SunTrust Bank

Review: Recently on 02/20/14, I needed some cash for an emergency. I walked into the [redacted] location of Suntrust Bank(zip [redacted]). I have ben a customer for over 10 years. I told the teller that I need 10k from my account in cash.The teller was professional and he asked another lady teller next to him if he could make the payment.. The lady teller went to the supervisor (a lady). She came back and told me that she can only give me 5k in cash. I said that's fine, I will take tthe 5k from my account. My adult daughter who has a different account said that she could withdraw another 5k from her account. The teller told her that they will not give her any cash. I explained that my daughter has a different account and should be treated like a like a different custome altogether. The lady teller that she will not do it. I asked her what happens if someone else walks in and asks for a cash withdrawal, will she refuse him/her too. She said if she so decides she can refuse to pay me any cah at all. Anyways I took the 5k in cash. On the way out I decided to speak with the lady superviosr who was sitting and chatting with anlther suoervisor and robably the [redacted]. I told her that I have been a bank customer for over 10 years but the experience today was below par. She was very rude and did not try to find out what thee issue was or being apologetic and explainng the bank policies. She spoke and behaved very rudely and honestly it's the first time I have ever been treated in such a demeaning manner by any supervior. It was due to her that I could not get the money I needed for an emergency. She also refused to give any cash to my daughter who has her own account at the bank. And also her behaviour towarsd me was very unprofessional.Desired Settlement: Provide an explanation of why I was denied cash that neede from my account. Why was my daughter not allowed to withdraw any amount at all. The lady supervisor should be reprimanded for behaving the way she did with a customer. she needs more training in customer service.

Business

Response:

Re: Revdex.com complaint #[redacted]
SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.
Please close this case in your records.

Review: On February 14, 2014, I was en-route to a SunTrust Bank Branch located in [redacted] to withdraw money for a family vacation. I was able to withdraw $2300 in US currency and proceeded to take a flight with my family to [redacted]. Upon arrival in[redacted], I was able to change $500 US dollars into [redacted] currency with no issues. But upon reaching the middle of the week, I noticed my fund were running a bit low. I attempted to change a $100 dollars bill with a currency exchange representative. Upon exchanging to money, I was immediately flagged for having a fraudulent bill. Doubting their expertise in this matter, I proceeded to attempting exchanging my money with several other exchange locations. I was flagged at each location without hesitation. I was not only embarrassed, I was humiliated at the fact that more than 5 individuals at one location were flagging me the fraudulent bill in front of numerous customers. Upon my arrival back to the US, I immediately notified SunTrust over the phone, wrote an email online to corporate, and visited the branch where I withdrew my money. The [redacted] and representative conducted several test and determined that, in fact, the $100 dollar bill was fraudulent. A report was filed and the money was seized for further investigation. Several weeks went by with no notification.

I proceeded to contact the branch personally to see what was going on with the issue and where was my reimbursement. To this day, I have not been given any notification from the [redacted]. I contacted corporate over the phone, as well as through the internet, and the only responses that were given to me were that this was a branch issue and that management would contact me. I have contacted more individuals over the phone and through the internet to get this issue resolved than I would have liked to. What the members of SunTrust aren't comprehending is that this was a very dangerous situation for me. If [redacted] followed or had similar laws as the United States, I would have been placed under arrest for passing fake money. I have spoken to more than 10 individuals, and each time they state the manager is aware and will contact me. I have been given mixed results with corporate representatives stating that I will not be reimbursed for the money stolen from me and than representatives from the branch stating it is under review and that the manager will decide. I put the blame totally on SunTrust Corporate for allowing their branches, which are a representation of their business, allow their members to steal from their customers and provide NO ASSISTANCE, whatsoever, to resolve this issue. It is only $100 dollars, but this is my hard earned money. I, unfortunately, am not sitting on an abundance of wealth. I am a hard working individual living day by day and surviving check by check. I should have gone with my first instinct and involved the local police department and federal authorities because this is a financial institution and this needs to be investigated.Desired Settlement: I want corporate to take responsibility in this matter and handle it like it should have been handled. I entrusted SunTrust with my money and to be denied it without explanation or even an attempt to help me is unacceptable. I want a refund for my money because I feel that this PARTICULAR branch stole it from me by giving me a fake $100 dollar bill.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.

Please close this case in your records.

