SunTrust Bank

Review: I received a letter 2/23/15 indicating that they owed an unpaid debt of $2180.26 including a $30 fee. However, [redacted], my mother who is actual owner of the account and Business. I only signed the "Business Account Signature Card." I immediately contacted the Bank to let them know that she was the owner and was willing to so submit proof of ownership of the company (e.g. State Corporation Forms, IRS 8865 form indicating the tax ID, business name and [redacted] etc.). Initially, I spoke to [redacted] from the DDA Recovery Department on 2/27/14. She indicated that due to the status of the account of it in the “Unpaid Charged off Account" status, that the DDA recovery department could not remove me from the account until it was paid off or reported negatively to check reporting and credit bureaus. Additionally, she also suggested that I go to the branch and have the branch send proof that I was not the owner of DKB Speech and Language Services. I then went to the branch where the account was opened and initially spoke to a CSR person named Ms. [redacted]. Ms. [redacted] was able to pull the folder that contained the copies of the signature cards. Ms. [redacted] indicated that the signature cards and my sister [redacted] listed as the owner(s) but was not signed so it was considered invalid. Additionally, Ms. [redacted] indicated that this was done in error by the previous Branch manager named Ms. [redacted]. Ms. [redacted] could not get through to the DDA Recovery department and indicated that she would contact them on Monday 3/2/15 as well as fax them the documentation showing who the actual owner(s) of the account and business were. On Monday 3/2/15, I received an email from Ms. [redacted] indicating that the DDA Recovery dept. indicated to her that my sister and I were showing as owners of the account and hence, either the account be paid in full, payment arrangements must be made or their names will be reported negatively to credit bureaus.Desired Settlement: contacted the DDA recovery department on 3/2/15 and spoke to [redacted]. She indicated that the branch should complete a "DDA exception form"- which corrects the error hence, removing my sister and I as the owners and from the business checking account. Dee then made an appointment with the Branch Manager, [redacted] on 3/3/15. He called the DDA Recovery Dept. while mom was there and he spoke to "[redacted]". She indicated that their department would not remove us from the account because of the status of the account. If our names are reported to the credit bureaus, it would be then that Suntrust DDA Recovery department would accept the "DDA exception form" from the branch then they could dispute the discrepancies to the credit bureaus. Additionally, Mr. [redacted] indicated the "Deposit Account Resolution and Authorization for Business Entities" which verifies who actually owns the business was missing the signature, hence this made the form invalid. Illegal collection practices.

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 on your records.

Review: This is a long ranging problem with suntrust bank, I opened the account about a month ago and have had issues ever since. first issue, my debit card didn't work when I first received it, when I called the bank about it, they asked me security questions, I answered 2 of them, but the 3rd , hey asked for an address that I lived at over 30 years ago, I couldn't remember it, so they refused to help me, it took several days to correct the debit card issue, 2nd issue, I deposited my paycheck for 290.44 on 8/14/15 and they put a hold on it till 8/22/15, I have contacted them multiple times and they have yet to release my money from a legitimate bank for work that I performed, the customer service that I have dealt with over the last month has been horrible, no one seems to be able to help and resolve my issues, every issue I have taken to them have failed to been resolved. All I want is my funds released to me for my paycheck of 290.44, thank you.Desired Settlement: I just want access to my funds that are legitimately mine.

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: From June 29 th to July 7 th 2015, I paid 468 dollars in NSF Fees. The overdrafts were due to an unforeseen personal event. I quickly took a 3100 dollar hardship withdrawal from my personal 401 K to reconcile and bring the checking account up to date. I visited [redacted], branch manager at the [redacted] branch. Mrs [redacted] was polite but she affirmed that Suntrust would not be able to return any of the NSF charges because it was not a bank error. The bank chose to elect which items were paid or not but I personally had no election on whether or not I paid the fees. 468 dollars for a customers hardship withdrawal, from a 5+ years customer is punitive and disingenuous. Suntrust Bank has borrowed TARP funds, funded by people like myself, the taxpayer, and for Suntrust to insititute a policy of " no nsf credits" after an initial courtesy credit refund creates an undue hardship on a large part of your customer base, and in my estimation doesn't portray the " character" of Suntrust in a positive light. Kindly review DDA [redacted] and review my NSF's from June 29, to July 7 th. I calculated 468 dollars and considering the nature and positive profitability of my relationship with your bank, and the nature of where the funds used to bring account current were obtained, I kindly request that you reconsider your company's position and issue a partial or total credit for those charges. I will seek additional remedies up to and including filing a regulatory complaint on a state or federal level should this matter not be brought to a " good natured" resolution on the part of Suntrust. Thank you. [redacted]Desired Settlement: Kindly return $468 dollars in NSF fees.

