SunTrust Bank

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 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 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: I applied for a checking and savings account around the end of November early December. there was a $50.00 minimum deposit for the checking account in which I applied to open the checking account that I was "approved for". I applied $5.00 into the savings account. From that point I receieved massive emails referencing my New account with Suntrust bank and also set up my online banking.

I then received my ** debit card, in which, I called to activate. I was advised by a gentlemen to contact suntrust bank for they are unable to activate my new debit card.

I then call a sutures representative in which they advised that Suntrust bank terminated the services for it appears as though there is more than one account. She advised the account ending in [redacted] would be closed and the other account I applied funds into will reissue another debit card. After some days I tried to log into my Suntrust banking to check on my available funds it would not allow me to login. Called Suntrust and advised now that they have terminated my services. I advised the rep that I still receive emails regarding my account?(in which I still receive today. ) she stated that she does not have the reason why they terminated my services and that my $55.00 I should receive back within 30 days. It has been 30 days. I have not received my funds back. I still receive email regarding a non existing "New Account" that has been terminated. I received a missed call in early December from [redacted] with Suntrust bank at [redacted]. Who I have called back several times left voicemails for a call back... But of course I haven't heard back from her. I believe she called in reference to the feedback questionnaire I filled out and stated that the service was not the best.

I want resolution. I would never refer anyone after this unnecessary mess. If I was not approved they should have advised that during the application process. I want MY Money back immediately. Almost two month for my money back is ridiculous don't you think?Desired Settlement: Desired outcome is for my $55.00 to be returned immediately. Also to STOP emailing me about my "account" that was terminated over a month ago!!!

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: On April 18 2015, at 10:53 I went to Suntrust bank at the list address ([redacted] to withdraw $2,600.00 (all in $100.00 bills) out of my business account, and then went to Bank of America to deposit across the street the exact amount ($2,600) given to me by the teller at Suntrust Bank. When the teller at Bank of America run the money through the money machine, a $100.00 note was detected by the machine as fake and teller refused to accept that note. She then said it was a federal offense so official a counterfeit report needed to be generated. I said to her that I couldn't afford to loose $100.00 within five minutes of bank transactions, so she called the manager at Suntrust, and he instructed them to give the money to me in an envelop and he will refund me my money and address the counterfeit issues as well. I then took the "Fake money" back to the Suntrust Bank and the manager rudely refused to give me my money back. He exhibited a very rude customer service approach/behavior and never really address the problem. I walked out without my money ($100.00) and/or how this issue would be addressed. Out of my disappointment of the service received from the manager at Suntrust and the teller I said in my conversation that I am doing to close all out my account with the bank, and by the time our conversation was over the manager had printed out a cashier's check out one of my account (closed he said). The manager did nothing to resolve the issue nor tried to retain my business, I find that very intriguing for a for-profit-bank.Desired Settlement: I need my ($100.00) bill refunded and the counterfeit money issue investigated. Might be helpful if the Manager at Suntrust Bank take a customer relation class and behavioral class.

Business

Response:

Re: Revdex.com complaint #[redacted] SunTrust has responded to our client and resolved the dispute.

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: 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: 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: 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: In 2011 a vehicle loan was set up through SunTrust with the understanding that it would be an easy, smooth transaction of funds to pay the loan each month. An allotment of $618 was set up to automatically pay the loan each month, and each month that amount was automatically transferred from my payroll ([redacted]) to SunTrust. Unfortunately, throughout the years SunTrust provided conflicting information that caused not only has caused us hundreds of dollars in fees, but damaged our credit scores.