Review: I opened a bank online with suntrust later that day I deposited cash into my account at the bank when I went to the bank three days later I was told that the account was closed and my funds were transferred to an internal department of the bank and will take 30 days for my funds to be returned.the money I had in my account was for my rent now my rent its late and I have additional fees and I keep getting the run around whenever I call or visit a branch.Desired Settlement: My money refunded and my late charges paid and an apology

Business

Response:

We

have responded to [redacted] by letter on May 1, 2014. If you have any questions about our response, please contact [redacted].

Sincerely,

Review: I deposited a large sum of money in this bank upon opening my account. A day later, I logged in online to look at my acct just to find it closed. For three days noone is able to tell me why. At this point, I don't CARE why but I want my $4,900.00 back. I am getting the runaround about getting it back. I read HUNDREDS of reviews (ALL negative)stating to NOT do business w/ this bank. Reviews stating that people's money disappeared. I've called corporate just to be redirected to the branch just for them to tell me they don't understand why my funds are held up. I want my money back it it should not take 30-60 days to get it. I was told their Cashier's Checks bounce, so now I'm REALLY concerned. Before I hire an attorney, which is my next step, I am deciding to report this bad business to the Revdex.com in hopes of resolving this. I asked if I can have my funds released to me in the form of cash or at least routed to a bank directly. Suntrust is not trying to work with me at all! I wish I read the reviews here before I opened the account to begin with: [redacted]I just want my money back and we can part ways. I want my money back, and I want it ASAP!Desired Settlement: I want my money in the form of CASH (I will go get it), or routed directly to my bank, which I can and will provide the routing and account numbers. This needs to be done ASAP.

Business

Response:

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party authorization was received.

Please close this case on your records.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

Review: I am an former expat returning to the United States after 10 years living abroad due to my employment. One of the first tasks as part of returning to the United States is to establish a banking account: a regular checking ans savings account that would allow me to receive direct deposits for my wages and sporadic business activity. I need a bank with strong online support: my work hours are long and I am never able to go to a branch during regular business hours without having to take time off form work, and impossibility most of the time. I contacted Suntrust to explain my situation prior to applying for a checking/savings combo, and I was assured that Suntrust's online, Mobil, telephone and chat support were equal to none. Persuaded, I applied for the accounts and was, of course, approved for both accounts.

I proceeded to issue my opening deposits, and then I started to suffer unexplainable harassment for their "fraud" department. The first action they took was to cut me off from online banking. The reason? I live and work in [redacted], but has to travel to [redacted] during the day for business. I logged into the account on the [redacted] airport terminal to check if my opening deposits had cleared. According to the Suntrust fraud specialist who took my case, [redacted], the fact that I logged from a different location that my usual address is a "suspicious behavior" that must be checked. In addition, he had the audacity to tell me that they have to be more careful with Hispanic [redacted] residents as they tend to engage in more "fraudulent activities". The only way that I could restore my account's online access is to go to a branch and identify myself. I confess I hanged up in shock as I could not process the magnitude of the horror he conveyed. I contacted another bank specialist, who apologized profusely for [redacted]'s statements. She advised me that my accounts were OK: only online access have been deactivated. Since I had already switched my direct deposits to thsi new account, had already received the corresponding debit card, I decided to stick with these accounts and go to the branch to identify myself at the first opportunity. In the meantime, I used telephone banking.

Today, I was informed that the fraud department was closing my account due to an undisclosed reason: no notes or explanation were posted so the customer service reps cannot even give me an explanation. They are having trouble contacting the fraud department to obtain a justification for this action. They can only tell me the culprit of this later action: [redacted]! He tagged my accounts for closing without posting any reason, something every customer rep finds extremely odd. My accounts were opened a total of 3 weeks, with very modest activity and purchases. I did not travel outside the US, nor made any big purchases. My accounts did not receive large sums of money either (my total deposits were less than $3000.00 on those three weeks!). There is no logical reason to target these accounts for closure due to "suspicious behavior". I am completely convinced that the only reason I was treated this way is because I am of Hispanic origin: my last name is offensive to Suntrust's fraud division, specially to [redacted]! My question is the following: If Suntrust fraud division does not want to cater to hispanics, why are they in business in [redacted] of all places? I am supposed to wait ten days for a mailed letter that will, maybe, disclose the reason for closing my accounts. In the meantime, I was told that Suntrust has "the right" to keep my account balance for an undisclosed amount of time. Suntrust basically wants to steal the balance left on the accounts.Desired Settlement: More importantly, I want a check mailed immediately for the balance on my accounts ($2684.35 in checking and $20.00 in savings). I want an apology, and I would like the president of Suntrust to hear about this case, as this type of discrimination and harassment does not have place in today's America. Under no circumstance I am interested on continue my relationship with Suntrust.

