX IS TRYING TO COLLECT A DEBT THAT A LENDER IS COLLECTING UPON AT THE SAME TIME. PRIVACY INFRMATION WAS MADE PUBLIC WITH NO COURT RULING AND TRYING TO OBTAIN INACCURATE DEBT.
|
| 03/09/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Managing an account
- Banking errors
|
|
Web |
|
|
I filed a claim for a fraudulent check that was written for {$1900.00} out of our savings account on XX/XX/19. I called once a week for four weeks without resolve. They gave me time frames of 7-10 days, then 15, then 21. Its now been over 4 weeks and all they will tell me is that they are investigating. I was told that they would call me at XXXX XXXX today. It is now XXXX XXXX and still no call.
|
| 11/10/2018 |
Yes |
- Student loan
- Federal student loan servicing
|
- Struggling to repay your loan
- Can't get other flexible options for repaying your loan
|
|
Web |
|
|
In XX/XX/XXXX I signed a loan for a XXXX program in XX/XX/XXXX I was charged partially for a RN program. I signed and went to the school when it was XXXX XXXX XXXX. I was only able to retain the one loan sheet, for the fact I never agreed for a RN program. The loan was sold for XXXX. The amount has remained at XXXX since XX/XX/XXXX. There also appear to be duplicate charges for the XXXX program.
|
| 12/19/2019 |
Yes |
- Debt collection
- Auto debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
As of XX/XX/XXXX SunTrust has continued to report incorrect deficiency amount and account history on a loan originating in XX/XX/XXXX for 72 months.
The date of first delinquency is XX/XX/XXXX This account has timed out and should no longer be reporting.
SunTrust has continued to update and change date of last activity after being disputed directly and through the credit reporting agencies.
|
| 10/14/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have on-line banking with Suntrust in Florida but am currently living in the XXXX. I need to wire transfer a large sum of money for my living expenses to my XXXX bank account but Suntrust are refusing to allow me to do so. They say I need a wire transfer PIN number and the only way to get one is by visiting my branch in Florida. I am financially unable to comply with this unreasonable demand.
|
| 07/20/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
There is delayed that is being reported on my credit report appears to be inaccurate and or misleading. Please make sure to supply proof that this claimed account was in fact overdue and you have the important guidelines to be able to adequately learn more about your allegations. I highly recommend you present this information or simply remove the negativity of this kind of account right away.
|
| 04/17/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Ok the problem is SunTrust bank, in my work they pay me on Friday I deposit the check at same Friday and the bank puts the check on hold for over a week.
I call my boss and he chow me his bank online and SunTrust take the money next day after depositing .I call sun trust customer service meni times and they don't know what is happening w my money Thanks I hope you can help me to find a answer
|
| 05/26/2015 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
Signed an agreement to sell 10 weeks of our timeshare through a realtor and a title company in XXXX, CO. The buyer was in XXXX. We were told we needed to be registered in XXXX in order to conduct business there. I wired {$2400.00} to a bank in XXXX. I just learned that the whole thing is a scam. Both of the companies in XXXX use fake addresses, etc. Any way to recoup the {$2400.00}? Thank you.
|
| 03/19/2018 |
Yes |
- Payday loan, title loan, or personal loan
- Personal line of credit
|
|
|
Web |
|
|
Suntrust issued two lines of credit using my identity in the amount of {>= $1,000,000} and {>= $1,000,000} Forgery by XXXX XXXX XXXX The first line of credit of {>= $1,000,000} was issued by XXXX, XXXX, and XXXX XXXX from XXXX XXXX on XX/XX/XXXX The second line of credit of {>= $1,000,000} was issued by XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX on XX/XX/XXXX from XXXX of my son XXXX XXXX XXXX
|
| 09/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
My husband had an account with Sun Trust I cosigned on. We never had XXXX dollars in the account at any point however they have filed something with the court saying I owe them XXXX dollars. First problem never had that much money in the account to withdraw second how did an account he was primary on become solely my account and they put it on my report and have a judgement filed against me.
|
| 09/10/2017 |
Yes |
- Mortgage
- Home equity loan or line of credit (HELOC)
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
Older American, Servicemember |
|
Suntrust has denied me my home equity line of credit. I have been on time with my Mortgage since XXXX with no late payments. My annual income is XXXX. I do n't know why they wo n't let me have my home equity line of credit. I am XXXX XXXX XXXX, which i 'm around the right age to get my home equity line of credit and to have my house paid off to where I can have more of my income each month.
|
| 11/19/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
Servicemember |
|
SunTrust fraud case # XXXX My card number was stolen and the perpetrator used my card on three separate occasions in California . I filed claims on each transaction and the first two were honored. Although our son has used XXXX, he did not on the day of this charge. However, SunTrust denied the claim.
I do not understand the rationale behind the decision when it is obvious this is fraud.
|
| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/XXXX XXXX XXXX XXXX, Suntrust XXXX XXXX and XXXX XXXX XXXX XXXX banks sent an inquiry for a loan and I already purchased one on XX/XX/XXXX. I dont know why these banks would ask for my credit report a week after I already bought a car from XXXX XXXX in XXXX XXXX GA. I did not authorize this to be on my credit report and I want to know why they are on my credit report a week later.
|
| 09/27/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
When I declined the overdraft coverage for my account I never got a letter in the mail or any other notification to let me know that opting out of the overdraft coverage did not protect me from overdraft fees on reoccurring purchases. The bank, SunTrust bank, will not take responsibility for not notifying their customer and has decided to charge me for the fees that I opted out of anyway.
|
| 03/12/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Suntrust is repeatedly dropping incoming XXXX transfers in a concerted effort to charge overdraft fees. This morning I woke up to an account that was some {$300.00} in the red because Suntrust deleted the incoming transfer. I am attaching images of the payment sent via XXXX and the evidence that Suntrust has not credited it to my account- in other words they have stolen my money, again.
|
| 06/18/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I normally have direct deposit. This week I deposited a hard check on FRIDAY XXXX/XXXX/16 at XXXX EST to a Suntrust ATM and it is a government issued payroll check. The check still has not been credited to my account. It is not placed on hold, it is simply NOT THERE! The payments that came out of my account have now put my account in an overdraft status leaving me with NO liquid assets.
|
| 09/08/2015 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
I received a call from Suntrust about fraudulent activity on my account and they asked me about the purchase attempts and did I approve them after I told them the purchases that I made they removed the hold off of my debit card. A few hours later I see charges from merchants, the same charges that were trying to be processed on my account. I called and disputed and they denied my claim.
|
| 01/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Me and my twin brother ssn are almost alike, but off by one number, I finance my car threw XXXX XXXX monthly for XXXX since XXXX XXXX, 2017. I went to trade in my car viewing my credit report from the dealership what accounts appeared on my credit report was by the name of Suntrust and XXXX XXXX. I didnt not open the accounts my twin brother is affiliated with them. It is affecting me.
|
| 06/02/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My checking account with Suntrust was closed due to overdrawn balance. Prior to this, I requested copies of statements for months of XXXX and XXXX through a rep via live chat. I received XXXX statement today,XX/XX/XXXX, but not for XXXX. I need this statement sent to me ASAP. Since the account is now closed, I no longer have online access to it and am unable to view/print statements.
|
| 07/05/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
- Other transaction problem
|
|
Web |
Older American |
|
Last week the SunTrust Bank branch at XXXX XXXX XXXX XXXX XXXX XXXX refused to give me change for a {$50.00} banknote because I do not have an account with them.