Business

Response:

We have received and reviewed you correspondence forwarded

to us from the Revdex.com regarding overdraft fess assessed to your above referenced

account. We appreciate the opportunity to respond.You stated that, due to a personal event, you were assessed

$468 in overdraft fees between June 29 and July 7, 2015, and you requested a

refund of all or part of these fees. We reviewed your account and verified

there were no bank errors that occurred when assessing fees to your account.

Based on this information and that items were presented for payment against insufficient

balances, we have determined that the assessed overdraft fess are valid will

remain.Your August 28, 2015 statement ([redacted]) shows that since

the beginning of 2015, we have assessed a total of $1,476 in overdraft fees and

a total of $144 in returned item fees. As a courtesy, this year we have

refunded a total of $108 in overdraft fees and total overdraft and returned

item fee waivers of $72.00. Please note that no overdraft fess are assessed for

paid items under $5.00. for your review, enclosed is our Personal Deposit

Accounts Fee Schedule which is provided at account opening and on our website

suntrust.comWe understand how frustrating it can be when a personal

event impact your account and cause overdraft. As a suggestion, you may want to

set up Overdraft Protection, whereby a protector account is linked to your

transaction account to cover any shortfalls. Detailed information, including

any fees, about this service is found on our website suntrsut.com. You may also

monitor your account by using our Online Banking service and received Email or

Mobile Alerts when the balance gets too low or becomes overdrawn. Instructions for

signing up for these services are also found on our website and when using our

Online Banking service.

Review: I had been with sun trust bank for approx. 1 year. Recently lost my employment and activity on account dropped low. I regained employment and upon my employer direct depositing my check I find my account has been closed just days earlier. Was told by bank that they would have to recover the account and fees would be applied to my account. And my direct deposit would not be available for at least a week, so my check is floating in bank cyber space due to no account for it to go to. A week has past and no communication from sun trust. I personally go to the bank and I'm told they choose not to reopen my accountand check was sent to me with there fees taken and I would not get it for another 4-5 days. They held my check for almost 2 weeks and not even one letter to say we will be closing your account. I have called bank to talk to representatives and I'm told all are busy, they take my name and no# and no return calls. I am from Ohio and the practices of this bank is criminal.Desired Settlement: The remainder of my money from my pay check

Business

Response:

Re: Revdex.com complalnt [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: I filed a Fraud complaint with SunTrust, in Aug. 2014 concerning an account opened in my name while on a military deployment(dates: 08- 09). Case: [redacted] was open and assigned to investigator: [redacted]. I have placed two called to SunTrust since as to the status of the investigation, and have yet to get a solid answer or e-mail confirmation as to the status. I spoke with an employee name: Mark, who transferred me(upon my request) to manage: [redacted] which neither were able to provide a solid status. Both reported that the case has been closed, however, I haven't received an e-mail confirmation nor has the Early Warning System been notified of any closure.Desired Settlement: My simply request of SunTrust is to receive written status of closure or current activity of the investigation, so that the Early Warning system and myself can be updated.

Business

Response:

Dear [redacted]

We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding the status of our report to the Early Warning

System (EWS) of your fraud claim for the above referenced account. We appreciate

the opportunity to respond.

Our records show that the above accounts were only reported

internally and we removed that information on November 14, 2014. It takes 72

hours before EWS is updated. EWS records were updated November 18, 2014. Please

understand that while we are not aware of any, other external negative

reporting could have been made from another financial institution within the

EWS network.

[redacted], re regret that you were not satisfied with the

service you received when you contacted us about the status of this matter. Please

be assured your comments were forwarded to the appropriate management area. If

we may be further assistance, please don’t hesitate to call [redacted]

or visit any SunTrust branch. Our representative will be glad to help you.

Sincerely,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]

Regards,

Review: Contacted bank with a dispute with my credit/DBIT CARD informed was 920 unauthorized charge the bank which is my bank said they would place the funds back on my card and business would have to show validity of debt. I explained to bank there was no signature for my authorization as well it wasnt a debit charge. I was contacted today febuary 10th by suntrust to inform me they contacted the merchant and the merchant told them I said it was ok for charge. Well since I started the dispute and the bank is suppose to ask for signatures and proof of services or goods, which was done. I feel suntrust owes me 920.00. They did not verify any charges or make the merchant prove that I authorized the charge.

3 weeks ago I had to file a complaint with the bank as one of there employees was forging my deposit slips, I feel this bank is very dishonest. And owes me the 920.00 dollars I lost due to the neglagienceDesired Settlement: Refund me 920.00

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 on your records.