Business

Response:

We have responded to [redacted] by letter on May 6, 2014.

If you have any questions about our response, please contact [redacted].

Sincerely,

Business

Response:

We have received and reviewed your correspondence to

SunTrust that was also forwarded to us by the Revdex.com. We appreciate the

opportunity to response.

Our records reflect the above referenced accounts were open

on April 10, 2014. The accounts were

reviewed by our Fraud Department and closed on April 24, 2014 and the account

funds were sent to your address of record. The decision to close the accounts

was a business decision made by SunTrust. This is explained on page 2 of our

rules and regulations for deposit history ([redacted]). The Rules can be viewed

in full on our website [redacted] (see about us- fee schedules- deposit account

disclosures).

It is SunTrust’s policy to offer its banking products and

services, including credit products, to any qualified applicant in a responsible

and non-discriminatory manner, and it compliance with all applicable Fair

Banking and Consumer Protection Laws. SunTrust is committed to fairly

representing its products and services and honestly and transparently

disclosing the associated costs and fees. Our goal is to provide value to our

clients, protect their interest, and assist them in selection the products or

services that meet their needs. To that end, we scrutinize our disclosures to

ensure that they are clear and understandable; verify that information provided

to our clients is complete and accurate; and listen to our clients’ expressed

needs. We provide comprehensive training to our employees and perform ongoing monitoring to ensure

compliance with Consumer Protection Laws and Regulations.

[redacted] we hope this information is helpful to you. If you

have any other questions, please call us at [redacted]. One of our

representatives will be glad to assist.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

I received today a notice indicating you believe this

complain has been resolved ([redacted]). That is hardly the

case! Please note that:

1. As of today, 05-15-14, I have not received ANY

communication from SunTrust Bank, even though they alleged a letter was mailed

to me on 05-06-14.

2. SunTrust Bank still HAS NOY REIMBURSED ME for the

$2684.35 that was available on my checking account and $20.00 available on my

savings account at the time of account closing. As of today, 05-15-14, SunTrust

Bank still owes me $2704. 35 total.

Please, do not close this complain, as SunTrust is hoping

you and I will be too busy to pursue this matter. They seem to hope I will

forget my money!

Regards [redacted]

Business

Response:

We have received your

correspondence forwarded to us by the Revdex.com in regards to the response we

sent to you on May 6, 2014. We appreciate the opportunity to respond.

We believe that we have fully addressed the issues you presented

with regards to our decision to close you accounts in that response ([redacted]

[redacted]). We understand your frustration; however, based on our Rules and

Regulations, which were noted in our response, we found that the case was

handled properly.[redacted], we regret that you were not satisfied with the

response, however, the decision to close the above referenced accounts remain

the same. If you have any other questions, please call out Fraud Assistance

Center at [redacted]. Our

representatives would be glad to speak with you.

Review: To whom it may concernAccount [redacted]I had a suntrust account. I recently closed due outrageous fees that had to be charged in error. I have a savings account. A scheduled wire transfer of $9,500 was delayed, and a charge came through on my checking account 4/24/14 for $12.41, it was not available in the checking account so I was charged $12.50 to transfer $12.41- Ridiculous, and it is interesting there was no charge to transfer the money into my account every month. In addition to that I was charged $36.00 over draft fee. Then 5/2/14 another charge of $62.00 was going through, so $43.44 was automatically transferred to my checking, and I was charged $12.50 and an over draft fee of $36.00. Then a credit card charge 5/5/14 for $130.00 that should have been declined came through and $31.02 was automatically transferred to my checking account, and I was charged a $12.50 transfer fee and a $36.00 overdraft fee. Then I was charged an additional $36.00 over draft fee for the amount of time it took to get into the bank. I had been out of the country in Jamaica on business. When I went to the bank 5/12/14, the Manager [redacted] at the [redacted] branch on 29 only offered to credit one of the over draft and one of the transfer fees. How is it even legal to charge an over draft fee when there was enough to cover the charges in the savings account??? No one could answer the question. The credit [redacted] issued would take until 5/13/14 to post, and she stated she would close 5/13/14 the account and send me the check. I went into the branch 5/13/14 but [redacted] was not there and no one at the branch could complete the transaction. I received a call the following day stating that all had been completed. A few days later I received a check, but it was $7, short. Confused I went back to the bank to find out why. [redacted] printed the statement, but told me she was too busy to help me with it and I had to wait. Suntrust had charged me a $7 maintenance fee on 5/14/14.Desired Settlement: A few days later I received a check, but it was $7, short. Confused I went back to the bank to find out why. [redacted] printed the statement, but told me she was too busy to help me with it and I had to wait. Suntrust had charged me a $7 maintenance fee on 5/14/14. On an account that was to be closed on 5/13/14! Ridiculous! I waited about 15 minutes, but I could not wait all day. She was in no hurry to talk to me, so I left a note for her to call me. No response.Requesting the refund of $104.00