As banks are licensed as a public service I think they should be required to make change ( at no cost ) for everyone.
Perhaps the District needs a regulation regarding this matter.
Thanks.
Best Regards, XXXX XXXX.
|
| 09/15/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
Older American, Servicemember |
|
Sun Trust closed my business account ( XXXX XXXX XXXX XXXX XXXX ) due to fraud. Never told me what the fraud was. There was no fraud and they have not given me my money back. I am a small business and am having a hard time staying in business. They owe me approx {$4700.00} and its been over a month. I want my money & Compensation for my loss of Income. A/c # XXXX.
XXXX XXXX, XXXX
|
| 07/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
Sought medical service from XXXX XXXX, whose doctor prescribed medical prescription.The product was defective, XXXX XXXX was advised not to submit any further debits to my account and Suntrust was advised to block any such payments from XXXX XXXX. However, Suntrust allowed XXXX ( XXXX ) payments of {$160.00} to go thru contrary to my instructions to them. XXXX, XXXX and XXXX, 2014
|
| 07/25/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I have a credit card with Suntrust, Account number XXXX. Three payments was pulled from my account on a Suntrust credit card for the XX/XX/2018 payment. They are refusing to return the funds to me. The funds were removed from my account of the XX/XX/XXXX, today is the XX/XX/2018, there is no reason for there to be delay and/or any doubt about whether they have received the funds.
|
| 09/22/2016 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
On XXXX XXXX XXXX, I obtained a Loan Modification with Suntrust Mortgage that fixes my interest rate in 2.75 % for the whole term of my mortgage. As part of the agreement, my monthly payments from XXXX XXXX until XXXX XXXX were in the amount of {$1000.00} plus escrows ; however, recently I received new Statements from SunTrust Mortgage for XXXX month showing a payment increase of
|
| 09/22/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Suntrust bank has intense and unrealistic sales goals and tactics. They go as far as calling people ( telemarketing ) but try to describe it as " customer opportunities. '' They are one of many banks with awful sales tactics and how they push them on their employees. They are also one of the banks opening false accounts and credit cards for their consumers without their knowledge
|
| 05/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Due to some transactions that were double billed by a company XXXX, Suntrust hit me with over XXXX overdraft fees in a less than 2 week period. I 'm happy to eat the costs of some of these transactions, even though they are not my fault, but would like suntrust to be reasonable in that this amount is excessive and the transactions should not have been approved in the first place
|
| 10/24/2015 |
Yes |
|
- Communication tactics
- Threatened to take legal action
|
|
Web |
|
|
I live on the west coast. SunTrust bank repeatedly calls me ( multiple times per day ) before XXXX. This morning they 've called me twice. Once at XXXX and once at XXXX. Surely thy ca n't wake me up like this. I have to work. I 've told them for years to stop. They said it 's automated and there 's nothing they can do. How is that legal? They 've harassed me this way for years.
|
| 01/21/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
I was in school for over six years, XXXX of my loans was sold to various lenders. I was never made aware of this and now 6 years later, it is the only negative thing sitting on my credit report, and almost double the original amount. The contacted the collection agency about payments or settlement and they want far above what I can afford, and almost 2 years worth of payments.
|
| 02/27/2017 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Suntrust Mortage is not giving me my interest tax statement for XX/XX/XXXX. I have requested why it was not sent by XX/XX/XXXX, and I was told they did not " process it. '' They are trying to force me to change a permanent loan modification granted in XX/XX/XXXX. I told them they can not keep my mortgage interest hostage to try to make me change a permanent loan modification.
|
| 06/07/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Please accept this as a Qualified Written Request for a copy of ; ... '' the note from SunTrust Mortgage to SunTrust Bank executed by SunTrust Mortgage officer XXXX XXXX. This specific note is referenced in the XX/XX/XXXX assignment and under section XXIX ( page 7 & 8 ) of Judge XXXX XXXX order signed on the XXXX day of XX/XX/XXXX.
Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
|
| 02/28/2017 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Trying to get a payoff balance to sell my house. It has been over a month. They have wrongfully put my account in collections. My account has never been past due. I am scheduled to close on or before XX/XX/2017. What should have taken one phone call to get a simple payoff balance, is now approaching two months, and is still unresolved. Please help!!! Thank you for your time.
|
| 06/29/2015 |
Yes |
- Mortgage
- Home equity loan or line of credit
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In XXXX XXXX, 2007 I filed bankruptcy and included XXXX mortgages with Sun Trust. But Sun Trust continues saying i 'm over XXXX days late on this mortgage for almost XXXX years. I am in the process of trying to get a new mortgage now and can not until this clears up. I have written them and spoken to them about removing this from my credit. they are illegally reporting this.
|
| 09/23/2019 |
Yes |
- Vehicle loan or lease
- Loan
|
- Problems at the end of the loan or lease
- Problem with paying off the loan
|
|
Web |
|
|
I sent in a cashiers check over a week ago and it's been confirmed received and they still havent updates my account and still charging me daily interest. This is causing financial harm and totally illegal. I need them to credit my cashiers check to reflect payment in full and manually updated the 3 credit reporting agencies to show the account is XXXX balance and paid off.
|
| 08/25/2015 |
Yes |
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I renewed my loan with Suntrust about 2 years ago and up till now, i did not receive the loan documents and i had to email the department to find out about my monthly payment.
Just yesterday, i received a letter from suntrust calling my loan due and all efforts to call the contact person mentioned in the latter has not been fruitful.
I believe this is an unfair treatment.
|
| 10/30/2015 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Suntrust bank has decided to terminate my account. That is fine with me as I wanted to close the account anyways. However, the bank has indicated to me that they are holding the funds for some amount of time. I want to close the account, they want my account closed, I do n't see why they need to hold my funds. Please send me a check with the remaining funds in the account.
|
| 11/22/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Creditor is reporting accounts that are invalid and unverified. XXXX have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.
|
| 06/29/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
On XX/XX/XXXX I signed up with a SunTrust checking account offering XXXX dollars if you deposited XXXX in the first 60 days, Do Direct Deposit, 10 purchases with your check card. I met all those requirements and was later denied, due to a family member in the same household having an account with them. Nowhere in the terms and conditions do I see anything about that.
|
| 07/22/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
Older American |
|
when I went to get my pay off om my mortgage it was listed as XXXX principal and they told me even if I pay it off I will still owe them XXXX dollars interest and it will make my pay off XXXX dollars why can a bank do that to a customer and other loan company 's can not? what part of out sick government lets them do such things to a hard working citizen of this country?
|
| 09/11/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
|
|
I applied to Suntrust Bank to open an account and i wrote a personal check for XXXX $ as initial deposit on XX/XX/XXXX2016. A few days later account was closed for no reason and up till today i am yet to get my money refunded. i have submitted evidence to suntrust and filed a complaint with XXXX where the check originated and i yet to get my money back since XXXX 2016.
|
| 10/24/2019 |
Yes |
- Debt collection
- Private student loan debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have attempted repeatly to contact a representative with this company requesting that they validate the alleged date they claim I owe bearing my signature over 30 days ago, they have failed to do so, my rights according to FCRA is gravely being violated. also this company is reporting this debt twice, duplicate accounts which is challenging for me to obtain credit.
|
| 06/17/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Please accept this Qualified Written Request for copies of any and all mailings sent via U.S.P.S. and or private overnight delivery provider ( s ) such as XXXX XXXX containing a delivery address of XXXX XXXX XXXX XXXX, XXXX, NC XXXX naming XXXX XXXX XXXX and XXXX XXXX, and or XXXX XXXX XXXX from XX/XX/XXXX through XX/XX/XXXX. Thank you - XXXX XXXX XXXX XXXX-XXXX-XXXX
|
| 09/20/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
hello I have a first and second adjustable rate mortgage serviced by suntrust mortgage, the note states change date is XXXX XXXX 2011, and the rate is to follow the 45 day libor and add a XXXX margin. how can I get suntrust to acknowledge they have been over charging and get them to refund they have been charging 5.5 percent and should have been charging 3.3 percent.
|
| 03/13/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
|
|
Web |
|
|
I was a victim of fraud, someone used my credit card in the state of Texas, while I worked in the state of Florida, I reported the fraud and the bank does not want to recognize me. the bank wants me to contact each store where my card was fraudulently used. When I have Fraud protection liability.