Review: I was promised a fee would be refunded, the agent did not credit it or note the credit. I asked that they listen to the call and the supervisor refused to assist and advise it didn't matter what the agent promised they would not follow through on her promise.Desired Settlement: The refund of 72 be completed as promised.

Business

Response:

Dear [redacted]:

We have received and reviewed your correspondence forwarded to us by the Revdex.com regarding fees assessed to the above referenced account. We appreciate the

opportunity to respond.

You indicated that you understood that you would he refunded a $180 Overdraft Fee that was assessed to your account on October 14,2014. You also stated that the amount refunded was half of that amount ($90 credited on October 15,2014).

Our records reflect that your available balance at the close of business on October 13, 2014 was $807.63. On October 14, 2014 there were two deposits credited for a combined total of $119.50. There were 63 Debit Card transactions totaling $993.71 presented for payment. These transactions were all authorized between

October 8, 2014 and October 13,2014. Six of the above referenced debits were paid against unavailable funds and your account was assessed $36 for each of

the five transactions that were over $5.00, for a total of $180.

Concerning check card transactions, once a debit card transaction is authorized, a hold is placed on the client's account reducing the available balance. Funds on hold for pending debit card debits cannot be used for other purposes even though the transaction has not posted against the account.

The transaction is not posted to the account until the merchant actually presents the transaction for payment to the Bank. Generally, it can take between two to

five business days for debit card transactions to be presented for payment and permanently post to the account. For this reason, clients must maintain accurate account records noting all authorized debit transactions, including pending and credits to determine their available balances.

[redacted], our review indicates the overdraft fees were correctly assessed. However, as you stated you were told that more fees that the initial courtesy refund of $90.00 would be refunded to you, we have refunded an additional $90.00 to your account on October 29,2014. This is to reflect a refund of all of the overdraft fees

assessed on October 14,2014. [redacted], you are a valued client and we hope the above information is helpful to you. If you have any additional questions, please call us at [redacted]. One of our representatives will he glad to assist you. Thank you for banking with SunTrust.

Sincerely,

Officer

Client Advocacy Team

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID[redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted].

Regards,

Review: I have been a longtime customer of Suntrust Bank, and recently, because of a fraud/hacking situation involving my Suntrust checking account, I became aware that an old money market account I had with Suntrust had been charged 255 dollars in maintenance fees over the past 17 months. In that same time period, that account had made 51 cents in interest. I can't remember why I had left that account alone for so long but never, in my wildest dreams, would I have thought that my longtime bank would charge me that amount of money in fees on a 3300 dollar account. I have had a fairly large amount of money in their bank for years and my understanding was that you didn't pay maintenance fees if you keep a certain balance. In trying to work this out, I called their corporate number a couple of times and was told I should go to a branch to work this out. I went to a branch and got absolutely nowhere. I was told I should have watched over my accounts better and that Suntrust was too busy to ever point out to a customer they may be incurring maintenance fees that don't make sense. To avoid anymore maintenance fees, on that visit, I closed the account and took that matter up again with corporate. Now corporate is saying that since I closed the account, they can't help me but....if I go back into a branch they might help me even though their branch gladly closed the account without advising me not to. It's clear to me that I'm being bounced around and misdirected by Suntrust with the hope that I might just go away and they, Suntrust, will get to keep the 255 dollars they took out of my account for absolutely no value returned.Desired Settlement: I would have been willing to work out a smaller maintenance fee but at this point, I think it would just be fair for Suntrust to refund the entire 255 dollars and apologize to a longtime customer who trusted them.

Business

Response:

Attached is the response. Responded to client by phone, offered to refund half of the fees ($127.50) Mr. [redacted] agreed to resolution Please close this case on your records.

Review: I have been banking with Suntrust for several years. On July 5, 2015, I made several retail debit transactions which all posted the same day. Two weeks later when I checked my statement, there were no longer any pending transactions from July 5, 2015. Those transactions were now in pending status again; something that has never happened before. When I called Suntrust for an explanation, the customer service representative could not offer any information. This has happened several times. I let the customer service rep know that as a result of not being able to explain what happened, I would be closing my account. When I called back to close my account, I had an overdraft. I let Suntrust know that I had a pending return that would help clear my overdraft and that I would be closing the account after it cleared. I told the representative that I did not want to incur any overdraft fees. He assured me that no overdraft fees would be posted to my account. I asked several more times as well as repeated what he said back to me so that it would be recorded on the call. Once again, he assured me several more times that absolutely no overdraft fees would incur on my account. After the pending return cleared, there was an overdraft fee. Today I am closing my account now that the overdraft has been cleared; however, a second overdraft fee has been incurred. When I called to get them to reverse it, per the representatives assurance, the new representative as well as her supervisor said that would not help me, despite what the representative assured me days prior. I reiterated what he said and they refused to reverse the overdraft fees. The customer service at Suntrust is atrocious and I would not recommend anyone to ever bank here. They have taken hundreds of dollars from me. They may get sued like [redacted] did and have to pay all of these people back. Especially since they are rearranging people's transactions.Desired Settlement: I would like two overdraft fees refunded to me for a total of $72. My account will be closed, so they can send me a check to the address on file.