Business

Response:

SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received.

Please close this case on your records.

Review: A month ago I deposited a check for $300. SunTrust apparently messed up and doubled the amount. A few weeks go by and I see the randomly decide to correct it and take $300 out. No phone call, just a letter a few days later. Now, because of the unexpected withdrawal plus other transactions that had already been in process, I am currently -$578.72. $288 of that in overdraft fees. They also reversed previous transactions to come out after that $300.Desired Settlement: I would like all the overdraft fees taken off. It has been multiple times SunTrust has reversed payments out just for larger ones to place first. Set aside randomly fixing their own error and just taking the money back without any prior notice.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding a $300 deposit that was credited to your above referenced account twice on April 7, 2014. On May 21,2014, we debited your account $300 to correct our error. Following that correction, the account became overdrawn, resulting in the assessment of $252 in overdraft fees on May 21 and 22, 2014. We appreciate the opportunity to respond.

We regret any inconvenience you experienced as a result of our debiting your account $300 on May 21,2014 for the deposit error that occurred on April?, 2014. However, it is the responsibility of the client to·keep accurate records and know the balance of your account at all times. All items presented for payment were paid. As a courtesy, we refunded $72.00 in overdraft fees and the $36.00 extended overdraft fee that was assessed on May 28,2014. These transactions will be reflected on your next statement.

The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. [redacted] are pages 16 and 17 of our Rules for your review. Our Rules are provided at account opening and on our website s[redacted] (see About Us-Fee Schedules-Deposit Account Disclosures).

[redacted], we hope the information provided is helpful to you. Ifwe may be of further assistance, please don't hesitate to call [redacted] or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for banking with SunTrust.

Sincerely,

Review: When I opened an account with sun trust bank I set up my account debit card to not allow transactions in the event their in non sufficient funds. This option was offered to my husband and My self and we took it. We were promised that if in the event there was ever not enough in our account to cover a transaction with the cards it would be denied and not work. In mid august 2014 my husband's direct deposit was not the amount it was supposed to be and we uses the cards believing we has sufficient funds and that his deposit was the correct amount. Never checking online to see because the cards worked so there was funds to cover. We then check online several days later to find the bank has charged us over $600 in over Draft fees and they took $160 of our savings account completely emptying it. That money was for our kids school supplies. I call the bank and spoke to [redacted] at the largo branch and he said to bad we can not refund that much fees and he only refunded $72. My husband received a direct deposit from his employer after that to correct the mistake and the bank fees took almost the entire pay check. We had $200 to live on for 2 weeks. It is not our fault the banks computer system failed to block the debit cards as we were promised would happen.Desired Settlement: We want a refund for the entire amount of fees that were charged to our account in august 2014.

Business

Response:

We responded to [redacted] by letter on September 19, 2014. If you have any questions about our response, please contact [redacted].

Sincerely,

President and Manager

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The letter I received stated in summary they understand that we were advised that we wanted our bank atm cards to not work if there were non sufficient funds however we later took part in overdraft protection which canceled out the prior understanding of a stop on our debit atm cards if there were non sufficient funds. The problem is that we were never made aware of such and therefore how can we or any customer know without being made aware that it would cancel out the block on debit card use if non sufficient funds. I feel this is just an excuse and the amount of money that was taken from our account in fees was excessive and price gouging.