My case # XXXX Card number ending : XXXX XXXX XXXX XXXX ( XXXX ) XXXX
|
| 02/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Money was taken from your account on the wrong day or for the wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I went to XXXX XXXX checked my balance and charged XXXX cents with XXXX remaining in my available balance.
SunTrust charged me a XXXX overdraft fee when my account was in a positive balance. Then claimed it was for an item that posted 3 days later. I have attached screenshots to show that they illegally took funds from my account and charged me a fee
|
| 07/03/2018 |
Yes |
|
- Struggling to pay mortgage
|
|
Web |
|
|
After a long period of unemployment, I missed a couple mortgage payments. I'm trying to stop from getting any further behind, but Suntrust is not giving me any mechanism at all to make a payment, directing me to a phone line with nobody answering it. I'm trying to give them money and they are trying to make it difficult, presumably so they can try and take my house.
|
| 02/13/2017 |
Yes |
- Consumer Loan
- Installment loan
|
- Managing the loan or lease
|
|
Web |
|
|
We took out a loan with XXXX in XXXX for a term of 180 monthly payments of {$590.00}. SunTrust acquired the loan from XXXX in XXXX and has applied the payments in such a manner that even after making the number of payments we agreed to, they say we still owe approximately $ 8K more. I do n't understand why we would owe more if we paid according to the payment terms.
|
| 02/23/2017 |
Yes |
|
- Application, originator, mortgage broker
|
|
Web |
|
|
The fraudulent acts of deception must stop ... The company ( The CBE Group , Inc. ) Is now a party of the deception an have violated the law. I from on my credit report a false statement for {$150000.00} as a past due balance .... XXXX is liable for the {$250000.00} in damage s as of ( XXXX/XXXX/2016 ) and company listed for collusion of Criminal Conspiracy scheme.
|
| 08/23/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
Servicemember |
|
Between XXXX 2016 and XXXX 2016 Suntrust Bank has charged me more than {$500.00} in overdraft fees caused by their policy of reversing debits to increase the number of fees that they can charge. Some of the debits that they reversed on my account were days old before they reversed them. Some of these charges were less than {$10.00} and incurred charges of {$37.00}.
|
| 04/11/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
My wife and I received a letter dated XX/XX/2018, that all of our accounts, including my daughters savings account, were being closed. There was no reason given, and I attempted to find out why and was shut down. I have requested a copy of my report from XXXX XXXX, and as of now, have no idea why my accounts were shutdown. I have not overdrawn any of my accounts.
|
| 04/17/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
Servicemember |
|
I had an bank account with Suntrust bank for over 20 yrs. i went to use my debit card and it was declined i called bank to find out they closed my account and i would be receiving a letter in the mail. I had over 12k in my bank at the time of closure.After receiving the letter it stated i would receive my funds with in 30 days of the letter sent. Total fraud ...
|
| 11/21/2016 |
Yes |
- Bank account or service
- Checking account
|
- Making/receiving payments, sending money
|
|
Web |
Older American |
|
This is complaint against Sun Trust Bank. XXXX accounts were fraudulently drained of {$200000.00}. between XXXX XXXX and XXXX XXXX. Some of the money has been returned to the account in the form of provisional credit {$26000.00}. The remainder has not been returned. It has been four months and Sun Trust will not return calls from fraud investigator. Case # XXXX
|
| 10/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
Servicemember |
|
I had an suntrust opened up under my name about 3 year 's ago didn't know until i received checks an cards in the mail when i called to notifying them it wasn't me they told me the account was already closed an i was responsible for the amount owed I'm now on XXXX XXXX an unable to open account. Because it comes up as fraud I've been fighting this for sometime
|
| 08/01/2019 |
Yes |
- Checking or savings account
- CD (Certificate of Deposit)
|
- Managing an account
- Problem accessing account
|
|
Web |
|
|
My mother opened an automatic roll over certificate of deposit with XXXX XXXX in XXXX for $XXXX with a 5.21% interest rate, the bank was bought out by suntrust. Suntrust has record that the cd went dormant in XXXX but can not tell me what happened to the money because the account is so old the money was not sent to the state lost funds. I have the original cd
|
| 11/27/2018 |
Yes |
- Money transfer, virtual currency, or money service
- Domestic (US) money transfer
|
|
|
Web |
Servicemember |
|
Made a payment of {$500.00} through XXXX to an online sneaker store called XXXX XXXX XXXX around XX/XX/2018. Never received the product and found out it was a scam after several non responses via email and phone calls. After several attempts to get a refund from my bank, I received a letter stating that I made the payment and the bank wouldn't refund my money.
|
| 03/11/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
On XXXX XXXX I called my branch bank in, XXXX, NC XXXX, to make a stop payment on the business called XXXX and the amount of {$330.00}. I was charged {$36.00} for the stop payment and the the business still removed {$330.00}. Now I am being charged {$36.00} for over draft! I had to give the information three times and still she did n't stop the withdrawal.
.
|
| 06/08/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Opened an saving account at SunTrust bank, was not informed that my account would be converted over to a checking which cause me to have several overdraft fees, called them to complain but it was helping or they were not trying to help me resolve my issue, so now I'm left with a balance with them because they didn't send me a letter or help me with my issue
|
| 09/30/2016 |
Yes |
- Bank account or service
- Other bank product/service
|
- Account opening, closing, or management
|
|
Web |
|
|
Dear Sir/Madam, After changing my address at USPS, Suntrust Bank sent a notice that my mail address has changed. I have never had an account with Suntrust! After calling them, they said I have a loan account with 0 balance.
They created a fake account under my name for their purposes I am thinking like XXXX XXXX did.
Please have an inquiry on this matter
|
| 05/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
My home mortgage service was transferred to SunTrust Mortgage , Inc. from XXXX XXXX XXXX. The automatic payments were canceled as a result. The same day I received the notice of transfer, I signed up with SunTrust Morgage , Inc. for automatic payments. SunTrust Mortgage , Inc. will not process the automatic payment request, which is making the payment late.
|
| 06/17/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
My complaint is in reference to a complaint I submitted with CFPB in the past ( # XXXX ), my home was wrongfully foreclosed upon in 2010. Due to this situation, I have received XXXX settlement and have been recently notified to receive another settlement by the Georgia Department of Law.