When the loan was initiated, SunTrust informed us that we needed a SunTrust checking account to have the allotment funds automatically pay the loan, and thus, we did the same. Throughout the year we received numerous conflicting correspondence, one stated to call them due to non-payment on the loan, and the other stating there were sufficient funds for the loan payment. After calling, we were informed that we did in fact have funds available in the account and that money was being sent to the account. Last year my wife called the loan department who informed her they were unable to determine what the checking department did, but that the funds weren't being automatically sent to the loan, and instead was just sitting in the checking account. This loan representative set up the account to be drafted automatically and informed my wife that it should resolve the problem. Now, a year later, after multiple military relocations, we received more letters and a visit to the [redacted] SunTrust revealed that an attempt to repossess the truck was made and we were charged a fee. The representative at the branch informed us that late charges were being charged on the loan side, and overdraft fees on the checking side because the loan was not set up as autopay as we were informed us. The [redacted] branch reconfirmed that we did in fact need a SunTrust checking account for the loan to be funded through autopay; however, the loan department informed us it was not required.Desired Settlement: We want SunTrust to reconcile the hundreds of dollars in fees and assist in repairing our credit damaged by their mistakes, inefficiency and incompetence.

Business

Response:

Dear [redacted]We have received and reviewed your correspondence forwarded

to us from the Revdex.com regarding assessed fees on your above referenced accounts

and our reporting of your loan account. Thank you for speaking with me about

your concerns. I appreciate the opportunity to respond.Your retails installment sale Contract which you and **

[redacted] signed on May 14, 2011, shows that you agreed to make 72 monthly

payments of $617.87 beginning June 28, 2011. You opened the checking account on

June 22, 2011 for deposits to be credited from your military allotment and for

payment to be drafted to pay the loan when you enrolled in SurePay, our automatic

payment Program. [redacted] is a copy of your signed authorization dated June 30,

2011. Also [redacted] is a copy of our letter dated July 11 ,2011 confirming the

first payment would be deducted from your checking account in July 28. 2011.Unfortunately, time was not allowed for the military

allotment deposit to be credited before the June 28, 2011 payment. The deposit

must be in the checking account at least 24 hours prior to its withdrawal. Because

we did not receive the June 2011 payment by the due date, we assess a $30.89

late fee to the loan account. The first payment credited to the loan account

was on the July 6, 2011, which satisfied the June 28, 2011 payment. The SurePay

draft was credited to the loan account on July 28, 2011, and returned to the

checking account for non-sufficient funds (NSF) because your [redacted] allotment had

not been received. A $25.00 returned check fee was assessed to the loan account

on that day. SurePay drafts were rejected due to non-sufficient funds in the

checking account on August 1 and 31, 2011 and no November 9, 2011, with $25.00

returned check fees assessed each time. On November 9, 2011 you were notified

that the SurePay was cancelled due to the returned checks ([redacted]).[redacted] are copies of the checking account statements for July

2011 through August 2012. Also [redacted] is a copy of your payment history. The loan

history shows the payments were 30 days late 20 times and 60 days late four

times. Based on this information the reporting of the account is accurate.As of the date of this letter, your loan is paid through August

2015, with a partial payment towards the September 2015 payment. Please contact

our Collections Department at [redacted] to make arrangements to bring your

loan current.[redacted], we hope the information provided is helpful to

you. If you have any questions or need further assistance, please do not hesitate

to call [redacted] or visit any SunTrust branch. Our representatives will be

glad to help you.Sincerely,[redacted]

Review: I received a $100 SunTrust Visa gift card from my employee as a Spot Award for excellent performance on a proposal. I was excited to receive this award, and I decided to use the funds to make a purchase from [redacted] on 7/24 in the amount of $100. I received multiple notes from [redacted] that the request for $100 from SunTrust was being rejected for insufficient funds even though I had registered by card on the SunTrust website and could see that $100 was still available. On August 10th, I spoke to a representative from SunTrust who told me that while the total was $100 that the hold on the account was running through as $115 dollars. That representative as well as one later in the morning both said the extra $15 was a result of a 15% hold associated with the merchant as set up by Visa. I was on the phone with the [redacted] representative when she called both Visa and SunTrust after these 2 calls. First, Visa confirmed that there was no reason for holds beyond the purchase amount to be going through based on their merchant information. Second, she called SunTrust which now said that it was the SunTrust system that was putting on the extra 15% hold because it was an online or phone purchase which completely contradicted my initial 2 calls blaming [redacted]. The representative said if I wanted to use anything beyond $85 of my $100 card I would have to use it somewhere else. I called myself after this call and asked to speak to a supervisor to resolve this issue. I was told I would get a call back in 24-48 hours. After 50 hours, I called back 8/12 and was told by a supervisor that there was nothing I could do even though their terms of service for the card only reference holds beyond the purchase amount for gas stations, hotels, and restaurants. I asked what I could do to use the full amount of my card, and she said there was nothing I could do unless [redacted] would put in an amount that with the 15% extra hold would equal the remaining balance on the card.Desired Settlement: I have used $85 of the card, and [redacted] was incredibly gracious in working with me to put the remaining balance on another card. I want my remaining $15 sent to me immediately to use in paying off this amount on my own personal credit card. I also would like an apology to myself and to [redacted] for lying to me and blaming them for the issues that were obviously the fault of SunTrust. The issue with the authorization hold is in no way relevant to this transaction based on the below information from the SunTrust website with FAQs on their gift cards:

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: on my august 2015 Suntrust credit card statement I was charged a late fee of $35 and my payment had been made on line on the due date of 8/16/2015. Since 8/16/2015 was on a sunday suntrust did not post my payment until 8/19/2015 so they charged me that late of $35 .I called and spoke witha rep. and aked why my minimum payent due was higher and she said it include a $35 late fee. So I explained my payment due had been paid on time on line. She then researched and saw where the payment had been made and I was advise the $35 would be removed and and I only had to pay the regular minimum payment of $56. Since this occurance I have been getting phone call and reoccuring late fees of $35 even though I am paying my bill on time. I have spoken to [redacted] in research, the supervisor named [redacted] and several other people there to no satisfaction. They finally credited the $35 from august but added a late fee for september the n the credited that now they have added a late fee for October. This all started back with the August statement and the misinformation that was given to me,, however [redacted] was suppose to have taken care of this and it is still occuring and now the are showing I have late fees totaling $70 when I do not since my minimum payment due of $56 is always paid on time, How do I get this cleared up?Desired Settlement: Adjust my bill to show the correct minimum payment due. and take the negative reporting off my credit

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.

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,

I have not received any response from the company

Review: I have been a suntrust customer for years. I just used the online bill pay option available to me. Suntrust guaranteed that my payment would be delivered by check to my landlord in or before the third of the month. The check that they sent was not delivered until the fifth. On the third of the month I had suntrust call my landlord with me to explain that I had set things up correctly but it was suntrust error in not having the check to him by the GAURANTEED delivery date. At that time the suntrust representative told both me and my landlord that they would be paying the late fees associated with not having the check to him by the third or the GAURANTEED DELIVERY by date. Since then I have contacted them many times to be told I would receive a call, but still have not been contacted. I called suntrust again today and was told they would not pay the late fees. Their customer service has been horrible throughout this situation. My problem is they did not live up to their GAURANTEE and their promise to take care of the late fees. This is not acceptable. When did the meaning of GAURANTEE change? I understand I am only one person and they don't have to value my business but a gaurantee is something they should be bound to especially in the banking business. Please help me. They have told both me and my landlord that they were responsible and that they would take care of their mistake. Please make them accountable for their actions and promises.Desired Settlement: They should pay the late fees associated with the payment not received by my landlord on the GAURANTEED delivery date, as suntrust told both me and my landlord on the third when is was promised

Business

Response:

Dear Mr. [redacted] : We have received and reviewed your correspondence forwarded to us from the Revdex.com regarding our Online Banking with Bill Pay Service and the scheduled payment to your landlord that arrived late. I appreciate the opportunity to respond. When you visited suntrust.com to establish Online Banking with Bill Pay, you agreed to the Online Services Agreement (see Personal Banking~Banking -;:::t~Online Bill Pay--+Online Banking Service Agreement). In accordance with the terms and conditions of this Agreement (pages 9 through 11 enclosed), listed under (c) Bill Pay Service Guarantee, "The Provider will bear responsibility for any late payment related charges up to $50.00 per payment, should a payment post after its Due Date as long as the payment was scheduled in accordance with the guidelines described under "Bill Payment Scheduling" in the Agreement." Please keep in mind that, when scheduling payments, you must select a scheduled payment date that is no later than the actual due date reflected on your biller statement. Scheduled payment dates must be prior to any late date or grace period. When your landlord was contacted, he advised us that the actual due date for your rent payment is the first day of the month. You scheduled your rent payment for November 3, 2015, which was after the November 1, 2015 due date. For this reason, the bill pay guarantee is void in this instance. Based on this information, we respectfully deny a refund of late fees. Mr. [redacted], although this is not the resolution you are seeking, we hope the information provided is helpful to you. If we may be of further assistance, please do not hesitate to contact us via your Online Banking Profile, call 800.SUNTRUST (800.786.8787) or visit any SunTrust branch. Our representatives will be glad to help you. Thank you for choosing SunTrust for your banking needs. Kathy B[redacted] OfficerClient Advocacy Team

Review: The problem is the banking industry practice of reordering transactions. This bank processed a large transaction on 12/28/2015 and moved all of the transactions that I made on 12/24/2015 behind the larger one so that I would end up with multiple overdrafts. Whe nthey changed the order that the charges were mad it cused me to have $245 in overdraft fees.Desired Settlement: A refund of ALL overdraft fees

Business

Response:

Dear Mr. [redacted]: We have received and reviewed your correspondence forwarded to us from the CFPB and Revdex.com regarding the posting of items and overdraft fees assessed to the account referenced above. We appreciate the opportunity to respond . Our records show that, on December 28, 2015, 13 items, totaling $1,031 .02 were presented for payment against ·a balance of $822.97 in your account. Given that there were not enough funds to cover all of the items, you were charged six overdraft fees. On December 30, 2015, a debit card transaction was paid, causing another $36.00 overdraft fee. The account remained overdrawn for five consecutive business d~ys. For this reason, on January 4, 2016, you were charged an extended overdraft fee of $36.00 (statement enclosed). Based on this information, we have determined that these fees are valid. However, as a courtesy, we refunded three of the fees totaling $108 to your account. This credit will reflect on your next statement. The posting order of your items is in accordance with our Rules and Regulations For Deposit Accounts. Enclosed ar(! pages 16 and 17 of our Rules for your review. Our Rules are provided at account opening and on suntrust.com (see Banking-+Overview Guides and Disclosures-+Deposit Account Disclosures). In order to decrease the chances of this happening again, please visit suntrust.com, where you will find helpful tips on how to manage your account and avoid fees (see Banking-+ Overview Guides and Disclosures-? The Facts About Banking). You will also find useful information about our overdraft services and how to monitor your account activity when the balance gets too low or becomes overdrawn by setting up email or mobile alerts. You may also want to set up Overdraft Protection, whereby a protector account is linked to your transaction account to cover any potential shortfalls. Detailed information about this service is found on our website (see Personal Banking-+Checking Account Features-? Overdraft Services). Instructions for signing up for Overdraft Protection and setting up email or mobile alerts are also found on our website. Mr. [redacted], I hope this information is helpful to you. Should you have any additional questioris 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. Thank you for choosing SunTrust for your financial needs. Sincerely, Sherry [redacted] Vice President Client Advocacy Team

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: 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.

In May of 2015, I entered SunTrust Bank to open a saving's account. Less than two weeks later, an employee of SunTrust, Armani T B[redacted], texted me on my personal, private line, and asked if I had a few minutes to talk. Thinking that it was bank-related, I said yes. Mr. B[redacted] then called me and explained that his "Family refused to help him anymore," and he "Couldn't go to his friends for help." Mr. B[redacted] then ASKED ME TO LEND HIM MONEY. I filed a complaint with SunTrust and was an email to someone in India. After posting my grievance on social media, I was contacted by a Mr. Mark K[redacted] and assured that the situation would be handled. After two months of hearing nothing, I had to file a federal complaint after which he called again. He informed me that out of respect for the EMPLOYEE'S privacy, he could not tell me what disciplinary action, if any, was taken. Keep in mind that Mr. B[redacted] had my name, address, date of birth, social security number, drivers license number AND account number but SunTrust chose to protect HIS privacy. Beyond the pale to say the least. After receiving nor further communications from SunTrust (the proverbial blowing off), I took my story to the local media. See link: https://www.youtube.com/watch?v=geYJ0QBG2eU and am in the process of scheduling an interview with a National News carrier. As you can see (and much to my surprise), at the end of the news report, the reporter states that at the time of airing, Mr. B[redacted] voicemail stated that he was STILL EMPLOYED AT THE SAME BRANCH. Whether you're a current customer of SunTrust or someone doing research prior to opening an account with them, I offer the following. Buyer beware.