Regards,

Review: Suntrust Bank put a hold on my checking account they stated because they felt there was suspicious activity, they never called me or emailed me, when I found out one of my bills would not go through and the lender contacted me, I called the bank and they placed a hold on my account. I called the fraud division and they could not explain why and would send another card, but my account still has a hold, and my bills are automatically taken out..it has been 2 weeks and I just contacted Suntrust and they still have not maied a new card or lifted the hold on my accounts and my automatic bills are coming out which will not be paid and hurt my credit when I have never been late.Desired Settlement: They need better communication with their Customers, I have been with Suntrust for years and when this is resolved will be closing my account and telling others of the service.

Business

Response:

SunTrust has responded to our client but cannot share our response with the Revdex.com as no signed third party authorization was received.

Please close this case on your records.

Review: On 9/26/2014 I made a deposit of my wife's paycheck via the drive thru and on 9/29/2014 I made a similar deposit via Mobile banking with no issues. On 10/14/2014 I made another two deposits via mobile banking however the next day I noticed the funds were not in my account. Upon inquiring I was told my account was tagged for closure and that the fraud department had frozen the funds. When I asked why I was told that the checks deposited on 10/14/2014 were third party checks and that was a policy violation. Today is 1/27/2014 and I still have no access to my funds even though my mortgage payment is now late. I contacted the fraud department and was informed that the branch area manager could over ride this issue and release the funds however [redacted] refused to do so. I have threatened to obtain legal representation to get my funds and feel I may have to do that to get access to my funds. In my opinion this was the banks error and the bank wrongfully withheld these funds from me and my family which caused extreme hardship. I have heart disease and this has caused extreme stress on me. My doctor has had to increase my medication to help cope.Desired Settlement: DesiredSettlementID: Refund

An immediate full refund of the funds due plus interest earned is any, a letter of apology from management of the branch and the area manager as well as a letter for my mortgage company of the banks admission of the error being the banks fault and not tat of myself. Restoration of my account at the bank.

Business

Response:

Re: Revdex.com complaint #[redacted]

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.

Please close this case in your records.

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID[redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

Suntrust's response was in fact "no response". as they have not received a third party auth. I have not personally received any communication from Suntrust so as far as I am concerned the matter remains unresolved. This has been the typical treatment received from Suntrust and I don't expect to hear from them. To my knowledge the US mail is still operating

Regards,

Review: SunTrust violated my member agreement and behaved unethically by charging me over $250 in overdraft fees when funds were available.

I have a checking account with SunTrust. I opted out of overdraft protection. On December 9, 2014, though a direct deposit was pending, SunTrust proceeded to charge me $216 in overdraft fees for several small dollar transactions under $15 apiece. The deposit in question is a routine one from a merchant account I use and typically goes in within a day. I planned accordingly for this and checked my statement online. This time, however, the deposit was held for an additional day. Instead of denying the transactions, SunTrust proceeded to further overdraft my account with overage fees in violation of my member agreement. SunTrust is known for it's terrible technology and at this point, I have had it. I checked via phone and via internet, the only methods available to me, to verify my balance. I had deposits going in to more than cover the costs of these small dollar transactions. SunTrust needs to rectify their accounting errors and reverse these erroneous charges. This is absolutely unethical (as they of course use the method of deducting the highest charge first, then the smallest, in order to charge the maximum amount of fees possible) and not at all what I agreed to. I opted out of overdraft protection, yet somehow I have $250 in overdraft fees ($218 plus a charming $36 extended overdraft fee they decided to tack on). ? I don't think so.Desired Settlement: SunTrust needs to reverse all of these erroneous charges to the letter. This is a violation of my member agreement and if hold times on direct deposits changed and funds were not available, these charges should have been denied. My account is NOT enrolled in OD protection. Furthermore, I find this disturbingly unethical. All of the items which incurred OD fees were under $15. The OD fees add up to over several times over what the actual supposed overdraft charges were.