I would like to have the foreclosures removed from my credit report.
|
| 06/04/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Please accept this Qualified Written Request for a copy of the Notice of Hearing for a specific file number identified by SunTrust 's law firm as " File No. XXXX ''. This " Notice of Hearing '' is distinct and separate from File No. XXXX found within Court file XXXX XXXX XXXX and XXXX within XXXX XXXX XXXX respectfully.
Thank you - XXXX XXXX XXXX XXXX
|
| 09/08/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Suntrust Mortgage claims my escrow account is too low due to an increase in both my property taxes, and home owners insurance. They are asking for more money each month.
I investigated their claims, and they are false. I believe Suntrust Mortgage is practicing fraudulent and unfair business relations. An Internet search revealed similar claims to mine.
|
| 01/14/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
A payoff amount was submitted to XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX according to the total amount on the statement. SunTrust Mortgage has refused the payment twice. Another check was sent on XX/XX/XXXX, which was an official check from my banking establishment. XXXX XXXX XXXX XXXX has n't responded to my request at this time. See attached documents.
|
| 04/10/2015 |
Yes |
- Bank account or service
- Checking account
|
- Using a debit or ATM card
|
|
Web |
|
|
Someone stole my money out of my checking account I did not authorize anyone to a control money from my account I filed a fraud claim immediately upon finding my funds work on SunTrust has denied my claim and now I have to file a rebuttal to have made me wait two weeks of no funds taken my sons XXXX check and my entire account plus fees over {$4000.00}
|
| 05/30/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
On XX/XX/2019 Suntrust Bank placed an hold on my business account for no reason and my {$7200.00} has been held until today. I tried to contact Suntrust several times but they keep telling me that my account is under review. This issue really affected my business, it has been 2 weeks now and I can't do any business transaction while my capital is held
|
| 01/04/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
They have been GOUGING me with EXCESSIVE OVERDRAFT fees from about XX/XX/XXXX- XX/XX/XXXX, but the most recent is on XX/XX/XXXX for {$36.00}. I check this account daily and I am noticing that it 's something not right. I 've spoken with someone several times and they 've all came up with different stories and reasons as to WHY I keep getting charged.
|
| 08/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
On XXXX I applied for an checking account and was told that I couldnt open up an account, because one of the credit bureau had a security freeze on my report. I called that credit bureau and was told by rep there is no freeze on the account. I have been having this problem and spent two days working on this and still showing up freeze on my account.
|
| 08/01/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
Servicemember |
|
I have a 7 year arm libor type home loan through suntrust mortgage, which defaulted to the market rate based upon the libor rate 4-5 years ago. It has seem to correlate until this year where my interest rate jumped 25 % and doesn't seem to correlate with the libor rates/change. I get no clarity in the matter when talking with my banking institution.
|
| 04/15/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I forwarded one of my tax bills to SunTrust Mortgage. They only paid aportion of the bill, and I was assessed fine/cost of {$280.00}. I contactedthem about this and they told me they would refund my account for thedifference because it was their error. After several months and severalmore phone calls I have still not received a credit to my account.
|
| 09/15/2015 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
Older American |
|
I disputed a claim by SunTrust Bank that I owe them in excess of {$100000.00} which they continue to report as owed and in collections. After the first contact, I sent them copies of documents showing that this loan resulted in a judgement that is now satisifed. In 2015, I also received a XXXX for this loan forgiveness. I do not owe them this debt.
|
| 01/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
On XX/XX/2019, I was provided an approval for a loan, which I had already received several offers and pre-qualified. I submitted the necessary documents that were requested. I was then notified that I was unable to receive the loan even though I was " pre-qualified ''. I then notified a hard inquiry on my credit that I do not recall consenting to.
|
| 12/05/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Called before 8am or after 9pm
|
|
Web |
Servicemember |
|
On XX/XX/2018 at XXXX, I received a call from suntrust mortgage company in regards to a bill due on the XXXX of the month. The last day to pay is on the XXXX ; in which I pay always pay on the XXXX of the month. Nevertheless, the call was unwarranted and not appreciated. I request to suntrust for them to stop but to no avail, it's still happening.
|
| 11/20/2018 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
|
- Other features, terms, or problems
- Other problem
|
|
Web |
|
|
I requested additional information from Suntrust Bank in reference to an account that is reporting on my credit file. The account number is ending in XXXX. I requested the full payment history and how fees and so forth were applied. They only sent me a letter that said the information was accurate. They sent no proof they only sent a form letter.
|
| 01/12/2018 |
Yes |
- Vehicle loan or lease
- Loan
|
- Struggling to pay your loan
- Denied request to lower payments
|
|
Web |
|
|
Contacted SunTrust talked to several reps and also customer service since XX/XX/XXXX. Was told I could n't lower payments or move a payment due to financial hardship even after being told I could by 4 other bank employees. Girl in collection was rude.
My loan payment is due on the XXXX of every month. I called and requested this way before hand.
|
| 05/25/2016 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
|
|
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report. I Paid this loan off in a timely manner I was never late. I should have never been given a predatory loan like this XXXX with 10.5 % interest. I took the loan and paid it off in full and NOW it is negative on my Credit!
|
| 08/22/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Cashing a check
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, SunTrust bank froze our account and refunded a check we wrote without notice and would not let us move money in any way out of the account without explanation. The check was legitimate and we tried calling the bank 3 times to verify but they still caused the check to be returned and NSF fees. We want our money out of our account.
|
| 05/15/2017 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
I w as sent 3 different c losure notices for accounts that were opened in my name. I have never been a customer of this bank. When I contacted the bank the said that the XXXX accounts looked like fraud. The accounts were opened with a XXXX balance, maintained a XXXX balance and then closed with a XXXX balance. All with in a months time.
|
| 08/16/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Settlement process and costs
|
|
Web |
|
|
I have recently found out my mortgage broker name was added to my loan as owner with me. How I found out is he declared bankruptcy and it was put up as parr of his assets. When I called lawyer who closed the loan he stated that he received a letter from said broker/ bank and told to add his name to loan. Please help me. XXXX XXXX XXXX XXXX XXXX
|
| 12/16/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Can't close your account
|
|
Web |
|
|
Three weeks ago I requested SunTrust Bank to close my checking account .they said it could not be closed then they proceeded to charge me {$3.00} and now claim they can't close it because I owe them {$3.00} they also threatened to charge more fees after XX/XX/XXXX .I have sent doesn't of emails and several phone calls they refused to cooperate
|
| 02/05/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
Company not sending written communication. Address verified and email address verified. Claimed several documents were emailed and mailed XXXX yet I have not received anything but a dispute form to fill out to my email address. Missing documents include XXXX debit card, XXXX pin numbers, XXXX documents regarding the dispute ruling and status.
|
| 03/14/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
I opened this account on XX/XX/2018 and i was promised that if I made a deposit of XXXX $ I would get a XXXX $ bonus. I fulfilled every term and condition listed ( I have never had an account with them before ect. ). I called them to ask why I had not received my bonus 3 times! Every time I was told we will look into it and nothing was done!
|
| 02/17/2019 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Problem accessing account
|
|
Web |
Older American |
|
SunTrust Bank has still not sent out 1099 forms. The legal deadline has passed. Same problem as last year : we waited and waited for the very late document before we could file our Federal/state income tax. Our accountant says that other SunTrust customers have had the same problem. When I talked to the bank they offered no reason or excuse.
|
| 04/27/2016 |
Yes |
- Money transfers
- Domestic (US) money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.
|
| 03/29/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Transaction was not authorized
|
|
Web |
|
|
My Suntrust Checking ccount was hacked on XX/XX/2019 and {$420.00} of my money stolen using a XXXX connected account.
