SUNTRUST BANKS, INC

2019-10-25

Mc Donough, GA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Athens, GA

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Arlington, VA

Managing an account

Checking or savings account: Checking account

Funds not handled or disbursed as instructed
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Atl, GA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Savannah, GA

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

South Florida, FL

Money was not available when promised

Money transfer, virtual currency, or money service: International money transfer

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-24

Lewisville, TX

Attempts to collect debt not owed

Debt collection: Private student loan debt

Debt is not yours
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-24

Philadelphia, PA

Struggling to pay your loan

Vehicle loan or lease: Loan

Lender trying to repossess or disable the vehicle
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Katonah, NY

Closing an account

Checking or savings account: Checking account

Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

La Pine, OR

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Lakewood Club, MI

Closing an account

Checking or savings account: Checking account

Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Marlboro, MD

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

GA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Riverview, FL

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-23

Oxford, GA

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Problem with fees
Complaint: 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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-23

Hayfield, VA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-22

Sandy Hook, VA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Clinchco, VA

Closing an account

Checking or savings account: Other banking product or service

Funds not received from closed account
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Savannah, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-21

Houston, TX

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Atl, GA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Alexandria, VA

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-19

Harsens Is, MI

Problem with cash advance

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-18

Chesapeak Bch, MD

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response