Business

Response:

We have responded to [redacted] by letter on January 2, 2015.If you have any questions about our response, please contact [redacted].Sincerely,[redacted]

Review: I lost my debit card on 2/7/15. I called Suntrust customer service and requested a new card. They told me it would be about 3-5 business days before I got my new card. I waited until mail came on Friday 2/13/15, this would be 5 business days. There was no card. I called again on 2/13/15 and asked for a status on my card. The agent that I spoke with told me that if I did not have my card already it was lost in the mail and they need to send a new one. I asked this person "do we need to cancel the card you already sent? What if this shows up?" they told me no there is no way this card is going to show up and they will rush me a new one. I received a card on Monday 2/16/15. I assumed this was the card they rushed to me and called the bank to activate it. I was told that they cannot activate that card because it had already been canceled and I need to wait for the second card that was "rushed" to me. I still do not have a card, today 2/18/15. I called again to ask for a status. They told me that my "rushed" card would likely arrive between Thursday and Monday of next week. They then informed me that they did not even mail anything on Monday, it was a holiday. The agent I spoke to on 2/13/15 told me that I would have my card by Monday or Tuesday. No one informed me that they would not send mail on Monday. I am now in a total bind. I am supposed to travel, tonight, I can't cancel my trip, my sister is relying on me to help her with her 4 year old and 4 week old and cannot change my travel dates. I am supposed to be booking a rental car, I now cannot do this. I don't even know how I will make it home if I can't get my rental car. I am going to have to go drain out all of the cash in my account and put it on a prepaid visa to do anything. This is not why I have a bank, if I wanted to spend in cash and use prepaid debit cards then I wouldn't use a bank!!!Desired Settlement: I want a sincere apology. I want to bank with someone who thinks it should be a priority to make sure their customers have a debit card in a reasonable amount of time. 11 days is NOT reasonable. I am also now going to have to have my husband wait for the mail (let's hope it shows up before he travels on Saturday) and ask him to overnight rush my card to my sisters house in Michigan. I would hope that Suntrust takes responsibility for this and pays for the overnight rush that I am going to have to out of pocket pay for since Suntrust does not understand what "rush" shipping is.

Business

Response:

Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding the level of service you received when you notified us that your above referenced check card had been lost. We apologize for the lack of communication that occurred in this situation and regret any inconvenience you experienced. Please be assured your comments are important to us and were forwarded to the appropriate management area. The information you provided us helps us to know where the emphasis for future training and process improvement efforts should be placed. We learn how we can improve from clients like you who choose to share their experiences. If you incurred a fee for having your new check card shipped to your sister's house in Michigan, please send a copy of the receipt to my attention at the address on this letterhead. We will reimburse you for this fee. We show the address we have on file for you is different than the one you provided to the Revdex.com. To update your address, you may access your Online Banking Profile, call 800.SUNTRUST [redacted] or visit any SunTrust office. Our representatives will be glad to help you. Ms. [redacted], we appreciate your loyalty over the past years and ask that you allow us the opportunity to regain your confidence. When you have questions or concerns about your accounts, please do not hesitate to contact us_ Sincerely, [redacted] Officer Client Advocacy Team Copy to: Revdex.com

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I never received the card, it didn't even come with enough time to be shipped to my sisters. It was not shipped to my sisters. I had to make my sister drive me with her 4 year old and 4 week old in the snow 2 hours to the airport and 2 hours back because I could not rent a car because I did not have my card.

Review: I opened an account with Suntrust earlier this month. I am a first time customer with them. They neglected to tell me that if I deposited over $2,000 within the first 30 days that there would be a hold on my account. My funds have now been held for several days leaving me with a negative balance in my account. This is my paycheck. I am unable to pay my bills, put food on the table for my family or even put gas in my car to get to work. I have been treated like a dog by customer service reps as if I were a criminal. Suntrust has even contacted the bank where my paycheck originated and they guaranteed that the funds were available and that the transaction would be fluid yet Suntrust still will not release my funds.Desired Settlement: I would like Suntrust to give me my money and remove all overdraft fees immediately.

Business

Response:

Re: Revdex.com complaint [redacted] SunTrust has responded to our client by telephone but cannot share the response with the Revdex.com as no signed third party authorization was received. Please close this case on your records.

Review: In February my son's father deposited money 600$,into my account as he has been doing for over a year. On seeing the credit on my account I issued checks to pay the usual bills. SunTrust allowed 400$ in cheques to be cashed and for some reason returned the credit to my son's father account. They then closed my account and told me its with the fraud department when I called to inquire, the customer service agent was confused and couldnt explain. I received a letter in the mail saying that I owe the bank and they will take action to the full extent of the law. When I called the bank I was placed on hold for an hour while they concoct a story. They now state that the cheque did not clear and so they returned it to the bank which is untrue.

The bank told me they do not call their customers, which I believe I was told because of my accent. Which bank dont call their customer.