I want to open a case with local law enforcment, but I need a statement of fraudulent charges from SunTrust.
They refuse to provide this list - Even though they have a case ( Fraud Claim # XXXX ) in progress.
Than you
|
| 03/26/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
Suntrust Bank had a promotion for new accounts. it was {$200.00} after depositing {$1500.00}. After I Contacted them they claimed that I did not provide a promotional code. That is not true. The promotional code was auto populated in the window. there was no way to add the code. The field was grey with the promotional code already entered.
|
| 09/30/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I previously disputed a student loan from XXXXSun Trust Bank with the credit bureaus that was unfamiliar to me and they have came back verified. I received a promissory note in the mail which I signed but it was never with XXXXSun Trust Bank. The promissory note that I signed agreeing to the loan is with XXXX not with XXXXSun Trust Bank.
|
| 02/26/2019 |
Yes |
|
|
|
Web |
|
|
On XX/XX/XXXX, I received a postcard saying I recently closed on a mortgage with Suntrust Bk. There was a mortgage number id that didn't match my mortgage number, which was paid off in XX/XX/XXXX, and there was no return address or identification of a company. I am attaching a copy of the post card with this complaint.
Thank you, XXXX
|
| 12/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Fee problem
|
|
Web |
|
|
Suntrust bank continues to assess overdraft charges while my account is still positive. Their explanation continues to be that my balance on online banking is not the correct balance, that I am not able to see the actual balance. This last time they charged me {$140.00} in fees before my account ever became negative, {$36.00} each time.
|
| 09/06/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Virtual currency
|
|
|
Web |
|
|
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, VA XXXX. Misappropriation of government funding and income tax fraud with the XXXX at XXXX XXXX located on XXXX XXXX XXXX, XXXX, VA XXXX. Construction materials audit fee of {$120000.00} to track materials used for the community. Insurance agent fee with XXXX XXXX in the amount of {$130000.00}.
|
| 08/20/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
OnXX/XX/2018IhadHardinquiresonmycreditthatIdidnotauthorizeandthecompaniescannotshoworprovewhereIgavethempermissiontorunmycreditIhavetalkedwithallcreditbureausandtheyallsaytheycannotandwillnothelpordoanything
Iamattachingalistofcompanysthathitmycreditsomeevenhittwicein1day
IamlookingfortheprovewhereIgavethempermissiontorunmycreditreport
|
| 11/29/2017 |
Yes |
- Money transfer, virtual currency, or money service
- Check cashing service
|
|
|
Web |
|
|
Suntrust bank charged me XXXX $ to cash a check that one of my customers had written to me.
It was drawn on Suntrust Bank, so I walked in to the bank and was told that they would take XXXX of my dollars to cash the check.
This is dishonest, they should not be allowed to take my XXXX $ to cash there check, it is thievery out and out.
|
| 10/17/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I originated a loan with Suntrust Mortgage XX/XX/2005. I have been paying my mortgage consistently since XX/XX/2005. However, of my payments are not being recorded effecting both my credit rating and interest rates. Although, I am able to provide receipts from Suntrust of paid payment, the payments are not reflecting on my statements.
|
| 02/21/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Suntrust bank has restricted access to funds we entrusted to them through our business account. Bank personnel have refused to issue and honor official checks, blocked wire transfers and all other forms of debit, despite sufficient funds being available in the account. The bank personnel have provided no explanation for this action
|
| 06/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
|
|
Web |
|
|
I have requested myself to be removed as authorized user from the account that the owner has passed away and requested the lender also adjust it to credit report in this case is XXXX by sending Suntrust written request As XXXX XXXX ( Vice President of advocacy management office )!
However Suntrust Never responded to my request!!!!
|
| 11/10/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
SunTrust Mortgage keeps using a robo call system to try and collect a debt for a person I do not know and they do not live at my address, I have called them, I have mailed a certified letter, copy of letter attached along with return receipt, and they are still calling with there robo system several times a day and will not stop.
|
| 07/09/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
BETWEEN XXXX AND SUNTRUST I AM NOT REALLY SURE WHO TO BLAME AT THIS POINT. I AM VICTIM OF AN IDENTITY THEFT, FOR MONTHS I HAVE BEEN SENDING DOCUMENTATION TO BOTH COMPANIES TO HAVE THE FRAUDULENT ACCOUNT FROM MY CREDIT REPORT. I DONT KNOW WHAT ELSE TO DO, WHO TO COMPLAIN. PLEASE HAVE THE FRAUDULENT ACCOUNT REMOVED, ITS NOT MINE.
|
| 09/13/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.
|
| 07/11/2017 |
Yes |
- Debt collection
- Auto debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
|
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX, XX/XX/XXXX @ XXXX I have instructed Suntrust to stop calling me about my loan. Verbally 3 times they have been told to stop calling me at work. I also instructed them on how my loan is to be paid. It is paid in half every 2 weeks automatically.
They continue to harass and need to stop.
|
| 06/30/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
Suntrust Bank employee XXXX XXXX violated my financial privacy when he provided my solely owned bank statements to a third party without consent of the owner or order of the court. The release of my information took place XXXX XXXX, 2013 in the XXXX District Circuit Court for XXXX XXXX County, XXXX XXXX, Maryland in Room XXXX.
|
| 04/28/2016 |
Yes |
- Student loan
- Non-federal student loan
|
- Dealing with my lender or servicer
- Don't agree with fees charged
|
|
Web |
|
|
My loan started out with XXXX ( federal loan ) and it is now with SunTrust ( private ). I got the loan to attend XXXX XXXX XXXX XXXX XXXX XXXX to get a XXXX. I have never been able to secured a job through this XXXX and at the time ( unbeknownst to me ) the college was not accredited and should not have been distributing XXXX.
|
| 08/28/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
SunTrust Mortgage is holding our insurance claim proceeds in the amount of {$95000.00} from Hurricane Irma. The mortgage company completed the final inspection of our home 's damages in XX/XX/2018. The insurance claim payment was received as a result of a settlement agreement after procuring the services of a public adjuster.
|
| 01/14/2016 |
Yes |
- Money transfers
- International money transfer
|
|
|
Web |
|
|
On XXXX XXXX 2015 Initiated {$850.00} Wire Transfer reference number XXXX Debit from my SunTrust Account to Recipient my Son 's Account at XXXX XXXX bank XXXX.
Money transfer pay through XXXX XXXX XXXX and then Recipient 's to XXXX XXXX bank XXXX.
Currently Bank XXXX XXXX Holding my money {$850.00}? do not know reason why?
|
| 12/23/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
I have been subjected to repeated abusive and harassing telephone calls with SunTrust Merchant services for an alleged debt. The debt has been disputed as the original charges were due to a " system error '' at SunTrust. Although SunTrust has acknowledged their own error, they continue to harass me with collection attempts.
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I received another inquiry on my credit report that was not authorized. I am a victim of identity theft. I have a police report number for a report filed with the XXXX Police Department which is : XXXX This inquiry was not authorized by me.