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: Someone used my debit card number to make online purchases for EA Online totaling almost $400.00 . I had made purchases for this vendor is the past but never for this large of an amount. Suntrust blocked my card after these purchases were made, but did not call or email me to inform me of possible fraud activity. I had to call them to ask why my card was blocked and they informed me of the charges. Very poor initiative on their part. They then conducted a fraud investigation and determined that the charges were valid, when I did not make the charges and was out to dinner with my girlfriend when the charges were made. I have receipts to back this up. I filled a rebuttal form and they ignored it. I have been with Suntrust for over 13 years and am outraged by my treatmentDesired Settlement: Refund my account for the fraudulent charges made to EA Online

Business

Response:

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding SunTrust's decision to decline the fraud claim referenced above. I appreciate the opportunity to respond. Our records show that, on January 1, 201 6, we called and left a message for you to verify transactions from [redacted]. We did not receive a call back from you verifying the transactions. For this reason, a block was placed on your debit card. On January 3, 2016, you called to file a dispute for unauthorized debit card purchases from [redacted], and a case was opened for you. Provisional credit was provided In the amount of $310.87 on January 8, 2016. Our research indicated that you had participated with the merchant in the past, and the claim was denied. The provisional credit was debited from the account on January 21, 2016. A Rebuttal Form was sent to you on January 19, 2016; however, you have not returned the completed form. In addition to information contained in our records, we have researched your case again based on the information you provided. Following this review, our decision to decline the case will remain, as explained in the January 13, 2016, lener from our Fraud Assistance Center (copy enclosed). Mr. [redacted], I understand this is not the resolution you were seeking from SunTrust and regret any difficulty this situation may cause. Should you have any questions or new information regarding this case, please call our Fraud Assistance Center at 800.447.8994. A representative will be glad to speak with you. Sincerely, Seth A. M[redacted] Officer Client Advocacy Officer

Review: $1,000 was fraudently stolen from my checking account. No one at a local branch would help me and said I would be charged overdraft fees if "I" didn't get the problem resolved before my bills started paying out (from bill pay). I researched and contacted the name of the merchant ([redacted]) that the money was paid out to, and filed a fraud claim. They confirmed identity theft, stopped the transaction, and said they only needed a phone call from my back to deposit the money back to my account. I called the fraud division at Suntrust back (I believe they are in India) and requested the phone call be made. I was told they don't make outbound calls. Money has still not been credited to my account, which supposedly has fraud protection!Desired Settlement: $980 that was fraudently taken from me .

Business

Response:

Re: Everyday Checking Account ending in [redacted] Revdex.com (Revdex.com) Case [redacted] Dear Ms. [redacted]: We have received and reviewed your correspondence forwarded to us from the Revdex.com regardlng the unauthorized transaction that was debited from your above referenced account on January 22, 2015. We appreciate the opportunity to respond. Thank you for speaking with me about your concerns. We understand that we did not meet your expectations in this situation and regret any inconvenience caused. Your comments are very important to us and were shared with the appropriate management. Our records show that, on January 29, 2015, we set up Case [redacted] when you contacted us to dispute the transactions from [redacted] ($.52 and $980). On January 21, 2015, a credit to your account in the amount of $.52 was received from $krill, Inc. We issued provisional credit for $980 to your account on February 3, 2015. On that same day an electronlc/ACH credit to your account was received from [redacted]

[redacted] in the amount of $980. As a result of this double credit, the $980 provisional credit was debited from your account on February 4, 2015. With regard to Automated Clearing House (ACH) items, they are considered pre•authorized by the client Therefore, when they are presented to us electronically for payment by a company, they automatically post to the account number that is listed on the electronic transmission(s) sent to us. We honor ACH transactions in agreement with standard banking practices for handling such transactions. For this reason we encourage our clients to view their account transactions and report any discrepancies to SunTrust in a timely manner. The processing of fraud claims is in accordance with our Rules and Regulations For Deposit Accounts, Enclosed are pages 42 and 43 of our Rules for your review_ Our Rules are provided at account opening and on our website suntrust.com (see About Us-Fee Schedules--+ Deposit Account Disclosures). Ms. [redacted], we hope the information provided is helpful to you. If we may be of further assistance, please don't hesitate to call 800.SUNTRUST (800. 786.8787) or visit any SunTrust branch Our representatives will be glad to help you. Sincerely, [redacted] Client Advocacy Team