Please help!Desired Settlement: A full investigation as to what happened, an apology and explanation. I would like to be allowed to pay the amount without administrative charges because there was an internal error.

Business

Response:

Please see attached business response

Business

Response:

Dear Ms. [redacted]: I have received and reviewed your correspondence forwarded to us by the Revdex.com regarding the closure of the above referenced account. I appreciate the opportunity to respond . You indicated that when you contacted us to inquire about the account you were unable to obtain correct information. I regret that you were not given accurate information at the time of the call. Our records reflect that a check that was deposited in the amount of $600 was returned to us unpaid. Because of this the business decision was made to close the account. SunTrust accounts are governed by our Rules and Regulations tor Deposit Accounts, a copy of which is provided to our clients at account opening. Detailed information concerning this matter is included on pages 22 and 23 of our Rules and Regulations for Deposit Accounts (enclosed) and on our website suntrust.com (see About Us-+Fee Schedules-+ Deposit Account Disclosures). Ms. [redacted], I understand how frustrating this matter has been. You will need to contact the maker of the check to collect the amount of the check. Please remit $567.68 to our: Restitution Coordinator, P.O. Box 2600, Mail Code VA-NNS-6491, Norfolk, VA 32501-2600. We wish you the best in your future endeavors. Sincerely, [redacted] Officer Client Advocacy Team

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID 10605659, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[SunTrust Showed a credit to my account in the amount of $600.00 before the cheque cleared, this is not a courtesy I requested. When I saw the credit to my account I assumed the cheque cleared and wrote cheques totaling $403.00. Once the cheque did not clear they closed my account and sent me the attached asking that I pay 439.18. I did some investigation as noone from their customer service was able to explained what happened. On May 18th, I mailed a cheque with the attached document for the amount of $439.18. It is not right for SunTrust to demand $567.00, they made the error and need to accept some responsibility. Also once the account is closed I have no access why am I being charged additional this is robbery.

Regards,

Review: I recently was charged an overdraft fee of $36 for an item that was pending. The transaction was then withdrew and reapplied to my account a few days later. Witch after it was withdrew I was positive within my account balance and was charged an overdraft fee. Which then sent me negative $1.97. I attempted to call the bank and ask them to fix this issue but they refused saying that the transaction already went through. Yet they couldn't answer why the transaction that was reapplied was still pending. I am so displeased with this bank. This isn't the first time something like this has happened. I would go out to eat and the restaurant charged me twice by accident but canceled the first transaction. Yet Suntrust Bank would charge you even if the transaction was canceled.Desired Settlement: I want the $36 fee refunded into my account.

Business

Response:

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.Please close this case on your records.

Review: SunTrust loan consultant exzimplified no concern for me as a consumer I specify as a home buyer that I wanted an approval not to be sold a dream She pull my credit told me I was eligible gave me a preapproval letter for 100.000 to make a long story short I put contract on house and had an inspection to be told my loan was denied by second review underwriting She neaver return calls I was inform by mortgage broker I neaver should have been issued an preapproval letter not to mention she never inform me of any of the particulars that could have a negative outcome.Desired Settlement: DesiredSettlementID: Refund

I feel SunTrust Mortgage Dept should refund me my hard earn $210 for the uncessary inspection on the house that according to SunTrust Mortgage guidelines I never qualified for. My ? Is how did it get that far and she had to know I would loose my money. My time was wasted the sellers put contract on a house all of this happen without a reason all I want is my $210 back. I feel the consultant could simply said you don't meet our guidelines loan denied.

Business

Response:

We have received and reviewed the correspondence that was

forwarded to our office from the Revdex.com (Revdex.com) regarding the

above referenced loan. We appreciate the opportunity to look into the issue

raised and to provide a response to you.Our records indicate that you completed a pre-qualification application

on May 5, 2015 and a Pre-qualification Notification was issues. During the

meeting with the loan officer, possible factors that could impact approval were

discussed. Unfortunately, after an underwriting analysis we were unable to

approve the loan due to “unsatisfactory record on past credit.”Please note that a Pre-qualification Notification is based

on the verbal information provided at the time of the loan application and does

not constitute an official commitment or guarantee for loan approval. We do not

discourage clients from applying for loan financing. The final loan approval is

based upon verification of the information provided at the time of application,

stipulations as may be required at the underwriter’s discretion and other

requirements.[redacted], based on our findings we respectfully decline your

request for a refund of the $210.00 inspection fee as the inspection was not a

SunTrust Mortgage, Inc. (SunTrust) requirement. There were no upfront fees

collected by SunTrust. If you have any

questions regarding this letter, you may contact our Mortgage Escalations

Resolution Team at [redacted], Monday through Friday 8 a.m to 6p.mSincerely,[redacted]

Consumer

Response:

I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Provide details of why you are not satisfied with this resolution.]