I have attached letters from other creditors showing their investigation results.
|
| 09/25/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Ihave notice that suntrust is paying all big items that come in first, no matter when it came in and the charging me XXXX dollars for all of the smaller items. which is causing me to overdraw my account a lot this past week. i had XXXX small charges the were made way before the large transaction and was charged XXXX times
|
| 08/21/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
Suntrust Bank has consistently reordered my transactions to charge me multiple NSF Fees. These small transactions were not showing as pending but as posted as early as 2 days before the charges were added. I had XXXX check outstanding and this was somehow placed before the other transactions so NSF fees could be charged.
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
|
I have things on my credit that have been handled through my bankruptcy which still shows up on my credit with all 3credit bureaus and also my bankruptcy still shows up even after knowing that the new law says it should not I have did so much to get things in order but the creditors nor collection not working with me
|
| 11/22/2016 |
Yes |
- Debt collection
- Credit card
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
XXXX XXXX XXXX HAS REPORTED TO MY CREDIT THAT I OWE {$760.00} FOR SOMETHING THAT I REPORTED AS FRAUDULENT TO SUNTRUST BANK OVER 3 YEARS AGO. I HAVE DISPUTED THIS MANY TIMES AND THEY HAVE NOT RESPONDED. THIS IS AFFECTING ME FROM HAVING A GOOD CREDIT SCORE, AND IS THE ONLY COLLECTON ACCOUNT SHOWING ON MY CREDIT HISTORY
|
| 06/06/2015 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
Older American |
|
I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.
|
| 01/02/2017 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
SunTrust breached confidentiality laws and handed XXXX pages of my personal records to my to ex-husband. I have an open case with Suntrust. I received a letter today from Suntrust basically saying since the accounts were linked he had access to my personal information even without his name being on all the accounts.
|
| 10/21/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Application, originator, mortgage broker
|
|
Web |
|
|
Suntrust sent me a letter dated XXXX/XXXX/2016 that it would request that invalid inquiries in XXXX 2016 be removed by XXXX.
I contacted XXXX and the rep says there is no record of any request from Suntrust.
Suntrust checked my credit 3 times in XXXX and XXXX time in XXXX for my mortgage application of XXXX 2016.
|
| 03/06/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Managing an account
- Deposits and withdrawals
|
|
Web |
|
|
Opened account around XX/XX/2019 Funded acoount via ACH in the amount of XXXX around XX/XX/2019 account was closed and online access restricted.
bank call center indicating my account has no balance and no record of opening deposit.
the canceled debit card number as i do not know the account number is XXXX
|
| 03/27/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
I have a bussines account at Suntrust Bank, as well a personal account wich is close by now, from my bussines account Suntrust bank took XXXX USD with out any autorization on my side. I need this money immediately and Suntrust is refusing to credited it back. I 'll apreciate your help.
Best regards, XXXX XXXX
|
| 10/03/2018 |
Yes |
|
- Trouble during payment process
|
|
Web |
|
|
Our escrow provider failed to renew our homeowners insurance with the current provider. They are now threatening to insure our property on our behalf at a rate four times Higher despite them failing to make the insurance payment.
Sun trust mortgage has not been able to resolve this for us despite many calls.
|
| 08/07/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Applying for a mortgage or refinancing an existing mortgage
|
|
Web |
|
|
Please provide me with a copy of that certain SunTrust Mortgage , Inc . Note dated XX/XX/2008 relating to property commonly known as XXXX XXXX XXXX XXXX XXXX, NC XXXX. Please accept this Qualified Written Request under the Real Estate Settlement and Procedures Act ( section 2605 ( e ) ). Thank you, XXXX XXXX
|
| 04/26/2019 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
I started to request requesting my PMI to be taken off my account. Each time i have to reach out to a generic email box. I have now been trying to work this out with them since XXXX and i have had to make 5 payments as a result. It literally takes 25-30 days for anyone to respond in between each response.
|
| 01/09/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
Servicemember |
|
My account had a restaurant charge on my debit card. However, I did not realize the restaurant did not put in the tip amount. So, this resulted in a $XXXX overdraft on my account which cost $XXXXI think to charge $XXXX is gouging, when they could have sent an email alert to clear up the $XXXX overage.
|
| 12/04/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am victim of Identity theft and SunTrust Bank is reporting information on my XXXX credit report that was opened with out my knowledge or permission. I have provided all the necessary documents for the removal of the wrong information being reported but the information is still on my XXXX credit report.
|
| 11/15/2017 |
Yes |
- Checking or savings account
- Other banking product or service
|
- Managing an account
- Banking errors
|
|
Web |
|
|
Hi - SunTrust offered a promotion of {$600.00} to open a bank and credit card.
After 6 months finally received {$200.00} although they have charged almost {$300.00} in fees. No bank XXXX for 7 months.
Rude and arrogant staff.
Called over 10 times.
They show no concern or compassion for this situation.
|
| 11/05/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Unable to open an account
|
|
Web |
|
|
Went into a SunTrust bank to open an account and I was told I could not open an account and could never open an account at the bank. The banker didn't give me a reason why, he was just very rude. I asked why he said he couldn't give me any information or give me a number to call to see what is going on.
|
| 01/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
My SSN was used without my knowledge and/or consent to illegally purchase a car. I notified the sales manager of the car lot, along with the bank.
Let them know my identity was compromised. Was advised someone would contact me, which did not happen. Now the bank is negatively impacting my credit score.
|
| 12/01/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I have a huge amount of NSF fee 's. This bank will show a balance one day and a different one the next. They have pending transactions and then the next day they post in a different order. They have taken my paycheck. I need these funds reimbursed to me. This is causing a huge financial strain for me.
|
| 08/02/2018 |
Yes |
- Mortgage
- Conventional home mortgage
|
- Trouble during payment process
|
|
Web |
|
|
Please provide me a copy of the most recent version of the document titled Loan Modification Agreement originally recorded on XX/XX/2010. Additionally, please confirm if this document has been endorsed, providing a copy of the endorsement, allonge and bailee letter ( s ).
Thank you, XXXX XXXX XXXX
|
| 06/04/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Funds not received from closed account
|
|
Web |
|
|
I deposited my workers compensation settlement check in my sun trust account and right after that they closed my account and that not return my funds to me is being over a month and all they say is they are investigating and I ask how long they told me is indefinitely and that's what happened to me
|
| 02/09/2017 |
Yes |
- Money transfers
- International money transfer
|
- Money was not available when promised
|
|
Web |
|
|
I made an international wire with my bank Suntrust to a beneficiary with a bank call XXXX and the funds have not arrived. The wire was sent on XX/XX/XXXX and as of XX/XX/XXXX the funds have not been credited. I have done various TRACES through the banking system but as of yet nothing has happened.
|
| 04/23/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
In processing and deniying an loan modification, the servicer, in a complete lack of transparency, committed muliple mortgage servicing violations as delineated in the attached PDF. They further stated an appeal was not submitted and it clearly was by and through my office on behalf of our client.
|
| 01/07/2016 |
Yes |
- Bank account or service
- Savings account
|
|
|
Web |
|
|
I opened several accounts with SunTrust Bank. When I returned back to the XXXX after several years to check on the accounts SunTrust Bank representative donot recognize any of the accounts ( one account was an IRA ).
I have checked such websites XXXX. These accounts were opened in the late XXXX.
|
| 12/29/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem caused by your funds being low
- Overdrafts and overdraft fees
|
|
Web |
|
|
I am suffering a hardship and dealing with raising my nephews whom were displaced as a result of Hurricane Michael this past XX/XX/XXXX. One has been sick and I was in the hospital recently as well. I got {$72.00} in fees for a {$17.00} shortage. Outrageous! I am asking for a refund of the fees.
|
| 11/06/2019 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Other transaction problem
|
|
Web |
Older American, Servicemember |
|
Why is the CFPB telling companies not to let me make International Wire Transfers?