Review: On November 3, 2014 I responded to a mail offer from SunTrust Bank re: transferring credit card balances. I called to get more information as the mailed offer did not include all the detail. I spoke to a representative and was very clear that I was only gathering information. She assured me NO action would be taken without my authorization. She told me she would call me back after sending my information to underwriting for review. She did call back, however the call went to voice mail. The voice mail was garbled and I could not understand what she said. On December 3, 2014 I returned from visiting family for Thanksgiving and found that SunTrust has issued a "check" in the amount of $9,000 to my [redacted] credit card - an amount that far exceeded what I owed [redacted]. In addition SunTrust charged me $360 in transfer fees. I called SunTrust immediately and advised them I never authorized that transaction. I spoke with [redacted]. [redacted] transferred me to [redacted]. [redacted] advised she would research the issue and someone would call me within 24 to 48 hours. On December 4, 2014 [redacted] returned my call. She stated upon review of the call the SunTrust representative was "unclear" with me about the process. I continued to maintain I never authorized the transaction. [redacted] kept telling me their representative should have been more clear. [redacted] offered to see if she could get the transfer fee waived. I told her that was fine, but I wanted the entire transaction reversed. She said they could not do that. The call with [redacted] was on speaker phone as I was driving at the time - my adult son overheard the entire conversation. [redacted] told me she would get back to me if she was able to waive the transfer fee. No one contacted me after that. I called again on December 9, 2014 and spoke to [redacted]. [redacted] advised [redacted] was not working that day. He then transferred me to [redacted]. [redacted] maintained there was nothing I could do - that by simply calling in and requesting information and agreeing that their representative could send my information to underwriting that that constituted authorization. She told me she could not advise about waiving the transfer fee. At that time I instructed [redacted] to close the account they had opened without my authorization. She closed the account. I then called [redacted] Bank, which is the account SunTrust issued a $9,000 check to. The [redacted] representative advised that reversing the $9,000 transaction from SunTrust was a simple fix. She said SunTrust simply had to contact [redacted] bank and reverse the transaction. At that point my original credit card would be returned to it's state prior to the SunTrust unauthorized transaction. SunTrust still maintains they cannot reverse the transaction. They also advise they cannot provide to me a copies of the recorded conversations so that I can listen to them and determine at what point they feel I did authorize the transaction. The [redacted] Bank representative advised it is their policy to get authorization 3 separate times and make certain the customer knows exactly what they are agreeing to.Desired Settlement: I want SunTrust to reverse the unauthorized transaction. I want all fees they charged me to be eliminated. I want my [redacted] Bank credit card restored to the exact amount it was prior to the $9,000 SunTrust check being issued. It makes NO SENSE AT ALL that I would have authorized a payment that would have increased my debt when the reason for my initial call to SunTrust was to determine if I could reduce my debt. Prior to their $9,000 transaction and their $360 in transfer fees I was only about $8,000 in debt. How much sense does it make that I would agree/authorize even more debt in my name.

I had a stroke in 2007 that has left me 100% permanently disabled. I make no major financial decisions without consulting my financial assistant and certainly would never have made this decision without having her verify the numbers. I live on a very fixed income. I struggle now to make medical payments much less stay on top of my credit card debt.

I believe SunTrust took advantage of my disability and are refusing to reverse their transactions because they don't think I have any recourse.

I hope you can be of assistance.

Business

Response:

Re: Rosemary [redacted] Revdex.com Case: 10341642 We responded to Ms. [redacted] by phone on January 2, 2015. If you have any questions about our response, please contact Ms. [redacted]. Sincerely,[redacted]Executive Services?

Review: I havebeen with this bank for years and they have denied me me credit and otnher services because I am in a state where there bank is not located . theu have charged me almost thosands of dollars in overdraft fees and returned item fees . What does this bank do for me my purse has been stolen and they are still aloowing checks and payment to come thru my account from merchants the only thing that surposed to be paid out of my account is my dential bill and they where surposed to contact me about other things . this bank steals from the consumers they deny credit cards even though you have constancty paid the bank back the money and they refused to give me any benefits because there bank is not located in texas what kind of mess is this they never pay nothing and keep taking my my money they have taken thousands of dollars and what have I gotten nothing just my money taken and excuse for why I can't build credit . because I am out of state .Desired Settlement: Stop stealing my money and giving me poor and services. Stop making excuses and stop taking out fees and eatting my money when your bank does not p[ay nothing and stop half assing your jobs. I have been a good coustmer and I can't get credit cards or loans because I am in a state where your bank not that stupid and pay more attention to what you are doinf your banking services are currpited you steal from the custmers and get alway with it other banks don't charge extra for going over and you do . I am going to the federal trade commission on this pratice of extra charging .