Regards,

First of all my complaint is not being denied but, being prequalified for 100.000,when the loan NEVER should have never made it to underwriteing How did I make it to an inspection without a 100% approval I need SunTrust bank to take responsibility for the actions of the loan officer she disrespected my intelligence by not giving a hoot about my finances or feeling thinking this could be swept under the rug . This is all gone to the left I need some answers This shouldn't have happem

Review: Like other banking institutions, Suntrust has overdraft fees. No argument there. However, as a Suntrust customer, we receive overdraft fees when transactions are in pending status (before the charge is finalized/ post). For example, I had a charge charged twice on August 6th for '70s car wash'. One was for the orginal price of 25$ however I made an additional 5$ tip; in the system those charges (a 25$ and a 30$) plus others were pending which accurred a 36$ overdraft fee. I called to explain the error and to inform the csr the charge will not post due to it being one offical authorited charge. As a inconvenience to myself, I had to call back in to request a refund after the charge drop; which was 2-5 days later.

Over the past two months, I've experienced three different encounters of Suntrust posting overdraft fees before the charges actually post. On June 26th, I had a 4.99$ pending transaction (which was later refunded) and a 200.00$ pending transaction result in a overdraft fee. The 4.99$ transaction from Itune placed the account balance into the negatives while in pending. I checked my account on the morning of the 26th, noticed the negative balance, and immediately made a 25$ deposit to avoid fees while the 4.99$ charge is in the refunding stage however the 36$ overdraft fee had already posted. I can't say, in my 31 years of banking with an institute, that it is economically a plus to bank with Suntrust. I will be sure to discourage any and everyone to NOT bank with them for this simple mishap. Changes are definitely due.Desired Settlement: I am requesting to have a policy review. Please send detailed information of the overdraft fee policy. I would like to see the policy written out stating the fees are to be charged before the transactions are paid to the merchant and posted to an account. IF this can not be produced, systematically, changes should be made promptly to avoid future lawsuits.

Business

Response:

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.Please close this case on your records.

Review: I had a scheduled car payment to come out of my bank acct on October 9, 2015 but I didn't have the money in my account or available so it didn't come out. My car payment comes out in 2 parts. One part as $122.08 and the other part as $235.42. Again my car payment tried to come out on October 14 but this time SunTrust Bank decided to let the payments come out even though the money still wasn't there. It caused me to be charged 2 $36 overdraft fees and it also put my account $423 in the negative. I was trying to get the money together or return the vehicle on October 14, 2015. SunTrust should not have taken it upon themselves to take money out of my account that wasn't there and then charged me 2 $36 overdraft fees. I want them to undo everything they have done. The vehicle was returned on October 14, 2015. I don't see how a bank can take money out of anyone's account when the money isn't there. It doesn't do that to another scheduled payment that I have at the first of every month for $30 why would it do it to 2 payments over $100 & $200?Desired Settlement: I want my bank account to go back to what it was before they took out the 2 portions of the car payments and to not charge me the overdraft fees.

Business

Response:

SunTrust has responded to our client but cannot share the

response with the Revdex.com as no signed third party authorization was received.Please close this case on your records.

Review: I was charged several NSF fees on my account for cleared transactions in which my account money available. I have a copy of the transactions from the website which proves NSF fees were taken from my positive balance which resulted in my account being negative.Desired Settlement: I want the NSF fees waiver from my account.

Business

Response:

Re: Revdex.com complaint# [redacted]- [redacted] SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received. Please close this case on your records.

Review: we are restaurant we used suntrust merchand services they being holding our funds for the last 30 days without any explaination on why they did that no respond no letter anything .Desired Settlement: please we need the to reales our credit card sales for us to paid our rent and our bills

Business

Response:

Re: Revdex.com complaint# [redacted] ([redacted]) SunTrust has responded to our client but cannot share the response with the Revdex.com as no signed third party authorization was received. Please close this case on your records.