Suntrust says that the CFPB advised Suntrust Bank not to process an International Wire Transfer to my girlfriend in XXXX. I want to know why the CFPB is refusing to allow me to make International Wire Transfers?
|
| 02/10/2019 |
Yes |
|
|
|
Web |
Servicemember |
|
Suntrust Mortgage/Suntrust Bank - I sold a home and paid in full in XX/XX/2018 and updated my forwarding address. To date I have not received formal closing paperwork nor tax documents. The system no longer allows me to access personal loan data on line and I am unable to reach anyone by phone.
|
| 05/01/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Opening an account
- Didn't receive terms that were advertised
|
|
Web |
|
|
There was a promotion where clients opening a signature advantage checking account before XX/XX/XXXX ( today ) would get a {$500.00} bonus using the promotion code XXXX. However, once trying it, the site said the promotion had expired, even though it was still running through the end of XXXX.
|
| 02/10/2020 |
Yes |
- Mortgage
- Conventional home mortgage
|
|
|
Web |
|
|
Instrument # XXXX Sold to XXXX XXXX XXXX see attached letter SunTrust Mortgage NOT the servicer, NOT the loan holder, NO NOTE.
Loan # XXXX After the sale and transfer of the mortgage and Note XX/XX/2006.
A Lien Release should have been filed by LAW, with the clerk of court 15 Years ago.
|
| 05/05/2015 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
I deposited XXXX into my suntrust checking account on Thursday XXXX. I never received any communication on when the funds would be available. Moreover, SUNTRUST violated Reg CC policy where I should have received atleast {$200.00} next business day and upto {$5000.00} by 2nd business day.
|
| 04/03/2015 |
Yes |
- Consumer Loan
- Vehicle loan
|
- Managing the loan or lease
|
|
Web |
Older American |
|
Since XXXX XXXX, XX/XX/2015, I have unsuccessfully attempted to have an electronic lien removed from a Florida electronic title. Sun Trust Bank has submitted written title releases, but refuses to remove the lien electronically. Due to its failure to do so, I can not obtain a paper title.
|
| 01/06/2016 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I 'm being charged an ISF penalty that does not make sense to me.
The bank says larger entries are prioritized when payments are pending regardless if those smaller entries come previous ( 3 days ), even if those previous pending entries were being covered with sufficient funds. How so?
|
| 06/14/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XXXX and SUNTRUST have repeatedly removed the SUNTRUST BANK CARD MEMBER S account from " Included in Chapter XXXX Bankruptcy '' status to negatives statuses and now they are reporting it as an " OPEN ACCOUNT '' and both agencies continue to re-age the " Date Reported : XX/XX/2017 ''.
|
| 02/07/2017 |
Yes |
|
- Loan modification,collection,foreclosure
|
|
Web |
|
|
I have multiple letters from SunTrust that are deceitful, misrepresenting my submissions to them, misleading as to the mortgage modification process, and a violation of FDCPA collection laws and the XXXX. I have detailed the letters and actions in the accompanying letter as attached.
|
| 09/09/2019 |
Yes |
- Checking or savings account
- Checking account
|
- Closing an account
- Company closed your account
|
|
Web |
|
|
Suntrust close my account after I told them not too. And on top of that I still have not received my new check card.. Im XXXX and this bank should be fined. As a customer I reserve the right to say not to shut down my card I was going to call back. But of course they did it anyway..
|
| 11/14/2016 |
Yes |
|
- Charged bank acct wrong day or amt
|
|
Web |
|
|
I was told by the active hours app, which is a payday loan app to submit a complaint here. I was charge by my bank on the wrong day to get a overdraft fee. They told my bank to charge me on Monday, since Friday is a bank holiday, but instead charge me on Friday. My bank is SunTrust.
|
| 01/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
1. Hard inquiry from XXXX XXXX on XX/XX/XXXX, that I did n't know about.
2. Hard inquiry from XXXX/over onXX/XX/XXXX, that I did n't know about.
3. Hard inquiry from XXXX on XX/XX/XXXX, that I did n't know about.
5. Hard inquiry from XXXX on XX/XX/XXXX that I did n't know about.
|
| 01/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I have asked for my number to be taken out, and to be removed after I explained to the debater I had set up to call back at a later date was told this is not how this works, told him to just take me off do not contact me, received another call a week later with another rude person.
|
| 08/08/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
Older American |
|
An unknown person cashed what appeared to be a counter check for {$6000.00} on my bank account with Suntrust in XXXX Florida on XXXX XXXX, 2016. I submitted a fraud claim on XXXX XXXX, and it has not been resolved as of yet when they told me it would be a 14 day period to resolve.
|
| 08/13/2016 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.
|
| 11/20/2015 |
Yes |
- Mortgage
- Conventional adjustable mortgage (ARM)
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
Mortgage Payment was taken from the checking account account, but not applied to the Mortgage account. Further, credit rating agencies were informed that my account was delinquent, which resulted in credit being adversely affected. Thereafter business loans could not be obtained.
|
| 11/14/2016 |
Yes |
- Bank account or service
- Checking account
|
|
|
Web |
|
|
My bank ( Suntrust Bank ) is not upholding my fraud claim against a company called progressive for {$130.00} that was charged 5 times. Neither my wife or I have authorized any charges from them and we are furious this fraud claim has not been upheld. The charges total {$670.00}.
|
| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Both creditor sun trust bank and agency credit report XXXX are not willing to take out the bad report from The account that is not mine! i was just authorized user for sometime for work related and I understand account has been charge off cause the account owner has passed away
|
| 02/18/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
I contacted XXXX XXXX XXXX on : XX/XX/XXXX about a unauthorized inquiry on my report dated for XX/XX/XXXX ... I was informed after providing my name that XXXX XXXX XXXX was unable to provide information about the inquiry or any form of application for credit to prove consent.
|
| 10/05/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
|
- Loan servicing, payments, escrow account
|
|
Web |
|
|
I make multiple payments towards my monthly mortgage balance. The payments are not applied to my mortgage at the time of payment but are held in a ledger account until the entire minimum is received. I believe this practice is wrong and does n't benefit me the mortgage holder.
|
| 02/16/2018 |
Yes |
- Money transfer, virtual currency, or money service
- International money transfer
|
- Money was not available when promised
|
|
Web |
Older American |
|
XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $ XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.
|
| 08/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Someone tried to open new credit cards and lines of credit in my name and were denied. This caused inquiries to be added to my credit report causing my credit score to go down. XXXX XXXX- Hard Inquiry XXXX XXXXl- Hard Inquiry Suntrust- Hard Inquiry Suntrust XXXX- Hard Inquiry
|
| 09/02/2016 |
Yes |
- Bank account or service
- Checking account
|
- Account opening, closing, or management
|
|
Web |
|
|
The fees associated with banking at SunTrust are exorbitant. The company is basically committing questionable legal robbery of their account holders. XXXX fee for each item from an overdrawn account and no reasonable amount of time to correct the mistake before being charged.