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: My acccount was not properly credited so my credit report went down because of it. Once all the proper information (cashed checks copies) was sent over to Suntrust I was notified by mail that they would fix the issue on my credit report within 10 days of the date on the letter. Only [redacted] was fixed and that was on 3/8/2014. It has since been past the 10 day period for [redacted] and [redacted] to be fixed and they haven't been fixed yet.Desired Settlement: I would like for [redacted] and [redacted] to be notified and to be fixed so that it doesn't look like I was deliquent on payment when I was not.

Business

Response:

Dear [redacted]:
We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our credit reporting of your above referenced account. We appreciate the opportunity to respond.
Our records reflect the account was updated on March 6, 2014 to request that all delinquencies be removed. In our letter to you dated march 4, 2014 ([redacted]) we stated it may take between 30 to 60 days for the credit bureaus to which we report to update your records.
[redacted], we hope the information contained in this letter will alleviate any further concerns. If you have any questions or need further assistance, please contact our Credit Bureau Dispute Department at [redacted]. A representative will be glad to help you.
Sincerely,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]

I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].

Regards,

Review: I was very excited that I was able to purchase a car with the help of SunTrust Bank. I was considered a loyal customer. I began receiving letters from SunTrust thanking me for my services. I was offered an opportunity to skip a payment as away of thanks for being a good customer, so I decided to skip a payment. I was told to put the payment stub in the back of my payment book, and I only had to pay the interest. I was offered this opportunity twice. Next, I was laid off from my job, so I was given two more opportunities to skip two payments. I had to also pay the interests. I was barely making enough money, but I was able to make my payments. As I gotten closes towards the end of my payments I started receiving calls about opening a new account with SunTrust. A month before the ending date of my car I was awakened by a man trying to haul my car off because I had fallen two months behind in payments. I never received a letter from SunTrust regarding a default on my loan. When I called SunTrust I was told that the letter had never reached me, it was returned to the office as non-delivered, so it was still my responsibility. I managed to get my car back next day. I had to pay an extra fee. Then I received a letter from SunTrust congratulating me from completing my payments. A week later I received a statement from SunTrust informing me of an outstanding balance of 3500.00. The statement was showing that I was behind in my payments. I didnt understand what was going on because I was offered in the beginning to skip payments, so why was the statement showing me being behind in my payments. I didnt understand the statement, so I called SunTrust bank and I spoken with a representative from collection. He told me that I had a hundred and some days to pay off my balance and my account was being charged eighty-six cents per day. They didnt tell me in the beginning that I had to pay the whole 3500.00 dollars off in one payment. I thought they were going to extend my payment arrangements. If I was told in the beginning I wouldnt have skipped any payments when the bank offered me too. The statement had a past due payment amount and it also stated that the current payment amount. I was told that as long as I made my payments I was ok because as long as I dont go over one hundred and some days. A week later I made a payment of three hundred dollars within the same week a representative from SunTrust came to my house and left a notice on my door stating that I had 48 hours to contact the bank. I called the bank that Saturday. I spoken with another representative. She also stated the same thing about the one hundred and some days. She told me that I had a balance of 3577.23. I asked her what happened to the three hundred dollars that I paid on Monday. She stated that the payment was showing. I asked her why my balance didnt go down, she didnt know. The same day I spoken with my husband, so we were able to get a loan to paid off the balance. When I called the bank to get a payoff balance I was told that my payment was still 3577.23. I had questioned the representative about the balance. She wasnt able to give me an answer. On July 15, 2012 I received a statement in the mail. The noticed had that I owed 347.70 in late charges. These charges were not shown on the previous statement, so were did these charges come from. It seems like I was being robbed out of $300.00. Then I received a notice on July 16, 2013 stating that I had until August 1, 2013 to pay off my car or it would be taken, so what happened to the one hundred and some days. I felt like I was being robbed by SunTrust because I had paid over twenty-nine thousand dollars for my car and SunTrust was stealing my care from me.Desired Settlement: I would like to receive a refund of $300.00 that was not used toward the balances as well as the $47.70 that was charged extra towards 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 in your records.