Review: I made an ATM deposit at a branch in the early afternoon 2 days ago and have been given only the run around on when my check deposit will be available. Their own "Funds Availability Policy Disclosure for Deposit Accounts" refutes all information I've been given as to the time period I must wait for my check from my insurance company to the sum of ~$1148, which they're claiming is an entire week from the day of deposit. I have called the corporate office a few times, called the branch office, and even gone to the branch office all to no avail or clear explanation. I was told if I had submitted the check INSIDE the branch, as opposed to the ATM, the result would be different?! That's obsurd. It should be the SAME, regardless of place of submission. There is now a HOLD on the ENTIRE amount of my deposited check, refusal of a partial release of any kind on my account until 5 more days from now.Desired Settlement: I would like my funds IMMEDIATELY released for my own use. Not for my purpose of being held by this bank. And an apology of their "Customer Service" representatives misrepresenting their own policies and procedures.

Business

Response:

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

Please close this case on your records.

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: According to the bank the transactions below were good at the time of purchase

Feb 24 CVS 10.91

Feb 24 Finchers 13.70

Feb 24 Water Authority 32.90

Feb 25 Family Dollar 18.53

Feb 26 Avant 265.06 posted but was insufficient

We were charged 36.00 per item for the above transactions. The only one that should have been charged 36.00 was the Feb 26 item.

The transaction below was also made but no fees have been charged.

Feb 25 Ga Lottery 20.00

Feb 25 CVS 10.00

Total fees charged were 144.00

Feb 26 my pension check for 315.00 from the State was posted.

I have been with Suntrust for over 30 years. I also worked as a Security Guard for 12 years at Suntrust. Suntrust stole 144.00 of my money. I should have only been charged 36.00 for one overdraft fee. The money was there when those transactions were made using my debit card. When I spoke to the supervisor she said they post the larger transactions first even if it came in at a later date. The is very unfair and a crime.

My wife has had ([redacted] for 2 years and her abilities are limited. We have been struggling medically and financially since. We are both retired and already on a fixed income.

Please help us.Desired Settlement: Return $144.00, These transactions were made with money in the bank. I should not have been charged with an over draft fee of $36.00 each. I used my Debit card and the charge should have been posted then. It seems I should have taken my money out from an ATM machine instead of using my Debit card. I even had a deposit of 315.00 made on the 27th . I spoke with a supervisor by the name Denise at 8007868787 with no help. She said they had helped me before and they couldn't do that again. I'm a Retired Police Detective. If I would have told someone that I couldn't help them again because I had before. I would not have made 25years.

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 tbis case on your records.

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 had a fraudulent charge to my SunTrust Debit/Check card in July of this year. I followed ALL of their procedures for handling the claim, received a reimbursement of the charges and I considered the case closed. 2 months after this, they then requested the affidavit from me again in which case I questioned why. They informed me that they would have an investigator call me to discuss and to wait on this call. A week later, I receive a letter stating that they case had been reversed and they then performed a chargeback to my account and stole my money.Desired Settlement: Complete reimbursement for the fraud that occurred on my account and that I signed the affidavit for. You offer fraud protection on my account and failed to honor this service.

Business

Response:

We received your correspondence regarding the above referenced case. However, you did not include a signed authorization form from the client. Therefore, we are unable to provide you a copy of our response to the client on January 3, 2014. Upon receipt of the signed authorization form, we will gladly share a copy of our response with your office.

Thank you for contacting SunTrust.