Consumer complaint received 2018-02-13
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
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

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