Consumer complaint received 2017-09-03
Company: SUNTRUST BANKS, INC.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
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 ...

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