Review: I applied for a credit card after a customer service rep in my local branch told me I was preapproved for a card with no annual fee, no interest for a year and a 20% deposit bonus on cash back purchases through the 12/31/14. I called today to clarify what qualifying purchases was as I was considering using the card to purchase an appliance. Much to my dismay, I find I have a [redacted] "you have to pass the bill to see what's in the bill" type of credit card.[redacted], the CS rep told me that 1) my account didn't show the 20% bonus availability even thought the info that came with the card showed that benefit. 2) she indicated that the bonus was only good if used at a participating merchant. The kicker is she could not provide me with a list of participating merchants. I had to ask the merchant at point of purchase if they participated. I called 3 local stores that are nationwide chains and a local but well established store and no one knew anything about this.[redacted] suggested that I use the card and I could file a claim after if it didn't work as promised. That is not acceptable to me and isn't a sound financial option. The fact that Suntust cannot provide me with a list of merchants is ridiculous and deceptive.Desired Settlement: DesiredSettlementID: Other (requires explanation)

It appears the this prequalified, wonderful offer is not usable for reasonable purchases. I suspect my best option is to cancel this card before it is ever used and request that Suntrust marks this on my credit report as their error and provide me with a copy of my credit report on a monthly basis for the next year. If my score drops from its current excellent rating, I expect SunTrust to correct reporting so I do not suffer any adverse credit r

Business

Response:

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

Consumer

Response:

I have reviewed the offer made by the business in reference to complaint ID 10338738, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I have not heard from Suntrust as indicated in the fax. I do not want the complaint closed until I have received their response and had time to consider. Thank you for your assistance.

Regards,

Review: I faxed a business credit card increase on business letterhead to Suntrust on 11 Nov 2014 and called twice to verify the fax number. I was given [redacted] and I kept a copy of the fax confirmation. I was told I had to wait 5 business days for it to process. I called on 20 Nov and asked about my request and told they don't have the request, and that it was the wrong fax number even though a Suntrust fax. [redacted] indicated she would call me back and said she would locate my request and track it down. No one called. I called on 21 Nov to the same number and told to fax my request to [redacted] by [redacted] who thought it was funny and told me I had to wait another 5 business days. I faxed my request to the new number given [redacted] and requested they track down my original fax with my personal business information. I was told I would be called back but did not receive any call. I contacted the Suntrust via email and voiced my concerns and asked to speak to a supervisor. I was given the phone number of [redacted] at [redacted] and spoke to her who said would take care of it and call me back. To date I have received no call back from this bank and put on hold for over 10 minutes every time and finally told no one is available to help me. This bank advertises it is there for small businesses but it seems to be a complete lie and no one even responds back and seems to care in the least bit. I fell I have made a grave mistake doing business with this bank and I am looking for other banks now who possibly can provide any kind of service for my company. This is the worst bank I have ever seen. I am extremely upset with the lack of accountability of my personal information and absolutely no customer service.Desired Settlement: I think they should be made financially liable for their actions with having no accountability with my personal information and incompetence and Zero customer service for a small business. Other small businesses should be made aware that this bank does not provide the service that other banks can before committing time and resources doing business with them. To date no one has called back to me with any status. The business credit card does not even give an accurate accounting of the credit card, it is the most horrible thing possible a business could choose to use.

Business

Response:

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

Review: : Hello I have been looking for someone ANYONE who would be able to help me and my 11 year old son. Two years ago we lost his dad ( my husband) to pancreatic cancer. We had no life insurance or anything! My husband was only 39 and at the time I was only 30. It has been a difficult time to say the least. I some how got through it and my son and I struggle with dealing with his loss everyday. If things couldn't get any worst the social security my son and I draw from my husbands passing has been basically taken for the last five months! Due to overdraft fees and a unauthorized purchases from my debit card. I banked at Suntrust and this matter has gotten so out of hand. I signed so many affidavits from the bank and called everyday and I have every email I sent but Suntrust had denied my claim. I have had my electric, water and other things cut off due to the lack of funds because Suntrust would not help me with my problem! My blood pressure was 140/120 the other day ! Not

good! Suntrust has ruin my last six months, I have talked to so many customer service reps there is no wonder I never knew what really to do! I want my son and myself to get the money we are owed. The last lady I talk to Kathy Bowels who later toll me my case was denied again after I sent a complaint to the federal reserves. She was nice at first but These people have no compassion! They don't seem to understand how much money they have taken from me! I would really like to speak to someone direct so I can explain exactly what they did to my son and myself! I'm about to lose my car over all this I am so behind. My child didn't get Christmas this year! I'want my money back ! My husband worked his whole life and it's not to support Suntrust ! 1900.00 alone is insufficient funds! It's basically over a merchant that I used over a year ago decided one day to starts align funds out of my account.suntrust promise me they would credit and take care of me and never did they took 4000.0 1/2 is insufficientDesired Settlement: This is what my son and I live off of. This has been going on since August and here it is January! That is how long I have been dealing with this bank. I really need my money back they have caused all sits of problems for me ! I called them every day !!!! No one would help me

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 on your records.