|
| 05/14/2015 |
Yes |
- Bank account or service
- Checking account
|
- Problems caused by my funds being low
|
|
Web |
|
|
I set up Bill Pay with SunTrust Bank. On XXXX I tried canceling the bill pay before XXXX. It would not let me cancel. As a result my account over drafted and I was changed multiple overdrafts. Right now the fees total around XXXX. I am requesting a refund of part of the fees.
|
| 11/15/2016 |
Yes |
|
- Identity theft / Fraud / Embezzlement
|
|
Web |
|
|
A credit card was opened in my name with Suntrust Bank.I have a fraud alert on my credit report stating to contact me at my phone number prior to issuing any new credit. Suntrust has closed the account but not tell me why this account was opened without contacting me first.
|
| 07/03/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I went into the sun trust bank and talked to XXXX regarding my dad being deceased. I told him just informing them of deceased he called the mortgage department and than started demanding payment from me ... I told him I have no money I am not taking responsibility of debt.
|
| 08/14/2018 |
Yes |
- Checking or savings account
- Checking account
|
- Problem with a lender or other company charging your account
- Can't stop withdrawals from your account
|
|
Web |
Servicemember |
|
Suntrust refused to honor a stop payment and in doing so, hundreds of dollars in overdraft and NFS fees accrued.
The bank refuses to acknowledge their error and refund the fees.
I am only asking for the refund of fees lost due to their error.
Thank you XXXX XXXX, DDS
|
| 02/26/2019 |
Yes |
- Checking or savings account
- Savings account
|
- Opening an account
- Account opened as a result of fraud
|
|
Web |
|
|
An account was created in my name at SunTrust Bank. I've never banked there, have no desire to bank there. Each month {$10.00} in fees are assessed to this empty account. I have called and emailed and tweeted SunTrust but they refuse to or are unable to close the account.
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| 04/05/2019 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Other features, terms, or problems
- Other problem
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Web |
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My checking account with Suntrust closed, causing my online banking profile to become invalid despite me having a Suntrust Credit card. I have contacted Suntrust multiple times to rectify to no avail. I need access to online banking to be able to use this CC effectively.
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| 02/20/2019 |
Yes |
- Checking or savings account
- Savings account
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- Closing an account
- Company closed your account
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Web |
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I've called before to see whats going on just the fact they did closed the account before. It makes no sense to send a letter to me. Since they close the account before.on the letter it showed from XX/XX/2019 thru XX/XX/2019. Account been closed where this has this came.
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| 09/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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My mortgage loan was with SunTrust and in XXXX 2013, they transferred my loan to XXXX as a bankruptcy mortgage loan to service. I never filed bankruptcy nor was I ever late or behind on my mortgage. this has caused my credit score to decline and I cant refinance my home.
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| 06/23/2015 |
Yes |
- Bank account or service
- Savings account
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Web |
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Placed on a hold on deposit funds even though they verified the funds available when I deposited XXXX checks in the savings account. I was told that even thought the funds have been verified that do to the large amount I had to wait until the XXXX until the hold expires.
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| 11/18/2019 |
Yes |
- Mortgage
- Conventional home mortgage
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- Applying for a mortgage or refinancing an existing mortgage
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Web |
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Please accept this narrow and specific Qualified Written Request under 12 CFR 1024.36 for a copy of the life of the account accounting and life of the account escrow accounting for the following two account / trade lines, 1 ) XXXX and 2 ) XXXX. Thank you, XXXX XXXX XXXX
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| 07/19/2018 |
Yes |
- Credit card or prepaid card
- General-purpose prepaid card
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Web |
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This was a secured credit card where i upload money to use. with unexpected fees some how i owe on a secured card and they reported this to my credit report.
Can this error be remove from my report? I'm looking for a resident and this is affecting my move.
Thank you
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| 09/19/2015 |
Yes |
- Consumer Loan
- Installment loan
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- Shopping for a loan or lease
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Web |
Older American |
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SUN TRUST Bank refuses to grant my loan request ( Reference ID XXXX ) because " After reviewing your application, we regret that we are unable to approve your request based on the following reason : Unable to obtain credit report from consumer reporting agency XXXX. ''
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| 09/28/2016 |
Yes |
- Bank account or service
- Checking account
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- Account opening, closing, or management
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Web |
Servicemember |
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SunTrust has repeatedly opened new checking accounts with slight variations on my name. They have no activity, but they create huge hassles for me when I try to use Online Banking. They are created without my consent and I would like the practice to stop immediately.
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| 07/22/2015 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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Suntrust Bank has duplicate reports, reflecting negative history.
XXXX XXXX XXXX was mortgage service r and collected payments until XXXX 2014 which were on time along with ChXXXX arrears current status.
Mortgage hard inquiry most recent not authorized to be done.
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| 04/22/2015 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Application, originator, mortgage broker
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Web |
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Unable to refinance my high interest mortgage with SunTrust bank for years because SunTrust mortgage made a clerical error on XXXX data and have not made substantial effort to correct the error. Meanwhile I kept paying Sun Trust Bank the high interest mortgage rate.
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| 05/15/2015 |
Yes |
- Bank account or service
- Checking account
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- Using a debit or ATM card
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Web |
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XXXX Acct. number Please attach additional pages to file.
XXXX is another communication from the Bank stating that the XXXX wasnt presented until the XX/XX/XXXX. Also is another transaction list, which shows that I was charged overdraft fees while in the positive.
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| 12/12/2016 |
Yes |
- Bank account or service
- Other bank product/service
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- Making/receiving payments, sending money
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Web |
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Sun Bank credit card makes Due Date impossible to meet because it is a day when mail is NOT delivered! XXXX XXXX, in XXXX ; Sunday, XXXX, in XXXX.
I complained in writing to XXXX XXXX in XXXX, FL in XXXX No response.
Meanwhile, Bank charged me {$35.00} late fee!
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| 07/15/2016 |
Yes |
- Mortgage
- Conventional fixed mortgage
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- Loan servicing, payments, escrow account
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Web |
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Suntrust Mortgage increased my mortgage payment twice in two months. The second time they did not inform me of the new payment amount until I received a notice saying that unless I Payed the extra amount I would be reported to the financial bureau for non payment
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| 04/20/2017 |
Yes |
- Bank account or service
- Checking account
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- Problems caused by my funds being low
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Web |
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SunTrust c hecking account. They keep charging us overdraft fees and the overdraft fees is what makes our account go in the negative. They should not be able to do this, It is not right especially when the overdraft fee causes the account to go in the negative!!
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| 02/23/2019 |
Yes |
- Checking or savings account
- Checking account
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- Managing an account
- Deposits and withdrawals
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Web |
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On Friday, XX/XX/ 2019 I transferred {$130.00} from my XXXX account to my Suntrust account. The money has subsequently been stolen by Suntrust ( they do not recognize the transfer despite XXXX saying the transaction was completed and my funds being missing ).
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| 08/29/2019 |
Yes |
- Checking or savings account
- Checking account
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- Problem with a lender or other company charging your account
- Transaction was not authorized
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Web |
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on XX/XX/2019 i went to the bank to withdraw some money and found out that my account was being used and took XXXX dollars from my account. this happen within several transaction. i would like to request a thourough investigation and im willing to prosecute.
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| 10/28/2019 |
Yes |
- Checking or savings account
- Checking account
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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my husband an I opened two checking accounts and a savings account with Suntrust Bank and I was told I could not have accounts with them and now they will NOT return our money!! This bank will not even give me a reason as to why, verbally or in writing ...
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