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 am not satisfied at all with this outcome . In no way did they ever try to help me get this mess solved. They continue to lie and tell me all was well and it resulted in overdrafts and water and electric being cut off because they would tell me the steps I needed to take to get the merchants to stop taking money from my account. This money is from my husband who passed away two years ago from pancreatic cancer. It is to support my son and myself. It's all we have its his SSI! I know I might keep saying that but in the end they (Suntrust)made over $2500-3000 in insuffesunt funds alone over my husbands death and left me and my son not knowing what we were going to do. I called everyday. Then I talk to Kathy [redacted] she tells me a simple NO I won't be receiving one dime back ! I ask to speak to the President of the Bank! Do I not have that right? He has my money! She gAve me a false number just to get me off the phone! I have never in my life seen such greed and disrespect and lack of compassion in my life! I hate what this world had came to! You are stealing from a widow and a child! We all will answer one day for what we do here on earth! I mean it blows my mind. All I wanted is what was ours. I don't plan on giving up!

Regards,

Review: As a long time customer of Suntrust Bank ,I feel certain you would want to know that on November 11,2014 that I was very displeased with the service that I was given,when I called customer service about my account .I ask the person why was my account in the red zone. She the said that I had some item to come out my account at this time I was very upset about the fees that the bank had place on my account..I then explain to her that on Monday November 10,2014 that I could not get on the Suntrust Mobile Bank to make a check deposit for a 100.00 dollars to my account .because the app was not working and I also told her about the cash deposit that I made for 61.00 dollars and the that I had made for a 100.00 dollars on November 8,2014. I also told her that I listen everything that had came out my account and that I only had one check out for a 150.00.So if on November 10, 2014 I had 12.00 dollars in my account and I made a cash deposit of 61.00 dollars and at the same time if the suntrust mobile bank was up and running like it should have been my check deposit for a 100.00 dollars would have been in my account then I would have had 173.00 dollars in my account so the check of 150.00 came out I then should have had 23.00 dollars in my account not a -148.00.I felt that I was treated with the worst customer service and to top it all off the I ask the person that was over her and she came to the Phone and made me feel like I was nothing to her I have never felt so hurt and push to the side.I would never treat a customer that way..Desired Settlement: I feel the SunTrust Bank should train the peple that they place in Customer Service much better then they have.Because some of them give customer the wrong informationI only thing that SunTrust can do for me is to give me my money back and a apology .Thank You for looking into this matter [redacted]

Business

Response:

We have responded to [redacted] by letter on November 25, 2014.If you have any questions about our response, please contact [redacted].Sincerely,[redacted]

Review: after I deposited my payroll check into my suntrust account friday at 6:30p est the falowing morning Saturday the 12th I tried to use my card to buy a cup of Coffey for 1.25 I my card declined. so I called the back and was told my account was closed with no reasons to why.

I was also notified that I could not access any of my money. I have a pending rent transaction and absolutely no money for my family of 5 including a 1yo son.

I rent to the branch on 3649 West Oakland Park Boulevard

Lauder-dale Lakes, FL 33311

the Branch Manager refused to give me a clear understanding of why my money is being held and called the police to help me leave her branch.

it is not fare and inhumane to hold someones livelihood for 3 days with no reasons and no way to take care of his family.

I did nothing wrong and for whatever reason this back stole my money.Desired Settlement: I would like banking policy to change if a bank is open on a weekend so should all its departments or dont open at all.

I would like My Account, My Money and any interest that the may have earned from my money.

I would like a written apology from that bank manager.

I would like some form of compensation for going the next 3 days with absolutely no money.

Business

Response:

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to us from the CFPB and the Revdex.com regarding SunTrust's decision to close your above referenced account. I appreciate the opportunity to respond. As we discussed during our telephone conversation on December 18th, we reviewed the matter again and the decision to close your account was reversed. Access to your funds was made available to you on December 19, 2015. Mr. [redacted] , I apologize for any inconvenience this situation may have caused . Should you have any questions, or concerns regarding your account, please do not hesitate to contact us via your Online Banking Profile, call us at 800.SUNTRUST (800.786 .8787) or visit any SunTrust branch. A representative will be glad to assist you. Sincerely, Sherry [redacted] Vice President Client Advocacy Team